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江阴银行(002807) - 2021年11月18日投资者关系活动记录表
JRCBJRCB(SZ:002807)2022-11-21 15:48

Group 1: Loan Structure and Performance - As of September 2021, Jiangyin Bank holds a loan market share of 15.90% in the Jiangyin area, maintaining a leading position [2] - The total loan balance is 91.417 billion CNY, with loans accounting for 62.88% of total assets, an increase of 6.68 percentage points since the beginning of the year [2] - Personal loan balance reached 19.709 billion CNY, growing by 36.05% compared to the beginning of the year, and personal loans constitute 21.56% of total loans [2] Group 2: Future Strategies - Jiangyin Bank aims to enhance inclusive finance by increasing support for small and micro enterprises, reducing the proportion of large loans, and improving the structure of credit assets [2] - The bank's strategy for small and micro business development includes focusing on personal operating loans, enhancing service models, and expanding external markets [3] Group 3: Technological Integration - The bank is leveraging financial technology to create a new ecosystem for financial services, integrating big data with customer-centric services [3] - Initiatives include electronic business license banking integration, mobile payment solutions for public transport, and various smart living services benefiting 70,000 union members [3] Group 4: Fund Distribution Business - Jiangyin Bank has obtained qualifications for fund distribution and plans to enhance risk control while leveraging its extensive network and online business recognition to increase intermediary income [3]