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in recent years, the banking industry has generally faced pressure from narrowing net interest margins. it is the consensus of almost every bank to promote the transformation of retail business and find new profit growth points. with the continuous accumulation of residents' wealth, wealth management has become a new strategic high ground for commercial banks to achieve performance breakthroughs.

in the field of wealth management, postal savings bank has natural advantages and endowments with nearly 40,000 business outlets nationwide and more than 660 million customers. over the years, the bank has adhered to the strategy of a first-class large-scale retail bank, actively responded to customers' multi-level wealth management needs, continued to promote capacity building, and made every effort to create a wealth management growth pole.

since last year, despite multiple market pressures, the bank’s wealth management performance has remained outstanding among its peers. the bank's semi-annual report shows that as of the end of june 2024, the bank's aum (personal customer assets under management) exceeded 16 trillion yuan; vip customers exceeded 55 million, an increase of nearly 7% from the end of the previous year, and fujia and above customers (500,000 customers with assets of rmb 100 and above) grew by more than 13%.

development goes against the trend and takes a path of differentiated development

in the first half of 2024, due to market fluctuations and policy adjustments, the wealth management market faced unprecedented challenges. in the entire banking industry, the number of new personal deposits in the first half of the year dropped year-on-year, but the trend of regularization was obvious, which shows that personal asset allocation is increasingly "seeking stability." postal savings bank has embarked on a path of differentiated competition through customer management, product system, team training, operation investment education and other aspects.

first of all, in response to changes in customer risk preferences, we will continue to enrich the full spectrum of wealth management product systems. in terms of financial management, postal savings bank insists on paying equal attention to long-term and short-term products and innovatively launches the "financial management night market". in the first half of the year, new financial management products exceeded 110 billion yuan, an annual increase of 17%, outperforming its peers and far exceeding the same period last year. in terms of funds, we use a stable income strategy to lay out bottom positions for customers. the sales volume of non-monetary funds is nearly 100 billion yuan, a significant year-on-year increase. in terms of insurance, the bank's market share has increased, and the insurance structure has been significantly optimized. the proportion of regular premiums exceeded 50% in the first year, an increase of 15 percentage points year-on-year. the market share of regular premiums exceeded 1/3, an increase of 10% year-on-year. percentage points. secondly, build a hierarchical wealth talent team, improve the systematic training mechanism, strengthen closed-loop management, and accelerate the creation of the team's core competitiveness. starting from customer experience and grassroots marketing difficulties, we empower front-line marketers to improve the quality and efficiency of wealth management services. at the same time, we will continue to carry out investor education, create professional and thoughtful investment advisory services, and guide and cultivate scientific and rational investment habits. promote the construction of private banking centers in key cities, provide buyer investment advisory services that are differentiated from outlets, focus on building exclusive product shelves, high-end medical rights, family trusts, etc., comprehensively improve system construction and customer acquisition capabilities, and initially realize private banking business is broken.