Customer credit status, market competition and profitability considerations.

1. Ping An Bank will decide whether to allow fee reductions or exemptions based on the customer's credit status, repayment record and other factors. If the customer's credit status is not good, the bank will limit fee reductions.

2. As a commercial institution, Ping An Bank needs to consider factors such as profitability and market competition. The bank needs to charge some fees to maintain operations and provide services.