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Investor Presentaiton

Operating Highlights Risk prevention and control, and benefit stabilization The Bank implemented the "five in one" limit management system and accelerated the reform of the independent approver system; ■The Bank set up a middle office for credit risk control, so as to properly carry out early identification, early warning and early treatment; ■The Bank strengthened the philosophy of "loss reduction and efficiency enhancement" to collect all receivables as far as possible; ■The Bank paid great attention to the "gray rhino" in relation to interest rate risks, so as to prevent the impact of the market risk spillover. AM Sta Innovation for Change Pays off 高盛 3 Service enhancement by technology The Bank accelerated the development of self-operated online credit loans and continuously expanded the "product library" of digital credit loans With a focus on the needs of customers, the Bank built a "platform + capability + application" paradigm for innovative application of science and technology; With the "Industrial Huilian" and other platforms, the Bank customized comprehensive financial service solutions for key industries.
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