Significant growth in revenue and net profit, continued decline in NPLs, and financial innovation.

1. Revenue and net profit increased significantly: corporate finance, retail finance, interbank finance and other businesses have steadily advanced, revenue and net profit have increased significantly, and operating performance has significantly improved.

2. Non-performing loans continued to decline: Through the "four strict" loan control special actions of strict warning, strict performance of duties, strict benchmarking, and strict rectification, new risks were strictly controlled, and post-loan and post-investment management was strictly enforced. The loan rate dropped by 0.71 percentage points, and risks were resolved in an orderly manner.

3. Financial innovation: Hengfeng Bank has always been committed to financial innovation, constantly launching new products and services to meet the different needs of customers.