＂Financial Analysis＂ Everbright Bank’s 2023 performance Direct strike： Credit delivery forward actively exerting data element value value

Xinhua Finance, Beijing, March 28 (Reporter Wu Congshi) Everbright Bank released the 2023 annual report on the 27th showing that the bank’s operating income last year was 145.685 billion yuan, a year -on -year decrease of 3.92%; net profit of home mother was 41076 billion yuan, a year -on -year decrease of 8.80 year -on -year%.

In this regard, Everbright Bank Management stated at the performance conference on the 28th that in order to consolidate the foundation of high -quality development and strengthen risk prevention and control in key areas, the bank has increased the efforts of allocation and enhance the disposal of the stock risk. Although the short -term profitability is short -term, although the short -term profitabilityIt is affected by some, but long -term profitability is guaranteed.

新华财经注意到，光大银行正着力以数字化转型为路径打开业务局面，2023年该行围绕新一期科技战略规划，积极推进业务与科技深度融合，开展战略性重点科技项目建设，推进数据治理和Data asset value creation.Not long ago, the “Banking Data Asset Valuation Guide” group standards led by Everbright Bank were officially released.

Increased the efforts of the preparation to take forward to support the real economy

According to incomplete statistics from Xinhua Finance, as of March 28, 19 banks have disclosed the 2023 annual report or performance express report.Among them, state -owned banks and shareholding revenue, which have been approved or disclosed in pre -approval or disclosure, generally have a negative growth, and the revenue of most urban commercial banks still maintain positive growth.

Although Everbright Bank’s operating income decreased by 3.92%year -on -year last year, in the fourth quarter of last year, the bank’s operating income decreased by 2.62%year -on -year, a significant narrowing from the first three quarters.

From the perspective of income structure, Everbright Bank’s interest net income of 2023 was 107.480 billion yuan, a year -on -year decrease of 5.43%; the fees and net commission revenue was 23.698 billion yuan, a year -on -year decrease of 11.39%.

In addition, Everbright Bank increased its efforts last year, and the loss of asset impairment increased by 2.96% year -on -year.

“In the past year, we insisted on taking control of control risks as the eternal theme of financial work. Increased the efforts of allocation and consolidating the foundation of asset quality management and control.” Wang Zhiheng, president of Everbright Bank, said in his speechMaintain stable, the non -performing loan rate continues to be 1.25%, and the overdue rate has decreased compared to the end of the last year.

As of the end of 2023, the total assets of Everbright Bank reached 6.77 trillion yuan, an increase of 7.5%year -on -year; of which, the total loan was 3787 billion yuan, an increase of 214.7 billion yuan from the end of the previous year, an increase of 6.0%.The total liabilities were 6218 billion yuan, an increase of 427.5 billion yuan from the end of the previous year, an increase of 7.4%.

Xinhua Finance has noticed that the increase in loans in China Everbright Bank in key areas is significantly higher than the increase in general loans.As of the end of 2023, Everbright Bank’s scientific and technological enterprise loans increased by 89.8 billion yuan compared with the end of the previous year, an increase of 50.6%; “specialized new” corporate loans increased by 24.3 billion yuan from the end of the previous year, an increase of 44.2%; strategic emerging industry loans compared to the end of the previous year, compared with the end of the previous yearIncreased by 70.5 billion yuan, an increase of 46.7%.

The bank’s manufacturing loan increased by 97.4 billion yuan at the end of the previous year, an increase of 24.7%; the medium- and long -term loans of the manufacturing industry increased by 74.3 billion yuan from the end of the previous year, an increase of 38.3%.

The bank’s green loan increased by 114.5 billion yuan at the end of the previous year, an increase of 57.4%. Among them, the clean energy industry loan increased by 31.8 billion yuan from the end of the previous year, an increase of 102%; green credit accounted for 8.3%, an increase of 2.7 percentage points from the end of the previous year.

The bank’s inclusive small and micro enterprise loans increased by 73.8 billion yuan from the end of the previous year, an increase of 24.2%.The agricultural loan increased by 35.5 billion yuan from the end of the previous year, an increase of 8.6%.Private enterprise loans increased by 99.9 billion yuan from the end of the previous year, an increase of 14.3%.

In addition, the bank is 1.87 trillion yuan in six key areas including Beijing -Tianjin -Hebei, Yangtze River Delta, Guangdong -Hong Kong -Macao Greater Bay Area, the Yangtze River Economic Belt, Ecological Protection of the Yellow River Basin, and Hainan Free Trade Port.The increase of over 180 billion yuan, an increase of 11%.

Wu Lijun, chairman of Everbright Bank, said in a speech in the annual report that the bank insisted on serving the real economy as the fundamental purpose, and relying on to ensure that the loan is growing steadily.

Strengthen data asset management to play data element value value

According to the 2023 annual report of Everbright Bank, the bank continued to implement the three -in -one digital optical strategic framework of the three -in -one digital light of the “entire strategic planning, digital transformation plan, science and technology strategic planning” last year to deepen the development systemEffects, strengthen the construction of talent teams.

Data show that in 2023, Guangda Bank’s Bank of Science and Technology invested 5.815 billion yuan, accounting for 3.99%of operating income.As of the end of 2023, there were 3,685 scientific and technological staff of Everbright Bank, an increase of 473 over the previous year, accounting for 7.74%of the employees.

It is worth noting that the bank adjusted and constructed the “two ministrys and two centers” fintech operation systems consisting of the Ministry of Fintech, Data Asset Management, Science and Technology R & D Center, and Intelligent Operations Center last year.Not long ago, the “Guidelines for the Valuation of the Banking Data Assets” issued by the China Banking Association’s “Guidelines for Data Assets” was led by Everbright Bank.

It is reported that the guide is to solve problems such as the difficulty of measurement of data asset value of commercial banks, providing reference for the realization of the comprehensive and quantitative value of commercial bank data assets, improving the refined management level of data assets, and various management decisions, and promoting the scientific and orderly development of the data factor market.

“In the era of the digital economy, data has become a key production element that drives the high -quality development of the economy, and it has become an important asset of enterprises and individuals.” Yang Bingbing, deputy governor of Everbright Bank, said that in terms of data factor innovationThe path of research, practice, standards and commercialization has steadily advanced.

According to reports, Everbright Bank released the research results of the “Enterprise Data Resource Accounting Implementation Plan” and “Research Research Research Research Research Research Research Research Research Research Research Research Research Research Report”.Several and expensive cooperation agreements have signed cooperation agreements to carry out data asset -increasing financing business practices in Shenzhen, Shanghai, Guiyang and other branches.

In addition, in terms of data asset governance, Everbright Bank continues to promote the construction of data standard quality integration, complete more than 100 index data standards such as inclusive finance, green finance, and technology finance, and the comprehensive score of data quality has increased by 4.62 points year -on -year.

In terms of data security management, the bank adheres to the management mechanism that promotes the combination of data security and business scenarios, and completes the data security impact assessment of more than 300 key business scenarios.

In terms of data platform construction, the bank has established a normalized cost reduction management mechanism to drive the compression and incremental control of stock data with technological innovation; strengthen the construction of enterprise -level data, and efficiently support business scenarios such as light -speed loan and debit card deposit products marketing.Essence

In terms of data analysis, the bank establishes the certification and appointment mechanism of data analysts throughout the bank. More than 3,000 people participate in the certification examination, and formally appoint nearly 700 data analysts; establish special marketing for intelligent retail lines;The special analysis directly drives the rapid payment transaction volume to increase by more than 10 billion yuan.

The relevant person in charge of Everbright Bank stated that the bank will follow the country with the state as the top -level design of data as the top -level production factors, strengthen the development and practice of data factor market standards, and continue to carry out the development of relevant industry standards for financial metadays.Provide reference and landing standards and experiences for the circulation of data factor markets, accelerate the pace of market -oriented marketization of data to explore the marketization of data, and help the digital transformation of enterprises.

Edit: Xing Sisha