截至2025年12月15日收盘，北京银行（601169）报收于5.54元，较前一交易日上涨0.36%，最新总市值 为1171.32亿元。该股当日开盘5.52元，最高5.57元，最低5.51元，成交额达5.92亿元，换手率为0.5%。 最新公告列表 《北京银行股份有限公司关于优先股全部赎回及摘牌完成的公告》 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 近日，北京银行发布关于优先股全部赎回及摘牌完成的公告。公告显示，北京银行于2015年12月11日非 公开发行0.49亿股优先股，发行规模为人民币49亿元。本行已于2025年12月11日向截至2025年12月10日 在中登上海分公司登记在册的优先股股东足额支付票面金额及2024年12月11日至2025年12月10日期间的 股息，合计人民币51.29亿元，完成全部优先股的赎回。本次优先股已于2025年12月11日注销，赎回及 摘牌工作已全部完成。 ...

二、北京银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自北京银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由决定机关办理行政许可注销手续。 三、北京银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 2025年12月10日，江西金融监管局发布批复称，《北京银行（601169）关于吴佳春同志任职资格审查的 请示》（京银人发〔2025〕953号）收悉。经审核，现批复如下： 一、核准吴佳春北京银行南昌分行副行长的任职资格。 ...

据国家金融监督管理总局的批复文件显示，河北金融监管局核准胡萌萌北京银行石家庄分行副行长的任职资格。 图源：国家金融监督管理总局网站 ...

Group 1 - The core issue is that many banks have removed 5-year fixed deposit products, and the threshold for 3-year fixed deposits has increased, leading to a shift in consumer behavior towards alternative investment options [1][6] - Banks are responding to the uncertain long-term interest rate environment and the need to stimulate consumption by reducing the availability of long-term fixed deposits, which are becoming less attractive due to low interest rates [1][6] - The reduction of long-term fixed deposit products is a market-driven decision, reflecting the banks' need to adapt to changing economic conditions and consumer preferences [1][6] Group 2 - Risk-averse consumers are now seeking alternative investment opportunities as fixed deposit options diminish, with a focus on stable, high-dividend assets such as bond funds and blue-chip stocks, particularly in the banking sector [2][7] - Recent trends show that large state-owned bank stocks have been rising due to the influx of low-risk capital, previously invested in real estate and infrastructure, now flowing into these banks as the real estate market changes [2][7] - The annualized dividend rates of major state-owned banks are declining, with examples such as Industrial and Commercial Bank of China at 3.8%, China Construction Bank at 4.3%, and Agricultural Bank of China at 3% [3][8] Group 3 - The banking sector in A-shares is highly interconnected, with similar operational models and profitability levels among banks, but state-owned banks have outperformed due to shifts in investor risk preferences [4][9] - Some regional city commercial banks, like Beijing Bank, show strong performance metrics and competitive dividend yields, making them attractive alternatives to traditional fixed deposits [5][10] - Beijing Bank has an annualized dividend rate of 5.7%, positioning it among the top banks, and its solid fundamentals suggest it can maintain this rate even in a changing economic landscape [5][10]

证券日报网讯 12月12日晚间，东华软件发布公告称，公司于2025年12月12日召开了第八届董事会第四 十七次会议，审议通过了《关于子公司向银行申请综合授信及担保的议案》。基于经营发展需要，公司 控股子公司东华医为科技有限公司（简称"东华医为"）拟向北京银行股份有限公司中关村分行申请综合 授信额度人民币10，000万元，额度有效期（提款期）为自合同订立日起一年，单笔业务期限最长不超 过一年，担保方式为公司提供连带责任保证。 （文章来源：证券日报） ...

证券代码：601169 证券简称：北京银行 公告编号：2025-065 优先股代码：360018 优先股简称：北银优 1 本行于 2025 年 12 月 6 日发布了《关于优先股全部赎回及摘牌的 公告》。本行已于 2025 年 12 月 11 日向 2025 年 12 月 10 日在中国证 券登记结算有限责任公司上海分公司（以下简称"中登上海分公司"） 登记在册的本行本次优先股股东足额支付优先股票面金额及 2024 年 12 月 11 日至 2025 年 12 月 10 日持有期间的股息，共计人民币 51.29 亿元，赎回本行全部已发行的本次优先股。 根据中登上海分公司提供的数据，本次优先股已于 2025 年 12 月 11 日注销。本行本次优先股的赎回及摘牌已完成。 北京银行股份有限公司 关于优先股全部赎回及摘牌完成的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担法律责任。 北京银行股份有限公司（以下简称"本行"）于 2015 年 12 月 11 日非公开发行 0.49 亿股优先股（以下简称"本次优先股"），发行规 模为人民币 ...

Core Viewpoint - The third-generation social security card in Beijing is a significant public welfare project aimed at enhancing citizens' quality of life during the "14th Five-Year Plan" period, with Beijing Bank playing a crucial role in its implementation and service delivery [4][23]. Group 1: Implementation and Service Delivery - Beijing Bank has established a leadership team and work groups to ensure the effective rollout of the third-generation social security card, focusing on resource allocation and addressing challenges [7]. - The bank has completed the upgrade of over 10 internal systems and established seamless connections with more than 10 external partners, becoming one of the first banks to receive approval for card issuance and system integration [8]. - A 24/7 real-time monitoring mechanism has been set up to ensure zero faults in system operation and uninterrupted card issuance services during peak demand periods [9]. Group 2: Customer Experience and Accessibility - The bank has implemented a "3-minute card issuance" service across over 230 outlets in all 16 districts, enhancing customer experience with specialized service teams [11]. - A convenient application process allows customers to apply via mobile, receive cards by mail, and activate them at nearby outlets, catering to individuals working in different provinces [12]. - Over 1,000 mobile service stations have been established to facilitate card issuance for employees in rotating shifts, ensuring minimal disruption to their work [13]. Group 3: Tailored Services and Benefits - The bank has developed batch service plans for large enterprises to streamline the card issuance process, minimizing the need for employees to travel [15]. - A dedicated service team has been deployed to various public transport stations and communities, providing personalized card issuance services to over 300,000 workers in essential services [16]. - Special benefits for cardholders include fee waivers, exclusive health services, and tailored financial products, enhancing the overall value of the social security card [20][21][22]. Group 4: Commitment to Public Welfare - Beijing Bank emphasizes its commitment to serving the public and enhancing the quality of life for citizens, aligning its services with the broader goals of national development [23].

二、北京银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自北京银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由决定机关办理行政许可注销手续。 三、北京银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 2025年12月10日，河北金融监管局发布批复称，《北京银行关于核准胡萌萌任职资格的请示》（京银人 发〔2025〕955号）收悉。经审核，现批复如下： 一、核准胡萌萌北京银行股份有限公司石家庄分行副行长的任职资格。 ...

Group 1 - The Federal Reserve announced a 25 basis point cut in the federal funds rate target range to between 3.5% and 3.75% [1] - Multiple cities, including Nanjing, Changchun, and Wuhan, have implemented home loan interest subsidy policies in 2023 [2] - Since November, 12 listed banks have received 195 institutional research visits, a significant increase from October, with a focus on net interest margin and asset quality [3] Group 2 - Huaxia Bank approved a daily related transaction limit of RMB 139.8 billion with Beijing Bank [5] - Yibin Commercial Bank's registered capital has been increased from RMB 3.9 billion to RMB 4.5884 billion [6] - Chongqing Bank has been approved to issue capital instruments not exceeding RMB 4 billion in perpetual bonds [7] Group 3 - The former president of Shanxi Bank, Li Yingyao, has taken on a new role as deputy secretary of the provincial financial work committee [8] - Fourteen branches of Liaoning Rural Commercial Bank have been approved to cease operations, contributing to a significant increase in bank branch closures this year [9] - Bank wealth management subsidiaries have become a new force in offline IPO participation, with significant involvement in A-share listings [10][11]

Investment Rating - The report assigns an "Overweight" rating for the banking sector [7]. Core Insights - The report emphasizes the significant improvement in the cost of liabilities for banks in 2025, with a notable decrease of 28 basis points (bp) in the first half of the year, compared to only 4 bp in the same period last year. This improvement is primarily driven by reductions in deposit and interbank liabilities costs, contributing 19 bp and 7 bp respectively [3][11]. - The net interest margin (NIM) is expected to decline by approximately 5 bp in 2026, with the downward pressure on margins continuing to ease marginally, suggesting that some banks may stabilize their NIMs [2][10]. Summary by Sections 1. Liability Cost Improvement in 2025 - The first half of 2025 saw a significant reduction in the cost of interest-bearing liabilities, with the cost rate dropping to 1.70%, a decrease of 28 bp from 2024. This was supported by improvements in both deposit and interbank liability costs [11]. 2. Liability Side: Deposit Maturity and Repricing Benefits 1) **Term Structure**: The proportion of long-term deposits entering the repricing cycle has increased, with the share of deposits with a remaining maturity of 1-5 years declining by 1.5 percentage points (pct) to 22.6% by the end of Q2 2025. Some banks, such as those in Ningbo and Chongqing, experienced declines exceeding 10 pct [4]. 2) **Price Factors**: Regulatory focus on maintaining reasonable NIM levels has increased, with expectations of further interest rate cuts. The maximum reduction for three-year deposits could exceed 100 bp, indicating substantial room for cost improvement [5]. 3. Asset Side: Yield Pressure Expected to be Better than 2025 1) **Loans**: The repricing pressure on loans is expected to ease, with the five-year Loan Prime Rate (LPR) declining by only 10 bp in 2025, significantly less than the 50 bp drop the previous year [6]. 2) **Debt Replacement**: The shift from high-interest to low-interest debt is anticipated to have a limited impact on net interest margins, estimated to drag down margins by about 4 bp [6]. 3) **Bond Maturity**: The widening gap between new bond issuance rates and existing bond yields is expected to exert downward pressure on investment yields, with an estimated drag of 6 bp on margins from the reallocation of bonds maturing within one year [6]. 4. NIM Projections - The report forecasts a 5 bp decline in NIM for 2026, with the downward trend continuing to converge. The asset yield is expected to decrease by 17 bp, while the cost of liabilities is projected to improve by 13 bp, with deposit costs improving by 17 bp [7][10].