Chongqing Bank achieved operating income of 6.77 billion yuan in the first half of the year, and its net profit increased by 5.2% year-on-year to 2.9 billion yuan. Among them, the proportion of net fee and commission income to operating income has further increased, and the income structure has become more balanced.
At the same time, the Bank maintained a good momentum of deposit growth. The increase in deposits in the first half of the year exceeded that in the whole year of last year, and the increase in corporate deposits ranked first among all commercial banks in Chongqing. The proportion of deposits in the bank's total liabilities also rose to 665,438+0.5%, and the structure continued to be optimized.
It is worth noting that in the first half of the year, A shares of Chongqing Bank were successively increased by northbound funds, with a cumulative net increase of 1 1.26 million shares. In addition, Chongqing Yufu Capital Holding Group, Chongqing Water Conservancy Investment Group and Chongqing Real Estate Group all increased their holdings in the first half of the year.
Deep integration into Chengdu-Chongqing
Construction of Shuangcheng Economic Circle
In the first half of the year, Chongqing Bank fully implemented major national and regional development strategies, actively served the real economy, and its business scale grew steadily.
By the end of June, the bank's total assets reached 663.64 billion yuan, an increase of 7.2% over the beginning of the year; Total loans increased by 6.7% year-on-year to nearly 340 billion yuan. Among them, the increase in medium and long-term loans to the public accounted for more than 60%.
Chongqing Bank said that in the first half of the year, the bank deeply integrated into the construction of Chengdu-Chongqing twin-city economic circle, continued to deepen the adjustment of credit structure, and actively invested resources in "new infrastructure" fields, strategic emerging industries, advanced manufacturing industries and other industries; At the same time, dynamically adjust credit strategies in key areas such as real estate and local government financing platforms, and speed up the retreat of customers in risk areas such as high leverage, "zombie enterprises" and overcapacity.
Among them, based on manufacturing, technology enterprises, modern service industry and modern agriculture, the bank supported the industrial development of the twin-city economic circle and lent nearly 654.38+05 billion yuan to six industrial clusters including equipment manufacturing. Around the three major areas of interconnection, energy infrastructure and water conservancy facilities, we supported the construction of nearly 80 major projects such as Chongqing-Guizhou high-speed railway, Wanzhou airport, cruise home port and western Chongqing water conservancy project.
At the same time, Chongqing Bank continued to expand the supply of high-quality financial resources and promote the high-quality development of services in inclusive finance. In the first half of the year, the Bank set up the batch business agile team of "inclusive finance Department" and inclusive finance Scenarios, and customized the exclusive financial services for inclusive finance customers in batches according to market segments, customer acquisition channels, operation modes and business data.
At the end of June, the bank's national standard loan balance for small and micro enterprises reached 92.33 billion yuan, an increase of 4.42 billion yuan over the beginning of the year; The weighted average interest rate of loans put in that year was 4.8 1%, which was 0.68 percentage points lower than last year.
In addition, as the seventh Equatorial Bank in China, Chongqing Bank is based on the strategic goal of "double carbon" and integrates the concept of sustainable development into the development strategy of the whole bank. By the end of June, the bank's green financial business balance was nearly 28 billion yuan, an increase of 25% compared with the beginning of the year. The bank also actively played the role of multi-system linkage, reached a strategic cooperation with Chongqing Municipal Bureau of Ecology and Environment, and planned to provide 50 billion yuan of financial support for "double carbon" and climate investment and financing projects.
While increasing the credit supply, Chongqing Bank made great efforts to adjust the investment asset structure, reduce the investment in non-standard assets such as asset management plans, and actively allocate high-liquidity and high-quality assets such as government bonds, local government bonds and high-rated credit bonds. At the end of June, the total bond investment of the whole bank rose to 23.9% of the total assets.
In terms of asset quality, the bank strictly identified non-performing loans, and the proportion of loans overdue for more than 90 days fell to 82%. On this basis, the NPL ratio of this bank decreased by 0.0 1 percentage point from the beginning of the year to 1.29%, which is at a good level among listed banks.
In addition, the proportion of interest-related loans of Chongqing Bank also declined, the potential asset quality risks improved, and the provision coverage ratio continued to be higher than 260%, maintaining a good risk prevention capability.
The growth of deposits exceeded the total amount of last year.
On the debt side, Chongqing Bank adhered to the concept of "establishing a bank with deposits", strengthened marketing promotion, technology empowerment and business linkage, and made every effort to help stabilize and increase deposits, thus laying a solid foundation for credit supply.
Among them, large and medium-sized branches of Bank of Chongqing paid close attention to the special marketing of corporate deposits, customized comprehensive service schemes such as capital appreciation, fund management, settlement services and direct financing for customers, and promoted the daily settlement deposits to enter the bank, achieving an increase of 66,543.8 billion yuan in corporate settlement deposits, a year-on-year increase of 1%. Relying on internal and external intelligent tools, Chongqing Bank launched six financial scenarios, including smart education, smart medical care, digital government affairs, transportation, people's livelihood services, and large-scale bidding transactions, realizing financial eco-marketing, closing revenue and expenditure settlement, marketing a total of 300 customers, and driving public deposits to grow by nearly 2 billion yuan.
At the same time, Bank of Chongqing, Bank of China, tapped the potential of inter-bank linkage, deposit-loan linkage and bank-government cooperation, established cooperation channels with the Municipal People's Social Security Bureau, and became the first qualified wage guarantee bank for migrant workers in the city, actively serving the wage management of migrant workers in the city. Bank of Chongqing has also carried out comprehensive cooperation with the Export-Import Bank and China Development Bank, introduced deposits such as fund agents, and provided joint financial services for high-quality enterprises in the fields of biomedicine, people's livelihood materials, bulk raw materials and new energy vehicles, with a cumulative drainage of nearly 2 billion yuan.
On the other hand, the personal line of Chongqing Bank adheres to the empowerment of science and technology, builds a three-dimensional marketing network and online marketing tools, and uses the "Chongqing Le Hui" electronic mall to get customers, live customers and post customers, and carries out colorful marketing activities such as "Happy Month" and "Happiness Accompanied", attracting more than 654.38+million people to participate in the activities. The bank continues to build an online "life circle" for individual customers, and carries out targeted marketing promotion in time-sharing, grouping and classification through customer attributes and consumption habits.
In terms of business linkage, personal lines of Chongqing Bank strengthened public-private linkage, and agencies strived for resources, and issued exclusive salary cards for administrative organs and institutions at all levels and high-quality agency enterprises in Chongqing, adding 23,000 new agency customers. At the same time, we will open up a special area for mobile banking, establish a "purchasing tendency model" and an "expert experience model" based on big data analysis technology, analyze customer behavior data in multiple dimensions, provide differentiated product service solutions for different generations of customers, and enhance the value of customers from generation to generation.
By the end of June, the balance of various deposits in Chongqing Bank reached 376.74 billion yuan, an increase of 1 1.2% compared with the beginning of the year, and the growth rate was nearly six years, which was also higher than the level of last year. The proportion of deposits in total liabilities increased by 2. 1 percentage point compared with the beginning of the year, reaching 6 1.5%, and the debt structure was obviously optimized.
According to statistics, the bank's corporate deposits in the first half of the year increased by 10.5% compared with the beginning of the year, ranking first among all commercial banks in Chongqing. Savings deposits increased by 65,438+02.6%, ranking fourth among Chongqing commercial banks, up two places from the end of last year, and the local market share continued to increase.
The income structure is more balanced
While the on-balance-sheet scale is growing steadily, Chongqing Bank pays attention to giving full play to the advantages of "commercial bank+investment bank", realizing customer orientation, business orientation and investment orientation, and providing customers with comprehensive financial service solutions.
Among them, the bank's bond underwriting business made a new breakthrough, and it was newly qualified as the general underwriter of local debt in Guizhou Province, ranking among the top 50 banks in the new wind underwriting list. According to statistics, in the first half of the year, the bank underwrote and issued 40 Chongqing municipal government bonds and Guizhou provincial government bonds, with a cumulative underwriting share of more than 7 billion yuan; Underwriting 65,438+00 non-financial corporate bond financing instruments, with a cumulative underwriting share exceeding 2 billion yuan.
In addition, the Bank actively participated in the underwriting and issuance of bonds related to national strategic projects such as rural revitalization and science and technology bills, consolidated the achievements of financial poverty alleviation, actively strengthened cooperation with banking institutions and non-banking institutions in Sichuan Province, and provided direct financing services for enterprises in the Chengdu-Chongqing Twin Cities Economic Circle.
In the first half of the year, Chongqing Bank won the honor of "Excellent Evaluation of Financial Institutions Serving Rural Revitalization in 20021Year" from Chongqing Management Department of People's Bank of China and Chongqing Banking Insurance Regulatory Bureau. By the end of June, the bank's balance of agricultural loans was 53.64 billion yuan, an increase of 10% compared with the beginning of the year, which was significantly higher than the loan growth rate of the whole bank, effectively meeting the financing service needs of farmers, family farms, farmers' professional cooperatives, leading enterprises and other agricultural business entities.
On the day when the interim report was released, the Bank also reviewed and approved the Proposal on Reporting Related Matters of Financial Subsidiaries, and planned to set up an asset custody department. According to the disclosure, as of the end of June, the balance of wealth management products of the bank exceeded 53 billion yuan, and the fee income of wealth management business increased by 65,438+03.2% year-on-year, which contributed to a more balanced income structure of the bank.
Bank of Chongqing said that in the first half of the year, on the basis of comprehensive rectification of asset management business, it entered a new stage of net worth management, with stable product management norms, diversified asset investment and rigorous and effective risk control.
In terms of standardized development of wealth management business, the Bank has also provided more product choices for retail customers, pushing wealth management business to a new level. In the first half of the year, the Bank made great efforts to build a wealth management system from two dimensions of products and services, continuously optimized its comprehensive asset allocation service capabilities, and strived to create a brand image of "financial experts around citizens". Specific measures are as follows:
First, continue to optimize the wealth management product system and increase product innovation. The Bank has formed five closed wealth management product series of "Juhui, Jinhui, Cai Hui, Hui Ling and Zunxianghui" and a wealth management product system of "cash management+regular opening" to meet the diversified needs of customers. Continuously optimize the investment service of "Happiness Investment" fund to provide customers with professional and personalized fund portfolio products.
The second is to continue to build a high-quality wealth management service system. Chongqing Bank continues to deepen the hierarchical management of retail customers, deepen the construction of the wealth management center of the head office, and provide exclusive, professional, dedicated and exclusive financial services for high-net-worth customers; Optimize the VIP value-added service system and build a value-added service system centered on VIP travel, medical health and refueling concessions.
"Digital rewiring" is becoming clearer and clearer.
As one of the pioneers of digital transformation, Chongqing Bank continued to implement the strategic tasks of "technology empowerment" and "digital transformation", further clarifying the strategic layout of "1+3+ 10" and the data strategic pattern of "4+6", which pointed out the direction for the bank's financial technology development from a key breakthrough to a comprehensive transformation.
In the first half of the year, the bank continued to recruit financial technology talents and cultivate a digital innovation culture; At the same time, we will comprehensively start the expansion and construction projects of two data centers for disaster recovery in the same city and disaster recovery in different places, study and reserve the construction and operation technology of green intelligent data centers, and consolidate the foundation of financial technology.
In addition, Chongqing Bank continued to carry out research on new technologies, new concepts and new models, promoted the pre-research of cloud computing and distributed database technology, explored new technologies such as reserve privacy computing, quantum security and stream batch integration, expanded the integration and innovation of financial technology and business scenarios, and completed the transformation of many achievements.
Through the organizational transformation and management innovation of digital transformation, the synergistic effect of Chongqing banking business and technology is further revealed, and it plays an agile team role in retail, Pratt & Whitney, credit card and other fields, continuously and rapidly iterating products and services, and "digital re-doing" is becoming increasingly clear.
Among them, in terms of digital credit, the bank has done a solid job in the supply of inclusive digital credit products. Micro Online's main product "Good Enterprise Loan" series has accumulated nearly 30 billion yuan, with a new investment of 5.64 billion yuan in the first half of the year. The NPL ratio continues to be significantly lower than that of similar Pratt & Whitney products.
In terms of digital marketing, based on the digital service capabilities of Yun Fan Operation Platform and Rubik's Cube Intelligent Marking Platform, the bank takes Bashi Smart Bank and Chongqing Yinglian "APP as the main bodies, integrates 93% of the counter business on the mobile exhibition platform, and assists account managers to gain timely insight into marketing opportunities and risk information, so as to better serve customers.
In terms of digital risk control, Chongqing Bank successfully launched the "financial wisdom" function of Fengling intelligent evaluation, completed the construction of "one map and three pillars" system of Fengling intelligent evaluation, accelerated the digital risk control empowerment of internal management such as human resources, anti-money laundering, anti-fraud and finance, and made the intelligent risk control capability more complete.
The continuous advancement of digital innovation has accelerated the atmosphere for Chongqing Bank to learn, understand and apply technology, and deepened the online and offline digital integration operation. In the first half of the year, the bank's online banking service specification was selected as the "leader" list in the field of financial standardization, becoming the only city commercial bank in the west that has been listed for three consecutive years; "Mobile Inclusive Credit Service Based on Quantum Security Technology" was selected into the supervision sandbox of the People's Bank of China, becoming the only bank in China with projects selected every round.
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