Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Qinzhou Branch is actively addressing the needs of the aging population by enhancing its pension financial services, achieving significant growth in sales and customer satisfaction [1][2][3] Group 1: Pension Financial Services - As of the end of October, the sales of pension-themed financial products exceeded 52 million yuan, representing nearly a fourfold increase compared to the same period last year [1] - The bank focuses on the core demands of safety and long-term stable growth for pension funds, providing tailored financial planning and investment strategies for retirees and conservative investors [1] Group 2: Service Upgrades - The bank has optimized its services for the elderly by ensuring 100% coverage of age-friendly facilities at all branches, including magnifying glasses, wheelchairs, and accessible pathways [2] - Personalized one-on-one guidance is provided for elderly customers facing challenges with forms and technology, along with home service for those with mobility issues [2] Group 3: Security Measures - The bank has established a safety net by conducting community outreach to educate the elderly on preventing telecom fraud and illegal fundraising, significantly enhancing their risk awareness [2] - The bank collaborates with local communities to organize activities for the elderly, reinforcing its commitment to financial safety and support [2] Group 4: Future Plans - The ICBC Qinzhou Branch aims to continue enriching its pension financial product offerings and optimizing service models to enhance financial security for the elderly [3] - The bank is committed to serving the elderly with professionalism and warmth, contributing to the creation of an age-friendly society [3]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Liuzhou Branch has successfully implemented a reverse invoicing "Recycling Cloud" business for metal recycling, addressing compliance issues in the waste material recovery industry and significantly enhancing operational efficiency [1][2]. Group 1: Industry Development - The resource recycling industry is rapidly developing, with companies facing tax compliance challenges when purchasing waste materials from individuals who cannot provide VAT invoices [1]. - The State Administration of Taxation has announced a policy allowing resource recovery enterprises to issue reverse invoices, alleviating the tax burden caused by the inability to obtain initial invoices [1]. Group 2: Business Process Improvement - The reverse invoicing model requires recovery enterprises to pay for goods upfront, upload invoices to the tax system, and manually issue VAT invoices, resulting in a cumbersome process [1]. - ICBC has integrated the entire reverse invoicing process into the "Recycling Cloud" app, providing features such as invoice issuance, tax prepayment, and tax collection, creating a streamlined operation [2]. Group 3: Operational Efficiency - The new system allows enterprises to complete the entire financial process online with a single operation, significantly improving operational efficiency and reducing costs [2]. - Since its launch in September, ICBC has successfully implemented three "Recycling Cloud" projects and issued approximately 12,000 yuan in special invoices [2]. Group 4: Future Plans - ICBC Liuzhou Branch plans to deepen scenario exploration and extend digital financial services to enhance service quality and contribute to the high-quality development of the green circular economy in Liuzhou [2].

Core Viewpoint - China Industrial and Commercial Bank (ICBC) Hezhou Branch is focusing on supporting the real economy, promoting industrial upgrades, developing inclusive finance, and driving green transformation to inject strong momentum into Hezhou's economic development during the critical phase of the "14th Five-Year Plan" [1][2][3] Group 1: Support for Real Economy - ICBC Hezhou Branch prioritizes financial services for the real economy, specifically targeting key industries such as manufacturing, strategic emerging industries, and technological innovation, with a manufacturing loan balance reaching 2.312 billion yuan, an increase of 81.9% year-on-year [1] - The bank has provided 155 million yuan in loans for major infrastructure projects in transportation, energy, and water conservancy, effectively supporting regional economic stability [1] Group 2: Focus on Industrial Upgrades - The bank is enhancing its financial services for local特色优势产业 (characteristic advantageous industries) such as calcium carbonate, gold jewelry, and ecological health, with loans in these sectors exceeding 546 million yuan [2] - The opening of the designated warehouse for the Shanghai Gold Exchange on October 21 has addressed raw material delivery issues for local gold jewelry enterprises, significantly improving capital turnover efficiency [2] Group 3: Commitment to Inclusive Finance - ICBC Hezhou Branch views the development of inclusive finance as a key path to serve the public and promote common prosperity, with inclusive small and micro enterprise loans reaching 1.527 billion yuan and a 24.87% increase in customer numbers since the beginning of the year [2] - The bank is focusing on supporting high-standard farmland construction, specialty planting and breeding, and agricultural product processing, with agricultural loans steadily increasing to 2.05 billion yuan [2] Group 4: Development of Green Finance - The bank is actively developing green finance by optimizing green credit policies and prioritizing support for energy-saving, environmental protection, and ecological governance projects, with a total green loan balance of 2.886 billion yuan by the end of October [3] - ICBC Hezhou Branch is exploring pathways for realizing ecological value to protect local natural resources and convert ecological advantages into developmental benefits [3]

转自：新华财经 工行北海分行深入践行绿色发展理念，积极响应国家"双碳"目标和服务生态文明建设部署，将写好"绿 色金融大文章"作为核心使命。立足北海生态禀赋与产业特色，积极探索金融支持绿色转型的创新模式 与路径，持续提升绿色金融服务质效，全力赋能地方经济高质量发展与生态环境高水平保护。截至2025 年10月末，工行北海分行绿色贷款余额超20亿元，较年初净增超3亿元，绿色金融实践取得了积极进 展。 战略引领，凝聚发展共识。工行北海分行高度重视绿色金融发展，将其置于全行战略核心位置。成立专 项工作推进小组，强化规划设计与统筹协调，确保行内绿色金融政策与地方发展需求精准对接、高效落 地。对标工行总行相关行业投融资政策导向，分行明确将绿色贷款增长作为服务实体经济和履行社会责 任的重要体现，压实主体责任，全力保障绿色金融发展目标达成。同时，优化资源配置与考核激励机 制，将绿色金融服务成效纳入分行核心考核体系，引导信贷资源优先、精准投放至生态保护、清洁能 源、节能环保等重点领域，凝聚全行服务绿色发展的强大合力。 普惠延伸，激发产业活力。工行北海分行积极践行普惠金融理念，将绿色金融服务延伸至小微企业和特 色产业。截至2025 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Baise Branch is actively implementing the national strategy to support high-quality development in the manufacturing sector, focusing on regional characteristic industries and optimizing financial services [1][2] Group 1: Financial Performance - As of October 31, 2025, the manufacturing loan balance of ICBC Baise Branch reached 4.496 billion yuan, an increase of 2.264 billion yuan from the beginning of the year, representing a growth rate of 101.43% [1] Group 2: Support for Key Enterprises - The bank is enhancing strategic cooperation with key enterprises in the aluminum industry, such as Guangxi Huayin Aluminum and Guangxi Xinfeng Aluminum, by forming dedicated teams to assist with annual planning and financing needs [1] - The bank has provided over 4 billion yuan in efficient discounts for key clients in the aluminum industry this year, significantly optimizing cash flow and funding costs [1] Group 3: Expansion of Client Base - The bank aims to expand its client base among medium-sized manufacturing enterprises by collaborating with local departments to identify potential enterprises and industrial projects [2] - A "grid-based" approach is being employed to visit and engage with potential clients, establishing initial loan relationships and dynamically matching financing solutions as enterprises grow [2] Group 4: Support for Small and Micro Enterprises - The bank is addressing financing challenges for small and micro enterprises in the region, particularly those in aluminum processing and new aluminum-based materials, by offering tailored products like "Industrial e-loan" and "Innovation e-loan" [2] - Innovative collateral solutions are being explored, such as using warehouse receipts and equipment as guarantees, to overcome traditional mortgage barriers [2] Group 5: Future Outlook - ICBC Baise Branch plans to deepen its financial service mechanisms throughout the entire lifecycle of enterprises, continuously exploring innovative products and service models to support the transformation and upgrading of regional manufacturing and the high-quality development of the real economy [2]

Core Insights - ICBC is strategically expanding its gold storage business in response to market opportunities, having established two designated warehouses since 2025 after a period of no new additions since 2019 [2][3] - The bank plans to open a gold warehouse at Hong Kong International Airport, with preparations expected to be completed in the coming months [4][5] Group 1: Domestic Developments - ICBC has established a designated gold warehouse in Sanya, as announced on November 17, 2025, to enhance its gold storage services [2] - The bank's Hezhou branch has become the first certified professional storage institution in Hezhou, adhering to national standards and enabling same-day delivery, which is expected to save local businesses over 10 million yuan annually [3] Group 2: Hong Kong Market Initiatives - ICBC is looking to tap into the Hong Kong market by setting up a gold warehouse at the airport, aligning with the Hong Kong government's initiative to establish an international gold trading market [4][5] - The Hong Kong government has outlined a strategic plan to build a regional gold reserve hub, aiming to exceed 2,000 tons of storage capacity within three years [5][7]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is strategically expanding its gold storage business in response to market opportunities, with recent developments including the establishment of designated warehouses in Sanya and Hezhou, and plans for a warehouse at Hong Kong International Airport [1][2][3]. Group 1: Domestic Developments - ICBC has not added any designated gold warehouses in mainland China since 2019, but has opened two new warehouses since 2025 [1]. - The Hezhou branch of ICBC has become the first certified professional storage institution in Hezhou and the second in Guangxi, aiming to enhance local gold enterprise efficiency and reduce costs by over 10 million yuan annually [2]. - The gold storage services provided by ICBC are designed to facilitate immediate delivery and storage for members of the Shanghai Gold Exchange, addressing local challenges in gold delivery [2]. Group 2: Hong Kong Market Expansion - ICBC is planning to establish a gold warehouse at Hong Kong International Airport, with preparations expected to be completed in the coming months [3]. - The Hong Kong government is actively working on establishing an international gold trading market, with a target of building a regional gold reserve hub that can store over 2,000 tons of gold [3][6]. - The Hong Kong Monetary Authority is collaborating with the Shanghai Gold Exchange to create a central clearing system for gold transactions, enhancing the efficiency and reliability of international gold trading [4][6].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Qinzhou Branch is actively supporting the stable and healthy development of the real estate market in response to national calls, focusing on financial support, customer service optimization, and ensuring people's livelihoods [1][2]. Group 1: Financial Support - As of October 2025, the bank's real estate development loans have steadily increased, with personal housing loan balances exceeding 5.7 billion, showing a good year-on-year growth trend [1]. - The bank is committed to implementing national financial policies, optimizing real estate financial services, and ensuring effective policy transmission and implementation [1]. - The bank is focused on meeting reasonable financing needs in the real estate sector, particularly supporting stable and well-managed real estate companies and their quality projects [1]. Group 2: Social Responsibility and Customer Service - The bank prioritizes "ensuring project delivery and stabilizing people's livelihoods," actively designing financing plans for key projects and ensuring the safety of construction funds [2]. - The bank strictly adheres to pre-sale fund supervision requirements, ensuring funds are managed in dedicated accounts for specific uses, thereby protecting the rights of homebuyers [2]. - The bank is committed to maintaining customer rights, providing clear service measures, and facilitating communication to alleviate customer concerns during market fluctuations [2]. Group 3: Future Commitment - The ICBC Qinzhou Branch will continue to uphold its commitment to serving the public, leveraging financial power to promote the stable and healthy development of the local real estate market and the realization of housing dreams for the people [3].

积极响应，快速投放流动资金，支持企业日常经营资金需求只是工商银行柳州分行践行金融服务实体经 济使命的缩影。一直以来，工商银行柳州分行坚守服务实体经济本源，立足区域经济发展战略，以实体 经济发展所需为出发点，发挥金融所能、工行所长，统筹信贷布局和投放，加大金融产品和服务供给， 有力地支持了地方经济高质量发展，截至10月末，该行公司贷款余额达452.69亿元，比年初增加25.11亿 元，以扎扎实实的数据展现金融担当。（陈衍豪 潘迎莹） 转自：新华财经 编辑：赵鼎 近日，工商银行柳州分行在日常客户维护中了解到某企业有优化融资结构的需求，该行第一时间组建柔 性服务团队，主动上门对接客户，根据企业经营实际，为其量身定制专属的利率优惠融资方案，此次总 共发放1.5亿元流动资金贷款，专项用于企业货款支付，并提供优惠利率；同时向客户提供贷款明白纸 及详细清单，透明融资成本，让客户清晰了解融资费用明细构成，真正"贷"得明明白白。 该企业主营工程机械等产品研发制造，拥有30余条整机产品线，产品远销180多个国家和地区，是拉动 当地经济增长、创造就业的重要力量。为支持企业稳健经营发展和产业链稳定，工商银行柳州分行持续 深化企业服务 ...

Core Viewpoint - China UnionPay and Industrial and Commercial Bank of China have launched multi-currency debit and credit cards in Turkey, enhancing global payment options and supporting bilateral trade and the internationalization of the Renminbi [1][2] Group 1: Partnership and Product Launch - The collaboration marks the first issuance of UnionPay multi-currency cards in Turkey, providing local residents with secure and efficient payment solutions [1] - The cards support multiple currencies including Renminbi, Turkish Lira, British Pound, US Dollar, and Euro, facilitating transactions for cardholders globally [2] Group 2: Strategic Importance - The launch is seen as a significant milestone in UnionPay's international business development and its efforts to deepen localization in the Middle East [1] - The initiative aligns with China's high-level opening-up strategy and aims to enhance cross-border financial connectivity [2] Group 3: Future Plans - UnionPay plans to leverage its extensive global acceptance network and product innovation capabilities to offer more inclusive financial payment solutions [1] - The company aims to continue strengthening partnerships with local entities to improve cross-border payment services and support initiatives like the Belt and Road and Turkey's "Middle Corridor" [2]