a. Strengthen the twin-pillar profit structure and develop diverse revenue sources.

• Improve the deposit-loan structure and boost profits from core deposit/loan businesses.
• Expand business development for the personal banking group and create a balanced revenue structure.
• Reinforce overseas business operations and increase the percentage of their profit contributions.

b. Promote digital banking and optimize system support. 

• Continue to develop digital banking, optimize customer experience, utilize AI-driven digital transition, and strengthen corporate competitiveness.
• Optimize system support and improve operational procedures and efficiency.

c. Cultivate the customer base and enhance customer value.

• Work actively to explore new customers, increase the number of active SME accounts, and expand the customer base for core corporate banking business. 
• Develop a complete line of products to meet a wide range of customer demands. 
• Start with corporate and personal accounts and work to increase the number of products per account and raise customer contribution.

a. Monitor the risk indicators closely and improve asset quality.

• Build a comprehensive risk management system and increase risk tolerance.
• Strengthen credit management and improve asset quality.
• Strengthen risk management for financial asset transactions in order to effectively avoid interest rate and market risks.

b. Manage risk-weighted assets and increase capital utilization efficiency.

• Monitor asset allocation and increase businesses with lower risk weights.
• Place equal emphasis on business development and return, and effectively increase return on risk-weighted assets.

c. Strengthen internal control and legal compliance at the same time for better risk management performance.

• Refine internal audit, internal control and legal compliance for better business resilience.
• Raise cybersecurity awareness and develop a more comprehensive cybersecurity risk management system.

a. Implement international guidelines and build up strength in sustainable management.

• Observe global trends in sustainability and improve results of sustainability evaluation.
• Implement IFRS sustainability disclosure standards and strengthen the disclosure of sustainable information.
• Leverage financial influence to promote sustainable financial products and services.

b. Optimize in-house operation management and strengthen business resilience.

• Take a customer centric approach and enhance fair customer treatment.
• Strengthen climate risk governance and gradually achieve SBT carbon reduction goals.

c. Facilitate stakeholder management and create long-term corporate value.

• Protect shareholder interest and enhance corporate value and sustainable development.
• Strengthen information disclosure and communicate actively with stakeholders.
• Create a diverse and inclusive workplace and achieve sustainable human resources management.