Core Viewpoint - Beijing Bank has provided significant financial support to technology-oriented small and medium-sized enterprises (SMEs), highlighting its commitment to fostering innovation and entrepreneurship in the region [1] Group 1 - Beijing Bank has cumulatively provided credit funds exceeding 1.4 trillion yuan to 58,000 technology-oriented SMEs [1] - The bank has served over 29,000 specialized and innovative enterprises [1] - Beijing Bank supports 82% of the companies listed on the ChiNext board, 74% on the Sci-Tech Innovation Board, and 75% of the innovative tier on the New Third Board [1]

Core Viewpoint - Beijing Bank reported a slight decline in operating income for the first three quarters of 2025, while net profit showed a modest increase, indicating a mixed performance amidst a growing asset base [1] Financial Performance - The bank achieved operating income of 51.588 billion yuan, a year-on-year decrease of 1.08% [1] - Net profit attributable to shareholders reached 21.064 billion yuan, reflecting a year-on-year growth of 0.26% [1] Asset Quality - As of the end of September, the total assets of the bank amounted to 489.2227 billion yuan, representing a growth of 15.95% since the beginning of the year [1] - The non-performing loan ratio stood at 1.29%, which is a decrease of 0.02 percentage points compared to the beginning of the year [1]

证券代码：601169 证券简称：北京银行 公告编号：2025-049 北京银行股份有限公司监事会决议公告 本公司监事会及全体监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个别及连带责任。 北京银行股份有限公司（以下简称"本行"）监事会二〇二五年第 十次会议于 2025 年 10 月 29 日在北京召开，采用现场表决方式。会 议通知和材料已于 2025 年 10 月 17 日以电子邮件方式发出。本次监 事会应到监事 4 名，实际到会监事 4 名。全体监事推举吴文杰监事主 持会议。 会议符合《中华人民共和国公司法》等法律法规、部门规章、规 范性文件及《北京银行股份有限公司章程》的规定，会议所形成的决 议合法、有效。 书面审核意见如下： 1.北京银行股份有限公司 2025 年第三季度报告的编制和审议程 序符合法律、法规、公司章程和公司内部管理制度的各项规定； 2.北京银行股份有限公司 2025 年第三季度报告的内容和格式符 合中国证监会和证券交易所的各项规定，报告内容真实、准确、完整 地反映出公司当期的经营管理和财务状况等事项； 3.在本次监事会之前，未发现 ...

证券代码：601169 证券简称：北京银行 公告编号：2025-048 北京银行股份有限公司董事会决议公告 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个别及连带责任。 北京银行股份有限公司（以下简称"本行"）董事会二〇二五年第十 次会议于 2025 年 10 月 29 日在北京召开，采用现场表决方式。会议通 知和材料已于 2025 年 10 月 17 日以电子邮件方式发出。本次董事会应 到董事 12 名，实际到会董事 12 名。会议由霍学文董事长主持。监事 会成员列席本次会议。 会议符合《中华人民共和国公司法》等法律法规、部门规章、规 范性文件及《北京银行股份有限公司章程》的规定，会议所形成的决 议合法、有效。 表决结果：12 票赞成，0 票反对，0 票弃权。 三、通过《关于董事会专门委员会人员调整方案的议案》。 表决结果：12 票赞成，0 票反对，0 票弃权。 四、通过《关于对北银消费金融有限公司关联授信的议案》。同意 授予北银消费金融有限公司同业机构综合授信额度人民币 100 亿元（其 中流动性支持专项额度 70 亿元），具体业 ...

Core Insights - Beijing Bank reported a slight decline in operating income for the first three quarters of 2025, amounting to 51.588 billion yuan, a year-on-year decrease of 1.08% [1] - The net profit attributable to shareholders increased by 0.26% to 21.064 billion yuan, indicating stable profitability [1] - The bank's return on average equity stood at 9.86%, reflecting a solid earnings level [1] Financial Performance - Total assets reached 4.89 trillion yuan, growing by 15.95% since the beginning of the year [1] - Total liabilities increased by 16.62% to 4.51 trillion yuan [1] - The total loan principal amounted to 2.37 trillion yuan, a growth of 7.38%, with loans constituting 48.51% of total assets [1] - Deposits totaled 2.64 trillion yuan, up 7.60%, representing 58.50% of total liabilities [1] Loan and Deposit Growth - Technology finance loans grew by 20.16%, green finance loans by 26.20%, and inclusive small and micro enterprise loans by 16.91% compared to the beginning of the year [1] Asset Quality - The non-performing loan ratio was reported at 1.29%, a decrease of 0.02 percentage points from the beginning of the year, indicating improved asset quality [1]

Core Insights - The forum focused on creating a new ecosystem for the rapid development of technology enterprises through financial empowerment [1][2] - Beijing has cultivated a number of competitive technology companies, achieving significant results in technology innovation and financial integration [1] - Beijing Bank aims to be the leading bank for specialized and innovative enterprises, providing substantial financial support to small and medium-sized technology firms [1] Financial Empowerment Initiatives - Beijing Bank has provided over 1.4 trillion yuan in credit to 58,000 technology SMEs, serving 29,000 specialized and innovative enterprises [1] - The bank supports 82% of companies listed on the Beijing Stock Exchange's Growth Enterprise Market and 74% on the Sci-Tech Innovation Board [1] - A comprehensive financial service plan for intellectual property was launched, including a value assessment model to facilitate financing [2] Green Finance and Sustainability - Beijing Bank introduced a comprehensive service plan for zero-carbon park construction and launched a green finance product called "Green Electricity Loan" [5] - The first batch of intention cooperation agreements for the "Green Electricity Loan" was signed during the forum [5] - A strategic cooperation agreement was signed with Zhonghe Life Insurance for the "Specialized and Innovative Enterprise Insurance Protection Plan" [5]

Financial Performance - Total revenue for Q3 2025 was RMB 15,370 million, a decrease of 5.71% compared to RMB 16,215 million in the same period last year[5] - Net profit attributable to shareholders of the parent company for Q3 2025 was RMB 6,011 million, down 1.85% from RMB 6,039 million year-on-year[5] - The net profit margin for the year-to-date period increased slightly by 0.26% to RMB 21,064 million compared to RMB 20,618 million in the previous year[5] - Basic earnings per share for Q3 2025 was RMB 0.27, a decline of 6.90% compared to RMB 0.29 in the same period last year[5] - The weighted average return on equity for Q3 2025 was 8.36%, down 1.00 percentage points from 9.19% in the previous year[5] - For the first three quarters of 2025, the company reported operating income of CNY 515.88 billion, a year-on-year decrease of 1.08%, and a net profit attributable to shareholders of CNY 210.64 billion, an increase of 0.26%[26] - Net profit for the first three quarters of 2025 reached RMB 21,105 million, slightly up from RMB 21,060 million in 2024, indicating a marginal increase of 0.2%[47] - The bank's total operating income for the first three quarters of 2025 was RMB 51,588 million, a slight decrease from RMB 52,151 million in 2024, down by 1.1%[47] Asset and Liability Management - Total assets at the end of Q3 2025 reached RMB 4,892,227 million, reflecting a year-on-year increase of 15.95% from RMB 4,027,327 million[6] - Total liabilities amounted to RMB 4,505,082 million, a significant rise from RMB 3,863,202 million in 2024, marking an increase of 16.6%[46] - The total equity attributable to shareholders of the parent company increased to RMB 385,723 million, an 8.74% increase from RMB 353,733 million at the end of the previous year[6] - The total cash inflow from investment activities for the first three quarters of 2025 was RMB 1,287,458 million, up from RMB 546,926 million in 2024, marking an increase of 134.8%[50] Loan and Deposit Growth - The non-performing loan ratio improved to 1.29%, a decrease of 0.02 percentage points from 1.31% at the end of the previous year[8] - Company deposits grew by CNY 1,214 billion to CNY 18,255 billion, reflecting a 7.12% increase, while company loans (excluding discounts) rose by 11.98% to CNY 14,341 billion[36] - The bank's total financing for key sectors exceeded 670 billion RMB, covering over 4,400 clients[38] - The bank's green finance loan balance reached 265.46 billion RMB, growing by 26.20% year-on-year[39] Cash Flow Analysis - The net cash flow from operating activities for the year-to-date period was RMB 333,319 million, a significant increase of 354.99% compared to RMB 73,258 million in the previous year[5] - The net cash flow from financing activities for the first three quarters of 2025 was RMB 158,966 million, a significant rise from RMB 18,942 million in 2024, representing an increase of 738.5%[50] - The ending balance of cash and cash equivalents as of the end of the third quarter of 2025 was RMB 594,836 million, compared to RMB 369,045 million at the end of the same period in 2024, an increase of 61.0%[50] Capital and Risk Management - The provision coverage ratio decreased to 195.79%, down 12.96 percentage points from 208.75% at the end of the previous year[8] - The core Tier 1 capital ratio is 8.44% as of September 30, 2025, down from 8.95% at the end of 2024[21] - The total risk-weighted assets amount to RMB 3,152,500 million as of September 30, 2025, compared to RMB 2,911,405 million at the end of 2024[21] - The liquidity coverage ratio is 160.87% as of September 30, 2025, indicating strong liquidity position[24] Customer and Market Development - Retail customer base surpassed 31 million, with personal loan balance reaching CNY 7,056.84 billion, a year-on-year growth of 1.99%[29] - The bank's total customer base reached 351,873, an increase of 51,333 customers or 17.08% compared to the beginning of the year[38] - The company actively participated in the "Four Seasons Green Forum" to enhance its brand image in the elderly finance sector, with 1.9 million personal pension accounts opened, 67.89% of which are in Beijing[31] Strategic Initiatives - The company aims to optimize its operational system and embrace technological changes to achieve high-quality development[25] - The company has established a strategic framework referred to as "123456" to guide its operations and development[25]

证券代码：601169 证券简称：北京银行 公告编号：2025-051 北京银行股份有限公司 与北京金融控股集团有限公司关联交易事项的公告 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个别及连带责任。 重要内容提示： 一、关联交易概述 北京银行总行信用审批委员会 2025 年 9 月 12 日审议通过金控集 团的集团限额方案，拟同意授予金控集团及下属企业集团限额人民币 175 亿元，具体业务品种由总行信用审批委员会核定，额度有效期 2 年，经董事会审批通过后，自信用审批委员会审批意见表生效之日起 生效。 金 控 集 团 成 立 于 2018 年 10 月 ， 统 一 社 会 信 用 代 码 为 91110000MA01F60KX1，注册地址为北京市西城区月坛南街 1 号院 2 号楼 20 层 2001，法定代表人为范元宁，注册资本人民币 120 亿元， 股东为北京国有资本运营管理有限公司，持股比例 100%，实际控制 人是北京市人民政府国有资产监督管理委员会。 金控集团同时为国家金融监督管理总局和境内证券监督管理机 构（指中国证券监督 ...

证券代码：601169 证券简称：北京银行 公告编号：2025-050 北京银行股份有限公司 与北银消费金融有限公司关联交易事项的公告 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个别及连带责任。 重要内容提示： 一、关联交易概述 1 本行拟授予北银消费金融有限公司（简称"北银消费"）同业 机构综合授信额度人民币 100 亿元 本次交易构成关联交易 本次交易已经本行董事会二〇二五年第十次会议审议通过， 不需要经过股东大会和有关部门批准 本行在本次交易前 12 个月对北银消费同业机构综合授信额度 人民币 100 亿元 人民币 100 亿元，超过本行最近一期经审计资本净额的 1％，根据《银 行保险机构关联交易管理办法》和《北京银行关联交易管理规定》， 构成重大关联交易，经本行内部授权审批程序审查后，应提交董事会 关联交易委员会审议，报董事会审批。 二、关联方介绍 （一）关联方关系介绍 北银消费是本行关联方，符合国家金融监督管理总局《银行保险 机构关联交易管理办法》规定的"银行保险机构控制或施加重大影响 的法人或非法人组织"的情形，因此构成 ...

Core Insights - The forum focused on the theme of "Financial Empowerment for High-Quality Development of the Cultural Industry," emphasizing the integration of cultural and financial sectors [1] - Beijing Bank, as the only banking representative, highlighted its efforts in supporting the cultural industry through various financial services and products [1] Group 1: Financial Support and Services - Beijing Bank has provided credit support exceeding 600 billion yuan to over 16,000 cultural enterprises by the end of September 2025, maintaining a leading market share in Beijing [1] - The bank has developed a comprehensive product matrix to address the financing needs of cultural enterprises, including "Cultural Tourism e-Loan" for startups and "Cultural Leading Loan" for growing companies [1] - Innovative financing models have been established, such as copyright financing and the "Cultural Relics with Credit" project, which is the first of its kind in the country [1] Group 2: Inclusive Financial Services - The bank aims to deliver financial services to every corner of the industry, enhancing efficiency and customer experience through the "Unified e-Finance" online product [2] - Since its establishment in 2017, specialized cultural branches have supported over 800 cultural enterprises with nearly 15 billion yuan in loans [2] - The bank has created tailored financial services for high-level talents in the cultural sector, including the "Cultural Talent Loan" [2] Group 3: Ecosystem Development - A platform-based development approach is being adopted to create a cultural financial ecosystem through collaboration with various cultural departments and institutions [3] - The establishment of a venture capital private equity center aims to connect over a thousand industry funds and VC/PE institutions, enhancing capital accessibility for cultural enterprises [3] - The "Match Win" platform is being improved to provide comprehensive services for cultural enterprises, including industry guidance and financing support [3] Group 4: Digital Transformation and Innovation - The bank is focusing on the strategic development of cultural finance over the next five years, particularly in digital content and artificial intelligence [4] - Advanced technologies such as AI, big data, and blockchain are being utilized to enhance service efficiency in marketing, credit approval, and risk control [4] - A specialized approval mechanism for key cultural finance areas is being developed to improve response times and service models tailored to the characteristics of cultural enterprises [4] Conclusion - Beijing Bank is committed to fostering cultural development and injecting financial vitality into the cultural sector to stimulate innovation and prosperity [5]