无锡银行(600908) - 投资者关系记录表（20241218）

Group 1: Asset Quality and Risk Management - The bank maintains a low non-performing loan (NPL) ratio, ensuring sufficient provision for potential losses, which supports profitability [3] - The bank's prudent operational philosophy emphasizes maintaining adequate capital levels and managing various risks effectively [7] Group 2: Investment and Revenue Generation - The bank aims to enhance investment returns by strengthening research capabilities and optimizing financial asset investments [3] - There is a focus on diversifying non-interest income to drive overall revenue growth [8] Group 3: Cost Management and Efficiency - The bank is implementing refined cost management strategies to control liability costs and improve the efficiency of expenditures [3] - Efforts are being made to reduce high-cost deposits while increasing low-cost deposits to optimize the funding structure [3]