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　　Since establishment, our bank has always adhered to the prudent business policy and placed risk prevention and control in a prominent position in business management. At the same time, our bank fully leverages the advantages of local bank and relies on a "localization and specialization" business team. After long-term exploration, we have developed unique insights into local business scenarios, local characteristic industries, and local customer groups. We have established a differentiated and sustainable risk control technology in terms of admission standards, information sources, product design, and other aspects, maintaining the long-term stability of our bank's asset quality. ?By the end of 2023, our non-performing loan ratio was 0.74%, far lower than the average non-performing loan ratio of 1.59% for domestic commercial banks and 1.75% for urban commercial banks during the same period, making us one of the best commercial banks in terms of asset quality in China.