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江苏银行葛仁余:算法董事长的“赛点时刻”
阿尔法工场研究院· 2025-08-20 00:04
Core Viewpoint - Jiangsu Bank demonstrates a unique advantage in leveraging technology and speed to drive growth, while digitalization also accelerates the accumulation and manifestation of risks [4][42]. Group 1: Marketing and Digitalization - Jiangsu Bank is the title sponsor of the "Su Super" league, enhancing brand exposure and achieving a continuous rise in stock prices [5][6]. - The bank's mobile app saw over 150,000 downloads on iOS, ranking first among listed banks, with an average daily visit of over 2 million to the event section during the league [6][9]. - The bank has invested significantly in digital finance, supporting its marketing efforts with a robust digital infrastructure [9][10]. Group 2: Digital Services and AI Integration - Jiangsu Bank launched the "Su Yin Jin Guan Jia" cloud financial service platform in 2023, serving nearly 100,000 enterprises by providing integrated and intelligent services [12]. - The "Su Yin e Chain" financial service system, introduced in 2022, has exceeded 200 billion yuan in credit balance by addressing diverse financial needs across various business scenarios [12]. - The bank has developed an AI platform named "Smart Xiao Su," with 176 billion parameters, becoming the first regional bank in China to operationalize a large AI model [13]. Group 3: Leadership and Strategic Direction - Chairman Ge Renyu's technical background has been pivotal in driving Jiangsu Bank's digital transformation, having risen through the ranks from CIO to chairman [10][19]. - Under Ge's leadership, the bank aims to achieve a comprehensive transformation in digital thinking, business development, and commercial models over the next three years [28]. Group 4: Financial Performance - Jiangsu Bank has achieved a compound annual growth rate of 11.16% in operating income and 12.86% in net profit over the past decade, with 2024 showing an 8.78% increase in operating income and a 10.97% increase in net profit [28][30]. Group 5: Risk Management Challenges - The bank faces asset quality pressure, with 14.723 billion yuan in non-performing assets, equivalent to 44.21% of its 2024 net profit [35]. - In 2025, the bank's non-performing loan balance increased by nearly 3 billion yuan, with a noticeable decline in capital adequacy ratios [40]. - Compliance risks have also escalated, with the bank receiving 27 fines totaling over 5 million yuan in 2024 [40].