新平安银行：走不一样的路

New pingan bank: go different way

Flat after deep love "new pingan bank has released the first annual report. In spite of the complex economic situation at home and abroad in 2012, and spreads narrow space, the internal integration of the multiple pressure of challenge, but new pingan bank belongs to the parent company net profit for 2012, 13.403 billion yuan, up 30.39% from a year earlier, above market expectations.

In the annals of pingan bank conference, ping an bank new management team for the first time. In reference to the future development, the rookie Shao Ping pingan bank 4 months of the new President stressed that the development of bank of ping an bank will not copy other mode, the differentiation should be focused on, go to "safe mode".

"Integrated financial" highlighted the positive energy

Obvious, after with two lines of integration, the new peace to trade one of the biggest Banks is "different" integrated financial as well as the resulting integrated business model.

Pingan bank late last year the new head of the (chairman) Sun Jianyi as was put forward, after the new management, according to ping an bank development strategy, in the comprehensive financial construct is different from the trade development mode, to achieve the above market growth.

From the annual report is not hard to find, "integrated financial" in various business, the bank through this unique advantage, the new peace each business bank, especially the core business strategy are full speed.

Pingan bank is the most significant data in 2012 in Rio's rapid growth of the business. Through model optimization and process innovation, all deposits rose 60%, loan growth 120%; Ping an life insurance recommended sales $14.8 billion in bank deposits, bank, ping an trust funds, insurance up to 9.1 billion yuan, 1.3 billion yuan and 1.2 billion yuan respectively, the percentage increase in the overall bank management.

In terms of small business and credit card sales, comprehensive financial platform synergy have also played a part. New card amount 4.49 million, 2012, up 69.26%; Circulation of 11 million copies, the year growth of 22%; Total transaction value of 218.4 billion yuan, up 64.50% from a year earlier, unionpay interbank point-of-sale transactions (prior to the issuing bank) 16 major market share increase obviously.

In addition, as another core business strategy of Banks, small micro finance based on a "comprehensive financial platform" also intensify the channel construction and consolidation, preliminary created life heald billiton, new channels, such as steam melt cross selling business to achieve the "zero breakthrough".

Analysts say that, after successful completion of the integration of two rows of ping an bank's unique "integrated financial advantage is gradually revealed," on the one hand, ping an's comprehensive financial platform in the future will import more high net worth clients to the company; Comprehensive financial for Banks, on the other hand, the original core business of energy in the small business and market share is expected to rapidly promote trade finance, will help ease the marketization of interest rates and financial disintermediation impact on earnings, thus achieve tremendous trade target.

Focused differentiation into the overall acceleration period

Differentiation strategy for the future, Shao Ping view, ping an bank's positioning, and other joint-stock Banks are not the same, also have different target market, strategy and products. Ping an bank will learn from peer excellent management concept, management methods and management ideas, but will eventually form a unique model of peace.

Currently, ping an group, about 70 million individuals, 2 million customers and 500000 sales team. Based on a comprehensive financial platform, ping an bank will be in the brand, customers, channels, products, services, enjoy a more abundant resources, especially in the area of cross selling a distinct advantage, with the full speed development of business, is expected to achieve "a client, a account, multiple products, one-stop service". From this point of view, the "safe mode" is difficult to replicate the uniqueness.

Ping an bank, on the other hand, differentiation strategy, apparently also has "integrated financial" as one of the most important one annulus. Ping an bank, the future it will further promote the depth of the "science and technology" strategy, construction of one-stop integrated financial services platform, building science and technology leading the core competitive ability, enhance the level of profit. At the same time, the bank will use three years time, around the team, products, services, channels, etc., comprehensively strengthen the retail business development, integration of group clients, channels, science and technology resources, development potential retail customers to the greatest extent, set up high-end customer service system, service to win customers by differentiation.

To explore different "safe mode", a new management team is still in exploring new growth engine, in order to achieve the overall acceleration beyond trade. And from science and technology and the power of the web, it is "safe mode" of the differentiation strategy of a big key points.

Unconventional corner overtaking

In distribution network, for example. Finish after the merger, in ping an bank branch has to speed up the pace of expansion. , according to the 2012 annual report data for the site 55, including 1 primary branches, secondary branch 5, otherwise 49 new branches. At present, peace has reached more than 450 bank branches. Although this compared with big line of more than thousands of physical locations, is still far, but network provides a corner overtaking opportunities.

Safe management has said it will adopt a new development path, rather than to simply rely on the traditional physical expansion to solve the above problems. On the one hand, improve the production of a single node, on the other hand to take advantage of modern technology, especially Internet technology, mobile terminal technology to capture new customers demand in the future.

In results briefing, Shao Ping is the truth, "we want to get offline business, all open to online, over the next few years development strategy implementation, largely through online financial implementation. Our framework adjustment, integration of the business, the future development goals, is in this direction. In the near future, you will see the ping an bank in this aspect of business performance."

According to introducing, electronic commerce and network financial will also be pingan bank how important breakthrough in the small business in future.

In the first half of the adjustment of organization structure

In order to achieve the strategic goal of "best commercial Banks", come out is not the same as "safe mode", the new management team has a long way, but also confidence. According to the planning, ping an bank over the next three to five years to joint-stock Banks to enter the second tier, five to eight years into the first tier, eight to ten years is given priority to with the retail business.

Before that, to break the original pattern, carries on the adjustment of organization structure is imperative. Shao Ping introduction, this is ping an bank, a big action, will revolve around "three-step" strategic goal. According to the plan, the bank will launch some customers division, industry division and products division, restructuring function, optimize the function, streamline processes, improve efficiency, and the organic integration of background, in order to realize the specialization and intensive business needs. Consolidation is still in progress.

Pingan bank vice line ChangSunXianLang also said that the New Year, new start new ping an bank will be the all-round management of change. For its weak link, rebuild appraisal incentive mechanism, fully implementing resources investment and profits are tied to output the appraisal mechanism, implement accrual classification management on the allocation of resources, increase deposit growth, institution building, incentives, and incentives for bad assets recovery, etc.

The bank annual report 2012 net profit of thirty percent of the common performance and the "troika" robust growth, has made many financial institutions have said in the comprehensive financial future prospects. Maybe the difference of the "safe mode", it is a long way but one always lets a person full of daydream, and look forward to a good start.

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