Core Insights - The personal financial business has become a key competitive area for banks as they pursue high-quality development in the financial industry [1] - Jiangsu Bank has reported impressive growth in retail deposits and loans, with retail deposit balance reaching 822.9 billion yuan, a 16.21% increase year-on-year, and retail loan balance at 674.8 billion yuan, a 3.40% increase year-on-year [1] Group 1: Personal Financial Services - Jiangsu Bank focuses on customer needs, utilizing strong data and intelligent analysis to create a "layered + categorized" precise service system, effectively tailoring financial solutions for clients [2] - The bank has launched the "Enterprise Investor" comprehensive service brand to cater to entrepreneurs' needs, achieving an annual growth rate of over 20% in private wealth clients and assets [2][3] - Jiangsu Bank's personal financial business has been recognized with the "Shanghai Securities Financial Management" 2024 Annual Bank Wealth Management Brand Award, highlighting its professional capabilities [3] Group 2: Consumer Activation Initiatives - Jiangsu Bank has launched a 2025 consumption stimulation initiative with 20 measures aimed at revitalizing the consumer market, including a "Home Renovation Subsidy" service [4] - The bank has implemented various regional consumer benefit actions, serving over 57,000 people across multiple cities with initiatives like electric bicycle trade-in subsidies and housing purchase subsidies [5] Group 3: Financial and Non-Financial Ecosystem - Jiangsu Bank is building an "8+1" smart scene ecosystem by integrating cutting-edge technologies like big data and AI into various life scenarios, including healthcare and cultural tourism [7] - The "Credit Medical" service allows patients to receive treatment without upfront payment at over 200 partner hospitals, enhancing the healthcare experience [7] - The bank's upgraded App 10.0 version has over 7 million monthly active users, providing personalized financial services and enhancing customer engagement [8]