Financial Performance - China Minsheng Bank reported unaudited interim results for the six months ended June 30, 2023[1]. - For the first half of 2023, the operating income was RMB 69,868 million, a decrease of 3.94% compared to RMB 72,736 million in the same period of 2022[15]. - Net interest income for the first half of 2023 was RMB 51,334 million, down 6.36% from RMB 54,823 million in the first half of 2022[15]. - Non-interest income increased by 3.47% to RMB 18,534 million in the first half of 2023, compared to RMB 17,913 million in the same period of 2022[15]. - The net profit attributable to shareholders for the first half of 2023 was RMB 23,777 million, a decrease of 3.49% from RMB 24,638 million in the first half of 2022[15]. - The annualized return on average total assets for the first half of 2023 was 0.64%, down from 0.70% in the first half of 2022[15]. - The annualized weighted average return on net assets decreased to 7.88% in the first half of 2023 from 8.66% in the same period of 2022[15]. - The cost-to-income ratio for the first half of 2023 was 30.25%, an increase from 28.96% in the first half of 2022[15]. - The net interest margin for the first half of 2023 was 1.41%, down from 1.56% in the same period of 2022[15]. Strategic Goals and Development - The bank's development strategy aims for sustainable growth and enhanced market competitiveness from 2023 to 2025[6]. - The bank's strategic goals include becoming a first-class commercial bank with distinctive features and continuous innovation[6]. - The company is in the second phase of its five-year development plan (2021-2025), focusing on high-quality development and implementing the "12345" operational strategy[8]. - The company aims to enhance customer service levels and optimize asset structure, targeting quality asset investment and improved liability quality[8]. - The strategy includes strengthening retail efficiency, comprehensive corporate development, and specialized financial market operations to boost revenue[8]. - The company plans to deepen customer segmentation and enhance integrated management effectiveness across various customer groups, including retail and institutional clients[10]. - The company is committed to providing personalized financial services and improving customer experience through the establishment of a smart banking model[11]. - The company emphasizes a culture of long-termism and customer-centricity, integrating these principles into its management practices[11]. Risk Management and Asset Quality - The bank assures that there are no foreseeable major risks impacting its operations[2]. - The company is focused on optimizing operational processes and enhancing management efficiency through a comprehensive performance evaluation system[9]. - The bank is focusing on enhancing asset quality and managing loan migration rates, with normal loan migration rate at 1.66%[19]. - The non-performing loan ratio improved to 1.57%, down from 1.68% in the previous period[16]. - The bank has implemented a comprehensive credit risk management mechanism covering the entire process from pre-loan investigation to post-loan management[162]. - The bank has strengthened support for key areas such as inclusive finance, green low-carbon initiatives, rural revitalization, and technology innovation[162]. - The bank's risk exposure management mechanism for large risks has been established, ensuring compliance with regulatory requirements[165]. Customer and Market Focus - The bank positions itself as a bank for private enterprises, focusing on serving small and medium-sized enterprises[7]. - The company aims to expand its support for small and micro enterprises, enhancing financial services in key sectors such as green finance and rural revitalization[10]. - The company has enhanced its cross-border financial service capabilities with the official launch of the "Northbound Pass" for employee salary exchange services[125]. - The bank has launched new credit products targeting small and micro export enterprises, enhancing its supply chain financial service system[140]. - The bank's digital marketing capabilities have significantly improved, with customer reach increasing by 2.5 times year-on-year[142]. Capital and Liquidity Management - Total assets increased by 5.32% year-on-year to RMB 7,641,451 million as of June 30, 2023[16]. - Total loans and advances rose by 6.03% to RMB 4,390,942 million, with corporate loans increasing by 9.87% to RMB 2,635,979 million[16]. - Total deposits grew by 6.21% to RMB 4,241,461 million, with personal deposits surging by 16.56% to RMB 1,189,544 million[16]. - The liquidity coverage ratio stood at 131.84%, indicating strong liquidity management[18]. - The net cash flow from operating activities increased by 32.60% to RMB 108,631 million in the first half of 2023, compared to RMB 81,922 million in the same period of 2022[15]. Shareholder and Equity Information - The total number of ordinary shares as of June 30, 2023, is 43,782,418,502, with no changes reported during the period[178]. - The top ten shareholders hold a combined total of 18.92% (8,285,688,674 shares) by Hong Kong Central Clearing Limited, and 10.30% (4,508,984,567 shares) by China Life Insurance Company - Universal Products[180]. - The company did not issue any new ordinary shares during the reporting period, and the structure of ordinary shares remains unchanged[179]. - The largest shareholder, Hong Kong Central Clearing Limited, holds 8,285,688,674 H shares, representing 18.92% of total shares[181]. Digital Transformation and Innovation - The bank emphasizes innovation driven by technology to enhance customer experience and operational efficiency[7]. - The digital transformation strategy is being implemented with a focus on enhancing operational efficiency and product innovation through a collaborative approach across departments[138]. - The bank has launched a new generation of intelligent anti-money laundering management and monitoring systems, enhancing the core obligation fulfillment system replacement rate[175]. - The bank aims to become a data-driven institution, focusing on five key goals: visibility, usability, connectivity, empowerment, and security in data management[139].

中國民生銀行股份有限公司（「本行」）董事會（「董事會」）茲通告謹定於2023年8月 30日（星期三）舉行董事會會議，藉以（其中包括）審議及批准刊發本行及其附屬 公司截至2023年6月30日止六個月之中期業績公告。 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 承董事會命 中國民生銀行股份有限公司 董事長 中國民生銀行股份有限公司 高迎欣 CHINA MINSHENG BANKING CORP., LTD. （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 董事會會議召開日期 於本公告日期，本行執行董事為高迎欣先生、鄭萬春先生及袁桂軍先生；非執行 董事為張宏偉先生、盧志強先生、劉永好先生、史玉柱先生、吳迪先生、宋春風 先生、楊曉靈先生及趙鵬先生；獨立非執行董事為劉紀鵬先生、李漢成先生、解 植春先生、彭雪峰先生、曲新久先生及溫秋菊女士。 中國，北京 2023年8月18日 ...

证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号：2023-047 中国民生银行股份有限公司 第八届董事会第四次临时会议决议公告 本行董事会及董事会全体成员保证本公告内容不存在任何虚假记载、误导性陈述或者 重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 根据法律法规及监管规定，在杨志威、宋焕政、程凤朝和刘寒星独立董事任职资格获国家 金融监督管理总局核准前，独立董事刘纪鹏、李汉成、彭雪峰和解植春将继续履职。杨志威、 宋焕政、程凤朝和刘寒星在董事会专门委员会的任职待其独立董事任职资格核准后生效。 1 卢志强副董事长在本行董事会的表决权受到限制。 中国民生银行股份有限公司（以下简称"本行"）第八届董事会第四次临时会议以书面传 签方式召开，表决截止日期为 2023 年 8 月 14 日。会议通知、会议文件于 2023 年 8 月 7 日以电 子邮件方式发出。向董事发出表决票 16 份，收回 16 份，会议符合《中华人民共和国公司法》 及《中国民生银行股份有限公司章程》的规定，表决所形成决议合法、有效。 会议审议通过了如下决议： 关于调整本行第八届董事会专 ...

上海证券交易所文件 上证上审（再融资）〔2023〕570 号 关于终止对中国民生银行股份有限公司 向不特定对象发行可转换公司债券审核的决定 中国民生银行股份有限公司： 上海证券交易所（以下简称本所）于 2023 年 3 月 4 日依法 受理了你公司向不特定对象发行可转换公司债券的申请文件，并 按照规定进行了审核。 2023 年 8 月 9 日，你公司和保荐人中信证券股份有限公司、 中国国际金融股份有限公司向本所提交了《中国民生银行股份有 限公司关于撤回向不特定对象发行 A 股可转换公司债券申请文 件的申请》《中信证券股份有限公司关于撤回中国民生银行股份 有限公司向不特定对象发行 A 股可转换公司债券申请文件的申 请》和《中国国际金融股份有限公司关于撤回中国民生银行股份 有限公司向不特定对象发行 A 股可转换公司债券申请文件的申 1 ─────────────── 请》，申请撤回向不特定对象发行可转换公司债券的申请文件。 根据《上海证券交易所上市公司证券发行上市审核规则》第十九 条、《上海证券交易所股票发行上市审核规则》第六十三条（二） 的有关规定，本所决定终止对你公司向不特定对象发行可转换公 司债券的审核。 ...

证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号：2023-045 中国民生银行股份有限公司 关于终止向不特定对象发行 A 股可转换公司债券 并撤回申请文件的公告 4、2023 年 3 月 4 日，本行收到上交所出具的《关于受理中国民生银行股份有限 公司沪市主板上市公司发行证券申请的通知》（上证上审（再融资）〔2023〕77 号）。 2023 年 3 月 24 日，本行收到上交所出具的《关于中国民生银行股份有限公司向不特 定对象发行可转换公司债券申请文件的审核问询函》（上证上审（再融资）〔2023〕151 号）（以下简称"审核问询函"）。2023 年 5 月 18 日，本行及相关中介机构对审核问 询函所列问题进行了认真研究并向上交所回复。2023 年 7 月 18 日，本行收到上交所 新一轮审核问询函，本行及相关中介机构对审核问询函所列问题进行了认真研究并向 上交所回复。 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担法律责任。 二、终止本次发行事项并撤回申请文件的原因 中国民生银行股份 ...

证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号：2023-044 中国民生银行股份有限公司 关于股东所持股份被轮候冻结的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 本次被轮候冻结的股份为中国泛海控股集团有限公司（以下简称"泛海集团"或"被 执行人"）持有的中国民生银行股份有限公司（以下简称"本行"）1,803,182,618 股 A 股无限 售流通股，占本行总股本比例为 4.12%。本次轮候冻结不会导致本行第一大股东及其一致行动 人发生变更。该事项不会对本行的日常经营、公司治理产生重大影响。 截至本公告日，泛海集团及其一致行动人持有本行 2,219,553,255 股无限售流通股，占 本行总股本比例为 5.07%，其中质押股份 2,219,553,254 股，占泛海集团及其一致行动人持有本 行股份比例为 100%；本次轮候冻结 1,803,182,618 股，占泛海集团及其一致行动人持有本行股 份比例为 81.24%。 本行于近日获悉，本行股东泛海集 ...

证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号：2023-046 中国民生银行股份有限公司 关于收到上海证券交易所《关于终止对中国民生银行股份有限公司 向不特定对象发行可转换公司债券审核的决定》的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国民生银行股份有限公司（以下简称"本行"）董事会授权人士同意本行终止 本次向不特定对象发行可转换公司债券（以下简称"本次发行"）事项，本行和联席 保荐机构中信证券股份有限公司、中国国际金融股份有限公司于 2023 年 8 月 9 日向 上海证券交易所（以下简称"上交所"）提交了《中国民生银行股份有限公司关于撤 回向不特定对象发行 A 股可转换公司债券申请文件的申请》《中信证券股份有限公司 关于撤回中国民生银行股份有限公司向不特定对象发行 A 股可转换公司债券申请文 件的申请》和《中国国际金融股份有限公司关于撤回中国民生银行股份有限公司向不 特定对象发行 A 股可转换公司债券申请文件的申请》，申请撤回本次发行相关申请文 件。具体内 ...

Financial Performance - Net profit attributable to shareholders was RMB 14,232 million, reflecting a growth of 3.70% year-on-year[4]. - Operating income amounted to CNY 36.773 billion, up CNY 139 million, with a growth rate of 0.38% year-on-year[13]. - The net profit for the first quarter of 2023 was RMB 14,322 million, compared to RMB 13,819 million in the same period last year, representing a growth of 3.6%[50]. - The total comprehensive income for the first quarter of 2023 was RMB 15,462 million, an increase from RMB 12,239 million in the first quarter of 2022[52]. - The basic and diluted earnings per share for the first quarter of 2023 were RMB 0.33, up from RMB 0.31 in the same period of 2022[52]. Asset and Liability Management - Total assets reached RMB 7,603,107 million, an increase of 4.79% compared to the end of 2022[3]. - Total liabilities reached CNY 6.974833 trillion, up CNY 331.974 billion, with a growth rate of 5.00% compared to the end of the previous year[14]. - The group's equity attributable to shareholders reached RMB 615,340 million, an increase from RMB 599,928 million at the end of 2022, showing a growth of about 2.4%[48]. - The total amount of qualified high-quality liquid assets was RMB 1,045.68 billion, compared to RMB 1,003.96 billion at the end of the previous year[41]. Loan and Deposit Growth - Total loans and advances amounted to RMB 4,336,793 million, up 4.72% from the previous year[3]. - Customer deposits totaled RMB 4,197,989 million, marking a 5.12% increase year-on-year[3]. - The balance of loans to the manufacturing sector was CNY 448.130 billion, an increase of 13.59% year-on-year[14]. - The balance of corporate deposits was CNY 3.031705 trillion, an increase of 2.73% compared to the end of the previous year[17]. Risk Management and Asset Quality - The non-performing loan ratio improved to 1.60%, down from 1.68% at the end of 2022[3]. - The bank's provision coverage ratio improved to 144.11%, up from 142.49% at the end of 2022[3]. - The total amount of non-performing loans was RMB 69.27 billion, a decrease of RMB 1.19 billion compared to the end of the previous year, with a non-performing loan ratio of 1.60%, down 0.08 percentage points[35]. - The bank's credit impairment losses decreased to RMB 8,690 million from RMB 10,300 million in the same period last year, indicating improved asset quality[50]. Customer Engagement and Retail Banking - The number of retail customers reached 124.166 million, an increase of 2.334 million from the end of the previous year[21]. - Cumulative new customer acquisition reached 1.684 million, a year-on-year increase of 55.14%[20]. - Retail banking revenue reached CNY 16.029 billion, a year-on-year decrease of 6.15%, accounting for 46.29% of total revenue, down 3.53 percentage points[20]. - The bank's small and micro loans amounted to CNY 729.312 billion, an increase of CNY 45.871 billion from the end of the previous year[23]. Digital Transformation and Technology - The bank has developed a new three-year technology plan to support and promote digital transformation[29]. - The number of users for the Minsheng Micro APP 2.0 has exceeded 1.2 million by the end of the reporting period[24]. - The bank has optimized the approval time for the "Micro Business Loan" product from 80 seconds to approximately 8 seconds, significantly enhancing customer experience[31]. Market and Investment Activities - The bank's foreign exchange market derivative trading volume reached USD 320.3 billion during the reporting period[26]. - The bank's gold trading volume was 415.06 tons, with a total trading amount of CNY 183.04 billion[27]. - The total amount of transactions on the corporate online platform reached RMB 19 trillion, representing a year-on-year increase of 17.59%[33]. Cash Flow and Financing Activities - The cash flow from operating activities was RMB 225,971 million, significantly higher than RMB 142,204 million in the first quarter of 2022[54]. - The net cash flow from investment activities for the group in Q1 2023 was a negative RMB 48,831 million, compared to a negative RMB 21,237 million in Q1 2022, indicating a decline of approximately 129.5%[56]. - The cash inflow from bond issuance for the group was RMB 172,115 million in Q1 2023, down from RMB 212,992 million in Q1 2022, indicating a decrease of approximately 19.2%[56].

Financial Performance - Net profit attributable to shareholders was RMB 14,232 million, a 3.70% increase from RMB 13,724 million in the same period last year[5] - Basic earnings per share rose to RMB 0.33, an increase of 6.45% compared to RMB 0.31 in the same period last year[5] - The total operating income reached 36.773 billion RMB, an increase of 139 million RMB, with a growth rate of 0.38% year-on-year[17] - The total comprehensive income for the group in Q1 2023 was RMB 15,462 million, an increase of 26.5% compared to RMB 12,239 million in Q1 2022[50] - The net profit for the group for the first quarter of 2023 was RMB 14,322 million, compared to RMB 13,819 million in the same period of 2022, reflecting a year-on-year increase of 3.6%[49] Asset and Liability Management - Total assets increased to RMB 7,603,107 million, up 4.79% from RMB 7,255,673 million at the end of 2022[4] - The total liabilities reached 6.974833 trillion RMB, an increase of 331.974 billion RMB, representing a growth of 5.00% compared to the end of the previous year[18] - The total deposits increased to RMB 4,197,989 million, a rise of 5.12% from RMB 3,993,527 million at the end of 2022[4] - The group’s customer deposits reached RMB 4,255,394 million as of March 31, 2023, up from RMB 4,051,592 million at the end of 2022, reflecting an increase of 5%[47] Loan and Advance Growth - Total loans and advances reached RMB 4,336,793 million, reflecting a growth of 4.72% compared to RMB 4,141,144 million at the end of 2022[4] - The net increase in loans and advances was RMB 201,990 million, compared to RMB 153,560 million in Q1 2022[51] - The total amount of non-performing loans is RMB 69.268 billion, a decrease of RMB 1.19 billion compared to the end of last year, with a non-performing loan ratio of 1.60%, down 0.08 percentage points[37] Cash Flow and Operating Activities - Cash flow from operating activities increased significantly to RMB 225,971 million, up 58.91% from RMB 142,204 million year-on-year[5] - The net cash inflow from operating activities for the group was RMB 225,971 million, up 59% from RMB 142,204 million in the same period last year[51] - The total cash inflow from operating activities was RMB 537,203 million, an increase from RMB 430,976 million in Q1 2022[51] Customer and Market Expansion - The number of institutional clients reached 31,389, an increase of 983 clients or 3.23% compared to the end of last year[21] - The cumulative number of customers reached during the reporting period was 65.86 million, with 13.09 million unique customers covered[27] - The company is focusing on market expansion and new product development as part of its future strategy[10] - The group plans to enhance its digital banking services and expand its market presence in underserved regions to drive future growth[49] Risk Management and Compliance - The bank's focus on risk management has led to a dual approach of controlling new risks while resolving existing ones, maintaining a stable asset quality[37] - The provision coverage ratio is 144.11%, an increase of 1.62 percentage points from the end of last year, indicating improved asset quality management[37] - The bank continues to strengthen corporate governance and compliance, ensuring effective oversight and high-quality development[44] Digital Transformation and Innovation - The bank implemented a digital transformation strategy, focusing on optimizing mechanisms, ecological banking innovation, and enhancing technological capabilities[32] - The bank's agile development system has designed over 400 application deployment models to support strategic implementation[33] - The bank's supply chain financing products have undergone a complete process overhaul, significantly improving customer experience with approval times reduced from 80 seconds to approximately 8 seconds[34] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 393,013[11] - The top ten ordinary shareholders held a total of 18.92% of shares, with Hong Kong Central Clearing Limited holding 8,285,560,726 shares[12] - The largest shareholder, Dajia Life Insurance, held 10.30% of shares, amounting to 4,508,984,567 shares[12]

Financial Performance - In 2022, the net profit attributable to shareholders of China Minsheng Bank reached RMB 35.3 billion, an increase of 2.58%[13] - As of the end of 2022, total equity attributable to shareholders was RMB 599.9 billion, up by 4.47%[13] - Total assets amounted to RMB 7.26 trillion, reflecting a growth of 4.36%[13] - The total operating income for the year 2022 reached CNY 139.22 billion, with a net profit attributable to shareholders of CNY 35.27 billion[21] - Operating income for 2022 was RMB 139,219 million, a decrease of 15.91% compared to RMB 165,554 million in 2021[42] - Net interest income decreased by 14.56% to RMB 107,463 million from RMB 125,775 million in the previous year[42] - Non-interest income fell by 20.17% to RMB 31,756 million, down from RMB 39,779 million in 2021[42] - The bank's net profit attributable to shareholders reached RMB 35.27 billion, an increase of 2.58% year-on-year[52] Asset Quality and Risk Management - The non-performing loan total, non-performing loan ratio, overdue loan total, and overdue loan ratio all decreased compared to the end of the previous year, with a new loan non-performing rate of only 0.42% over the past three years[15] - The non-performing loan ratio at the end of 2022 was 1.68%, a decrease of 0.11 percentage points from the previous year, while the overdue loan ratio fell to 1.99%, down 0.18 percentage points[22] - The bank's risk control system has been continuously improved, ensuring stable asset quality[13] - The bank aims to enhance risk management capabilities through differentiated authorization and process optimization, improving digital and intelligent risk management levels[29] - The bank's commitment to social responsibility has been recognized, as it was selected for the Forbes China ESG 50 list in 2022[23] Digital Transformation and Innovation - The company is committed to digital transformation, aiming to reshape business and management models to provide better customer service experiences[16] - The bank is focusing on enhancing digital transformation and financial technology to improve service quality and expand its service radius[51] - The bank's digital transformation efforts led to a 50% improvement in card opening efficiency for payroll projects and a 14% reduction in private banking customer attrition rate[185] - The bank's digital financial leadership team is responsible for major digital finance projects and resource allocation, aiming to accelerate digital transformation[183] - The "Minsheng Cloud" brand for open banking has been launched, providing integrated services to support the digital transformation of small and micro enterprises[14] Customer Base and Market Strategy - The bank's comprehensive customer base continues to grow, indicating a deepening of integrated operations[13] - The number of effective corporate clients increased by 31% compared to the end of 2020, while retail private banking clients grew by 25%[14] - The bank aims to enhance its service quality for private enterprises, particularly in the small and micro finance sector, maintaining its mission of "serving the public and caring for people's livelihoods"[26] - The bank's strategic layout has strengthened its unique advantages in the market[13] - The bank's focus on rural revitalization has enhanced its rural financial service capabilities[13] Green Finance and Social Responsibility - Green credit increased by 68% in 2022, supporting the national low-carbon transition strategy[13] - The company plans to continue its social responsibility initiatives, including green finance products and community support programs[17] - The bank has introduced a series of green financial products, including "Carbon E Loan" and "Emission Reduction Loan," to support environmental initiatives[23] - The bank actively promotes green financial services, focusing on clean energy, low-carbon transformation, and green building, enhancing service quality and efficiency[150] - The bank's innovative financial products, such as "Photovoltaic Loan" and "Carbon E-Loan," aim to address financing challenges for farmers and small enterprises in the green sector[150] Operational Efficiency and Cost Management - The bank's operational strategy emphasizes adapting to customer needs and enhancing customer experience as a core value driver[30] - Operating expenses increased to RMB 52.60 billion, up RMB 1.42 billion or 2.78% year-on-year, reflecting ongoing investments in strategic transformation and digital finance[74] - The average yield on loans and advances decreased by 43 basis points year-on-year, impacting net interest income negatively[49] - The bank plans to enhance its digital transformation and risk management strategies as part of its second phase of development from 2023 to 2025[24] Loan and Deposit Growth - The total amount of loans and advances rose by 2.36% to RMB 4,141,144 million compared to RMB 4,045,692 million in 2021[43] - The total deposits reached CNY 3,993.53 billion, increasing by CNY 217.77 billion or 5.77% compared to the previous year[48] - The total amount of personal loans was RMB 1,741.87 billion, with a slight increase of RMB 5.37 billion, accounting for 42.06%, down 0.98 percentage points[99] - The total amount of corporate loans reached RMB 2,399.28 billion, an increase of RMB 94.91 billion from the end of the previous year, accounting for 57.94% of the total loans, up 0.98 percentage points[99] Awards and Recognition - The bank received multiple awards in 2022, including the "Best Digital Innovation Bank" and "Best Investor Relations Management Listed Company"[31] - The bank has been recognized for its contributions to green banking and digital finance innovation in 2022[31] Strategic Development and Future Plans - In 2023, the bank enters the "sustained growth phase" of its five-year development plan (2021-2025), focusing on high-quality development and implementing the "12345" operational strategy[27] - The bank aims to strengthen its market competitiveness and profitability while ensuring sustainable development through continuous innovation and value creation[25] - The bank plans to strengthen retail efficiency, develop comprehensive corporate services, and specialize in financial markets to boost revenue[27]