JRCB(SZ:002807)2022-12-03 10:18Group 1: Risk Management and Strategy - The bank's non-performing loan ratio has been decreasing for three consecutive years but remains above 2% [1] - The bank adopts a selective development strategy to manage risks, focusing on upgrading technology and optimizing structure in response to uncertainties in 2019 [2] Group 2: Market Expansion and Service - The bank aims to meet the higher regulatory requirements for serving agriculture and small enterprises, emphasizing local roots and resource allocation [2] - The bank holds approximately 20% market share in deposits and loans among 29 financial institutions in Jiangyin, ranking first [2] Group 3: Support for the Real Economy - The bank supports strategic emerging industries and key projects through financial resource allocation, aligning with the "Made in China 2025" initiative [2] - As of the end of 2018, the bank's agricultural loans accounted for over 90% of the total scale in Jiangyin, with small and micro enterprise loans making up 83% and private enterprise loans 78% [2]