On October 31, Minsheng Bank held its Q3 2025 earnings conference. Li Bin, Vice President and Board Secretary, stated that the bank's improved performance this year reflects the gradual results of its strategic transformation in recent years. She emphasized that Minsheng Bank will remain steadfast in its strategic direction, focusing on long-term customer relationships, structural optimization, risk control, and revenue growth to drive high-quality development.

Li Bin outlined five key initiatives for the future:

1. **Customer-Centric Service Philosophy**: Deepen client engagement by prioritizing customer planning, addressing financial service needs, and enhancing high-quality customer acquisition and retention. Expand intermediary businesses with superior products and services, particularly in payment settlements, to strengthen client loyalty.

2. **Optimize Asset-Liability Structure**: Improve efficiency by directing quality credit to critical and underserved sectors of the real economy. Balance asset allocation, business volume, and value creation while enhancing capital utilization. Strengthen settlement scenarios and fund flow management to optimize deposit structures and reduce liability costs.

3. **Accelerate Digital Transformation**: Drive digital and intelligent upgrades to streamline processes and improve customer experience. Expand digital financial ecosystems and scenario-based products, leveraging technology to enhance service efficiency.

4. **Enhance Precision Management**: Boost input-output efficiency by refining cost management systems and resource allocation mechanisms to optimize cost structures and operational effectiveness.

5. **Strengthen Risk Control**: Uphold compliance as a core competency by improving internal risk management frameworks. Proactively monitor asset quality, reinforce risk awareness, and safeguard compliance and security to ensure sustainable growth.

Li Bin concluded, "Moving forward, we will anchor our strategy, grow alongside clients, elevate service capabilities, embrace technological innovation, and solidify operational foundations through efficient management. We aim to deliver robust results to reward the trust and support of investors, shareholders, and society."