Group 1: Business Strategies - The bank is focusing on expanding its middle-income sources by enhancing wealth management services and diversifying asset allocation for clients [1] - The bank is actively pursuing new business growth points in government bond sales, non-financial corporate bond underwriting, and custody services [1] Group 2: Market Outlook - The bank plans to strengthen its investment research capabilities and improve market trend analysis to enhance returns amidst fluctuations in the bond market [2] - The bank will closely monitor changes in the internal and external operating environment to adapt its strategies accordingly [2] Group 3: Risk Management - The bank is committed to maintaining a comprehensive risk management system that covers all aspects and processes, aiming to keep asset quality stable throughout the year [2] - Continuous optimization of credit policies and approval strategies is being implemented to prevent and mitigate risks effectively [2] Group 4: Communication and Compliance - During the investor relations activity, there was thorough communication between the company representatives and investors, adhering to regulations without disclosing any undisclosed significant information [2]

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]