Core Viewpoint - Jinshang Bank's 2026 work meeting emphasized the importance of deepening reforms, ensuring transformation, and enhancing quality and efficiency to create value, manage risks, and support local development in the new five-year plan [1]. Group 1: 2025 Achievements - Jinshang Bank's transformation in 2025 showed significant results, with key areas like technology finance, green finance, and inclusive micro-loans growing over 10%. The bank led in "guaranteeing housing" credit in Shanxi Province, and county deposits became a new growth highlight [3]. - Innovative business breakthroughs included the first "Port Cloud Warehouse" financing and cross-border RMB settlement for aircraft bonded procurement in the province, along with successful issuance of technology innovation bonds and floating rate bonds, significantly increasing income from wealth management and trade finance intermediary services [3]. - The risk management system was comprehensively restructured, successfully resolving risks in village and town banks, with self-research in technology rising to 13%, laying a solid foundation for high-quality development [3]. Group 2: 2026 Focus Areas - The bank will focus on five key directions for high-quality development in 2026, starting with enhancing service efficiency for the real economy by creating a "green energy + finance" service model and supporting major provincial projects [4]. - The second focus is on deepening reforms to stimulate internal growth, implementing innovative incentives like "ranking and competition," and enhancing digital capabilities through AI to improve operational efficiency [5]. - The third focus is on strict risk management, establishing a comprehensive risk prevention system, and transitioning risk management to proactive prevention and control [5]. - The fourth focus is on building a high-quality professional team, developing a cadre of politically aware and management-savvy leaders, and implementing specialized training programs to enhance overall capabilities [5]. - The fifth focus is on leading with party building to ensure high-quality development, integrating party activities with business planning and assessment [5].