证券代码：002807 证券简称：江阴银行 编号:2022-26 | --- | --- | --- | |------------|-------------------------------------------------------------|------------| | | ■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） | | | | 国信证券股份有限公司 | 王剑 | | | 国信证券股份有限公司 | 陈俊良 | | | 国信证券股份有限公司 | 田维韦 | | | 中庚基金管理有限公司 | 杨雪 | | 参与单位名 | 汇丰晋信基金管理有限公司 | 徐犇 | | 称及人员姓 | 中国人寿养老保险股份有限公司 | 李毅 | | 名 | | | | | Jason Fountain Capital LI Zhuoqing 杭州中大君悦投资有限公司 | 李广赞 | | 时间 | 2022 年 06 月 24 日 | 9:30-1 ...

证券代码：002807 证券简称：江阴银行 2022 年 06 月 22 日投资者关系活动记录表 编号:2022-24 | --- | --- | --- | |-----------------------|-------------------------------------------------|--------| | | ■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） | | | | 海通证券股份有限公司 林加力 | | | | 海通证券股份有限公司 董栋梁 | | | | 鹏华基金管理有限公司 祝松 | | | | 敦和资产管理有限公司 郭文凯 | | | | 东方阿尔法基金管理有限公司 | | | | 上海明河投资管理有限公司 张桥石 | | | | 国泰基金管理有限公司 王韶怀 | | | | 中庚基金管理有限公司 杨雪 | | | 参与单位名 称及人员姓 | 海通国际证券集团有限公司 | | | 名 | China Shan ...

证券代码：002807 证券简称：江阴银行 编号:2022-42 | --- | --- | --- | --- | --- | |----------------|---------------------------------|------------|-------|-------| | | ■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） | | | | | | 国盛证券有限责任公司 | 马婷婷 | | | | | 国盛证券有限责任公司 | 陈功 | | | | | 国盛证券有限责任公司 | 蒋江松媛 | | | | | 南京证券股份有限公司自营 | 陈铄 | | | | 参 与 单 位 名 | 长江养老保险股份有限公司 | 蔡晗炀 | | | | 称 及 人 员 姓 | 恒大人寿保险有限公司 | 古令今 | | | | 名 | 创金合信基金管理有限公司 | 胡致柏 | | | | | 财通证券资产 ...

Group 1: Financial Performance - As of June 2022, the number of online loan customers reached 15,645, an increase of 6,251 customers from the beginning of the year, representing a growth rate of 66.54% [4] - The balance of online loans amounted to 1.376 billion yuan, with a net increase of 500 million yuan since the beginning of the year, reflecting a growth rate of 57.01% [4] Group 2: Strategic Focus - Jiangyin Bank emphasizes supporting local economic development, aligning loan issuance with regional economic growth [3] - Key investment areas include new energy, integrated circuits, high-end equipment, biomedicine, intelligent manufacturing, and rural revitalization projects [3] Group 3: Customer Engagement and Risk Management - The bank utilizes big data analysis to identify pre-approved credit customers and employs precise marketing strategies through platforms like WeChat [3] - A combination of online automatic approval and offline supplementary data collection enhances the risk management model [4]

证券代码：002807 证券简称：江阴银行 2022 年 08 月 31 日投资者关系活动记录表 编号:2022-41 | --- | --- | --- | --- | |----------------|----------------------------------|-------------|-------| | | | | | | | ■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） | | | | | 红土创新基金管理有限公司 | 李传鹏 | | | | 平安基金管理公司 | 刘杰 | | | | 西部证券股份有限公司 | 张晓辉 | | | | 中银资产管理有限公司 | 陆莎莎 | | | | 创金合信基金管理有限公司 | 王婧 | | | | 西部证券股份有限公司 | 谭雨露 | | | 参 与 单 位 名 | 中邮理财有限责任公司 | 陶俊 | | | 称 及 人 员 姓 | 圆信永丰基金管理有限公司 ...

证券代码：002807 证券简称：江阴银行 编号:2022-40 | --- | --- | --- | --- | |-------------------|---------------------------------------------------------------------|--------------------------------------------------------|-------| | | | | | | | ■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 | □现场参观 | | | | | □其他（请文字说明其他活动内容） | | | | 参 与 单 位 名 | | | | | 称 及 人 员 姓 名 | | 国信证券股份有限公司及汇丰前海证券有限责任公司相关人员 | | | | | | | | 时间 | 2022 年 08 月 29 日上午 2022 年 08 月 30 日上午 | 10:30-12:00 10:30-12:00 | | | 地点 | 银信大厦十 ...

Group 1: Financial Performance - The bank's financial investment strategy has shifted to a focus on coupon strategies, leading to an increase in amortized cost debt investments [3] - As of June, the bank reported a non-performing loan balance of CNY 979 million and a non-performing loan ratio of 0.98%, a decrease of CNY 226 million and 0.34 percentage points from the beginning of the year [3] - The bank's provision coverage ratio stands at 496.08%, an increase of 165.46 percentage points from the beginning of the year [3] Group 2: Deposit Management - The proportion of high-interest deposits has significantly decreased compared to the previous year, indicating an optimization of the deposit structure [3] - The bank plans to reprice a portion of high-interest deposits maturing in early 2023 based on market interest rates, which may further lower the interest rate levels [3] Group 3: Risk Management - The bank is enhancing its credit risk monitoring models and improving its risk control systems to strengthen asset quality [4] - There is a focus on increasing the disposal of non-performing loans and preventing credit risks through strict management of large loans [4] Group 4: Capital Adequacy - The bank's core Tier 1 capital adequacy ratio is 12.17%, Tier 1 capital adequacy ratio is 12.18%, and total capital adequacy ratio is 13.34%, all indicating a strong capital position [4] - The bank is exploring additional capital supplement tools such as perpetual bonds and subordinated debt to support business development [4]

证券代码：002807 证券简称：江阴银行 编号:2022-46 | --- | --- | --- | |-------------------------------|---------------------------------|-------| | | | | | | ■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 | | | 活动类别 | □新闻发布会 □路演活动 | | | | | | | | □其他（请文字说明其他活动内容） | | | 参 与 单 位 名 称 及 人 员 姓 | | | | 名 | 王振遨 | | | 时间 | 日下午 15:30-16:30 | | | 地点 | | | | 上 市 公 司 接 | | | | | | | 待人员姓名 董办工作人员 2022 年 10 月 17 日投资者关系活动记录表 | --- | --- | |----------------|----------------------------------------------------------------------------| | | 主要 ...

Group 1: Financial Performance - As of September, the bank's re-loan balance reached 71.2 billion CNY, an increase of 31.3 billion CNY from the beginning of the year, benefiting 1,596 agricultural and small micro-enterprises [3] - The cumulative amount of re-discount reached 27.5 billion CNY, an increase of 1.8 billion CNY from the end of last year, benefiting 143 technology innovation and small micro-enterprises [3] - The current re-loan and re-discount interest rates are maintained around 2% [3] Group 2: Private Banking Development - Jiangyin Bank's savings deposits in Jiangyin reached 655 billion CNY, accounting for 32% of the city's total savings deposits [3] - The total scale of wealth management products reached 196 billion CNY [3] - The bank has established three branches in Suzhou, Wuxi, and Changzhou to expand its private banking business, leveraging the favorable economic environment [3] Group 3: Strategic Focus - The bank aims to enhance its private banking services by focusing on high-net-worth clients, supported by the region's strong economic indicators, such as an average disposable income of 67,555 CNY in 2021 [3] - The bank is accelerating its digital transformation and expanding online services through mobile banking, online banking, and WeChat banking [3] - Future strategies include improving product service systems and enhancing marketing capabilities to create a more competitive private banking offering [3]

Group 1: Deposit Growth and Structure - As of September 2022, total deposits reached CNY 125.17 billion, an increase of CNY 10.71 billion, representing a growth rate of 9.36% since the beginning of the year [3] - In Q3 2022, deposits grew by CNY 4.165 billion compared to the first half of the year, with corporate demand deposits increasing by CNY 0.921 billion and savings demand deposits by CNY 0.950 billion [3] - The bank has focused on enhancing its competitiveness in the corporate deposit market through targeted products and services [3] Group 2: Credit Growth and Risk Management - The bank is actively promoting a campaign to support real economy and assist enterprises, focusing on five key customer groups for targeted marketing [3] - As of September 30, 2022, the non-performing loan (NPL) ratio was 0.98%, a decrease of 0.34 percentage points since the beginning of the year, marking the lowest level since the bank's listing [3] - The bank has implemented a proactive management approach for loans affected by external factors, ensuring that these loans remain in good standing without overdue payments [3]