为持续贯彻落实中央金融工作会议精神和资本市场"1＋N"政策体系要求，切实发挥托管机构职能，助 力安徽私募基金行业合规健康发展，在安徽证监局指导下，4月24日，安徽省私募基金业协会成功举办 托管专业委员会成立大会暨培训座谈会，安徽证监局、中国证券投资基金业协会（以下简称"中基协"） 相关领导应邀出席致辞并为托管专业委员会成立揭牌。 首届托管专业委员会由中国建设银行担任主任委员单位，由徽商银行、招商证券、招商银行3家机构担 任副主任委员单位，成员单位为辖区具有基金托管资格的14家银行及证券公司。托管专业委员会现场发 布并签署了《自律公约》，达成公平竞争、合规经营、防范风险、保障投资人合法权益、共同促进托管 行业持续健康发展的行业共识。 下一步，安徽省私募基金业协会将在安徽证监局的指导下，在强化专委会功能作用发挥等方面持续担当 作为，依托托管专业委员会凝聚托管行业力量，发挥行业专业优势，建立畅通与监管机构及地方政府的 沟通渠道，共同促进辖区私募行业高质量发展。（齐和宁） 培训座谈环节，中基协相关部门负责人围绕托管专业委员会建设作了专题培训，分享了中基协托管专业 委员会在基金估值、税收研究、行业自律等方面的工作机制与 ...

Core Insights - The Yangtze River Delta urban agglomeration is a crucial intersection of the "Belt and Road" initiative and the Yangtze River Economic Belt, comprising Shanghai, Jiangsu, Zhejiang, and Anhui provinces, with seven listed city commercial banks [1] - In 2024, the total asset scale of these seven banks reached 17.72 trillion yuan, with Jiangsu Bank, Shanghai Bank, and Ningbo Bank each exceeding 3 trillion yuan [1][3] - All seven banks reported positive growth in revenue and net profit, with asset quality remaining strong, as six banks maintained non-performing loan ratios below 1% [1][18] Asset Scale and Growth - Jiangsu Bank's total assets reached 39,520.42 billion yuan, a 16.12% increase from the previous year [3][5] - Shanghai Bank's total assets were 32,266.56 billion yuan, growing by 4.57% [3][5] - Ningbo Bank's total assets amounted to 31,252.32 billion yuan, with a growth rate of 15.25% [3][5] - Nanjing Bank, Hangzhou Bank, and Huishang Bank surpassed 20 trillion yuan in assets, while Suzhou Bank had the smallest asset scale at nearly 700 billion yuan [1][3] Revenue and Profitability - Jiangsu Bank led in revenue with 808.15 billion yuan, marking an 8.78% increase [10][12] - Ningbo Bank followed with 666.31 billion yuan in revenue, up 8.19% [10][12] - Nanjing Bank achieved a revenue growth rate of 11.32%, the only bank with double-digit growth [10][12] - Net profit for Jiangsu Bank exceeded 300 billion yuan, with a growth of 10.76% [13][12] Asset Quality - The non-performing loan ratio for Jiangsu Bank was 0.89%, while Ningbo and Hangzhou Banks had the lowest at 0.76% [18][19] - Shanghai Bank had the highest non-performing loan ratio at 1.18% [17][18] - The provision coverage ratios for most banks were robust, with Jiangsu, Nanjing, and Ningbo Banks exceeding 300% [20][18] Loan Distribution - Jiangsu Bank's loans in Jiangsu province accounted for 86.13% of its total loans, with significant portions also allocated to the Yangtze River Delta and Guangdong-Hong Kong-Macau Greater Bay Area [7] - Nanjing Bank's loans were primarily distributed in Jiangsu, with 84.92% of its loans in the province [7] - Huishang Bank's loans were predominantly in Anhui, making up 88.87% of its total [8]

Company Overview - As of December 31, 2024, the registered capital of Huishang Bank is RMB 13,889,801,211[9]. - Huishang Bank was established on April 4, 1997, and officially commenced operations on January 1, 2006[9]. - The bank employs a total of 12,837 staff and operates 21 branches and 464 external business institutions[10]. - The bank has formed a diversified operational structure with four subsidiaries and stakes in other financial institutions[10]. - The bank's market positioning focuses on serving local economies, small and medium enterprises, and the general public[10]. - The bank's main business scope includes banking services, securities investment fund custody, and foreign exchange services[10]. - The bank's H shares were listed on the Hong Kong Stock Exchange on November 12, 2013, under stock code 3698[9]. Financial Performance - Total assets reached RMB 2,013,753 million, an increase of 11.49% year-over-year[30]. - Customer loans and advances totaled RMB 1,002,166 million, growing by 14.64% compared to the previous year[30]. - Operating income for 2024 was RMB 37,128 million, reflecting a 2.10% increase from 2023[23]. - Net profit for the year was RMB 15,917 million, representing a 6.18% increase year-over-year[23]. - Basic earnings per share increased to RMB 1.05, up 5.00% from RMB 1.00 in 2023[23]. - Non-performing loan ratio improved to 0.99%, down from 1.26% in the previous year[20]. - Total customer deposits reached RMB 1,138,966 million, an increase of 11.65% year-over-year[30]. - The return on average assets (ROA) decreased to 0.83%, down from 0.89% in 2023[20]. - The capital adequacy ratio increased to 13.72%, up from 13.21% in the previous year[20]. Awards and Recognition - The company received multiple awards in 2024, including the "Outstanding Comprehensive Business Institution" from the Shanghai Bills Exchange[11]. - The company ranked 146th in the "Global Bank Brand Value Top 500" list by The Banker magazine in March 2024[12]. - The company was recognized as the 183rd in the "China Brand Value Top 500" list in May 2024[12]. - The company achieved the first place in the evaluation of the effectiveness of credit policy guidance for technology enterprises in Anhui Province in Q1 2024[12]. - The company was awarded the "Outstanding Financial Consumer Rights Protection Case" by the China Banking and Insurance News in March 2024[11]. - The company was awarded the "2024 Financial Innovation Excellence Institution" by the Banker magazine in November 2024[14]. Digital Transformation and Innovation - The company’s trading app won the "Digital Financial Innovation Case" award in September 2024[13]. - The company’s "Digital Supply Chain Financial Service Platform" was recognized as an outstanding institution in December 2024 by the People's Bank of China Clearing Center[16]. - The company is committed to digital transformation and innovation in international business, launching several mobile products to improve cross-border financial services[139]. - The company launched 19 standardized open banking products and 259 APIs, facilitating 284 million transactions and connecting with 46 external partners, serving 1,817 corporate clients and 121,900 individual clients[153]. - The bank is committed to building a digital risk control system characterized by full-process, model-based, and real-time capabilities[197]. Risk Management - The bank has established a comprehensive risk management system for large exposure risks, ensuring compliance with regulatory requirements[171]. - The bank's liquidity risk management aims to balance liquidity, safety, and profitability while ensuring sufficient funds to meet expected and unexpected demands[175]. - The bank's operational risk management is being optimized in response to regulatory changes, focusing on enhancing data sharing mechanisms and fine-tuning management capabilities[173]. - The bank's strategy includes proactive measures to mitigate risks in key areas and increase the disposal of non-performing assets[170]. - The bank has enhanced its foreign exchange risk management by employing both qualitative and quantitative methods, aiming to maximize risk-adjusted returns[180]. Customer Engagement and Services - The number of mobile banking customers exceeded 10 million, reflecting a significant digital transformation[39]. - The company’s asset custody business reached RMB 1,136.593 billion by December 31, 2024, an increase of RMB 116.098 billion (11.38%) from the beginning of the year, with custody fee income of RMB 618.9846 million, up RMB 33.8703 million (5.79%) year-on-year[148]. - The corporate online banking customer count reached 417,700, with transaction volumes of 38.994 million, reflecting a year-on-year growth of 20.98%, and total transaction amounts of RMB 5.27 trillion, up 9.98%[151]. - The company processed over 3,800 consumer rights protection reviews related to products and services, and conducted over 160 training sessions on consumer rights protection[192]. - Customer complaints increased by 26.24% year-on-year, totaling 3,059 complaints, primarily concerning credit cards and personal loans[192]. Corporate Social Responsibility and Community Engagement - The company is focused on enhancing financial services to support the real economy and small enterprises, while promoting green credit initiatives[191]. - The company aims to strengthen its corporate culture and social responsibility initiatives, aligning with its strategic goals for high-quality development[190]. - The company established a green finance management system to enhance service quality and efficiency in green finance[159]. Future Outlook and Strategic Goals - The bank aims to enhance its market share in investment banking and increase resources allocation to economically vibrant areas[196]. - The bank plans to strengthen its digital financial services and accelerate the application of new technologies such as artificial intelligence[196]. - The bank's strategic goal is to become an outstanding local mainstream bank through a comprehensive management system focusing on finance, risk control, and technology[195]. - The bank will support the development of emerging industries such as new energy vehicles and artificial intelligence through integrated services[195].

2024年，徽商银行有效扩大资产规模、优化业务结构、提升资产质量、全力做好金融"五篇大文章"， 积极服务地方经济发展，主要经营指标实现新跃升。 数据显示，2024年末，徽商银行资产总额突破2万亿元，较上年末增长近11.5%。2024年，该行实现营业 收入371.28亿元，同比增幅2.1%；实现净利润159.17亿元，同比增幅6.18%。 2025年，徽商银行将迎来正式挂牌成立二十周年。 徽商银行表示，将坚持金融工作政治性、人民性，扎实做好金融"五篇大文章"，持续推进"九大提升工 程"走深走实，深化转型发展，增强专业能力，奋勇争先进位，全力搭建"大资负""大风控""大科技"管理体 系，高质量实现"打造优秀地方主流银行"的战略目标。 同时，徽商银行加强负债成本管控，推动内外部定价精细化，截至2024年末，该行计息负债平均成本率 较年初下降14BP，其中，客户存款平均成本率较上年下降9个BP，负债成本管控成效显现。 年报显示，2024年 徽商银 行 积极应对低利率市场环境，加快个人金融业务转型步伐，坚持做大个人金融 资产规模，持续发力核心个人客户存款拓展，实现了个人客户存款的较快增长和市场份额的有效提升。截 至20 ...

中西部第一大城商行规模迈上新台阶。 2025年3月27日晚间，徽商银行正式发布2024年度业绩报告。年报显示，截至2024年末，该行总资产规 模达2.01万亿元，成为中西部地区首家资产规模超2万亿的城商行。存贷余额实现双增，其中贷款余额 首次超过万亿。 徽商银行坚持服务实体经济、防控金融风险，交出了一份经营实力显著提升、风险防线持续筑牢、服务 地方成效显著的高质量发展答卷。 财报数据显示，2024年徽商银行营业收入持续增长，净利润达到159亿元，在中国银行业百强排行榜中 居于第24位，全球银行1000强排名第112位，较上年提升11位。 经营实力跃升：多项业务量质齐升 资产规模突破2万亿大关，标志着徽商银行的综合实力迈入新量级。 年报数据显示，截至2024年末，徽商银行总资产达2.01万亿元，较上年末增长11.49%；存款余额1.14万 亿元，贷款余额突破1万亿元，同比分别增长11.65%和14.64%。盈利能力方面，全年实现营业收入 371.28亿元，同比增长2.1%，实现净利润159.17亿元，同比增长6.18%，从2021年开始连续4年保持净利 润正增长。 徽商银行稳健增长的背后，是该行立足金融科技"价 ...

Financial Performance - The total assets of the company reached RMB 2,013,753 million, an increase of 11.49% compared to the previous year[28]. - The total customer loans and advances amounted to RMB 1,002,166 million, growing by 14.64% year-on-year[28]. - The operating income for 2024 was RMB 37,128 million, reflecting a 2.10% increase from 2023[24]. - The net profit attributable to shareholders was RMB 15,414 million, representing a 6.80% increase compared to the previous year[24]. - The basic earnings per share increased to RMB 1.05, up by 5.00% from RMB 1.00 in 2023[24]. - The non-performing loan ratio improved to 0.99%, down from 1.26% in the previous year[21]. - The capital adequacy ratio rose to 13.72%, an increase of 0.51% from the previous year[21]. - The total liabilities increased to RMB 1,852,086 million, reflecting an 11.61% growth year-on-year[24]. - The company ranked 24th among the top 100 banks in China, improving by 11 positions from the previous year[28]. - The company achieved an "A" rating in the 2023 annual performance evaluation by the Anhui Provincial Finance Department in November 2024[15]. Awards and Recognition - The company received multiple awards in 2024, including being ranked 146th in the "Global Bank Brand Value 500" list by The Banker magazine[13]. - The company was recognized as a "Top 10 Outstanding Examples of Science and Technology Finance" by the Anhui Provincial Financial Society[14]. - The company was awarded the "Outstanding Financial Consumer Rights Protection Case" by the China Banking and Insurance News in March 2024[12]. - The company was recognized as the "Best Cooperative Bank" by the Anhui Equity Custody Trading Center in July 2024[13]. - The company was awarded the "Outstanding Organization Award" for its reading activity themed "Building Dreams Together" by the Anhui State-owned Assets Supervision and Administration Commission[13]. - The company was awarded the "2024 Annual Financial Innovation Excellence Institution" by the Banker magazine in November 2024[15]. Customer and Market Growth - The number of mobile banking customers exceeded 10 million, with a 90.7% increase in online service scenarios[34]. - Personal financial assets surpassed RMB 820 billion, with a growth of 15.9%[33]. - The balance of inclusive finance loans for small and micro enterprises was RMB 154.4 billion, ranking first among peers in Anhui Province[32]. - The company’s "Transaction APP" won the "Digital Financial Innovation Case" award in 2024[14]. - The company signed cooperation agreements with over 4,200 enterprises under the "Common Growth Plan" initiative[154]. - The total balance of green loans amounted to RMB 115.88 billion at the end of 2024, an increase of RMB 33.476 billion, marking a growth of 40.62%[157]. Risk Management - The bank's liquidity risk management emphasizes balancing liquidity, safety, and profitability to ensure sufficient funds under both normal and stressed conditions[171]. - The bank has implemented a proactive liquidity risk management strategy, including regular liquidity stress testing to assess its ability to respond to liquidity shocks[173]. - The bank's credit risk management strategy includes optimizing the credit business structure in response to economic conditions and policy guidance[167]. - The bank has integrated large exposure risk management into its overall risk management system to effectively control customer concentration risks[168]. - The bank's operational risk indicators are generally in line with its risk appetite limits, with a focus on high-frequency, low-impact operational risk events[170]. Digital Transformation and Innovation - The company is actively promoting digital transformation and innovation in international business, launching several mobile products to improve cross-border financial services[135]. - The company implemented 89 software development projects throughout the year, enhancing customer service capabilities and digital risk management[184]. - The bank is focusing on enhancing digital transformation in credit risk management to improve the overall risk management framework[167]. - The bank is accelerating digital transformation, launching various digital financial platforms and applications, including the "Huiyin Treasury" and AI-based services[200]. Corporate Social Responsibility - The company conducted over 5,900 consumer rights protection education and publicity activities, reaching more than 50.72 million consumers[189]. - The company is actively promoting green credit and supporting low-carbon economy initiatives[188]. - The company is focused on enhancing its corporate culture to align with its strategic development goals[187].

上述关于延长A股发行方案和授权议案有效期的事项已经该行董事会审议通过，并拟提交该行股东大会 审议批准。该行将适时向该行股东寄发载有(其中包括)上述议案资料的股东大会通函及通告。 智通财经APP讯，徽商银行(03698)发布公告，A股发行方案已于2018年股东周年大会上以特别决议案方 式获审议通过，并已分别于2019年股东周年大会、2020年股东周年大会、2021年股东周年大会、2022年 股东周年大会及2023年股东周年大会上以特别决议案方式审议通过将A股发行方案的有效期先后延长12 个月。鉴于A股发行方案载明的12个月有效期将于2025年6月29日届满，为确保A股发行工作能继续开 展，该行拟将A股发行方案的有效期自紧随原有效期届满后次日起延长12个月。A股发行方案的其他内 容保持不变。 授权办理A股发行具体事宜的议案已于2018年股东周年大会上以特别决议案方式获审议通过，并已分别 于2019年股东周年大会、2020年股东周年大会、2021年股东周年大会、2022年股东周年大会及2023年股 东周年大会上以特别决议案方式审议通过将授权议案的有效期先后延长12个月。鉴于授权议案载明的12 个月有效期将于2025 ...

Core Viewpoint - Huishang Bank has been recognized as the "Annual Social Responsibility Leading Bank" by Economic Observer, marking another achievement in the ESG field after being listed in multiple ESG rankings in 2024 [1] Group 1: ESG Initiatives - In 2024, Huishang Bank issued the first sustainable development-linked loan of 100 million yuan to support the steel industry in Anhui, showcasing its commitment to green finance and ecological protection [2] - The bank has established a comprehensive green finance product system, including green loans, bonds, and investment services, to support various green industries [2] - By the end of 2024, the bank's green loan balance reached 115.88 billion yuan, a 40.6% increase from the beginning of the year, with significant credit provided to the new energy vehicle industry [3] Group 2: Inclusive Finance - Huishang Bank launched the first "fund flow" loan for small and micro enterprises in Anhui, providing nearly 4 million yuan in credit to alleviate financing pressures [4] - The bank has developed a comprehensive product system for inclusive finance, including online credit loan products aimed at small and micro enterprises, enhancing their financing coverage [4] - By the end of 2024, the bank's inclusive loans for small and micro enterprises totaled 154.399 billion yuan, benefiting over 267,000 business entities [4] Group 3: Community Engagement - The bank organized a senior square dance competition to promote community engagement and enhance the well-being of the elderly [5] - Huishang Bank has implemented various initiatives to address the financial needs of both the elderly and children, including the launch of the "Huigrowth" brand for children's financial services [5] Group 4: Corporate Governance - Huishang Bank ranked 112th in the global bank 1000 list for 2024, improving by 11 places from the previous year, and 22nd among Chinese banks [6][7] - The bank integrates ESG principles into its corporate governance, enhancing operational quality and sustainability [7] - The bank has created a robust governance structure, focusing on decision-making mechanisms and standardizing grassroots party organization construction [7] Group 5: Future Outlook - Huishang Bank plans to continue adhering to ESG principles, innovate financial services, and enhance management quality to support local economic development [8]

Financial Performance - Operating income for the first half of 2024 reached RMB 20,692 million, a 4.57% increase from RMB 19,788 million in the same period of 2023[29]. - Pre-tax profit for the first half of 2024 was RMB 10,183 million, reflecting a 3.06% growth compared to RMB 9,881 million in the first half of 2023[29]. - Net profit for the first half of 2024 amounted to RMB 8,986 million, up 5.90% from RMB 8,486 million in the same period last year[29]. - Profit attributable to shareholders for the first half of 2024 was RMB 8,631 million, representing a 6.53% increase from RMB 8,102 million in the first half of 2023[29]. - For the first half of 2024, the company reported a net profit attributable to shareholders of RMB 8.63 billion, an increase of 6.39% compared to RMB 8.10 billion in the same period of 2023[40]. Assets and Liabilities - Total assets as of June 30, 2024, reached RMB 1,928.11 billion, reflecting a growth of 6.75% from RMB 1,806.14 billion at the end of 2023[37]. - As of June 30, 2024, the total liabilities of the company amounted to RMB 1,773.46 billion, an increase of 6.87% compared to the end of the previous year[81]. - The total customer deposits reached RMB 1,121.09 billion, representing a growth of 9.89% from the end of 2023, accounting for 63.21% of total liabilities[82]. - The total investment amounted to RMB 741.13 billion, representing 38.44% of total assets, up from 38.06% at the end of 2023[71]. Loan and Credit Quality - Customer loans and advances totaled RMB 954.55 billion, up 9.19% from RMB 874.22 billion at the end of 2023[37]. - The non-performing loan ratio improved to 1.14%, down from 1.26% at the end of 2023[38]. - The company's loans amounted to RMB 628.37 billion, which is 65.83% of total customer loans and advances[69]. - The company’s normal loans amounted to RMB 934.50 billion, representing 97.90% of total loans as of June 30, 2024[87]. - The company reported a decrease in the NPL ratio from 1.26% in December 2023 to 1.14% in June 2024[91]. Income and Expenses - The company's net interest income for the first half of 2024 was RMB 14.69 billion, a decrease of 3.01% from RMB 15.14 billion in the same period of 2023[41]. - Non-interest income for the first half of 2024 was RMB 6.006 billion, an increase of RMB 1.360 billion or 29.27% year-on-year, driven by increases in trading and financial investment income[56]. - Operating expenses for the first half of 2024 totaled RMB 4.980 billion, an increase of RMB 112 million or 2.30% year-on-year[61]. - Impairment losses amounted to RMB 5.700 billion, an increase of RMB 522 million or 10.08% year-on-year[63]. Capital and Ratios - The capital adequacy ratio increased to 13.37% as of June 30, 2024, compared to 13.21% at the end of 2023[34]. - The return on average assets (ROA) for the first half of 2024 was 0.96%, a decrease of 0.06 percentage points from 1.02% in the same period of 2023[32]. - The return on equity (ROE) improved to 13.75% for the first half of 2024, compared to 12.52% for the full year of 2023[32]. Employee and Branch Information - The bank employed 11,979 staff and operated 21 branches and 467 business outlets as of June 30, 2024[27]. Market Position and Brand Value - Huishang Bank ranked 112th in the "Top 1000 Global Banks" by The Banker magazine, improving by 11 positions from the previous year[27]. - The bank's brand value ranked 146th in the "Top 500 Global Banking Brands," an increase of 6 positions from the previous year[27]. Digital Transformation and Innovation - The company is accelerating the transformation of light capital business, focusing on wealth management as a key driver for retail transformation[116]. - The bank is advancing the digitalization of its operations, focusing on data governance and the integration of business and technology[116]. - The bank has established a data governance framework and is actively developing a data middle platform to improve data management efficiency and support risk management[177]. Green Finance Initiatives - The total balance of green loans reached RMB 106.864 billion, an increase of RMB 24.461 billion, or 29.68% compared to the end of the previous year[147]. - The bank aims to support the economic and social development of Anhui Province through its financial services[182]. - The bank is focusing on digital transformation in credit risk management, implementing a comprehensive digitalization plan across six business areas[155]. Shareholder Information - The total number of ordinary shareholders as of June 30, 2024, was 17,196, with 1,342 holding H shares[187]. - The bank's total ordinary shares stood at 13,889,801,211, with 74.95% being domestic shares and 25.05% H shares[187]. - The largest shareholder is the Deposit Insurance Fund Management Co., Ltd., holding 1,559,000,000 shares, representing 11.22% of the total ordinary shares[191].

Financial Performance - For the first half of 2024, the company reported operating income of RMB 20,692 million, an increase of 4.57% compared to RMB 19,788 million in the same period of 2023[32]. - The pre-tax profit for the first half of 2024 was RMB 10,183 million, reflecting a growth of 3.06% from RMB 9,881 million in the previous year[32]. - The net profit attributable to shareholders for the first half of 2024 reached RMB 8,631 million, up 6.53% from RMB 8,102 million in the same period of 2023[32]. - The bank's net profit for the first half of 2024 was RMB 15,883 million, a decrease from RMB 26,455 million in the full year of 2023[125]. - The bank's net profit for 2023 was RMB 13,526.4 million, with a cash dividend of RMB 1.46 per 10 shares, totaling approximately RMB 2,027.91 million distributed to shareholders[197]. Asset and Loan Growth - Total assets as of June 30, 2024, amounted to RMB 1,928,113 million, representing a 6.75% increase from RMB 1,806,144 million at the end of 2023[34]. - The total customer loans and advances increased to RMB 954,546 million, a rise of 9.19% from RMB 874,223 million at the end of 2023[34]. - Total customer loans and advances amounted to RMB 9,545.46 billion, with a total of RMB 108.72 billion classified as non-performing loans[105]. - The bank's loans to small and micro enterprises amounted to RMB 144.143 billion, a net increase of RMB 13.624 billion, representing a growth rate of 10.44%[161]. - The bank's loans to technology enterprises reached RMB 77.619 billion, with a net increase of RMB 18.059 billion, reflecting a growth rate of 30.32%[161]. Non-Performing Loans and Asset Quality - The non-performing loan ratio improved to 1.14%, down from 1.26% at the end of 2023, indicating better asset quality[35]. - The bank's non-performing loan ratio stood at 1.14%, a decrease of 0.12 percentage points from the end of the previous year[104]. - The total amount of loans classified as normal was RMB 9,344.98 billion, representing 97.90% of total loans as of June 30, 2024[104]. - The bank restructured a total of RMB 56,975.66 million in non-performing loans during the reporting period, a decrease of RMB 5,321.11 million compared to the same period last year[116]. Capital and Liquidity - The capital adequacy ratio as of June 30, 2024, was 13.37%, an increase from 13.21% at the end of 2023, reflecting a stronger capital position[37]. - The liquidity coverage ratio is 327.11%, with qualified liquid assets amounting to RMB 169.235 billion and a net cash outflow of RMB 51.737 billion over the next 30 days[186]. - The net stable funding ratio as of June 30, 2024, is 115.97%, with available stable funding of RMB 119.494 billion and required stable funding of RMB 103.035 billion[186]. Operational Efficiency - The cost-to-income ratio improved to 24.07%, down from 24.60% in the same period last year, indicating better operational efficiency[35]. - The bank's comprehensive strength and operational management have been steadily improving, receiving widespread recognition[29]. - The bank's business continues to develop rapidly, with a coordinated growth in scale, quality, and efficiency[29]. Digital Transformation and Innovation - The company is accelerating its transformation towards light capital business, emphasizing wealth management as a key driver for retail transformation[133]. - The bank's open banking initiative has established 16 standardized products and 219 APIs, facilitating 58.2632 million transactions for 23 external partners[158]. - The bank is committed to improving its digital infrastructure, including the construction of a private cloud and a new generation of wide-area network infrastructure[195]. Risk Management - The bank is focused on enhancing its risk management framework, emphasizing digitalization and comprehensive risk control measures[172]. - The bank aims to improve its risk management capabilities while maintaining asset quality at a competitive level within the industry[172]. - The bank has established a precise risk management policy, incorporating country and environmental risks, and has adjusted risk preference indicators to enhance early warning systems[175]. Customer Service and Satisfaction - The customer satisfaction rate for the bank's customer service center was 99.58%, with a call connection rate of 92.46%[156]. - The bank has signed agreements with 3,874 enterprises under the "Common Growth Plan," with a total credit amount of RMB 55.082 billion[163]. Green Finance Initiatives - As of June 30, 2024, the total balance of green loans reached RMB 106.864 billion, an increase of RMB 24.461 billion, or 29.68% compared to the end of the previous year[166]. - The bank issued the first sustainable development-linked loan for the steel industry in Anhui Province in 2024[166]. - The bank promotes green credit initiatives to support low-carbon economy and rural revitalization, leveraging its professional advantages in finance[200].