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江阴银行(002807) - 2022年9月29-30日投资者关系活动记录表
JRCBJRCB(SZ:002807)2022-11-11 02:35

Group 1: Financial Performance - The bank's financial investment strategy has shifted to a focus on coupon strategies, leading to an increase in amortized cost debt investments [3] - As of June, the bank reported a non-performing loan balance of CNY 979 million and a non-performing loan ratio of 0.98%, a decrease of CNY 226 million and 0.34 percentage points from the beginning of the year [3] - The bank's provision coverage ratio stands at 496.08%, an increase of 165.46 percentage points from the beginning of the year [3] Group 2: Deposit Management - The proportion of high-interest deposits has significantly decreased compared to the previous year, indicating an optimization of the deposit structure [3] - The bank plans to reprice a portion of high-interest deposits maturing in early 2023 based on market interest rates, which may further lower the interest rate levels [3] Group 3: Risk Management - The bank is enhancing its credit risk monitoring models and improving its risk control systems to strengthen asset quality [4] - There is a focus on increasing the disposal of non-performing loans and preventing credit risks through strict management of large loans [4] Group 4: Capital Adequacy - The bank's core Tier 1 capital adequacy ratio is 12.17%, Tier 1 capital adequacy ratio is 12.18%, and total capital adequacy ratio is 13.34%, all indicating a strong capital position [4] - The bank is exploring additional capital supplement tools such as perpetual bonds and subordinated debt to support business development [4]