As of July 6th, 211, the cumulative number of credit cards issued by China Everbright Bank exceeded 1 million, making it the first camp in the domestic credit card industry.
The credit card business of China Everbright Bank started in 24, and it is one of the earliest joint-stock commercial banks in China. Since the card was issued, the Credit Card Center of China Everbright Bank has been adhering to the tenet of "customer-centered" and rooted in the traditional culture of China. By promoting product innovation and improving service quality, it has promoted brand management, achieved large-scale development, finally established its comparative advantages in various market segments, embarked on a unique credit card management road, and achieved impressive results in a short period of seven years.
based on the core values of "gratitude, innovation and * * * win", China Everbright Bank Credit Card has continuously innovated its business model, established a scientific decision support system based on data warehouse and taking business intelligence as its core for the first time in China, and used advanced data warehouse, data mining, OLAP (online analytical processing) and decision support technology. Through customer value stratification, customer life cycle management plan, marketing activity management platform and other projects and various forecasting models, The customer's transaction behavior and value are subdivided, and the products such as UnionPay Platinum Card and VISA Unlimited Card are introduced first, and the mobile phone dynamic password verification method is pioneered. By improving the value-added service, network service, telephone service, repayment service and card service, the differentiated service system for customers with Pujin Card, Titanium Card, Platinum Card and Unlimited Card is formed.
in p>21, the bank pioneered the deposit-loan integrated card in the world, which marked the birth of a truly integrated debit card and credit card product, and achieved great success in creating a credit card with China characteristics with "new ideas, new models and new standards", once again leading the development of credit card industry in China.
China Everbright Bank is a medium-sized bank with excellent quality.
in p>29, non-interest income accounted for nearly 2%, only lower than investment promotion and people's livelihood. Retail banking will develop rapidly. In 29, its cost-to-income ratio was 39.3%, which was only higher than that of Pudong Development Bank and Xingye, and China Everbright Bank was competitive in cost control.
Its NPL ratio is relatively high, which was 1.25% in 29, only lower than that of Huaxia. The risks of its real estate industry and local financing platforms are controllable.
The most well-known brand of China Everbright Bank is Sunshine Finance. In 29, the fee income of wealth management business was 676 million yuan, with a compound growth rate of 89.6% in the past three years. The suspension of bank-trust cooperation has little impact on its wealth management business and net profit.
China Everbright Bank put forward the cultural concept of "creating value through effective risk management", and has set up a comprehensive risk management framework. Risk management is divided into two lines, with a risk director stationed in the business line, and each department in the risk line has its own responsibilities to control various specific risks. With the improvement of risk management ability, Everbright will improve the ratio of income and risk.
on March 28th, 215, China everbright bank was formally split, and its wealth management business will set up a wholly-owned subsidiary.