Core Viewpoint - Beijing Bank has demonstrated resilience in its operations, achieving balanced growth in revenue and profit, while enhancing its service capabilities to the real economy through strategic initiatives and digital transformation [1][2][3]. Financial Performance - As of the end of 2024, Beijing Bank's total assets reached 422.15 billion yuan, a year-on-year increase of 12.61% [1][2]. - The bank reported operating income of 69.917 billion yuan, reflecting a 4.81% year-on-year growth [1][2]. - The non-performing loan ratio stood at 1.31%, a slight decrease of 0.01 percentage points from the previous year [1][2]. Business Growth - The total amount of loans and advances reached 221 billion yuan, up 9.65% year-on-year, with corporate loans increasing by 14.43% and personal loans by 3.23% [2]. - The bank's net profit attributable to shareholders was 25.831 billion yuan, a 0.81% increase compared to the previous year [2]. Asset Quality - Beijing Bank has strengthened its asset management and risk control measures, leading to improved asset quality [2][3]. - The bank's non-performing loan management strategies have enhanced the resilience of its asset quality [2]. Digital Transformation - The bank is set to enter the "comprehensive digital operation 2.0" phase, having completed its three-year digital transformation goals [3]. - As of the end of 2024, the number of mobile banking personal customers reached 17.8 million, with over 7 million monthly active users [7][8]. Green Finance Initiatives - Beijing Bank has launched a three-year green finance development strategy and introduced various green financial products [5][6]. - The balance of green loans reached 210.35 billion yuan, with a growth rate of 43.11% [6]. Inclusive Finance Efforts - The bank has implemented measures to enhance its inclusive finance offerings, achieving a balance of 310.614 billion yuan in inclusive finance loans, growing at 28.3% [6]. Pension Finance Development - Beijing Bank is actively developing pension finance services, with over 1.7 million personal pension accounts opened [7]. Digital Currency Initiatives - The bank has expanded its digital currency application, with transaction volumes exceeding 10 billion yuan throughout the year [8].