[Table_Page] 年报点评|城商行Ⅱ 证券研究报告 [北Table_京Title] 银行（601169.SH） [公Tab司le_评Inve级st] 买入 当前价格 5.66元 息差稳定，其他非息高增 合理价值 6.59元 前次评级 买入 [ 核Tab 心le_S 观umm 点ary] ： 报告日期 2024-04-12 ⚫ 北京银行发布2023年报，我们点评如下：23年营收、PPOP、归母净 [相Tab对le_P市icQ场uote表] 现 利润同比分别增长 0.7%、-3.1%、3.5%，增速较 23Q1~3 分别变动 +3.87pct、+6.14pct、-1.01pct。从累计业绩驱动来看，规模扩张、拨 40% 28% 备计提和其他收支是主要正贡献，净息差、净手续费收入以及成本收入 15% 比上升等因素形成拖累。 3% ⚫ 亮点：（1）资产规模稳步扩张。公司23年生息资产同比增长11%，增 -10%04/23 06/23 08/23 10/23 12/23 02/24 04/24 -22% 速同比上升0.63pct。贷款同比增长12%，增速同比上升4.73pct，其 北京银行 沪深300 中对公贷 ...

公 司 研 证券研究报告 究 ＃industryId＃ 银行 II ＃ dyCompany＃ 北京银行（601169.SH） ＃ dyStockcode＃ ＃title 业绩拐点持续验证，零售转型成效显著 ＃inve增stSu持ggest ion＃ ( i维 nv＃ e持 stS ） ——北京银行 2023年年报点评 公 ou ng Cg e hs at ni ＃createTime1＃ 2024年 4月 12日 司 ge＃ 投资要点 点 ＃relatedReport＃ ＃summary＃ 相关报告 ⚫ 营收增速表现亮眼，业绩拐点持续验证。2023年营收和归母净利润分别同比 评 +0.7%、+3.5%（Q4 单季度分别为+14%、-0.1%），营收增速表现亮眼，业绩 报 拐点验证，改善弹性较大。驱动因素包括：①规模扩张保持稳健，贷款增速 告 12.3%，发挥北京主场优势的同时，加大长三角投放力度；同时息差表现相对 稳健，净息差1.54%，较去年上半年持平。②其他非息收入同比+62.7%，主要 ＃分em析a师ilA：ut hor＃ 由投资净收益及公允价值变动收益贡献。③信用减值损失同比-11.8%，资产质 ＃陈 ...

股 票 研 究 [Table_industryInfo] 商业银行/金融 [ Table_Main[ITnafbol]e _Title] [评Tab级le_：Inv est] 增持 北京银行(601169) 上次评级： 增持 营收增速回正，零售转型效果凸显 目标价格： 6.50 公 上次预测： 5.50 ——北京银行2023 年报业绩点评 司 当前价格： 5.60 更 刘源(分析师) 钟昌静(研究助理) 2024.04.14 新 021-38677818 010-83939787 [交Ta易bl数e_M据a rket] 报 liuyuan023804@gtjas.com zhongchangjing028678@gtjas.com 52周内股价区间（元） 4.30-5.74 告 证书编号 S0880521060001 S0880123070141 总市值（百万元） 118,401 总股本/流通A股（百万股） 21,143/21,143 本报告导读： 流通 B股/H股（百万股） 0/0 北京银行2023年报业绩基本符合预期。2023年营收增速回正，信贷增长强劲，零售 流通股比例 100% 转型效果凸显，零售条线 ...

Financial Performance - The company achieved a revenue of RMB 66.711 billion in 2023, a slight increase of 0.66% year-on-year, with operating profit reaching RMB 28.11 billion, up 4.33%, and net profit attributable to shareholders of RMB 25.624 billion, a 3.49% increase [1] - Net interest income accounted for 75.47% of total revenue at RMB 50.35 billion, a decrease of 2.15% year-on-year, while net fee and commission income dropped by 46.9% to RMB 3.752 billion [1][2] - Other net income surged by 62.65% to RMB 12.609 billion, driven by investment income, asset disposal gains, and fair value changes [2][3] Asset and Liability Structure - Total assets reached RMB 3.748679 trillion by the end of 2023, a 10.65% increase year-on-year, maintaining its position as the largest city commercial bank [5] - Total liabilities grew by 11.15% to RMB 3.420447 trillion, with customer deposits increasing by 8.18% to RMB 2.069791 trillion [5][6] - Loans and advances totaled RMB 2.015552 trillion, up 12.14% year-on-year, with corporate loans increasing by 16.62% to RMB 1.169317 trillion [5][6] Interest Rate and Profitability Metrics - The net interest margin (NIM) declined to 1.54% in 2023 from 1.76% in 2022, while the net interest spread narrowed to 1.53% from 1.71% [4] - Return on assets (ROA) decreased to 0.72% from 0.77% in 2022, and return on equity (ROE) fell to 9.32% from 9.6% [4] Loan Portfolio and Risk Management - Corporate loans accounted for 65.14% of total loans, with general loans and advances making up 56.65% [8] - Personal loans increased by 9.8% to RMB 702.581 billion, with personal consumption loans growing significantly, while personal housing loans decreased by RMB 13.1 billion [6][7] - The non-performing loan (NPL) ratio improved to 1.32%, down 0.11 percentage points year-on-year, with a provision coverage ratio of 216.78%, up 6.74 percentage points [9] Regional and Sectoral Focus - 43.27% of the company's loans were allocated to the Beijing region, with over 80% distributed across Jiangsu, Zhejiang, and Shenzhen [5] - The company emphasized strict control over large credit exposures, inter-regional credit, and high-leverage enterprises to mitigate risks [9]

Core Viewpoint - Beijing Bank has increased employee salaries significantly in 2023, reflecting its strong financial performance despite challenges in the banking sector [1][2]. Group 1: Employee Compensation - In 2023, Beijing Bank's total employee compensation reached 9.386 billion yuan, an increase of 1 billion yuan from 8.382 billion yuan in 2022 [1]. - The average annual salary for employees rose to 482,700 yuan in 2023, up from 466,200 yuan in 2022, indicating an increase of 16,500 yuan, or approximately 1,375 yuan per month [1]. - The bank's workforce grew by 1,465 employees in 2023, with a notable recruitment of nearly 1,300 recent graduates, marking the highest recruitment scale in history [1]. Group 2: Financial Performance - Beijing Bank reported a revenue of 66.711 billion yuan in 2023, a year-on-year increase of 0.66%, and a net profit attributable to the parent company of 25.624 billion yuan, up 3.49% from the previous year [1]. - The non-performing loan ratio was 1.32%, a decrease of 0.11 percentage points from the beginning of the year, while the provision coverage ratio increased by 6.74 percentage points to 216.78% [1]. - As of the end of 2023, the bank's total assets reached 3.75 trillion yuan, reflecting a growth of 10.65% from the beginning of the year, maintaining its position as the largest city commercial bank [1]. Group 3: Management and Strategy - The bank's compensation and evaluation policies are aligned with its strategic development goals, emphasizing the importance of compliance, risk management, operational efficiency, transformation, and social responsibility [2]. - The chairman, Huo Xuewen, has consistently praised the employees' contributions and emphasized the importance of a dedicated and professional workforce [2].

公 银行 司 2024年 4月 12日 报 北京银行(601169.SH) 告 非息拉动营收回正，资产质量保持稳健 推荐（维持） 事项： 4 月11 日，北京银行发布 2023 年年报，2023 年实现营业收入667 亿元，同 股价：5.66 元 比增长0.7%，全年实现归母净利润256亿元，同比增长3.5%，加权平均净资 产收益率9.32%，同比下降0.28个百分点。23年末，总资产3.75万亿元，较 公 主要数据 年初增长 10.65%，其中贷款规模较年初增长 12.1%，存款规模较年初增长 司 8.2%。2023年利润分配预案为：每股分红0.32元（含税），分红率为30.28%。 行业 银行 年 公司网址 www.bankofbeijing.com.cn 大股东/持股 ING BANK N.V./13.03% 平安观点： 报 实际控制人  营收表现回暖，拨备计提力度加大。北京银行2023年归母净利润同比增 点 总股本(百万股) 21,143 长3.5%（+4.5%，23Q1-3），主要是公司4季度加大了拨备计提力度，全 流通A股(百万股) 21,143 年信用减值损失同比负增11.5%（-26.4%， ...

Financial Performance - Total assets reached 3.75 trillion yuan, a year-on-year increase of 10.65%[10] - Net profit attributable to shareholders was 25.624 billion yuan, up 3.49% year-on-year[10] - Operating income for 2023 was 66.711 billion yuan, a year-on-year increase of 0.66%[20] - Net profit attributable to shareholders was 25.624 billion yuan, a year-on-year increase of 3.49%[20] - Revenue for 2023 reached RMB 66.711 billion, a year-on-year increase of 0.66%[39] - Net profit attributable to shareholders of the parent company was RMB 25.624 billion, up 3.49% year-on-year[39] - Total assets grew by 10.65% to RMB 3.75 trillion by the end of 2023[42] - Revenue for the reporting period reached 66.711 billion yuan, a year-on-year increase of 0.66%[181][182] - Net profit attributable to shareholders of the parent company was 25.624 billion yuan, up 3.49% year-on-year[181][182] - Net interest income accounted for 75.47% of total revenue, a decrease of 2.17 percentage points year-on-year[184][185] - Non-interest net income in 2023 reached RMB 16.361 billion, a year-on-year increase of 10.41%, accounting for 24.53% of total operating income[193] - The company's fee and commission net income in 2023 was RMB 3.752 billion, a significant decrease of 46.90% compared to 2022, primarily due to reduced income from agency and entrusted business[194] - Business and management expenses in 2023 amounted to RMB 19.269 billion, an increase of 9.49% year-on-year, with a cost-to-income ratio of 28.88%[195] Asset Quality and Risk Management - Non-performing loan ratio decreased to 1.32%, down 0.11 percentage points from the beginning of the year[10] - Provision coverage ratio improved to 216.78%, up 6.74 percentage points from the beginning of the year[10] - Non-performing loan ratio decreased by 0.11 percentage points to 1.32%[20] - Provision coverage ratio increased by 6.74 percentage points to 216.78%[20] - The non-performing loan ratio decreased by 0.11 percentage points to 1.32%, while the provision coverage ratio increased by 6.74 percentage points to 216.78%[46][47] - The non-performing loan ratio was 1.32%, a decrease of 0.11 percentage points from the beginning of the year[66] - The bank's retail non-performing loan ratio was 1.15%, with asset quality remaining stable and controllable[79] - Non-performing loan ratio and overdue loan ratio decreased compared to the beginning of the year, with the non-performing loan generation rate also declining year-on-year, and the provision coverage ratio increased compared to the beginning of the year[155] - The new credit risk management system was fully launched, achieving 100% coverage of credit risk quantitative assessment for industrial and commercial registered enterprises, with an average early warning time improved to 4 months[157] Digital Transformation and Innovation - Completed 20 major projects and 13 shortlisted projects in digital transformation[12] - Launched the "Jingzhi Brain" AIB financial intelligent application platform[12] - The company established a digital currency innovation lab in Suzhou and became the first city commercial bank to access the central bank's digital RMB system[21] - The company launched the "AIB" (AI Banking) platform, aiming to build an "AI-driven commercial bank"[23] - The company optimized the "Smoke Index" 2.0 version, enabling early warnings up to 15 months in advance, with an average warning time improved to 4 months[23] - The bank built a unified data base, a unified financial operating system, and a unified risk control platform, winning the first "three major battles" of digital transformation[121] - The bank launched the "new three major battles" of digital transformation, focusing on "big retail, big operations, and big technology"[122] - The company's AI-driven banking initiative has deployed over 2,000 customer engagement strategies, reaching over 370 million customers[127] - The company invested RMB 2.89 billion in digital transformation, including technology R&D, equipment procurement, and infrastructure construction[195] - The number of IT employees at the end of 2023 was 977, with 99% holding a bachelor's degree or higher, including 59.47% with a master's degree or above[197][198] - The company's information technology investment accounted for 4.5% of its operating income in 2023, an increase of 0.8 percentage points compared to the previous year[199] - The company established a Financial Technology Management Committee in 2023, holding 7 meetings and identifying 20 major projects for the year[200] Loans and Advances - Loans for technology finance, green finance, and inclusive finance all grew by more than 30%[11] - Technology financial loan balance reached 259.236 billion yuan, a year-on-year increase of 33.10%[20] - Green loan balance reached 156.047 billion yuan, a year-on-year increase of 41.47%[20] - The balance of inclusive finance loans reached 231.516 billion yuan, a year-on-year increase of 34.5%[21] - The balance of loans for "specialized, sophisticated, distinctive, and innovative" enterprises reached 72.9 billion yuan, a year-on-year increase of 187%[21] - Total loans and advances increased by 12.14% to RMB 2.02 trillion, with corporate loans growing by 16.62% and personal loans by 9.80%[42][43] - The company's loan-to-deposit ratio improved, with a focus on supporting technology, green finance, and inclusive finance sectors[42] - The company's technology finance loan balance reached 259.236 billion yuan, an increase of 64.466 billion yuan or 33.10% from the beginning of the year[129] - The company's green loan balance reached 156.047 billion yuan, an increase of 45.744 billion yuan or 41.47% from the beginning of the year[130] - The company's inclusive finance loan balance reached 231.516 billion yuan, an increase of 59.388 billion yuan or 34.5% from the beginning of the year[131] - The number of inclusive small and micro enterprise loan accounts reached 349,000, an increase of 49,700 or 16.6% from the beginning of the year[132] - The company served nearly 13,000 "specialized, refined, and innovative" enterprises, with a loan balance exceeding 72.9 billion yuan, a year-on-year increase of 187.13%[105] - The company's "Linghang e-loan" product balance exceeded 29 billion yuan, becoming a flagship product for serving "specialized, refined, and innovative" enterprises[109] - The company's supply chain financing reached nearly 1 trillion yuan, with over 1,000 core enterprises and more than 10,000 chain enterprises, achieving a customer growth rate of over 100%[111] - The company's bond underwriting scale reached 235.499 billion yuan, a year-on-year increase of 88.44%, with an increment of 110.525 billion yuan, ranking first in the interbank market[112] - The company participated in the issuance of 17 out of 30 publicly offered REITs in the market, achieving full coverage of market-first REITs project investments[112] Retail Banking and Customer Focus - Targeted children and elderly customer groups in retail banking, aiming to become a "child-friendly bank" and a "bank for life"[13] - The number of personal pension fund accounts exceeded 1.3 million, ranking first among city commercial banks and first in market share in Beijing[21] - Retail AUM reached 1.0365 trillion yuan, a year-on-year increase of 6.32%, and the number of retail customers exceeded 29 million[65] - Retail revenue reached 24.39 billion yuan, a year-on-year increase of 10.21%, contributing 37.73% to the total revenue, an increase of 3.64 percentage points from the beginning of the year[75] - Retail AUM stood at 1.036526 trillion yuan, an increase of 61.584 billion yuan from the beginning of the year, with a growth rate of 6.32%[76] - Retail credit balance reached 698.901 billion yuan, an increase of 62.619 billion yuan from the beginning of the year, with a growth rate of 9.84%[77] - The number of retail customers exceeded 29 million, reaching 29.09 million, an increase of 1.566 million from the beginning of the year, with a growth rate of 5.69%[78] - The bank issued nearly 1.1 million "Xiao Jing Cards," serving 1.9 million families, with new customers accounting for 82% of the total[82] - The bank's retail interest net income increased by 14.1% year-on-year, contributing 46.94% to the total, an increase of 6.82 percentage points[75] - The bank's savings deposit scale exceeded 600 billion yuan, reaching 615.733 billion yuan, an increase of 77.966 billion yuan from the beginning of the year, with a growth rate of 14.5%[76] - The bank's retail credit structure was optimized, with the proportion of personal consumption and business loans increasing by 6.61 percentage points from the beginning of the year[77] - Pension account openings exceeded 1.3 million, achieving the goal of ranking first among city commercial banks and first in market share in Beijing[83] - The average deposit amount per pension account reached nearly 7,000 yuan, with deposit quality at a high level among peers[83] - The company issued over 8,300 exclusive "Talent Cards" to support high-level talent development in Beijing[85] - The "Aixin Tong" smart salary service added nearly 10,000 high-quality corporate clients[86] - The company's insurance AUM increased by 32.3% year-over-year, with 115 insurance products sold through 10 insurance companies[90] - Private banking product offerings increased by 82.6% year-over-year, with 566 products launched[91] - Private banking product sales scale grew by 64.2% year-over-year, with a 21.8% increase in outstanding product scale[91] - The company's "Aixin Tong" platform saw over 1 million participants in its "Aixin Welfare Day" brand activities[86] - The company's "Jingcai Fanghua 'She' Finance" brand was launched, focusing on female clients with exclusive financial products and services[84] - The company's "Jingcai Xipin" assistance activities involved over 100,000 employees, with consumption exceeding 10 million yuan[88] - The scale of the "Jing e Loan" product increased by 298% compared to the beginning of the year[92] - The electronic application rate for credit cards exceeded 90%, with the approval rate increasing by nearly 46 percentage points[93] - Debit card online payment transactions reached 750 million, with a transaction amount of 225.85 billion yuan, up 16.3% and 9.3% year-on-year respectively[94] - The "Shield" platform intercepted 337,300 risky transactions, recovering over 160 million yuan in customer losses[94] Corporate Banking and Strategic Initiatives - Focused on serving "specialized, refined, and innovative" enterprises in corporate banking[13] - The bank served 11% of the "specialized, sophisticated, distinctive, and innovative" enterprises nationwide with 1% of the financial assets[14] - The bank launched the "Pilot e-Loan" product and established the "Specialized, Sophisticated, Distinctive, and Innovative Research Institute" platform[14] - The bank's cash dividend ratio has remained above 30% since 2017[16] - The number of corporate value customers reached 67,800, an increase of nearly 10,000 from the beginning of the year[21] - The underwriting scale of non-financial corporate debt financing instruments increased by 110.5 billion yuan, ranking first in the interbank market[21] - The company participated in the issuance of 17 out of 30 public REITs projects in the market[21] - The issuance volume of "Xiaojing Card" reached nearly 1.1 million cards, with over 16,000 "Jingmiao Club" events held[21] - The company's RMB corporate deposit balance exceeded 1.4 trillion yuan, an increase of 123.3 billion yuan from the beginning of the year[99] - The balance of inclusive finance loans reached 231.516 billion yuan, an increase of 59.388 billion yuan from the beginning of the year, with a growth rate of 34.5%[102] - The balance of technology finance reached 259.236 billion yuan, an increase of 64.466 billion yuan from the beginning of the year, with a growth rate of 33.10%[103] - The company served nearly 13,000 "specialized, refined, and innovative" enterprises, with a loan balance exceeding 72.9 billion yuan, a year-on-year increase of 187.13%[105] - The company's value customer base reached 67,817, an increase of 9,554 from the beginning of the year, with a growth rate of 16.40%[105] - The company signed strategic cooperation agreements with 46 clients, including the Beijing Fengtai District Government, Beijing Property Exchange, and China Unicom, to build a comprehensive financial service ecosystem[106] - The company's cumulative business amount in the clean energy, automotive, and high-end equipment industry chains reached FPA caliber[106] - The company's corporate loans in the Beijing region totaled 313 billion yuan, with an overall project connection rate exceeding 80% and approved credit exceeding 40.4 billion yuan[107] - The company launched several online products, including "Linghang e-loan" and "Jingli e-loan," and upgraded the "Little Giant" APP to version 3.0, expanding credit financing services to 19 functions[108] - The company's "Linghang e-loan" product balance exceeded 29 billion yuan, becoming a flagship product for serving "specialized, refined, and innovative" enterprises[109] - The company's supply chain financing reached nearly 1 trillion yuan, with over 1,000 core enterprises and more than 10,000 chain enterprises, achieving a customer growth rate of over 100%[111] - The company's bond underwriting scale reached 235.499 billion yuan, a year-on-year increase of 88.44%, with an increment of 110.525 billion yuan, ranking first in the interbank market[112] - The company participated in the issuance of 17 out of 30 publicly offered REITs in the market, achieving full coverage of market-first REITs project investments[112] - The scale of the bank's financial market management business reached 3.72 trillion yuan, a year-on-year increase of 26.46%[113] - The transaction volume of bill business increased by 132% year-on-year, and the transaction volume of interbank loans increased by 54% year-on-year[113] - The scale of custody assets reached 1.61 trillion yuan, with a growth rate of 53.74%[114] - The number of interbank cooperation institutions exceeded 1,000, an increase of 23.19% compared to the beginning of the year[116] - The bank supported green, carbon neutrality, and rural revitalization with financial support of 9.021 billion yuan[117] - The underwriting volume of government bonds increased by 41% year-on-year, and the underwriting volume of policy financial bonds increased by 22% year-on-year[118] - The investment balance of green bonds increased by 85% compared to the beginning of the year[118] - The bank completed the reform of the custody architecture, achieving a business development model of "integrated collaboration, professional division, agile response, and efficient operation"[119] - The bank built a unified data base, a unified financial operating system, and a unified risk control platform, winning the first "three major battles" of digital transformation[121] - The bank launched the "new three major battles" of digital transformation, focusing on "big retail, big operations, and big technology"[122] - The company's AI-driven banking initiative has deployed over 2,000 customer engagement strategies, reaching over 370 million customers[127] - The company's technology finance loan balance reached 259.236 billion yuan, an increase of 64.466 billion yuan or 33.10% from the beginning of the year[129] - The company's green loan balance reached 156.047 billion yuan, an increase of 45.744 billion yuan or 41.47% from the beginning of the year[130] - The company's inclusive finance loan balance reached 231.516 billion yuan, an increase of 59.388 billion yuan or 34.5% from the beginning of the year[131] - The number of inclusive small and micro enterprise loan accounts reached 349,000, an increase of 49,700 or 16.6% from the beginning of the year[132] - The company has opened over 1.3 million personal pension fund accounts, ranking first in market share in Beijing[132] - The company has completed the inventory of over 140,000 entities and 3 million attributes, forming an enterprise-level data asset catalog[133] - The company has designed 141 dashboards and put 115 into production, accumulating over 2,000 data indicators[133] - The company has issued 26.61 million digital yuan in rewards to over 190 innovative small and medium-sized enterprises[133] - The company has established a digital currency innovation laboratory in Suzhou to strengthen research and application of digital currency scenarios[133] - The bank launched the "Jingying Plan" children's comprehensive financial service 3.0, issuing over 1.1 million "Xiaojing Cards" and serving 1.9 million child customers and families[135] - The bank's "Chuangying Loan" for entrepreneurship reached a balance of 13.2 billion yuan, and it issued 8,300 exclusive "Yingcai Cards" for talents[137] - The bank served nearly 13,000 "specialized, sophisticated, distinctive, and innovative" enterprises, with a loan balance exceeding 72.9 billion yuan, a

4月11日，北京银行发布年报称，2023年，该行实现营业收入667.11亿元，同比增长0.66%；实现归属于母公司股东的净利润256.24亿元，同比增长3.49%；实现基本每股收益1.06元，同比增长3.92%。 截至2023年末，北京银行资产总额3.75万亿元，较年初增长10.65%；负债总额3.42万亿元，较年初增长11.15%；吸收存款本金2.07万亿元，较年初增长8.18%；发放贷款及垫款本金总额2.02万亿元，较年初增长12.14%。 资产质量方面，截至2023年末，北京银行不良贷款率1.32%，较年初下降0.11个百分点，拨备覆盖率216.78%，较年初上升6.74个百分点。 （上交所） (编辑：钱晓睿) 关键字： ...

证券代码：601169 证券简称：北京银行 公告编号：2024-007 北京银行股份有限公司 与北京市国有资产经营有限责任公司关联交易事项 的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 重要内容提示： 一、关联交易概述 北京银行股份有限公司（以下简称"本行"）总行信用审批委员会 2024 年 3 月 4 日审议通过北京市国有资产经营有限责任公司（以下 简称"国资公司"）的集团限额方案，同意授予国资公司及下属企业集 团限额人民币 300 亿元，具体业务品种由总行信用审批委员会核定， 额度有效期 1 年,自股东大会审批通过之日起生效。 国资公司同时为本行国家金融监督管理总局和境内证券监督管 理机构（指中国证券监督管理委员会和上海证券交易所）定义的关联 方，与其进行的交易构成本行的关联交易。本行授予国资公司及下属 本行拟授予北京市国有资产经营有限责任公司及下属企业集 团限额人民币 300 亿元 本次交易构成关联交易 本次交易已经本行董事会二〇二四年第二次会议审议通过， 尚需提交股东大会审议，不需要经过有关部门批准 本 ...

北京银行股份有限公司 内部控制审计报告 0 87 E 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台（http://acc.mof.eov.cn）"进行查报 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台（http://acc.mof.gov.cn）"进行查询 。 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 +86 (10) 8518 5111 Fax Internet kpmg.com/cn 近外精览去会计师事务所 (特殊普通合伙) 中国北京 东长安街1号 东方广场毕马威大楼8层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 三、内部控制的固有局限性 内部控制审计报告 毕马威华振审字第 2405916 号 北京银行股份有限公司全体股东: 按照《企业内部控制审计指引》及中国注册会计师执业准 ...