When "digital intelligence" is elevated to the level of the "first strategy" in the next five years, and intelligence is deeply embedded in business operation and management scenarios, Industrial Bank is showing a clear path to accelerate the transition from "digital industry" to "smart industry".
On August 27, Industrial Bank released its 2026 semi-annual report. The report shows that the bank has deployed a total of 21,800 smart strategies, touched 597 million customers, and driven comprehensive financial assets of 178.459 billion yuan. Behind the numbers is a systemic change that has lasted for several years. In the first year of the “15th Five-Year Plan”, Industrial Bank has deeply promoted digital transformation and intelligent upgrading, comprehensively supporting model innovation and efficiency improvement in areas such as service marketing, risk management and control, and operation management.
Strategic leadership: Digital intelligence rises to the top strategy
Based on the "15th Five-Year Plan", Industrial Bank has designated "digital intelligence" as the first development direction of the "Five Modernizations". As the fundamental engine of operational transformation during the "15th Five-Year Plan" period, Industrial Bank hopes to use "digital intelligence" to provide capability support for greenness, internationalization, comprehensiveness and ecology, and to vigorously promote industrial finance and highlight the strategic features of the "Four Business Cards".
It is understood that Industrial Bank is currently anchoring on the three main lines of "building a solid foundation for technological capabilities", "releasing digital momentum" and "promoting intelligent transformation", and making every effort to promote the improvement of operation and management capabilities and the reshaping of business models.
In order to ensure the implementation of the strategy, in the first half of the year, Industrial Bank released the "Digital Transformation Development Plan for 2026-2030" and formulated the "Implementation Opinions on Deeply Implementing "Artificial Intelligence + Finance" to Accelerate the Digital Transformation". The release of two top-level designs has further improved the layout and promotion mechanism of artificial intelligence development, transforming artificial intelligence construction from decentralized exploration to intensive coordination and systematic promotion. At the same time, the bank continues to lay a solid foundation for real digital intelligence by starting from the three pillars of model, data, and computing power. In terms of intelligent scenarios and application exploration, we will accelerate the implementation of key applications such as customer service knowledge services, wealth management, risk management and R&D testing, promote employee burden reduction, process efficiency improvement and service optimization, and accelerate the move from "digital industry" to "smart industry".
Build a solid foundation: Consolidate the three foundations of "computing power + data + model"
Focusing on the strategic deployment of digital intelligence, Industrial Bank continues to make efforts in the three core areas of models, data, and computing power to consolidate the underlying support for the construction of smart banks.
Model capabilities enable large-scale supply. During the reporting period, the bank launched 21 mainstream large-scale models, with an average daily call volume of over 2.1 million; the intelligent agent platform has entered a new stage of intensive and coordinated development, with 345 intelligent agents currently in operation in the fields of risk, marketing, customer service, and operations. At the same time, the bank has built an AI service market entrance to provide basic functions such as multi-model invocation, capability comparison and statistical management. The cumulative number of visits has exceeded 170,000, promoting the deep integration of AI from laboratory concepts into the front line of business and becoming a practical tool for risk prevention and control, customer service, marketing operations and other scenarios.
Data governance capabilities rank among the best in the industry. The bank closely adheres to the regulatory guidance and anchors on the five major directions of "security, intensiveness, governance, compliance, and empowerment". In the first half of the year, it was successfully rated DCMM Data Management Capability Maturity Level 5 (the highest level in the industry), steadily moving towards the data management benchmark in the financial industry. At the same time, the full-stack Xinchuang transformation of the big data basic platform has been completed. From intelligent risk control to precision marketing, from operational efficiency improvement to product innovation, independent and controllable data service capabilities are being deeply integrated into all aspects of business development, providing safe and efficient data base support for high-quality development.
Computing infrastructure continues to be upgraded. Relying on the new generation cloud platform, a "two places and four centers" resource layout has been formed to fully support the rapid online, stable and efficient operation of business systems, and the average application online cycle has been shortened by 80%. At the same time, the bank has fully launched the construction of intelligent computing cloud with the idea of "one cloud, multiple cores, integrated training and promotion", which can support the rapid deployment and efficient operation of trillion-level large models. At the network level, the backbone network was upgraded to "IPv6+", and the first cross-provincial quantum financial dedicated line ring network in the national financial industry was successfully opened, opening up secure communication channels in Fuzhou-Chengdu-Shanghai.
Capability release: Digital intelligence empowers the entire operation chain
With the further advancement of the digital intelligence strategy and the continuous consolidation of the technological base, the results of Industrial Bank's digital transformation have gradually emerged in all areas of business services.
In terms of digital operations, the bank takes the strategic system as the core and intelligence as the engine. It relies on the centralized digital operation capabilities and digital marketing platform of the head office to deepen multi-channel collaboration and linkage, and the operation model shifts to precise contact based on customer portraits. During the reporting period, a total of 21,800 operational strategies were deployed, touching 597 million customers, and driving comprehensive financial assets of 178.459 billion yuan; the intelligent review of strategies covered 52 sub-agent modules, the manual verification consistency rate reached 99.96%, and the accuracy of strategic intelligent evaluation was 100%.
Intelligent operation strategies have brought about comprehensive improvements in customer scale and customer experience. During the reporting period, the bank completed the comprehensive reconstruction of mobile banking from technical base to interactive experience, creating an intelligent, ecological and secure mobile financial service platform. According to the data, the bank has 73.7027 million effective mobile banking customers, 16.21 million corporate WeChat service customers, and a total of 52.0481 million customer contacts made by the remote operation center. Digital operations continue to deliver value to high-end customer groups, and the number of basic retail customer groups upgraded to platinum and above customers reaches 406,700. At the same time, the bank's five major online platforms continued to work together. The number of "Industrial Butler" customers was 1.5066 million, an increase of 3.84% from the end of the previous year. The number of registered customers of "Industrial Life" was 64.0257 million, an increase of 4.26%. There are 20,809,400 registered users of "Tiangui", 133,200 corporate users certified by "Industrial Puhui", an increase of 15.07%, and the wealth sales retention scale of "Yinyin Platform" has exceeded 1.1 trillion yuan, an increase of 16.30%.
Judging from NPS, a key indicator for measuring customer loyalty, the bank's "War on Experience" campaign has achieved remarkable results. During the reporting period, NPS deployment scenarios expanded from 65 at the end of the previous year to 91, and core wealth pages such as financial management, funds, and gold were revised and upgraded. The NPS score of "Digital Industrial" reached 72 points, an increase of 8 points from the end of the previous year.
Business empowerment: five major articles to improve quality and efficiency
The ultimate value of technology lies in business. Industrial Bank continues to use technology to do five major financial articles. In terms of science and technology finance, the "technology flow" evaluation system was iteratively upgraded. During the reporting period, the customer access link covered 11,300 customers, and the customer duration link covered 22,800 customers, improving the financing availability of technology companies. In terms of green finance, the company has upgraded two digital platforms, the dual carbon management platform and the green financial business system, to provide diversified services such as carbon data management externally, and to continue to implement intelligent services internally in scenarios such as green gold business identification and risk management and control. In terms of inclusive finance, the smart market system has been launched in 399 commodity trading markets, and the total financing balance in all scenarios exceeds 55 billion yuan. Use the Internet of Things and artificial intelligence technology to develop a digital supervision platform for biological assets to achieve remote monitoring of living collateral indicators, significantly improve post-loan supervision capabilities, and effectively revitalize the biological assets of breeding enterprises. In terms of pension finance, the mobile banking pension zone has served a total of 4.391 million customers, and the aging-friendly service channels such as mobile banking "Safe Edition" and customer service hotline 95561 green channel have served 2.1587 million elderly customers, helping to bridge the digital divide.
From strategic anchoring to solid foundation, to the release of results, Industrial Bank’s digital transformation has a clear path and solid steps. In the next step, the bank will continue to use digital intelligence as its core engine, deepen the in-depth integration of technology and finance, continuously improve the quality and efficiency of financial services, and inject more financial technology momentum into the high-quality development of the real economy.
