JRCB(SZ:002807)2022-12-20 08:18Group 1: Export Performance and Credit Demand - In October 2022, Jiangyin's total export reached $13.554 billion, representing a year-on-year growth of 13.0% [3] - The bank's total loan amount as of the end of September 2022 was ¥102.166 billion, an increase of ¥10.695 billion from the beginning of the year, with a growth rate of 11.69% [3] Group 2: Interest Margin Outlook - The bank anticipates that interest margin narrowing may continue to be an industry trend in the coming year [3] - The bank will focus on promoting retail transformation strategies to increase the proportion of higher-yield loans while optimizing the structure to enhance overall asset yield [3] - Emphasis will also be placed on the growth of total deposits while gradually optimizing the deposit structure to lower the interest rate on deposits, aiming to maintain stable net interest margin trends next year [3]