BOB(SH:601169) Zheng Quan Ri Bao Wang·2025-09-06 04:03Core Viewpoint - Beijing Bank is focusing on retail transformation and risk management in personal loans, achieving significant growth in retail revenue and loan issuance while maintaining asset quality [1][2] Group 1: Retail Transformation - In the first half of the year, Beijing Bank's retail revenue reached 11.081 billion yuan, with net fee and commission income increasing by 8.95% year-on-year [1] - Retail funding scale surpassed 1.3 trillion yuan, growing by 7.28% since the beginning of the year, while savings deposits exceeded 790 billion yuan, up by 6.87% [1] - The bank has actively supported the real estate market, inclusive finance, and consumption recovery, with personal loan issuance nearing 140 billion yuan, a year-on-year increase of 36.3% [1] Group 2: Strategic Direction - The bank has outlined a "123456" strategy for the second half of the year, focusing on specialized, intelligent, and ecological development in retail banking [2] - The strategy includes creating a comprehensive financial service model that caters to various life stages, from children's finance to retirement finance [2] - The bank aims to enhance intelligent development through improved channel construction and customer service [2] Group 3: Personal Loan Risk Management - The bank acknowledges that the personal loan asset quality faces temporary pressure, but overall, the non-performing loan level remains controllable [2] - Risk management strategies have shifted from passive responses to proactive defenses, focusing on quality customer selection and real business [2] - The bank employs AI and digital applications to enhance approval efficiency while ensuring quality, alongside effective collection and asset disposal strategies [2]