Ping An Bank Credit Card 2022 Report: The new model of "five in one" empowerment, the performance achieves "three growth"

The interim reporting season is coming, and various financial institutions will submit the transcripts in the first half of the year. Since this year, the epidemic has been repeated, while financial institutions have also taken over the difficult tasks of helping economic recovery while focusing on their own development. Recently, Ping An Bank disclosed the semi -annual report of 2022. Among them, the amount of credit card circulation card was 70.801 million, an increase of 1.0%over the end of the previous year; the average daily balance of credit card receivables in the first half of the year was 610.19 million yuan, an increase of 8.8%over last year.

Deep -cultivating credit card business is one of the focus of the retail transformation of commercial banks. The performance of Ping An Bank credit card shows that when the market tends to be "saturated", the transformation effect of Ping An Bank's credit card has appeared. increase.

It is worth mentioning that at the performance conference on August 18, Xie Yonglin, chairman of Ping An Bank, reiterated the importance of the new model of the "five -in -one" and continued to increase its driving role in the development of retail business. As one of the focus of retail credit cards in Ping An Bank, driven by the new model of the "five -in -one" model, the development toughness gradually shows the toughness of development. The semi -annual report shows that the average balance of the credit card cycle and installments of Ping An Bank in the first half of the year increased by 20.1%compared with last year, driving the income of credit card income rapidly.

Deep cultivation

Multiple business indicators have achieved steady development

Credit card business is a dispute over the retail business of commercial banks. When it is difficult to break through the incremental breakthrough, various commercial banks have aimed at retail transformation. As early as 2016, Ping An Bank divided the retail transformation into three stages: the 1.0 phase of the Intelligent Bank (the end of 2016-at the end of 2018), the 2.0 stage of the intelligent bank (early 2019-at the end of 2020), and the new development of intelligent bank 3.0 Phase (from 2021).

Since 2021, Ping An Bank proposed a new model of the "Five -State", actively leading the business model change, and opening a new stage of development of intelligent bank 3.0. The 2022 semi -annual report showed that Ping An Bank fully implemented a new model of the "five -in -one" model that connects banks, AI banks, remote banks, offline banks, and integrated banks.

For Ping An Bank Credit Card, it is guided by Intelligent Bank 3.0 in 2021 to deepen the transformation of credit card business operations, centered on customer operation, improve the quality and core competitiveness of credit card services, and continue to create a credit card. The ultimate customer experience of time, saving money "promotes the high -quality, standardized, and sustainable development of credit cards.

How to do it? Ping An Bank's credit card focuses on young customers, car owners, and high -end customer bases to explore the true value of each subdivided customer base and meet the different needs of the subdivided customer base.

For example, the four consecutive years of Ping An Bank Credit Card "City Tiantian 88" event is its fist product launched for young customer bases. From the popular star Dili Reba, Guoman's top -flow IP Nezha, this year's virtual human IP, the "City Tiantian 88" event this year, knocking on the door of the Z generation, breaking the door of the Z generation, breaking the door The dimension barrier, captured the young generation of the younger generation in one fell swoop, provided new kinetic energy for the development of credit cards.

In response to the owner's customer group, Ping An Bank credit card aggregates the ecological resources in the Ping An Group, and further improves one -stop comprehensive car ecological operation system that focuses on refueling rights and interests, supplemented by car washing, parking, charging, and maintenance rights. As of the end of June 2022, the amount of credit card circulation cards of the core car owner of Ping An Bank exceeded 26 million.

In response to the wealth customer base, Ping An Bank launched the "Ping An Private Bank Credit Card" to personalize the personalized quota and equity coupons for private wealth customers; Essence

Judging from the financial reports in recent years, the practice of Ping An Bank's credit card to a structured segmentation customer base is completely correct and worthy of reference, and many business indicators have achieved steady development. Ping An Bank Credit Card in 2021, the balance of loans at the end of the year, and the number of circulation households at the end of the year increased by 19 times, 12.5 times, and 7 times compared with 2012. In 2021, its consumption amount ranked second in the industry. At the end of the year, the loan balance and the number of circulation households at the end of the year ranked second in the shares.

Ping An Bank Credit Card deeply cultivated the development model of each subdivided customer base, which made it break through the "stock competition" and open the second half of the development of credit card development.

The new model of the "five -in -one" is empowering business development

Performance realization "three growth"

The implementation of the new model of the "five -in -one" has opened a new stage of development of Ping An Bank's "Intelligent Bank 3.0". It has segmented the customer base for the science of the credit card of Ping An Bank, and the development of the stock business has been firmly found.

Falling on the deep cultivation business, intelligent bank 3.0 can build a scientific customer group division mechanism, plus the smart business system driven by the headquarters "AI brain" decision engine, to promote more accurate customer needs insight (KYC), more adaptation The product service supply (KYP) and more intelligent operating strategies (KYS) enable Ping An Bank credit card to achieve refined and intelligent operations on customers. At the end of June 2022, the "Intelligent Bank 3.0" project basically completed the top -level design and initially formed a systematic strategy path.

Judging from the 2022 half -annual report, in the new model of the "five -in -one", Ping An Bank Credit Card has achieved innovation and development in three aspects: customer refined operation, scenario operation, and intelligent services. In terms of refined operations, the customer base enriches the configuration of product equity and meets the diverse needs of customers. For young customers, Ping An Bank innovatively upgraded the "Ping An Yue" Platinum Credit Card; for high -end customers of private banks, build a private banking business platform and provide them with comprehensive equity services.

In terms of scene operation, Ping An Bank's credit card promotes the layout of the scene and promotes ecological development. Internally, the pocket mall strengthens the construction and linkage of the integration scenarios to create the content of the "Thousands of People and Thousands" mall based on user behavior; external, Ping An Bank Credit Card deepen and open cooperation with head enterprises in the field of consumer scenarios and payment fields to promote joint operations, co -operates together Build ecology. Among them, Ping An Bank Credit Card cooperated with the "BOE Hi" brand to launch the "Ping An Bank Jingxi Platinum Credit Card", which issued more than 500,000 cards in the first half of 2022.

In terms of intelligent services, we strengthen data -driven and improve customer experience and operating efficiency. The first is to rely on credit card A+new core system capacity building to help breakthrough in the new model of intelligence; the second is to optimize the intelligent voice platform and drive intelligent operations. At the end of June 2022, the intelligent voice platform of Ping An Bank has penetrated into 944 business scenarios. In the first half of the year, in the first half of the year The scale of exterior calls reached 258 million, an increase of 141.1%year -on -year; the third is to rely on leading technology to continue to upgrade the team's exhibition model. Based on NFC (close -range wireless communication) technology, customers can complete the card with only mobile phone devices. Effectively improve customer experience.

Thanks to the new model of the "five -in -one", in an uncertain environment, Ping An Bank credit card guarantees the stability of its own operation. The half -annual report in 2022 shows that the "three growth" of the credit card of Ping An Bank: 70.801 million credit card circulation cards, an increase of 1.0%over the end of the previous year; At the same time, Ping An Bank deepened the business of credit card stocks and promoted high -quality business growth. In the first half of the year, the average balance of credit card cycles and installments increased by 20.1%compared with last year, driving the income of credit card income rapidly.

Development of the real economy

Build a long -term development of moat

In the process of achieving performance growth, Ping An Bank's credit card will promote consumption, protecting people's livelihood, and green development throughout, actively respond to national policies, and build a long -term development of moat.

When various financial institutions focus on the scene of the scene, why can Ping An Bank credit cards walk out of their own path in the industry? This is inseparable from the integration of consumer scenarios and the real economy.

Ping An Bank credit card innovatively builds consumer scenarios, use scientific and technological means to improve efficiency, build a customer structured growth engine with refined operations, and integrate every key point of the development of the real economy, and benefit millions of households. It is understood that Ping An Bank and over 100,000 online and offline merchants have established a variety of application scenarios covering user car owners' lives, entertainment and leisure, fresh supermarkets, business travel travel, etc., and continue to enrich the construction and open ecology of the scene.

At the same time, Ping An Bank Credit Card actively responded to the policy of protecting the people's livelihood and issued the "Top Ten Financial Services Promotion of New Citizens". Comprehensive financial services for "saving money".

It is worth mentioning that Ping An Bank's credit card is incorporated into the concept of low -carbon green in the process of setting up the scene.

In May this year, Ping An Bank Credit Card and Xiaopeng Motor launched the first new energy vehicle joint credit card in the domestic industry to advocate environmental protection and intelligent travel methods. Specifically to the scene of the joint card landing, Ping An Bank credit card organically combines high -frequency and low -frequency living scenarios to promote the "dual carbon" goal from the source of consumers. the way.

Also in May, Ping An Bank's credit card was promoted by the concept of low -carbon environmental protection, and he had a big move.

It invested through its own resources and launched a personal carbon account platform for Pocket Bank APP- "Low -Carbon Home", which opened up the barriers to fusion of debit cards and credit cards. Since then, the user's low -carbon behavior can get green equity feedback in one account.

Among them, 18 behaviors can accumulate green energy, and 6 behaviors accumulate carbon reduction displacement. The use of green equity feedback has greatly inspired users to practice the "real green" carbon emission reduction behavior, forming a closed loop from green behavior, green energy to green equity, and allowing banks and users to practice the low -carbon concept. Let the "green consumption" label deeply rooted in people's hearts. This year's fourth "City Tiantian 88" event also continued the low -carbon green concept of Ping An Bank credit card, encouraging users to help low -carbon life with "raising their hands" in daily life.

Throughout the development of the credit card of Ping An Bank, on the one hand, Ping An Bank's credit card has maintained the stability of its own development, which also symbolizes the development model of Ping An Bank's credit card to actively change its strategy and deeply cultivate the subdivision. , Ping An Bank Credit Card actively empowers the development of the real economy during the transformation process, promotes the "dual carbon" goal to land, and lays a solid foundation for long -term development.

The reason why Ping An Bank's credit card can achieve stable performance, integrate the context of the real economy, and practice green concepts cannot be separated from the "five -in -one" new model.In the future, Ping An Bank Credit Card will continue to rely on the bank's fintech capabilities to strengthen the refined operation, scenario operation and intelligent services of customer bases, and continue to create the ultimate customer experience of "worry -free, time -saving, and money" of credit cards.(This article does not constitute any investment suggestions. The content of the information disclosure is subject to the company's announcement. Investors operate according to this, the risk is on its own.)

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