Bank of Beijing (601169) investor relations material

Executive summary

• 9M 2026 revenue rose 6.26% YoY to RMB 54,815 million; net profit attributable to parent shareholders increased 6.10% to RMB 22,349 million.

• Total assets were RMB 4,765.6 billion at Sept. 30, down 3.50% from year-end; loans increased 0.24% and deposits rose 5.12% from year-end.

• Asset quality remained stable: NPL ratio 1.29%, unchanged from year-end; provision coverage rose 0.38 percentage points to 200.59%.

Financial highlights

• Q3 revenue was RMB 16,567 million, up 7.79% YoY; 9M revenue was RMB 54,815 million, up 6.26%.

• Q3 net profit attributable to parent shareholders rose 7.29% YoY to RMB 6,449 million; 9M profit increased 6.10% to RMB 22,349 million.

• 9M profit excluding non-recurring items was RMB 22,489 million, up 6.74% YoY; reported profit included RMB 139 million of net non-recurring losses.

• 9M total operating expenses rose to RMB 28,668 million from RMB 27,636 million; credit impairment losses increased to RMB 14,193 million from RMB 12,443 million.

• 9M net interest income rose 5.08% to RMB 41,239 million as interest expense fell to RMB 45,727 million from RMB 51,069 million; interest income declined to RMB 86,966 million from RMB 90,315 million.

Outlook and guidance

• Strategic priorities include balanced growth, improved business structure and asset quality, digital enablement, and expanded financing for technology, green and other priority sectors.

• Five operating initiatives target ecosystem services, digital capabilities, differentiated businesses, more granular customer management and higher-quality support for the real economy.