1. Scale of hengfeng bank Company
By the end of 22, hengfeng bank's total assets exceeded 1.11 trillion yuan, its operating income reached 21.28 billion yuan, up 53% year-on-year, its net profit reached 5.3 billion yuan, up 73% year-on-year, and its comprehensive strength, core competitiveness and brand influence were greatly improved. At the same time, hengfeng bank's asset quality indicators have been continuously improved. By the end of 22, the bank's provision coverage ratio was 15.37%, up 29.54% from the end of 219. The non-performing loan ratio decreased by .71 percentage points compared with the end of 219, achieving a decline for two consecutive years, and the ability to resist risks continued to increase.
Second, hengfeng bank's industry ranking
The British "Banker" magazine published the list of the top 1, banks in the world in 221, and hengfeng bank's global ranking rose to 135th, jumping 27 places from the previous year.
iii. hengfeng bank's business scope
RMB deposits; Issue short-,medium-and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Inter-bank lending; Provide letter of credit service and guarantee; Acting as an agent to receive and pay money; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange lending; Acceptance and discount of foreign exchange bills; Foreign exchange loan; Foreign exchange guarantee; Issuing and acting as an agent to issue securities in foreign currencies other than stocks; Buying and selling foreign currency securities other than stocks and acting as an agent; Self-operated foreign exchange trading; Foreign exchange trading on behalf of customers; Credit investigation, consultation and witness business.
IV. hengfeng bank's characteristic business
1. Corporate finance
Insist on practicing the new development concept and serving the real economy. In recent years, we have continuously strengthened our own capacity building, are determined to reform and innovate, actively seek characteristic management and digital transformation around the goal of high-quality development, and make new breakthroughs in many fields such as green finance, rural revitalization, advantageous manufacturing, health, culture and education, and around industrial chains, industrial clusters, parks and platform enterprises. Create a characteristic professional product system, build a digital agile service platform, introduce big data technology, explore the implementation of the credit factory model, and strive to provide professional, digital and differentiated comprehensive financial service solutions for corporate customers.
2. inclusive finance
focused on small and micro, science and technology innovation, agriculture-related and other key areas, focused on key customer groups such as upstream and downstream of core enterprises, industrial parks, well-known information platforms, government procurement suppliers and risk sharing funds, and strengthened product and service model innovation, and successively launched products such as "talent loan", "science and technology innovation loan" and "benefiting farmers loan" to meet the diversified financial service needs of Pratt & Whitney customers and promote the sustainable development of inclusive finance business.
conscientiously implement the spirit of various meetings and major decision-making arrangements for the work of agriculture, rural areas and farmers, fully promote the innovation of agricultural products and services, and strive to open up the last mile of financial services; Building a "one circle, one chain and one platform", taking the demonstration park of integration of three industries as the starting point, exploring a new path of financial services for rural revitalization; Create a one-stop agriculture-related service platform for "smart villages" and empower rural revitalization with financial technology.
3. In terms of asset management business
hengfeng bank's wealth management product system is divided into eight series, namely, Zengxiang, Hengyou, Hengxin, Fengli, Fengcai, Fengyi, Fengshi and Fengying, and some open products, which are cash, fixed-income, mixed, equity, alternative and others. At present, the products on sale include Zengxiang, Hengyou, Perseverance and Fengli series, as well as open products such as Hengmeng wallet, Zengying and Fortune Express.