JRCB(SZ:002807)2023-01-03 08:08Group 1: Loan Performance - In 2022, online loan customers increased by 11,000, representing a growth rate of 109.20% compared to the beginning of the year [3] - The bank's loan yield has remained stable throughout the year, attributed to proactive management of the asset-liability structure [3] Group 2: Customer Targeting and Marketing - The target customer groups for online loans include deposit customers, existing mortgage clients, payroll clients, and merchant clients [3] - The bank employs tailored strategies and optimizes model configurations to enhance risk control and customer targeting [3] Group 3: Branch Network and Expansion Strategy - The bank currently operates 1 direct sales department, 3 branches, 33 sub-branches, and 53 financial service centers, achieving full coverage in Jiangyin [3] - The regional development strategy focuses on deepening county-level operations, integrating into the Yangtze River Delta, and enhancing market share [3]