Group 1: Interest Margin Outlook - The net interest margin for the first half of the year is 1.33%, a decrease of 5 basis points compared to the end of 2024, which is better than the industry average [1] - The bank will continue to focus on customer-centric integrated management strategies to enhance interest margin management [1] Group 2: Loan Distribution in Different Regions - As of June 2025, the loan balance in other regions of Jiangsu Province accounts for over 44%, maintaining a good growth trend [2] - The bank plans to leverage its full coverage of provincial branches to deepen local market integration and enhance financial service levels [2] Group 3: Asset Quality Trends - The non-performing loan ratio is 0.83% as of June 2025, indicating a strong asset quality compared to the industry [2] - The bank aims to maintain stable asset quality throughout the year by improving risk management and monitoring processes [2] Group 4: Investor Communication - The company ensured thorough communication with investors during the meeting, adhering to regulations without disclosing any undisclosed significant information [2]

Group 1: Deposit Growth - As of the end of Q1 2025, the total deposit balance of the group reached CNY 463.014 billion, an increase of CNY 46.049 billion from the beginning of the year, representing a growth rate of 11.04% [1] - Corporate deposits amounted to CNY 218.007 billion, with a growth of 12.64% compared to the beginning of the year [1] - Personal deposits totaled CNY 245.007 billion, reflecting a growth of 9.67% since the start of the year [1] Group 2: Net Interest Margin Outlook - The net interest margin at the end of Q1 2025 was 1.34%, a decrease of 4 basis points compared to 2024, which is better than the industry average [1] - The bank plans to maintain a customer-centric integrated operating strategy to enhance and refine management, aiming to mitigate the narrowing of the interest margin through both quantitative growth and qualitative improvement [1] Group 3: Loan Distribution in Different Regions - The bank has been actively promoting loan distribution in key regions outside its primary area, with loans in other regions of Jiangsu Province accounting for over 40% of the total loan balance [2] - Future strategies will focus on adapting to local markets and extending service reach to fully explore the financial service needs across the province [2]