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 June 2023, our non-performing loan ratio was 0.71%, far lower than the average non-performing loan ratio of 1.62% for domestic commercial banks and 1.90% for urban commercial banks during the same period, making us one of the best commercial banks in terms of asset quality in China.

　　In the future, Bank of Huzhou Co., Ltd. will firmly grasp the strategic opportunity of accelerating the integration of the Yangtze River Delta and constructing the Huzhou National Green Finance Reform and Innovation Pilot Zone . It will continue to follow the development strategy of "finance+green+technology+cooperation+risk control", take a deep and practical development path of "deeply cultivating the local area, embracing technology, and opening up cooperation", take root in the local and service entities, and strive to build a company based in Huzhou City and radiating the Yangtze River Delta, a regional joint-stock commercial bank with strong advantages and core competitiveness, specializing in specialized, distinctive, and modern services for small and medium-sized enterprises and citizens.