证券代码：601398 证券简称：工商银行 公告编号：临 2025-038 号 中国工商银行股份有限公司 关于召开 2025 年第三季度业绩说明会的公告 中国工商银行股份有限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法 律责任。 重要内容提示： 【中文线路】中国内地：+86-4001510269，中国香港：+852-51089680 全球：+86-1021377168 参会密码：601398 【英文线路】中国内地：+86-4001510269，中国香港：+852-51089680 全球：+86-1021377168 参会密码：001398 ● 投资者可于 2025 年 10 月 28 日（星期二）17:00 前将相关问题通过电子 邮件的形式发送至本行邮箱：QA@icbc.com.cn，或在会议召开时提问。 中国工商银行股份有限公司（简称本行）拟于 2025 年 10 月 30 日披露 2025 年第三季度业绩。为了便于广大投资者全面深入地了解本行 2025 年第三季度业 绩和经营情况，本行拟于 2025 年 10 月 30 日召开业绩 ...

格隆汇10月23日｜工商银行：2025年10月30日(星期四)17:00-18:00召开2025年第三季度业绩说明会。 ...

工商银行公告称，公司拟于2025年10月30日披露2025年第三季度业绩，并于同日17:00-18:00以电话会议 形式召开业绩说明会。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性或完整性亦不發表 任何聲明，並明確表示，概不就因本公告全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任 何責任。 （於中華人民共和國註冊成立的股份有限公司） 股份代號：1398 關於召開 2025 年第三季度業績說明會的公告 重要內容提示： 中國工商銀行股份有限公司（「本行」）擬於2025年10月30日披露2025年第三季度業績。 為了便於廣大投資者全面深入地了解本行2025年第三季度業績和經營情況，本行擬於 2025年10月30日召開業績說明會。 一、業績說明會類型 本次業績說明會將通過電話會議的方式召開。 1 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED 董事會秘書、高級業務總監田楓林先生，相關業務部門負責人。 四、投資者參加方式 五、聯繫人及諮詢方式 本行投資者關係管理團隊 • 會議召開時間：2025年10月30日（星期四）17:00-18:00 • 會議召開方式：電話會議 • 會議接入方式： 【中文線路】 中國內地：+86-4001 ...

Core Viewpoint - The banking sector is actively implementing regulatory measures for pre-collected funds in elderly care institutions, with several banks establishing platforms to enhance oversight and ensure the safety of funds for the elderly [1][2][3]. Group 1: Regulatory Developments - The Ministry of Civil Affairs and seven other departments issued guidelines to strengthen the regulation of pre-collected funds in elderly care institutions, prompting banks to respond quickly and develop necessary systems [1][3]. - As of September, Industrial Bank has obtained regulatory qualifications in multiple regions, including Shanghai and Guangdong, to manage pre-collected funds [1]. Group 2: Banking Initiatives - Banks like Everbright Bank and Industrial Bank have developed platforms for managing pre-collected funds, enhancing efficiency and risk management in the elderly care sector [1][2]. - Everbright Bank has successfully secured regulatory qualifications in over 20 provinces and cities, establishing cooperative models with local civil affairs departments [2]. Group 3: Market Potential - The pre-collected funds regulatory business is in its early stages but is seen as a valuable opportunity for banks to penetrate the elderly care industry and access low-cost funding [3][4]. - Major commercial banks are exploring various strategies to collaborate with elderly care institutions, leveraging their digital capabilities to optimize service delivery [3]. Group 4: Operational Considerations - Banks must obtain the necessary qualifications and comply with regulatory requirements to engage in this business effectively [4]. - Establishing a robust internal control system and optimizing business processes are crucial for enhancing risk management and service efficiency in the pre-collected funds regulatory business [4].

Core Viewpoint - The credit card business of commercial banks is undergoing a period of stock competition and transformation adjustments, with several banks, including Everbright Bank and Industrial and Commercial Bank of China, making significant changes to their installment services, which has attracted widespread market attention [1][6]. Summary by Sections Business Adjustments - Everbright Bank announced it will discontinue its self-selected installment service starting December 9, 2025, affecting all new transactions, while existing installment agreements will remain unaffected [3][4]. - Industrial and Commercial Bank of China will adjust the installment periods for its credit card bill installment and consumption transfer installment services, eliminating options for 36 months or longer, effective December 5, 2025 [4][5]. - Longjiang Bank previously stopped its credit card free installment service on June 16, 2023, to optimize product structure and improve service quality [5]. Risk Management and Regulatory Response - Analysts suggest that these adjustments aim to optimize risk structures and enhance business standardization, responding to regulatory guidance on consumer debt levels [6][8]. - The changes reflect a shift from a focus on the scale of installment services to an emphasis on asset quality and service substance, promoting a more compliant and prudent development direction for the consumer finance industry [6][8]. Consumer Behavior and Market Dynamics - The reduction in installment options may lead consumers to more carefully evaluate their financial situations before making purchases, potentially fostering a more rational consumption habit [7][8]. - The adjustments are expected to create a ripple effect across the industry, with more institutions likely to follow suit in response to the need for risk control and compliance [8][9]. - The credit card installment market may see a shift from long-term, high-risk models to a more reasonable overall term structure, with competition focusing on risk management, user experience, and service capabilities [8][9].

Core Insights - The 15th National Games is leveraging financial services to enhance various aspects of the event, including the introduction of a digital RMB hard wallet themed around the event's mascots [1][2] - The event marks the first large-scale sports event jointly hosted by Guangdong, Hong Kong, and Macau, raising the bar for cross-border payment solutions [2] Group 1: Digital RMB Initiatives - A digital RMB hard wallet keychain themed on the mascots "Xi Yang Yang" and "Le Rong Rong" will be launched, allowing for convenient payments and interactive AR experiences [1] - The digital RMB aims to facilitate easier transactions for both domestic and foreign participants, with foreign visitors able to apply for the wallet using cash and passports [1] Group 2: Financial Products and Services - During the National Games, the Industrial and Commercial Bank of China (ICBC) will offer themed credit and debit cards, precious metal products, and digital collectibles, along with region-specific financial products [1] - ICBC will also provide a one-stop service for ticket purchasing, enhancing the overall experience for attendees [1] Group 3: Financing and Support for Small Enterprises - ICBC plans to establish a special credit line to support small and micro enterprises involved in the event, along with consumer subsidies to promote local attractions and businesses [2] - The bank's "Cross-Border Payment Pass" service allows for instant remittances between Hong Kong and mainland users via mobile banking, addressing traditional cross-border payment challenges [2]

Core Viewpoint - Recent increases in gold prices have led multiple domestic banks in China to raise the minimum investment thresholds for gold accumulation products, reflecting a shift in market dynamics and risk management strategies [1][3]. Group 1: Changes in Investment Thresholds - Several banks, including Bank of China, Industrial and Commercial Bank of China, Ping An Bank, and Industrial Bank, have raised the minimum investment amounts for gold accumulation products to between 950 yuan and 1200 yuan, an increase of 300 yuan to 550 yuan compared to the beginning of the year [1]. - Ping An Bank increased its regular investment plan minimum from 900 yuan to 1100 yuan starting October 24, while Industrial Bank raised its single purchase and new regular investment minimum from 1000 yuan to 1200 yuan on October 21, making it one of the banks with the highest threshold [1]. - Bank of China adjusted its minimum purchase amount from 850 yuan to 950 yuan on October 15, marking the fourth adjustment this year, having previously raised it from 650 yuan to 850 yuan in February and April [1]. - Industrial and Commercial Bank of China raised its "Ruyi Gold Accumulation" minimum investment from 850 yuan to 1000 yuan on October 13, stating that existing plans would not be affected unless they were automatically renewed [1]. - Ningbo Bank announced an increase in the minimum investment for gold accumulation from 900 yuan to 1000 yuan effective October 11, with applications below this amount being rejected [1]. Group 2: Market Analysis and Outlook - The gold accumulation business has gained popularity among small and medium investors due to its support for physical redemption, low investment thresholds, and flexible operations [3]. - Analysts suggest that the increase in investment thresholds by banks is aimed at controlling customer structure and mitigating potential complaints and disputes arising from significant fluctuations in gold prices [3]. - Despite the increased thresholds, some institutions remain optimistic about the long-term value of gold investments, with CITIC Securities noting that while short-term price increases may be driven by risk aversion, gold retains strong anti-inflation and asset preservation characteristics in the medium to long term [3]. - This year, gold prices have risen over 40%, with major commercial banks having previously adjusted their "gold purchase points" twice, first in February and again in April [3].

Core Insights - The event held on October 21 aimed to enhance the high-quality development of the gold and jewelry industry in Guangxi through collaboration among government, banks, and enterprises [1] - The establishment of the designated warehouse by the Industrial and Commercial Bank of China (ICBC) in Hezhou marks a significant milestone for the local gold and jewelry industry, enabling efficient operations and addressing long-standing logistical challenges [2] Group 1: Infrastructure Development - The newly inaugurated warehouse is the first certified by the Shanghai Gold Exchange in Hezhou, adhering to national Class A warehouse standards, allowing for same-day storage and delivery of gold [1] - This infrastructure is expected to eliminate key obstacles for the scale and intensive development of the local gold industry, facilitating the aggregation of upstream and downstream enterprises [1][2] Group 2: Economic Impact - Hezhou has leveraged its geographical and resource advantages to attract industry transfer from the Greater Bay Area, focusing on the growth of the gold and jewelry sector as part of its "7+N" industrial chain strategy [2] - The establishment of the designated warehouse is anticipated to lower transportation costs and risks, enhancing the overall logistics and trading capabilities of the gold and jewelry industry in Hezhou [2] Group 3: Financial Collaboration - During the event, ICBC Hezhou Branch signed a strategic cooperation agreement with the Pinggui District Government to provide comprehensive financial services to local enterprises, including financing and leasing [3] - The first gold delivery transaction was successfully completed, showcasing the effectiveness and security of financial services for the real economy, setting a benchmark for future bank-enterprise collaborations [3] - The event attracted 30 gold enterprise representatives and 10 financial institutions, with preliminary cooperation intentions leading to expected financing exceeding 20 million yuan [3]

Core Viewpoint - The recent upward trend in Chinese bank stocks continues, with notable increases in share prices for several major banks [1] Group 1: Stock Performance - Postal Savings Bank of China (01658.HK) increased by 3.3%, reaching HKD 5.63 [1] - Agricultural Bank of China (01288.HK) rose by 2.05%, now priced at HKD 5.97 [1] - Industrial and Commercial Bank of China (01398.HK) saw a gain of 1.34%, trading at HKD 6.04 [1] - Bank of China (03988.HK) experienced a 1.15% increase, with shares at HKD 4.41 [1]