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4月15日下午,北京银行股份有限公司(以下简称“北京银行”)举行2024年年度业绩发布会。北京银行董事长霍学文、副行长(代为履行行长职责)戴炜等一众高管出席。

会上,北京银行高管就投资者关心的数字化转型、净息差缩窄、科技金融等问题一一做了解答。

谈人工智能:秉承“AllinAI”理念

当前,数字化转型已经成为银行业的必答题,北京银行经过三年的数字化转型,如今已经进入到数字化转型2.0阶段,即全面数字化经营阶段。

北京银行董事长霍学文表示,通过数字化转型,北京银行技术能力全方位升级,夯实了技术底座,打赢了统一数据底座、统一金融操作系统、统一风控平台“三大战役”。北京银行加大科技投入,2024年科技投入占营收比重达到4.6%,处于同业较高水平。

同时,北京银行的业务模式实现了全方位的升级,通过数字化转型,积极打造零售、对公、金融市场、运营、风控、科技、经营“七大水晶球”,赋能全行从“经验决策”向“数智决策”转变。

谈及人工智能对银行业的重塑,霍学文表示,北京银行秉承“AllinAI”理念,建立了大模型和小模型一体的技术开发体系,不断打造人工智能驱动的商业银行。目前,AI驱动让北京银行在三方面取得显著成效:降低运营成本、提升效能、价值创造。未来将推动AI与“123456”战略布局深度融合,让人工智能成为北京银行的核心竞争力。

谈息差下行:强化四大竞争优势

2024年,北京银行净息差为1.47%。从2024年第二季度开始,连续3个季度净息差保持稳定。

戴炜表示,北京银行息差下降的幅度显著低于行业平均水平。面对息差下滑的趋势,未来北京银行将强化自身的优势。

一是负债成本优势,得益于精细化客群管理,北京银行扩大了低成本的存款来源。此外,北京银行以数字化产品服务为动力,发展了平台金融、产品金融、生态金融、并购金融、跨境金融、财富金融6大创新金融,通过持续丰富产品服务的供给,带动低成本结算性存款的稳健增长。

二是巩固成本费用比优势。北京银行长期以来严格控制费用,成本收入比始终处于行业较低水平,未来加上数字化转型,这将成为北京银行的一大重要优势。

三是发挥金融市场优势。2024年,北京银行非息净收入同比增长了10%,北京银行积极布局了金融市场业务,充分加强投研能力,加速债券、票据等业务的交易和流转,实现了投资收益较快增长。

四是抓好资产质量。通过持续努力,北京银行不断消化历史上的不良资产和包袱,不良生成率连续四年下降,资产质量不断向好。未来北京银行会紧抓资产质量,加强风险管理。

“通过不断强化竞争优势,坚持精细化管理,实现降本增效,未来我们有信心为股东提供更好的回报。”戴炜说。

谈差异化竞争:最大优势是地处北京

戴炜表示,在低息差体系下,银行要走集约化经营发展道路,走特色化发展道路,根据自身优势实现未来的可持续发展。

“北京银行最大的优势是地处北京,北京这两个字就是北京银行最大的品牌和形象。”戴炜表示,北京银行在北京市场的存贷款规模均排名第三。成立29年来,北京银行始终秉持服务地方经济,服务中小企业,服务市民百姓的战略。北京银行在服务中小企业客户方面有诸多优势,很多北京地区知名上市企业在创立初期的首笔贷款都是北京银行提供的,北京银行一直伴随着这些企业成长。

谈科技金融:打造“专精特新第一行”

打造“专精特新第一行”是北京银行的发展战略之一。截至2024年末,北京银行服务专精特新客户突破2万户,较年初增超6400户;专精特新贷款余额1068亿元,较年初增338亿元。目前已累计为5万家科技型中小企业提供贷款支持超过1.2万亿元。

“北京银行服务了北京市80%的创业板、71%的科创板、74%的北交所上市企业,覆盖73%的国家级专精特新‘小巨人’企业及55%的专精特新中小企业。”北京银行副行长郭轶锋介绍道。

郭轶锋表示,北京银行坚持科技引领,以数字金融赋能专精特新金融服务质效提升,推出“领航e贷”“科创e贷”“金粒e贷”“联创e贷”等创新信贷产品,并以“客户为中心”构筑线上产品统一入口“统e融”,为专精特新企业及专精特新潜力客群提供高效便捷的融资服务。

其中,“领航e贷”作为专精特新和制造业单项冠军企业的专属产品,在市场上处于领先地位,截至2024年末产品累计放款突破1000亿元。同时,加大专精特新企业组合金融支持力度,深化集团协同,匹配特色产品服务,强化“股权+债权”“金融+非金融”“企业+个人”的全方位、多元化金融服务供给。

未来,北京银行将把打造“专精特新第一行”与做好科技金融大文章紧密结合,打造更加专业、精细、特色、新颖的金融服务,进一步深挖专精特新资源,同时加大拓展高新技术企业、科技型中小企业、创新型中小企业等名单类客户。优化组合金融供给,提升客群综合收益。做好专业底座构筑,提升运营服务质效。

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