Core Viewpoint - Jiujiang Bank is committed to transformation and refined management, enhancing strategic execution, and following a differentiated and specialized development path, emphasizing the importance of party leadership in its operations [1] Group 1: Development Achievements - Since the establishment of the new party committee, Jiujiang Bank has strengthened refined management and continued to promote structural optimization, capital efficiency, compliance, and growth, resulting in a 2.5% year-on-year increase in total assets to 516.459 billion yuan by the end of 2024 [2] - Customer loans and advances increased by 6.4% year-on-year to 320.835 billion yuan, while total liabilities rose by 2.4% to 473.926 billion yuan, with customer deposits totaling 386.964 billion yuan [2] - The bank achieved double growth in revenue and net profit, with operating income reaching 10.388 billion yuan and net profit at 762 million yuan [2] Group 2: Transformation and Service Enhancement - Jiujiang Bank focuses on product optimization, service enhancement, and brand building, leveraging digital capabilities to strengthen financial service guarantees, including the launch of the first "bank guarantee" credit enhancement for intellectual property securitization in the country [3] - The bank has implemented a comprehensive service model, with daily remote counter transaction volume increasing nearly 3.74 times, and continuously improving the digitalization and intelligence of various services [3] - The bank prioritizes local service, targeting key areas and weak links to enhance support for the real economy, having served approximately 150,000 new citizen clients [3] Group 3: Strategic Focus and Innovation - Jiujiang Bank emphasizes local demand, industrial upgrades, and long-term value, driving reform and innovation to align its development with local construction [4] - The bank adopts a "shopkeeper spirit" to serve local development, proactively providing precise services to ensure financial resources benefit the real economy [4] - The bank is committed to a "bulldozer spirit" in business transformation, establishing a modern financial enterprise system and focusing on customer needs to create a "15-minute financial service ecosystem" [4] Group 4: Financial Innovations - Jiujiang Bank has expanded its development space through innovative financial products, such as the "Jiu Yin Smart Loan" and "Science and Technology Enterprise Financing" products, which provide credit services without collateral for technology-based manufacturing enterprises [5] - The bank has integrated green finance into its operations, supporting energy-saving and carbon-reduction projects, with a total of 4.05 billion yuan in carbon reduction loans, leading to an annual reduction of 82,200 tons of CO2 equivalent [5] - The bank continues to optimize its credit structure and enhance financial supply, implementing mechanisms to address the financing challenges faced by small and micro enterprises [5]