How does the "Fortune Management Bank" vision fall?Disassemble 6 trillion banks!

As a bank that is the first to anchor wealth management strategic goals in the industry, Everbright Bank is further refining and landing its own strategic vision. For the bank, what needs to be considered at present is not how to go faster, but how to go better.

In just ten years, the banking industry has become the past through the scale of capital consumption and the scale growth of the horse -raising circle. The retail strategy that has been highly supported is also facing the torture of the epidemic. Cheng — Competition around the comprehensive financial service capabilities.

Everbright Bank, who has just reached the age of 30, not only has the resource endowment of two aspects of public and retail, but also has been practicing for a full 4 years in the road of wealth management transformation. Under the thick accumulation, in the first half of this year, the total number of retail AUMs (customer asset management) of the bank reached 2.31 trillion yuan, an increase of 8.85%over the end of the previous year. The increase of 11.65%, the increase in the two indicators reached a record high in the same period.

At the same time, in the face of the operating environment of repeated epidemics and poor demand in the first half of the year, Everbright Bank deposits and loans still maintain a high growth rate. The interim report shows that as of the end of June, the total assets of the bank were 6.26 trillion yuan, an increase of 6.0%over the beginning of the year, of which the total amount of loans and pads was 3.51 trillion yuan, an increase of 6.2%from the beginning of the year; the deposit balance was 3.95 trillion yuan, which was from the beginning of the year, which was from the beginning of the year, which was from the beginning of the year. The increase of 7.4%, an increase of 0.6 percentage points at the beginning of the liabilities.

For Everbright Bank, transformation has never been a fashionable slogan, but the business option made by combining the economic and market environment changes and its own resource endowment.

“这两年内外部环境发生了很大变化，客户需求也在不断变化，我们正在紧锣密鼓地梳理和重建2018年制定的战略。”8月29日，光大银行2022年中报业绩发布会上，该President Fu Wanjun clearly outlines the bank's strategic map of how the bank's "first -class wealth management bank" from the three aspects: "accelerating digital transformation", "clarifying the three major assessment orientation" and "anchoring four key areas". After completion of reality.

It can be seen that in the process of practicing wealth management transformation strategies, Everbright Bank has taken out its own characteristic path -the three major sectors of public, retail, and financial markets have been "processed together". Reliable, professional, and sensitive comprehensive financial service capabilities.

New path of Wealth Management Bank

As early as 2018, Everbright Bank took the lead in the industry to raise the banner of "wealth management".

In the past few years, the banking industry has shifted from the extensive growth of "big households and making fast money" to high -quality development. Retail business with better asset quality, higher yields, and less capital occupation has become a highland for the industry competition. "Wealth management" It has also become the "pearl" of the leaders of retail transformation.

As a pioneer of wealth management transformation, Fu Wanjun, the president of Everbright Bank, re -examined the strategic goal set by the bank 4 years ago at the performance conference of the interim report, and used the "three ideas" to clearly outline investors to clearly outline A practical path of how the bank sets the vision into reality.

"In general, adhere to the" Fortune Management Bank "goal vision and maintain strategic determination. At the same time, in order to make the strategic vision better, combined with the changes in the situation in recent years, the path of strategic landing needs to further implement the path of strategic landing. Clear. "Fu Wanjun said," It is mainly on the assessment mechanism, the orientation must be further clear. In the process of landing, further focus on some key areas and key tasks. "

He further explained that the first idea was to take digital transformation as a implementation path for strategic landing in the future. On the one hand, it is necessary to go through digital technology to observe customers, accurately identify customers, reach customers, shorten the customer journey, and match customer needs, so as to improve the customer experience and enhance customer stickiness; on the other hand, through digital transformation, it is necessary Promote the realization of intensive operations, empower grass -roots institutions and customer managers, improve the accuracy of marketing services, and enhance the value creation of grass -roots institutions and customer managers.

The second idea is to be further clarified by assessment orientation. In the next step, the three arctic indicators of retail AUM, the Gong FPA and the GMV of the same industry will traction the development of the three major business segments of the bank's retail, company and financial markets, and promote the business philosophy and methods of the three major business segments from doing indicators to operating.

"Between these three indicators, it is mutually interactive. Through the GMV of the same industry financial GMV, the front -end C and B -end, that is, the retail AUM as the debt side of the investment, formed the assets of the product of the public FPA. The intermediate penetration. "Fu Wanjun said," Through the penetration of these three, the docking, investment and financing docking of various customer funds and assets can be achieved to enhance our value creation capabilities. "

The third idea is to anchor some key areas to land. Combined with the current actual and future development trends of Everbright Bank, we must make efforts in key areas such as wealth management business, comprehensive finance, inclusive finance and trading finance to build the comparative advantages and characteristics of these key areas.

Disassemble the two major business segments

Retail and public business is an important manifestation of a comprehensive business capabilities of a bank.

If it is said that the strategic practice in the past four years has laid a solid business foundation for Everbright Bank. The three North Star indicators of retail AUM, the FPA of the public FPA, and the same industry have further illuminated the business vision of the bank. From the perspective of the retail sector, this sector has become an important source of income contribution of Everbright Bank. The interim report shows that in the first half of this year, the bank's retail operating income accounted for 42.1%, an increase of 0.6 percentage points year -on -year; the proportion of revenue during retail reached 67%.

This is due to the decision to anchor the AUM Arctic Star indicators at the bank. Qi Yan, deputy president of Everbright Bank, said that Aum is the Arctic Star indicator of retail this year. Under the traction of this indicator, the total retail AUM in the first half of the year reached 2.3 trillion, an increase of 187.8 billion yuan from the beginning of the year. "This data It was nearly twice the incremental increase in the same period last year, which also set a record high in history. "

Behind the beautiful asset management data, it is inseparable from high -quality products as support. "We emphasize the ability of asset allocation and continue to enrich the writing of the product, especially in the financial management business very outstanding, the growth rate has reached 8.2%, and the increase in AUM has contributed a greater contribution to 33%." The scale of large -scale growth in low fluctuations such as cash and insurance categories has increased rapidly, which has driven the large wealth management income of large wealth management in assets, agents, and custody as the core to increase by 6.8%year -on -year.

From the perspective of the public business, the advantages of the full financial licenses of Everbright Group, the cooperation of production and finances, and the Mainland Hong Kong have provided natural resource endowments for the development of comprehensive financial services for Everbright Bank. Especially in the current economic downlink and sluggish market environment, banks with comprehensive financial services capabilities, even if they are negatively affected by the decline in loan interest rates in the short term, they will still benefit from the scale of customer stickiness in the long run. It is more stamina.

For example, in the first half of this year, the total number of FPAs of Everbright Bank increased by nearly 500 billion yuan. Qu Liang, the deputy governor of the bank, said, "This is the best beautiful performance in recent years." According to him, in the first half of this year, the bank's underwriting bond scale reached 252.3 billion yuan, ranking the top four in the industry, and the total bond financing broke through the total amount of bond financing. With one trillion yuan, the core underwriting customers increased to 365 households; in the field of non -loan non -debt, the first half of the year reached 154.9 billion yuan.

Non -loan non -debt business means that banks have served the development of corporate customers through mergers and acquisitions of finance, equity financing, structured financing, and intermediary matching. From the perspective of Fu Wanjun, the next task of Everbright Bank must not only increase the total amount of public FPA, but also pay attention to the structure inside, especially the growth of non -loan non -debt business.

"The annual credit investment volume is about 700 billion yuan; the annual bond underwriting scale is about 600 billion yuan; non -loan non -debt, including matching structured financing, mergers and acquisitions, etc., last year, about 100 billion yuan. , Make this business from 5,000-600 billion yuan. "He said," In this way, our company's comprehensive business service capabilities will have a qualitative improvement. "

Coexist with customers

Regardless of the performance of customer conditions, it is the source of no roots and no origin.

With the continuous deepening of China's financial supply-side structural reform, the New Triangle cycle of "Technology-Industry-Finance" that drives economic growth is being formed. If you want to advance to the emerging track, banks will inevitably need to switch to a new statement- "Customer Assets Liabilities", which requires banks to achieve their own high -quality development in the process of creating value for customers.

Especially in the current context, the external factors are complex and the operating challenges are becoming increasingly severe, and it undoubtedly has a new challenge to banks' business operations. So, how to find a win -win option between supporting the real economy and taking into account your own high -quality development? At the 2022 interim results conference of China Everbright Bank, Fu Wanjun's answer was to continue to optimize the industry structure, customer structure and business structure.

He pointed out that the customer group selected by the bank must consider the level of income after the risk of the entire life cycle of assets, not only the short -term returns, but also a stable long -term return. Industry and industry -oriented, banks themselves should strengthen industry research, enhance the ability of fine management and accurate release. "

From the first half of the year, in accordance with the adjustment of the national economic structure, Everbright Bank has a bright growth rate in advanced manufacturing, green finance, and inclusive finance. Among them, the balance of manufacturing loans was 378.2 billion yuan, an increase of 16%over the beginning of the year; the balance of inclusive loans was 281.9 billion yuan, an increase of 18.9%over the beginning of the year; The increase of 26.6%, and the balance of clean energy loans increased by 44.2%compared with the beginning of the year.

These new momentum of economic development is becoming the main driving force for credit growth in Everbright Bank. "In the second half of the year, on the basis of continuing to maintain the situation in the first half of the year, we have also introduced relevant special mechanisms for national key projects and high -quality customers, including list systems and full process management, as the direction of our key credit." Fu Wanjun revealed that the bank has recently communicated closely with the investment funds of the two policy banks to actively participate in supporting financing of key national projects.

He further stated that by increasing support for national key areas, in this economic cycle, Everbright Bank can accumulate more customers with good growth, laying a high -quality customer foundation for the growth of long -term income, and can be more able to be more able to be more Avoid risk lag and ensure stable asset quality in the future. In terms of retail customers, in order to build a layered group retail customer operation system, Everbright Bank has also promoted the reform of a number of retail organization structure in the first half of the year, including the remote banking center incorporate the retail and wealth management department. , Responsible for the centralized operation of Changwei and Genhe, and set up a retail Central Taiwan Department to accelerate the digital transformation of retail.

Qi Yan introduced that after these reforms, the client of the pyramid -shaped client's layered operation was further clarified, that is, the central and high -end customers were focused on the branches, and the long -tailed base was operated by online intensive operation. support.

The interim report shows that as of the end of June, the total number of retail customers in the Everbright Bank reached 147 million, which is in the leading position of the industry. Wealth customers have more than 1.1 million households and 53,000 private bank customers, an increase of 6.5%from the beginning of the year. Life and cloud payment three major apps for monthly live users (MAU) reached 37.2 million.

Casting a digital base

In the post -epidemic era, digitalization has become the cornerstone of banks to operate customers and optimizes customer service.

The uncertainty of the consumption habits caused by the epidemic and the uncertainty brought to the offline exhibition model has accelerated the digital change of the banking industry. Since then, more and more banks have been increasingly transformed into an unprecedented strategic height, and Everbright Banks are no exception.

Since last year, Everbright Bank has formulated a new phase of science and technology strategic planning of "2021-2025", and the planning and designing the "Fourteenth Five-Year Project", including "Top Ten Projects of Business Empowerment", "Four Projects of the Four Projects of Science and Technology Governance", " "Five major projects for technical capabilities" involves a total of 80 sub -projects.

At present, the above -mentioned "14th Five -Year Plan" has started, and the projects in the process of construction have exceeded 80%. This project fully matches the digital transformation of the four major areas of Everbright Banking, retail, financial markets, and risk management, and solidly builds the computing power, algorithms and data foundations of the digital transformation of the line.

In order to promote digital transformation, in the first half of this year, Everbright Bank also integrated and adjusted the scientific and technological structure and some business department structures. According to Fu Wanjun, the bank has newly established the Digital Transformation Promotion Committee in accordance with the "two committees, two centers". It turned out that there was a Financial Information Technology Commission; The center "was to make the R & D center from the original Ministry of Science and Technology in order to respond agilely.

"In the process of promoting digital transformation, we want to retail first, so we set up a business in the retail sector to promote the in -depth integration of science and technology and business." He said. The emergence of the retail business has broken the barriers of the department in the bank, and further released the digital asset potential of Everbright Bank's precipitation in the large retail sector, providing bullets that respond to customer needs quickly for the retail financial sector of the bank.

"After the establishment of the Central Taiwan Ministry, it will be based on the overall situation. By breaking the system programming, demolishing platform barriers, connecting data islands, and achieving three 'unified', that is, unified customer portraits, unified model labels, unified marketing strategies, realizing data -driven full -all Customers, full -link and omnic channels of online digital business models. "Qi Yan introduced that the bank's retail model factory has established more than 270 models, combined with the omni -channel of retail in combination with the scene; in terms of intelligent operations, in terms of intelligent operations The bank also independently developed an enterprise RPA platform.

According to the planning at the beginning of the year, Everbright Bank will also build a new generation of customer manager workbench and intelligent marketing platform. It mainly focuses on the card breaks and pain points in the marketing of customer managers to form vertical empowerment of the head bank, thereby further improving the service capabilities of the front line.

In fact, the effectiveness of digital empowerment has been manifested on the company and retail lines. Yang Bingbing, deputy governor of Everbright Bank, said that the bank provided science and technology to the company's two financial business sectors. "At present, the scientific and technological personnel stationed in these two major areas, including model personnel, are 1430 people, which greatly improves the efficiency of demand response and development." He said, "We statistics, from demand to go online, this process is controlled in this process. The number of projects within a month is close to 50%. "

Fu Wanjun said that through digital transformation and intensive management, Everbright Bank continuously empowers grass -roots institutions to improve marketing capabilities and the value creation capabilities of grass -roots institutions. "In terms of financial expenses, Everbright Bank's annual science and technology budget increased by 5.4%over the previous year. In the construction of talent teams, new personnel are mainly compiled by scientific and technological personnel.

(CIS)

Responsible editor: tactics

School pair: Yao Yuan

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