Group 1: Overall Financial Performance - As of the end of 2025, total assets reached CNY 59,258 billion, a growth of 2.7% compared to the previous year [2] - Operating revenue for 2025 was CNY 1,314 billion, a decrease of 10.4% year-on-year due to market interest rate changes and business structure adjustments [2] - Net profit for 2025 was CNY 426 billion, down 4.2% year-on-year, but some operational indicators showed improvement, laying a solid foundation for future growth [2] Group 2: Non-Performing Loan Management - In 2025, the bank wrote off loans amounting to CNY 482 billion and recovered a total of CNY 368 billion in non-performing assets, with 97.2% of recoveries in cash [2] - Future strategies include optimizing asset structure and enhancing risk control in key areas to maintain asset quality [2] Group 3: Fee Income and Credit Card Business - Net fee and commission income for 2025 was CNY 239 billion, a slight decline of 0.9% year-on-year [2] - Credit card circulation reached 43.69 million accounts, with total consumption amounting to CNY 20,124 billion [3] - The bank introduced new credit card products and enhanced customer engagement strategies to boost consumption [3] Group 4: Real Estate Loan Performance - The balance of corporate real estate loans was CNY 2,102 billion, a decrease of CNY 350 billion from the previous year [3] - The non-performing loan ratio for real estate loans was 2.22%, an increase of 0.43 percentage points year-on-year, influenced by external market conditions [3] Group 5: Institutional and Technology Client Development - The bank secured 1,232 qualifications for institutional clients, with average daily deposits of CNY 4,265 billion, a growth of 4.7% year-on-year [3] - The number of technology enterprise clients reached 431,917, a year-on-year increase of 21.1%, with technology loan balances at CNY 3,066 billion, up 9.8% [3] Group 6: Interbank Business Performance - In 2025, the bank's interbank channel bond sales reached CNY 3,011 billion, a growth of 3.8% year-on-year [3] - The "行e通" platform collaborated with 2,785 clients, with asset management products sold through the platform totaling CNY 2,671 billion [3]

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