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农行济南济北开发区支行:温情助老,暖意在窗口流淌
Qi Lu Wan Bao· 2025-08-15 03:13
Core Viewpoint - The article highlights a heartwarming scene at Agricultural Bank of China (ABC) where a customer service manager, Liu Ping, assists an elderly man unfamiliar with the remittance process, showcasing the bank's commitment to customer service and warmth in financial transactions [1] Group 1: Customer Service Experience - Liu Ping noticed an elderly man struggling with the remittance process and proactively offered assistance, demonstrating attentive customer service [1] - The interaction involved Liu Ping explaining each step of the process slowly and ensuring the elderly man understood before moving on, reflecting a patient approach to customer care [1] - Other staff members were also ready to assist, creating a supportive environment in the busy bank [1] Group 2: Company Philosophy - Agricultural Bank of China emphasizes a service philosophy that combines patience and warmth, aiming to transform cold business processes into meaningful customer experiences [1] - The successful completion of the transaction left the elderly man grateful, illustrating the positive impact of personalized service on customer satisfaction [1]
利润下跌超142%,南京银行个人银行业务缘何由盈转亏
3 6 Ke· 2025-04-30 11:01
Core Viewpoint - Nanjing Bank reported significant growth in revenue and net profit, with total revenue increasing by 11.32% to 50.273 billion yuan and net profit rising by 9.05% to 20.177 billion yuan, despite challenges in personal banking profitability [1][2]. Financial Performance - Total assets reached 2.5914 trillion yuan, an increase of 303.12 billion yuan, representing a growth of 13.25% [1]. - Total loans grew at a double-digit rate, with corporate loans at 936.204 billion yuan (up 14.86%) and retail loans at 320.194 billion yuan (up 12.75%) [1]. - Non-interest income rose to 23.646 billion yuan, a year-on-year increase of 19.98%, accounting for 47.04% of total revenue [5]. Personal Banking Challenges - Personal banking profits turned to a loss of 1.199 billion yuan, a decline of over 142% compared to the previous year's profit of 2.848 billion yuan [2]. - Operating expenses for personal banking increased by nearly 43%, from 9.616 billion yuan to 13.743 billion yuan [2]. - Net income from fees and commissions shifted from 447 million yuan to a loss of 1.059 billion yuan, a drop of over 337% [2]. Asset Quality Management - The non-performing loan (NPL) ratio for personal loans was 1.29%, a decrease of 0.21 percentage points from the previous year [3]. - The bank's strategy includes optimizing retail asset management and enhancing the quality of retail loans [3]. Investment Strategy - Financial investment scale increased by approximately 1.1 trillion yuan, with an 11% growth [4]. - Investment income was 1.318 billion yuan, down 8.08%, while fair value changes yielded 7.377 billion yuan, up 329.48% [5]. - The bank's proactive strategy involved adjusting operations to seek excess returns and managing market fluctuations effectively [6].