Core Viewpoint - Jiangyin Bank has achieved a high-quality development in 2024 through a steady operational strategy, demonstrating growth in scale, efficiency, and quality despite a complex market environment [1][2][3]. Financial Performance - Total assets of Jiangyin Bank reached 200.23 billion yuan, a year-on-year increase of 7.63% - Total deposits amounted to 151.83 billion yuan, growing by 9.06% compared to the previous year - Total loans reached 124.13 billion yuan, with a growth of 7.61% year-on-year - Operating income for the period was 3.96 billion yuan, up 2.51% year-on-year - Net profit attributable to shareholders was 2.04 billion yuan, reflecting a year-on-year increase of 7.88% [1]. Asset Quality - By the end of 2024, the non-performing loan (NPL) balance and ratio both decreased, with the NPL ratio at 0.86%, down by 0.12 percentage points from the previous year - The NPL balance was 1.07 billion yuan, a decrease of 5.18% year-on-year - The provision coverage ratio stood at 369.32%, and the capital adequacy ratio was 15.22%, indicating strong risk-bearing capacity [1]. Shareholder Returns - Jiangyin Bank maintained a steady dividend policy, distributing a cash dividend of 2.0 yuan per 10 shares (including tax), an increase of 0.1 yuan from the previous year [2]. Support for Real Economy - The bank enhanced its financial services for small and micro enterprises, significantly increasing its supply chain loan balance by 110.35% year-to-date - The number of supply chain loan accounts grew by 88.2%, demonstrating improved financial service capabilities for the real economy [3]. Retail Banking Transformation - Jiangyin Bank leveraged digitalization to enhance retail operations, focusing on personalized and intelligent financial services - The bank established three wealth management centers and improved customer experience, achieving a 16% increase in clients with assets under management (AUM) over 300,000 yuan [4]. Rural Revitalization and Green Finance - The bank actively supported rural revitalization, with agricultural loans reaching 73.18 billion yuan, including 23.56 billion yuan in inclusive agricultural loans - Jiangyin Bank also established a green finance committee, with green loan balances reaching 3.415 billion yuan, supporting the dual carbon goals [5][6]. Market Recognition - Following the annual report release, multiple institutions recognized Jiangyin Bank's performance, with Huatai Securities maintaining an "overweight" rating and招商证券 highlighting the bank's regional advantages and solid asset quality [7].

Group 1: Financial Performance - In 2024, the bank maintained steady operational performance with revenue and net profit growth, and asset scale exceeded 200 billion yuan [1] - The non-performing loan ratio and amount both decreased, enhancing risk resistance capabilities [1] - By the end of 2024, the balance of green loans reached 3.415 billion yuan, with a growth rate higher than the average loan growth of the bank [2] Group 2: ESG and Sustainable Development - The bank has been improving its ESG information disclosure system, focusing on governance, high-quality financial services, and green low-carbon development [2] - Future plans include enhancing ESG governance transparency and communication with investors to boost market recognition and trust [2] Group 3: Key Strategic Initiatives - The bank has made breakthroughs in five key areas: technology finance, green finance, inclusive finance, elderly finance, and digital transformation [3] - Over 1,000 technology enterprises received loans exceeding 10 billion yuan, covering over 80% of high-tech enterprises [3] - The bank's supply chain loans increased by 110.35% year-to-date, with the number of clients growing by 88.2% [4] Group 4: Digital Transformation and User Experience - The bank is enhancing digital transformation by building a technology information center and optimizing online product processes [4] - An intelligent risk control system has been launched to improve user experience and risk management for online products [5] Group 5: Rural Revitalization and Financial Support - The bank is innovating financial services for rural revitalization, including tailored credit products and digital service platforms [5] - Future efforts will focus on increasing credit resources and enhancing the financial service system for rural industries [5]