Financial Performance - Revenue for the third quarter was RMB 16,215 million, a decrease of 0.67% year-over-year[2] - Net profit attributable to shareholders of the parent company was RMB 6,039 million, an increase of 0.73% year-over-year[2] - Basic earnings per share were RMB 0.29, an increase of 3.57% year-over-year[2] - Weighted average return on equity (ROE) decreased by 0.69 percentage points to 9.19%[2] - Revenue for the first nine months of 2024 was 51.759 billion yuan, a year-on-year increase of 4.06%, with net profit attributable to parent company shareholders at 20.618 billion yuan, up 1.90%[18] - Net interest income for the first nine months of 2024 was RMB 38,556 million, up from RMB 37,545 million in the same period of 2023[42] - Net profit attributable to shareholders of the parent company was RMB 20,618 million for the first nine months of 2024, compared to RMB 20,233 million in the same period of 2023[42] - Basic earnings per share for the first nine months of 2024 were RMB 0.95, up from RMB 0.93 in the same period of 2023[43] - Other comprehensive income after tax attributable to shareholders of the parent company was RMB 3,511 million for the first nine months of 2024, compared to RMB 1,657 million in the same period of 2023[43] - Total comprehensive income attributable to shareholders of the parent company was RMB 24,129 million for the first nine months of 2024, up from RMB 21,890 million in the same period of 2023[43] - Total operating income reached RMB 50,104 million in the first nine months of 2024, up from RMB 48,138 million in the same period of 2023[50] - Net interest income increased to RMB 37,267 million in the first nine months of 2024, compared to RMB 36,321 million in the same period of 2023[50] - Net profit rose to RMB 20,097 million in the first nine months of 2024, up from RMB 19,700 million in the same period of 2023[50] - Comprehensive income for the first three quarters of 2024 totaled 23,587 million RMB, an increase from 21,357 million RMB in the same period of 2023[51] Asset and Liability Management - Total assets reached RMB 4,027,327 million, an increase of 7.43% compared to the end of the previous year[3] - Total assets reached 4,027.327 billion yuan, an increase of 7.43% compared to the beginning of the year, while total liabilities amounted to 3,672.244 billion yuan, up 7.36%[18] - Total assets increased to RMB 4,027,327 million as of September 30, 2024, compared to RMB 3,748,679 million at the end of 2023[40] - Total liabilities increased to RMB 3,672,244 million as of September 30, 2024, compared to RMB 3,420,447 million at the end of 2023[41] - Total assets increased to RMB 3,701,507 million as of September 30, 2024, up from RMB 3,376,561 million at the end of 2023[47] - Total liabilities rose to RMB 3,618,173 million as of September 30, 2024, compared to RMB 3,376,561 million at the end of 2023[48] Loan and Deposit Performance - The company's loan principal balance was 2,170.482 billion yuan, an increase of 7.69% from the beginning of the year, accounting for 53.89% of total assets[18] - Deposit principal balance reached 2,371.743 billion yuan, a 14.59% increase from the beginning of the year, accounting for 64.59% of total liabilities[19] - Loans and advances grew to RMB 2,118,074 million, up from RMB 1,964,791 million at the end of 2023[40] - Deposits increased to RMB 2,406,030 million, compared to RMB 2,101,031 million at the end of 2023[41] - Savings deposit scale exceeded 700 billion yuan, reaching 708.997 billion yuan, a 9.6% increase from the beginning of the year, with core deposits growing by 18.37%[22] - The company's RMB corporate deposits reached 16,209 billion yuan, a 13.71% increase from the beginning of the year, with core deposits growing by 722 billion yuan[30] - RMB corporate loans (excluding discounts) exceeded 1.2 trillion yuan, reaching 12,303 billion yuan, a 10.52% increase from the beginning of the year[30] Risk Management - Non-performing loan ratio decreased by 0.01 percentage points to 1.31%[3] - Provision coverage ratio decreased by 7.05 percentage points to 209.73%[3] - The non-performing loan ratio was 1.31%, a decrease of 0.01 percentage points from the beginning of the year[20] - The core tier 1 capital adequacy ratio of Beijing Bank was 9.11% as of September 30, 2024, compared to 9.21% at the end of 2023[14] - The total risk-weighted assets of Beijing Bank increased to 2,821,713 million RMB as of September 30, 2024, up from 2,619,504 million RMB at the end of 2023[14] - The leverage ratio of Beijing Bank was 7.36% as of September 30, 2024, compared to 7.15% at the end of 2023[15] - The adjusted on- and off-balance sheet assets of Beijing Bank reached 4,688,440 million RMB as of September 30, 2024, up from 4,466,233 million RMB at the end of 2023[15] Shareholder and Ownership Structure - ING Bank N.V. remains the largest shareholder with a 13.03% stake[6] - The top 10 shareholders collectively hold approximately 48.75% of the company's shares[6][7] - Beijing LianDong Investment (Group) Co., Ltd. held 327,752,780 shares at the beginning of the period, accounting for 1.55% of the total shares, and increased to 327,952,780 shares by the end of the period, maintaining the same percentage[8] - China Ping An Property Insurance Co., Ltd. held 13,800,000 preferred shares, representing 28.16% of the total preferred shares[10] Cash Flow and Liquidity - Net cash flow from operating activities increased by 589.10% year-to-date[5] - The company's liquidity coverage ratio stood at 141.33%, with qualified high-quality liquid assets totaling 479.1239 billion yuan[16] - Net cash flow from operating activities increased to RMB 7,325.8 million in the first nine months of 2024, up from RMB 1,063.1 million in the same period of 2023[45] - Total cash inflows from operating activities reached RMB 36,219.6 million in the first nine months of 2024, compared to RMB 32,857.7 million in the same period of 2023[45] - Net cash used in investing activities decreased to RMB 4,229.3 million in the first nine months of 2024, down from RMB 9,468.7 million in the same period of 2023[46] - Total cash inflows from investing activities surged to RMB 54,692.6 million in the first nine months of 2024, up from RMB 21,344.3 million in the same period of 2023[46] - Net cash flow from financing activities was RMB 1,894.2 million in the first nine months of 2024, compared to RMB 3,282.0 million in the same period of 2023[46] - Net cash flow from operating activities for the first three quarters of 2024 was 69,300 million RMB, a significant increase from 6,713 million RMB in the same period of 2023[52] - Cash inflows from investment activities for the first three quarters of 2024 were 546,523 million RMB, compared to 213,438 million RMB in the same period of 2023[53] - Cash outflows from investment activities for the first three quarters of 2024 were 584,772 million RMB, compared to 308,092 million RMB in the same period of 2023[53] - Net cash flow from financing activities for the first three quarters of 2024 was 18,974 million RMB, a decrease from 34,048 million RMB in the same period of 2023[53] - The company's cash and cash equivalents at the end of the third quarter of 2024 were 365,822 million RMB, an increase from 295,440 million RMB at the end of the same period in 2023[53] - The company's cash inflows from deposits and interbank placements increased to 210,192 million RMB in the first three quarters of 2024, compared to 164,245 million RMB in the same period of 2023[52] - The company's cash outflows for loan and advance disbursements were 158,359 million RMB in the first three quarters of 2024, a decrease from 192,400 million RMB in the same period of 2023[52] Business Growth and Customer Metrics - Retail customers surpassed 30 million, with AUM balance reaching 1,177.686 billion yuan, a year-on-year increase of over 162.5 billion yuan, or 16.01%[22] - Private banking clients reached 16,768, an increase of 2,784 from the beginning of the year, a growth rate of 19.9%, with private banking AUM at 190.2 billion yuan, up 21 billion yuan or 12.4%[22] - Private banking agency business grew steadily with a 9.91% increase in scale compared to the beginning of the year and a 7.61% year-on-year growth in sales volume for the first three quarters[27] - The issuance of linked products increased by 244.48% year-on-year, driving a 155.19% growth in custody scale compared to the beginning of the year[27] - The company served over 1.7 million "specialized, refined, and innovative" customers, a 38.40% increase from the beginning of the year[32] - The company's effective corporate customers reached 287,100 by the end of the reporting period[31] - The company's cooperation rate with Beijing municipal state-owned enterprises and their subsidiaries increased by 4.42 percentage points from the beginning of the year[31] - "Tong e Rong" has over 27,000 active application customers, accounting for nearly 80% of corporate online business applications[33] Specialized Financial Services - Technology finance, green finance, inclusive finance, and cultural finance loans grew by 32.97%, 31.35%, 20.92%, and 30.81% respectively from the beginning of the year[30] - The company's technology finance loan balance reached 3,447.09 billion yuan, a 32.97% increase from the beginning of the year[32] - The company's green loan balance reached 2,047.68 billion yuan, a 31.35% increase from the beginning of the year[32] - The balance of inclusive small and micro loans reached 288.07 billion yuan, an increase of 49.84 billion yuan from the beginning of the year, with a growth rate of 20.92%[33] - The balance of cultural financial loans reached 115.25 billion yuan, an increase of 27.15 billion yuan from the beginning of the year, with a growth rate of 30.81%[33] - The scale of large supply chain financial services exceeded 1 trillion yuan, a year-on-year increase of 71%[34] Capital Markets and Investment Activities - The total bond underwriting scale reached 265.88 billion yuan, ranking 8th in the market and 1st among city commercial banks[35] - The scale of science and innovation notes reached 27.55 billion yuan, leading among city commercial banks and ranking 5th in the market[35] - The scale of financial market management business reached 4.36 trillion yuan, an increase of 17.39% from the beginning of the year[36] - The total currency trading volume reached 18.4 trillion yuan, placing it in the first tier of the market[36] - The scale of entrusted assets reached 2,217.53 billion yuan, an increase of 37.51% from the beginning of the year[38] - The company completed the migration of the interbank system and fully launched the new interbank business system, achieving efficient online processing of the entire lifecycle of investment and financing business[39] - Financial investments increased to RMB 1,326,432 million as of September 30, 2024, compared to RMB 1,275,806 million at the end of 2023[40] - The company issued bonds worth 415,850 million RMB in the first three quarters of 2024, compared to 438,110 million RMB in the same period of 2023[53] - The company repaid debts worth 389,452 million RMB in the first three quarters of 2024, compared to 386,925 million RMB in the same period of 2023[53]

证券代码：601169 证券简称：北京银行 公告编号：2024-048 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"）董事会二〇二四年第 八次会议于 2024 年 10 月 30 日在北京召开，采用现场表决方式。会 议通知和材料已于 2024 年 10 月 18 日以电子邮件方式发出。本次董 事会应到董事13 名，实际到会董事13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》等有关法律、行政法规、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<北京银行 2024 年第三季度报告>的议案》。具 体内容详见本行在上海证券交易所披露的《北京银行股份有限公司 2024 年第三季度报告》。 本议案已经本行董事会审计委员会审议通过，并同意将该议案提 交董事会审议。 二、通过《关于<2024 年度中期利润分配预案>的议案》，同意提 请股东 ...

证券代码：601169 证券简称：北京银行 公告编号：2024-046 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。 重要内容提示： 会议通过决议如下： Praveen Khurana 董事因公务未出席会议，委托 Johannes Hermanus de Wit 董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"）董事会二〇二四年第 七次会议于 2024 年 10 月 9 日在北京召开，采用现场表决方式。会议 通知和材料已于 2024 年 9 月 29 日以电子邮件方式发出，会议变更通 知已于 2024 年 10 月 4 日以电子邮件方式发出。本次董事会应到董事 13 名，实际到会董事 12 名（Praveen Khurana 董事因公务未出席会议， 委托 Johannes Hermanus de Wit 董事代为出席并行使表决权）。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》等有关法律、行政法规、部 门规章、规范性文件及《北京 ...

一、通过《关于发放"北银优 1"优先股股息的议案》。同意本行 于 2024 年 12 月 11 日向"北银优 1"优先股股东派发现金股息，按照"北 银优 1"票面股息率 4.67%计算，每股优先股发放现金股息人民币 4.67 元（含税），合计派发人民币 2.2883 亿元（含税）。 重要内容提示： 谭宁监事因公务未出席会议，委托李健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"）监事会二〇二四年第 七次会议于 2024 年 10 月 9 日在北京召开，采用现场表决方式。会议 通知和材料已于 2024 年 9 月 29 日以电子邮件方式发出，会议变更通 知已于 2024 年 10 月 4 日以电子邮件方式发出。本次监事会应到监事 8 名，实际到会监事 7 名（谭宁监事因公务未出席会议，委托李健外 部监事代为出席并行使表决权）。全体监事推举曾颖监事主持会议。 证券代码：601169 证券简称：北京银行 公告编号：2024-047 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 ...

证券代码：601169 证券简称：北京银行 公告编号：2024-045 北京银行股份有限公司 关于无固定期限资本债券发行完成的公告 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（以下简称"本行"）于 2024 年 5 月 16 日召开的 2023 年年度股东大会审议批准了《关于发行资本补充工具 的议案》，同意本行发行不超过人民币 300 亿元（含）减记型无固定 期限资本债券或减记型合格二级资本工具。 经国家金融监督管理总局北京监管局和中国人民银行批准，本行 近日在全国银行间债券市场发行"北京银行股份有限公司 2024 年无 固定期限资本债券"（以下简称"本期债券"）。 本期债券于 2024 年 9 月 10 日簿记建档，并于 2024 年 9 月 12 日 完成发行，发行规模为人民币 100 亿元，前 5 年票面利率为 2.27%， 每 5 年调整一次，在第 5 年及之后的每个付息日附发行人有条件赎回 权。 本期债券募集资金将依据适用法律和监管部门的批准，用于补充 本行其他一级资本。 特此公告。 ...

Investment Rating - The report maintains a "Buy" rating for the company [2][3]. Core Views - The company reported a stable performance in its 2024 H1 results, with operating income and net profit attributable to shareholders reaching 35.544 billion yuan and 14.579 billion yuan, respectively, representing year-on-year growth of 6.37% and 2.39% [1]. - The net interest margin (NIM) decline has narrowed, with interest income increasing by 3.84% year-on-year, and the company has effectively managed its funding costs [1]. - Non-interest income has shown a robust growth of 13.43% year-on-year, although intermediary business income has faced pressure [1]. Summary by Sections Financial Performance - In H1 2024, the company achieved operating income of 35.544 billion yuan and net profit of 14.579 billion yuan, with a weighted average ROE of 10.98%, down 0.6 percentage points year-on-year [1]. - Interest income was 25.536 billion yuan, up 3.84% year-on-year, with a net interest margin of 1.47%, down 7 basis points [1]. Loan and Deposit Growth - Total loans increased by 7.56% year-to-date, with corporate loans growing by 17.46% [1]. - Total deposits grew by 13.18% year-to-date, with corporate and personal time deposits increasing by 12.41% and 16.81%, respectively [1]. Asset Quality - As of June, the non-performing loan ratio was 1.31%, down 0.01 percentage points from the beginning of the year, and the real estate non-performing loan ratio was 2.14%, down 1.46 percentage points [2]. Investment and Non-Interest Income - Non-interest income reached 10.008 billion yuan, accounting for 28.16% of total revenue, with investment income growing by 29.72% year-on-year to 6.971 billion yuan [1][2]. - The company is focusing on digital wealth management to enhance its non-interest income streams [1]. Future Outlook - The company is expected to maintain strong growth in its core deposit acquisition capabilities and cost management, with projected BVPS for 2024-2026 at 12.72, 13.55, and 14.42 yuan, respectively [2].

Investment Rating - The report maintains a "Recommended" investment rating for Beijing Bank (601169.SH) [3][8] Core Views - Beijing Bank's performance shows steady growth, with a 6.4% year-on-year increase in revenue and a 2.4% increase in net profit attributable to shareholders in the first half of 2024 [5][6] - The bank's total assets reached 3.95 trillion yuan, growing by 5.25% since the beginning of the year, with total loans increasing by 7.56% and total deposits by 13.2% [5][6] - The report highlights a recovery in interest income growth, with net interest income increasing by 3.8% year-on-year, indicating a slowdown in the decline of interest margins [6][8] Summary by Sections Financial Performance - In the first half of 2024, Beijing Bank achieved operating income of 35.544 billion yuan, a 6.4% increase year-on-year, and net profit attributable to shareholders of 14.579 billion yuan, a 2.4% increase [5][9] - The bank's net interest margin was reported at 1.47%, down from 1.54% in 2023, with a quarterly annualized net interest margin of 1.34% in Q2 2024 [6][9] Asset Quality - The non-performing loan (NPL) ratio remained stable at 1.31%, while the attention rate increased to 1.87% [8][9] - The provision coverage ratio decreased slightly to 208%, indicating a still relatively strong buffer against potential loan losses [8][9] Future Outlook - The report anticipates continued improvement in performance due to ongoing retail transformation and recovery in market demand, with projected earnings per share (EPS) for 2024-2026 at 1.27, 1.34, and 1.42 yuan respectively [8][9] - The bank's valuation is considered to have a sufficient margin of safety, with price-to-book ratios projected at 0.42x, 0.39x, and 0.36x for 2024-2026 [8][9]

证券代码：601169 证券简称：北京银行 公告编号：2024-042 北京银行股份有限公司 与物产中大集团股份有限公司关联交易事项的公告 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。 重要内容提示： 一、关联交易概述 北京银行股份有限公司（以下简称"本行"）总行信用审批委员会 2024 年 8 月 13 日审议通过物产中大集团股份有限公司（以下简称"物 产中大集团"）的集团限额方案，同意授予物产中大集团及下属企业 集团限额人民币 100 亿元，具体业务品种由总行信用审批委员会核定， 额度有效期 2 年，自董事会审批通过之日起生效。 物产中大集团为本行国家金融监督管理总局定义的关联方，与其 进行的交易构成本行的关联交易。本行授予物产中大集团及下属企业 集团限额人民币 100 亿元，超过本行最近一期经审计资本净额的 1%， 根据《北京银行关联交易管理规定》，已构成重大关联交易，经本行 本行拟授予物产中大集团股份有限公司及下属企业集团限额 人民币 100 亿元 本次交易构成关联交易 本次交易已经本行董事会二〇二四年第六次会 ...

北京银行股份有限公司 与北京首农食品集团有限公司关联交易事项的公告 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。 重要内容提示： 一、关联交易概述 北京银行股份有限公司（以下简称"本行"）总行信用审批委员会 2024 年 8 月 15 日审议通过北京首农食品集团有限公司（以下简称"首 农食品集团"）的集团限额方案，同意授予首农食品集团及下属企业 集团限额人民币 160 亿元，具体业务品种由总行信用审批委员会核定， 额度有效期 1 年，自董事会审批通过之日起生效。 首农食品集团同时为本行国家金融监督管理总局和境内证券监 督管理机构（指中国证券监督管理委员会和上海证券交易所）定义的 关联方，与其进行的交易构成本行的关联交易。本行授予首农食品集 团及下属企业集团限额人民币 160 亿元，超过本行最近一期经审计净 资产的 0.5%且不足 5%，根据《北京银行关联交易管理规定》，已构 本行拟授予北京首农食品集团有限公司及下属企业集团限额 人民币 160 亿元 本次交易构成关联交易 本次交易已经本行董事会二〇二四年第六次会议审批通 ...

Financial Performance - Beijing Bank reported a cash dividend distribution of RMB 6.766 billion (pre-tax) for the year 2023, with a payout of RMB 3.20 per 10 shares[6]. - In the first half of 2024, the company achieved operating revenue of RMB 35,544 million, a year-on-year increase of 6.37%[19]. - The net profit attributable to shareholders of the parent company was RMB 14,579 million, reflecting a year-on-year growth of 2.39%[19]. - The basic earnings per share increased to RMB 0.66, up 1.54% compared to the same period last year[19]. - The company's total assets reached RMB 3.95 trillion, growing by 5.25% since the beginning of the year[23]. - The total amount of loans and advances reached RMB 2.17 trillion, an increase of 7.56% year-to-date[23]. - The net interest margin was recorded at 1.47%, a decrease of 7 basis points year-on-year[25]. - The non-performing loan ratio improved to 1.31%, down 0.01 percentage points from the beginning of the year[27]. - The provision coverage ratio stood at 208.16%, indicating strong risk mitigation capabilities[27]. - The company’s return on assets (ROA) was 0.76%, while the weighted average return on equity (ROE) was 10.98%[21]. Digital Transformation - Beijing Bank emphasizes digital transformation and aims to enhance operational capabilities and service quality through a focus on five major transformations[16]. - The company is focusing on digital transformation, utilizing big data, cloud computing, and blockchain to optimize business processes[43]. - The bank aims to enhance its digital service capabilities and build a "technology bank" and "digital bank" through its strategic framework[49]. - The bank launched the "Jingxing Xiaojin" AI trader as part of its digital transformation strategy to enhance business quality and efficiency[108]. - The bank's digital operation capabilities have improved, with a paperless transaction rate of 90% and 645 automated electronic seal transactions completed[126]. - The bank's data foundation has accumulated 32,182 common indicators, with a total data volume of 15.66PB, supporting 162 systems[131]. - The bank has launched 31 new insurance products in the first half of the year, focusing on a "shelf + customized" strategy[123]. Risk Management - The bank has outlined its major risks and corresponding mitigation measures in the management discussion and analysis section of the report[6]. - The company is focusing on optimizing asset business structure and enhancing risk management through digital transformation[198]. - The company emphasizes strengthening risk monitoring and management in key areas, businesses, institutions, and processes[200]. - Comprehensive on-site inspections of credit business have been conducted, focusing on key areas for special investigations[200]. - The company has implemented a new generation credit management platform, enhancing risk warning capabilities through AI technology[200]. Customer and Market Engagement - The bank is committed to serving local economies, small and medium-sized enterprises, and the general public, maintaining a differentiated and specialized development approach[16]. - The company continues to support key sectors such as technology innovation and green development through reduced loan rates and enhanced financial services[40]. - The company aims to provide targeted financial support for strategic emerging industries and digital economy sectors through specialized credit products[41]. - The number of retail customers reached 29.77 million, with 1.066 million VIP customers and 16,300 private banking clients; mobile banking users grew by 13.79% to 16.75 million[60]. - The bank launched a "children-friendly bank" initiative, achieving over 1.5 million child financial customers and hosting over 20,000 related events[62]. Loan and Deposit Growth - The company's corporate deposits in RMB reached CNY 1.60 trillion, an increase of 12.6% since the beginning of the year[46]. - The balance of inclusive finance loans reached CNY 287.446 billion, increasing by CNY 45.348 billion or 18.73%[78]. - The balance of technology finance reached CNY 337.895 billion, growing by CNY 78.659 billion or 30.34%[78]. - The balance of green loans reached CNY 195.786 billion, with a growth of CNY 39.891 billion or 25.59%[78]. - The balance of cultural finance loans reached CNY 110.472 billion, with a growth of CNY 22.371 billion or 25.39%[78]. Operational Efficiency - The company maintained a liquidity management strategy that aligns with the central bank's monetary policy, ensuring adequate market liquidity[29]. - The net stable funding ratio is 115.92% as of June 30, 2024, compared to 113.70% on December 31, 2023[34]. - The core Tier 1 capital adequacy ratio stands at 9.15% as of June 30, 2024, meeting regulatory requirements for systemically important banks[32]. - The total capital adequacy ratio is 13.11% as of June 30, 2024, compared to 12.98% on December 31, 2023[33]. - The company achieved a customer deposit interest rate of 1.88%, down 8 basis points year-on-year, and an overall liability cost rate of 2.09%, down 4 basis points year-on-year[110]. Strategic Initiatives - The bank has established partnerships with 14 wealth management subsidiaries, with over 800 products sold, doubling year-on-year[123]. - The company has signed strategic cooperation agreements with several major entities, enhancing its collaborative ecosystem[148]. - The "Speed Win Project" has facilitated business transactions exceeding 160 billion yuan, with new clients accounting for 49% and specialized enterprises making up 65%[90]. - The company has launched new supply chain financial products, resulting in a 125% year-on-year increase in transaction scale, with total supply chain business funding exceeding 700 billion yuan[93]. - The company has become the first city commercial bank to support the listing of public REITs, with a 28.97% year-on-year increase in syndicated loan asset issuance[100].