一、核准周捷中国工商银行丽水分行副行长任职资格。 二、中国工商银行丽水分行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国 工商银行政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任 的，本批复文件失效，由丽水金融监管分局办理行政许可注销手续。 2025年11月7日，丽水金融监管分局发布批复称，中国工商银行丽水分行《中国工商银行浙江省分行关 于周捷同志任职资格审查的请示》（工银浙报〔2025〕128号）收悉。经审核，现批复如下： 三、中国工商银行丽水分行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固 树立风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 ...

Core Viewpoint - The "Belt and Road" initiative has positioned small and micro foreign trade enterprises as crucial players in connecting domestic and international dual circulation, yet they face challenges such as financing difficulties and long payment cycles due to fluctuating international conditions [1] Group 1: Financing Solutions - ICBC Qingdao Branch focuses on the characteristics of small and micro foreign trade enterprises, offering tailored financial solutions through "Cross-border Loans" to address their urgent financing needs [1][2] - The "Cross-border Loan" product is an online credit financing solution specifically designed for quality small and micro import-export enterprises, allowing for quick loan applications and approvals based on big data risk control [2][5] - A specific case highlighted a foreign trade company receiving a 3 million yuan "Cross-border Loan," which helped them resolve liquidity issues and stabilize their operations [2][5] Group 2: Support Services - The financial service plan includes not only the "Cross-border Loan" but also foreign exchange risk hedging tools, which help enterprises lock in exchange rates and reduce currency losses [5][7] - The integration of financing support with risk management services enhances the confidence of small and micro foreign trade enterprises, enabling them to expand their operations internationally [5][7] Group 3: Future Directions - ICBC Qingdao Branch plans to continue innovating inclusive financial products tailored to the short, small, frequent, and urgent financing needs of small and micro foreign trade enterprises [7] - The bank aims to deepen cooperation with government platforms and foreign trade associations to better identify and meet the needs of these enterprises, thereby supporting their global market expansion [7]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Qingdao Branch is actively implementing the central government's rural revitalization strategy by providing targeted financial support to rural industries through innovative financial products and collaborative efforts with government and enterprises [1][2]. Group 1: Financial Products and Innovations - ICBC Qingdao Branch has developed a digital inclusive financial product system, including "Breeding e-loan" and "Planting e-loan," to address the unique challenges of the agricultural sector, such as seasonality and lack of collateral [1]. - The bank utilizes big data risk control models and industry chain evaluation mechanisms to convert farmers' production data and agricultural enterprises' operational cash flow into financing currency, significantly increasing the proportion of credit loans [1]. Group 2: Support for Small and Micro Enterprises - The branch has established a coordination mechanism to support financing for small and micro enterprises and farmers, conducting initiatives like "Thousand Enterprises and Ten Thousand Households Visits" to tailor comprehensive financial service plans [2]. - The Qingdao Branch has launched a special column to showcase successful cases of inclusive finance and rural revitalization, providing a model for the entire bank's inclusive finance efforts [2]. Group 3: Case Studies of Financial Support - The Shinan Branch has successfully provided nearly 500 million yuan in loans to over 200 breeding households through the "Breeding e-loan" product, addressing the financing difficulties faced by farmers and promoting the integration and upgrading of the breeding industry [2]. - The Huangdao Branch customized a "Breeding e-loan" financing plan for a technology-based aquaculture company, approving 2.2 million yuan to help the company expand its capacity and ensure a stable supply of quality shrimp seedlings and high-end feed [5]. - The Pingdu Branch identified a seed company in need of financing for expansion and quickly provided a 500,000 yuan credit loan through the "Planting e-loan," supporting the construction of standardized seedling greenhouses [7]. Group 4: Overall Impact on Rural Revitalization - ICBC Qingdao Branch's inclusive finance initiatives are effectively supporting various sectors, enhancing agricultural productivity, and contributing to the coordinated development of urban and rural areas [9].

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has shown a significant stock price increase of 26.74% year-to-date, with a notable rise in recent trading days, indicating strong market performance and investor interest [2]. Group 1: Stock Performance - As of November 14, ICBC's stock price rose by 2.07% to 8.38 CNY per share, with a trading volume of 1.259 billion CNY and a turnover rate of 0.06%, resulting in a total market capitalization of 29,866.84 billion CNY [1]. - The stock has increased by 4.10% over the last five trading days, 9.97% over the last 20 days, and 8.97% over the last 60 days [2]. Group 2: Financial Performance - For the period from January to September 2025, ICBC reported a net profit attributable to shareholders of 269.908 billion CNY, reflecting a year-on-year growth of 0.33% [2]. - The company has cumulatively distributed dividends amounting to 15,252.88 billion CNY since its A-share listing, with 3,271.45 billion CNY distributed over the last three years [3]. Group 3: Shareholder Information - As of September 30, 2025, the number of ICBC shareholders reached 759,600, an increase of 12.74% from the previous period, while the average circulating shares per person decreased by 13.25% to 409,802 shares [2]. - The top ten circulating shareholders include China Securities Finance Corporation, holding 2.416 billion shares, and Hong Kong Central Clearing Limited, which reduced its holdings by 920 million shares [3].

Group 1 - The A-share banking sector experienced a collective increase, with major banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications all rising over 1% [1] - Among these banks, both Industrial and Commercial Bank of China and Agricultural Bank of China reached new highs during intraday trading [1]

Key Points - On November 11, Xiaomi Group-W (01810), Yingfu Fund (02800), and Pop Mart (09992) ranked the top three in net inflow of southbound funds, with net inflows of 1.176 billion, 860 million, and 577 million respectively [1] - Xpeng Motors-W (09868), Alibaba-W (09988), and Tencent Holdings (00700) ranked the top three in net outflow of southbound funds, with net outflows of -2.277 billion, -2.026 billion, and -464 million respectively [1] - In terms of net inflow ratio, Southern Hong Kong American Technology (03442), Wanwu Cloud (02602), and Southern East-West Select (03441) led the market with ratios of 104.46%, 79.46%, and 71.68% respectively [1] - In terms of net outflow ratio, Poly Property (06049), Huadian International Power (01071), and CIMC Group (02039) led the market with ratios of -56.53%, -52.40%, and -51.26% respectively [1] Top 10 Net Inflow Stocks - Xiaomi Group-W (01810) had a net inflow of 1.176 billion with a net inflow ratio of 17.99% and a closing price of 42.980 (+1.46%) [2] - Yingfu Fund (02800) had a net inflow of 860 million with a net inflow ratio of 5.58% and a closing price of 26.840 (+0.15%) [2] - Pop Mart (09992) had a net inflow of 577 million with a net inflow ratio of 23.31% and a closing price of 223.200 (+0.81%) [2] Top 10 Net Outflow Stocks - Xpeng Motors-W (09868) had a net outflow of -2.277 billion with a net outflow ratio of -25.24% and a closing price of 108.500 (+17.93%) [2] - Alibaba-W (09988) had a net outflow of -2.026 billion with a net outflow ratio of -17.36% and a closing price of 160.400 (-1.84%) [2] - Tencent Holdings (00700) had a net outflow of -464 million with a net outflow ratio of -5.47% and a closing price of 650.000 (+0.08%) [2] Top 10 Net Inflow Ratios - Southern Hong Kong American Technology (03442) had a net inflow ratio of 104.46% with a net inflow of 24.9565 million and a closing price of 9.405 (+0.53%) [3] - Wanwu Cloud (02602) had a net inflow ratio of 79.46% with a net inflow of 26.8071 million and a closing price of 23.380 (+1.12%) [3] - Southern East-West Select (03441) had a net inflow ratio of 71.68% with a net inflow of 18.7161 million and a closing price of 10.430 (+0.68%) [3] Top 10 Net Outflow Ratios - Poly Property (06049) had a net outflow ratio of -56.53% with a net outflow of -11.1643 million and a closing price of 35.500 (+1.43%) [3] - Huadian International Power (01071) had a net outflow ratio of -52.40% with a net outflow of -40.7926 million and a closing price of 4.640 (-0.22%) [3] - CIMC Group (02039) had a net outflow ratio of -51.26% with a net outflow of -27.2594 million and a closing price of 7.080 (-2.21%) [3]

Core Viewpoint - Gold prices have entered an upward trend, with spot gold prices exceeding $4200 per ounce and a year-to-date increase of over 60%, prompting banks to adjust their gold accumulation business rules to manage risks more prudently [1][3]. Group 1: Bank Adjustments - Citic Bank announced an increase in the minimum investment amount for its gold accumulation plan from 1000 yuan to 1500 yuan, effective November 15 [2]. - Industrial and Commercial Bank of China raised the minimum investment for its gold accumulation business from 850 yuan to 1000 yuan starting October 13 [2]. - Xingye Bank adjusted its minimum purchase amount for gold accumulation from 1000 yuan to 1200 yuan on October 21 [2]. - Construction Bank implemented a "large redemption" rule, where if total customer redemption requests exceed 20% of the bank's total gold accumulation balance, it may refuse excess redemption requests [2]. Group 2: Market Participation - Investors have shown strong interest in gold accumulation products due to the rising gold prices, with many inquiries focused on fees and the process for redeeming physical gold [4]. - A recent announcement from the Ministry of Finance and the State Administration of Taxation clarified tax policies on gold transactions, distinguishing between on-exchange and off-exchange transactions, which affects the cost of holding and trading gold [4]. Group 3: Investment Strategies - Experts suggest that investors should recognize the correlation between the recent rise in gold prices and the weakening of the US dollar, and should monitor dollar trends and related factors [5]. - Despite the long-term support for gold prices from safe-haven demand and central bank purchases, short-term volatility is expected due to crowded long positions in the market [5]. - Investors are advised to diversify their asset allocation to mitigate risks and avoid concentrating solely on the gold market [5].

■ 中国工商银行股份有限公司 关于境内优先股"工行优1"股息派发实施的公告 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。 （2）其他"工行优1"股东现金股息所得税的缴纳，根据相关规定执行。 若派息前相关税法规定变动，以最新规定为准。 三、境内优先股分红派息具体实施日期 重要内容提示： 一、通过境内优先股股息派发方案的董事会会议情况 中国工商银行股份有限公司（简称本行）2014年第二次临时股东大会审议通过了《关于中国工商银行股 份有限公司境内发行优先股股票方案的议案》，授权董事会办理境内优先股股息派发事宜。境内优先 股"工行优1"（优先股代码：360011）本次股息派发方案已经本行2025年10月30日召开的董事会会议审 议通过，董事会决议公告刊载于上海证券交易所网站（www.sse.com.cn）及本行网站（www.icbc- ltd.com）。 二、境内优先股股息派发方案 1.发放金额：按照"工行优1"票面股息率4.58%计算，每股发放现金股息人民币4.58元（含税），合计派 发人民币2,061,000, ...

生态协同精密，服务边界拓展。工行枣庄分行以"网点做网金、网金助网点"为核心，搭建线上线下服务 生态。借力网点运营改革契机，整合"手机银行+三微"服务矩阵，形成"到店客户引导用手机银行办理、 线上客户依托三微触达服务"的闭环链路。全流程覆盖客户引流、业务办理、售后维护，实现数字化服 务无死角，持续巩固手机银行的市场竞争力与品牌影响力。（张静 尚方舟） 机制赋能精细，执行效能提升。工行枣庄分行聚焦基层推广"最后一公里"痛点，着力构建多层次、高效 率保障机制。率先编制"双网行动"明白纸，将手机银行推广目标、操作路径、考核规则等内容拆解 为"一看就懂、一学就会"的图文指引，并同步配套"免卡免证"推广宣传折页，助力一线员工清晰传 递"无卡办业务"的便捷价值，推动业务推广工作标准化、高效化落地。 为深入贯彻总行打造"最好手机银行"战略部署，工行枣庄分行聚焦客户服务体验与数字化运营的深度融 合，通过场景深耕、机制提效、生态聚力等多维举措，推动个人手机银行实现高质量发展。截至2025年 9月末，实现手机银行存量155.3万户、增量7.07万户，存量增量连续三个季度蝉联四行"双第一"。 场景引流精准，福利触达人心。工行枣庄分行 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Zaozhuang Branch has achieved record highs in inclusive loan balances and increments, with a total inclusive loan balance of 5.809 billion yuan as of the end of Q3 2025, representing an increase of 1.285 billion yuan and a growth rate of 28.4%, surpassing the overall loan growth rate by 19.48 percentage points [1] Group 1: Strategic Development - The Zaozhuang Branch prioritizes inclusive finance as a key aspect of its political and social responsibilities, aligning with national goals and its own high-quality development [1] - The branch's leadership has elevated inclusive finance to a core strategic position, focusing on top-level design, clear development goals, and resource allocation to ensure effective support for small and micro enterprises [1] Group 2: Mechanism Innovation - The branch is enhancing its inclusive financial service system by implementing a "branch + inclusive" operational model, strengthening the team of inclusive finance specialists, and facilitating collaboration between customer managers and branches [2] - The implementation of the provincial inclusive finance expansion project "321" aims to customize outreach plans based on branch positioning and surrounding resources, improving service efficiency [2] Group 3: Product Development - The Zaozhuang Branch has diversified its inclusive credit products in response to market demand, providing 527 million yuan in "Science and Innovation Loans" to 78 technology enterprises and supporting 136 enterprises in industrial parks with 368 million yuan in "Park Loans" [3] - The branch has also innovated digital agricultural inclusive products, such as the "Pomegranate Loan," which has provided over 65 million yuan in credit to 59 small enterprises and farmers in the pomegranate industry [3] - Future plans include enhancing service quality, increasing loan disbursement, and maintaining risk management to further advance inclusive finance initiatives [3]