苏农银行(603323) - 苏农银行投资者关系活动记录表（2024年11月12日）

Group 1: Digital Transformation and Strategy - The bank's digital transformation is a key part of its "Three-One-Five" strategic plan, focusing on improving efficiency, reducing costs, and optimizing customer experience [1] - The bank aims to leverage technologies such as the internet, big data, artificial intelligence, and cloud computing to build leading data and intelligent platforms in the industry [1] Group 2: Dividend Policy and Shareholder Value - The bank is committed to enhancing cash dividends while ensuring stable business development and compliance with regulatory constraints [2] - The bank emphasizes the importance of shareholder interests and aims to share long-term high-quality development results with investors [2] Group 3: Market Value Management - The bank prioritizes market value management by strengthening operational capabilities and enhancing core competitiveness [2] - It actively engages with institutional and retail investors through various channels, including performance briefings and investor communication events [2] Group 4: Net Interest Margin Strategies - In response to the industry-wide narrowing of net interest margins, the bank implements comprehensive asset-liability management and optimizes cost structures [2] - The bank adopts flexible deposit pricing strategies and effectively utilizes central bank counter-cyclical tools to manage financing costs and expand interest margin space [2]