Unite, Strive, Achieve Good Achievements, Be Honest and Innovate -- Bank of Beijing Releases Semi annual Performance Report for 2023

On August 30, BOB released its semi annual report for 2023. In the first half of 2023, based on the new development stage Implement the new development concept, serve to build a new development pattern, guide the "five major transformations" of development mode, business structure, customer structure, operating capacity and management mode with digital transformation, fully promote the construction of "Digital Bank of Beijing", take more solid steps on the road of high-quality development The investors handed in an excellent mid-term performance.

By the end of June 2023, assets of BOB The total amount was 3.63 trillion yuan, an increase of 7.22% over the beginning of the year, and the scale of urban commercial banks continued to rank first; The net profit attributable to the parent company was 14.238 billion yuan, up 4.89% year on year, and the quality and efficiency of business continued to maintain the good water quality of listed banks Flat; The non-performing loan ratio was 1.34%, down 0.09 percentage points from the beginning of the year and 0.3 percentage points from the same period last year; The provision coverage rate was 217.65%, up 7.61 percentage points from the beginning of the year, up 22.72 percentage points from the same period last year. The asset quality was stable and improving, and the risk offsetting ability continued to improve.

1、 Those who have a big mind, serve the real economy, and create new achievements of high-quality development

BOB adheres to the guidance of digitalization, focusing on key areas and weak links of real economy development Financial support, reasonable growth in quantity and effective improvement in quality of various businesses.

On August 7, Bank of Beijing launched "Jinge Loan 6.0" for new citizens Financial Services and Inclusion Financial services provide powerful tools.

Win the "three battles" of digital transformation. In the first half of 2023, BOB adheres to the principle of "One Bank, One Data, One flat "Platform" concept, complete the unified data base Financial operating system, unified risk control flat Taiwan construction, win the "three campaigns" of digital transformation, and promote the digital transformation capability of the whole bank to a new level steps. On this basis, 20 major science and technology projects have been used to drive the digital transformation of the whole bank to advance in depth, realizing the new credit risk management system, enterprise level customer and user management flat The first batch of major science and technology projects, such as Taiwan and Scenario Payment 2.0, were put into production. Strengthen the application of cutting-edge technology and improve the enterprise level artificial intelligence of "Jingzhi Brain" flat More than 100 business scenarios were launched, and the "Jingzhi" big model with 10 billion level parameters was released, with a forward-looking layout Core competence of financial intelligence. Acceleration number The construction of currency bank was approved as the first digital bank the people Identity access of currency acceptance service organization Central bank side figures the people The number of city commercial banks in the currency system established in Suzhou Currency Innovation Laboratory. In the first half of the year, three digital transformation projects of Bank of Beijing were awarded Chinese listed companies "Typical Cases of Digital Transformation of Listed Companies in 2023" awarded by the Association; Five digital transformation projects won the award of "State owned Enterprise Digital Scene Innovation Professional Competition" by the State owned Assets Supervision and Administration Commission of the State Council.

Shift and speed up of retail transformation 。 In the first half of 2023, BOB will focus on meeting People's yearning for a better life and continuous optimization The supply of financial products and services, and the transformation of retail realized gear shifting and acceleration. By the end of June, the operating revenue of retail business was 11.963 billion yuan, up 16.01% year on year, accounting for 37% of the whole bank, up 6 percentage points year on year; Net retail interest income increased by 18.56% year on year, accounting for 46.72% of the total, 9.27 percentage points higher than that at the beginning of the year. AUM reached 1009.4 billion yuan, successfully entering the "trillion club"; Savings deposits exceeded 580 billion yuan, up 19.07% year on year. The scale of personal loans reached 654 billion yuan, up 11.5% year on year, leading urban commercial banks in terms of scale; The scale of self operated online loan "Jinge Loan" exceeded 10 billion yuan, with a year-on-year growth of 167%. The number of retail customers exceeded 28 million, the customer base was more solid, the number of VIP customers exceeded 900000, the number of private customers reached 13500, and the scale of medium and high-end customers increased steps. With the launch of mobile banking APP 7.0, the number of mobile banking users reached 14.72 million, up 20.7% year on year; MAU reached 5.46 million households, up 17.4% year on year; "Zhice" retail digital operation system reached more than 170 million customers, and retail business decision-making and operation digital water The level is significantly improved.

The quality and efficiency of the company's business are better. In the first half of 2023, BOB will focus on stability Investment, steady growth, and actively do a good job in small The business structure and customer structure have been continuously optimized for credit extension in key areas such as micro enterprises, scientific and technological innovation, specialty and novelty, manufacturing, green and low-carbon. As of the end of June, the people The balance of currency company loans (excluding discount) was 1.1 trillion yuan, an increase of 15.93% over the beginning of the year; the people The deposit scale of currency companies was 1.46 trillion yuan, up 9.36% over the beginning of the year; The cumulative daily average of core deposits was 1.18 trillion yuan, 7 percentage points higher than that at the end of last year, the people Currency company deposit The average interest rate decreased by 10 basis points from the end of last year. The company has built a customer base management system with hierarchical classification, professional focus and comprehensive coverage. The company has 226200 effective customers, including 64200 corporate value customers, an increase of 10.12% over the beginning of the year, accounting for 1.39 percentage points. Continuous efforts and inclusive benefits Finance, online "Little Giant" APP 3.0, optimized 7 major links and 44 small links of Pratt&Whitney's offline business. At the end of June, the balance of Pratt&Whitney loans was 211.039 billion yuan, an increase of 22.61% over the beginning of the year; Inclusive small The number of micro enterprise loans was 322500, an increase of 7.87% over the beginning of the year. Build digital supply chain New financial ecology, supply chain The scale of financial investment increased by 139% year on year, and the service core enterprises and suppliers increased by 118% and 212% year on year respectively. Upgrade features Financial connotation, improve scientific innovation Financial product system, focusing on the film and television industry and sports industry in the capital, respectively released the "Star Plan"“ Jingcai Sports Loan "financing service scheme, obtained The People's Bank of China's carbon emission reduction support tool use qualification, launched the carbon account linked loan product "BOC carbon e-loan" based on quantifiable environmental benefits. By the end of June, the bank wide scientific innovation The financial balance was 248.284 billion yuan, an increase of 27.48% over the beginning of the year; Culture The financial balance was 85.85 billion yuan, an increase of 17.89% over the beginning of the year; The balance of green loans was 141.517 billion yuan, an increase of 28.30% over the beginning of the year.

The financial market business developed steadily. In the first half of 2023, Bank of Beijing The financial market business accelerated its transformation, investment Trading capacity continued to strengthen, and the momentum of sustainable development continued to increase. As of the end of June, The scale of financial market management business was 3.27 trillion yuan, an increase of 8.87% over the beginning of the year; goods Outside the currency market currency The trading volume was 22.28 trillion yuan, ranking first in the market; capital The trading ability continues to improve, and the company has won the first level of the open market for five consecutive years Leader in the sequence of the trading mall. Bill business Transaction volume increased by 82% year on year, self operated noble metal The trading volume increased by 162.68% year on year, and the scale of newly established custody products was 4.8 times that of the same period last year The scale of fund custody ranks first among city commercial banks. Product innovation continues to deepen, and the first batch of asset-backed securities supporting high-quality development of the Yellow River basin and the first batch of scientific and technological innovation in China have been launched The concept CMBS product of the financial reform pilot zone, the first batch in Zhejiang Province Rural revitalization asset securitization project.

2、 Adhere to unity and struggle, gather strength, uphold integrity and innovate, and activate new momentum of featured operation

BOB closely follows technological innovation, industrial upgrading The new trend of population structure change will continue to deepen the new layout of differentiated development, activate the new driving force of characteristic operation, and strive to build a "child friendly bank", a bank that will accompany you all your life, a "first bank that specializes in new features", a bank that serves enterprises throughout their life cycle, and an investment bank driven commercial bank.

Build a "child friendly bank". In the first half of 2023, BOB will launch the "Beijing Fluor Program" children's comprehensive Financial service version 3.0, launched the family growth system of Jingmiao Club, and held various "Jingmiao Club" activities Nearly 10000, effectively driving children Finance to families Financial transformation. Build“ The characteristic cooperation mode of "finance+education" has cooperated with more than 1200 colleges and universities to hold a national foreign language literacy meeting for middle school students with FLTRP The competition launched 11 co branded "Little Beijing Card" products, including Beijing Dongcheng District Children Friendly and Beijing No. 2 Experimental Primary School. The June 1 Literature and Art Festival of Beijing Miao Club's "Fluorescent Wish" was held, and was broadcast on Beijing Satellite TV, ranking the fifth in the country in terms of audience rating at the same time. By the end of June, 840000 "Little Beijing Cards" had been issued, serving more than 1.7 million children customers and families in total, helping to manage the New Year's money of more than 4.3 billion yuan, and the members of the "Beijing Miao Club" exceeded 1 million.

Create a "bank that will accompany you for life". In the first half of 2023, BOB will integrate various types of Finance+Non Financial resources, iterative upgrading of children Comprehensive financial service system; Make efforts to start a business In finance, the balance of the "Chuangying Loan" of exclusive entrepreneurial loans exceeded 11 billion yuan, helping new citizens start their own businesses; Launch "Talent" Financial "service program, which provides talent cards to talent customers across the country Nearly 4000; Build an open, all-weather and life-cycle big wealth management flat Taiwan, consignment The number of online branches of wealth management products exceeded 100, and the scale of private agency products increased by 18.84% over the beginning of the year; perfect Pension finance layout, taking the lead in introducing pension Zero rate subscription (application) mode for fund Y shares. As of the end of June, individuals have been opened The number of pension accounts exceeded 960000, an increase of 760000 over the beginning of the year, and the national market share rose to 2.4%, maintaining the leading edge in the market in Beijing.

Create a "first line of specialization, specialty and innovation". In the first half of 2023, the Bank of Beijing issued the Work Plan of "Specialization, Specialization, and Innovation · Hundred Billion Action", implemented the "123456" special action plan, launched the "Specialization, Specialization, and Innovation" exclusive online credit loan product "Pilot e-Loan", and quickly realized more than 10 billion yuan loan. United Beijing Radio and Television The station produced and launched the documentary observation program "Specialization and Innovation Research Institute" focusing on "specialized and innovative" enterprises, and cooperated with ecological partners to improve the comprehensive service capacity of "specialized and innovative" enterprises. As of the end of June, "specialized, special and new" enterprises The number of accounts opened, loan accounts and loan balance increased by 50%, 88% and 90% respectively compared with the beginning of the year.

On March 2, Beijing Radio and Television The first national documentary observation program of specialized and special new enterprises, "Specialized and Special New Research Institute", exclusively named by the Bank of Beijing, was launched in Taiwan.

To build a "bank serving the whole life cycle of enterprises". In the first half of 2023, BOB adheres to the GBIC2 portfolio Financial service concept, actively build a full product, full process and multi-dimensional life cycle for enterprise development Financial service system. Strengthen the overall management of strategic customers, promote the sinking of core customer marketing services, and the cooperation rate of the first and second level subsidiaries of state-owned enterprises in Beijing increased to 27.34%, 1.05 percentage points higher than the beginning of the year. The "Sailing Plan" was fully used to focus on the listing, proposed listing and "specialized, special and new" customers to carry out precision marketing. The cooperation rate of listed companies was 23.3%, 2 percentage points higher than that at the beginning of the year.

On May 29, BOB released GBIC2 portfolio And signed strategic cooperation agreements with 14 enterprises.

Build an "investment bank driven commercial bank". In the first half of 2023, BOB will adhere to the guidance of investment banking thinking and the leadership of channel connectivity ability, and promote the transformation of business model from a "dealer" who passively meets demand services to a "banker" who actively provides value services. The scale of bond underwriting was 133.822 billion yuan, up 106% year on year, and the scale of sci-tech note underwriting ranked top among urban commercial banks; New syndication and M&A Loans increased by 156.68% and 542.87% year on year respectively. Explore and build the full life cycle of public REITs Financial service system, focus on building "the friendliest bank of REITs", and achieve the first public offering of REITs projects in the first half of the market Full coverage of investment and participation in four strategic placements Investment includes 1 raising REIT Investment, successfully locked 9 public offering REITs to the regulatory bank. Deeply promote the "quick win projects", and 452 clean energy industry chain businesses have been launched, with a cumulative amount of 41.551 billion yuan in FPA coverage. "Gather ecological forces to create an industrial future" - the second ecological partner conference of BOB was held, and the whole bank set up 10 "enterprise homes" with more than 400 members, accelerating the construction of "three in one" ecology Financial service system.

3、 Strictly adhere to the risk bottom line, deepen management reform, and build new advantages for the future

BOB insists on making progress while maintaining stability The overall tone is to strengthen comprehensive risk management with bottom line thinking and systematic thinking, comprehensively promote the construction of the "big operation" system, the reform of the internal business environment, and the shaping of the "three modernizations", and continue to build new advantages for the foundation industry.

Deepen the construction of comprehensive risk management system. In the first half of 2023, BOB will adhere to the integrated promotion of strict governance of the Party, strict governance of the Bank and comprehensive risk control, continue to deepen the construction of the comprehensive risk management system, consolidate the full caliber asset life cycle management, continue to strengthen the risk relief in key areas, increase the approval authority of "specialized, special and new", single champion of manufacturing industry, high-tech enterprises and other fields, The work of "controlling the new and reducing the old" of non-performing loans has achieved remarkable results, and asset quality has improved significantly. Optimize the comprehensive risk management mechanism, establish the branch chief risk officer system, and comprehensively focus on the construction of branch risk control capability. Improve digital risk control capability and complete the launch of the new credit risk management system; Promote "risk taking" The "Smoke Index" model 2.0 version was built. The model monitors more than 300000 credit customers and related party enterprises every day, covering about 2 trillion yuan of credit balance. The project won two awards at home and abroad, including the "Best Credit Risk Technology Implementation Award" of the Asian Banker in the Asia Pacific region.

Deepen the construction of the "big operation" system. In the first half of 2023, BOB will actively promote the construction of key operational projects such as Jingzhi counter, intelligent teller machine, business intensification and integration of outlets and halls. Promote the transformation and upgrading of Jingzhi counter system and retail business The proportion of transaction transformation reached 100%, and the paperless function of Jingzhi counter was piloted. Build the 3.0 version of the intelligent teller machine, add basic functions such as the old size version and magnifying glass, and increase the coverage of business scenarios to 90. Promote the transformation and upgrading of outlets in accordance with the standards of "hall integration, service standardization, display neatness, and technology intelligence", and add children in some outlets The financial zone and the low counter area should be transformed into an old age area, and actively serve the construction of "child friendly bank" and "bank with your life".

On July 18, the first comprehensive agency branch of Bank of Beijing's provident fund was officially opened, and the "one-stop" service was practiced“ Finance for the People " Original intention.

Carry out internal business environment reform. In the first half of 2023, Bank of Beijing The head office level set up a special party committee Secretary and Chairman of the Board of Directors of the "Business Environment Reform" The leading group launched the special action of "improving the efficiency of coordination and linkage and creating a good business environment" throughout the bank, and created the best customer experience and the best user experience through "reducing links, materials, time and movement".

Carry out "three modernizations" molding work. In the first half of 2023, BOB launched the "three modernizations" shaping work with the core of "refined customer group operation, professional iron army team, and digital process management". Focusing on special theme projects such as "specialized, refined, and new", wealth management, public-private linkage, and grass-roots management, it improved its marketing skills in practice, training, and combat through repeated implementation of various shaping tasks, Extract business and management best practices and replicate and promote them to the whole bank, so as to promote the specialization of the whole bank.

In the second half of 2023, BOB will earnestly implement Politics of financial work Sex the people Sex, improving Financial Services We should strive to create markets, customers, products, services and values, continue to increase support for the real economy, actively build distinctive business advantages, strengthen comprehensive risk management capabilities, and focus on the development of self height and quality Chinese style modernization contributes more power.

Bank of Beijing Building.

Disclaimer: There are risks in the market, so you should be careful! This article is for reference only, not for sale basis.

label: