In 2022, guided by the customer-centric approach, we continued to refine product experience and responded quickly to the pandemic based on the CMB Life APP while providing customers with home-based financial and lifestyle services such as intelligent customer service and online family doctors relying on Fintech. We launched a number of popular marketing activities such as “Daily Coupon for May Day” and “Spending 18 June with You” to form a continuous, efficient and large-scale customer mobilisation capability, which effectively promoted the increase in credit card consumption and became more closely connected with customer operations.