Corporate Strategy

We aim to strengthen our market leadership in China's banking industry and focus on transforming our bank into a world-class financial institution. Our overall goal is to maximize shareholder value and achieve sustainable growth. We believe we have distinguished ourselves through our innovative business approach and market leading initiatives. We led the market in investing in centralized information technology, introducing new products and services, establishing comprehensive risk management systems and developing electronic banking networks. We intend to continue this innovative approach and differentiate ourselves through the following strategies:

◆ Diversify Our Revenue and Asset Mix by Expanding into Higher Growth Non-Credit Businesses
◆ Prudently Grow Our Credit Businesses and Actively Enhance Our Credit Portfolio
◆ Continue to Improve Our Customer Mix and Profitability through Increased Customer Segmentation, Targeted Marketing and Enhanced Customer Service
◆ Strategically Expand Our Traditional Branch Network and Enhance Our Sales and Marketing Capabilities through Strengthening Our Electronic Banking Operations
◆ Continue to Strengthen Our Risk Management and Internal Control Capabilities
◆ Leverage Our Partnerships with Strategic Investors
◆ Enhance Employee Performance through Performance-linked Incentive Schemes and Continuous Training and Development