Core Viewpoint - Beijing Bank has maintained a prudent and stable risk preference, continuously improving its comprehensive risk management system and achieving a decline in non-performing loan ratio, indicating strengthened asset quality [1] Group 1: Risk Management - The bank has fully promoted the dedicated approval personnel system and established a "one-day review" special work mechanism [1] - The bank is accelerating the digital transformation of risk management, having launched the second phase of the new risk system [1] - The "smoke index" version 4.0 has been iterated and upgraded, actively empowering high-quality business development [1] Group 2: Asset Quality - As of the end of the first half of the year, the non-performing loan ratio stood at 1.30%, a decrease of 0.01 percentage points from the beginning of the year [1] - The bank has achieved a continuous decline in non-performing loans for three consecutive years, indicating a steady improvement in asset quality [1]