“数字京行”三年破茧，解锁全面数字化经营2.0新范式

Core Insights - Beijing Bank is transitioning into a fully digital operation phase 2.0 by 2025, marking the completion of its digital transformation phase 1.0 after three years of efforts [1][2][12] - The bank aims to redefine the paradigm of "AI-driven commercial banking" by integrating AI into its operations and services, showcasing its commitment to digital and intelligent transformation [2][12] Digital Transformation Achievements - The bank has successfully completed its digital transformation phase 1.0, focusing on enhancing technology capabilities, business models, and organizational structures [3][5] - Key initiatives include establishing a unified data foundation, a unified financial operating system, and a unified risk control platform, which have significantly improved operational efficiency [4][6] Business Model and Organizational Changes - The bank's business model has evolved to incorporate concepts such as intelligent decision-making, customer acquisition through scenarios, and collaborative efficiency [5][7] - Organizationally, there has been a cultural shift among employees towards prioritizing digital solutions for problem-solving, supported by training programs and internal collaboration mechanisms [6][8] Customer-Centric Approach - The bank emphasizes a customer-centric digital reconstruction, focusing on enhancing customer experience as a core objective of its digital operations [7][8] - Notable metrics include over 7 million monthly active users on mobile banking and a significant reduction in corporate account opening times [8][10] Financial Performance - In 2023, Beijing Bank reported a revenue of 69.917 billion yuan, a year-on-year increase of 4.81%, and a net profit of 25.831 billion yuan, reflecting a growth of 0.81% [10][11] - The bank's total assets reached 4.22 trillion yuan, with loans and deposits growing by 9.65% and 18.34%, respectively [11] Future Financial Innovations - The bank is committed to building an "AI-driven commercial bank" and has developed a comprehensive AI ecosystem, including a large model and machine learning applications [12][13] - Collaborations with various institutions aim to explore AI applications in finance, enhancing operational efficiency and value creation [13]