Core Viewpoint - The financial education campaign led by the National Financial Regulatory Administration aims to enhance financial literacy and protect consumer rights, with BoHai Bank actively participating in various educational activities across the country [1] Group 1: New Quality and Effectiveness - BoHai Bank has innovatively engaged in campus education by collaborating with local education departments and police to deliver financial knowledge to students during the back-to-school season [2] - The bank's branches in different cities have organized various anti-fraud educational activities targeting college students, emphasizing the importance of financial safety [4] Group 2: Establishing New Standards - BoHai Bank focuses on consumer concerns by developing a multi-functional financial consumer protection service model, which includes financial education, risk warnings, and dispute resolution [4][6] - The bank has published two series of consumer rights protection case compilations, analyzing real-life scenarios such as credit repair and fraud, to raise awareness among financial consumers [6] Group 3: Innovative Communication Methods - The bank has utilized local dialects and regional characteristics in its promotional videos to effectively communicate consumer protection knowledge, enhancing relatability and understanding [7] - A light show at the bank's headquarters during the financial education week showcased its commitment to social responsibility [7] Group 4: New Tools for Engagement - BoHai Bank is leveraging AI technology to reshape consumer rights protection, implementing AI in online financial education and creating themed short videos that connect consumer protection concepts with historical narratives [8][10] - The introduction of an AI-powered assistant, "Financial Knowledge Officer Xiao Bo," aims to provide interactive financial education and support through natural language processing and risk scenario simulations [10] Group 5: Future Commitment - BoHai Bank plans to continue enhancing its financial education mechanisms and innovate its outreach methods to improve public satisfaction and security in financial services [10]

Core Insights - The company reported a revenue of 390 million yuan in 2024, a year-on-year decrease of 10.5%, and a net profit attributable to shareholders of 300 million yuan, down 2.2% year-on-year [1] Group 1: Financial Performance - In 2024, the company achieved operating revenue and net profit of 390 million yuan and 270 million yuan respectively, reflecting declines of 10.5% and 7.02% year-on-year, with a weighted ROE of 7.7%, down 1.1 percentage points [2] - The fourth quarter saw a significant increase in net profit, reaching 162 million yuan, a year-on-year growth of 26.4%, which helped to narrow the annual profit decline [2] - Revenue from software services, software sales, and securities information services was 159 million yuan, 153 million yuan, and 76 million yuan respectively, with year-on-year changes of +2.9%, -26.8%, and +9.9% [2] Group 2: Market Dynamics - The average daily trading volume in the two markets for 2024 was 1.06 trillion yuan, an increase of 21.2% year-on-year, indicating a significant market recovery [3] - The company's B-end and C-end revenues were 312 million yuan and 76 million yuan respectively, showing declines of 14.2% and growth of 9.9% year-on-year [3] - Cash flow from sales of goods and services for the year was 410 million yuan, down 8.6% year-on-year, with contract liabilities at the end of Q4 amounting to 120 million yuan, a decrease of 10.8% year-on-year [3] Group 3: R&D and Cost Management - In 2024, the company's sales, management, and R&D expenses were 7 million yuan, 9 million yuan, and 91 million yuan respectively, with year-on-year changes of -29.6%, -8.0%, and +21.2% [4] - The company's gross margin and net profit margin were 86.0% and 69.7% respectively, reflecting increases of 0.5 percentage points and 2.6 percentage points year-on-year, indicating improved cost control and profitability [4] - The company is focusing on accelerating product development and embracing AI technology in the financial sector to enhance its product matrix and market share [4]