Platform empowerment for precise risk control, digital-intelligent transformation for quality and efficiency improvementSHENGJINGBANK(02066) fully implements the application of the capital flow credit information sharing platform

To thoroughly implement the People's Bank of China's work deployment on using the national credit information sharing platform for micro, small and medium-sized enterprises to support the special action of the "Five Major Articles" of financial services, and to continuously improve the quality and efficiency of financial services for MSMEs and credit digital-intelligent risk control capabilities, SHENGJINGBANK (02066) officially launched the National MSME Capital Flow Credit Information Sharing Platform on September 12, 2025, fully opening a new stage of digital, refined and intelligent upgrading of credit risk control. To date, it has obtained customer authorization for more than 4,000 accounts, cumulatively queried nearly 20,000 capital flow reports, supported loan disbursements of RMB9.8 billion, and applied more than 20 products. The National MSME Capital Flow Credit Information Sharing Platform is built under the overall coordination of the People's Bank of China. It can accurately and objectively reflect the real operating conditions, capital receipt and expenditure trajectories and performance capabilities of MSMEs and individual industrial and commercial households, and is an important digital tool for financial institutions to assess enterprise operating strength, identify potential risks and precisely empower the real economy. Leveraging the opportunity of platform construction, SHENGJINGBANK focuses on five key areas: technology, green, inclusive finance, elderly care and the digital economy. It closely aligns with the financing needs of MSMEs, science and technology innovation enterprises, agricultural business entities and market entities in industrial chains, continuously strengthens financial empowerment, fully serves the construction of key areas under the "Two Major" and "Two New" initiatives, and uses digital financial strength to precisely reach the weak links of the real economy. In the process of promoting and applying the platform, SHENGJINGBANK adhered to high-level coordination and systematic advancement, established a top-down special work promotion system, and tightened work responsibilities at institutions at all levels. By establishing a regular supervision mechanism, improving the assessment and evaluation system, and regularly carrying out business training and testing, it has continuously standardized the platform application process and improved the practical capabilities of all staff, steadily driving continuous increases in platform query volume and the "two-query ratio" indicator, and achieving normalized, standardized and compliant implementation of platform application. Relying on technological empowerment, SHENGJINGBANK has completed deep integration between the capital flow platform and the bank's internal credit system, and innovatively launched a batch automatic query function for post-loan customers, realizing automation, full coverage and normalization of post-loan capital flow verification for customers, greatly improving the frequency and breadth of risk monitoring, and effectively consolidating the bank's dynamic post-loan risk control capabilities. Based on actual business needs, SHENGJINGBANK will further tap the value of capital flow data, continuously expand digital risk control application scenarios, and promote the full integration of capital flow information into the entire business process of customer access, risk identification, credit approval and post-loan early warning. It will continuously improve system construction, gradually realize automated query and updating across the entire pre-loan, in-loan and post-loan process, continuously optimize the customer online authorization system, streamline operating procedures and improve service efficiency. In the future, SHENGJINGBANK will continue to deepen the digital-intelligent transformation of finance, use data to empower risk prevention and control, use technology to support inclusive services, continuously improve the precision, accessibility and safety of financial services for MSMEs, and fully serve the high-quality development of the real economy.