Zhangjiagang Bank (002839) issued a notice on January 19, 2022: Ma Tingting Jiang Songyuan of Guosheng Securities, Luan Tianyue of Jianxin Financial Management, Yang Xue of Zhong Geng Fund, Wu Yingying of Yinhua Fund, and Lin Yan of Anxin Fund investigated our company on January 17, 2022.
The main contents of this survey are as follows:Q: your bank's deposit structure is about 50 / 50 retail and 50 / 50 public. At present, the competitive pressure on deposits in the industry is also relatively great. What new measures does your bank have in terms of quantity and price to ensure deposit absorption?
A: in terms of public deposits, this year, our bank has reformed the public deposit strategy compared with previous years, improved the way of organizing weekly bidding for structured deposits, guided various branches to actively negotiate interest rates with customers, and made good use of the leading product of structured deposits. We will optimize the stock structure and reduce the overall deposit interest rate. At present, the effect is more obvious. In addition, our bank introduces the "weekend deposit" assessment to make use of the weekend time neglected by various banks to cultivate customers' settlement habits in our bank. A two-pronged approach can not only increase the scale, but also control the interest rate. Since the beginning of the year, our bank has strengthened the following points in the marketing of savings deposits: first, continue to pay attention to the distribution of pensions and the distribution of customers at the end of the year. Regularly pay attention to the retention of pension funds for the middle-aged and elderly customers every month, focus on the distribution of various year-end bonuses before the year, and urge branches to do a good job in marketing and maintenance; second, aim at receiving customers. Cooperate with all kinds of marketing activities, such as preferential rates and random reductions, to increase the amount of precipitated funds of merchants receiving orders; the third is to promote the refinement of the hierarchical and classified management system of savings customers. On the basis of the existing customer group marketing, combined with the digital transformation planning, the customers of savings deposits are divided into layers and groups, forming a diversity pattern, comprehensively considering many dimensions such as profitability, strategy, growth, customer group relevance and so on. strengthen the core target customer group marketing.
Q: what strategies will your bank adopt to promote development in other places in the future?
A: in the future, we will implement accurate policies and make overall efforts to transform the short board into a high-quality development warp board. The measures to be implemented are as follows: first, to strengthen the organizational guarantee for the transformation of institutions in different places, to promote the reform of small and micro matrix management in different places; second, to strategically attach importance to financial management business, open up the product agency mechanism, and focus on building the issuing capacity of the bank; the third is to strengthen channel construction, build diversified sinking channels, layout light inclusive financial service points, and promote the sustainable development of the "two small" business. Fourth, it is coordinated and efficient to create a strong head office of enabling type. To strengthen the forward support of the business department of the head office, the performance evaluation indicators of remote institutions should pay equal attention to benefit and management, strengthen the cultivation of the ability of cadres in different places, and strengthen the brand construction in different places.
Zhangjiagang Bank's main business: corporate business, personal business, financial market business
According to the third quarterly report of Zhangjiagang Bank in 2021, the company's main income was 3.431 billion yuan, up 10.66% from the same period last year; the net profit was 975 million yuan, up 26.97% from the same period last year; and the non-net profit was 941 million yuan, up 27.62% from the same period last year. Among them, in the third quarter of 2021, the company's main income in a single quarter was 1.206 billion yuan, up 23.04% from the same period last year; and the net profit in a single quarter was 379 million yuan, up 37.89% from the same period last year. The non-net profit in a single quarter was 357 million yuan, up 34.22% from the same period last year; the debt ratio was 91.23%, and the investment income was 565 million yuan.
A total of nine institutions have rated the stock in the last 90 days, six have bought ratings and three have increased their holdings; the average institutional target price has been 7.52 in the past 90 days; the net outflow of financing in the past three months has decreased by 118 million; and the net outflow of securities has decreased by 14.9468 million. The balance of securities lending has decreased. According to the Securities Star valuation analysis tool, Zhangjiagang Bank (002839) has a good company rating of 2.5 stars, a good price rating of 4 stars, and a comprehensive valuation rating of 3 stars. (rating range: 1-5 stars, up to 5 stars)