证券代码：002807 证券简称：江阴银行 2022 年 07 月 06 日投资者关系活动记录表 编号:2022-30 | --- | --- | --- | --- | |------------|-----------------------------------|----------------------------------|-------| | | ■特定对象调研 ■分析师会议 | | | | | □媒体采访 □业绩说明会 | | | | 投资者关系 | □新闻发布会 □路演活动 | | | | 活动类别 | □现场参观 | | | | | □其他（请文字说明其他活动内容） | | | | | 相聚资本管理有限公司 | 梁辉 | | | | 海通证券股份有限公司 | 林加力 | | | | 金元证券股份有限公司 | 林伟杰 | | | | 九泰基金管理有限公司 | 杜京果 | | | | 华宝证券股份有限公司 | 陈天悦 | | | 参与单位名 | 贝寅资产管理(上海 ) | 有限公司 齐路 | | | 称及人员姓 | 德邦证券股份有限公司 | 卢仁扬 | | | 名 | 海通期货股份有限公司 ...

证券代码：002807 证券简称：江阴银行 2022 年 07 月 20 日投资者关系活动记录表 编号:2022-31 | --- | --- | --- | |-----------------------|-------------------------------------------|-----------------------| | | ■特定对象调研 ■分析师会议 | | | | □媒体采访 □业绩说明会 | | | 投资者关系 | □新闻发布会 □路演活动 | | | 活动类别 | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | 广发证券发展研究中心 | 屈俊 李佳鸣 | | | 上海大朴资产管理有限公司 | 倪文涛 | | | 珠江人寿保险股份有限公司 | 王钟杨 | | | 红土创新基金管理有限公司 | 杨一 | | | 泰达宏利基金管理有限公司 | 庄腾飞 | | | 平安基金管理有限公司 | 刘杰 | | | 财信证券有限责任公司自营 | 龙长会 | | | 深圳市领骥资本管理有限公司 | 曹鸿伟 Cao Hong Wei | | 参与单位名 称及人员 ...

编号:2022-23 证券代码：002807 证券简称：江阴银行 | --- | --- | --- | |------------|----------------------------------|-------------| | | ■特定对象调研 ■分析师会议 | | | | □媒体采访 □业绩说明会 | | | 投资者关系 | □新闻发布会 □路演活动 | | | 活动类别 | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | 华安证券股份有限公司 | 戚星 | | | 中欧基金管理有限公司 | 陈巍 | | | 红土创新基金管理有限公司 | 李传鹏 | | | 江苏省国际信托有限责任公司 | 祁建树 | | | 上海峄昕私募基金管理有限公司 | 林伟 | | | 北信瑞丰基金管理有限公司 | 程敏 | | | | | | | 南京证券股份有限公司 | 顾诗园 | | 参与单位名 | | | | | 建信基金管理有限责任公司 | 许杰 | | 称及人员姓 | 德邻众福投资管理有限公司 | 张鑫辉 | | 名 | 盈添财管 韩宣 乾和投资有限公司 | 王毕功 | | 时间 ...

Group 1: Investor Relations Activities - The investor relations activity was conducted on July 5, 2022, through a telephone conference [2] - Participants included representatives from various financial institutions such as Huatai Securities and Fortune Fund Management [1] Group 2: Loan Management and Risk Control - The bank emphasizes credit risk management by establishing a Loan Responsibility Accountability Committee [2] - Non-performing loans account for less than 1% of the total loan amount, indicating a low level of risk in local government platform loans [2] Group 3: Performance Assessment of Client Managers - Performance assessment for client managers includes metrics such as overdue loan ratio and newly added non-performing accounts [2] - Senior management and client managers have their performance compensation deferred to effectively manage risks [2] Group 4: Financial Technology Development - The bank is focusing on digital transformation, aiming to create a "scenario-based, personalized, and intelligent" digital banking experience [3] - Digital marketing strategies leverage WeChat ecosystems to integrate low-frequency financial services with high-frequency daily life scenarios [3] Group 5: Risk Management Strategies - The bank is developing an intelligent risk control platform based on regulatory compliance and risk management guidelines [3] - The risk management framework is built around risk preferences and policies, ensuring a comprehensive approach to risk governance [3]

Group 1: Business Overview - Jiangyin Bank's inclusive small and micro business development is closely linked to the economic characteristics of Jiangyin, known as "China's manufacturing first county" with over 200,000 market entities and more than 70,000 enterprises [2] - The region hosts 11 companies in the China Top 500, 13 in the China Private Enterprises Top 500, and 15 in the China Manufacturing Top 500, with over 2,000 regulated enterprises [2] Group 2: Business Strategy - The bank has adopted a large inclusive concept, increasing efforts in retail transformation and actively expanding loans below 10 million yuan for small and micro enterprises and individuals [2] - Supply chain finance is developed by targeting upstream and downstream small and micro enterprises linked to large enterprises, ensuring smooth funding flow and a closed-loop support system for loan funds [2] Group 3: Cost Control Measures - The bank enhances digitalization of counter services, reallocating staff to small and micro customer management roles without increasing personnel, effectively saving labor costs [2] - There is a strong push for online loan development to significantly reduce operational costs [2]

证券代码：002807 证券简称：江阴银行 编号:2022-25 | --- | --- | --- | |---------------|-----------------------------------|--------| | | ■特定对象调研 ■分析师会议 | | | | □媒体采访 □业绩说明会 | | | 投资者关系 | □新闻发布会 □路演活动 | | | 活动类别 | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | 浙商证券股份有限公司 梁凤洁 | | | | 浙商证券股份有限公司 陈建宇 | | | | 浙商证券股份有限公司 徐安妮 | | | | 中加基金管理有限公司 李继民 | | | | 深圳广汇缘资产管理有限公司 赵鹏 | | | | 博道基金管理有限公司 | 傅之浩 | | | 富国基金管理有限公司 | 徐健荣 | | | 国信证券股份有限公司自营 陈学识 | | | 参与单位名 | 中国人寿资产管理有限公司 | 周洁 | | 称及人员姓 名 | 五矿证券有限公司 黎国栋 | | | | 中欧基金管理有限公司 周小鹏 | | | | 中国人寿资产管 ...

证券代码：002807 证券简称：江阴银行 编号:2022-35 | --- | --- | --- | --- | |------------|-------------------------------------------------|--------|-------| | | ■特定对象调研 ■分析师会议 | | | | | □媒体采访 □业绩说明会 | | | | 投资者关系 | □新闻发布会 □路演活动 | | | | 活动类别 | □现场参观 | | | | | □其他（请文字说明其他活动内容） | | | | | 中泰证券股份有限公司 | 贾靖 | | | | 中庚基金管理有限公司 | 杨雪 | | | | 华安基金管理有限公司 | 梁艳萍 | | | | 上海东方证券资产管理有限公司 | 谢佩静 | | | 参与单位名 | 兴业基金管理有限公司 | 应晋帅 | | | 称及人员姓 | 国金证券股份有限公司自营部 | 戚元昊 | | | 名 | 惠升基金管理有限公司 | 游懿轩 | | | | 宁银理财有限责任公司 | 郑州杰 | | | | 万家基金管理有限公司 | 宋悦 | | | 时 ...

Group 1: Impact of COVID-19 on Business Operations - The COVID-19 outbreak in Jiangyin was effectively controlled within 15 days, allowing for a swift return to work and production [3] - The overall impact of the pandemic on asset quality was limited, with a gradual recovery in credit demand observed post-pandemic [3] - The bank maintained uninterrupted financial services during the lockdown, ensuring that loans were processed as needed [3] Group 2: Credit Support and Loan Demand - The bank has increased credit support, aligning with the expected credit demand recovery from small and micro enterprises and individual borrowers [3] - In the first quarter, the bank's proactive credit issuance laid a solid foundation for revenue growth throughout the year [3] - A financial assistance campaign was launched in June to meet the credit needs of technology enterprises and new agricultural entities [3] Group 3: Performance of Out-of-Region Institutions - Since 2008, the bank has established 5 village banks and 8 out-of-region branches, contributing to revenue growth [3] - By the end of 2021, revenue from out-of-region institutions reached CNY 853 million, a 14.8% increase, accounting for 25.3% of total revenue [3] - The proportion of loans from out-of-region institutions reached 34% by the end of 2021 [4]

证券代码：002807 证券简称：江阴银行 编号:2022-32 | --- | --- | --- | |------------|---------------------------------------------|-------| | | | | | | ■特定对象调研 ■分析师会议 | | | 投资者关系 | □媒体采访 □业绩说明会 □新闻发布会 □路演活动 | | | 活动类别 | | | | | □其他（请文字说明其他活动内容） | | | | vincent gu | | | | 广发证券股份有限公司 范卓宇 | | | 参与单位名 | 东方证券股份有限公司资产管理 卢诗凝 | | | 称及人员姓 | 招商证券股份有限公司 固定收益 张蓓 | | | 名 | 信银理财有限责任公司 李赛 | | | | 大成基金管理有限公司 李涛 | | | | 宁银理财有限责任公司 王梓合 | | | 时间 | 日下午 14:00-15:00 ， 15:30-16:30 | | | 地点 | | | | 上市公司接 | 卞丹娟 | | | 待人员姓名 | | | 2022 年 07 月 25 日投资者关 ...

Group 1: Business Strategy - The bank focuses on expanding inclusive retail business, targeting micro-enterprises with credit under 10 million yuan, personal operating loans, and consumer loans [3] - The bank leverages its advantages as a primary legal entity bank to respond quickly and effectively to market demands [3] - A "7+1+4" inclusive branch system is being developed to enhance service coverage and efficiency [3] Group 2: Product Development - Innovative products such as "Science and Technology Loan" and "Intellectual Property Loan" are introduced for small and medium-sized enterprises [3] - Online loan products like "Jiangyin e-loan" and "Public Fund e-loan" are being actively promoted to cater to consumer finance needs [3] - Specialized products like "Foreign Trade Financing Treasure" are offered to alleviate financing pressures for small foreign trade enterprises [3] Group 3: Market Expansion - The bank aims to tap into the micro-loan demands in the regions served by its branches, replicating successful small-scale business models [3] - Strengthening the customer manager team is a priority, with performance assessments being adjusted to incentivize marketing efforts [3] Group 4: Community Engagement - The bank is enhancing its community engagement through initiatives like "Party Building Co-creation Financial Assistance" to support small and micro enterprises [3] - Activities such as targeted visits and customer information management are being implemented to improve service quality [3]