XIANMEN BANK(SH:601187)2024-02-29 00:18Group 1: Financial Strategies - The bank aims to stabilize interest margins by increasing consumer loans and reducing the proportion of discount and re-discount loans, thereby improving average loan yields [2] - On the liability side, the bank plans to lower deposit rates while increasing the average daily proportion of demand deposits and optimizing the deposit maturity structure to reduce overall deposit costs [3] Group 2: Capital Regulation Impact - The new capital regulations have a minimal overall impact on the bank's capital adequacy, allowing for a faster transition to a "light capital" model to better balance capital, risk, and returns [3] Group 3: Targeted Business Focus - The bank focuses on specific customer groups and industries, particularly Taiwanese businesses and small enterprises, with a strategic emphasis on "high-tech loans," green credit, and rural revitalization [4] - As of June 2023, the balance of high-tech project loans reached 6.869 billion yuan, a year-to-date increase of 12.46% [4] - The balance of green credit (People's Bank of China standard) was 5.973 billion yuan, with a year-to-date increase of 44.59% [4] - The balance of inclusive agricultural loans was 3.516 billion yuan, reflecting a year-to-date increase of 12.53% [4] Group 4: Asset Quality Management - The bank employs a comprehensive approach to manage the asset quality of small and micro enterprises, including careful credit targeting, thorough credit investigations, and robust risk monitoring [4]