Everbright Bank Vice President Yang Bingbing: By 2025, total technology investment will account for over 5% of operating income

(Source: Beijing Business Daily)

Beijing Business Daily News (Reporter Meng Fanxia, Zhou Yili) On March 31, Everbright Bank held its 2025 annual performance briefing. When Vice President Yang Bingbing talked about the field of financial technology, she said that over the past year, Everbright Bank concentrated its financial technology resources on key areas, using technology to empower the business transformation of the entire industry. In 2025, annual technology investment accounted for more than 5% of operating income.

“This investment scale also fully reflects our bank’s emphasis on the development of financial technology. We are not blindly spreading resources; instead, we precisely focus on four core directions—computing power, algorithms, data, and functions—so that every cent is used where it matters most, and we can effectively provide strong support and solid assurance for high-quality development of the business across the whole industry,” Yang Bingbing emphasized.

Specifically, in terms of computing power, Everbright Bank follows the principle of “phased implementation, with urgent needs prioritized,” and advances the construction of both general computing power and intelligent computing power at the same time. The two have their own emphases and complement each other—general computing power focuses on “full-range adaptability,” meeting the basic computing power needs of businesses across the industry; intelligent computing power pursues “specialized and refined” development, focusing on core scenarios such as AI applications. “What is worth noting is that 2025 can be said to be an important watershed in our computing development. The growth rate of intelligent computing power has already far outpaced that of general computing power. Compared with the previous year, the increase is close to 150%. This also lays a solid foundation for us to further deepen AI applications and improve the efficiency of technological empowerment,” Yang added.

In terms of algorithms, Everbright Bank focuses on building a “9×10” intelligent assistant matrix. “‘9’ means coverage of 9 types of job positions, and ‘10’ means possessing 10 general capabilities. The core purpose is to empower employees to improve work efficiency.”

Yang Bingbing introduced that the intelligent assistant matrix has now covered more than 15,000 employees, accounting for nearly 35% of all staff. Among them, the corporate client manager assistant cumulatively generated more than 37,000 different intelligent reports, covering the entire process such as pre-credit marketing, pre-loan investigations, and post-loan management, substantially reducing the workload of client managers. At the same time, the bank continues to strengthen the team of professional talents. Across the bank, nearly 100 people have obtained model trainer qualification certification, further enhancing the professional capability in model building. In addition, the bank is promoting large-scale application of “AI+RPA.” In 2025, it added 610 new intelligent automation scenarios in total, saving labor time equivalent to more than 1,100 person-years, and significantly improving operational efficiency.

Yang Bingbing said that now Everbright Bank uses the sustained growth of Token consumption scale as a core indicator to measure the depth of AI applications, thereby promoting the upgrade of intelligent applications from “usable” to “user-friendly and commonly used.”

In terms of data, Yang Bingbing believes that in the AI era, it’s not only humans using data; more importantly, it is AI using data. Day by day and over time, high-quality datasets are the key to enabling AI to “understand what it reads, and read it well,” and to maximize its value.

From a practical perspective, in 2025, Everbright Bank will advance the building of high-quality datasets for the system. It will fully integrate various types of structured and unstructured data, such as business data, external data, and metadata, promoting the upgrade of data from “accurate and usable” to “understandable, inferable, and executable,” so that data truly becomes the core asset driving business development. Meanwhile, for data applications targeting frontline teams at sub-branches, the bank independently developed an interactive intelligent Q&A tool called “WenShu” to lower the barrier to using data. WenShu covers more than 6,000 indicators. The number of active users is already close to 5,000, enabling frontline business decision-making, corporate due diligence, customer acquisition, and customer attraction marketing scenarios to realize efficiency gains.

In terms of functions, Everbright Bank focuses on upgrading core business systems and empowering key projects, using a “dual-engine” drive to enhance its technological support capabilities. On the one hand, it fully advances the replacement and upgrade of important business systems such as the new-generation core business system and the new-generation comprehensive teller system, consolidating and strengthening core competitiveness in key business areas. On the other hand, it fully supports special teams to advance inclusive finance, supply chain finance, retail credit, and other initiatives, continuously strengthening the overall process quality and efficiency of online customer acquisition, customer activation, and customer retention. “For example, we restructured the online business process for corporate inclusive finance, and the average approval time improved by more than 80% compared with the traditional model, greatly enhancing customer experience. We have implemented more than 30 benchmark supply chain chain projects. At the same time, we have improved the online level of traditional retail credit products, built a post-loan collection system that enables online operation of the entire collection process, such as generating collection tasks, tracking, and recording, further enhancing business efficiency and risk control capabilities,” Yang Bingbing pointed out. In 2026, Everbright Bank will continue to focus on the four dimensions of computing power, algorithms, data, and functions, deepen the integration of technology and business, and continuously enhance its core competitiveness.

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