Core Viewpoint - Ordos City, as a significant energy and strategic resource base in China, is facing intense competition among local banks, prompting the Inner Mongolia Rural Commercial Bank to adopt a differentiated development strategy to enhance its financial services and support local economic growth [1] Group 1: Financial Performance and Market Position - As of the end of September, Inner Mongolia Rural Commercial Bank's total assets reached 159.74 billion yuan, with total deposits of 154.399 billion yuan and total loans of 71.773 billion yuan, leading the banking sector in Ordos [1] - The bank aims to establish a "characteristic development" model by focusing on the unique economic features of Ordos, particularly in coal and cashmere industries [1] Group 2: Industry Collaboration and Service Model - The bank has implemented a list management and upgraded service model for key enterprises in the modern coal chemical and cashmere industries, establishing partnerships with 28 core enterprises [2] - A "chain + cluster" financial service model has been developed, with loan balances for coal and cashmere industry clusters at 14.551 billion yuan and 1.658 billion yuan, respectively [2] Group 3: Financial Accessibility and Community Engagement - The bank operates 263 outlets and employs 3,214 staff, accounting for 40.1% and 40% of the local banking sector, respectively, emphasizing the integration of financial services into daily life [3] - A comprehensive outreach initiative has visited 86,500 rural households and 112,300 small businesses, with rural household loans totaling 21.698 billion yuan and inclusive loans at 14.089 billion yuan [4] Group 4: Customized Financial Products - The bank has shifted its focus from product-centered to customer-centered approaches, offering tailored financial products such as the "Rural Revitalization Loan" with a total issuance of 1.16 billion yuan [8] - The "Jinfeng·Huinong Loan" and its sub-products have provided 1.223 billion yuan in loans, while the "Huishang Yidai" and "Individual Mengxindai" products have issued 2.26 billion yuan in loans [8] Group 5: Integration of Party Building and Business - The bank promotes deep integration of party building with business operations, establishing a cooperative mechanism with local government and enterprises to enhance financial service efficiency [9] - A financial system party building cultural practice education base has been created to facilitate cooperation among financial institutions in Ordos [10]

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]