Group 1: Competitive Advantage - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development through four main approaches: deepening the main business line, strengthening professional operations, accelerating technological transformation, and ensuring risk management [2]. Group 2: Capital Supplementation - The bank has continuously optimized its business structure and saved capital usage, achieving a capital adequacy ratio of 15.32% by the end of 2024, which is considered a good level within the industry [2]. Group 3: Loan Growth - The company has focused on key sectors such as private small and micro enterprises, manufacturing, import-export businesses, and consumer services, enhancing financial services to support the real economy and maintain steady loan growth [2]. Group 4: Investor Communication - During the investor relations activity, the company ensured thorough communication with investors and adhered to disclosure regulations, with no significant undisclosed information leaks reported [2].

Group 1: Asset Quality Outlook - The company anticipates maintaining a good asset quality level within the industry, despite new challenges posed by economic cycles and external conditions [2] - The bank will focus on key areas and adhere to a risk bottom line, implementing prudent and efficient credit policies [2] Group 2: Competitive Advantages - The company adopts a differentiated business strategy to accumulate comparative advantages and promote high-quality development [2] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and ensuring stable operations [2] Group 3: Loan Growth Prospects - The company has focused on supporting private small and micro enterprises, manufacturing, import-export businesses, and consumer sectors, leading to steady loan growth [2] - Future loan growth is expected to continue as policies promoting domestic demand and consumption are implemented [2] Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured full communication with investors, adhering to relevant regulations without disclosing any undisclosed significant information [2]

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development through four main approaches: deepening operational lines, strengthening professional management, accelerating technological transformation, and maintaining risk control [2]. Group 2: Asset Quality Outlook - The bank faces new challenges in asset quality management due to economic fluctuations and changes in domestic and international situations. It will focus on key areas while adhering to a strict risk bottom line, utilizing a unique service system to support economic priorities and implementing prudent credit policies [2]. Group 3: Loan Growth and Future Prospects - The company has been actively supporting key sectors such as small and micro enterprises, manufacturing, and consumer services, leading to steady loan growth. Future policies aimed at expanding domestic demand and promoting consumption are expected to further enhance financial service coverage and support the real economy [2]. Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured that all communications adhered to disclosure regulations, with no significant undisclosed information leaked [2].