北京银行增长新引擎有哪些？这个发布会有答案

Core Viewpoint - Beijing Bank has demonstrated steady performance in the first half of 2025, maintaining growth in profitability and improving risk indicators amidst a declining interest rate environment. Group 1: Customer Base and Funding Sources - The bank aims to stabilize interest margins by adjusting its liability structure to increase low-cost deposits, with effective customers exceeding 330,000, a growth of 12.6% [2] - Retail customers reached 31.5 million, also reflecting a 12.6% increase since the beginning of the year, supported by innovative initiatives in pension finance, children's finance, and the promotion of the third-generation social security card [2] - The bank has deepened its engagement with central enterprises, state-owned enterprises, and regional leading companies, achieving over 80 billion yuan in retail payroll business, thereby establishing a more stable funding source [2] Group 2: Pricing Management and Interest Margin - In the context of market interest rate liberalization and intensified competition, pricing capability has become crucial for managing interest margins, with the bank optimizing its internal FTP mechanism to enhance responsiveness to market fluctuations [4] - The bank's "Seven Crystal Ball" customer management system integrates CRM for corporate and retail sectors, allowing for flexible pricing based on comprehensive customer contributions [4] - The bank focuses on loans as core assets, utilizing policy tools and implementing targeted marketing strategies to enhance service coverage, while also increasing loan proportions for small and medium-sized enterprises [4] Group 3: Risk Management - The bank's non-performing loan ratio has decreased to 1.30%, and the provision coverage ratio has risen to 195.74%, indicating a continuous improvement in risk mitigation capabilities [5] - The bank emphasizes prudent management principles in both credit expansion and investment diversification, ensuring that growth is aligned with stability [5] - The bank's multi-faceted initiatives have gradually formed new growth engines, reflecting its commitment to serving the real economy and enhancing the quality of financial supply [5]