JRCB(SZ:002807)2022-11-19 02:42Group 1: Bank Operations and Structure - Jiangyin Bank has established 3 branches in the "Suzhou, Wuxi, Changzhou" area and 8 branches in other locations, including Jiangsu and Anhui provinces [3] - The bank has initiated 5 village and town banks in various regions, including Sichuan and Hainan [3] - The contribution of the bank's branches to overall operating profit has increased, reaching over 30% in 2021 [3] Group 2: Response to Market Changes - The bank acknowledges the impact of large state-owned banks and joint-stock banks on its small and micro-enterprise business expansion [3] - Jiangyin Bank leverages its advantages as a primary legal entity bank to enhance differentiated competition and innovate service models [3] - By the end of 2021, the bank had connected with 217 administrative villages, with offline pre-credits for 186,000 households amounting to 19.51 billion yuan [3] Group 3: Loan Performance - As of March 2022, the total loan amount reached 96.64 billion yuan, an increase of 5.17 billion yuan or 5.7% since the beginning of the year [3] - The balance of inclusive loans was 39.41 billion yuan, reflecting a growth of 6.2% since the start of the year [3] - Jiangyin Bank holds the leading position in both total loan volume and incremental market share within its jurisdiction [3]