Core Insights - Beijing Bank showcased its innovative financial technology solutions at the 27th China Beijing International Technology Industry Expo, emphasizing its commitment to AI-driven banking services [1][3] - The bank aims to become an "AI-driven commercial bank," leveraging artificial intelligence to enhance its digital transformation and service offerings [3][5] Group 1: Technological Innovations - The bank presented various advanced technologies, including the "Jingzhi" large model and interactive digital employee "Jing Xiaobao," highlighting the integration of AI in financial services [1][3] - Beijing Bank has developed a unique technology system combining large models and general machine learning models, processing over 5,000 requests daily [3][5] Group 2: Support for Specialized Enterprises - Beijing Bank is committed to supporting specialized and innovative enterprises, having provided credit funding exceeding 1.25 trillion yuan to over 53,000 tech SMEs by March 2025 [5][6] - The bank's initiatives include the launch of innovative credit products like "Leading AI Loan" and "Sci-tech E-Loan" to address financing challenges for enterprises [5][6] Group 3: Collaborative Ecosystem - The bank has established strategic partnerships with various organizations, including government agencies and educational institutions, to foster a collaborative technology finance ecosystem [6][8] - Beijing Bank is focused on creating a win-win situation through deep integration of finance, technology, and industry, supporting the innovation and development of tech enterprises [6][8]

Core Insights - The banking industry faces both opportunities and challenges, requiring banks to build core competencies and unique characteristics to thrive in a competitive market [1] - Beijing Bank emphasizes differentiated development and innovative financial product services, creating a unique path for specialized growth [1] Retail Transformation - Beijing Bank has successfully explored a unique approach in retail business, focusing on unmet financial needs at different life stages of customers, thus establishing the "Bank that Accompanies You for Life" service system [2][4] - The bank has developed a comprehensive product system that caters to customer needs at every life stage, enhancing its competitive edge in retail business [4] Children's Friendly Banking - In response to the call for building child-friendly cities, Beijing Bank has created a "Children-Friendly Bank" service system, integrating financial and non-financial services to support children's growth [3] - The bank offers tailored financial support for students, entrepreneurs, and families, including personal loans for small business owners and comprehensive pension services for the elderly [3] Support for Specialized and Innovative Enterprises - Beijing Bank aims to be the "First Bank for Specialized and Innovative Enterprises," providing innovative credit products and efficient financing services to support small and medium-sized enterprises [5] - The bank has cumulatively provided over 1.2 trillion yuan in credit support to 50,000 technology-based SMEs, covering a significant portion of listed companies in various innovation boards [8] AI-Driven Banking - Beijing Bank is committed to digital transformation, implementing an "All in AI" strategy to enhance operational efficiency and business value through AI technology [9][10] - The bank has developed a self-researched AI model and established partnerships with various institutions to explore applications of AI in financial services [10] Conclusion - The differentiated development and exploration of unique services have significantly enhanced Beijing Bank's competitive advantages, positioning it to empower the real economy and contribute to high-quality development [11]

Core Viewpoint - In 2024, Beijing Bank demonstrates resilience and innovative practices amidst challenges in the banking sector, achieving significant growth in assets, revenue, and net profit despite a declining interest rate environment [1][3]. Financial Performance - As of the end of 2024, Beijing Bank's total assets reached 4.22 trillion yuan, a 12.61% increase from the beginning of the year [1][3]. - The bank reported operating income of 69.917 billion yuan, a year-on-year growth of 4.81% [1]. - The net profit attributable to shareholders was 25.831 billion yuan, reflecting a 0.81% increase year-on-year [1]. Market Performance - Beijing Bank's stock price increased by 43.69% over the year, marking the largest gain in nearly a decade [1]. - The bank's brand value reached 103.662 billion yuan, indicating a dual enhancement in market capitalization and brand value [1]. Strategic Development - The bank focuses on "stable growth and optimized structure," achieving balanced development across scale, structure, quality, and efficiency [3]. - The deposit scale reached 2.45 trillion yuan, growing by 18.34% year-on-year, driven by a strategy emphasizing quality deposits [3]. - Loan balances in key sectors such as technology finance, green finance, and inclusive finance saw substantial growth, with increases of 40.52%, 43.11%, and 28.30% respectively [4]. Non-Interest Income - Non-interest income amounted to 18.007 billion yuan, a 10.06% increase, constituting 25.75% of total operating income, up by 1.22 percentage points year-on-year [4]. Retail Business - The bank's retail assets under management (AUM) reached 1.22 trillion yuan, growing by 17.25% year-on-year, marking the best performance since its transformation [4]. Competitive Advantage - Beijing Bank aims to differentiate itself in a competitive market by creating a unique identity and expanding its financial services in key regions, particularly in the Yangtze River Delta [5]. - The bank has established over 110 branches in Shanghai, Zhejiang, and Jiangsu, with loans from these regions accounting for 22.9% of the total [5]. Digital Transformation - Beijing Bank has initiated a three-year digital transformation plan, focusing on unifying data, financial operations, and risk control systems [9]. - The bank is transitioning to a fully digital operating model, with significant projects aimed at enhancing operational efficiency and customer experience [9]. AI Integration - The bank is committed to integrating AI into its operations, having developed its own large-scale AI model and various AI-driven platforms to enhance service delivery [10]. - AI applications have been implemented in high-value areas such as customer service and risk management, improving operational efficiency by over 10% [10].

Core Viewpoint - AI is profoundly reshaping the banking industry, and Beijing Bank is committed to an "All in AI" strategy, focusing on building three major systems: a technology system driven by "large models + general machine learning models," an "AI+" application scenario system, and a multi-party ecosystem partnership system [1] Group 1: AI Implementation and Achievements - Beijing Bank has launched the first online and intelligent AI collaborative service in the banking industry, improving frontline staff efficiency by over 10% and saving 0.5 to 1 hour of work time per day [2] - The bank has established an "RPA robot factory" model, deploying 1,073 automated processes and executing 2.65 million tasks, saving over 3,500 man-months of labor [2] - The bank's AI capabilities have significantly reduced the time for due diligence reports from 3 days to 1 day, and the mobile banking service "i智配" has served nearly 600,000 customers with over 7 million services provided [2] Group 2: Customer and Loan Growth - As of the end of 2024, the number of specialized and innovative enterprise clients at Beijing Bank exceeded 20,000, with an increase of over 6,400 clients since the beginning of the year [3] - The loan balance for specialized and innovative enterprises reached 106.8 billion, an increase of 33.8 billion from the beginning of the year, achieving the "billion action" goal a year ahead of schedule [3] Group 3: Future AI Strategy - The bank plans to integrate AI deeply with its strategic layout, enhancing core competitiveness through AI in risk control, asset management, and collaboration [3] - Future efforts will focus on solidifying AI foundational capabilities, enhancing AI applications, and promoting a collaborative working model between humans and machines [3] - The bank aims to strengthen its AI talent base, ensuring that every employee benefits from and promotes AI initiatives [3]