On April 25, Jiangsu Bank held the 2017 annual results conference. The annual report released by the bank showed that Jiangsu Bank achieved operating income of 33.839 billion yuan in 2017, an increase of 7.58% year-on-year; net profit of 12.016 billion yuan, an increase of 12.96%; The non-performing loan ratio was 1.41%, down 0.02 percentage points from the beginning of the year, and the scissors gap was narrowed by nearly 50 percentage points. This bright performance benefited from the timely adjustment of the Bank of China's business strategy, accelerated transformation, comprehensive risk enhancement prevention and control, and continuous enhancement of value creation capabilities.
Performance maintained double-digit growth, and the company's business structure continued to optimize
In 2017, Jiangsu Bank actively adapted to the complicated and ever-changing economic and financial situation and the increasingly strict regulatory requirements, adhered to the general tone of work in a stable and progressive manner, adjusted its business strategy in a timely manner, vigorously promoted innovation and reform, and comprehensively strengthened risk prevention and control. Business operations are stable, stable, and excellent. At the end of 2017, the total assets of the Bank totaled 1.77 trillion yuan, a year-on-year increase of 10.78%. The balance of various deposits was 107.8 billion yuan, an increase of 11.07%. The loan balance was 747.3 billion yuan, an increase of 15.08%. The annual operating income was 33.839 billion yuan, an increase of 7.58%. The net profit was 12.016 billion yuan, an increase of 12.96%. The net profit attributable to shareholders of the parent company was 11.875 billion yuan, an increase of 11.91%. The cost-to-income ratio was 28.80%, down 0.41 percentage points year-on-year. The year-end capital adequacy ratio was 12.62%, an increase of 1.11 percentage points year-on-year.
While further serving the economic development, Jiangsu Bank has fully utilized the local advantages of rich resources and solid customer base, and the company's business structure has improved significantly. The deposit structure continued to be optimized. Demand deposits increased by 1.7 percentage points at the beginning of the year, and the market share of deposits and loans continued to increase. The new share was among the top in the province. The number of customers increased rapidly. At the end of the year, there were 27,851 effective customers of the company, an increase of 20.69% compared with the beginning of the year; 9237 credits of large companies, an increase of 20.52%; and 27,671 loans of small and micro enterprises, an increase of 1,337 compared with the beginning of the year. The quality of customers continued to improve, with 665 public customers, an increase of 36.27%; and 691 listed companies, an increase of 31.12%.
Jiangsu Bank insisted on returning to its source and serving the real economy. Credit assets accounted for 41.11% of total assets, up 1.53 percentage points year-on-year. Manufacturing loans exceeded 100 billion, an increase of 12.85% year-on-year. Adhere to the structural reform of the supply side of the service, and look for development opportunities in the industrial upgrading and transformation, advanced manufacturing loans of 27.682 billion yuan, an increase of 43.58%.
During the reporting period, Jiangsu Bank became the second bank in China and the first bank to adopt the Equator Principles. The balance of green financial loans was 66.97 billion yuan, a year-on-year increase of 43.36%. Microfinance has built core technology with the concept of mass production, standardization, modularization and onlineization. The professional operation capability has continued to improve. The balance of small and micro loans at the end of the year was 313 billion yuan, an increase of 43.5 billion yuan year-on-year. For the first time in the same industry, it has reached the “two no less than†requirements of the China Banking Regulatory Commission for seven consecutive years. It has achieved “three no less than two consecutive years†for two consecutive years, and has been rated as the national advanced unit for small and micro enterprises by the China Banking Regulatory Commission twice. The market share of the Science and Technology Finance Province was 20.47%, up 1.5 percentage points year-on-year, and the leading edge continued to consolidate. Cross-border finance continued to lead in the city's commercial banking sector, with annual international settlements reaching US$124 billion, a year-on-year increase of 20%. The total assets of the Free Trade Zone exceeded 14.4 billion yuan, and the debt business exceeded 10 billion yuan, a year-on-year increase of 27%. Cross-border transactions and cross-border bond business doubled, and 13 new projects of “One Belt, One Road†reached a total credit of 30 billion yuan.
In 2017, the market influence of Jiangsu Bank was further enhanced. Bank of Jiangsu ranked 117th in the Bank of America's 2017 Global Bank Tier 1 Capital Rankings, up 9 places from the previous year; it was included in the MSCI Index and SSE 50 Index in one year of listing; at the China Banking Association 2017 Among the evaluation results of the “gyro†evaluation system of the commercial bank's stable development capability, it ranked the second among 62 city commercial banks, up 4 places from the previous year; won the “Best Green Finance Award for Social Responsibility†and the Financial Times of the China Banking Association. "The most competitive small and medium-sized banks of the year" and other dozens of major honors.
Accelerating the transformation of retail sales, the contribution of retail business has increased significantly
According to the annual report, Jiangsu Bank accelerated the development of retail transformation in 2017. The total profit of retail business was 3.896 billion yuan, up 59.87% over the previous year. The operating profit of retail business accounted for 28.25%, up 10.23 percentage points year-on-year.
While the retail sector of Jiangsu Bank maintained rapid growth, it achieved structural optimization. The personal deposits and wealth management of Jiangsu Bank exceeded 200 billion yuan, and personal loans exceeded 180 billion yuan. The proportion of retail deposits and loans continued to increase, which was 1.2 and 4.2 percentage points higher than the end of 2016. The platform drainage achieved breakthroughs, and the total number of online customers reached 2,707,900, an increase of 381.33%. Consumer credit credit customers exceeded 500,000, an increase of nearly 100%, and the balance of consumer loans was 68.88 billion yuan, a year-on-year increase of 44.5%.
Jiangsu Bank focused on high-end customers, vigorously developed wealth and private banking business, 21,596 wealth management customers, an increase of 70.20%, 3,537 private banking customers, an increase of 36.52%, the assets of private and private customers broke 100 billion, and the sales of private products exceeded 100. Billion.
Jiangsu Bank develops intelligent products and services, and is the first smart investment company in China to launch investment and financing integration – Alpha Zhitou; realize self-service equipment face-lifting and two-dimensional code access; innovative foreign exchange “foreign exchange†business; Personal financial services online product system, financial, insurance, fund online sales are over 80%, an increase of more than 10 percentage points.
At the end of the reporting period, the bank's retail deposit balance was 211.795 billion yuan, an increase of 17.8% from the beginning of the year, accounting for 21% of total deposits, an increase of 1.97 percentage points. Retail loans amounted to 187.847 billion yuan, an increase of 38.39%, and the proportion of total loans reached 25.13%, an increase of 4.23 percentage points. Retail deposits and loan increments are among the highest in the province, and market share continues to increase. He has won many Best Private Bank Awards from the China Banking Association, the Asia-Pacific Fortune Forum, and the Asian Banker magazine.
Financial technology empowers business development, and the development of smart banking has achieved initial results
In the context of building digital China, strengthening the application of financial technology is an inevitable choice for the banking industry to improve its services and breakthroughs in innovation. Jiangsu Bank deeply understands that financial technology is no longer a concept for the banking industry, but a business model, which is an important driving force for solving the strategic transformation of the banking industry. From the results of last year's business operations, Jiangsu Bank is further grasping the times. Opportunities, accelerating the reshaping of its own format with emerging technologies, accelerating the innovation of management methods, product systems and service models, and concentrating on building “the bank with the most Internet big data genesâ€, and building a smarter city. In 2017, Jiangsu Bank's financial investment in financial technology reached 1% of operating income, and the proportion of scientific and technical personnel in the total number of employees was close to 4%, which yielded fruitful results.
The launch of the "e-melt" series of products represented by "tax e-melting" is an important achievement of Jiangsu Bank's years of relying on big data technology to build a "smart bank". During the reporting period, the Jiangsu Bank e-finance platform continued to grow. The first “tax e-integration†310 online loan products (3 minutes application, 1 second approval, 0 manual intervention) launched in the country have been exported to more than 10 outletless areas outside the province. The loan balance at the end of the year has increased nearly 7 times compared with the beginning of the year. At present, the cumulative credit is 15,700, and the accumulated loan is 25.7 billion. The “Electric E-Finance†based on the big data of electricity bills was successfully launched, and the credit was 217 million yuan. The “Gold E-Finance†based on the big data of the provident fund realized full coverage of the whole bank, and the loan balance exceeded 10 billion yuan. With the “purchase e-financeâ€, “huihui e-finance†and “cross-border e-point communicationâ€, the e-family products have expanded into a trend, and the number of customers and business scale have achieved exponential growth.
Jiangsu Bank has developed a leading direct selling bank in the industry, providing electronic account systems, payment clearing, wealth management, loans and other solutions. At the end of 2017, the number of customers of direct selling bank exceeded 13 million, an increase of 355% compared with the beginning of the year. At present, it has reached 24 million, the business balance reached 36.8 billion yuan, and the accumulated transaction volume is nearly one trillion yuan. The management of customer assets, active customers, accumulated asset trading volume, etc. The indicators are among the best in the industry. On-line "car life" service platform, users exceeded 300,000; on-line "string-string" marketing cloud platform, users exceeded 3 million; payment platform signed schools exceeded 900.
During the reporting period, Jiangsu Bank accelerated the exploration of cutting-edge technology, and made breakthroughs in various fields, and achieved business leadership, occupying a leading position in the industry. In terms of blockchain, Jiangsu Bank built the Su-Silver chain and took the lead in the bill discounting business; in the Internet of Things, the first domestically launched full-line full-service movable property pledge financing service; artificial intelligence, the first domestic investment and financing integration of Alpha Intelligence Investing in the platform, new voice recognition systems, and actively researching technologies such as image recognition.
Jiangsu Bank steadily promoted smart network projects and actively promoted network transformation and innovation, with intelligent counter coverage accounting for more than one-third of the total number of outlets. As of the end of December, Jiangsu Bank had 188 outlets for intelligent counters, accounting for 34.9% of the total number of outlets. The personal non-cash business that migrated to the smart counter has a total of 40 functions in 13 categories, accounting for 75% of all individual non-cash business varieties. On the basis of the completion of the classification of the Bank's outlets in 2016, the network department setting and professional team configuration in 2017 have been fully in place, and the full-featured branch company's business department and retail business department have been set up, and the network transformation has achieved phased results.
The transformation of the asset management business continued to deepen and the comprehensive service level continued to improve.
In 2017, Jiangsu Bank focused on regulatory guidance, accelerated the transformation of asset management and inter-bank business, and tapped opportunities in asset securitization, financial markets and custody business, strengthened active management, enhanced value contribution, and continuously improved service levels.
The financial market business increased rapidly, and the bond underwriting was 57 billion yuan, a year-on-year increase of 40%. Bond investment grew rapidly, with a year-end balance of 248.2 billion yuan, a year-on-year increase of 37.5%. All kinds of financial assets (measured at fair value and included in current profit and loss financial assets, available-for-sale financial assets, held-to-maturity investments, receivables, etc.) investment yields increased quarter by quarter, from the end of 2016 3.88%, up to 4.40% at the end of 2017.
Jiangsu Bank has placed ahead of schedule, actively implemented the new rules for the MPA rating of the central bank, the special requirements for the “three-three forty-six†special supervision of the banking supervisors, and actively controlled the scale of inter-bank business, meeting the inter-bank liabilities in the first quarter and the inter-bank deposits not higher than 1/3 of the total liabilities. Regulatory requirements.
The scale of custody business grew rapidly, and the assets under custody reached 1.87 trillion yuan at the end of the year, a year-on-year increase of 19.92%. The issuance of corporate asset securitization was 88.4 billion yuan, an increase of 195.65%, and it has landed several national pioneering businesses. The scale and quality of Su Yin's financial leasing business remained the top among the ten financial leasing companies established in the same batch.
The bank's wealth management business was stable and standardized. The balance of wealth management assets was 358.8 billion yuan, a slight increase of 3.19% year-on-year, including 99.9 billion yuan for public finance and 258.9 billion yuan for private wealth management. The scale of interbank financial management fell from about 25% to about 3%. The deadline is matched and the structure is continuously optimized. In line with the requirements of the new rules for large capital management, we vigorously promoted the transformation of net worth. We have issued nearly 150 net-value non-guaranteed wealth management products throughout the year, with a total fundraising amount of nearly 30 billion yuan and a balance of more than 10 billion yuan. In 2017, Jiangsu Bank's wealth management business was awarded the “National Banking Financial Management Work Excellent City Commercial Bank†award by the Financial Management Registration and Custody Center. It maintained the first place in the comprehensive evaluation of “Puyi Fortune†City Commercial Bank for 8 consecutive quarters, in the China Banking Association “2016â€. "The Best Comprehensive Financial Management Ability Award", "Best City Business Bank Award", "Best Compliance Award", "Best Transformation Award", "Best in the Year of Commercial Bank Wealth Management Product Issuance Organization and Product Evaluation Results" The Innovation Awards are the five major awards, and the comprehensive financial management ability has entered the top ten in the country, ranking first in the city's business.
The rate of non-performing loans continued to decline, and the basis of asset quality was effectively
The annual report shows that the quality of Jiangsu bank assets continues to improve. From the disclosure data, the non-performing loan ratio was 1.41%, down 0.02 percentage points from the beginning of the year. The ratio of loans and non-performing loans overdue for more than 90 days contracted to less than one, and the scissors gap narrowed by nearly 50 percentage points. The coverage ratio of non-performing loans was 184.25%, an increase of 3.69 percentage points from the beginning of the year. The loan provision rate was 2.60%, up 0.01 percentage points from the beginning of the year, and the ability to make up for expected losses continued to increase.
The Bank's ability to withstand risks has further strengthened, and the potential risk of credit assets has fallen sharply. This is mainly due to the Bank's corporate governance advantages, adherence to quality improvement, internal control, and continuous enhancement of risk management effectiveness. Jiangsu Bank pays close attention to risk management and control in key areas and key links, and effectively implements various risk control objectives; pays close attention to internal control case prevention and always maintains compliance management; pays close attention to technology construction, continuously improves air control system, and adds new credit risk warning signals 51, 62 early warning models, 7 internal control lists, R & D anti-fraud strategy; build a new wind control mode of “traditional risk control + big dataâ€, focusing on internal data and 43 external data such as supervision, industry and commerce, taxation, etc. It is integrated into the self-developed “Linchuang Think Tank†big data technology platform to improve the accuracy and effectiveness of risk management.
In 2018, Jiangsu Bank will conscientiously implement the national policy, fully implement the decision-making arrangements of the Jiangsu Provincial Party Committee and the provincial government, highlight the "high quality", more adapt to the "strong supervision", pay more attention to "de-leverage", and focus more on the "new economy." Adhere to the general tone of steady progress, adhere to the new development concept, closely follow the major contradictions in the society, in accordance with the requirements of high-quality development, systematically promote the work in a coordinated manner, and effectively promote the province's "two The new practice of “Gao Yi Gao†and the construction of “New Fortune and High-Quality†in Jiangsu Province, strive to build a “four-oriented†listed bank, and return the market and investors with better performance.
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