1. Net profit increased by double digits, with a year-on-year increase of 12.96% to1201600 million yuan;

Second, asset quality is improving. Although NPLs increased by 65.438+23.6 billion yuan to 65.438+55.4 billion yuan, NPLs decreased by 0.02 percentage point, accounting for 65.438+0.4 1%, and the balance and proportion of interest-related loans decreased simultaneously.

Third, the ability to resist risks was enhanced, and the coverage ratio of non-performing provisions increased by 3.69% year-on-year to184.25%;

4. The proportion of retail assets and profit contribution soared, and retail loans reached187.847 billion yuan, accounting for 25. 13% of the total loans, an increase of 4.23%; The operating profit of retail business accounted for 28.25%, up 10.23% year-on-year.

But many other banks have no bright spots. This bank, whose total assets rank third in the echelon of listed city commercial banks, has also presented:

For example, Jiangsu Bank became the second and first city commercial bank in China to adopt the equator principle after Industrial Bank (quotation 60 1 166), with the balance of green financial loans of 66.97 billion yuan, up 43.36% year-on-year;

For another example, after Jiangsu Bank became China Merchants Bank, the investment in financial technology reached 1% of the bank's operating income, and the proportion of scientific and technological personnel in the total number of employees was close to 4%.

This is obviously not easy for a city commercial bank.

The investment in science and technology exceeds 3 billion yuan, and the coverage rate of smart counters exceeds 1/3.

In 20 17 years, the investment of Jiangsu Bank in financial technology reached 1% of its operating income. What was the revenue of Jiangsu Bank last year? 33.839 billion yuan, which means that Jiangsu Bank invested 3.38 billion yuan in financial technology last year. At the same time, the proportion of scientific and technological personnel in the total number of employees is close to 4%, while the number of employees in the parent company of the bank is 14662, which means that Jiangsu Bank has at least 580 scientific and technological employees.

And the result? Within Jiangsu Bank, the series of "e-finance" products represented by "tax e-finance" (such as "purchase e-finance", "exchange e-finance" and "cross-border e-link") and direct banking are regarded as the most representative carriers of the light smart bank built by using big data: the loan balance of the former increased by nearly 700% at the end of last year, and the current accumulated credit line is 1.57 million. At the end of last year, the number of customers of the latter exceeded130,000, an increase of 355% compared with the beginning of the year, and now it has reached 24 million, surpassing the first Minsheng Direct Bank in the industry. At present, its business balance has reached 36.8 billion yuan, and the accumulated transaction volume is nearly one trillion yuan. The assets scale of managed customers, active customers, accumulated assets transaction volume and other indicators are among the best in the industry.

Under the trend of high turnover rate and irreversible mobile business, Jiangsu Bank is also actively promoting the transformation and innovation of outlets. At present, the coverage of smart counters accounts for more than one-third of the total number of outlets. By the end of 65438+February, Jiangsu Bank had 188 outlets with smart counters, accounting for 34.9% of the total outlets. Personal non-cash business *** 13, 40 functions, moved to the intelligent counter, accounting for 75% of all personal non-cash business varieties. At the same time, Jiangsu Bank is also studying the online product sales system. Online sales of wealth management, insurance and funds all accounted for more than 80%, up 10% year-on-year.

The main force of these innovative practices lies in the retail sector, which is also the reason why Jiangsu Bank's retail profit contribution has increased greatly: Jiangsu Bank's personal deposits and wealth management have exceeded 200 billion yuan; Online platform drainage achieved a breakthrough, with the total number of customers reaching 27.0709 million, up 38 1.33% year-on-year. The number of credit customers of consumer loans exceeded 500,000, with an increase of nearly 65.438+000%, and the balance of consumer loans was 68.488 billion yuan, with an increase of 44.5%.

The rapid growth of the large retail sector has contributed middle and high-end users to Jiangsu Bank. It is worth mentioning that the bank currently has 265,438+0,596 wealth management customers, an increase of 70.20%, and 3,753 private banking customers, an increase of 36.52%. The assets of financial and private customers exceed 100 billion, and the sales of private products exceed 10 billion.

It can be said that the development of financial technology is the only way for this city commercial bank not to lag behind the national joint-stock banks with more outlets under the wave of retail transformation.

Transformation mode of asset management under MPA and new asset management regulations

After Industrial Bank, Jiangsu Bank became the second bank in China and the first one among city commercial banks to adopt the equator principle. What is the equator principle? It is a set of international project financing environmental and social risk management tools and industry benchmarks, aiming at judging, evaluating and managing environmental and social risks in project financing.

According to the Equator principle, financial institutions should classify financing projects into three categories according to the potential environmental and social risks and the degree of influence, and conduct different levels of environmental and social risk review for projects with different risk levels. On this basis, the borrowing enterprise is required to prepare an action plan for the risk points and write it into the loan contract. In addition, the Equator Principle also emphasizes that banks should continuously monitor the construction and operation of the project after the loan, and regularly disclose the implementation.

Bank of Jiangsu took the initiative to join this stricter financing project audit system. Last year, the bank's balance of green financial loans was 66.97 billion yuan, a year-on-year increase of 43.36%, ranking among the top listed banks.

In addition to accepting international regulatory indicators, Jiangsu Bank also actively reduced the scale of interbank business under the requirements of the new MPA rating regulations of the central bank and the "three 30-40" special governance of banking supervision, and reached the regulatory requirement that interbank liabilities+interbank deposit certificates should not exceed total liabilities 1/3 one quarter in advance. The reporter learned that as of the end of last year, the bank's interbank assets fell by a full 27% year-on-year.

In order to adapt to the upcoming new asset management regulations in advance, Jiangsu Bank has made great efforts to adjust its financial management structure: at the end of last year, the balance of financial assets was 358.8 billion yuan, a slight increase of 365.438+09% year-on-year, of which corporate financing was 99.9 billion yuan and private financing was 258.9 billion yuan, and the scale of interbank financial management decreased from about 25% to about 3%. The most important thing is to promote the transformation of net wealth management. In the whole year, nearly 150 net worth non-guaranteed wealth management products were issued, with a total raised amount of nearly 30 billion yuan, and the stock balance exceeded 100 billion yuan.

This is the coming moment of the new asset management regulations, and a city commercial bank has made drastic self-reform in its wealth management business.