Viewing operations through financial reports: How Everbright Bank builds momentum and potential

How does Everbright Bank use特色业务 to resist行业压力?

Currently, banks are gradually disclosing their operating performance. Amid the overall pressure on the banking industry and the cyclical challenge of narrowing net interest margins, Everbright Bank’s performance in 2025 is also affected. However, a closer look reveals that its structural data exhibits a characteristic that is markedly different from the industry average fluctuations, which should not be overlooked.

In 2025, Everbright Bank’s cloud payment services reached 3.67B transactions for the year, wealth management product management scale surged by 21.7% to 1.95 trillion yuan, retail customer AUM rose to 3.15 trillion yuan, additionally, proactive reduction of discounting scale by 44.9%, growth in loans to tech-based enterprises by 10.17%, and over 80% improvement in online approval efficiency for corporate inclusive services…

“Not solely focusing on scale, not competing on speed, not vying for rankings, focusing on key areas and key tracks to optimize asset structure, enhancing bulk customer acquisition and source fund inflow capabilities, and steadily growing asset and liability scales.” Everbright Bank President Hao Cheng’s words reveal a nearly restrained banking management philosophy.

In the context of the industry’s widespread anxiety over scale and involvement in price competition, maintaining a clear strategic focus, concentrating on key areas, and staying committed—this management philosophy, performance outlook, and risk perspective are precisely a rare strength.

Strategic Focus on Six Major特色业务 Clusters

“Not solely focusing on scale, not competing on speed, not vying for rankings,” “focusing on main business, improving governance, developing in a differentiated manner”… Combined with performance data, these all point to the same conclusion: Everbright Bank’s strategic path is undergoing profound and significant adjustments—anchoring limited resources on the directions that best showcase its inherent strengths and growth advantages, aiming to upgrade and strengthen the entire driving system’s “North Star.”

In fact, at the operational level of specific业务, Everbright Bank is also transforming its “differentiated,特色化” strategy into perceptible and accumulative market competitiveness, initiating a flywheel effect for特色业务 growth.

Relying on the group’s comprehensive financial services and years of accumulated experience, Everbright Bank has carefully developed six特色集群: “Sunshine Tech Innovation, Sunshine Wealth, Cloud Payment, Sunshine Cross-Bayment, Sunshine Investment Banking, Sunshine Financial Markets.”

Among them, “Sunshine Tech Innovation”特色业务, serves “the needs of the country” with “Everbright’s capabilities.” It builds a特色业务 supported by “strong service, strong products, strong ecosystem, strong research, and strong digital intelligence.” It establishes a “1+16+100” specialized organizational system for科技金融. Centered around “stocks, loans, bonds, trusts, private” comprehensive scenarios, it launches特色产品 for科技金融. It also builds a科技金融生态圈. Focusing on strategic emerging industries and future industries, it promotes stable growth of loans in key tracks such as integrated circuits and computing power industries.

“Sunshine Wealth”特色业务 aims to establish a “trustworthy, more professional” wealth management brand image. By the end of 2025, retail customer AUM reached 3.15 trillion yuan, a 6.6% increase from the beginning of the year; wealth management product management scale reached 1.95 trillion yuan, a 21.7% increase.

“Cloud Payment”特色业务, with an industry-leading open convenient payment platform, provides accessible, intelligent, inclusive金融 products through an open and adaptive service model, building an integrated “life + finance” service ecosystem. By the end of 2025, it had integrated 19.7k projects, a 9.41% increase from the start of the year; output to 913 platforms, a 3.75% increase; total payment transactions reached 19.5k, a 7.88% increase; payment amount was 979.3 billion yuan, an 8.31% increase. Among these, electricity bill collection achieved nationwide county coverage, with water, gas, and heating bill collection services covering over 70% of counties.

“Sunshine Cross-Bayment”特色业务, deepens supply chain finance, cross-border业务, cash management, and other areas, building a “Sunshine交易+” comprehensive金融服务平台. It extends financial services to upstream and downstream based on quality core enterprises, serving over 20k supply chain clients, with supply chain financing exceeding 31.5k yuan, and providing a suite of services including international settlement, cross-border financing, foreign currency deposits and loans, and foreign exchange assets, with a credit balance of 25.4 billion yuan for “Belt and Road” projects.

“Sunshine Investment Banking”特色业务, leverages the characteristics of light-capital, light-asset, innovative, and flexible investment banking, creating差异化竞争优势 through core业务 such as bond underwriting, M&A financing, syndicate loans, intermediary matchmaking, and equity financing. In 2025, it underwrote bonds worth 412.8 billion yuan, provided 27.5 billion yuan in M&A loans, and issued 21.6 billion yuan in trust asset securitization projects.

“Sunshine Financial Markets”特色业务, focuses on “stable allocation, active trading, increasing代理客户, and strengthening risk control” to improve resource allocation efficiency. It deepens cooperation with peers through co-building an interbank生态圈, centered on “Sunshine Tech Innovation + Interbank Finance,” signing 195 new clients for the “Sunshine Interbank Platform,” with a total GMV of 3.5 trillion yuan.

These six业务 are not isolated but form a three-dimensional生态网络: “Sunshine Tech Innovation” attracts and deposits high-value科技企业客户, who need services from “Sunshine Investment Banking” such as bond underwriting and M&A; these clients also generate demand for “Sunshine Cross-Bayment” in supply chain and cash management; ultimately, their企业主 and employees, as clients, naturally access “Sunshine Wealth” wealth management and “Cloud Payment” convenient scenarios.

The data for 2025 is a testament to this flywheel’s efficient operation: tech loans grew by 10.17%, cloud payment transactions reached 8B, wealth management scale surged by 21.7% to 1.95 trillion yuan, retail AUM rose to 3.15 trillion yuan. Behind each data point is a process of customer activation and retention within the flywheel effect. The essence of特色业务 is to build a high-value network that not only generates current income but also continuously accumulates valuable customer data, relationship assets, and brand recognition, laying a solid and differentiated foundation for long-term sustainable growth.

Strategic Investment in Technology and Risk Control

Risk prevention is the eternal theme of banking operations. A forward-looking, proactive, intelligent, and全链条 risk防控机制 is an indispensable safety barrier for a稳健 and far-reaching动力系统. Everbright Bank attaches great importance to this in promoting the flywheel’s efficient operation.

Over the past year, Everbright Bank further strengthened its comprehensive risk management mechanism through forward planning, source control, systematic排查, and timely处置, maintaining overall non-performing asset generation at a stable level.

In the corporate领域, the overall scale of non-performing assets has decreased compared to last year. In key corporate areas, it has increased efforts to clear real estate stock risks, steadily and orderly推进平台化债, and implement non-performing loan extensions for micro and small enterprises. It actively adopts集中度管控, large exposure穿透,预警监测, and主动退出 measures to strengthen主动管理 of existing assets. In new credit management, it optimizes credit结构 through the “Four Strategies in One” (industry guidance, marketing guidance, approval guidance, whitelist), reducing risk generation. The results are明显.

In retail, focusing on key areas such as real estate loans and credit card-based消费信贷, dedicated teams and mechanisms have been established, resources tilted, and multiple measures taken to strengthen管理 and化解, yielding positive results. On one hand, strict access controls are enforced, with differentiated entry strategies based on regional selection, customer评级, and抵押率管理, along with enhanced due diligence and anti-fraud measures, and规范合作机构管理 to control new risks from the source. On the other hand, dedicated teams coordinate and supplement resources,完善贷后全流程管理体系. In risk防控, a “防、拦、催、引、疏” five-layer屏障 has been established; in模式创新, efforts include increasing催收调和 and exploring various房产处置模式; in resource allocation, human and financial resources are increased.

Going forward, Everbright Bank will continue to tighten access controls and集中度管控, further提升全面风险管理能力, focus on key risk防控 areas, and adhere to the principles of “strictly controlling增量, properly handling存量, and preventing爆雷,” to守住风险底线. This is the fundamental confidence behind Everbright Bank’s开启飞轮效应 on its differentiated path.

The efficiency and安全 of the flywheel’s operation require智能护航 and科技赋能. Over the past year, Everbright Bank has concentrated its金融科技 resources on key areas, using科技 to empower the transformation of the entire业务. In 2025, annual科技投入 accounted for over 5% of operating income, reflecting the bank’s emphasis on科技 in推进差异化战略 and ensuring the flywheel’s high efficiency.

In terms of科技投入, Everbright Bank rejects blind expansion, instead focusing on “computing power, algorithms, data, and functions” as four core elements. The iconic “9×10”智能助手矩阵 covers 9 types of岗位 with 10 general capabilities.

For example, the corporate客户经理助手 has generated over 37,000智能报告, covering all流程 from credit pre-marketing, pre-loan investigation, to post-loan management, greatly reducing the workload of客户经理.

This is not just hype but a real restructuring of production processes: the efficiency of online审批 for普惠 loans has increased by over 80%, and the implementation cycle for供应链项目 has been significantly compressed. Meanwhile,科技力量 has also deeply integrated into risk control, enabling online operations for催收任务生成,跟踪, and记录, further improving业务效率 and风险管控能力, allowing traditional banks to easily突破 growth bottlenecks through efficiency gains.

All these breakthroughs and vitality are inseparable from strategic anchoring. The power of strategic anchoring nurtures创新 in特色业务, safeguards risk management底线, and empowers the深度应用 of科技.

Based on the “Everbright Bank 14th Five-Year Strategy,” the bank recently solicited broad opinions and drafted the initial version of the “Everbright Bank 15th Five-Year Strategy Plan,”坚定坚持错位发展, fully developing特色业务 such as Sunshine Tech Innovation, Sunshine Wealth, Everbright Cloud Payment, Sunshine Cross-Bayment, Sunshine Investment Banking, and Sunshine Financial Markets, enhancing comprehensive金融服务能力 and competitive优势, and further strengthening digital化赋能, customer综合经营,全面风险管理,精细化管理服务, corporate governance, and team专业能力.

Looking ahead, the development of a nonlinear growth curve and the release of flywheel benefits require time validation, but also rely on strategic focus and firm strategic resolve. Everbright Bank’s future lies not in the old path of scale expansion but in the continuous release of structural特色能力. This is the confidence and hope for navigating long cycles, combating uncertainties, and ultimately achieving sustainable value growth.

(This article does not constitute any investment advice; information disclosure is based on company announcements. Investors operate at their own risk.)

Editor | Meng Jintao

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