Core Viewpoint - Ping An Bank has clarified its retail strategy, emphasizing improvements in customer acquisition and risk control in response to market changes [1] Group 1: Retail Strategy - The retail strategy of Ping An Bank has not changed but has adapted to macro market changes, focusing on channel selection and risk control capabilities [1] - There was a previous over-reliance on intermediary institutions for customer and loan acquisition, indicating a misjudgment of market dynamics [1] Group 2: Customer Management - The bank has shifted its focus from merely acquiring customers to enhancing customer maintenance and experience, addressing previous shortcomings in these areas [1] - The retail team's mindset has transformed from a market-centric approach to one that emphasizes internal capabilities and professional skills [1] Group 3: Loan Quality - Ping An Bank has observed a significant turning point in the quality of its retail loans, with a noticeable improvement in non-performing loans [1]