Group 1 - The "Jiangsu Bank Cup" real estate agent finals were successfully held in Changzhou, showcasing the new landscape of Jiangsu's real estate service industry with 65 agents from 13 cities competing [1] - The competition aimed to enhance professional skills through a multi-dimensional format including theoretical assessments, case analyses, and live presentations, setting a new benchmark for talent cultivation in the industry [2] - The event attracted nearly 1,000 participants since July, with 65 top performers selected for the finals, highlighting the industry's commitment to improving service quality [2] Group 2 - Jiangsu Bank utilized digital tools to enhance event efficiency, implementing an online platform that facilitated the entire process from registration to voting, resulting in over 160,000 online votes during the event [3] - The bank has provided housing financial services to over 480,000 families, with a mortgage balance of 255.5 billion yuan, and has developed two key service systems to streamline the loan process [4] - The successful hosting of the competition reflects the efforts of Jiangsu's housing authority to regulate the real estate agency industry and improve service standards, while also demonstrating Jiangsu Bank's commitment to supporting the sector's sustainable development [4]

Core Insights - The personal financial business has become a key competitive area for banks as they pursue high-quality development in the financial industry [1] - Jiangsu Bank has reported impressive growth in retail deposits and loans, with retail deposit balance reaching 822.9 billion yuan, a 16.21% increase year-on-year, and retail loan balance at 674.8 billion yuan, a 3.40% increase year-on-year [1] Group 1: Personal Financial Services - Jiangsu Bank focuses on customer needs, utilizing strong data and intelligent analysis to create a "layered + categorized" precise service system, effectively tailoring financial solutions for clients [2] - The bank has launched the "Enterprise Investor" comprehensive service brand to cater to entrepreneurs' needs, achieving an annual growth rate of over 20% in private wealth clients and assets [2][3] - Jiangsu Bank's personal financial business has been recognized with the "Shanghai Securities Financial Management" 2024 Annual Bank Wealth Management Brand Award, highlighting its professional capabilities [3] Group 2: Consumer Activation Initiatives - Jiangsu Bank has launched a 2025 consumption stimulation initiative with 20 measures aimed at revitalizing the consumer market, including a "Home Renovation Subsidy" service [4] - The bank has implemented various regional consumer benefit actions, serving over 57,000 people across multiple cities with initiatives like electric bicycle trade-in subsidies and housing purchase subsidies [5] Group 3: Financial and Non-Financial Ecosystem - Jiangsu Bank is building an "8+1" smart scene ecosystem by integrating cutting-edge technologies like big data and AI into various life scenarios, including healthcare and cultural tourism [7] - The "Credit Medical" service allows patients to receive treatment without upfront payment at over 200 partner hospitals, enhancing the healthcare experience [7] - The bank's upgraded App 10.0 version has over 7 million monthly active users, providing personalized financial services and enhancing customer engagement [8]

Core Viewpoint - Jiangsu Bank's Xuzhou Branch is committed to the mission of "finance for the people," focusing on building a comprehensive, long-term personal financial service system through "full customer base, full product range, and full channels" Group 1: Customer-Centric Services - The bank emphasizes a customer-centric approach, creating a comprehensive financial service system tailored to different asset scales, risk preferences, and financial needs [3] - For payroll clients, the bank offers exclusive rights and product packages, providing low-risk investment options and one-stop personal credit services [3] - The bank has launched a unique pension account service that covers various products, with over 60,000 accounts opened [3] Group 2: Diverse Product Offerings - Jiangsu Bank has developed an open product shelf with nearly 10,000 products across deposits, wealth management, funds, insurance, and trusts, enhancing asset allocation efficiency [4] - The bank introduced the "Su Yin Jin Xuan" fund selection brand, which has outperformed market indices, further enriching its wealth management offerings [4] Group 3: Technology and Experience Enhancement - The bank is creating a "financial + scenario" smart ecosystem by integrating online and offline services, enhancing customer experience through various lifestyle scenarios [5] - The bank's mobile app has been upgraded to version 10.0, incorporating nine major scenarios to provide comprehensive financial and non-financial services [5] - The bank has launched community marketing initiatives, collaborating with local merchants to offer discounts and promotions, thereby creating a "financial + life" closed loop [5]