development strategy
Ping An Bank aims to build "the most outstanding intelligent retail bank in China and the world's leading bank", and continues to deepen the 12-character strategic policy of "technology leading, retail breakthrough and mass quality". In terms of technology guidance, we should adhere to technology guidance, model guidance, platform guidance and talent guidance, and use technology to comprehensively reshape the banking body and create a "moat" of financial technology; In terms of retail breakthrough, we will use scientific and technological wisdom to comprehensively promote the transformation of smart retail banks and strive to realize the transformation of retail business from excellent to excellent; In terms of doing fine business, we should choose industries, customers, products and risks, and strive to build a boutique corporate bank with distinctive characteristics, leading benefits and excellent quality.
Performance overview
The overall operation has developed steadily.
The overall operation of the Bank has developed steadily, the retail transformation has been further promoted, the company's business focus has deepened, and the asset quality has been continuously improved. In 20 18, the bank realized operating income of 1,1671600 million yuan, a year-on-year increase of10.3%; The net profit was 248 18 billion yuan, a year-on-year increase of 7.0%. At the end of 20 18, the Bank's total assets were 341859.2 billion yuan, an increase of 5.2% over the end of last year; The balance of deposits absorbed was 21285.57 billion yuan, an increase of 6.4% over the end of last year; Total loans and advances (including discounts) 1 99,752.9 million yuan, an increase of 17.2% over the end of last year.
Retail transformation continues to build a "3+2" system of retail business.
The Bank made every effort to promote the development of retail business and built a "3+2" operation system driven by artificial intelligence, namely, three business modules of "basic retail, consumer finance and private wealth" and two core competencies of "cost control and risk control". At present, retail business has become the main driving force of the bank's revenue growth, and retail income and loans account for more than 50% of the bank.
At the end of 20 18, the Bank managed retail customer assets (AUM)14167.96 million yuan, an increase of 30.4% over the end of last year; The number of retail customers was 83.9 million, an increase of 20.0% over the end of last year; The balance of personal deposits was 46 159 1 100 million yuan, an increase of 35.4% over the end of last year; The balance of personal loans115401300 million yuan, an increase of 35.9%, accounting for 57.8%, and an increase of 8.0 percentage points.
The bank is deeply integrated into the "five ecological circles" of the Group's financial services, medical and health care, automobile services, real estate services and smart cities, and provides customers and users with scene-based and non-trial services through smart master accounts. Online, upgrade the pocket banking application embedded with various technologies and services. By the end of 20 18, the number of registered customers was 62.25 million; Offline, on the basis of the official opening of Guangzhou Liu Hua Branch, the first smart retail store, on 20 17, the project of "Replicating Liu Hua" was launched, and the standard business model of 136 Branch was successfully upgraded.
A corporate bank that constantly optimizes its business structure and intensively cultivates it.
The company's business focuses on the creation of fine business, fine channels and fine projects, and strives to be bigger and stronger in all aspects of ecology with the ecological management concept. Empower management and drive business innovation with science and technology, and form an intelligent boutique corporate banking system.
By the end of 20 18, Pocket Finance had registered 280,000 customers, and the annual transaction amount exceeded 830 billion yuan. In 20 18, the cumulative transaction volume of supply chain accounts receivable service platform (SAS) exceeded 1000 billion yuan, and it has provided financial service support for11core enterprises and their upstream SMEs; 20/KLOC-Number of KYB customers at the end of 0/8 14, 103, 20 18 years of accumulated loans 107 billion yuan.
At the same time, the Bank actively built boutique investment banks and inter-bank businesses. In 20 18, the cumulative issuance scale of inter-bank bond underwriting business was 1, 61900 million yuan, up 54.0% year-on-year. At the end of 20 18, the cumulative number of cooperative customers of "e-link" platform reached 2079, an increase of 150 compared with the end of last year.
Financial technology that leads the market through technology-driven model change
The bank regards science and technology as the primary productive force of strategic transformation, and has built a "3+2" technology platform pattern, creating "three entrances" for pocket banking, pocket finance and e-links, and "two hearts" for smart finance and smart risk control.
From 2065438 to 2008, the bank continued to increase investment in science and technology, and its IT capital expenditure was 2.575 billion yuan, up 82% year-on-year. By the end of 2065438+2008, the scientific and technological manpower of the whole bank had expanded to nearly 6000, an increase of over 44% compared with the end of last year.
In the past ten years, Ping An Group has invested more than 50 billion yuan in scientific research, founded more than 10 new technology companies, 25 scientific research laboratories and 6 scientific research innovation institutes, and applied for more than 12000 scientific and technological patents. Relying on the Group's core technologies and resources in the fields of artificial intelligence, blockchain and cloud computing, the Bank introduced advanced and rich financial technologies to fully empower products, services and management.
Corporate culture construction
Innovative culture is the innate gene of banks, strong execution is the prominent feature of bank corporate culture, and effective performance management is an important starting point for bank execution. We adhere to the people-oriented principle and strive to achieve the harmony and unity between the development of banks and the all-round growth of employees.
In terms of social responsibility, we should focus on poverty alleviation, create a closed loop of "finance+technology+production and sales", help poor areas develop industries, and achieve "poverty alleviation" by "giving people fish". In less than a year, the bank has exported nearly 4.5 billion yuan of poverty alleviation funds, directly helping more than 7 poor people with 19 17, and benefiting more than 330,000 poor people with files and cards.
The Bank further promoted green finance, focused on supporting the development of green industries in the fields of new energy and clean energy, and effectively enhanced credit support for the green real economy. By the end of 20 18, the bank's total green credit reached 62.693 billion yuan.
Enterprise honor
In recent years, the Bank's business development and operating characteristics have been well received by authoritative organizations, and it won the title of "Best Listed Bank of the Year" in the "20 18 China Financial Institutions Gold Award" sponsored by the Financial Times. Won the second China financial technology pioneer list "20 18 China AI financial pioneer list" by securities times. In addition, with our outstanding achievements in the retail field in the past year, we won three awards, namely "Best Progressive Retail Bank in Asia-Pacific, Middle East and Africa", "Best Progressive Retail Bank in China" and "Best Auto Finance Product of the Year" issued by Asian Banker magazine. In 20 18, the bank also won many awards such as "excellent joint-stock commercial bank brand", "excellent mobile banking APP" and "most distinctive credit card".
In the future, Ping An Bank will actively respond to the national strategy, conform to the international and domestic economic and financial situation, and comprehensively enhance its ability to serve the real economy. With AI as the internal driving force, we will systematize and standardize the ability of the best bankers through science and technology, become the first AI banker in the industry, empower AI bankers to our customers, employees and partners, and make Ping An Bank an AI bank.