The bank is implementing a "3-3 strategy," designating payment and settlement, cross-border services, and digitalization as its three leading capabilities. It aims to adjust the client engagement sequence, positioning payment and cash management services as the entry point for building client relationships. However, the financial report shows that as of the end of June, the bank's corporate current deposits decreased by 1.36% from the beginning of the year, while corporate time deposits grew by 8.83%. This indicates that the rapidly growing settlement volume has not yet translated into a clear increase in current deposits.