Core Insights - The total assets of the Inner Mongolia Rural Commercial Bank Tongliao Branch amount to 68.7 billion yuan, with total liabilities of 67.2 billion yuan, and a capital adequacy ratio of 11.79%, exceeding the regulatory requirement of 10.5% by 1.29 percentage points [1] - The bank aims to enhance its service capabilities in rural areas while maintaining a focus on agricultural and small business financing, leveraging its historical strengths in local markets [2][4] Financial Performance - The bank reported a net profit of 260 million yuan, with non-performing loans at 35 million yuan and a non-performing loan ratio of 0.9% [1] - The balance of small and micro loans reached 12.19 billion yuan, accounting for 36.32% of total loans, with inclusive small and micro loans achieving a balance of 11.23 billion yuan [3] Service and Development Strategy - The Tongliao Branch operates 9 sub-branches and 142 secondary branches, achieving 100% coverage of local townships, with a workforce of 3,337 employees [2] - The bank has implemented targeted financial products such as "Jinfeng·Huinong Loan" and has conducted extensive outreach to local farmers, visiting over 163,800 households and collecting financing demands of 4.074 billion yuan [2] Risk Management and Loan Recovery - The bank has established a dynamic mechanism for government-supported industries and has a total loan balance of 36.3 billion yuan, with agricultural loans amounting to 25.1 billion yuan [4] - Innovative loan recovery strategies have led to the resolution of 164 non-performing loans, totaling 23.04 million yuan, through a structured approach to monitoring and collaboration [5] Digital Transformation and Technology Integration - The bank is focusing on enhancing its digital capabilities to improve service efficiency and reduce costs, aiming for a seamless integration of online and offline services [8] - The use of digital tools like the "Benpao" app has facilitated over 43,000 visits to potential clients, identifying 10,399 potential cooperative merchants [3][8] Future Outlook - The bank plans to continue prioritizing services for agriculture and small businesses, aiming to strengthen its role as a key financial player in the local economy [8]