JRCB(SZ:002807)2024-06-13 10:56Group 1: Capital Increase - The significant increase in the bank's core tier 1 capital in Q1 2024 is attributed to the conversion of convertible bonds, totaling CNY 1.388 billion, which converted into 332 million shares, enhancing the total share capital and core tier 1 capital [3]. Group 2: Capital Adequacy - As of the end of Q1 2024, the bank's capital adequacy ratio stands at 15.32%, reflecting an increase of 1.08 percentage points compared to the end of the previous year, indicating improved risk resistance and sustainable development capabilities [3]. Group 3: Loan Interest Rates - The bank is responding to the downward trend in the interest rates of inclusive loans by optimizing asset structure management and increasing the proportion of inclusive retail loans, while also utilizing central bank policies to mitigate the impact of declining rates [3].