据中央纪委国家监委驻中国工商银行纪检监察组、甘肃省纪委监委消息：中国工商银行甘肃分行党委委 员、副行长吕红晓涉嫌严重违纪违法，主动投案，目前正接受中央纪委国家监委驻中国工商银行纪检监 察组纪律审查和甘肃省定西市监察委员会监察调查。 ...

中央纪委国家监委网站讯 据中央纪委国家监委驻中国工商银行纪检监察组、甘肃省纪委监委消息：中 国工商银行甘肃分行党委委员、副行长吕红晓涉嫌严重违纪违法，主动投案，目前正接受中央纪委国家 监委驻中国工商银行纪检监察组纪律审查和甘肃省定西市监察委员会监察调查。 （中央纪委国家监委驻中国工商银行纪检监察组、甘肃省纪委监委） 责任编辑：曹睿潼 中央纪委国家监委网站讯 据中央纪委国家监委驻中国工商银行纪检监察组、甘肃省纪委监委消息：中 国工商银行甘肃分行党委委员、副行长吕红晓涉嫌严重违纪违法，主动投案，目前正接受中央纪委国家 监委驻中国工商银行纪检监察组纪律审查和甘肃省定西市监察委员会监察调查。 （中央纪委国家监委驻中国工商银行纪检监察组、甘肃省纪委监委） 责任编辑：曹睿潼 ...

| 交易日期 | 证券简称 | 证券代码 | 成交价(元) 成交金额(万元) 成交量(*) 买入营业部 | | | | | 类出营业部 | 是否为专场 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 2025-12-12 | 工商银行 | 866 TOB | 7.97 | 1454.6 | 182.51 | 母壹漫画意露眼份 | 机构专用 | | Ka | | 2025-12-12 | 工商银行 | 601398 | 7.97 | 1023.35 | 128.4 | នគ្រឹទ្ធស្នាន់ | 机构专用 | | Ka | 12月12日，工商银行大宗交易成交310.91万股，成交额2477.95万元，占当日总成交额的0.6%，成交价 7.97元，较市场收盘价7.97元持平。 ...

（中央纪委国家监委驻中国工商银行纪检监察组、甘肃省纪委监委） 中央纪委国家监委网站讯 据中央纪委国家监委驻中国工商银行纪检监察组、甘肃省纪委监委消息：中 国工商银行甘肃分行党委委员、副行长吕红晓涉嫌严重违纪违法，主动投案，目前正接受中央纪委国家 监委驻中国工商银行纪检监察组纪律审查和甘肃省定西市监察委员会监察调查。 ...

Core Viewpoint - The announcement by Industrial and Commercial Bank of China (ICBC) regarding its 2025 interim profit distribution plan has been approved by the shareholders, indicating a commitment to returning value to shareholders through cash dividends [1] Summary by Categories Dividend Distribution - ICBC will distribute a cash dividend of RMB 0.1414 per share (including tax) for its A-shares [1] - The total cash dividend payout amounts to approximately RMB 503.96 billion, with about RMB 381.23 billion allocated for A-shares [1] Key Dates - The record date for the dividend is set for December 12, 2025 [1] - The ex-dividend date is December 15, 2025, which is also the date when the cash dividends will be distributed [1]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has reported a return to positive growth in both revenue and net profit, indicating a stabilization in its performance amidst industry-wide margin pressures [3][4][11]. Group 1: Performance Recovery and Non-Interest Income - In the first three quarters, ICBC achieved operating revenue of 640 billion yuan, a year-on-year increase of 2.2% [4][12]. - Net profit reached 269.9 billion yuan, up 0.3% year-on-year, marking a shift from negative growth in the first half of the year [4][12]. - For the third quarter alone, revenue was 212.9 billion yuan, growing by 3.41% year-on-year, while net profit attributable to shareholders was 101.8 billion yuan, up 3.29% [4][12]. Group 2: Non-Interest Income Highlights - Non-interest income for the first three quarters totaled 137.6 billion yuan, reflecting a 12.4% year-on-year increase [4][12]. - Net income from fees and commissions was 90.9 billion yuan, with a modest growth of 0.6% [4][12]. - Wealth management services showed significant growth, with corporate wealth management, personal wealth management, and pension business revenues increasing by 25%, 3%, and 43% respectively [4][12]. Group 3: Margin Pressure and Asset Quality - The net interest margin for the first three quarters was 1.28%, down 15 basis points year-on-year, with a quarterly margin of 1.24%, a decrease of 3 basis points from the previous quarter [5][13]. - ICBC's non-performing loan ratio stood at 1.33%, a slight decrease from the end of the previous year, while the provision coverage ratio improved to 217.21% [6][13]. - The bank's loan structure showed growth in corporate loans by 8.0%, retail loans by 1.6%, and a significant increase in bill discounting by 28.2% [6][13]. Group 4: Asset Scale and Future Strategy - As of the end of September, ICBC's total assets exceeded 52.81 trillion yuan, an 8.2% increase from the end of the previous year [7][14]. - The bank provided over 4 trillion yuan in incremental funding to the real economy in the first three quarters, with customer loan balances reaching 30.45 trillion yuan, up 7.3% [7][14]. - Management emphasized a pragmatic approach to future growth, focusing on optimizing the asset-liability structure and maintaining a balance between volume and price [7][14].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Anqing Branch is actively promoting inclusive finance by implementing the "Loan Clarity Paper" service, which aims to enhance transparency in the financing process for enterprises and effectively reduce financing costs for the real economy, receiving widespread praise from corporate clients [1][4]. Group 1: Service Implementation - ICBC Anqing Branch has introduced the "Loan Clarity Paper" to provide a clear breakdown of all fees associated with loans, including mortgage registration fees, guarantee fees, and insurance fees, ensuring that enterprises understand the total financing costs [4]. - The bank has tailored a 7 million yuan quick loan solution for a technology company specializing in electronic smart watches and health products, responding promptly to the company's urgent financing needs [3][4]. Group 2: Cost Reduction Initiatives - ICBC Anqing Branch not only secured a favorable loan interest rate for the enterprise but also took the initiative to cover several costs incurred during the loan process, such as mortgage registration fees and insurance fees, directly helping the company save thousands of yuan in financing costs [4]. - This proactive approach reflects the bank's commitment to customer-centric service and its determination to support the high-quality development of the real economy [4]. Group 3: Future Plans - The bank plans to continue optimizing its services and extend the benefits of the "Loan Clarity Paper" and other transparency initiatives to more market participants [4].

Core Viewpoint - The China Industrial and Commercial Bank (ICBC) Anqing Branch successfully organized a financial knowledge dissemination and connection event aimed at small and micro enterprises and individual business owners, addressing the common financing challenges they face [1][3]. Group 1: Event Overview - The event focused on addressing the "difficult and expensive financing" issues faced by small and micro economic entities, particularly enhancing understanding of comprehensive financing costs [3]. - ICBC Anqing Branch set up a professional promotional platform with experienced customer managers and inclusive finance specialists to provide face-to-face explanations and one-on-one Q&A sessions regarding bank loan products, interest rate structures, related fees, and repayment methods [3][4]. Group 2: Key Achievements - The event significantly improved merchants' understanding of the complex concept of "comprehensive financing costs," enabling them to evaluate costs more transparently during financing decisions [3]. - By providing professional information and personalized advice, the event helped merchants match suitable financing channels and products based on their operational conditions and funding needs, leading to better financing choices [3][4]. - The initiative also aimed to reduce financing costs and alleviate operational burdens for merchants by guiding them in planning financing paths and understanding policy benefits [4]. Group 3: Community Engagement - The event brought financial services closer to merchants by taking place in a bustling street market, demonstrating ICBC's commitment to serving the real economy and enhancing service accessibility [4]. - The successful implementation of this event reflects ICBC Anqing Branch's efforts to deepen inclusive financial services and optimize the regional business environment, with plans to continue similar initiatives in various community settings [4].

Core Viewpoint - The successful implementation of the "ICBC Global Payment" platform by ICBC Ningbo Branch for a well-known stationery manufacturing company marks a significant advancement in cross-border fund management, providing a more efficient and convenient solution for enterprises engaged in international business [1][3]. Group 1: Service Innovation - ICBC Ningbo Branch facilitated the first domestic direct payment to an overseas account for a local listed stationery manufacturer, streamlining the process of managing funds for overseas subsidiaries [1][3]. - The traditional method of managing overseas accounts involved complex procedures and high costs, which this new service effectively addresses [1][3]. Group 2: Features of the "ICBC Global Payment" Platform - The platform allows enterprises to directly operate their overseas accounts online, overcoming traditional cross-border payment limitations in terms of time and space [3]. - It offers comprehensive financial management services, including real-time fund monitoring and unified global fund collection and payment, enhancing the visibility and control of global funds [3][4]. Group 3: Client Feedback and Future Plans - The enterprise representative praised the innovative payment solution for significantly improving remittance efficiency and reducing operational costs, highlighting the support from state-owned banks in facilitating international expansion [4]. - ICBC Ningbo Branch plans to continue leveraging its global network and digital financial advantages to enhance service offerings and optimize business processes for local enterprises engaged in cross-border operations [4].

Consolidation and Restructuring of Small and Medium Banks - The pace of mergers and restructuring among small and medium banks has accelerated, with over 300 banks completing mergers or dissolutions by December 8, 2025, including more than 100 village banks in the first three quarters [1] - Large commercial banks are increasingly involved in the "village-to-branch" transformation, with notable examples including the Industrial and Commercial Bank of China and Agricultural Bank of China acquiring village banks and converting them into branches [1][2] - The number of village banks is projected to decrease significantly, with 99 banks expected to close in 2024, accounting for nearly 50% of the total reduction in banking institutions [1] Rural Financial Institutions and Reforms - As of June 2025, the number of rural commercial banks in China was 1,505, a decrease of 58 from the previous year, while village banks saw a reduction of 98, indicating a trend towards consolidation [3] - The reform of rural financial institutions is gaining momentum, with several provinces establishing provincial-level rural commercial banks or cooperative banks, enhancing the integration of small banks into larger entities [2][3] Support for Agricultural Financing - The primary responsibility of rural small and medium banks is to support agriculture and small enterprises, with recent regulatory measures aimed at enhancing their role in rural financial services [4] - By the end of 2024, rural cooperative financial institutions are expected to have a total agricultural loan balance of 13.11 trillion yuan, serving nearly 44.94 million households [4] Risk Management and Governance - The Chinese government emphasizes the importance of risk management in the financial sector, particularly for small and medium banks, to prevent systemic risks [7][8] - Regulatory bodies are focusing on improving corporate governance within small banks, which is seen as crucial for achieving high-quality development and sustainability [8]