JRCB(SZ:002807)2023-09-14 08:58Group 1: Economic Development and Market Position - Jiangyin Bank's development is closely linked to the economic growth of Jiangyin City, which has 256,000 market entities, including 86,000 enterprises and 2,336 industrial enterprises above designated size [3] - The region's strong manufacturing sector includes many leading companies in niche markets, providing a solid foundation for serving small and micro enterprises, individual businesses, and new citizens [3] Group 2: Technological Empowerment - Jiangyin Bank is enhancing its digital banking capabilities by focusing on "scenario-based, personalized, and intelligent" services, including the launch of new mobile banking features and remote operation models [3] - The bank has introduced "Jiangyin e-loan 2.0" to expand its online loan marketing and improve customer acquisition [3] Group 3: Financial Performance and Risk Management - As of June 2023, the bank's mortgage loan scale was less than 10 billion yuan, accounting for approximately 8% of total loans, indicating a minimal impact on interest margins from mortgage rate adjustments [4] - The bank's deposit interest rate was 2.02% in the first half of 2023, a decrease of 12 basis points compared to the same period last year, reflecting effective management of high-interest deposits [4]