The Fourth Plenary Session of the 20th CPC Central Committee made systematic arrangements for further comprehensively deepening reform and advancing Chinese-style modernization, emphasizing the need to improve the modern financial system and enhance the efficiency and effectiveness of financial services to the real economy, thus pointing the way forward for financial work in the new era. As an important pillar of the capital's financial system, Beijing Rural Commercial Bank has always kept in mind the "greater national interests" and the "important matters of the city," consciously integrating its own development into the overall national strategy and the capital's functional positioning.
Since the beginning of the 14th Five-Year Plan period, the bank has adhered to high-quality development as its primary task, thoroughly implemented the decisions and deployments of the CPC Central Committee and the State Council, as well as the work requirements of the Beijing Municipal Party Committee and the Municipal Government, firmly grasped the general principle of "seeking progress while maintaining stability," fully, accurately, and comprehensively implemented the new development philosophy, focused on its core responsibilities and main businesses, deepened reform and innovation, strictly adhered to the bottom line of risk, and solidly promoted the implementation and effectiveness of the "Beijing Rural Commercial Bank Five-Year Development Strategic Plan (2021-2025)." As of the end of September 2025, major operating indicators have progressed on schedule and achieved significant results. It is expected to successfully complete the target tasks at the end of the planning period. The bank has delivered a substantial and inspiring financial report in serving the construction of the "four centers," promoting the coordinated development of Beijing-Tianjin-Hebei region, empowering technological innovation, assisting rural revitalization, and improving people's well-being, fully demonstrating the political responsibility, strategic determination, and people-oriented sentiment of a state-owned financial enterprise in the capital.
With steady business operations, improved quality and efficiency , and overall strength reaching a new level.
During the 14th Five-Year Plan period, Beijing Rural Commercial Bank has always taken high-quality development as its core goal, coordinated the dynamic balance of scale, efficiency and risk, made progress on key operating indicators in an orderly manner, and significantly enhanced its development resilience and comprehensive strength.
The bank's stable growth in scale demonstrates its confidence in development. As of the end of September 2025, the bank's assets reached RMB 1,349.76 billion, an increase of over RMB 320 billion compared to the end of 2020; deposits reached RMB 875.54 billion; and loans reached RMB 504.81 billion, with credit allocation precisely targeting key areas and weak links in the real economy.
A robust risk defense system has solidified the foundation for development. Over the past five years, the bank has prioritized risk control in its operations, creating a comprehensive risk protection network. As of the end of September 2025, the provision coverage ratio reached 250.24%, and its capital replenishment and risk resilience capabilities continued to meet regulatory requirements; the non-performing loan ratio remained stable at 1.19%, and asset quality remained at an excellent level within the industry.
The "high incremental" contribution to profitability highlights the value of development. During the "14th Five-Year Plan" period, the bank achieved a net profit of 37.34 billion yuan, a total profit of 43.02 billion yuan, and operating income of 77.132 billion yuan.
Anchoring the Capital Strategy to Precisely Empower High-Quality Development
Over the past five years, Beijing Rural Commercial Bank has closely followed the strategic deployment of the construction of the "four centers" and the "five-pronged" linkage of the capital, deeply embedding its own development into the overall development of the capital. It has focused its efforts on key areas such as serving the upgrading of the capital's functions, the coordinated development of Beijing-Tianjin-Hebei region, and the protection of people's livelihood, so that the responsibility of state-owned financial enterprises can take root and flourish.
Amid the wave of building an international science and technology innovation center, the bank is accelerating its development with science and technology finance as its engine. It has organized and promoted the specialization of science and technology finance, becoming one of the first leading science and technology finance institutions, selected as a pilot for the Zhongguancun Science and Technology Innovation Financial Service Center, and one of the first pilot units for the comprehensive intellectual property finance ecosystem in Beijing. It has innovatively launched five exclusive science and technology finance loan products: "Specialized, Refined, and Innovative Credit Loan," "Science and Technology Talent Loan," "Science and Technology Order Loan," "Science and Technology R&D Loan," and "Equity Option Loan," as well as two intellectual property finance ecosystem financing products: "Science and Technology Innovation Smart Loan" and "Science and Technology Innovation Chain Loan," forming a matrix of 75 products covering the entire life cycle of enterprises. In the past five years, it has cumulatively disbursed over 200 billion yuan in science and technology finance loans. As of the end of September 2025, the outstanding loan balance for technology-based enterprises exceeded 60 billion yuan, with the number of customers increasing by over 450% compared to the end of 2020; the outstanding loan balance for specialized, refined, and innovative enterprises was nearly 11 billion yuan, a tenfold increase compared to the end of 2021. For five consecutive years, it has been rated as excellent in the evaluation of the policy guidance effect of science and technology innovation credit among Chinese-funded banks in Beijing, providing financial support for technological innovation.
In the blueprint for building an international benchmark city for green economy, this bank has drawn its blueprint with green finance as its foundation. It formulated a special work plan for green finance and established a dedicated green finance institution in the Beijing Municipal Administrative Center. Since 2020, it has cumulatively issued over 100 billion yuan in green loans, and as of the end of September 2025, the outstanding balance of green loans exceeded 75 billion yuan. In 2023, it became the only local legal entity bank in Beijing to receive a "good" rating in the green finance evaluation by the Beijing Branch of the People's Bank of China. In 2024, it was selected as one of the China Enterprise ESG Index 100 by the China Environmental Protection Federation, and related cases were selected as "2024 Beautiful China Construction Practice Cases," using financial power to protect green mountains and clear waters.
In the grand scheme of building a national cultural center, this bank adds brilliance with its cultural and creative finance. By improving its innovative management mechanism for cultural and creative finance and establishing a three-tiered organizational structure of "head office-branch-outlets," it has successfully implemented its first loan to support the application for World Heritage status for Beijing's central axis, safeguarding the inheritance of cultural heritage with financial power. Simultaneously, by supporting events such as the Beijing International Audio Exhibition, Beijing Fashion Week, the National Trend New Youth Design Competition, and the "Exploring the Grand Canal" Culinary Skills Competition, it has continuously enhanced its distinctive brand in cultural and creative finance, earning the title of "Beijing Time-Honored Brand" plaque and certificate, becoming the first financial institution to receive this honor. It has also established a strategic partnership with the Beijing Time-Honored Brand Association and sponsors its activities, actively supporting the capital's cultural development. As of the end of September 2025, the outstanding loan balance for cultural and creative enterprises was nearly 24 billion yuan, an increase of nearly 110% compared to the end of 2020, injecting vital financial resources into the development of the cultural industry.
Deeply rooted in the fertile soil of people's livelihood , writing a new chapter in rural revitalization and boosting domestic demand.
During the 14th Five-Year Plan period, Beijing Rural Commercial Bank has always adhered to its original mission of supporting agriculture and small businesses, taking serving the improvement of people's livelihood and promoting common prosperity as the starting point and end point of its financial work. It focuses on the rural revitalization strategy and the main battlefield of expanding domestic demand, using financial resources to nourish every inch of land for integrated urban-rural development. While promoting strong agriculture, beautiful countryside and prosperous farmers, it also activates the consumption vitality of the capital and demonstrates the people-oriented warmth of state-owned financial enterprises.
In the field of rural revitalization, the bank has sown the seeds of finance and reaped fruitful results. Adhering to a two-pronged approach of top-level design and grassroots practice, it has built a "1+1+1+N" financial service system. Over the past five years, it has cumulatively provided 235 billion yuan in loans for rural revitalization, including approximately 150 billion yuan for ensuring stable production and supply of agricultural products and approximately 55 billion yuan for new rural construction. As of the end of September 2025, the outstanding balance of agricultural loans under its supervision was nearly 60 billion yuan, an increase of 64.22% compared to the end of 2020; the outstanding balance of inclusive agricultural loans has achieved a leapfrog growth of more than four times.
In line with the capital's "Hundred-Thousand Project," the bank has deployed 132 "Rural Revitalization Financial Assistants," "Deputy Village Financial Managers," and "Rural Revitalization Financial Stewards" to five districts including Miyun, Yanqing, and Fengtai, extending financial services, policy promotion, and credit building to the fields and villages. Simultaneously, it is advancing the "Hundred-Thousand Project" credit village assessment, having completed the credit village certification for 129 out of 174 participating villages, providing settlement services to 157 villages, and connecting 99 villages to the "Bank-Farmer Direct Link" system, with loan coverage exceeding 85% of the total number of participating villages. The bank is also deeply involved in Beijing's Financial Technology Empowering Rural Revitalization Demonstration Project, with six projects selected for the municipal-level demonstration list, ranking first among financial institutions in the city, thus empowering rural revitalization through technology.
The bank continues to enrich its product innovation "toolbox," creating the "Phoenix Soaring" rural revitalization financial service brand, forming a distinctive matrix encompassing 29 products across 6 categories. The "New Rural Housing Loan" precisely targets the needs of new construction, renovation, and decoration of homesteads, with cumulative credit lines exceeding 100 million yuan; the "Honey Loan" is tailored to support the development of beekeeping in Miyun, with a maximum loan amount of 500,000 yuan and a term of 3 years, helping "little bees" create a "big industry"; the "Warm-hearted Agricultural Loan" specifically supports the upgrading of rural clean heating equipment, providing dedicated loan funds for individuals. The bank has also created the "Affectionate Station" rural financial complex, covering all 11 districts of the city, integrating convenient financial services, Party building publicity, agricultural sales assistance, and grassroots governance, allowing the "small station" to unleash its "great energy" in serving rural areas.
In terms of expanding domestic demand, the bank has used consumer finance as an engine to stimulate vitality. Closely aligned with the goal of building an international consumption center city, it has issued a special work plan to strengthen the supply of consumer finance. As of the end of September 2025, personal consumer loans increased by a net 24.683 billion yuan compared to the end of 2020, achieving a leapfrog growth. It has created the "Hao Hui" consumer service brand, conducted more than 130 online and offline promotional activities, and actively utilized new technologies such as digital human and live streaming to enhance promotional effectiveness, with quick payment transaction volume exceeding 130 billion yuan. Sponsoring Beijing TV's "Twelve Hours in Beijing," it deeply integrated the "Benefit Life" concept, achieving multi-dimensional exposure for "Rural Revitalization Credit Card," "Hao Hui," and "Phoenix Rural Tourism" consumer finance products, effectively driving the consumption boom in commercial districts.
The bank has continuously expanded the coverage of its public services, focusing on new urban residents by launching exclusive savings products and issuing over 3.94 million Agricultural Bank of China cards for the Beijing-Tianjin-Hebei region, thus facilitating financial services for residents in the three areas. In the field of elderly care finance, it has issued over 6.4 million elderly and disabled assistance cards, established its first demonstration branch for age-friendly services under the "Golden Time" brand, launched exclusive products such as "Enjoyable Monthly Savings" and "Elderly Loan," and developed over 10,000 merchants providing elderly and disabled assistance, covering established chain enterprises such as Daoxiangcun and Chaoshifa. In 2025, it conducted over 9,000 "Golden Time Community Tours," benefiting 372,700 people, and innovatively used age-friendly methods such as voice broadcasts and large-print booklets to popularize anti-fraud knowledge, effectively protecting the "wallets" of the elderly.
Standing at the historical juncture of the conclusion of the 14th Five-Year Plan and the planning of the 15th Five-Year Plan, Beijing Rural Commercial Bank will comprehensively summarize its development experience over the past five years, base itself on the new development stage, implement the new development philosophy, serve the new development pattern, continuously deepen reform and innovation, strengthen the quality and efficiency of financial services, adhere to its original mission of supporting agriculture and small businesses, and write a more splendid chapter on the new journey of serving the construction of the capital's "four centers" functions and promoting high-quality development.
(Data source: Beijing Rural Commercial Bank)
