On March 31, Minsheng Bank held its 2025 performance exchange meeting. Regarding the retail business, Executive Director and Vice President Zhang Juntong summarized the bank's retail operations for the full year of 2025 and provided an outlook for 2026.

He stated that looking ahead to 2026, the bank will maintain its strategic focus, continuing to treat the retail business as a long-term, foundational strategic operation. The bank will adhere to the core principles of stabilizing growth, optimizing structure, strengthening foundations, and improving quality and efficiency. It will continue to refine its retail management system, enhance retail risk management, and promote the high-quality development of its retail business.

First, digital operations. The construction of the retail "One Brain" platform has been largely completed. Through practical application across different products and customer segments, the entire platform process has been successfully implemented, covering everything from data collection and management decision-making to marketing planning and sales execution, seamlessly integrating online and offline operations.

Second, strengthening foundational capabilities to enhance the service experience for all customer segments. Adhering to a "customer-first" philosophy, the bank is committed to providing attentive service. It will continue to solidify its base of customers, products, services, and management, while strengthening its capabilities to serve all customers, all products, all channels, and all scenarios. Through dedicated and meticulous service, the bank aims to continuously improve customer satisfaction and their sense of fulfillment.

Third, persisting in optimizing the business structure to implement high-quality development. The continuous improvement of the business structure will remain a key focus. This year, the bank will place further emphasis on the asset structure of consumer loans. In line with policy guidance, regulatory requirements, and common practices within the industry, the bank will strengthen risk management, further return to its fundamental purpose of serving the real economy, and solidify the foundation for high-quality development.