Core Insights - The 2025 China International Service Trade Fair was held in Beijing from September 10 to 14, showcasing the latest achievements in service trade and providing a platform for financial institutions, technology companies, and venture capital firms to explore development opportunities [2] - Beijing Bank, as a strategic partner for five consecutive years, participated in the fair with the theme "Digital Intelligence Leading the Renewal of Service Trade," emphasizing innovation in services to support the real economy and promote collaborative value creation [2] Group 1: Technological Innovations - The Beijing Bank exhibition featured advanced technology, including an AI-powered interactive robot named "Jing Xiaobao," capable of multilingual communication and providing information on financial products [3] - The exhibition showcased a digital RMB experience area, allowing visitors to engage with cultural enterprises and traditional businesses, highlighting the integration of technology into everyday financial services [3] - The exhibition's design and interactive experiences reflect Beijing Bank's commitment to transforming into an "AI-driven commercial bank" and enhancing personalized services [3] Group 2: Support for Technology Enterprises - Beijing Bank focuses on addressing the financing challenges faced by technology-oriented small and medium-sized enterprises (SMEs), aiming to become the leading bank for specialized and innovative companies [4] - As of June 2025, Beijing Bank has served over 26,000 specialized and innovative enterprises, with a loan balance exceeding 121 billion yuan, and has provided over 1.3 trillion yuan in credit to 55,000 technology SMEs [4] - The bank offers tailored financial products and services, such as the "Lighthouse e-loan" and "Unified e-financing" platform, to enhance financing support for enterprises [5] Group 3: Ecosystem Collaboration - The banking industry is undergoing significant transformation, requiring banks to evolve from mere financial service providers to builders of efficient collaborative innovation ecosystems [6] - Beijing Bank emphasizes the integration of finance with technology, industry, and ecology to empower new productive forces, focusing on cross-industry collaboration and resource aggregation [6] - The bank has launched the "Smart Investment e-Union" ecosystem and partnered with various organizations to support specialized and innovative enterprises, enhancing their market connections and resource access [7]

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]