Core Points - The Beijing Financial Regulatory Bureau has approved the appointment of Sun Yi as the Deputy General Manager of the Beijing Branch of Bank of Beijing [1] - The approval requires the appointee to comply with relevant regulatory provisions and to report their onboarding status within three months [1] - The bank is responsible for ensuring that the appointee continues to learn and understand financial laws and regulations, and to maintain a strong risk compliance awareness [1]

Core Points - The Beijing Financial Regulatory Bureau has approved the appointment of Yao Yao as the Vice President of the Zhongguancun Branch of Beijing Bank [1] - The approval requires Yao Yao to comply with relevant regulatory provisions and to report her appointment status within three months [1] - Beijing Bank is responsible for ensuring that the approved personnel continue to learn and understand economic and financial laws and regulations [1] Summary by Sections - **Appointment Approval** - Yao Yao's qualification as Vice President of the Zhongguancun Branch has been officially approved [1] - **Regulatory Compliance** - The approved individual must adhere to the regulations set by the Financial Regulatory Bureau and report to the bank within a specified timeframe [1] - **Ongoing Education and Compliance** - Beijing Bank is tasked with ensuring that Yao Yao maintains a strong understanding of relevant laws and regulations, as well as her job responsibilities [1]

Group 1: Public Welfare Initiatives - Beijing Bank Jinan Branch launched the "Caring Activity" to support outdoor workers during high temperatures, providing immediate relief with cooling drinks and rest facilities [1][3] - The branch has established the "Jingxing Love Station" service across 36 outlets, offering free rest and hydration services for outdoor workers [3] - The bank's initiatives include a multi-functional public service matrix, integrating financial knowledge, elder care services, and community engagement [4][6] Group 2: Financial Literacy and Fraud Prevention - The bank emphasizes financial consumer education and fraud prevention as a core responsibility, conducting innovative public welfare activities [7] - Various outreach programs include online financial knowledge classes, community workshops, and partnerships with local organizations to enhance public awareness of fraud [9] - The bank has set up a fraud prevention base in its outlets, regularly hosting lectures and community events to educate different demographics [9] Group 3: Cultural and Educational Engagement - The bank organizes public viewing events for films that promote patriotism and fraud awareness, enhancing community engagement through cultural activities [10][12] - It aims to build an educational financial ecosystem by creating free research bases and developing financial literacy courses for students [22] - The bank's cultural initiatives include the "Four Places and Six Halls" cultural matrix, hosting numerous art exhibitions and educational events [25] Group 4: Environmental and Social Responsibility - The bank successfully held a tree-planting event, involving over 280 families and planting 320 trees, integrating environmental awareness with community engagement [13][15] - The "I+" Youth Volunteer Service Team was established to promote community service and social responsibility among employees [16] - The bank has contributed over 200,000 milliliters of blood through its blood donation initiatives, showcasing its commitment to social welfare [18] Group 5: Support for Vulnerable Groups - The bank collaborated with a foundation to auction artworks created by children with intellectual disabilities, raising funds for rehabilitation facilities [20] - It actively supports the elderly and vulnerable populations through tailored financial services and community programs [4][7]

Core Viewpoint - Beijing Bank has appointed Liu Yang as the new Secretary of the Board, who has extensive experience in financial technology and regulatory practices [1][2]. Group 1: Appointment Details - Liu Yang's appointment as Secretary of the Board was approved by the Beijing Regulatory Bureau of the National Financial Supervisory Administration on August 15 [1]. - Liu Yang, born in January 1975, holds a master's degree in economics and has previously served as the Director of the Office (Party Committee Office) and the Director of the Party Inspection Work Office at Beijing Bank [2]. Group 2: Professional Background - Liu Yang has a diverse background, having worked in the Beijing Military Region and at China Construction Bank before joining the Beijing Financial Work Bureau, where he led emergency anti-fraud efforts [3]. - He was the first head of the newly established Financial Technology Department at the Beijing Local Financial Supervision Administration, which was set up to promote financial technology planning and development [4]. Group 3: Contributions to Financial Technology - Under Liu Yang's leadership, the Financial Technology Department initiated the financial technology application pilot and innovation regulatory pilot in Beijing, which gained market attention for its compliance and consumer protection [4]. - Liu Yang played a significant role in the launch of the digital RMB pilot application in Beijing, witnessing its evolution from a single "station" to a comprehensive "street" and contributing to the development of the "Double Olympic City" [4].

Group 1 - The article discusses the contrasting performance of the stock and bond markets, highlighting a bullish stock market that recently surpassed 3800 points while the bond market remains volatile [2][6] - A specific mixed-asset financial product, "Autumn Series Ruiying 60-Day Holding Period No. 1 (Diverse)," was evaluated, showing a significant number of purchases (6427) on the bank's app [2][6] - The product's net value declined for three consecutive days despite the stock market's strong performance, indicating a disconnect between the product's performance and the broader market trends [6][10] Group 2 - The product employs a conservative investment strategy, with over 80% of its equity investments in preferred stocks and a low equity long position of around 1%, which limits its benefits from stock market gains [10][21] - The product's annualized return over the past month was only 1.87%, reflecting its conservative approach and the recent adjustments in the bond market [10][18] - The product received a score of 83, outperforming 85.96% of similar products, with strong risk control and a low maximum drawdown of 0.066% [12][19] Group 3 - The product's asset allocation as of the second quarter of 2025 consisted of 59.53% fixed income investments, 24.02% equity investments, and 11.46% in cash and bank deposits, indicating a diversified approach [21][22] - The product's fee structure is competitive, with a total fee of only 0.33%, ranking it favorably among its peers [14][19] - The investment strategy includes a cautious approach to equity investments, with plans to allocate a small percentage to public REITs and hedging strategies to mitigate market risks [21][24]

Core Viewpoint - The report from Kaiyuan Securities indicates that the total amount of high-interest fixed deposits maturing in 2025 for listed banks is approximately 39.7 trillion yuan, with a significant portion maturing in the first quarter [1] Group 1: Maturing Deposits - The estimated total of high-interest fixed deposits (2 years and above) maturing in 2025 is 39.7 trillion yuan, with 19.8 trillion yuan for 2-year, 17.4 trillion yuan for 3-year, and 2.5 trillion yuan for 5-year deposits [1] - The maturity schedule shows that 42% of these deposits will mature in Q1, followed by 16% in Q2, 18% in Q3, and 24% in Q4 [1] - An additional 19.6 trillion yuan of high-interest fixed deposits is expected to mature in the first half of 2026 [1] Group 2: Deposit Repricing and Cost Rate - The average cost rate for deposits is projected to decline to 1.61% in 2025 due to the repricing of fixed deposits, with quarterly rates expected to be 1.68%, 1.64%, 1.58%, and 1.53% for Q1, Q2, Q3, and Q4 respectively [5] - The repricing of fixed deposits is expected to improve the deposit cost rates by 11.7 basis points in Q1, 4.2 basis points in Q2, 5.7 basis points in Q3, and 5.1 basis points in Q4 [5] - For 2026, the average deposit cost rate is expected to further decline to 1.52% in the first half of the year [5] Group 3: Interest Rate Changes - The interest rate reduction for 2025 maturing 3-year deposits is estimated to be between 125 to 150 basis points, while 2-year deposits will see a reduction of 60 to 100 basis points [3] - The interest rate reduction for 2026 maturing deposits is projected to be 60 basis points for 2-year, 135 basis points for 3-year, and 145 basis points for 5-year deposits [4] Group 4: Investment Recommendations - Kaiyuan Securities suggests that the effective decrease in bank liability costs will alleviate the interest rate inversion phenomenon for government bonds, with a potential recovery in bond allocation space by Q4 2025 [6] - The report recommends investment in CITIC Bank and highlights beneficiaries such as Agricultural Bank of China, China Merchants Bank, Beijing Bank, Jiangsu Bank, Hangzhou Bank, and Chongqing Rural Commercial Bank [6]

Core Viewpoint - Beijing Bank's board announced the resignation of three independent directors due to the expiration of their terms, effective from the date the resignation letters were submitted to the board [1] Summary by Relevant Sections - Resignation Details - Zhang Guanghua, Zhao Lifeng, and Yang Yunjie submitted their written resignation reports [1] - The resignations are effective immediately upon submission to the board [1]

证券代码：601169 证券简称：北京银行 公告编号：2025-042 本行董事会谨此对张光华先生、赵丽芬女士、杨运杰先生为本行作出的贡献表示衷心感谢。 特此公告。 北京银行股份有限公司董事会 2025年8月16日 北京银行股份有限公司关于独立董事辞任的公告 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。 北京银行股份有限公司（简称"本行"）董事会于近日收到张光华先生、赵丽芬女士、杨运杰先生提交的 书面辞职报告。因任期届满，张光华先生、赵丽芬女士、杨运杰先生辞去本行独立董事及董事会相关专 门委员会职务。辞任自辞呈送达本行董事会之日起生效。 经张光华先生、赵丽芬女士、杨运杰先生确认，其与本行董事会无不同意见，亦无任何与其辞任有关的 事项需要通知本行股东。 ...

Core Viewpoint - The 2025 China International Service Trade Fair (CIFTIS) will feature a financial services section from September 10 to September 14 in Beijing, focusing on "Digital Intelligence Driving Open Win-Win" as its theme, aiming to showcase global financial innovation products and services, policy releases, and collaborative opportunities [3][4]. Group 1: Event Overview - The financial services section will include a large-scale exhibition with 92 domestic and foreign financial institutions participating, covering an area of 11,000 square meters [4]. - The exhibition will feature two main thematic areas: "Open Integration" showcasing various financial institutions and their contributions to the economy, and "Smart Sharing" focusing on the collaboration between financial institutions and leading technology companies [4]. Group 2: Participation and Innovation - Over 40 foreign financial institutions, including the Asian Infrastructure Investment Bank and HSBC, will present their innovative practices in cross-border financial services and fintech [5]. - The event will leverage AI technology to create an immersive exhibition experience, highlighting innovations in fintech from various institutions, such as the Agricultural Bank's VR property viewing service and the Industrial and Commercial Bank's large-scale financial model [6][7]. Group 3: Forums and Discussions - The event will host over 30 forums and discussions, attracting 3,000 to 4,000 participants, focusing on global financial trends and the integration of finance with the real economy [8][9]. - Key topics will include high-quality financial development, risk management, and green finance, with various financial institutions conducting specialized sessions [9]. Group 4: Beijing's Role and Innovations - Beijing will showcase its role as a national financial management center, highlighting innovative financial services and products that support urban development and national strategies [10]. - Notable innovations include the "Mifang Card" for foreign tourists and a commercial space insurance consortium led by China Insurance [10]. Group 5: Interactive Experiences - The event will emphasize interactive experiences, with various engaging activities planned by participating institutions to enhance public engagement with financial services [11]. - Activities will include creative displays and educational games focused on financial literacy and anti-money laundering [11].

Group 1 - The core point of the article is the resignation of three independent directors from Beijing Bank due to the expiration of their terms [1] - Zhang Guanghua, Zhao Lifeng, and Yang Yunjie submitted their written resignation reports to the board [1] - The resignations will take effect from the date the resignation letters are delivered to the bank's board [1]