Group 1: Financial Performance - The net interest margin for the first half of the year is 1.43%, remaining stable compared to the first quarter [2] - Loans increased by 8.8 billion, a growth rate of 6.41% compared to the beginning of the year [2] - Discounted bills decreased by 879 million, a decline of 4.14% compared to the beginning of the year [2] Group 2: Strategic Measures - The bank is focusing on a retail transformation strategy to optimize loan structure and increase the proportion of real loans [2] - Enhanced loan risk pricing capabilities through a tiered pricing model based on customer repayment history and retail indicators [3] - Average deposit interest rate decreased by 0.33 percentage points compared to the same period last year [3]