Jiangsu Zijin Rural Commercial Bank Optimizes Deposit Sources and Maturity Structure, Accelerates Shift from Medium-to-Long-Term to Short-Term Deposits

Deep News11-28

On November 28, Jiangsu Zijin Rural Commercial Bank Co., Ltd. released its investor relations activity record. The bank stated that it will continue to strengthen net interest margin management by adjusting its asset-liability structure, reducing costs, improving efficiency, and enhancing comprehensive returns.

On the asset side, the bank will focus on small and micro loans, strengthen loan interest rate controls, adopt tailored strategies for different clients, utilize comprehensive service solutions, reduce the proportion of discounted assets, and improve the overall loan yield.

On the liability side, the bank will optimize deposit sources and maturity structures, control the scale of high-cost deposits such as structured deposits and large-denomination certificates of deposit, and accelerate the shift from medium-to-long-term deposits to short-term deposits.

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