Group 1 - The core theme of the conference is "Moving Towards a Financial Power during the 14th Five-Year Plan" [1] - Artificial intelligence is identified as a key support for national self-reliance and the construction of a financial power, providing critical opportunities for bank transformation [3] - Postal Savings Bank has completed a comprehensive reconstruction of four core systems: personal, corporate, credit card, and fund business, to facilitate the implementation of AI scenarios [3] Group 2 - The bank upgraded its data governance committee to a data and model governance committee, aiming to promote data assetization with goals of "data as a service, data as value, and visibility equals accessibility" [3] - Challenges in building high-quality datasets are highlighted, including the issue that "big data is not actually big," with insufficient data for large models and efficiency challenges due to large data scale [3] - The bank emphasizes risk control in AI applications, adhering to the principle that "the model is responsible to whoever uses it," ensuring that AI assistant results are accountable to users [3]

Core Viewpoint - Ping An Life increased its stake in Agricultural Bank of China (ABC) by acquiring 44.05 million H-shares, raising its total holdings to 5.842 billion shares, which now represents over 19% of ABC's total H-shares [1] Group 1: Market Conditions - The banking sector's "high dividend, low valuation" characteristic has re-emerged, with average dividend yields for A-shares and H-shares at 4.3% and 5% respectively as of December 19 [1] - The People's Bank of China is expected to maintain a moderately loose monetary policy, with potential for interest rate cuts and reserve requirement ratio reductions in 2026 [1][2] Group 2: Investment Outlook - Long-term demand for capital allocation in the banking sector is anticipated to continue, driven by the "high dividend, low valuation" logic [2] - The recent appreciation of the RMB is favorable for the performance of RMB-denominated equity assets, with expectations for stable macro-financial conditions leading to improved bank operating environments [2] Group 3: Banking Sector Overview - The Hong Kong-listed banks include Agricultural Bank of China, China Merchants Bank, Industrial and Commercial Bank of China, China Construction Bank, Minsheng Bank, Postal Savings Bank of China, and Citic Bank [3]

Core Viewpoint - The forum hosted by Postal Savings Bank focused on activating the silver economy and empowering the high-quality development of pension finance through financial means [1] Group 1: Pension Financial Services - Postal Savings Bank is actively supporting the construction of a multi-tiered pension insurance system, having issued over 130 million financial social security cards and opened over 10 million personal pension accounts [2] - The bank enhances its "financial + social security" one-stop service capabilities, offering features like card replacement and electronic social security card issuance [2] - It provides comprehensive lifecycle management for personal pension accounts, covering all channels and products, including deposits, funds, insurance, and wealth management [3] Group 2: Silver Economy Product Rights - The bank launched the "Warm Post Autumn Festival" event, creating a "financial + pension" ecosystem and introducing the "Vitality Life Card" series, which includes 12 pension rights across six categories [4] - Collaborations with various institutions aim to enhance the quality of services for the elderly, focusing on health management and cultural engagement [4] Group 3: Elderly Financial Services - Postal Savings Bank is improving its elderly-friendly financial services by enhancing the accessibility of its physical branches and digital platforms [5] - The bank has established over 3,000 health management stations for elderly clients and created community spaces to support their well-being [5][6] Group 4: Pension Industry Financing - The bank has developed a "523" service system targeting five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the pension industry [7] - It has successfully launched significant projects, such as a 4.972 billion yuan health and wellness syndicate project in Wenzhou, leveraging innovative financial service models [7] - The bank is enhancing its support systems for the pension industry through optimized credit policies and collaborative mechanisms with government and enterprises [8] Group 5: Future Directions - The bank officially launched its "U Enjoy Future" pension finance brand and released a national pension demand trend report, reinforcing its commitment to supporting the silver economy [8] - Future strategies will focus on safeguarding pension assets, warming the elderly clientele, and deepening engagement in the pension industry [8]

Core Viewpoint - The article emphasizes the importance of developing a comprehensive pension finance system to address the challenges posed by an aging population, highlighting the role of Postal Savings Bank in promoting high-quality development in pension finance [1][6]. Group 1: Pension Financial Services - Postal Savings Bank has served over 130 million urban and rural basic pension insurance customers and has issued a significant number of financial social security cards, ranking among the industry leaders [2]. - The bank has established a comprehensive personal pension service system covering the entire process from account opening to withdrawal, offering a wide range of investment products [3]. - Innovative features such as retirement benefit calculators, automatic contributions, and family pension accounts are being introduced to enhance personal pension planning [3]. Group 2: Elderly Customer Services - The bank has launched various initiatives to improve services for elderly customers, including the "Postal Warm Double Ninth Festival" and the "Vitality Life Card" series, which provide a range of benefits in health and wellness [4]. - Efforts to bridge the digital divide for elderly clients include optimizing physical branches and enhancing online banking accessibility [5]. Group 3: Pension Industry Financing - Postal Savings Bank has developed a "5-2-3" service system focusing on five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the pension industry [6]. - The bank has successfully initiated significant projects, such as a 4.972 billion yuan health care syndicate project in Wenzhou, demonstrating its commitment to innovative financial services in the pension sector [6][7]. - The establishment of a collaborative mechanism among government, banks, and enterprises aims to enhance the local pension service system and promote high-quality pension service supply [7]. Group 4: Future Directions - The bank plans to continue enhancing its pension financial service capabilities and has launched the "U Enjoy Future" pension finance brand, further solidifying its commitment to protecting pension assets and serving the elderly population [7].

Core Viewpoint - The tragic suicides of bank wealth manager Wang and her husband have brought attention to a significant financial scandal involving the misappropriation of funds from elderly bank customers, raising questions about regulatory oversight and the potential for civil litigation against the bank involved [2][3]. Group 1: Incident Overview - Wang, a wealth manager at Postal Savings Bank, manipulated customer accounts to transfer funds to accounts she controlled, affecting over 10 customers and totaling more than 10 million yuan [2]. - The funds misappropriated included over 1.6 million yuan from one elderly customer, leading to severe emotional distress and subsequent death of the victim upon learning of the situation [2]. - Following the suicides, the police decided to close the case due to the death of the suspects, advising victims to pursue civil lawsuits for recovery of their funds [3]. Group 2: Regulatory Response - The China Banking and Insurance Regulatory Commission (CBIRC) stated that, based on current investigations, it could not confirm any violations of banking regulations by Postal Savings Bank [4]. - A previous case involving a wealth manager at Postal Savings Bank in Tai'an highlighted systemic issues, where the bank was found liable for 70% of the losses incurred by victims due to internal control failures [6][7]. - The disparity between the Tai'an case and the current situation in Shangqiu raises concerns about the consistency of regulatory oversight and accountability within the banking sector [7]. Group 3: Legal Proceedings - Victims have initiated civil litigation processes, although they have been advised to wait for the conclusion of the criminal investigation before proceeding [7][8]. - The victims' legal representatives are actively seeking to expedite the civil lawsuit in light of the police's decision to close the criminal case [8].

Core Viewpoint - The forum hosted by Postal Savings Bank focuses on the development of pension finance to address the aging population and enhance the quality of pension services in China [1] Group 1: Pension Financial Services - Postal Savings Bank has served over 130 million urban and rural basic pension insurance customers and has issued a significant number of financial social security cards [2] - The bank has established a comprehensive personal pension service system covering the entire process from account opening to withdrawal, with over 10 million personal pension accounts opened [3] - The bank's innovative features such as retirement benefit calculators and automatic contributions are aimed at improving personal pension planning [3] Group 2: Elderly Customer Product Rights - The bank launched the "Vitality Life Card" series in collaboration with China UnionPay, offering 12 types of pension rights across six categories [4] - The bank has organized activities like the "Postal Warm Double Ninth Festival" to enhance the financial and social engagement of elderly customers [4] Group 3: Elderly Service Financial Enhancement - Postal Savings Bank is improving services for elderly clients through both offline and online channels, including the establishment of over 3,000 health management stations [5] - The bank is creating a comprehensive ecosystem for elderly services, integrating financial and cultural offerings [5][6] Group 4: Strengthening Pension Industry Finance - The bank has developed a "523" service system targeting five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the pension industry [7] - The bank has successfully launched significant projects, such as a 4.972 billion yuan health and wellness syndicate project in Wenzhou, demonstrating its commitment to supporting local pension service systems [7] - The bank is continuously enhancing its support mechanisms for the pension industry, including optimizing credit policies and developing specialized financial products [7] Group 5: Future Directions - Postal Savings Bank has introduced the "U Enjoy Future" pension finance brand and released a report on national pension demand trends, reinforcing its commitment to enhancing pension financial services [8] - The bank aims to protect pension assets, warm the elderly customer base, and deepen its involvement in the pension industry [8]

Core Viewpoint - The article discusses a financial scandal involving a bank wealth manager, Wang Mingshan, who manipulated customer accounts, leading to significant financial losses for elderly clients and subsequent tragic events, including suicides of the involved parties [3][4]. Group 1: Incident Overview - Wang Mingshan, a wealth manager at Postal Savings Bank, misappropriated over 1 million yuan from more than 10 clients, primarily elderly individuals [4]. - Following the discovery of the fraud, Wang committed suicide in April 2025, and her husband also took his life in August 2025 [4][5]. - The police have since closed the case due to the suspects' deaths, advising victims to pursue civil litigation for their losses [4][9]. Group 2: Regulatory Response - The China Banking and Insurance Regulatory Commission (CBIRC) stated that it could not confirm any violations of banking regulations by Postal Savings Bank regarding the incident [5][8]. - In a similar past case, a wealth manager at Postal Savings Bank was found guilty of fraud, with the court ruling that the bank bore 70% of the financial losses incurred by the victims due to its internal control failures [7][8]. Group 3: Legal Proceedings - Victims have initiated civil litigation against the bank, although the case has not yet reached the court due to the need for the completion of the criminal investigation [8][9]. - The victims' lawyer is working to expedite the civil lawsuit process following the police's decision to close the criminal case [9].

Core Viewpoint - Postal Savings Bank of China Hubei Branch is committed to serving the real economy and small businesses by implementing a series of measures to reduce financial costs and fees, thereby injecting financial support into high-quality economic development [1] Group 1: Fee Reduction Measures - The bank has established a comprehensive fee reduction system that covers both corporate and personal clients, ensuring benefits are available online and offline [2] - The bank has eliminated various fees for corporate clients, including account management fees and small account management fees, while offering discounts on account opening fees for small businesses and individual entrepreneurs [2] - Personal clients benefit from waived annual fees for debit cards and reduced costs for account usage, effectively lowering financial burdens [2] Group 2: Financing Cost Reduction - The bank has aligned its loan pricing with the Loan Prime Rate (LPR), providing a 75 basis point discount for inclusive small business loans, resulting in a decrease of over 50 basis points in the average interest rate for small business loans since 2025 [3] - The bank has taken on costs associated with mortgage assessments, registration, and notarization to alleviate the financial burden on businesses, eliminating hidden fees [3] Group 3: Policy Promotion and Impact - The bank has created a dual-channel promotional strategy to ensure comprehensive policy dissemination, utilizing both online platforms and physical outreach to enhance awareness [4] - As of November 2025, the bank has waived a total of 93.84 million yuan in payment fees, benefiting over 107,000 business entities, with 92,000 being small businesses and individual entrepreneurs, accounting for 86% of the total [4] - Over the past five years, the bank has covered 58.97 million yuan in costs related to mortgage assessments and other fees for enterprises [4] - The bank plans to continue enhancing fee reduction policies and improving service precision to further support the financing needs of businesses [4]

据交通银行官方微信公众号消息，近日，交通银行"沃野万理·共见未来——沃德财富万里行"全国巡回 路演在上海、广州、北京三地联合启动。在启动仪式上，周万阜表示，交行近期在总行层面成立财富管 理部，进一步强化财富金融特色，提升客户服务能力。此次"沃德财富万里行"作为组织架构优化后的首 个市场推广项目，将率先在重点区域开展，并逐步向全国推广，持续推动财富管理服务提质升级。 财富管理业务与老百姓的"钱袋子"息息相关。近日召开的中央经济工作会议将"坚持内需主导，建设强 大国内市场"列为明年经济工作重点任务，提出"深入实施提振消费专项行动，制定实施城乡居民增收计 划"。 "财富管理是增加居民财产性收入的重要途径之一，也是提振消费的重要抓手。"周万阜表示，交通银行 做优做强财富管理业务，助力居民增加财产性收入，是落实党中央决策部署的重要举措，也是金融机构 特别是资管机构和财富管理机构的共同使命。 交通银行财富管理业务目前成色如何？半年报显示，截至2025年6月末，交通银行代销个人公募基金产 品余额2131.61亿元，代销个人理财产品余额10044.77亿元，代销个人保险产品余额3535.3亿元。 作为财富管理版图的核心，理财 ...

暫停辦理股份過戶登記 中國郵政儲蓄銀行股份有限公司（「本行」）董事會（「董事會」）宣佈，本行擬於 2026年1月19日（星期一）舉行2026年第一次臨時股東會（「臨時股東會」）。 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 聯席公司秘書 中國，北京 2025年12月26日 * 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 款業務。 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；執行董事姚紅女士；非 執行董事劉新安先生、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。 為確定有權出席臨時股東會的H股股東名單，本行將於2026年1月1 4日（星期 ...