XIANMEN BANK(SH:601187)2022-11-19 01:30Group 1: Strategic Planning and Business Goals - The bank's vision for the 2021-2023 development strategy focuses on "serving small and medium-sized enterprises, deepening operations in the West Coast, integrating cross-strait services, and becoming a value-leading comprehensive financial service provider" [2] - The business strategy aims to "expand retail, strengthen corporate services, deepen cross-strait operations, and optimize funding" [2] - Key strategic drivers include "customer experience, digital technology, and human mechanisms" [2] Group 2: Retail Business Transformation - The retail business is a key focus area, with plans to establish a "retail boutique bank" that emphasizes brand reputation and customer experience [3] - Initiatives include enhancing the product system to offer a competitive wealth management product shelf and deepening loan product series to meet diverse financing needs [3] - The bank aims to improve customer segmentation and management, enhancing service quality and customer satisfaction [3] Group 3: Support for Small and Micro Enterprises - The bank has a dedicated credit plan for small and micro enterprises, prioritizing funding for inclusive finance and offering preferential internal pricing for loans [4] - A specialized team and management department have been established to oversee small and micro enterprise services [4] - Tailored financial products are developed based on the different stages and characteristics of small and micro enterprises, such as startup loans and technology finance packages [4] Group 4: Capital Supplementation Plans - The bank plans to issue up to 5 billion yuan in convertible bonds and up to 8 billion yuan in capital supplement bonds to strengthen its capital base [4] - The capital supplementation strategy will consider future development plans and capital needs [4]