滨海农商银行：金融暖夕阳 初心伴颐年

Core Viewpoint - The company is committed to enhancing elderly care services through financial support, integrating community needs, and promoting social responsibility in the context of an aging population [1][2][3][4][5] Group 1: Financial Performance and Strategy - As of December 2025, the bank's deposit balance reached 30.4 billion, with a loan balance of 21.3 billion and a credit customer base of 59,000, maintaining a low non-performing loan ratio of 1.05% [2] - The bank has focused on three major transformations: credit, technology, and management, launching 23 innovative credit products in the past three years and utilizing big data for precise elderly services [2] - The bank has reduced its net income expense ratio to 29.55% through lean financial management, allowing for continuous investment in elderly services [2] Group 2: Community Engagement and Partnerships - The bank has established a "Party Building + Finance + Elderly Services" integration model, signing cooperation agreements with 22 government departments and 15 towns to address the financial needs of rural elderly populations [3] - Collaborative activities with the county's veterans affairs bureau have empowered elderly veterans and entrepreneurs, demonstrating the effectiveness of party-led initiatives in service delivery [3] Group 3: Brand Development and Customer Education - The bank has created the "Colorful Elderly Years" sub-brand and established a dedicated service center to provide specialized services for the elderly [4] - It has conducted 15 financial literacy and anti-fraud campaigns, reaching thousands of elderly individuals, and organized over 20 community cultural events during traditional festivals [4] Group 4: Social Responsibility and Infrastructure Improvement - The bank has initiated the renovation of branches to be more elderly-friendly, with seven branches recognized as advanced units for elderly service standards [5] - A total of 1.32 million has been allocated for public welfare projects aimed at improving the living conditions of the elderly and supporting aging-related initiatives [5] - The bank has received multiple honors, including the "National May Day Labor Award" and "Jiangsu Province Civilized Unit," reflecting its commitment to social responsibility and community trust [5]