Core Insights - The report reveals the first quarter 2025 financial performance of 17 A-share listed city commercial banks in China, highlighting significant revenue figures and growth rates among these institutions [1][2]. Revenue Performance - Jiangsu Bank achieved the highest revenue in Q1 2025, with 22.304 billion yuan, followed by Ningbo Bank at 18.495 billion yuan and Beijing Bank at 17.127 billion yuan [1][2]. - Other notable banks include Nanjing Bank with 14.190 billion yuan and Shanghai Bank with 13.597 billion yuan [2]. Revenue Growth Rates - Among the 17 banks, 14 reported revenue growth, while 3 experienced declines in revenue [2]. - Qingdao Bank led the growth with a year-on-year increase of 9.69%, followed by Xi'an Bank at 8.14% and Nanjing Bank at 6.53% [3]. - Conversely, Xiamen Bank reported the lowest growth rate at -18.42%, indicating a significant decline [4].

Group 1: Management Changes - Recent internal adjustments in mid-level management at Beijing Bank have been reported, including the transfer of Zhao Jiang, the General Manager of the Credit Approval Department, to the Tianjin branch, and the appointment of Fang Xu as the new General Manager of the Credit Approval Department [1] - In the retail line, Li Jianying is set to become the Chairman of the Sino-Netherlands Life Insurance Company, leading to Wang Qiang's promotion to Retail Business Director at Beijing Bank [1] - Other notable changes include Bu Yanhong, the Chairman of Beiyin Wealth Management, being appointed as the General Manager of the Investment Management Department, while the former General Manager, Huo Xianghui, may take over as the head of the Shijiazhuang branch [1] Group 2: Financial Performance - Beijing Bank's Q1 2025 report indicates significant growth in corporate business, with company deposits reaching 1,810.5 billion yuan, an increase of 104.5 billion yuan (6.13%) from the beginning of the year, and company loans totaling 1,452.5 billion yuan, up 108.7 billion yuan (8.09%) [2] - The retail business has also shown strong performance, with retail deposits at 778.686 billion yuan, a growth of 5.4%, and individual loan balances at 706.977 billion yuan, a year-on-year increase of 4.29% [2] - The Assets Under Management (AUM) reached 1,261.435 billion yuan, reflecting a year-on-year growth of 153.3 billion yuan (13.84%) [2] Group 3: Sino-Netherlands Life Insurance Company - Sino-Netherlands Life Insurance Company, co-owned by Beijing Bank and the French Paris Insurance Group, reported a net loss of 153 million yuan in Q1 2025, with a comprehensive solvency adequacy ratio of 233.25%, down 33.77 percentage points from the previous quarter [3] - Bu Yanhong, who has a strong background in asset management, is set to take on the role of General Manager of the Investment Management Department after her tenure at Beiyin Wealth Management [3] - Beiyin Wealth Management reported a management asset scale of 389.2 billion yuan by the end of 2024, a growth of 33.52%, but with a net profit of 25.76482 million yuan, reflecting a year-on-year decline of 17.30% [3]

Group 1 - Beijing Bank is undergoing significant adjustments in its middle management, affecting the corporate, retail, and asset management sectors [1] - Zhao Jiang, the General Manager of the Credit Approval Department, is set to be transferred to the Tianjin branch of Beijing Bank [1] - Fang Xu, the Director of Corporate Business, is expected to take over as the General Manager of the Credit Approval Department [1] Group 2 - In the retail sector, it has been reported that Li Jianying, the Director of Retail Business, is likely to be appointed as the Chairman of the Netherlands-China Life Insurance [1] - Following Li Jianying's transfer, Wang Qiang, the General Manager of the Wealth Management Department, is anticipated to be promoted to the Director of Retail Business at Beijing Bank [1]

证券代码：601169 证券简称：北京银行 公告编号：2025-030 本行监事会对李建营先生为本行做出的贡献表示衷心感谢。 特此公告。 北京银行股份有限公司监事会 2025 年 5 月 17 日 北京银行股份有限公司关于监事辞任的公告 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"）监事会于近日收到 李建营先生提交的书面辞呈。因工作调动，李建营先生辞去本行职工 监事职务。李建营先生的辞任自辞呈送达本行监事会之日起生效。 李建营先生已确认其与本行监事会无不同意见，亦无任何与其辞 任有关的事项需要通知本行股东。 ...

Core Viewpoint - Beijing Bank is involved in a lawsuit related to securities false statement liability, with a significant claim amounting to approximately RMB 5.15 billion from Zhejiang Zhongtai against multiple defendants, including Beijing Bank [1][4] Group 1: Lawsuit Details - The lawsuit was initiated by Zhejiang Zhongtai Asset Management Co., which claims that the false statements made by Kangde Xin Composite Materials Group Co. resulted in substantial investment losses [1][4] - The total claim includes RMB 5,147,309,935.83 in investment loss, RMB 1,544,192.98 in commission, and RMB 5,147,309.94 in stamp duty [4] - The lawsuit involves multiple defendants, including Beijing Bank, and seeks joint liability for compensation among all defendants [4] Group 2: Impact on Beijing Bank - Beijing Bank assessed that the lawsuit will not have a substantial impact on its current or future profits, as it is not the primary defendant and there are multiple parties involved [1][4] - The bank will continue to monitor the lawsuit's progress and fulfill its information disclosure obligations as required by law [4] Group 3: Background on Kangde Xin - Kangde Xin was found to have inflated profits by RMB 11.9 billion through fictitious sales and other fraudulent activities from 2015 to 2018 [7] - The company failed to disclose significant related party transactions and misused funds, leading to a major violation of securities regulations [7][8] - Kangde Xin was ultimately delisted from the Shenzhen Stock Exchange due to severe violations of laws and regulations [9]

Core Viewpoint - Beijing Bank is facing a lawsuit for 5.147 billion yuan due to its involvement in the securities fraud case of Kangde Xin Composite Material Group Co., Ltd, raising questions about the bank's role in the supervision of listed companies' funds [1][2][4] Group 1: Legal and Financial Implications - The lawsuit claims that Kangde Xin's fraudulent activities, which included fabricating sales and inflating profits by over 11.53 billion yuan from 2015 to 2018, have led to significant financial losses for investors [4][5] - The bank's West Branch signed a cash management agreement with Kangde Investment Group, allowing the misappropriation of 12.2 billion yuan, which was falsely reported as bank deposits [5][8] - Beijing Bank has been penalized by regulatory authorities for its failure to fulfill its supervisory obligations, resulting in a fine of 42.9 million yuan and a six-month suspension from underwriting debt financing tools [5][8] Group 2: Financial Performance - In Q1 2025, Beijing Bank reported a revenue of 17.127 billion yuan, a decrease of 3.18% year-on-year, and a net profit of 7.672 billion yuan, down 2.44% year-on-year, marking the first decline in both metrics in nearly a decade [7][8] - The decline in net interest income, which fell by 1.42% to 12.592 billion yuan, was primarily due to the downward pressure on loan yields and rigid deposit costs [7] - The bank's non-performing loan ratio was 1.30%, a slight decrease, but the provision coverage ratio dropped by 10.67 percentage points to 198.08%, indicating weakened risk mitigation capacity [7] Group 3: Industry Context and Future Outlook - The lawsuit highlights the ongoing debate regarding the responsibilities of intermediary institutions in securities fraud cases, with a trend towards "penetrative accountability" in recent years [8][9] - The potential financial impact of the lawsuit could affect the bank's capital adequacy ratio and profitability, as well as undermine market confidence in its risk management capabilities [9] - This case may prompt a regulatory push for compliance upgrades in cash management services, emphasizing the need for banks to balance client cooperation with risk isolation [9]

本报记者 张漫游 北京报道 Wind数据显示，截至5月14日收盘，A股银行板块总市值突破14万亿元，再创历史。同时多只银行股刷 新上市新高价。 分析银行板块上涨原因，业内人士认为，主要归因于三方面，一是无风险利率下行，股息率优势进一步 凸显；二是政策引导险资入市，中长期资金可期；三是公募基金高质量发展，强调业绩基准。下一步， 银行板块还会上涨多久？ 市场分析认为，此轮银行股价上涨与近期一系列政策有关。5月7日，各部委负责人宣布了一揽子稳定市 场预期的金融政策，其中全面降准0.5%、政策利率下调10bp等。鑫元基金方面分析认为，上述政策意 味着后续的无风险利率还将有进一步下行的空间，银行作为防御属性高股息资产的性价比进一步凸显。 同时，早在今年1月23日，六部门联合发布了中长期资金入市新规，明确规定公募基金未来三年每年A 股持仓增长10%，险资新增保费30%投入A股，实施三年以上长周期考核，强化价值投资导向，助力市 场稳定运行。5月，国家金融监督管理总局再次表示下一步将进一步扩大保险资金长期投资试点范围， 近期拟再批复600亿元，为市场注入更多增量资金。 据光大证券不完全统计，今年以来，险资已6次举牌银行股。截 ...

Group 1 - Beijing Bank has received a lawsuit notification from the Suzhou Intermediate People's Court regarding a securities false statement liability dispute involving Kangde Xin Composite Materials Group Co., Ltd. [2] - The lawsuit was originally filed in 2022 and has now been transferred to the Suzhou court without changes to the claims or requests [2][4] - The plaintiff, Zhejiang Zhongtai Chuangying Asset Management Co., Ltd., is seeking compensation for investment losses amounting to approximately RMB 5.15 billion, along with additional fees [3][5] Group 2 - The defendants in the case include multiple parties, with Beijing Bank being one of them, alongside Kangde Xin and other entities [4] - The bank has assessed that the lawsuit will not have a substantial impact on its current or future profits, as it is not the primary defendant [5] - The bank will continue to monitor the lawsuit's progress and fulfill its information disclosure obligations as required by law [5]

证券代码：601169 证券简称：北京银行 公告编号：2025-029 北京银行股份有限公司 关于收到应诉通知书的公告 原告：浙江中泰创赢资产管理有限公司 被告一：康得新复合材料集团股份有限公司 被告二：北京银行股份有限公司西单支行 被告八：宇龙汽车（集团）有限公司 被告九：联合信用评级有限公司 1 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。 一、本次诉讼的基本情况 2025 年 5 月 13 日，北京银行股份有限公司（以下简称"本行"） 收到江苏省苏州市中级人民法院送达的（2025）苏 05 民初 450 号《应 诉通知书》，获悉本行涉及浙江中泰创赢资产管理有限公司以证券虚 假陈述责任纠纷对康得新复合材料集团股份有限公司提起的诉讼。本 案曾于 2022 年在江苏省南京市中级人民法院立案。本案现移送至苏 州中院受理，系存量案件，仅涉及管辖法院变更，诉讼请求等未发生 变化。截至本公告披露日，本次诉讼尚未开庭审理。 二、有关本次诉讼的基本情况 （一）诉讼各方当事人 被告十：恒泰长财证券有限责任公司 被告十一：瑞华会计师事 ...

Core Viewpoint - Beijing Bank has successfully completed the 1.0 phase of its digital transformation and is set to enter the comprehensive digital operation 2.0 phase in 2025, emphasizing the importance of digitalization in enhancing business operations and risk management [2][6]. Financial Performance - As of the end of Q1 2025, Beijing Bank's total assets reached 4.47 trillion yuan, a growth of 5.87% from the beginning of the year; total deposits amounted to 1.81 trillion yuan, up 6.1%; total loans reached 1.45 trillion yuan, increasing by 8.1%; and retail AUM (Assets Under Management) stood at 1.26 trillion yuan, reflecting a year-on-year growth of 13.8% [2][5]. Business Development - The bank has focused on differentiated development, particularly in serving specialized and innovative enterprises, aiming to be the leading bank for such businesses and providing comprehensive lifecycle services [3][4]. - The "Lighthouse e-loan 4.0" product was launched to support specialized enterprises, achieving over 100 billion yuan in loans and serving more than 20,000 clients by the end of 2024 [4]. Retail Business Growth - Retail business revenue reached 24.941 billion yuan in 2024, with a year-on-year increase of 2.26%, and net interest income grew by 4.66% to 23.961 billion yuan [4]. - By the end of 2024, retail AUM reached 1.22 trillion yuan, a significant increase of 178.778 billion yuan, with a growth rate of 17.25% [5]. Digital Transformation - The bank's digital transformation is characterized by three comprehensive upgrades: technology capabilities, business models, and organizational structures, enhancing decision-making, product competitiveness, and risk management [6]. - The bank aims to leverage AI and data-driven strategies to enhance customer segmentation, channel integration, and product adaptation [6][9]. AI Integration - Beijing Bank is committed to becoming an AI-driven commercial bank, implementing a "All in AI" strategy to reshape its operational framework [7][8]. - The bank has developed its own large-scale AI model, "Jingzhi," and an AI innovation platform, providing over 190,000 knowledge retrieval and Q&A services [8]. - AI applications have led to reduced operational costs and improved efficiency, with innovations in customer service and technology development [9].