[强]-To The Moon - Tiger Brokers Online Investing Community

Like
Comment
Favorite

李李符
2020-04-12

[强]

Bank of Jiangsu's net profit in 2019 was 14.96 billion, and the scale efficiency of smart retail reached a new high

在过去的2019年，江苏银行取得令人艳羡的成绩，营收净利润双位数增长，资产质量进一步夯实。与此同时，公司深耕本土，对公业务卓有成效；深化零售转型，业务规模、效益实现双突破。2019年是江苏银行新一轮五

Bank of Jiangsu's net profit in 2019 was 14.96 billion, and the scale efficiency of smart retail reached a new high

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Report

Comment

Top
Latest

No comments yet

Most Discussed

{"i18n":{"language":"en_US"},"data":{"magic":2,"id":928886902,"tweetId":"928886902","gmtCreate":1586653245806,"gmtModify":1705301639891,"author":{"id":3498644606033549,"idStr":"3498644606033549","authorId":3498644606033549,"authorIdStr":"3498644606033549","name":"李李符","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":20,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body>[强]&nbsp;</body></html>","htmlText":"<html><head></head><body>[强]&nbsp;</body></html>","text":"[强]","highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://ttm.financial/post/928886902","repostId":2026266861,"repostType":2,"repost":{"id":"2026266861","kind":"news","pubTimestamp":1586597857,"share":"https://ttm.financial/m/news/2026266861?lang=en_US&edition=fundamental","pubTime":"2020-04-11 17:37","market":"sh","language":"zh","title":"Bank of Jiangsu's net profit in 2019 was 14.96 billion, and the scale efficiency of smart retail reached a new high","url":"https://stock-news.laohu8.com/highlight/detail?id=2026266861","media":"野马财经","summary":"在过去的2019年，江苏银行取得令人艳羡的成绩，营收净利润双位数增长，资产质量进一步夯实。与此同时，公司深耕本土，对公业务卓有成效；深化零售转型，业务规模、效益实现双突破。2019年是江苏银行新一轮五","content":"<html><body><article><img src=\"https://fid-75186.picgzc.qpic.cn/20200411174128112v235xgodmds0f1a\"/>In the past 2019,<a href=\"https://laohu8.com/S/600919\">Bank of Jiangsu</a>Achieved enviable results, double-digit growth in revenue and net profit, and further consolidated asset quality.At the same time, the company is deeply involved in the local area and has achieved fruitful results in corporate business; Deepen the transformation of retail sales, and achieve double breakthroughs in business scale and efficiency.2019 is the year when Bank of Jiangsu's new round of five-year development strategic plan begins to be implemented. Focusing on\"Intelligent, characteristic, international and comprehensive\"The Bank served the strategic vision of leading banks, actively adapted to changes in the situation, adjusted business strategies in a timely manner, and steadily expanded various businesses. As of the end of 2019, the group's total assets were 2.07 trillion yuan, a year-on-year increase of 7.23%; Various deposits were 1.21 trillion yuan, a year-on-year increase of 10.27%; Various loans amounted to 1.04 trillion yuan, a year-on-year increase of 17.01%.The Group achieved operating income of 44.974 billion yuan throughout the year, a year-on-year increase of 27.68%; Net profit was 14.960 billion yuan, a year-on-year increase of 12.80%;The net profit attributable to shareholders of listed companies was 14.619 billion yuan, a year-on-year increase of 11.89%; Basic earnings per share were 1.18 yuan. By optimizing the business structure and continuously improving the operating efficiency, credit assets accounted for 50% at the end of 2019.Breakthroughs have been made in the retail business, with retail loan balances accounting for more than 1/3 and savings deposits accounting for more than 1/4.The large asset management business is growing well, the underwriting amount of debt financing instruments has increased by 85%, the custody scale of Public Offering of Fund has grown rapidly, and non-interest income accounts for more than 40% of operating income.Deeply cultivate the local area and help small and micro enterprisesIn 2019, the Company continued to increase its support for manufacturing and green industries, and vigorously promoted supply chain finance, cash management, electronic banking and other businesses; Efforts should be made to solve the financing difficulties and expensive problems of small and micro enterprises and private enterprises; Closely combine with national and regional development strategies, and support \"the belt and road initiative\" enterprises to go global and the coordinated development of the Yangtze River Delta integration region. As of the end of 2019, the company's deposit balance was 780.2 billion yuan, a year-on-year increase of 8.34%; The balance of corporate loans was 572.4 billion yuan, a year-on-year increase of 7.70%. The balance of manufacturing loans in the province is 108.9 billion yuan, and advanced manufacturing loans account for over 40% of all manufacturing industries; At the same time, the brand of Equator Bank was built, with a green credit balance of 86 billion yuan, accounting for 12.9% of corporate loans; The monthly average daily deposit balance of trading banks was 80.1 billion yuan, an increase of 17.79% over the beginning of the year; The business volume of supply chain finance was 21.7 billion yuan, an increase of 37.1% over the beginning of the year. The number of small and micro enterprise loan customers is 41,217, with a balance of 396.7 billion yuan, of which the loan balance of small and micro enterprises with a total credit of 10 million yuan or less per household is 65.8 billion yuan, achieving \"two increases and two controls\". The loan balance of private enterprises was 347.4 billion yuan, accounting for 42.3% of the increase. \"Tax e-financing\" online loan products have served 31,000 small and micro enterprises in total, with a loan amount of 54.4 billion yuan. Relying on big data and artificial intelligence technology, we independently developed the \"Golden Eye\" risk control system, and further improved our comprehensive service and intelligent risk control capabilities.<img src=\"https://fid-75186.picgzc.qpic.cn/20200411174128961v235ukamv3qr6xa\"/>The international settlement volume was 112 billion US dollars, and the cross-border investment and financing business volume was 31.7 billion yuan.Innovatively launched products such as \"Cross-border e-point\" wealth version and \"Cross-border trade e-pool\", and landed 40 \"the belt and road initiative\" projects, covering more than 20 countries and regions along the route.The total assets of the free trade zone business were 33.63 billion yuan, an increase of 70% over the beginning of the year, and the deposit balance was 30.7 billion yuan, an increase of 81% over the beginning of the year. For the tenth consecutive year, Jiangsu Branch of the State Administration of Foreign Exchange has been rated as a Class A bank in the assessment of the implementation of foreign exchange management regulations by designated banks within its jurisdiction.It is worth noting that in addition to lending, Bank of Jiangsu also innovatively uses a variety of financial instruments to serve the real economy.The amount of lead underwriting of debt financing instruments increased by 23.935 billion yuan compared with 2018, the market share continued to increase, and the linkage with debt, custody and other businesses was further strengthened; As the sponsor, the company issued three tranches of credit asset-backed securities, with a total issuance scale of 4.974 billion yuan.Deepening Retail TransformationBank of Jiangsu closely adheres to the strategic goal of \"expanding retail business and deepening customer management\", adheres to customer-centeredness, and continues to further promote the optimization of business structure; Give full play to the leading role of science and technology, continuously deepen the transformation and development of \"smart retail\", both online and offline wings fly together, and achieve historical breakthroughs in the scale and efficiency of retail financial business.As of the end of 2019,Retail deposits were 293.5 billion yuan, a year-on-year increase of 35.92%; The balance of retail loans was 375.9 billion yuan, a year-on-year increase of 38.96%.By continuously optimizing customer base management, innovating customer service models, promoting community management and overseas study services, deepening corporate investor services, innovatively establishing Yuanrong Entrepreneur College, and actively promoting family trust business to \"capture\" a number of high-net-worth customers. In 2019, the number of wealth customers increased by 16.79% compared with the beginning of the year, the number of private banking customers increased by 22.18% compared with the beginning of the year, and the total number of wealth and private customers exceeded 40,000. Awarded<a href=\"https://laohu8.com/S/601988\">BANK OF CHINA</a>\"China's Best Regional Private Bank\", \"Business Breakthrough Award\" and other awards from the industry association. In terms of credit cards, Bank of Jiangsu cooperated with the comprehensive consumption scenario platform to launch co-branded credit cards, continuously enriched the credit card product system, launched ETC projects, further promoted the application of big data and customer life cycle management, and improved cross-linkage and precise marketing capabilities. A total of 3.08 million credit cards were issued, a year-on-year increase of 85.61%, the overdraft balance of credit cards was 18.3 billion yuan, a year-on-year increase of 15.23%, and the non-performing rate of credit card business was 1.34%, a year-on-year decrease of 0.29 percentage points. At the same time, with the help of financial technology, we made full use of technologies such as the Internet, big data, artificial intelligence, biometric and image recognition, launched version 5.0 of mobile banking and upgraded version 5.0 of direct banking, realized the \"card-free\" business of branch counters and smart counters, opened up the dual platforms of \"PC + mini program\", and continuously expanded the ecosystem of online retail application scenarios; With the help of artificial intelligence and other technologies, the deployment of Internet anti-fraud continues to be accelerated, and the operation of online finance is safe and stable. The total number of mobile banking customers has exceeded 7 million. According to statistics from third-party organizations,The number of monthly active customers ranked first among city commercial banks, and the cumulative transaction amount during the year exceeded 2 trillion yuan; Direct selling banks ranked first in the 2019 ranking of direct selling banks in the banking industry published by Internet Weekly, Chinese Academy of Sciences.Smart use of innovative capital business to reduce debt costsBank of Jiangsu strives to improve its investment, research and trading capabilities, strengthen the coordinated development of peers, and continuously improve the system construction. The role of treasury business in serving the overall development and expanding new growth points continues to appear, and its market position continues to improve.By closely monitoring market changes, flexibly adjusting trading strategies, and making full use of product instruments such as repurchase, issuance of interbank certificates of deposit, precious metals and foreign exchange derivatives, the Bank effectively reduced liability costs.By the end of 2019, the cash bond trading volume of Bank of Jiangsu was close to 6 trillion yuan, a year-on-year increase of 2.38 times, and the market activity and influence were greatly improved. Successfully issued 10 billion yuan of green financial bonds and 20 billion yuan of secondary capital bonds. The Bank proactively adjusted the variety structure of interbank business, improved various systems and business processes, and strengthened the in-depth operation of interbank customers around interbank investment and financing, direct discount and rediscount of bills, three-party depository and financial bond underwriting. Upgrade the Ronglian Innovation • Financial Industry Cooperation Platform to attract quality members. Obtained the qualification of bill brokerage business, and further demonstrated the advantages of discount and standardized bill business. Relying on the big data platform, the Bank established and improved the early warning function of interbank customers and interbank business systems to effectively prevent risks.<img src=\"https://fid-75186.picgzc.qpic.cn/20200411174130256v235eqwtit2zxl2\"/>Efforts were made to strengthen market research, further promote product transformation, and continuously improve the full asset allocation ability. 2,368 wealth management products were issued, including a series of net value products such as \"Rongxiang\", \"Ronghe\", \"Rongda\" and \"Ronghui Cash\" designed and issued in accordance with the requirements of the new asset management regulations, with a cumulative raised amount of 579.8 billion yuan. The existing scale of financial products is 372.9 billion yuan, and net worth products account for more than 50%. It has been awarded the first place among domestic city commercial banks in the \"Comprehensive Asset Management Capability Evaluation\" of \"Puyi Standard\" for 16 consecutive quarters.In December 2019, the company's wealth management subsidiary was approved for establishment.Adhering to the main line of \"collaborative marketing, intelligent systems and value-added services\", the Bank strengthened forward-looking research on policies and seized new markets and opportunities, and achieved good development results in the asset custody business. The assets under custody increased by 13.88% compared with the beginning of the year, ranking first among city commercial banks in scale, and the cumulative income from custody intermediary business was 469 million yuan.<img src=\"https://fid-75186.picgzc.qpic.cn/20200411174137936v235cyvrh2293x6\"/><img src=\"https://fid-75186.picgzc.qpic.cn/20200411174140344v2355j47o4xt0se\"/><img src=\"https://fid-75186.picgzc.qpic.cn/20200411174140856v235585ppp6k349\"/></article></body></html>","source":"tencent","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Bank of Jiangsu's net profit in 2019 was 14.96 billion, and the scale efficiency of smart retail reached a new high</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBank of Jiangsu's net profit in 2019 was 14.96 billion, and the scale efficiency of smart retail reached a new high\n</h2>\n<h4 class=\"meta\">\n\n野马财经2020-04-11 17:37\n\n</h4>\n</header>\n<article>\n<html><body><article><img src=\"https://fid-75186.picgzc.qpic.cn/20200411174128112v235xgodmds0f1a\"/>In the past 2019,<a href=\"https://laohu8.com/S/600919\">Bank of Jiangsu</a>Achieved enviable results, double-digit growth in revenue and net profit, and further consolidated asset quality.At the same time, the company is deeply involved in the local area and has achieved fruitful results in corporate business; Deepen the transformation of retail sales, and achieve double breakthroughs in business scale and efficiency.2019 is the year when Bank of Jiangsu's new round of five-year development strategic plan begins to be implemented. Focusing on\"Intelligent, characteristic, international and comprehensive\"The Bank served the strategic vision of leading banks, actively adapted to changes in the situation, adjusted business strategies in a timely manner, and steadily expanded various businesses. As of the end of 2019, the group's total assets were 2.07 trillion yuan, a year-on-year increase of 7.23%; Various deposits were 1.21 trillion yuan, a year-on-year increase of 10.27%; Various loans amounted to 1.04 trillion yuan, a year-on-year increase of 17.01%.The Group achieved operating income of 44.974 billion yuan throughout the year, a year-on-year increase of 27.68%; Net profit was 14.960 billion yuan, a year-on-year increase of 12.80%;The net profit attributable to shareholders of listed companies was 14.619 billion yuan, a year-on-year increase of 11.89%; Basic earnings per share were 1.18 yuan. By optimizing the business structure and continuously improving the operating efficiency, credit assets accounted for 50% at the end of 2019.Breakthroughs have been made in the retail business, with retail loan balances accounting for more than 1/3 and savings deposits accounting for more than 1/4.The large asset management business is growing well, the underwriting amount of debt financing instruments has increased by 85%, the custody scale of Public Offering of Fund has grown rapidly, and non-interest income accounts for more than 40% of operating income.Deeply cultivate the local area and help small and micro enterprisesIn 2019, the Company continued to increase its support for manufacturing and green industries, and vigorously promoted supply chain finance, cash management, electronic banking and other businesses; Efforts should be made to solve the financing difficulties and expensive problems of small and micro enterprises and private enterprises; Closely combine with national and regional development strategies, and support \"the belt and road initiative\" enterprises to go global and the coordinated development of the Yangtze River Delta integration region. As of the end of 2019, the company's deposit balance was 780.2 billion yuan, a year-on-year increase of 8.34%; The balance of corporate loans was 572.4 billion yuan, a year-on-year increase of 7.70%. The balance of manufacturing loans in the province is 108.9 billion yuan, and advanced manufacturing loans account for over 40% of all manufacturing industries; At the same time, the brand of Equator Bank was built, with a green credit balance of 86 billion yuan, accounting for 12.9% of corporate loans; The monthly average daily deposit balance of trading banks was 80.1 billion yuan, an increase of 17.79% over the beginning of the year; The business volume of supply chain finance was 21.7 billion yuan, an increase of 37.1% over the beginning of the year. The number of small and micro enterprise loan customers is 41,217, with a balance of 396.7 billion yuan, of which the loan balance of small and micro enterprises with a total credit of 10 million yuan or less per household is 65.8 billion yuan, achieving \"two increases and two controls\". The loan balance of private enterprises was 347.4 billion yuan, accounting for 42.3% of the increase. \"Tax e-financing\" online loan products have served 31,000 small and micro enterprises in total, with a loan amount of 54.4 billion yuan. Relying on big data and artificial intelligence technology, we independently developed the \"Golden Eye\" risk control system, and further improved our comprehensive service and intelligent risk control capabilities.<img src=\"https://fid-75186.picgzc.qpic.cn/20200411174128961v235ukamv3qr6xa\"/>The international settlement volume was 112 billion US dollars, and the cross-border investment and financing business volume was 31.7 billion yuan.Innovatively launched products such as \"Cross-border e-point\" wealth version and \"Cross-border trade e-pool\", and landed 40 \"the belt and road initiative\" projects, covering more than 20 countries and regions along the route.The total assets of the free trade zone business were 33.63 billion yuan, an increase of 70% over the beginning of the year, and the deposit balance was 30.7 billion yuan, an increase of 81% over the beginning of the year. For the tenth consecutive year, Jiangsu Branch of the State Administration of Foreign Exchange has been rated as a Class A bank in the assessment of the implementation of foreign exchange management regulations by designated banks within its jurisdiction.It is worth noting that in addition to lending, Bank of Jiangsu also innovatively uses a variety of financial instruments to serve the real economy.The amount of lead underwriting of debt financing instruments increased by 23.935 billion yuan compared with 2018, the market share continued to increase, and the linkage with debt, custody and other businesses was further strengthened; As the sponsor, the company issued three tranches of credit asset-backed securities, with a total issuance scale of 4.974 billion yuan.Deepening Retail TransformationBank of Jiangsu closely adheres to the strategic goal of \"expanding retail business and deepening customer management\", adheres to customer-centeredness, and continues to further promote the optimization of business structure; Give full play to the leading role of science and technology, continuously deepen the transformation and development of \"smart retail\", both online and offline wings fly together, and achieve historical breakthroughs in the scale and efficiency of retail financial business.As of the end of 2019,Retail deposits were 293.5 billion yuan, a year-on-year increase of 35.92%; The balance of retail loans was 375.9 billion yuan, a year-on-year increase of 38.96%.By continuously optimizing customer base management, innovating customer service models, promoting community management and overseas study services, deepening corporate investor services, innovatively establishing Yuanrong Entrepreneur College, and actively promoting family trust business to \"capture\" a number of high-net-worth customers. In 2019, the number of wealth customers increased by 16.79% compared with the beginning of the year, the number of private banking customers increased by 22.18% compared with the beginning of the year, and the total number of wealth and private customers exceeded 40,000. Awarded<a href=\"https://laohu8.com/S/601988\">BANK OF CHINA</a>\"China's Best Regional Private Bank\", \"Business Breakthrough Award\" and other awards from the industry association. In terms of credit cards, Bank of Jiangsu cooperated with the comprehensive consumption scenario platform to launch co-branded credit cards, continuously enriched the credit card product system, launched ETC projects, further promoted the application of big data and customer life cycle management, and improved cross-linkage and precise marketing capabilities. A total of 3.08 million credit cards were issued, a year-on-year increase of 85.61%, the overdraft balance of credit cards was 18.3 billion yuan, a year-on-year increase of 15.23%, and the non-performing rate of credit card business was 1.34%, a year-on-year decrease of 0.29 percentage points. At the same time, with the help of financial technology, we made full use of technologies such as the Internet, big data, artificial intelligence, biometric and image recognition, launched version 5.0 of mobile banking and upgraded version 5.0 of direct banking, realized the \"card-free\" business of branch counters and smart counters, opened up the dual platforms of \"PC + mini program\", and continuously expanded the ecosystem of online retail application scenarios; With the help of artificial intelligence and other technologies, the deployment of Internet anti-fraud continues to be accelerated, and the operation of online finance is safe and stable. The total number of mobile banking customers has exceeded 7 million. According to statistics from third-party organizations,The number of monthly active customers ranked first among city commercial banks, and the cumulative transaction amount during the year exceeded 2 trillion yuan; Direct selling banks ranked first in the 2019 ranking of direct selling banks in the banking industry published by Internet Weekly, Chinese Academy of Sciences.Smart use of innovative capital business to reduce debt costsBank of Jiangsu strives to improve its investment, research and trading capabilities, strengthen the coordinated development of peers, and continuously improve the system construction. The role of treasury business in serving the overall development and expanding new growth points continues to appear, and its market position continues to improve.By closely monitoring market changes, flexibly adjusting trading strategies, and making full use of product instruments such as repurchase, issuance of interbank certificates of deposit, precious metals and foreign exchange derivatives, the Bank effectively reduced liability costs.By the end of 2019, the cash bond trading volume of Bank of Jiangsu was close to 6 trillion yuan, a year-on-year increase of 2.38 times, and the market activity and influence were greatly improved. Successfully issued 10 billion yuan of green financial bonds and 20 billion yuan of secondary capital bonds. The Bank proactively adjusted the variety structure of interbank business, improved various systems and business processes, and strengthened the in-depth operation of interbank customers around interbank investment and financing, direct discount and rediscount of bills, three-party depository and financial bond underwriting. Upgrade the Ronglian Innovation • Financial Industry Cooperation Platform to attract quality members. Obtained the qualification of bill brokerage business, and further demonstrated the advantages of discount and standardized bill business. Relying on the big data platform, the Bank established and improved the early warning function of interbank customers and interbank business systems to effectively prevent risks.<img src=\"https://fid-75186.picgzc.qpic.cn/20200411174130256v235eqwtit2zxl2\"/>Efforts were made to strengthen market research, further promote product transformation, and continuously improve the full asset allocation ability. 2,368 wealth management products were issued, including a series of net value products such as \"Rongxiang\", \"Ronghe\", \"Rongda\" and \"Ronghui Cash\" designed and issued in accordance with the requirements of the new asset management regulations, with a cumulative raised amount of 579.8 billion yuan. The existing scale of financial products is 372.9 billion yuan, and net worth products account for more than 50%. It has been awarded the first place among domestic city commercial banks in the \"Comprehensive Asset Management Capability Evaluation\" of \"Puyi Standard\" for 16 consecutive quarters.In December 2019, the company's wealth management subsidiary was approved for establishment.Adhering to the main line of \"collaborative marketing, intelligent systems and value-added services\", the Bank strengthened forward-looking research on policies and seized new markets and opportunities, and achieved good development results in the asset custody business. The assets under custody increased by 13.88% compared with the beginning of the year, ranking first among city commercial banks in scale, and the cumulative income from custody intermediary business was 469 million yuan.<img src=\"https://fid-75186.picgzc.qpic.cn/20200411174137936v235cyvrh2293x6\"/><img src=\"https://fid-75186.picgzc.qpic.cn/20200411174140344v2355j47o4xt0se\"/><img src=\"https://fid-75186.picgzc.qpic.cn/20200411174140856v235585ppp6k349\"/></article></body></html>\n<div class=\"bt-text\">\n\n\n source：<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN2020041117414279c76c3a&s=b\">野马财经</a>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/f5d015cecb7c07cac91ad41d21b12463","relate_stocks":{"600919":"江苏银行"},"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN2020041117414279c76c3a&s=b","is_english":false,"share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","article_id":"2026266861","content_text":"在过去的2019年，江苏银行取得令人艳羡的成绩，营收净利润双位数增长，资产质量进一步夯实。与此同时，公司深耕本土，对公业务卓有成效；深化零售转型，业务规模、效益实现双突破。2019年是江苏银行新一轮五年发展战略规划起步实施之年，围绕“智慧化、特色化、国际化、综合化”服务领先银行的战略愿景，积极顺应形势变化，适时调整经营策略，稳步拓展各项业务。截止2019年末，集团资产总额2.07万亿元，同比增长7.23%；各项存款1.21万亿元，同比增长10.27%；各项贷款1.04万亿元，同比增长17.01%。全年集团实现营业收入449.74亿元，同比增长27.68%；净利润149.60亿元，同比增长12.80%；归属于上市公司股东的净利润146.19亿元，同比增长11.89%；基本每股收益1.18元。通过优化业务结构，不断提高经营效益，2019年年末信贷资产占比50%。零售业务取得突破，零售贷款余额占比超1/3，储蓄存款占比超1/4。大资管业务增势良好，债务融资工具承销额增长85%，公募基金托管规模快速增长，非息收入占营业收入比例超过40%。深耕本土，助力小微2019年，公司持续加大对制造业、绿色产业等领域支持，大力推进供应链金融、现金管理、电子银行等业务；着力解决小微、民营企业融资难、融资贵问题；紧密结合国家和区域发展战略，支持“一带一路”企业走出去、长三角一体化区域协同发展。截止2019年末，公司存款余额7802亿元，同比增长8.34%；公司贷款余额5724亿元，同比增长7.70%。省内制造业贷款余额1089亿元，先进制造业贷款占全部制造业的比重超40%；同时打造赤道银行品牌，绿色信贷余额860亿元，占对公贷款比例为12.9%；交易银行月日均存款余额801亿元，较年初增长17.79%；供应链金融业务量217亿元，较年初增长37.1%。小微企业贷款客户数41217户，余额3967亿元，其中单户授信总额1000万元及以下小微企业贷款余额658亿元，实现“两增两控”。民营企业贷款余额3474亿元，新增占比42.3%。“税e融”网贷产品累计服务小微企业3.1万户、放款金额544亿元。依托大数据和人工智能技术，自主研发“黄金眼”风控系统，综合服务、智慧风控能力进一步提升。国际结算量1120亿美元，跨境投融资业务量317亿元，创新推出“跨境e点通”财富版、“跨境贸e池”等产品，落地“一带一路”项目40个，涵盖沿线超20个国家和地区。自贸区业务总资产336.3亿元，较年初增长70%，存款余额307亿元，较年初增长81%。连续第十年在国家外汇管理局江苏省分局对辖内指定银行执行外汇管理规定情况考核中被评为A类行。值得注意的是，除了放贷，江苏银行还创新性运用多种金融工具服务实体经济，债务融资工具主承销金额较2018年增加239.35亿元，市场份额持续提升，与负债、托管等业务之间的联动进一步加强；公司作为发起机构发行了三期信贷资产支持证券，发行总规模合计49.74亿元。深化零售转型江苏银行紧扣“做大零售业务，深化客户经营”这一战略目标，坚持以客户为中心，持续深入推进业务结构优化；充分发挥科技引领作用，不断深化“智慧零售”转型发展，线上线下两翼齐飞，零售金融业务规模、效益实现历史新突破。截止2019年末，零售存款2935亿元，同比增长35.92%；零售贷款余额3759亿元，同比增长38.96%。通过不断优化客群经营，创新客户服务模式，推进社区经营、出国留学服务，深化企投家服务，创新成立圆融企业家学院，积极推进家族信托业务“俘获”了一批高净值客户。2019年财富客户数较年初增长16.79%，私行客户较年初增长22.18%，财私客户总数突破4万户。获评中国银行业协会“中国最佳区域私人银行”、“业务突破奖”等奖项。信用卡方面，江苏银行与综合消费场景平台合作推出联名信用卡，不断丰富信用卡产品体系，上线ETC项目，深入推进大数据运用和客户生命周期管理，提升交叉联动和精准营销能力。信用卡累计发卡308万张，同比增长85.61%，信用卡透支余额183亿元，同比增长15.23%，信用卡业务不良率1.34%，同比下降0.29个百分点。与此同时，在金融科技的助力下充分运用互联网、大数据、人工智能、生物与图像识别等技术，推出手机银行5.0版、直销银行5.0升级版，实现网点柜面、智能柜台“无卡”办业务，开放以“PC+小程序”双平台，持续拓展线上零售应用场景生态圈；借助人工智能等技术持续加快互联网反欺诈部署，网络金融运行安全稳健。手机银行总客户数突破700万户，据第三方机构统计，月活客户数排名城商行第一位，年内累计交易金额超过2万亿元；直销银行在中科院《互联网周刊》发布的2019年度银行业直销银行排名中，位列第一。巧用创新资金业务降负债成本江苏银行着力提升投研交易能力，强化同业协同发展，持续完善系统建设，资金业务服务全局发展、拓展新增长点的作用持续显现，市场地位不断提升。通过密切关注市场变化，灵活调整交易策略，充分运用回购、同业存单发行、贵金属及外汇衍生品等产品工具，有效降低负债成本。截止2019年末，江苏银行现券成交量接近6万亿元，同比增长2.38倍，市场活跃度、影响力大幅提升。成功发行100亿元绿色金融债与200亿元二级资本债。主动调整同业业务品种结构，完善各项制度和业务流程，围绕同业投融资、票据直贴及转贴、三方存管、金融债承销强化同业客户的深度经营。升级融联创•金融同业合作平台，吸纳优质成员。取得票据经纪业务资格，贴现通和标准化票据业务优势进一步彰显。依托大数据平台，建立完善同业客户和同业业务系统预警功能，有效防范风险。着力加强市场研究，深入推进产品转型，全资产配置能力不断提升。发行理财产品2368款，其中包括根据资管新规要求设计发行的“融享”、“融和”、“融达”、“融汇现金”等系列净值型产品，累计募集金额5798亿元。理财产品存续规模3729亿元，净值型产品占比超过50%。连续十六个季度获评《普益标准》“资产管理综合能力评价”国内城商行第一名。2019年12月，公司理财子公司获批筹建。坚持以“协同式营销、智慧化系统、增值型服务”为主线，强化对政策的前瞻研究，抢抓新市场、新机遇，资产托管业务取得了较好的发展成效。托管资产较年初增长13.88%，规模居城商行第一，累计实现托管中间业务收入4.69亿元。","news_type":1,"symbols_score_info":{"600919":1}},"isVote":1,"tweetType":1,"viewCount":1810,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":4,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}