
Group 1: Financial Performance - The average interest rate for deposits decreased to 2.13% in the first nine months of 2024, down by 7 basis points compared to the same period last year [1] - The non-performing loan (NPL) ratio stood at 1.06% as of September, with a provision coverage ratio of 251% [1] - The total amount of non-performing loans reached 3,125 billion CNY, an increase of 3.0% from the end of the previous year [1] Group 2: Retail and Wealth Management - Retail loan balance increased by 3.0% year-on-year, with mortgage loans at 3,125 billion CNY [1] - Credit card receivables decreased to 4,531 billion CNY, down 12.5% from the end of the previous year [1] - Wealth management assets under management (AUM) reached 19,502 billion CNY, with 1.42 million wealth clients, including 190,000 private banking clients, a growth of 3.8% year-on-year [2] Group 3: Future Outlook and Strategy - The bank plans to distribute 10% to 35% of the annual distributable profit as cash dividends from 2024 to 2026 [2] - Focus areas for corporate loans include industry finance, technology finance, supply chain finance, cross-border finance, and inclusive finance [2] - The bank aims to optimize its deposit structure and cost management to support sustainable growth [1]