渝农商行(601077) - 渝农商行2023年9月投资者关系活动记录表

Lending Performance - The bank's credit increment exceeded 40 billion yuan in the first half of the year, with strong performance in corporate and micro-enterprise loans [3] - Although credit issuance slowed in the third quarter due to external factors, the annual loan growth is expected to surpass last year [3] - The bank's market share in micro-enterprise business is high, driven by targeted marketing and technological empowerment [3] Deposit Management - The bank successfully reduced deposit costs by 6 basis points compared to 2022 [3] - On September 5, the bank adjusted its deposit rates in line with market trends, which will have a minor impact on 2023 interest expenses but is expected to significantly lower rates in 2024 [3] Interest Margin Outlook - The bank anticipates a slight improvement in the overall interest margin in the second half of the year, despite ongoing pressures [3] Merchant Business Growth - Rapid development in merchant services has led to a significant increase in card income, with stable growth in agency and settlement businesses [3] - Future efforts will focus on deepening wealth management and promoting revenue-generating products such as insurance and funds [3] Strategic Focus - In the second half of the year, the bank will strengthen support for advanced manufacturing and inclusive finance, aligning with major regional strategies [4]