QILU BANK(601665)2024-11-21 10:17Group 1: Financial Performance - The bank maintains a high proportion of deposits in total liabilities compared to other listed city commercial banks, indicating a stable liability structure [1] - Continuous efforts to optimize deposit structure and reduce deposit pricing have been implemented, alongside effective management of funding costs [1] Group 2: Investment Strategy - The bank is actively adjusting its asset allocation in response to market conditions, with a focus on maintaining a reasonable proportion of various asset types [1] - The bank's trading financial assets currently represent a relatively low proportion of financial investments, allowing for strong responsiveness to bond market fluctuations [1] - A commitment to a prudent investment philosophy will guide the bank's actions in the fourth quarter, aiming for stable growth in investment returns [1]