涟水农商银行聚焦风险管控 保障合规经营

Core Viewpoint - Lianshui Rural Commercial Bank has focused on risk control and compliance management, achieving significant improvements in loan quality and risk mitigation as of June 2023 [1][2] Group 1: Risk Management and Loan Quality - The bank's risk profile score ranked 20th in the industry, improving by 7 places compared to the previous year [1] - Non-performing loan balance stood at 24,307.95 million yuan, with a ratio of 1.42%, decreasing by 1,107.95 million yuan and 0.12% since the beginning of the year [1] - The overdue loan rate for personal loans was 1.71%, down by 0.11 percentage points from the start of the year [1] Group 2: Non-Performing Loan Disposal - The bank disposed of and recovered 13,518.17 million yuan of non-performing loans, an increase of 3,428.05 million yuan compared to the same period last year [1] - A new assessment system was implemented for non-performing loan recovery, linking performance to incentives and fostering collaboration among branches [1] Group 3: Compliance and Internal Control - The bank emphasized compliance starting from senior management, with 423 employees signing the Employee Code of Conduct [2] - Four compliance training sessions were held, with a total of 1,256 participants [2] - Over 400 employees participated in a warning education event, analyzing the root causes of compliance issues through case studies [2]