Investor.com Ding WANYING

On April 28, the 2021 annual report released by Guiyang Bank (601997. SH) showed that in the past year, the bank adhered to strategic guidance, maintained strategic concentration and steadily improved various business indicators.

By the end of 2021, the total assets of Guiyang bank were 608.687 billion yuan, an increase of 3.05% over the beginning of the year. The balance of various loans was 254.989 billion yuan, an increase of 10.38% over the beginning of the year. The loan growth rate was higher than the asset growth rate, and the asset structure was further optimized.

At the same time, the bank’s profit remained stable, with a revenue of 15.004 billion yuan in 2021; The net profit attributable to the parent company was 6.045 billion yuan, a year-on-year increase of 2.07%; The return on total assets and weighted average return on net assets were 1.04% and 13.34% respectively.

In addition, with years of unremitting efforts, the development of Guiyang bank has been widely recognized by the industry.

In the “2021 Top 1000 global banks ranking” published by the British banker magazine, the ranking of Guiyang bank rose to 232; It was selected into the top 500 global bank brand values in 2021 released by the British brand evaluation agency “brand finance”, ranking 224th; In 2021, the China Banking Association ranked 39th among the top 100 Chinese banks.

Serve the local economy and develop green finance

The Bank of Guiyang was founded in 1997 and its head office is located in Guiyang City, Guizhou Province. It was listed on the Shanghai Stock Exchange in August 2016.

At present, the bank has nine branches in the province and one branch outside the province. Its institutional network has achieved full coverage in 88 counties in Guizhou Province. It has initiated the establishment of Guiyang Guiyin Financial Leasing Co., Ltd. and Guangyuan Guishang village and Town Bank Co., Ltd., initially forming a service network based in Guizhou and radiating the southwest.

As a local bank rooted in Guizhou, Guiyang bank always keeps in mind the mission of financial services to the real economy, integrates its own development into the overall situation of local development, and resonates with the local strategies of Guizhou Province and Guiyang city.

It is understood that the Bank of Guiyang focuses on its main responsibility and business, focuses on the “six stabilities” and “six guarantees”, actively serves the construction of major strategies and major projects in Guizhou Province, issues opinions on the implementation of the five-year action of financial support for “strengthening the provincial capital”, and promotes the accumulation of credit resources in the field of “new industrialization, new urbanization, agricultural modernization and tourism industrialization”. Data show that the balance of the bank’s “four modernizations” construction projects in the whole year was 101.043 billion yuan, an increase of 9.55%.

In the face of the continuous impact of the epidemic, the Bank of Guiyang has actively implemented 20 series of measures to support private enterprises, actively helped enterprises solve difficulties, promoted the smooth implementation of new projects, and improved the quality and efficiency of serving the real economy. At the end of 2021, the bank’s loan balance for private enterprises was 38.435 billion yuan, supporting 2781 private enterprises in total.

In addition, Guiyang bank also actively promoted the effective connection between poverty alleviation achievements and rural revitalization, incorporated serving rural revitalization into the “14th five year plan” strategic development plan, combined with the characteristics of efficient and characteristic agriculture in Guizhou Province and the planning layout of advantageous industries of “one county and one industry”, and focused on supporting twelve industries that combine short and medium term, have a long industrial chain, drive the rapid increase of farmers’ income and sustainable development.

According to the data, at the end of 2021, the balance of agriculture related loans of the bank was 116.011 billion yuan, an increase of 11.139 billion yuan or 10.62% over the beginning of the year, and the balance of Rural Revitalization loans was 29.616 billion yuan, an increase of 4.651 billion yuan or 18.63% over the beginning of the year.

At the same time, adhering to the strategic positioning of “building a green ecological characteristic bank”, focusing on the construction of the green finance reform and innovation pilot zone in Gui’an new area of Guizhou Province, Guiyang bank uses the comprehensive operation advantages of the group to promote the formation of a multi-level and multi-dimensional green finance product system driven by green credit, green bonds and green leasing and supplemented by green development fund, green PPP project and green retail products, Provide accurate and efficient services for green enterprises.

According to the data, the balance of green credit of the bank at the end of 2021 was 22.749 billion yuan, an increase of 3.378 billion yuan or 17.44% over the beginning of the year. The balance of funds raised from the issuance of green financial bonds is 3 billion yuan, involving 26 green projects. The principal balance of green lease of Guiyin financial leasing company, a holding subsidiary, was 14.514 billion yuan, accounting for 53.87%.

Anchor strategic direction and deepen retail transformation

As the year of the new round of five-year strategic planning, in 2021, Guiyang bank adhered to “customer-centered”, introduced the development concept of “full customer”, made breakthroughs in the four key directions of wealth management, inclusive finance, consumer finance and basic retail, deepened the construction of system and mechanism, and strengthened the overall planning and coordination among various business sectors of retail.

Data show that at the end of 2021, the bank had 11.8 million retail customers, an increase of 960000 over the end of the previous year, a year-on-year increase of 8.86%. Mobile banking customers totaled 5.2973 million, an increase of 602100 over the beginning of the year.

It is reported that the Bank of Guiyang adheres to the guidance of “volume increase, area expansion, price reduction and quality improvement”, encourages and guides credit funds to invest in inclusive small and micro enterprises, actively implements the policy of fee reduction and profit sharing, and effectively solves the problem of difficult and expensive financing for enterprises. Data show that at the end of 2021, the bank issued 18.741 billion yuan of new inclusive small and micro enterprise loans, and the average interest rate of new inclusive small and micro enterprise loans decreased by 38 basis points year-on-year.

Focusing on the goal of building the “best wealth management bank” in Guizhou Province and the “wealth management benchmarking City Commercial Bank” in Southwest China, the bank intensively cultivated the regional wealth market, explored the “weak cycle and light capital” wealth management mode for the purpose of “meeting the growing wealth management needs of the people”, and promoted the integration of agile organization, synergy, digital empowerment, ecological scene, open banking and wealth management.

The bank also promoted the digital, scenario and diversified transformation and upgrading of retail business. Through public-private linkage, asset liability linkage and online and offline linkage, the bank created two business cards of “the best wealth management bank” and “the best retail bank to experience”, gradually improved the value-added equity service system of “enjoy” wealth customers, and continued to grow effective retail customers and wealth customers. The balance of savings deposits was 145.174 billion yuan, an increase of 19.89% over the beginning of the year. The proportion of savings deposits in total deposits was 40.35%, an increase of 6.26 over the beginning of the year