Group 1: Deposit Costs and Capital Management - The average deposit interest rate for the first half of the year was 1.80%, an improvement of 29 basis points compared to the previous year [1] - As of mid-year, the core Tier 1 capital adequacy ratio was 9.87%, the Tier 1 capital adequacy ratio was 11.67%, and the total capital adequacy ratio was 14.57%, all meeting regulatory requirements [1] - The successful conversion of nearly 5 billion RMB in convertible bonds has strengthened the group's capital base [1] Group 2: Dividend Policy - The bank has maintained a cash dividend payout ratio of over 30% in recent years [2] - The 2024 annual general meeting has authorized the board to develop a mid-term dividend plan, aiming to provide shareholders with stable and reasonable returns [2] Group 3: Investor Communication - The communication with investors was conducted in accordance with relevant regulations, with no disclosure of undisclosed significant information [2]