JRCB(SZ:002807)2022-12-05 06:31Group 1: Market Position and Competition - Jiangyin Bank maintains the largest market share in deposits and loans among local financial institutions, despite intense competition from 26 commercial banks in Jiangyin [2][3] - The bank's performance is stable, with a focus on accelerating the disposal of non-performing loans [3] Group 2: Financial Health and Strategy - Jiangyin Bank's non-performing loan ratio is slightly higher than average, but the non-performing loan balance in Jiangyin is less than half of the bank's total non-performing loans [3] - The bank has implemented strategies to optimize credit asset disposal and has seen initial control over non-performing loans [3] Group 3: Expansion and Development - The opening of the Changzhou branch on December 21, 2016, marks a significant step in the bank's cross-regional development and the establishment of a branch management model [3] - The bank has optimized its network by opening its first microfinance branch and establishing multiple quick loan teams in urban and rural areas [3] Group 4: Communication and Compliance - During investor relations activities, the bank ensured compliance with information disclosure regulations, maintaining the accuracy and timeliness of disclosed information [3]