证券代码：601169 证券简称：北京银行 公告编号：2025-014 北京银行股份有限公司董事会决议公告 表决结果：10 票赞成，0 票反对，0 票弃权。 三、通过《关于<北京银行绿色金融三年发展战略规划（2025-2027 年）>的议案》。 表决结果：10 票赞成，0 票反对，0 票弃权。 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四 次会议于 2025 年 4 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 4 月 1 日以电子邮件方式发出。本次董事会应到 董事 10 名，实际到会董事 10 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： 一、通过《关于<2024 年度经营情况和 2025 年度工作计划>的议 案》。 表决结果：10 票赞成，0 票反对，0 票弃 ...

Financial Performance - Total assets reached RMB 4.22 trillion, an increase of 12.61% year-on-year[12] - Operating income was RMB 69.917 billion, a year-on-year growth of 4.81%[12] - Net profit attributable to shareholders was RMB 25.831 billion, up 0.81% year-on-year[12] - The total assets reached RMB 4,221.542 billion, up from RMB 3,748.679 billion in 2023[49] - The total liabilities increased to RMB 3,863.202 billion, compared to RMB 3,420.447 billion in 2023[49] - The company's operating revenue for 2024 reached RMB 69,917 million, representing a 4.81% increase from RMB 66,711 million in 2023[62] - Net profit attributable to shareholders of the parent company was RMB 25,831 million, a 0.81% increase compared to RMB 25,624 million in 2023[62] - The net cash flow from operating activities surged to RMB 129,547 million, marking a significant increase of 208.61% from RMB 41,978 million in 2023[62] - The total equity of shareholders increased to RMB 358,340 million, reflecting a net increase of RMB 30,156 million during the reporting period[91] - The company achieved net interest income of CNY 51.91 billion in 2024, a year-on-year increase of 3.10%[168] - Non-interest income reached CNY 18.01 billion in 2024, reflecting a year-on-year growth of 10.06%[173] Loan and Deposit Growth - Technology finance loan balance reached RMB 364.279 billion, growing at a rate of 40.52%[14] - Green finance loan balance was RMB 210.350 billion, with a growth rate of 43.11%[14] - Inclusive finance loan balance stood at RMB 310.614 billion, increasing by 28.30%[14] - The balance of inclusive finance loans was RMB 306.14 billion, with a growth rate of 28.30%[59] - The balance of technology finance loans was RMB 364.279 billion, showing a growth of 40.52%[59] - The company's loan issuance and advances totaled RMB 2.21 trillion, up 9.65% from RMB 2.02 trillion in 2023[70] - Total deposits reached CNY 2.45 trillion, with a year-on-year increase of 18.34%[109] - The company's RMB corporate deposits reached 1,677.3 billion, an increase of 251.9 billion or 17.67% year-to-date, marking a historical high[143] - The average daily RMB corporate loan balance was 1,272.6 billion, up 159.5 billion or 14.33% year-to-date[143] Risk Management and Compliance - Non-performing loan ratio decreased to 1.31%, with a provision coverage ratio of 208.75%[12] - The non-performing loan ratio was 1.43% in 2024, slightly up from 1.31% in 2023[58] - The provision coverage ratio improved to 216.78% in 2024, compared to 208.75% in 2023[58] - The bank is committed to enhancing risk management and compliance culture, launching initiatives like "Risk Management Improvement Year" and "Compliance Culture Construction Year"[20] - The bank's risk monitoring system continuously iterates models to enhance precision in risk control across all channels[199] Digital Transformation and Innovation - The bank aims to strengthen its digital transformation and innovation in financial services, focusing on six major innovative financial areas[20] - The company is focused on digital transformation and innovation in financial services, aiming for a customer-centric approach[36] - The digital wealth management system has been built with over 190 service upgrades and 3,000+ optimized function pages, enhancing customer experience[186] - The bank's technology finance loan balance reached CNY 364.279 billion, an increase of CNY 105.043 billion, representing a growth rate of 40.52% compared to the beginning of the year[200] - The bank executed 63 technology innovation bills with a total amount of CNY 31.372 billion, showing a year-on-year growth of 56.08%[200] Customer Base and Services - The number of personal pension accounts exceeded 1.7 million, reflecting the bank's expansion in pension finance services[14] - Retail AUM reached CNY 1.22 trillion, a growth of 17.25% compared to the beginning of the year[110] - Retail customer base surpassed 30.7 million, an increase of 1.63 million from the beginning of the year[110] - The number of credit card new customers increased by 528,000, a year-on-year increase of 16%[129] - The bank's wealth management product offerings and scale doubled year-on-year, with the proportion of dividend insurance products nearing 50% by year-end[138] Strategic Initiatives - The bank aims to complete the "thousand billion action" target for specialized and innovative enterprises ahead of schedule, with a loan balance of RMB 106.8 billion[18] - The bank's strategic focus includes promoting green transformation and leveraging AI to reshape various industries[20] - The company has implemented a strategy focusing on supporting technological innovation and green loans, enhancing its service to the real economy[103] - The company plans to enhance its investment banking capabilities and optimize its income structure in 2025[174] Market Position and Recognition - In 2024, Bank of Beijing ranked 51st among the world's top 1,000 banks by Tier 1 capital according to The Banker magazine[31] - The brand value of Bank of Beijing reached 103.662 billion CNY, ranking 85th in the "China's 500 Most Valuable Brands" list[31] - The company was awarded multiple accolades, including the "Best M&A Management Award" from the All-China M&A Association, highlighting its competitive position in the investment banking sector[159]

（一）利润分配方案的具体内容 证券代码：601169 证券简称：北京银行 公告编号：2025-016 北京银行股份有限公司 2024 年度利润分配预案公告 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、利润分配方案内容 经毕马威华振会计师事务所（特殊普通合伙）审计，2024 年度 北京银行股份有限公司（以下简称"本行"）合并报表口径归属于母公 司普通股股东的净利润为人民币 225.48 亿元。经董事会决议，本次 利润分配方案如下： 1 分配比例：2024 年度末期每股派发现金股利 0.200 元（含税）， 叠加中期已派发的现金股利，2024 年度每股合计派发现金股利 0.320 元（含税） 本次利润分配以实施分红派息股权登记日登记的本行普通股总股 本为基数，具体股权登记日期将在分红派息实施公告中明确 不触及《上海证券交易所股票上市规则》（以下简称"《股票上市 规则》"）第 9.8.1 条第一款第（八）项规定的可能被实施其他风 险警示的情形 本次利润分配预案尚待本行 2024 年年度股东大会审议通过后 ...

Group 1 - The core point of the article is that Beijing Bank (601169) reported a revenue of 69.917 billion yuan for 2024, reflecting a year-on-year growth of 4.81% [1] - The net profit attributable to shareholders of the parent company reached 25.831 billion yuan, showing a slight increase of 0.81% year-on-year [1] - The company announced a cash dividend distribution of 4.229 billion yuan for the 2024 fiscal year, with a payout of 3.2 yuan for every 10 shares held by ordinary shareholders [1]

Core Insights - The 2025 Q1 Bloomberg China Bond Underwriting Rankings reveal significant trends in the bond market, highlighting the performance of various banks and securities firms in the issuance of bonds [2][3]. Group 1: Market Overview - The total issuance of Panda bonds in 2024 exceeded 208.25 billion RMB, while in Q1 2025, the issuance by foreign institutions in the domestic market reached 41.6 billion RMB, showing a decrease of 38.28% compared to the same period last year [4]. - The overall issuance of domestic credit bonds in Q1 2025 was approximately 3.77 trillion RMB, reflecting a decline of about 12.61% year-on-year [6]. - The issuance of interbank certificates of deposit increased to approximately 8.35 trillion RMB in Q1 2025, up 11.97% from the previous year [10]. Group 2: Rankings and Performance - In the Bloomberg Q1 2025 China Bond Rankings, the top three positions were held by Bank of China (5.918%), CITIC Bank (5.675%), and Industrial Bank (5.297%) [7]. - For corporate bonds, CITIC Securities (13.450%), CITIC Jiantou (9.988%), and former Guotai Junan Securities (8.053%) maintained their top three positions [7]. - In the offshore RMB bond rankings (excluding certificates of deposit), the top three were held by Amundi (12.248%), HSBC (7.117%), and Standard Chartered Bank (5.021%) [7]. Group 3: Local Government Bonds - The issuance of local government bonds in Q1 2025 was approximately 2.66 trillion RMB, a significant increase of about 78.26% year-on-year [12]. - The issuance included about 0.38 trillion RMB in general bonds and approximately 2.28 trillion RMB in special bonds, with debt resolution remaining a key focus [12]. Group 4: Offshore Bond Market - The issuance of offshore bonds (excluding certificates of deposit) by Chinese enterprises exceeded 401.4 billion RMB in Q1 2025, marking a year-on-year growth of approximately 35.36% [16]. - The issuance of "Kung Fu Bonds" surpassed 30 billion USD (approximately 219.2 billion RMB), showing a significant increase of over 122.20% compared to the previous year [16].

2025 年度"提质增效重回报"行动方案 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。 2025 年，北京银行股份有限公司（以下简称"本行"）深入贯 彻党的二十大、二十届三中全会、中央金融工作会议和中央经济工作 会议精神，胸怀"国之大者"，牢记"人民至上"初心，坚守"首都 银行"定位，践行金融工作的政治性、人民性，在加快自身高质量发 展的同时，为利益相关方创造更大价值。本行结合自身发展战略和经 营情况，制定了 2025 年度"提质增效重回报"行动方案，具体内容 如下： 证券代码：601169 证券简称：北京银行 公告编号：2025-013 北京银行股份有限公司 一、全力做好金融"五篇大文章"，提升经营发展质效 本行紧扣国家战略导向，坚持把服务实体经济作为根本宗旨，围 绕科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文 章"，全面提升金融服务理念、能力和质效。打造科技金融全生命周 期服务体系，精准服务初创期、成长期、成熟期科技型企业；服务经 济社会发展全面绿色转型，加强绿色金融产品服务创新；将普惠金融 服务进一 ...

- The "CSI Smart High Dividend Strategy Index" was launched by the China Securities Index Company in 2024 to optimize traditional dividend stock selection logic through dynamic screening mechanisms and volatility control rules[2][32] - The index selects 50 stocks with continuous dividends and high expected dividend yields, using a "expected dividend yield" selection method combined with a dividend yield and volatility weighting mechanism to avoid the "high dividend trap" and ensure selected stocks have stable dividend capabilities and low volatility[2][32][39] - The index's construction process includes selecting stocks with continuous dividends over the past three years, calculating the expected dividend yield based on disclosed cash dividend plans, and weighting by the ratio of dividend yield to volatility[39][41] - The index has shown superior performance with higher annualized returns, lower volatility, and smaller maximum drawdowns compared to other dividend indices, demonstrating its value in long-term asset allocation[2][33][37] Model Performance Metrics - CSI Smart High Dividend Strategy Index, annualized return: 19.66%, annualized volatility: 24.60%, Sharpe ratio: 0.88, maximum drawdown: 64.82%[37] - Dividend Low Volatility 100 Total Return Index, annualized return: 17.87%, annualized volatility: 24.47%, Sharpe ratio: 0.81, maximum drawdown: 64.02%[15][37] - CSI Dividend Total Return Index, annualized return: 14.14%, annualized volatility: 25.86%, Sharpe ratio: 0.75, maximum drawdown: 72.13%[15][37] - CSI All Share Total Return Index, annualized return: 11.00%, annualized volatility: 26.29%, Sharpe ratio: 0.50, maximum drawdown: 71.48%[15] Factor Construction and Evaluation - The "expected dividend yield" factor is constructed by calculating the dividend yield based on disclosed cash dividend plans and adjusting for stock price at the end of April[39][41] - The factor is evaluated positively for its ability to avoid the "high dividend trap" and ensure selected stocks have stable dividend capabilities and low volatility[2][39] - The index's weighting method, which uses the ratio of dividend yield to volatility, effectively controls annualized volatility and enhances risk-adjusted returns[39][41] Factor Performance Metrics - CSI Smart High Dividend Strategy Index, dividend yield: consistently higher than other dividend indices during the period from September 30, 2024, to March 31, 2025[38] - The index's constituent stocks have a net asset return rate of approximately 10.5% and the lowest asset-liability ratio among compared dividend indices, indicating high profitability and low debt risk[54][56]

2025年4月16日 北京银行股份有限公司 2025年第二次临时股东大会会议材料 （股票代码：601169） 中国·北京 | 会 | 议 | 议 | 程 I | | --- | --- | --- | --- | | 会 | 议 | 须 | 知 II | | 议案一 | | | 关于选举戴炜先生为董事的议案 1 | | 议案二 | | | 关于选举王雪松女士为独立董事的议案 3 | 股份有限公司 2025 年第二次临时股东大会 会 议 材 料 会 议 议 程 议 程 内 容 四、 审议议案 五、 股东发言或提问 I 会议时间：2025 年 4 月 16 日上午 9:00 会议地点：北京银行总行三层新闻发布厅 召开方式：现场会议+网络投票 召 集 人：本行董事会 会 议 须 知 为维护全体股东的合法权益，确保股东大会会议秩序和议事效率，根据 《中华人民共和国公司法》《上市公司股东大会规则》《北京银行股份有限公 司章程》和《北京银行股份有限公司股东大会议事规则》等相关规定，特制 定本须知。 股东参加股东大会依法享有发言权、质询权、表决权等权利。股东参加 股东大会，应认真履行其法定权利和义务，不得侵犯其他股东的合法 ...

Investment Rating - Investment rating: Positive (maintained) [1] Core Viewpoints - The report emphasizes that the dividends are stable and sustainable, driven by steady growth and cyclical trends [6] - The banking sector is expected to show stable performance in Q1 2025, continuing the revenue and net profit growth momentum from Q4 2024 [6] - The report highlights the importance of government bond issuance and its impact on social financing, predicting an increase in social financing in March 2025 [4] Summary by Sections Credit Forecast - In March, new RMB loans are expected to increase by approximately 3.1 trillion yuan, with a year-on-year growth rate of 7.2% [3] - Corporate loans are projected to contribute about 2.3 trillion yuan, supported by sufficient project reserves and government bond issuance [3] - Retail loans are expected to add around 900 billion yuan, primarily driven by mortgage demand [3] Social Financing Prediction - Social financing is anticipated to increase by about 5 trillion yuan in March, with a stock growth rate of 8.2% [4] - The acceleration of government bond issuance is expected to significantly support social financing [4] Monetary Supply Prediction - M2 is projected to grow by 7.1% year-on-year in March, with a slight increase in the month-on-month growth rate [5] - The report attributes the expected rise in monetary growth to increased fiscal spending and improved corporate liquidity [5] Investment Recommendations - The report recommends maintaining a focus on dividend strategies, particularly in state-owned banks, which are expected to benefit from stable dividends and valuation recovery [6] - Specific stock recommendations include CITIC Bank, Agricultural Bank of China, and China Merchants Bank, with a cyclical logic favoring Suzhou Bank and its peers [6]

Group 1 - The company will hold the 2024 annual performance briefing on April 15, 2025, from 15:30 to 17:00 [1][2] - The briefing will be conducted both in-person and via live streaming, with multiple online platforms available for investors to join [2][3] - Investors can submit questions via email to the company before April 11, 2025, and the company will address common concerns during the briefing [3][4] Group 2 - The briefing aims to provide a comprehensive understanding of the company's 2024 operational results and financial status [2] - Participants will include the company's board of directors, senior management, and independent director representatives [2] - After the briefing, investors can access the main content and details of the event through the Shanghai Stock Exchange's roadshow center [4]