北京市建国门北大街 8号华润大厦 20 层 邮编:100005 电话:(86-10) 8519-1300 传真:(86-10) 8519-1350 关于中国邮政储蓄银行股份有限公司 2025 年第二次临时股东大会 的法律意见书 完合律师事分所 储蓄银行股份有限公司董事会决议公告》,本次会议由贵公司董事会召集,贵公 司董事会已就此作出决议,符合《公司法》《股东会规则》和《公司章程》的相 关规定。 (二) 本次会议的通知 致:中国邮政储蓄银行股份有限公司 北京市君合律师事务所(以下简称"本所")接受中国邮政储蓄银行股份有 限公司(以下简称"贵公司")的委托,就贵公司2025年第二次临时股东大会(以 下简称"本次会议")召集、召开的有关事宜,根据《中华人民共和国公司法》 (以下简称"《公司法》")、中国证券监督管理委员会《上市公司股东会规则》 (以下简称"《股东会规则》")等中国(为出具本法律意见书之目的,不包括 香港特别行政区、澳门特别行政区及台湾省)法律、法规、规章及贵公司现行有 效的《中国邮政储蓄银行股份有限公司章程》(以下简称"《公司章程》")的 有关规定,出具本法律意见书。 为出具本法律意见书之目的,本所 ...

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的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 海外監管公告 關於吸收合併全資子公司通知債權人公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10(B)條作出。如下公 告已於上海證券交易所網站刊登，僅供參閱。 特此公告。 承董事會命 中國郵政儲蓄銀行股份有限公司 杜春野 聯席公司秘書 中國，北京 2025年10月9日 於本公告日期，本行董事會包括董事長及非執行董事鄭國雨先生；執行董事劉建軍先生及姚紅 女士；非執行董事韓文博先生、劉新安先生、張宣波先生、劉瑞鋼先生、胡宇霆先生、丁向明 先生及余明雄先生；獨立非執行董事溫鐵軍先生、鍾瑞明先生、潘英麗女士、唐志宏先生、洪 小源先生及楊勇先生。 * 中國郵政儲蓄銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機 構，並不受限於香港金融管理局的監督，亦不獲授權在香港經營銀行及╱或接受存款業 ...

新华财经北京10月9日电 因违规发放借冒名贷款等，绍兴三家银行合计被罚190万元。 | 序号 | 当事人名称 | 主要违法违 | 行政处罚内 | 作出决定 | | --- | --- | --- | --- | --- | | | | 规行为 | 容 | 机关 | | 1 | 中国邮政储 蓄银行股份 | 冒名贷款。 | 对中国邮政 储蓄银行股 份有限公司 | 总局绍兴 | | | | | | 国家金融 | | | | 违规发放借 | | 监督管理 | | | 有限公司绍 | | 绍兴市分行 | | | | 兴市分行及 | | 罚款30万 | 监管分局 | | | 相关责任人 | | 元;对于一 | | | | | | 楷警告。 | | | 2 | 浙江嵊州农 村商业银行 | 员工行为管 理不到位; | 对浙江嵊州 农村商业银 行股份有限 | | | | | | | 国家金融 | | | | | | 监督管理 | | | 股份有限公 | 项目贷款管 | 公司罚款105 | | | | 司及相关责 | 理不审慎 | | 总局绍兴 | | | | | 万元;对王 | 监管分局 | | | 任人 | 等。 | 小波、 ...

Core Insights - Postal Savings Bank of China has experienced a decline in stock price, falling 0.87% to 5.70 CNY per share, with a total market capitalization of 684.54 billion CNY [1] - The bank's stock has dropped for five consecutive days, resulting in a cumulative decline of 5.94% during this period [1] Company Overview - Postal Savings Bank of China, established on March 6, 2007, and listed on December 10, 2019, is headquartered in Beijing, China [1] - The bank provides a range of banking and financial services, primarily through personal banking, corporate banking, and funding operations [1] - Revenue composition: personal banking (69.57%), corporate banking (19.70%), funding operations (10.65%), and other services (0.07%) [1] Fund Holdings - Two funds under Huian Fund have significant holdings in Postal Savings Bank, totaling 258,200 shares, resulting in a daily floating loss of 12,900 CNY based on the current stock price [2] - The funds have incurred a total floating loss of 93,000 CNY over the five-day decline [2] - Specific fund details: Huian Fengheng Mixed A holds 144,500 shares (0.21% of fund net value), while Huian Xinzhe Stable One-Year Holding Mixed A holds 113,700 shares (0.29% of fund net value) [2]

来源：新浪基金∞工作室 九泰久盛量化混合A（001897）基金经理为袁多武。 10月9日，邮储银行跌0.87%，截至发稿，报5.70元/股，成交7.32亿元，换手率0.19%，总市值6845.42亿 元。邮储银行股价已经连续5天下跌，区间累计跌幅5.94%。 截至发稿，袁多武累计任职时间5年79天，现任基金资产总规模1.18亿元，任职期间最佳基金回报 84.71%， 任职期间最差基金回报-5.13%。 资料显示，中国邮政储蓄银行股份有限公司位于中国北京市西城区金融大街3号,香港湾仔皇后大道东 248号大新金融中心40楼，成立日期2007年3月6日，上市日期2019年12月10日，公司主营业务涉及中国 邮政储蓄银行股份有限公司在中国提供银行及相关金融服务。该银行主要通过个人银行、企业银行及资 金业务运营。个人银行业务向个人客户提供多种产品及服务,包括人民币及外汇存储、贷款、银行卡及 中间业务产品及服务。企业银行业务为企业客户提供多样化金融产品及服务,包括企业贷款、贴现票 据、企业存款及中间业务产品及服务,如:结算、票据管理、现金管理、投资银行、托管及公司理财。资 金业务主要包括金融市场业务,如:市场交易、投资、 ...

Core Viewpoint - The article argues that while securitization is a financing tool, it is not suitable for banks to dispose of non-performing loans due to various inefficiencies and potential losses associated with the process [1][2][21]. Summary by Sections Principle Explanation - Securitization primarily generates returns for investors from the recovery of non-performing loans, which are still collected by the banks themselves, leading to a situation where banks effectively pay out a portion of their own recoveries to investors [1][2]. - The cash flow from securitized non-performing loans tends to be stable initially but decreases over time, which complicates the timing of cash recovery during the transition period before formal issuance [2][5]. - During the transition period, banks may only receive about 50% of the expected cash flow from the securitized assets, as the initial recoveries belong to the investors [5][6]. - The article highlights that banks often incur significant write-off resources when securitizing loans, which could be avoided through direct recovery methods [7][8]. Empirical Analysis - From 2021 to 2024, Postal Savings Bank issued 22 securitization products, with the total amount of non-performing loans disposed of and the corresponding cash received from securitization detailed in a table [11][12]. - The average cash recovery during the transition period reached approximately 47.8% of the securitization proceeds, demonstrating the inefficiency of the securitization process [14]. - The analysis shows that the cash recovery period for these products averaged around 367 days, indicating that banks could have achieved similar results through direct recovery without securitization [14][15]. Related Thoughts - The article discusses the motivations behind banks engaging in securitization, suggesting that intermediaries benefit financially from the process, which may lead to a lack of thorough cost-benefit analysis by the banks themselves [20][21]. - It emphasizes that while securitization is a common practice, it may not be the most effective method for managing non-performing loans, as banks could achieve better outcomes through direct recovery and write-off strategies [21][22].

请您根据自身需要，提前做好相应安排。由此给您带来的不便，敬请谅解！ 2025年10月8日，中国邮政储蓄银行发布公告称，为了给您提供更加优质、安全、快捷的服务，中国邮 政储蓄银行将于2025年10月13日23点至2025年10月14日凌晨6点，2025年10月16日23点至2025年10月17 日凌晨6点，2025年10月20日23点至2025年10月21日凌晨6点，2025年10月23日23点至2025年10月24日凌 晨6点进行电子签约存证系统技术升级。系统升级期间，将暂停办理全部线上电子化CFCA签署业务， 包括手机银行、企业手机银行、微信银行、个人网银、企业网银、移动展业、信用卡app、远程服务中 心系统、服务开放平台、U链供应链系统等交易渠道的线上签署功能均停止使用。 ...

Core Viewpoint - The postal industry plays a crucial role in modernizing services, promoting consumption, and facilitating circulation, with a focus on high-quality development and innovation in response to national strategies [1][2][3] Group 1: Service Enhancement - The postal service aims to improve public service equality, enhancing accessibility and stability, with all remote villages achieving direct mail delivery [1] - Express logistics are being optimized for speed, quality, cost reduction, and market expansion, significantly boosting competitive capabilities [1] - Postal Savings Bank is actively supporting rural areas, urban residents, and SMEs, with revenue and profit growth leading among state-owned banks, maintaining a top position in global banking rankings [1] Group 2: Support for National Strategies - The postal service is committed to rural revitalization, developing tailored service systems for local industries and enhancing logistics and financial systems [2] - It is integrating with modern industries like manufacturing and commerce, exploring innovative service models to improve supply chain efficiency [2] - The organization is focused on supporting major regional strategies and ensuring service guarantees in key areas [2] Group 3: Technological Empowerment - The company is advancing digital postal services, with significant applications in logistics and finance, transitioning to intelligent and automated operations [3] - The theme for World Post Day emphasizes the commitment to serving the public and enhancing connectivity through a robust postal network [3] Group 4: Core Functions and Transformation - The postal service is enhancing universal service quality and playing a leading role in logistics, ensuring stability in disaster response and supply chain security [4] - It is shifting focus from consumer needs to also include production demands and national emergency services, enhancing collaborative efforts [4] Group 5: Circular Economy and Rural Support - The organization is leveraging its extensive network to improve circulation and service delivery, addressing challenges in rural sales, logistics, and financing [5] - It aims to create a comprehensive support system for rural revitalization, integrating logistics, storage, and financial services [5] Group 6: International Cooperation and Development - The postal service is strengthening international collaborations to enhance service offerings and resource integration, benefiting urban and rural development [6] - The organization is committed to high-quality development and connectivity, contributing to national modernization and revitalization efforts [6]

Core Viewpoint - Recent adjustments by some joint-stock banks to reduce credit card overdraft rates to "0" aim to increase volume by lowering costs [1] Group 1: Credit Card Loan Trends - Credit card loan balances are a key indicator of retail banking customer activity, with recent adjustments reflecting banks' efforts to compete for existing customers during a retail "cold season" [2] - Many listed banks have seen a further expansion of negative growth in credit card loan balances this year, alongside a decline in other retail loan categories such as consumer loans and mortgages [2][4] - Major state-owned banks like Bank of China and Postal Savings Bank reported declines in credit card loan balances of 13.88% and 5.67% respectively, while some joint-stock banks also experienced negative growth [3] Group 2: Overall Retail Lending Environment - The retail lending sector is undergoing an "adjustment period," with 17 out of 42 listed banks reporting a contraction in personal loan balances as of mid-2023 [4] - The contraction in personal housing mortgage loans has been a significant factor, with a reported negative growth of 1.6% in personal housing loan balances at the end of 2023, marking the first decline since 1997 [5][6] Group 3: Retail Loan Risk Assessment - Retail loan risks are on the rise, with the non-performing loan (NPL) ratio for retail loans increasing to 1.23% as of mid-2023, compared to a decrease in corporate loan NPL ratios [9] - Specific segments such as mortgage loans, consumer loans, and credit cards have seen their NPL ratios rise, indicating a challenging environment for retail lending [9][10] - The overall retail loan risk trend remains upward, with banks acknowledging the need for improved risk management practices in response to these challenges [10]

格隆汇10月8日丨根据联交所最新权益披露资料显示，2025年9月30日，邮储银行(01658.HK)获Ping An Asset Management Co., Ltd.在场内以每股均价5.4382港元增持836万股，涉资约4546.34万港元。 | 要 HEAR | 大股票/董事/股惠行政人員名稱 作出获羅的 員入 / 寶出或涉及的股每股的平均值 | | 持有權益的股份數目 佔已發行的 有關事件的日期 相關注黨股份 做權盛權益 | | --- | --- | --- | --- | | KER | | | (讀參閱上述*註解) 有投票權股(日 / 月 / 年) 權益 | | | | | 份自分比 | | | | | ( 96 ) | | CS20251005E00009 Ping An Asset Management 1101(L) | 8,360,000(L) | | HKD 5.4382 3,382,236,000(L) 17.03(L)30/09/2025 | | Co., Ltd. | | | | 增持后，Ping An Asset Management Co., Ltd.最新持股数目为3,382 ...