According to Yan Xiaoyan, President of Bank of Beijing, Bank of Beijing has strengthened its operation and management, accelerated the pace of development, and achieved significant improvements in comprehensive competitiveness and brand influence.

Create outstanding performance. The total assets of Bank of Beijing increased by 38%, the deposit balance and loan balance increased by 26% and 29% respectively, and the development scale achieved great progress; the capital adequacy ratio increased from 13.23% at the beginning of listing to 19.14%, and the asset profit rate increased from 0.82% to 19.14%. 1.62%, reaching the excellent level of listed banks. In the first half of 2008, Bank of Beijing achieved a net profit of 2.9 billion yuan, a year-on-year increase of 121%. Its per capita profit-generating ability and cost control level ranked first among listed banks.

Get out of the area faster. Following its successful listing, Bank of Beijing established its second off-site branch in Shanghai on October 28, 2007, officially entering the Yangtze River Delta economic region and actively participating in the construction of an international financial center; on March 28, 2008, Bank of Beijing's Xi'an Branch was announced. , serving the development and prosperity of central cities in western China; the Shenzhen branch began trial operation on August 28, 2008, and will officially open on September 22; the acceleration of regional layout has continuously injected new development vitality into Bank of Beijing.

Entering the international market. The establishment of the Hong Kong representative office of Bank of Beijing has been officially approved by the China Banking Regulatory Commission and the Hong Kong Monetary Authority. It is extending its development reach to the international financial center and further accelerating the pace of international development.

Improve asset quality. Bank of Beijing's non-performing loan ratio has dropped from 3.34% to 1.74%, and the provision coverage ratio has increased by more than 40 percentage points to 141%. Asset quality has achieved a qualitative leap, and risk control capabilities have been significantly improved.

Promote product innovation. Bank of Beijing officially launched standard credit cards, with the number of cards issued exceeding 12,000 in just two months; it successively launched the supply chain financing service brand "Capital Express" and intellectual property pledge loan products, and held a large-scale cultural and creative financial product promotion conference; it was officially awarded It was granted the qualification for fund custody and the asset custody business was fully launched, making it the first city commercial bank in the country to obtain this qualification.

Accelerate business transformation. In the first half of this year, Bank of Beijing achieved non-interest net income of 414 million yuan, a year-on-year increase of 147.5%, and its intermediary business income increased significantly. The scale of credit to small and medium-sized enterprises increased by 45% from the beginning of the year, ranking first in the evaluation of the effectiveness of the People's Bank of China's small and medium-sized enterprise credit policy guidance. 1. Establishing a new community bank operating model of "marketing and service-led", Bank of Beijing ranks second among 54 domestic and foreign commercial banks in comprehensive financial management capabilities, and ranks first in revenue realization capabilities.

Serve the Olympics with all our strength. Bank of Beijing comprehensively promotes various Olympic financial services, and fully provides financial support for the Olympics with high-standard, high-quality, and high-level financial services. It has achieved zero complaints and safe operation of Olympic services and zero accidents, and its delayed services have won wide acclaim. , the foreign-related service capabilities have been comprehensively improved, showing the good brand image of China’s banking industry to the world.

Create a quality brand. In terms of product brands, Bank of Beijing's "Fortune 1 1" was awarded the top ten most credible brands in China's financial services; "Little Giant" won the "Best Financing Brand for Small and Medium-Sized Enterprises"; and won the "Best Online Bank" and "Best Personal Banking". Credit Services" and other awards. In terms of bank brands, in the "China's 500 Most Valuable Brands" list authoritatively released by the World Brand Laboratory, the Bank of Beijing's brand value reached 4.857 billion yuan, ranking 7th in China's banking industry. The responsibility report released this time pointed out that Bank of Beijing has created many firsts in supporting the development of small and medium-sized enterprises, supporting environmental credit business, and supporting cultural and creative industries: it is the first to cooperate with the government to launch small guaranteed loans, the first to cooperate with The Beijing Municipal Development and Reform Commission cooperated to launch the "Financing E-road"; it was the first city commercial bank to sign a cooperation agreement on China's energy conservation and emission reduction projects with the International Finance Corporation (IFC); it was among the first to participate in the docking work between Beijing's cultural and creative industries and financial capital. Financial institution; one of the first banks to cooperate with the Zhongguancun Science and Technology Park Management Committee to launch the "Gazelle Plan" and park credit loans; one of the first banks to issue international student entrepreneurship loans to enterprises in the park.

Create value for customers.

In order to deeply understand customer needs, Bank of Beijing has developed a CRM system that integrates various customer information based on the traditional model. Combined with this system, the bank can provide customers with personalized products and services; in terms of services, Bank of Beijing provides customers with It provides a variety of value-added services such as business consultation, health knowledge lectures, parent-child science popularization activities, and financial management salons; in terms of products, the bank continues to strengthen product innovation, strives to create high-quality banking products, and launches "Xinxi" financial management, migrant workers Card, "Fortune 1 1" corporate financial service brand, "Little Giant" small and medium-sized enterprise financing products and a series of special products that are widely praised by customers; in terms of network construction, Bank of Beijing has optimized the layout of physical outlets and increased electronic banking and telephone banking. functions, promote community banking projects, etc., and gradually form a three-dimensional and efficient distribution network that combines wealth centers, community banks, electronic banks, self-service banks, and traditional banks to meet the different needs of customers.

Create profits for shareholders. Bank of Beijing has continuously improved its corporate governance and established a modern corporate governance structure composed of shareholders' meeting, board of directors, board of supervisors and senior management, forming a system of mutual checks and balances, effective coordination and clear responsibilities among owners, decision-makers, supervisors and operators. , a working mechanism in which each performs its own duties, creating sustained returns for shareholders; through in-depth cooperation with foreign shareholders ING and IFC, the value of the company and shareholders has been comprehensively enhanced; through prudent and scientific risk management, it has achieved a "double reduction in non-performing loans" for many consecutive years ", so that the safety of shareholders' rights and interests can be fully protected; by enhancing profitability and strengthening cost control, we strive to maximize the interests of shareholders; we have distributed cash dividends for 12 consecutive years to ensure that the company's development results benefit shareholders; by improving the quality of information disclosure, we have enhanced information transparency and Accessibility ensures fairness, openness and impartiality in information disclosure.

Create a future for employees. Bank of Beijing strives to "activate the incentive mechanism and release development momentum" and gradually explores and establishes a good mechanism for introducing talents, cultivating talents, selecting talents, and using talents, and explores and forms an open-ended mechanism with "horse racing" as the core and "horse breeding" as the basis. Competitive selection and employment mechanism. At the same time, Bank of Beijing also helps employees grow rapidly through a systematic and complete training mechanism; lays out career ladders for employees through dynamic employee career development channels; and builds a people-oriented corporate culture through a harmonious working atmosphere.

Create wealth for society. After the off-book operations of Zhongguancun Branch were exposed, Bank of Beijing successfully resolved the huge historical burden by relying on its own development without government capital injection and divestiture of non-performing assets, and achieved a simultaneous increase in social value and corporate value. At the same time, Bank of Beijing actively repays society. As of the end of 2007, the bank had paid a total of RMB 6.35181 million in taxes; in terms of public welfare investment, it actively supported the construction of Hope Primary School, established the Public Security Heroes Fund, fought SARS, launched national student loans, etc., in addition to individual employee donations, as of the end of 2007 , Bank of Beijing has donated more than 20 million yuan to society through various means. In eleven years of reform and practice, Bank of Beijing has explored and formed scientific business concepts, advanced systems and mechanisms, and a unique corporate culture, achieved good development results, and laid a solid foundation for harmonious development. When facing the future, the development strategy should be focused on the following important aspects.

Improving corporate governance and laying a solid foundation for development. Over the past eleven years, the Bank of Beijing's corporate governance structure has been continuously improved, the corporate governance mechanism has been continuously improved, the decision-making functions of the Board of Directors, the supervisory functions of the Board of Supervisors and the executive functions of the senior management have been continuously strengthened, forming clear boundaries of responsibilities during development and establishing an independent , effective risk management system and internal control system.

Promote strategic transformation and reshape the development model. Strategic transformation is a major strategy proposed by Bank of Beijing to face the future and comply with the trend of international development, comprehensive operations and brand survival. Its core is the adjustment and optimization of the operating structure, including achieving balanced development of asset business and liability business, wholesale business and Balanced development of retail business, traditional business and new business, actively explore comprehensive operations, innovate financial products and services, change scale orientation to value orientation, change extensive operation to refined operation, change single profit to diversified profit, and realize asset structure , liability structure, income structure, outlet structure, etc., to lay a business foundation for sustainable development.

Reform systems and mechanisms to improve management levels.

Extensively draw on the advanced management experience of the domestic and foreign banking industries, change operating methods, strengthen vertical integration and intensive management of resources, and gradually build a process bank; change marketing methods, improve management support capabilities, build a professional team, and improve market risk identification capabilities, specialization, and differentiated service capabilities; reform the assessment method to achieve management intensification, specialization in division of labor, marketing integration, and service differentiation, and is committed to building a scientific incentive assessment mechanism to guide the optimization and adjustment of the bank's business structure and promote The bank's management functions have shifted from exercising power to assuming responsibilities, and comprehensively improved management levels.

Encourage financial innovation and enhance development potential. With business reform as the core, Bank of Beijing has established a sound and sound innovation mechanism through changes in corporate governance, organizational structure, business processes, risk management, and performance management; through the transformation of talent teams and technology models, it has formed talent and technical support to promote innovation. ; By taking the corporate spirit as the soul, relying on the corporate system, and using the corporate image as the carrier, we will vigorously cultivate and build an advanced corporate culture, form a conceptual environment and cultural environment that promotes innovation, and ultimately enhance the Bank of Beijing's continuous innovation capabilities.

Attach importance to cultural construction and create a harmonious atmosphere. As a publicly-held bank, the bank has put forward its sacred mission for its own development, which is to "create value for customers, create income for shareholders, create a future for employees, and create wealth for society." This mission is what Bank of Beijing shoulders. The harmonious unity of social responsibility, corporate value, shareholder rights and interests, and employee interests is the core value concept of building a harmonious bank, and it is also an intrinsic requirement for building a harmonious bank. It reflects the Bank of Beijing's continuous deepening of its understanding of the laws of development in the new stage of development. In the new stage of development, Bank of Beijing will pay more attention to the construction of corporate culture, correctly handle the relationship between the interests of shareholders, customers and employees, gather more strength, create a harmonious atmosphere, and improve and improve the mechanism. *** At the same time, we will push forward the construction cause of Bank of Beijing.