Changshu Bank(601128)2024-12-27 10:21Group 1: Investor Relations Activities - On November 26, 2023, the bank held multiple on-site meetings with various institutions, including Guohua Life and Huaxin Fund, involving a total of 12 participants from 4 institutions [1][2][3][4] - A phone meeting on December 4, 2023, included 7 participants from 6 institutions, such as Bank of America Securities and Millennium [5] - On December 19, 2023, a strategy meeting was conducted with 9 participants from 9 institutions, including Industrial Securities [10] Group 2: Financial Performance Insights - The bank's net interest margin has consistently remained at the forefront among listed banks, with expectations for stability in the second half of 2024 [4] - As of September 2024, the non-performing loan ratio is projected to be 0.77%, with a provision coverage ratio of 528.40%, indicating strong asset quality [4] - The bank aims to enhance high-interest loan ratios while optimizing deposit structures to control liability costs [4] Group 3: Strategic Initiatives - The bank is actively responding to national financial regulatory requirements by absorbing rural banks and restructuring them into branches, thereby expanding its inclusive financial services [4]