On March 22, CITIC Bank held a 2023 annual performance conference. According to the annual report disclosure and performance conference, in 2023, CITIC Bank’s credit card in depth implementation of the development goal of the “first strategy of retail”, adhere to customer orientation, value -oriented, realize operations operationsSteady performance.As of the end of the reporting period, CITIC Bank credit card issued a total of 115.5206 million cards, an increase of 8.37%over the end of the previous year; credit card loan balance was 5,20.691 billion yuan, an increase of 10.224 billion yuan from the end of the previous year; credit card transaction volume was 27.9995 billion yuan; the credit card business revenue was 59.421 billion yuan.

　　In October 2023, the Central Financial Work Conference proposed that it is necessary to accelerate the construction of a strong financial country and do a good job in five major articles on science and technology finance, green finance, pension finance, inclusive finance, and digital finance.This year, the “five major articles” wrote to the government work report for the first time, and made specific deployment of the Central Financial Work Conference on the strategy of building a financial power.

　　In this context, CITIC Bank gives full play to the positive role of credit cards in the national policy of “expanding domestic demand, promoting consumption, and benefiting the people’s livelihood”, in -depth promotion of ecological operations, accelerating digital transformation, building a differentiated service advantage, leading green financial innovation innovationPractice the brand’s claim of “making wealth with temperature” and comprehensively promote high -quality and sustainable development.

　　Build a new vitality of unbounded ecology to stimulate consumption.

　　In 2023, the Central Economic Work Conference regarded “focusing on expanding domestic demand” as a key task of work.Consumption of living services such as tourism, catering, etc., accelerate the recovery of consumption, strengthen the support of finance in the consumer field, and continue to improve the consumer environment.

　　Credit cards, as financial products that integrate consumer credit and payment, have widely served various consumer scenarios of card holders, and have become an important “booster” that stimulate my country’s consumer vitality.In 2023, CITIC Bank’s credit card actively responded to national policies, exerted the advantages of retail fusion of the whole bank, adhered to the ecological operations of unbounded openness, and comprehensively met financial needs such as convenient payment and consumer credit for users.

　　At the ecological level of the product, CITIC Bank Credit Card has established a card product system covering high -end, business travel, women, and young core customer bases. So far, more than 200 credit card products have been developed and listed and listed, and the cumulative card issuance has exceeded 115 million.Among them, in 2023, the bank conducted in -depth research on young people’s financial services and completed the construction of young customer base operation systems.During the reporting period, CITIC Bank’s “Yan Card” series of credit cards developed around the consumer demand of young people was 1.914 million, a year -on -year increase of 68.10%.For the young customer group in the workplace, the bank launched the “i card” product to provide younger workplace providing exclusive credit policies and younger rights services including fitness, workplace courses, and video and video members.The first Platinum Card in Life is the first choice.For the majority of female customers, upgrade CITIC Bank’s magic card product rights and interests, and improve the consumption experience of female users.Facing high -net -worth private bank customers and international students, in 2023, CITIC Bank first issued the “Juvenile theme Credit Card” to create a one -stop financial service experience covering international students from going abroad to returning home.feature.

　　At the ecological level of the alliance, CITIC Bank Credit Card and head platform enterprise to carry out ecological business cooperation.In terms of product research and development, it continuously enriches and improves the joint card product system, and new products cooperate with companies such as Meituan, Metro, Douyin, Star Charging and other new products; in terms of platform operation, build the head platform alliance ecology to achieve breakthroughs in the ecology of the head platform allianceProgress, in 2023, with platform companies such as Meituan, Ant, Xiaohongshu, to create a business ecology that integrates customer acquisition, payment, and installment; in terms of online payment ecosystem, it surrounds UnionPay, WeChat, Alipay, JD.com, Meituan, Meituan, Douyin, Pinduoduo and other key payment channels, carry out precise transaction promotion, and promote online transactions to a new level.

　　At the ecological level of the scene, CITIC Bank credit card complies with the trend of consumption quality and capacity, and focuses on the diversified consumption needs of users, comprehensively deploy the online and offline consumption payment scenarios, launch cross -border consumption preferential activities, and use financial forces to stimulate new vitality of consumption.In 2023, CITIC Bank’s credit card upgrade special brand activities “9 sharing”, “9 yuan enjoy”, “wonderful 365”, comprehensively promote offline scene construction, set up special features around people’s livelihood consumption scenes such as catering, supermarkets, and refuelingMerchant ecology, the event covers more than 180,000 stores across the country, and the consumer value of people’s livelihood consumer value merchants transactions reached 885.465 billion yuan.At the same time, the bank played the financial advantages of abroad, laid out cross -border consumption scenarios, and created activities such as the “Global Consumption Season” and “Cashback of overseas transactions”.

　　Deepen the integration of retail to achieve a breakthrough in scale innovation

　　During the reporting period, CITIC Bank’s credit card was deeply integrated into the “new retail” development of the entire bank.”Main Services” and other aspects of customer relationship positioning, deepen retail integration, and obtain innovation breakthroughs in the scale of credit card acquisition and consumer finance business.Among them, in terms of customer acquisition, the bank’s credit card has built a high -quality customer acquisition system of sub -centers, branches, and online channels.In terms of, the high -end customer service system of private banks -a credit card high -end customer service system realizes two -way transformation and comprehensive operation of customers.

　　At the same time, focusing on customer consumer credit needs, CITIC Bank’s credit card continues to enrich the consumer financial product matrix. By strengthening Alipay, Tenpay and other external platforms, deepen the CITIC Bank’s mobile banking APP “borrowing money” channel operation to achieve the increase in the installment of credit card bills;By creating the national territorial installment direct investment model, the “second growth curve” of consumer installment business is created.

　　Accelerate the new upgrade of scientific and technological innovation drive digitization

　　With the advent of the digital age and artificial intelligence technology, digital technology has continued to innovate.CITIC Bank’s credit card accelerate the application of fintech landing, integrates the overall digital transformation of the entire bank, build a customer -centric operating strategy matrix, realize the global operation and quantitative operations under data drive, and accelerate digital transformation in the dimensions of channels, operations, services, and other dimensions., Comprehensively improve the quality of financial services.

　　In terms of channel digitalization, CITIC Bank Credit Card builds an open customer service platform to build omni -channel, full product, and full customer base with digital technology, integrate services, transactions, marketing, and risk control to improve the digitalization level of the bank’s financial services.At the same time, the construction of a full -process SOP system for customers operate, effectively drives customers’ activity and transaction improvement.

　　In terms of digitalization of operations, build a customer digital capacity base, draw precise portraits of customer base, and create a number of intelligent customer business capabilities; consolidate digital basic capabilities and autonomous controlling, continue to promote the process of localization of the core system of credit cards; Building user experience, corporate micro -operations, and merchant operations over 100 digital native toolboxes, improve the speed and differentiated accurate marketing capabilities of scene channels, and empower the digital operation of credit cards.

　　In terms of digitalization, CITIC Bank Credit Card Construction Enterprise Micro -Customer Operation Platform is built to build intelligent customer contact ecology.At the moment when the mobile Internet and smartphones are popularized, mobile terminals represented by mobile phone APP have become an important carrier of financial services, the core position of banking users and providing financial services.In 2023, CITIC Bank’s Credit Card’s Card Space APP 10.0 Renewal upgrade, guided by “core card service”, optimized user service scenarios, expanded consumer life ecology, created a “financial+life” one -stop smart platform, upgradedDynamic card space app elder version, expand the use of debit card users, integrate dual card user repayment processes and experiences, and comprehensively improve the service temperature.As of the end of the reporting period, the Card Space APP launched a monthly living user of 19.8758 million households.

　　Lead green finance to expand green low -carbon ecology

　　In March of this year, the government work report proposed the key task of “strengthening the construction of ecological civilization and promoting the development of green and low -carbon”, which further clarified the path of green development.As one of the “five big articles”, green finance is an important part of the construction of ecological civilization. It is also one of the focus of the financial industry.Responsible for important mission.In 2023, CITIC Bank’s credit card continued to lead green financial innovation, contributed CITIC forces to the environment and society, and helped the country’s “double carbon” strategy.

　　CITIC Bank Credit Card actively participates in the construction of the bank’s carbon account standard. As the first domestic personal carbon emission reduction account led by banks, the “CITIC Carbon Account” measures personal carbon reduction displacement in scientific methods to achieve digitalization and visualization of green low carbon behavior., Asset -oriented and value.As of the end of the reporting period, the “CITIC Carbon Account” has supported the opening of the public, and has achieved a total of 13 financial scenarios and the carbon reduction displacement of low -carbon consumption scenarios. It actively guides the public’s green consumption transformation.The emission reduction exceeds 10,000 tons, and the project has won a number of honors such as “2023 banking ESG Green Financial model cases”.

　　At the same time, the bank took the “CITIC Carbon Account” as a carrier, and the members of the “Green · Xin · Hui” low -carbon ecological platform set up the members of the “Green · Huihui” low -carbon ecological platform have further expanded to 23. The joint platform partners will launch the green consumption system to cover green new energy, green green, green green, green green, green green, green, green, greenConsumer life scenes such as travel, green recycling, green reading, green digital services, green catering, etc., make the green low -carbon lifestyle incorporate into the daily life of consumers.At the same time, CITIC Bank Credit Card and China UnionPay jointly launched the industry’s first “Carbon Account Interoperability System”, which opened up the “CITIC Carbon Account” and China UnionPay “Low Carbon Plan” service.The majority of users provide a more diverse green low -carbon consumer experience.

　　Persist in steady progress and move towards high -quality sustainable development

　　In February of this year, the Central Financial Commission Office and the Central Financial Work Committee pointed out that it is necessary to consolidate the foundation of financial development with high -quality and efficient services, to prevent and control financial security in order to stabilize and effectively risk prevention and control, anchor the goal of building a strong financial country, and solidly promote the high -quality financial development.

　　In 2023, CITIC Bank’s credit card business adheres to the concept of full -process risk management, continues to strengthen risk management and construction, and improves precision and policies with agile iteration risk models, rely on new technologies to improve data mining and risk recognition capabilities, continuous iteration of risk models, improve customer risk recognition degree; Continuously optimize the structure and asset structure, improve the precision credit management ability under the segmentation of the customer group; strengthen the control of funds and control risk prevention, promote the gambling -related joint control work, effectively identify and resolve and prevent credit card risks, promote the promotionCredit card business operates healthy development.

　　As of the end of the reporting period, the bank’s non -performing credit card balance was 13.198 billion yuan, with a non -performing rate of 2.53%, which was more excellent than the same industry, and the asset quality remained stable as a whole.