Xin Lang Zheng Quan·2025-09-04 09:41Group 1 - The core viewpoint of the news is that Jiangsu Zhangjiagang Rural Commercial Bank has conducted an investor relations activity focusing on its recent operational performance, particularly the stability of its net interest margin in the first half of the year [1] Group 2 - The investor relations activity took place on September 2, 2025, in Shanghai, with participation from Guohai Securities and Honghu Investment [1] - The bank's net interest margin for the first half of the year was 1.43%, remaining stable compared to the first quarter [1] - The bank optimized its net interest margin through three main strategies: 1. Adjusting the asset structure by adhering to a retail transformation strategy, which increased the proportion of real loans and offset the decline in asset yield. Loans increased by 8.8 billion, a growth of 6.41%, while bill discounts decreased by 879 million, a decline of 4.14% [1] 2. Enhancing loan risk pricing capabilities for reasonable pricing [1] 3. Reducing liability costs by lowering the quoted interest rates, resulting in an average deposit interest rate decrease of 0.33 percentage points compared to the same period last year [1]