Core Insights - Minsheng Bank's 2025 performance report highlights the successful implementation of an integrated customer management system for large, medium, and small enterprises, leading to high-quality customer acquisition and efficient operations [1] Group 1: Strategic Customer Development - The bank has strengthened its strategic customer engagement, with total and branch-level strategic customer loan balances reaching 1,474.7 billion yuan, an increase of 27.67 billion yuan from the previous year [1] - Daily average deposit balances reached 1,187.3 billion yuan, with the interest rate on deposits in both domestic and foreign currencies decreasing by 43 basis points compared to the previous year [1] - The number of core supply chain customers increased to 3,421, up by 927 from the previous year, while the number of corporate financing customers linked to the supply chain rose to 43,368, an increase of 12,870 [1] Group 2: Supply Chain and Digitalization - The bank has enhanced its supply chain digitalization by focusing on core industry needs and the pain points of small and medium enterprises, improving the "Minsheng E-chain" product system [1] - The number of core enterprises served reached 6,422, a growth of 63.33% year-on-year, while the total number of chain customers increased to 67,032, up by 46.44% [1] Group 3: Institutional Client Development - The bank has deepened its cooperation within the government-ecosystem, adding 189 new core qualifications at provincial and municipal levels to enhance institutional client development [2] - The bank's efforts in the healthcare, construction, and judicial sectors have begun to show results, with significant growth in the scale of payroll services for institutional clients [2] Group 4: Retail Business Enhancement - Minsheng Bank has positioned retail banking as a long-term strategic focus, enhancing its integrated collaborative system and lifecycle management for retail customers [2] - Total assets managed for retail customers reached 3,283.8 billion yuan, reflecting an increase of 11.46% year-on-year, while the number of retail customers grew to 142.97 million, a rise of 6.46% [2]

Core Viewpoint - Minsheng Bank has been committed to serving the public and supporting the economic development of Hebei Province for 27 years, focusing on private enterprises and providing agile and attentive banking services [1] Group 1: Support for National Strategies - Minsheng Bank's Shijiazhuang branch actively supports major national strategies such as the coordinated development of Beijing-Tianjin-Hebei and the construction of Xiong'an New Area, injecting financial resources to turn these strategies into reality [2] - As of the end of November, the bank has issued loans totaling 27 billion yuan to support major projects related to the Beijing-Tianjin-Hebei integration [2] Group 2: Empowering the Real Economy - The bank emphasizes financial services for the real economy, focusing on five key areas to facilitate the transformation and upgrading of industries in Hebei Province [3] - The bank has launched various financial products, including "Yichuang E-loan" for tech enterprises and "Minsheng Carbon E-loan" for green finance, to support diverse economic sectors [3] Group 3: Support for Key Industries - Minsheng Bank has increased its support for eight major industries in Hebei, with a loan balance of nearly 18 billion yuan in these sectors as of the end of November [4] - The bank has developed specialized credit plans for local industries, issuing nearly 70 million yuan in loans for specific sectors [4] Group 4: Comprehensive Financial Services - The bank provides multi-channel and differentiated services to leading enterprises in industrial clusters, with over 170 core enterprises and more than 1,200 linked enterprises receiving support [5] - The bank's underwriting volume is expected to exceed 9 billion yuan by 2025, helping to reduce financing costs for enterprises [5] Group 5: Enhancing Consumer Services - Minsheng Bank has developed a product matrix to meet the full-cycle consumption needs of residents, with a consumer loan balance exceeding 8 billion yuan as of the end of November [7] - The bank focuses on creating a comprehensive service system for various customer groups, enhancing financial literacy through community outreach [6][7] Group 6: Digital Transformation and Cross-Border Finance - The bank is actively enhancing its cross-border financial services, forming a unique brand system to support foreign trade enterprises [8] - As one of the first banks in Hebei to pilot foreign exchange facilitation, the bank has facilitated nearly 4 billion US dollars in international settlements [8]