江阴银行(002807) - 江阴银行调研活动信息

Group 1: Retail Loan Strategy - The bank focuses on personal operating loans, consumer loans, and "Three Rural" customer segments to enhance service models and meet customer needs [3] - A grid-based financial service system is being established to ensure comprehensive coverage of credit demand and marketing [3] - The bank is developing a specialized branch system for inclusive finance, enhancing operational analysis and creating a conducive environment for transformation [3] Group 2: Product and Market Development - Continuous product innovation is aimed at expanding the product line's width and depth, aligning products with different regions, industries, and customer attributes [3] - The bank is actively exploring external markets, particularly targeting small and micro loan demands in various branches [3] - Strengthening the customer manager team is a priority, with a focus on optimizing performance assessment and compensation policies to motivate marketing efforts [3] Group 3: Supply Chain Finance - The bank is leveraging local industries and digital management to develop a supply chain finance service model, focusing on core enterprises [4] - The strategy includes enhancing credit support for core enterprises and facilitating financing for upstream and downstream businesses [4] Group 4: Convertible Bonds - As of March 2022, the bank's "Jiangyin Convertible Bonds" had RMB 241,876,600 converted into A-shares, accounting for 12.09% of the total issuance [4] - The bank's core tier 1 capital adequacy ratio is 12.67%, tier 1 capital adequacy ratio is 12.68%, and total capital adequacy ratio is 13.82%, all meeting regulatory requirements [4] - Future focus will be on the conversion status of RMB 2 billion convertible bonds and enhancing communication with investors [4]