a. Consolidate the foundation of corporate banking and explore diverse business opportunities.

• Deepen the management of corporate banking customers and strengthen the maintenance of existing customers.
• Integrate cross-departmental resources to create one-stop financial services.
• Strengthen cooperation between the head office and branches, and implement proactive care and diligent visitation.

b. Complete the wealth management layout and expand the development of personal banking.

• Strengthen the profit contribution of the personal banking business group and conduct precise customer management.
• In response to the trend of second-generation wealth management, implement the transformation of wealth management.

c. Strengthen financial operations and enhance overseas momentum.

• Prudently respond to global financial situations and risk changes, and dynamically adjust investment portfolios and capital allocation.
• Expand the business momentum of overseas branches, increase the loan-deposit spread and strengthen profitability.

a. Build intelligent operations and accelerate system upgrades.

• Promote the upgrade of core and business systems to build an efficient and agile operating framework.
• Use digital-driven innovation to refine customer user experience.

b. Precisely insight into customer segments and enhance marketing synergy.

• Analyze characteristics and needs of various customer segments through Big Data to plan appropriate products and formulate marketing schemes.
• Develop diverse products and services based on customer needs to promote cross-selling.

c. Integrate internal resources to achieve profit goals.

• Proactively explore potential customer needs and deepen business relations.
• Integrate internal resources and strengthen cross-business line marketing.

a. Strengthen risk management and enhance financial resilience.

• Enhance the return on risk-weighted assets through reasonable lending interest rate pricing.
• Strengthen the linkage between lending and return on risk-weighted assets in performance evaluation.

b. Focus on resource allocation and optimize asset structure.

• Adjust the deposit customer structure, and increase the demand deposit ratio to reduce funding cost.
• Strengthen the credit guarantee mechanism for SMEs and prioritize the undertaking of low-risk weighted business.

c. Refine control mechanisms to avoid the occurrence of risks.

• Improve the market risk management framework to effectively control exposure in financial product transactions.
• Strengthen personnel risk awareness and operational compliance.

a. Reduce loan risk and avoid the occurrence of overdue loans.

• Strictly control and manage from the source of credit investigation and loan processes, and continue to refine loan policies and internal credit rating models.
• Strengthen post-loan management, proactively control potential overdue cases, and improve collection efficiency.

b. Operates steadily and prudently, and strengthen risk monitoring.

• Uphold the principle of stable operation and strengthen the monitoring of various risk indicators.
• Keenly grasp market and industrial changes to cultivate forward-looking risk awareness.

c. Optimize asset allocation and enhance asset quality.

• Strengthen the management of the Liquidity Coverage Ratio (LCR) and increase the proportion of eligible high-quality liquid assets.
• Adjust investment portfolios while balancing capital gains and profitability.

a. Sound corporate governance and cultivate operating resilience.

• Implement internal audit and internal control systems to shape a corporate culture of compliance.
• Refine anti-fraud measures and establish early warning indicators and anti-fraud models.
• Devote to building a financial-friendly service environment, improve various measures, and sound the customer complaints processing mechanism.
• Emphasize cybersecurity awareness, continue to strengthen the cybersecurity literacy of employees, and complete the cybersecurity governance framework.

b. Focus on talent sustainability and build long-term strength.

• According to business development needs, promote professional human resources training and competency cultivation.
• Optimize the office business environment, enhance employee welfare, and create a friendly workplace atmosphere.

c. Implement sustainable finance and promote prosperity and common good.

• Thoroughly implement the concept of sustainable operation, integrate ESG issues into operating strategies, and proactively develop diverse green financial products.
• Implement SBT carbon reduction targets, and execute and refine responsible investing and financing policies.
• Strengthen information transparency and disclose the Bank's ESG implementation results and business overview through diverse channels