Group 1: Banking Sector - Industrial and Commercial Bank of China announced the suspension of certain gold accumulation services starting November 3, 2025, due to macroeconomic policy impacts and risk management requirements [1] Group 2: Gold Market Tax Policy - The Ministry of Finance and the State Taxation Administration clarified tax policies regarding gold, exempting value-added tax (VAT) on standard gold transactions through designated exchanges until the end of 2027 [3] - The policy aims to enhance the competitiveness and pricing power of China's gold market, supporting the construction of Shanghai as an international financial center [3] Group 3: Gold Price Trends - Following the announcement of the new tax policy, many investment gold bars saw price increases, with some brands raising prices significantly on the same day [3][4] - Prices for investment gold bars surged, with reports of prices exceeding 1000 yuan per gram shortly after the policy announcement [4][6] Group 4: Jewelry Retail Sector - Zhou Dasheng reported a net closure of 560 stores, with a significant drop in revenue, indicating challenges in the jewelry retail market despite rising gold prices [10] - The company's revenue for Q3 2025 was 21.8 billion yuan, a 16.7% year-on-year decline, while net profit increased by 13.6% to 2.88 billion yuan [10][11] - The overall market environment has led to a decline in the willingness of franchisees to replenish inventory, impacting sales [11]

11月3日，工商银行发布公告："受宏观政策影响，根据我行风险管理要求，自2025年11月3日起，我行 暂停受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有 效期内的定期积存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关注我行后续公 告。" （文章来源：中国经营报） ...

Core Points - The Industrial and Commercial Bank of China (ICBC) announced the suspension of its "Ruyi Jin Jicun" business starting from November 3, 2025, due to macroeconomic policy impacts and risk management requirements [2] - The suspension includes the cessation of new account openings, active deposits, new fixed deposit plans, and requests for physical withdrawals [2] - Existing customers with valid fixed deposit plans will not be affected in terms of execution, redemption, or account closure [2] Summary by Categories - **Business Suspension Details** - ICBC will halt the acceptance of new accounts and deposits for the "Ruyi Jin Jicun" service from November 3, 2025 [2] - The suspension also applies to new fixed deposit plans and requests for physical withdrawals [2] - **Impact on Existing Customers** - Current customers with active fixed deposit plans will continue to have their plans executed without interruption [2] - Redemption and account closure processes for existing customers remain unaffected [2] - **Future Announcements** - ICBC will provide updates regarding the resumption of related services in future announcements [2]

每经Al快讯 11月3日,工商银行发布公告, 受宏观政策影响,根据我行风险管理要求,自 2025年11月3日起,我行暂停受理如意金积存业务 的开户、主动积存、新增定期积存计划以及提取 实物的申请,存量客户处于有效期内的定期积存 计划的执行以及办理赎回、销户不受影响。相关 业务恢复事宜,请关注后续公告。 每日经济新闻 - 专业 深度 故事 传播 #工行暂停受理部分如意金积存业务#【工商银行：暂停受理部分如意金积存业务申请】11月3日，工商 银行发布公告，受宏观政策影响，根据我行风险管理要求，自2025年11月3日起，我行暂停受理如意金 积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积 存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关注后续公告。（每日经济新闻， 希隆） 電经F 5000+上市公司 2025.11.03 10:12 讯 工商银行:暂停受理部分如 意金积存业务申请 本文内容仅供参考,不构成投资建议 据此操作,风险自担 ...

在资产质量方面，今年前三季度，工行不良率1.33%，较上年末下降0.01个百分点。拨备覆盖率 217.21%，较上年末上升2.30个百分点。 前三季度，工商银行贷款投放、债券投资"两投"增加超4万亿元，增量再创新高，为实体经济持续注入 金融"活水"。工行加力支持"两重""两新"等重点领域，制造业、战略性新兴产业、绿色、普惠、民营和 涉农贷款增速均高于各项贷款平均增速。 10月30日，中国工商银行（601398）公布了2025年前三季度经营业绩报告。报告显示，报告期内，该行 总资产52.81万亿元，较上年末增长8.18%。全行营业收入、净利润实现"双正增长"，其中，实现营业收 入6109.68亿元，同比增长1.98%；实现净利润2718.82亿元，同比增长0.52%。 ...

三、中国工商银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。 二、中国工商银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，由决定机关办理行政许可注销手续。 2025年10月27日，陕西金融监管局发布批复称，《中国工商银行陕西省分行关于王英军中国工商银行西 安分行副行长任职资格核准的请示》（工银陕报〔2025〕186号）及相关说明解释材料收悉。经审核， 现批复如下： 一、核准王英军中国工商银行西安分行副行长的任职资格。 ...

Group 1 - Hong Kong banking stocks showed a rebound today, with notable increases in share prices [1] - Huishang Bank (03698.HK) rose by 4.49%, reaching HKD 3.49 [1] - China Construction Bank (00939.HK) increased by 2.99%, trading at HKD 7.93 [1] - Bank of China (03988.HK) saw a rise of 2.27%, priced at HKD 4.5 [1] - Industrial and Commercial Bank of China (01398.HK) gained 1.99%, with shares at HKD 6.14 [1]

Core Viewpoint - Hong Kong banking stocks experienced a collective rise, with significant gains observed in several major banks, indicating a positive market sentiment towards the banking sector [1] Group 1: Stock Performance - Huishang Bank increased by 4.5%, while China Construction Bank rose over 3%. Other banks such as Industrial and Commercial Bank of China, Bank of China, and CITIC Bank saw increases of over 2% [1] - The latest stock prices and percentage changes for various banks are as follows: - Huishang Bank: 3.490, +4.49% - China Construction Bank: 7.940, +3.12% - Industrial and Commercial Bank of China: 6.160, +2.33% - Bank of China: 4.500, +2.27% - Agricultural Bank of China: 6.050, +2.20% - CITIC Bank: 7.360, +2.17% [2] Group 2: Financial Performance Insights - According to a report from Xiangcai Securities, the third-quarter reports of listed banks for 2025 showed relatively stable revenue and an increase in net profit growth [1] - All types of banks reported an increase in net interest income growth compared to the mid-term, with a marginal stabilization in interest margins, indicating a solid foundation for core business revenue growth [1] - Overall, the performance of banks in the third-quarter reports met expectations, suggesting a favorable outlook for the sector [1] Group 3: Investment Recommendations - The report suggests that with a rebalancing of market investment styles, banking stocks are attracting allocation funds due to their stable high dividends. The recommendation is to focus on the absolute return investment value of bank stocks [1] - Specific recommendations include state-owned banks like Industrial and Commercial Bank of China and Bank of China for their stable high dividend value, as well as opportunities for valuation recovery in joint-stock and regional banks such as CITIC Bank, Jiangsu Bank, Chengdu Bank, and others [1] - The industry maintains an "overweight" rating, indicating a positive investment outlook [1]

Core Viewpoint - The article emphasizes the importance of selecting suitable wealth management products, particularly "fixed income+" products, from various banks, highlighting the performance of these products over different time frames to aid investors in making informed decisions [1][2]. Summary by Category Product Performance - The article presents a performance ranking of wealth management products based on their annualized returns over the past month, three months, and six months, with a focus on the three-month annualized yield for recent market fluctuations [1]. - Notable products include: - "幸福99添益(稳健 严选FOF)" from 杭银理财 with a three-month yield of 13.32% [7]. - "贵竹固收揭强未在" from 中国民生银行 with a three-month yield of 11.5% [8]. - "宁享固定收益类甄选日开理财1号" from 微众银行 with a three-month yield of 7.90% [14]. Distribution Channels - The article lists 28 distribution institutions, including major banks such as 工商银行, 中国银行, and 招商银行, which are involved in selling these wealth management products [1]. - It highlights the variability in product availability due to factors like sales limits and differing product displays across banks, advising investors to refer to the actual offerings on bank apps [1]. Data Source - The performance data is sourced from 南财金融终端, with statistics as of October 30, 2025, and the ranking is based on products available for sale from November 3 to November 9, 2025 [1][14].

Core Viewpoint - Hong Kong banking stocks experienced a collective rise, with notable increases in share prices for various banks, indicating a positive market sentiment towards the banking sector [1] Summary by Category Stock Performance - Huishang Bank rose by 4.5%, China Construction Bank increased by over 3%, and several other banks including Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China saw gains exceeding 2% [2] - The overall performance of banking stocks reflects a shift in market investment style towards stable, high-dividend yielding stocks [1] Financial Outlook - According to a report by Xiangcai Securities, the revenue of listed banks is expected to remain stable, with an increase in net profit growth anticipated for the third quarter of 2025 [1] - Various types of banks have shown an improvement in net interest income growth compared to the mid-term, with many banks experiencing a marginal stabilization in interest margins [1] Investment Recommendations - The report suggests focusing on state-owned banks for their stable high-dividend investment value, recommending Industrial and Commercial Bank of China and Bank of China [1] - Additionally, there are opportunities for valuation recovery among joint-stock banks and regional banks, with recommendations for banks such as CITIC Bank, Jiangsu Bank, Chengdu Bank, and others [1]