Since the beginning of this year, institutions' enthusiasm for researching A-share listed banks has not diminished. Wind data shows that as of December 3rd, a total of 26 listed banks have been researched by institutions, with the number of research times reaching 490, involving over 2,300 institutions, exceeding the level of the same period last year. Based on the investor research summaries disclosed by several banks, expectations for the full-year net interest margin, credit deployment direction, and future dividend levels have become the focus of attention for institutions. Several banks are predicting that the full-year net interest margin in 2024 will stabilize, and they will continue to strengthen net interest margin management in the future and enhance profit levels by increasing non-interest income. Regarding credit deployment, several banks have indicated that credit project reserves are sufficient, and credit deployment will focus mainly on technology finance, inclusive finance, green finance, and other areas.