证券代码：601169 证券简称：北京银行 公告编号：2025-028 北京银行股份有限公司 关于召开2024年年度股东大会的通知 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 2024年年度股东大会 (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 5 月 21 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 5 月 21 日 至2025 年 5 月 21 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 9:15-15:00。 ...

证券代码：601169 证券简称：北京银行 公告编号：2025-027 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。 一、通过《关于<北京银行 2025 年第一季度报告>的议案》。 书面审核意见如下： 1.北京银行股份有限公司 2025 年第一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； 1 2.北京银行股份有限公司 2025 年第一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，未发现参与一季报编制和审议的人员有违 反保密规定的行为。 重要内容提示： 谭宁监事因公务未出席会议，委托李晓慧外部监事代为出席并 行使表决权。 北京银行股份有限公司（以下简称"本行"）监事会二〇二五年 第五次会议于 2025 年 4 月 28 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 18 日以电子邮件方式发出。本次监事 会应到监事 ...

北京银行股份有限公司董事会决议公告 证券代码：601169 证券简称：北京银行 公告编号：2025-026 表决结果：9 票赞成，0 票反对，0 票弃权。 二、通过《关于<2025 年一季度不良资产处置情况的报告>的议案》。 表决结果：9 票赞成，0 票反对，0 票弃权。 三、通过《关于提名周一晨先生为董事候选人的议案》。同意提名 周一晨先生为本行董事候选人，任期三年，其任职资格尚需监管机构 核准。同意将该议案提交股东大会审议。 本议案已经本行董事会提名委员会审议通过，并同意将该议案提 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五 次会议于 2025 年 4 月 28 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 18 日以电子邮件方式发出。本次董事会应 到董事 9 名，实际到会董事 9 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 ...

Financial Performance - Net profit attributable to shareholders decreased by 2.44% year-on-year to RMB 7,672 million[6] - Basic earnings per share decreased by 2.70% to RMB 0.36[6] - The weighted average return on equity decreased by 1.08 percentage points to 11.31%[6] - Operating revenue was CNY 171.27 billion, a year-on-year decrease of 3.18%[22] - Net profit attributable to shareholders was CNY 76.72 billion, down 2.44% year-on-year[22] - The bank's net interest income for Q1 2025 was CNY 12.59 billion, slightly down from CNY 12.77 billion in Q1 2024[49] - The bank's total operating income for Q1 2025 was CNY 17.13 billion, a decrease from CNY 17.69 billion in Q1 2024[49] - The net profit for the first quarter of 2025 was 7,687 million RMB, showing a slight decrease from 7,883 million RMB in the same period of 2024[50] - The total comprehensive income for the first quarter of 2025 was 4,354 million RMB, compared to 9,478 million RMB in the first quarter of 2024, indicating a significant decline[50] - The basic and diluted earnings per share for the first quarter of 2025 were both 0.36 RMB, down from 0.37 RMB in the previous year[50] Asset and Liability Management - Total assets increased by 5.87% year-on-year to RMB 4,469,422 million[5] - Total liabilities amounted to CNY 4.11 trillion, up 6.30% year-to-date[22] - The net capital of the group as of March 31, 2025, is 381,771 million RMB, an increase from 367,022 million RMB at the end of 2024[17] - The bank's total liabilities reached CNY 4.11 trillion, an increase from CNY 3.86 trillion at the end of 2024[48] - The bank's total equity as of March 31, 2025, was CNY 363.02 billion, compared to CNY 358.34 billion at the end of 2024[48] Loan and Deposit Growth - Retail deposits reached CNY 778.69 billion, a 5.4% increase from the beginning of the year[24] - Individual loan balance was CNY 706.98 billion, reflecting a year-on-year growth of 4.29%[24] - The loan scale increased to CNY 1,452.5 billion, up CNY 108.7 billion, representing a growth rate of 8.09% year-on-year[34] - The company approved 28 key projects with a total credit amount exceeding CNY 58.4 billion during the reporting period[34] - The company's deposit scale reached CNY 1,810.5 billion, an increase of CNY 104.5 billion, with a growth rate of 6.13% compared to the beginning of the year[34] Non-Performing Loans and Risk Management - Non-performing loan ratio improved slightly to 1.30%, down by 0.01 percentage points from the previous year[5] - The provision coverage ratio decreased by 10.67 percentage points to 198.08%[5] Customer and Market Engagement - The number of ordinary shareholders at the end of the reporting period was 140,289[9] - The largest shareholder, ING BANK N.V., holds 13.03% of the shares[9] - The number of retail customers exceeded 31 million, with high-end customer contributions increasing[24] - The company effectively served over 31,780 clients, enhancing customer acquisition through a diversified channel layout[35] - The "京行 e 链通" service reached over 26,000 clients, a year-on-year increase of 49%[38] Financial Market and Investment Activities - The financial market business scale reached CNY 4.90 trillion, a growth of 5.72% compared to the beginning of the year[45] - The bank's bill trading achieved a profit of CNY 5.01 billion, with a year-on-year increase of 21.81%[45] - The total assets under custody amounted to CNY 2.57 trillion, reflecting a growth of 12.9% since the beginning of the year[46] - The bank's investment income for Q1 2025 was CNY 4.18 billion, up from CNY 3.46 billion in Q1 2024[49] Cash Flow Analysis - The cash flow from operating activities showed a net outflow of RMB 11,611 million[6] - The net cash flow from operating activities for the first quarter of 2025 was -11,611 million RMB, slightly improved from -12,098 million RMB in the same period of 2024[51] - The net cash flow from investing activities for the first quarter of 2025 was -78,666 million RMB, a substantial increase from -9,500 million RMB in the first quarter of 2024[52] - The net cash flow from financing activities for the first quarter of 2025 was 72,694 million RMB, a significant recovery from -19,811 million RMB in the same period of 2024[52] - The total cash and cash equivalents at the end of the first quarter of 2025 stood at 381,859 million RMB, up from 278,041 million RMB at the end of the first quarter of 2024[52] - The net increase in deposits and interbank placements for the first quarter of 2025 was 135,739 million RMB, compared to 127,731 million RMB in the same period of 2024[51] - The cash received from investment activities in the first quarter of 2025 was 190,056 million RMB, compared to 130,621 million RMB in the first quarter of 2024[52] - The cash paid for investments in the first quarter of 2025 was 268,550 million RMB, significantly higher than 139,577 million RMB in the same period of 2024[52] Capital and Regulatory Ratios - The core Tier 1 capital ratio is 8.64% as of March 31, 2025, down from 8.95% at the end of 2024[17] - The leverage ratio is 6.80% as of March 31, 2025, compared to 7.08% at the end of 2024[19] - The liquidity coverage ratio is 141.97%, with qualified liquid assets amounting to 547,048.72 million RMB[20] Strategic Initiatives - The company is focusing on deepening transformation, solidifying customer base, and accelerating digital transformation[21] - The company launched new credit card products targeting young consumers and pet owners, enhancing its brand presence in the market[31]

北京银行（601169）公告，2025年第一季度营收为171.27亿元，同比下降3.18%；净利润为76.72亿元， 同比下降2.44%。 ...

2025.04. 28 本文字数：2511，阅读时长大约4分钟 导读 ：相较于传统金店，银行正成为年轻人的"淘金圣地"。 作者 | 第一财经 王方然 近期，国际金价剧烈波动，却意外点燃了年轻人的"淘金热"。 4月22日，COMEX黄金期货、伦敦现货黄金分别突破3500美元/盎司，创历史新高，随后开始回 落。截至28日记者发稿，COMEX黄金期货日内跌0.32%，报3288美元/盎司，伦敦金现日内跌 1.12%，报3281美元/盎司。 金价回调后，有人高位套牢，也有人逢低加仓。第一财经记者注意到，不少投资者将银行APP视 为"数字金店"，通过积存金、黄金ETF等产品低买高卖，甚至频繁兑换实体黄金。 黄金短期波动加剧下，已有银行悄然上调积存金起购门槛，部分实体黄金产品出现"售罄"或暂停交 易。银行正在黄金热潮带来的商机与风控间寻找平衡。 热衷银行购金 相较于传统金店，银行正成为年轻人的"淘金圣地"。 "我把银行APP当金店逛。"广东深圳一名95后黄金投资者阿芳（化名）告诉记者，尤其是在金价频繁 波动的阶段，每天都会抽时间看看持仓的积存金价格。价格降了就补仓，涨了就出手。偶尔兑换些实 体黄金。去年初至今，她持仓的积 ...

Core Insights - Regional banks in China have shown stable growth in asset size and revenue for 2024, with several banks surpassing significant milestones in both categories [1][2] Group 1: Asset Growth - As of the end of 2024, six regional banks have surpassed an asset scale of 2 trillion yuan, including Beijing Bank with an asset total of 4.22 trillion yuan, a 12.61% increase from 2023 [1] - Hangzhou Bank's asset total reached 2.11 trillion yuan, marking a 14.72% year-on-year growth, achieving a significant milestone [1] - Other banks like Chengdu Bank and Changsha Bank also joined the "trillion club," while several others maintained over 10% growth in asset size [1] Group 2: Revenue Growth - A-share listed regional banks maintained overall revenue growth in 2024, with Jiangsu Bank leading at 808.15 million yuan, an 8.78% increase [2] - Non-interest income has been a major contributor to revenue growth, with Shanghai Bank's non-interest net income reaching 204.99 million yuan, a 33.11% increase [2] Group 3: Investment Income - The bond market bull run in 2024 significantly boosted investment income for regional banks, with Shanghai Bank reporting a 94.42% increase in investment income to 131.66 million yuan [3] - Other banks like Hangzhou Bank and Jiangsu Bank also saw substantial growth in investment income, contributing to overall revenue recovery [3] Group 4: Profitability - Leading banks in terms of net profit include Jiangsu Bank with 318.43 million yuan, followed by Ningbo Bank and Beijing Bank [4] - The fastest-growing banks in net profit were Qingdao Bank, Hangzhou Bank, and Qilu Bank, with growth rates of 20.16%, 18.07%, and 17.77% respectively [4] Group 5: Challenges and Asset Quality - Some banks faced revenue or net profit declines, such as Zhengzhou Bank with a 5.78% drop in revenue [5] - The non-performing loan (NPL) ratio for regional banks remained stable, with most banks reporting ratios between 0.66% and 1.79% [5] - Regional banks are increasing credit support for key sectors like technology and manufacturing, while also focusing on retail and digital transformation strategies [5]

Group 1 - The resignation of Jin Yu as chairman of Shanghai Bank due to age marks a significant leadership change, with Gu Jianzhong appointed as the new party secretary [2] - Wang Liang, the chairman of China Merchants Bank, reported a slight decline in operating income for 2024, while net profit showed a modest increase, reflecting the challenges faced by the banking sector [4][6] - Gao Yingxin, chairman of Minsheng Bank, reported the worst performance in nearly a decade, with a significant drop in both operating income and net profit, despite being the highest-paid executive in the A-share listed banks [8][9] Group 2 - Lu Jianqiang, chairman of Zheshang Bank, introduced the concept of "good financial practices" as a guiding principle for the bank's operations, emphasizing a new financial paradigm [9][11] - The upcoming retirement of several bank executives, including those from major banks, is expected to lead to a wave of leadership changes that could impact strategic direction and corporate culture [22][23] - The implementation of an elastic retirement policy starting in 2025 may allow banks to retain key executives beyond the statutory retirement age, potentially stabilizing leadership during transitions [27]

Core Viewpoint - Banks are becoming the preferred choice for young investors seeking gold, as they offer more flexible and accessible investment options compared to traditional gold shops [2][3]. Group 1: Market Trends - Recent fluctuations in international gold prices have sparked a surge in interest among young investors, with COMEX gold futures and London spot gold reaching historical highs of over $3500 per ounce before experiencing a pullback [2]. - Many investors are utilizing bank apps as "digital gold stores," engaging in activities such as accumulating gold, trading gold ETFs, and frequently exchanging for physical gold [2][3]. Group 2: Banking Sector Response - Banks have seen a significant increase in gold trading volumes, with Minsheng Bank reporting a gold trading volume of 2405.66 tons and a transaction amount of 13494.98 billion yuan in its 2024 financial report [3]. - In response to the influx of investors, several banks have raised the minimum purchase thresholds for gold accumulation products, with new thresholds ranging from 800 to 1000 yuan [4]. Group 3: Product Availability - Some banks have experienced intermittent shortages or pauses in the availability of physical gold products, with reports of certain gold items being sold out or requiring advance reservations for purchase [5][7]. - The demand for physical gold has led to temporary closures of purchasing channels for certain gold products at banks, indicating a strain on supply [7]. Group 4: Financial Performance - The total precious metal asset scale of 18 listed banks reached 7708.78 billion yuan by the end of 2024, marking a 70.2% increase from the end of 2023 [10]. - Major state-owned banks have shown significant growth in their precious metal asset scales, with the combined total for ICBC, Bank of China, CCB, and ABC reaching 6415 billion yuan, a growth of approximately 83.23% [10]. Group 5: Revenue Generation - The surge in gold trading has positively impacted banks' non-interest income, with banks earning from various fees associated with gold accumulation products, including transaction fees and price differentials [12]. - Banks are actively optimizing their gold trading services, extending trading hours and promoting gold accumulation products to enhance customer engagement [12][13]. Group 6: Technological Advancements - Banks are leveraging technology to improve gold trading processes, with initiatives to develop intelligent systems for efficient order processing and market analysis [13]. - Digital tools are being utilized to enhance customer service and product offerings in the gold market, reflecting a shift towards more tech-driven solutions in banking [13].

Core Viewpoint - The article highlights Beijing Bank's significant achievements in 2024, driven by macroeconomic policies aimed at supporting the real economy and enhancing consumption through various financial innovations and services [2][3]. Group 1: Financial Innovations and Product Offerings - Beijing Bank has launched specialized financial products such as "Linghang e-loan" for specialized and innovative enterprises, with cumulative loans exceeding 106.8 billion yuan by the end of 2024, marking a growth of 33.8 billion yuan since the beginning of the year [3][4]. - The bank's green finance initiatives include products like "Waste-Free Loan" and "Water-Saving Loan," with a total green loan balance reaching 210.35 billion yuan, a growth rate of 43.11% [3][4]. - The introduction of a microfinance coordination mechanism and a unified financing application platform has facilitated a 28.3% increase in inclusive finance loans, totaling 310.61 billion yuan by the end of 2024 [4][5]. Group 2: Support for Key Sectors - Beijing Bank has actively supported the manufacturing sector's transformation, with manufacturing loans growing by 36% to 237.6 billion yuan, and medium to long-term loans increasing by 67% to 122.7 billion yuan [6][7]. - The bank has also focused on cultural industry financing, achieving a loan balance of 116.64 billion yuan, reflecting a growth of 32.39% [7]. - In rural revitalization efforts, the bank's agricultural loans reached 117.34 billion yuan, with a notable increase of 250.58 billion yuan since the beginning of the year [8]. Group 3: Consumer Finance and Digital Transformation - Beijing Bank has enhanced consumer finance offerings, with the "Jing e-loan" product growing by 109% by the end of 2024, and the credit card business seeing a 16% increase in new customers [9][10]. - The bank has successfully launched the first public REITs for consumer goods in Beijing, contributing to the growth of consumption-driven financial products [9]. - Digital financial services have expanded significantly, with the bank facilitating over 100 billion yuan in digital currency transactions throughout the year [5][9]. Group 4: New Citizen Financial Services - The bank has implemented twelve initiatives to improve financial services for new citizens, providing over 26 billion yuan in entrepreneurial loans and 38 billion yuan in housing loans [10]. Group 5: Retail Business Performance - By the end of 2024, Beijing Bank's retail loan balance surpassed 700 billion yuan, maintaining a leading position among city commercial banks, with retail revenue reaching 24.94 billion yuan, a year-on-year growth of 2.26% [11].