8月29日，北京银行发布2025年半年度业绩报告。2025年上半年，北京银行深入学习贯彻党的二十大和 二十届二中、三中全会精神，全面落实北京市委市政府决策部署和监管机构工作要求，在高质量发展的 道路上奋楫笃行。在金融行业转型深化、外部环境复杂多变的背景下，北京银行始终坚持以党建为引 领、以风控为核心支撑、以文化为内在动能，将稳健经营理念深度融入战略布局、业务发展与管理变革 全过程，在服务实体经济、深化数字化转型中开辟高质量发展新空间，向广大投资者交上了一份优异的 中期业绩答卷。 坚持党建引领 践行金融使命 "扎根基层"纾解小微企业发展问题。将普惠金融作为践行金融工作政治性、人民性的重要抓手，北京银 行通过政策落地、产品优化、服务下沉，打通小微企业融资"最后一公里"，让金融服务惠及更多市场主 体。2025年上半年，该行制定《北京银行普惠金融发展规划（2025-2029年）》，明确五年发展路径； 落实小微融资协调机制，推出十项跨境金融服务举措，发布"科企汇"专精特新企业外汇便利化方案；升 级"统e融"平台2.0，打造线上服务窗口。半年报显示，该行普惠型小微企业贷款余额2616.03亿元，较年 初增长385.17亿 ...

Core Viewpoint - Beijing Bank has successfully completed the 1.0 phase of its digital transformation and is set to enter the comprehensive digital operation 2.0 phase in 2025, emphasizing the importance of digitalization in enhancing business operations and risk management [2][6]. Financial Performance - As of the end of Q1 2025, Beijing Bank's total assets reached 4.47 trillion yuan, a growth of 5.87% from the beginning of the year; total deposits amounted to 1.81 trillion yuan, up 6.1%; total loans reached 1.45 trillion yuan, increasing by 8.1%; and retail AUM (Assets Under Management) stood at 1.26 trillion yuan, reflecting a year-on-year growth of 13.8% [2][5]. Business Development - The bank has focused on differentiated development, particularly in serving specialized and innovative enterprises, aiming to be the leading bank for such businesses and providing comprehensive lifecycle services [3][4]. - The "Lighthouse e-loan 4.0" product was launched to support specialized enterprises, achieving over 100 billion yuan in loans and serving more than 20,000 clients by the end of 2024 [4]. Retail Business Growth - Retail business revenue reached 24.941 billion yuan in 2024, with a year-on-year increase of 2.26%, and net interest income grew by 4.66% to 23.961 billion yuan [4]. - By the end of 2024, retail AUM reached 1.22 trillion yuan, a significant increase of 178.778 billion yuan, with a growth rate of 17.25% [5]. Digital Transformation - The bank's digital transformation is characterized by three comprehensive upgrades: technology capabilities, business models, and organizational structures, enhancing decision-making, product competitiveness, and risk management [6]. - The bank aims to leverage AI and data-driven strategies to enhance customer segmentation, channel integration, and product adaptation [6][9]. AI Integration - Beijing Bank is committed to becoming an AI-driven commercial bank, implementing a "All in AI" strategy to reshape its operational framework [7][8]. - The bank has developed its own large-scale AI model, "Jingzhi," and an AI innovation platform, providing over 190,000 knowledge retrieval and Q&A services [8]. - AI applications have led to reduced operational costs and improved efficiency, with innovations in customer service and technology development [9].