Core Viewpoint - The central financial work conference emphasizes the development of five key areas in finance: technology finance, green finance, inclusive finance, pension finance, and digital finance, with a focus on enhancing support for key sectors such as technological innovation and green transformation [1][2] Group 1: Pension Finance Development - By the end of 2024, Postal Savings Bank and Industrial and Commercial Bank of China (ICBC) each served over 200 million elderly clients [3][4] - The personal pension system has been fully implemented, leading to a rapid increase in personal pension account openings at several listed banks, with ICBC, Bank of Communications, and CITIC Bank seeing their account numbers double [1][7] - As of the end of 2024, China Bank and China Merchants Bank each had over 10 million personal pension accounts [1][7] Group 2: Growth in Personal Pension Accounts - A total of 12 listed banks reported significant growth in personal pension accounts, with China Bank and China Merchants Bank each exceeding 10 million accounts [7][8] - CITIC Bank reported a 136.04% increase in personal pension accounts compared to the previous year, while Industrial Bank saw a 47.67% increase [10][8] - The personal pension account numbers for Beijing Bank and Shanghai Bank surpassed 170,000 and 159,530 respectively by the end of 2024 [7][8] Group 3: Diversification of Pension Financial Products - The National Financial Regulatory Administration has issued guidelines to enhance the quality of pension finance, encouraging banks to diversify their product offerings and improve service adaptability [11][12] - China Bank has launched 262 personal pension products, covering various financial instruments, positioning itself as a leader in product variety [11] - Agricultural Bank of China is focused on enhancing the coverage and quality of its pension financial services, while CITIC Bank has developed a comprehensive pension financial product and service system [12]

房旭，1970年7月生，经济师，经济学学士。现任北京银行信用审批部总经理。1992年7月参加工作， 2010年9月加入北京银行。2025年5月至今担任北京银行信用审批部总经理；2024年1月至2025年5月担任 北京银行公司业务总监；2022年8月至2025年5月担任北京银行公司银行部（战略客户部）总经理；2022 年6月至2022年8月担任北京银行公司银行部总经理；2018年4月至2022年6月担任济南分行党委书记、行 长；2017年3月至2018年4月担任济南分行党委书记、常务副行长；2016年7月至2017年3月担任北京银行 公司银行部副总经理；2014年9月至2016年7月历任济南分行行长助理、副行长。2010年9月至2014年9月 先后在济南分行办公室、济南分行营业部从事相关工作。加入北京银行前曾在中国农业银行从事相关工 作。 此外，会议通过《关于聘任明立松先生为首席信息官的议案》。根据北京银行工作分工调整，同意聘任 明立松担任该行首席信息官，其任职资格尚需取得监管机构核准。 明立松，1975年3月生，高级工程师，工程硕士。现任北京银行信息科技管理部总经理，系统运营中心 党委书记、总经理。1998年 ...

证券代码：601169 证券简称：北京银行 公告编号：2025-036 北京银行股份有限公司 关于召开2025年第三次临时股东大会的通知 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。 重要内容提示： 一、召开会议的基本情况 (一)股东大会类型和届次 2025年第三次临时股东大会 (二)股东大会召集人：董事会 (三)投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结合的方式 (四)现场会议召开的日期、时间和地点 召开的日期时间：2025 年 6 月 27 日 9 点 00 分 召开地点：北京银行总行三层新闻发布厅 (五)网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 6 月 27 日 至2025 年 6 月 27 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25，9:30-11:30，13:00-15:00；通 过互联网投票平台的投票时间为股东大会召开当日的 9:15-1 ...

证券代码：601169 证券简称：北京银行 公告编号：2025-035 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。 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 第六次会议于 2025 年 6 月 11 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 6 月 6 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。 北京银行股份有限公司监事会 会议通过决议如下： 一、通过《关于不再设立监事会的议案》，同意提交股东大会审 议。 表决结果：4 票赞成，0 票反对，0 票弃权。 特此公告。 2025 年 6 月 12 日 1 ...

证券代码：601169 证券简称：北京银行 公告编号：2025-034 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 六次会议于 2025 年 6 月 11 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 6 月 6 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。 会议通过决议如下： 二、通过《关于修订<北京银行股份有限公司章程>的议案》,同意 提交股东大会审议。 表决结果：12 票赞成，0 票反对，0 票弃权。 三、通过《关于修订<北京银行股份有限公司股东大会议事规则> 的议案》,同意提交股东大会审议。 表决结果：12 票赞成，0 票反对，0 票弃权。 一、通过《关于不再设立监事会的议案》 ...

Core Viewpoint - The recent announcement by Nanjing Bank regarding the early redemption of its convertible bonds indicates a trend in the banking sector where multiple banks are triggering conditional redemption clauses due to rising stock prices [1][2][5]. Group 1: Convertible Bonds Redemption - Nanjing Bank's "Nan Yin Convertible Bonds" have triggered the conditional redemption clause, leading to the decision for early redemption [1][2]. - The stock price of Nanjing Bank has been above 130% of the conversion price for 15 out of 19 trading days, which meets the criteria for redemption [2]. - Other banks, including Suzhou Bank and Hangzhou Bank, have also seen their convertible bonds trigger similar redemption clauses this year [4]. Group 2: Market Trends and Predictions - The banking sector has experienced a significant upward trend, contributing to the triggering of early redemptions for several convertible bonds [5][6]. - As of June 10, various bank stocks, including Jiangsu Bank and Nanjing Bank, reached new highs, indicating strong market performance [6][7]. - Analysts predict that the market may face a supply-demand imbalance for convertible bonds due to the lack of new issuances, potentially leading to price increases for existing bonds [4]. Group 3: Future Outlook for Banking Stocks - Institutions remain optimistic about the absolute value of banking stocks, especially during the traditional dividend distribution period in June and July [8]. - Historical data shows that the banking sector has had positive absolute and relative returns during this period in many years [8]. - The implementation of expansionary policies aimed at stabilizing the economy is expected to benefit the banking sector in the medium to long term [8].

6月7日，债券市场"科技板"落地实施满月。 "金融机构特别是银行主体发行科创债，有利于进一步引导社保基金、保险资金等长期资金进入科技创 新领域。"中国邮政储蓄银行研究员娄飞鹏在接受《金融时报》记者采访时表示。 值得一提的是，科技创新债券不仅发行提速，市场结构也出现积极变化。 一方面，科技创新债券发行期限呈长期化导向，3年以上发行规模占比近80%，10年以上规模超过百亿 元，期限结构更加适配科创产业周期；另一方面，商业银行充分发挥自身规模和成本优势，通过贷款、 债券等多种途径，专项支持科技创新领域，凸显银行体系向早期科创领域的资源倾斜。 从资金用途来看，银行主体已发行的科创债募集资金用途主要为发放科创领域贷款，少部分用于投资科 创企业债券或科创企业日常经营周转。 "科创债新增商业银行等金融机构发行资格，形成'产业+金融'双轮驱动模式，扩容了主体，激活和扩展 了市场。"南开大学金融学教授田利辉在接受《金融时报》记者采访时表示，债券市场"科技板"的推出 是落实"科技-产业-金融"良性循环的核心抓手，政策意义是构建科技金融新生态，主体扩容激活市场， 更好服务新质生产力。 具体来看，目前，政策性银行、国有大行、股份制银 ...

Group 1 - The "Dripping Green - Li Encheng Art Exhibition" was inaugurated on June 8 at the Jingxing Art Museum (Jinan) and will run until July 8, showcasing over 100 works by artist Li Encheng [2][5] - The exhibition marks the first event following the renovation of the Jingxing Art Museum, which is part of Beijing Bank Jinan Branch's initiative to enhance cultural development and financial services [5][22] - Beijing Bank Jinan Branch has a significant financial background, with total assets exceeding 4.2 trillion yuan, ranking 15th among Chinese banks and 51st globally in terms of tier-one capital [8] Group 2 - The opening ceremony featured speeches from various dignitaries, including Tian Hong, the Party Secretary and President of Beijing Bank Jinan Branch, who emphasized the importance of cultural finance integration [5][8] - Li Encheng's artistic achievements were praised by guests, highlighting the natural themes and cultural sentiments present in his works [5][13] - Li Encheng expressed gratitude to the organizers and shared insights from his artistic journey, emphasizing his connection to nature and his exploration of new materials in his recent works [13][20]

被视为债市"科技板"的科创债新政落地后，市场主体发行科创债的热度持续攀升。 以发行起始日计，5月7日新规落地后的首月（截至6月7日），已有221只科创债正式发行，募集资金规模超 4000亿元，同比增长3倍还多。 新获发行资质的银行、券商等金融机构共发行科创债2303亿元； 其中，16家银行发债超2000亿元，凭借五成以上的份额成为科创债的绝对主力与最大增量。 科创债起源于双创债实践，后为以科创公司债（交易所）与票据（银行间）为主要品种。 5月7日，央行、证监会联合提出丰富科创债产品体系的13条具体举措，通过金融机构与股权投资机构的双 重扩容，构建覆盖科创企业全生命周期的融资链条； 同日，交易商协会、银行间市场、三大交易所宣布优化科创债发行、交易等环节。 5月14日，科技部、央行等7个部门发布《加快构建科技金融体制有力支撑高水平科技自立自强的若干政策 举措》，再提建立债市"科技板"。 密集的新规推动下，科创债发行量持续走向高峰。 超3倍增量入市 科创债新政落地首月，新发科创债已达221只、募资4027亿元，两项数据同比增幅分别为130.21%、 322.12%。 科创债基于科创企业类、升级类、投资类、孵化类等属 ...

Core Viewpoint - The recent trend of lowering deposit interest rates by small and medium-sized banks in China is prompting depositors to reconsider their investment strategies, leading to a surge in bank wealth management products as an alternative to traditional savings accounts [1][2][3]. Group 1: Deposit Rate Adjustments - Following the major state-owned and joint-stock banks, small and medium-sized banks in regions such as Hunan, Jiangsu, Anhui, Guangdong, Guangxi, and Henan have also reduced deposit interest rates since late May [1][2]. - Many city commercial banks have set their fixed deposit rates below 1.5%, with some even dropping to 1% or lower, which contrasts sharply with the approximately 2% expected returns from wealth management products [1][2]. - For instance, Nanjing Bank has adjusted its fixed deposit rates to 0.7%, 0.95%, 1.15%, 1.25%, 1.35%, and 1.35% for different terms, while Beijing Bank has similar reductions [2]. Group 2: Shift to Wealth Management Products - As deposit rates decline, banks are intensifying their marketing efforts for wealth management products, which are becoming increasingly attractive to depositors seeking better returns [4][5]. - The rapid growth of bank wealth management products is evident, with the total scale reaching 31.24 trillion yuan by June 3, an increase of 144 billion yuan since the end of April [6]. - Wealth management products, particularly short-term fixed-income products, are now viewed as viable alternatives to traditional savings accounts, especially for interest-sensitive customers [4][7]. Group 3: Fee Reductions and Promotions - In response to the competitive landscape, several wealth management companies have announced fee reductions for their products, with some fees dropping to as low as 0.01% [5]. - For example, Zhongyin Wealth Management has reduced management fees for over 20 products since May 20, while Agricultural Bank Wealth Management has also lowered fees for various open-ended products [5]. Group 4: Market Dynamics and Growth Drivers - The influx of deposits into wealth management products is driven by factors such as the migration of funds from traditional savings accounts and aggressive marketing strategies by banks [6]. - Current average yields for newly issued wealth management products exceed 2.50%, with some reaching around 3%, making them more appealing compared to declining deposit rates [6][7].