此次事件充分展现了农行员工的专业素养与服务温度。网点负责人表示，将持续强化员工应急处突能力 培训，优化"厅堂联防"工作流程，让每位员工都成为客户资金安全的"守护者"，切实筑牢反诈"最后一 道防线"。 事发当日，两位神色慌张的中年客户冲进营业大厅，满头大汗地求助："我们刚报完警，但完全不知道 接下来该做什么！"见状，大堂经理立即将客户引导至休息区，递上温水安抚情绪，并启动应急预案。 同时，网点内勤行长迅速与客服经理成立临时处置小组，三人分工协作：客服经理先协助客户将银行卡 冻结，防止客户资金进一步流失，并快速调取客户交易流水并标注关键信息；内勤行长详细记录报警回 执内容，梳理警方要求的补充材料；大堂经理则用通俗易懂的语言向客户讲解后续处理流程，并反复强 调"不轻信、不转账"的防诈原则。 "骗子可能会冒充警方要求二次转账，千万要提高警惕！"大堂经理一边讲解，一边将关键步骤手写成便 签。针对客户提出的疑问，三人耐心解答近，期间不断用轻松话题缓解客户焦虑。最终，客户不仅拿到 了完整的资金流水证明，更掌握了案件查询渠道和反诈应对技巧。"本来脑子一片空白，现在终于知道 该怎么做了！"客户离行时连连道谢，特别点赞银行"反应 ...

"以前一天要跑好几趟银行查账，现在钱直接到卡里，还有语音提醒，真是太方便了！"王大爷激动地 说。据悉，这是孙耿支行今年以来办理办理的第46户乡村商户收款码业务。 "再也不用担心错过收款了！"近日，孙耿街道肉食店经营者王大爷逢人就夸农行的新服务。原来，农行 孙耿支行工作人员主动上门，为他办理了智能收款码，解决了长期困扰他的收款难题。 在村里经营肉食店多年的王大爷，一直使用个人收款码收款。不仅每笔提现要支付手续费，更因店内嘈 杂经常错过收款提示。得知农行收款码的便利功能后，他抱着试试看的心态来到孙耿支行咨询。令他惊 喜的是，支行工作人员当天下午就驱车来到村里，现场为他办理业务。 工作人员详细讲解了收款码的五大优势：支持微信、支付宝、云闪付等多渠道支付；每笔交易实时语音 播报；资金直达银行卡；交易明细一目了然。在确认王大爷意向后，工作人员现场完成资料审核、信息 录入等全流程操作，仅用30分钟就成功开通服务，还贴心调试好语音播报音箱。 该支行负责人表示，作为服务"三农"的主力军，孙耿农行将持续推进普惠金融服务下沉，重点围绕科技 金融、数字金融等领域，创新推出更多适合农村市场的金融产品，让金融活水更好滋润实体经济。 一 ...

Core Viewpoint - The article highlights the importance of customer service in the banking sector, showcasing how Agricultural Bank of China (ABC) in Jinan effectively addressed a customer's urgent needs, demonstrating a commitment to customer-centric service [1][2]. Group 1: Customer Interaction - A senior customer, Mr. Zhang, expressed gratitude for the assistance received from the bank staff in resolving his concerns regarding the replacement of his social security card [1]. - The bank's lobby manager proactively identified potential issues related to the customer's benefits and provided timely support [1]. Group 2: Service Efficiency - The bank staff efficiently coordinated with local government departments to ensure the customer's concerns were addressed, demonstrating effective inter-departmental collaboration [2]. - The entire process of card replacement and information confirmation was handled swiftly, reflecting the bank's commitment to high-quality service [2]. Group 3: Customer Satisfaction - Mr. Zhang's positive feedback, noted in the bank's guestbook, underscores the impact of attentive service on customer satisfaction [1]. - The article emphasizes that the bank's approach not only facilitated a business transaction but also fostered a sense of trust and warmth in customer relations [2].

"阿姨，正规课程绝不会强制要求开数字钱包，这些'讲师'可能在利用您的账户搞违法活动呢！"小兰拿 出反诈手册，耐心讲解风险点；小刘则仔细查看老人的微信群，指出"任务式操作"的可疑之处。真诚的 话语、专业的分析，让老人们很快意识到危险，当即退出了可疑微信群。"我哪懂这些新东西，真是多 亏了你们！"一位老人后怕地说，反复感谢农行工作人员帮自己守住了养老钱。 "这是微信群里的'讲师'让办的，说这是课程任务。" 一位老人的回答，这让小兰立刻联想到晨会学习的 涉老诈骗案例 —— 不法分子常利用老年人对新事物的陌生感，远程操控开立金融账户实施诈骗。 "小同志，多亏你们拦住了我，不然这养老钱怕是要打水漂了！"近日，农业银行济南分行营业部营业室 大厅里，一位老人紧握着工作人员的手，话语里满是感激。这场及时劝阻，正是农行员工用专业与细 心，为老年人筑起金融安全防线的生动写照。 这天下午，几位年过六旬的老人陆续来到营业大厅，他们对智能手机操作并不熟练，却都提出要开立数 字人民币一类钱包。这一反常举动立刻引起大堂经理小兰和小刘的警觉。"大爷大妈，您开数字人民币 钱包是打算用来做什么呀？"两人主动上前询问。 这场成功拦截，是农行济南分 ...

走进舜华北路支行，"农情暖域"服务区内凉意融融。这里长期配备着饮水机、一次性纸杯、手机充电设 备及藿香正气水等常用防暑药品，为有需求的市民随时开放。针对近期极端高温，工作人员更是主动上 前，邀请环卫工人、外卖骑手等户外工作者到休息区歇脚，递上一杯凉白开，送出一份沁心清凉。 近日，济南市持续高温预警，闷热天气让户外作业成为不小的挑战。农行济南舜华北路支行积极响应高 温下的民生需求，为户外工作者及市民提供纳凉休憩、饮水补给等贴心服务，用实际行动践行"金融为 民"的初心。 "外面跟蒸笼似的，进来吹吹空调喝口水，浑身都舒坦了！"刚结束路段清扫的环卫工人刘师傅接过水 杯，对工作人员的热情连连点赞。赶大集途中进入网点避暑的张大爷也感慨道："天这么热，能在这儿 歇歇脚，真是太贴心了！"一句句朴实的称赞，道出了高温里的暖心共鸣。 下一步，农行济南舜华北路支行将不断优化服务细节，让营业网点不仅是办理业务的金融窗口，更成为 守护民生温度的"暖心驿站"，以点滴行动传递金融服务的温情与担当。 ...

此次服务是农行济南自贸区支行落实"优化支付服务"行动的生动体现。近年来，支行聚焦外籍来华人 员、老年人等群体的金融需求，通过多语言服务、绿色通道等举措，持续提升支付便利性，让金融服务 更有温度。未来，农行济南自贸区支行将继续践行"金融为民"理念初心，为每一位客户提供优质的金融 服务，切实提升客户满意度。 近日，农行济南自贸区支行以专业、贴心的服务赢得了一位外籍客户的高度认可，展现了银行在优化支 付服务方面的用心与温度。 当日，一名外籍客户来到农行济南自贸区支行营业部办理业务。大堂经理热情接待，了解到客户是济南 某企业的外籍员工，需要办理一张一类银行卡作为工资卡使用。工作人员随即引导客户至柜台，按照开 户流程耐心指导其填写资料、核对证件信息，并详细解答客户的疑问，整个过程高效顺畅，很快完成了 银行卡的开立。工作人员还贴心告知客户网点服务电话，确保客户用卡无忧。客户对工作人员的优质服 务竖起大拇指，满意地离开了网点。 ...

Investment Ratings - Banking: Overweight (Maintain) [1] - Securities: Market Weight (Maintain) [1] - Insurance: Overweight (Maintain) [3] Core Insights - The banking sector is experiencing a recovery in activity, with several banks reporting positive growth in net profit for the first half of 2025, driven by favorable policies and a stable interest margin [7][46] - The securities sector is benefiting from explosive growth in mid-year earnings forecasts from listed brokers, with all 32 brokers reporting increased or turned profitable earnings [4][48] - The insurance industry is seeing a favorable shift in its liability side, with a reduction in the guaranteed interest rate for traditional life insurance, prompting a potential shift in product offerings [5][49] Summary by Sections Market Review - As of August 7, 2025, the banking index increased by 1.66%, while the securities index decreased by 1.98%, and the insurance index rose by 0.35% [15] - Agricultural Bank, Western Securities, and New China Life Insurance showed the best performance among sub-sectors with increases of 8.23%, 6.04%, and 4.45% respectively [15] Valuation Situation - As of August 7, 2025, the banking sector's price-to-book (PB) ratio is 0.77, with state-owned banks at 0.80, joint-stock banks at 0.68, city commercial banks at 0.76, and rural commercial banks at 0.66 [24] - The securities sector's PB ratio is 1.55, indicating potential for valuation recovery [27] Recent Market Indicators - The average daily trading volume in the A-share market was 16,120.08 billion, with a week-on-week decrease of 9.79% [35] - The margin trading balance reached 2 trillion, marking a significant milestone since July 2015 [35] Industry News - The government is implementing consumer loan interest subsidies to stimulate consumption and enhance market vitality [41] - The insurance sector is expanding its private equity investment funds, indicating a long-term influx of capital into the market [42] Company Announcements - Qingdao Bank reported a 7.50% increase in revenue for the first half of 2025, with net profit growing by 16.05% [44] - Agricultural Bank and other banks are expected to benefit from favorable policies and a stable dividend environment [46] Weekly Perspectives - The banking sector is expected to see continued demand for high-dividend, low-valuation stocks, driven by a low-interest-rate environment and a shift in capital towards safer investments [46][47] - The securities sector is advised to focus on companies with strong mid-year earnings forecasts and those benefiting from regulatory changes [48] - The insurance sector is encouraged to optimize product structures in response to changes in guaranteed interest rates, with a focus on flexible income products [49]

Core Viewpoint - The State Council's meeting on July 31 initiated personal consumption loan interest subsidy policies and service industry loan interest subsidy policies, which are expected to support economic growth and alleviate pressure on the service sector [1][2]. Group 1: Policy Implementation - Multiple banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank, have actively responded to the subsidy policies, indicating strong support from the financial system for growth stabilization [3][5]. - The policies aim to lower credit costs for residents and financing costs for service industry entities, thereby stimulating consumption and enhancing market vitality [2][6]. Group 2: Bank Responses - Banks are simplifying application processes and enhancing efficiency to ensure that the subsidy policies effectively reach consumers and service industry entities [5][7]. - Specific measures include the launch of personal loan brands and tailored financial service packages to support key consumption areas such as automotive, home appliances, and cultural tourism [7]. Group 3: Economic Impact - The fiscal and financial linkage is expected to boost consumption and market activity, reducing the financial burden on consumers and enabling businesses to expand and upgrade [7][8]. - The rapid response from banks reflects a strategic alignment with government policies aimed at boosting consumption and supporting small and micro enterprises [6][8].

Group 1 - Agricultural Bank of China (ABC) achieved a historic high stock price of 6.62 CNY per share on August 6, 2023, with a market capitalization of 2.11 trillion CNY, surpassing Industrial and Commercial Bank of China (ICBC) at 2.09 trillion CNY [1][2] - On August 7, ABC's market capitalization increased to 2.14 trillion CNY, while ICBC's market capitalization was reported at 2.11 trillion CNY [4][6] - The total market capitalization of ABC's A and H shares on August 6 was 2.26 trillion CNY, which is lower than ICBC's total market capitalization of 2.57 trillion CNY [4][6] Group 2 - Among state-owned banks, ABC has the highest proportion of A-shares at approximately 91%, while China Construction Bank has the lowest at about 8% [7][9] - The A-share market capitalization of major banks as of August 7, 2023, shows ABC leading with 2.14 trillion CNY, followed by ICBC at 2.11 trillion CNY, and Bank of China at 1.36 trillion CNY [3][4] Group 3 - In the first half of 2023, bank stocks, including ABC, saw significant price increases, with major banks like ABC, ICBC, and China Construction Bank all experiencing double-digit growth exceeding 12% [5][6] - Institutional investors, particularly insurance funds, have been actively purchasing bank stocks, with China Ping An increasing its holdings in ABC's H-shares [6][10] Group 4 - The dividend distribution for A-share listed banks totaled 6.33 billion CNY in 2024, with state-owned banks accounting for 66.49% of this total [12] - ICBC led the dividend payouts among major banks with 109.77 billion CNY, followed by China Construction Bank with 100.75 billion CNY, and ABC with 84.66 billion CNY [12]

有业内人士提出，今年一季度多数上市银行盈利表现低于预期， 不少银行的净息差还在走 低、叠加不良率抬头，二者甚至出现了罕见的"倒挂"。而部分银行资产质量的走低，可能削弱 其后续分红能力，使得未来股价上涨的可持续性面临考验。 记者丨 余纪昕 编辑丨方海平 时间来到8月，银行股行情依然"风光无两"。 延续上半年的强劲走势，8月初银行板块继续狂飙。8月5日，A股银行板块42只个股全线飘 红，其中15只涨幅超过2%。 农业银行8月6日收盘价报6.62元，再创历史新高，A股市值升至 2.11万亿元 。数只银行股股价今年以来屡创新高，Wind数据显示，截至8月7日发稿时，中证 银行指数年内累计上涨13.90%，A股银行板块内42只个股年内均实现了不同程度的上涨。 面对持续翻红的银行股股价，市场开始顾虑： 错过前面这波的行情，现在银行股的点位"还能 冲吗"？在股价长红的背后，银行业绩风险几何？ 开源证券银行首席分析师刘呈祥告诉21世纪经济报道，当前银行行情仍为股息红利逻辑驱 动，与基本面相关性较弱。他指出，从经营层面看，2025年一季度上市银行息差收窄压力 仍存。在对公业务风险逐步缓释的同时，当前各银行新生不良主要集中在零售 ...