Core Points - Agricultural Bank of China demonstrated its commitment to customer service by assisting a client with damaged currency exchange, showcasing its social responsibility and dedication to the community [1][2] - The bank's staff efficiently handled the exchange of over ten thousand severely damaged banknotes, which had been contaminated and stuck together, through manual processing [1] - The successful completion of the currency exchange not only alleviated the client's immediate financial concern but also reinforced the bank's professional image and service ethos [2] Summary by Sections - **Customer Service**: The Agricultural Bank of China provided exceptional service by addressing a client's urgent need for currency exchange, which other banks had declined to assist with [1][2] - **Operational Efficiency**: The bank's employees utilized their expertise to manually separate and count the damaged banknotes, ensuring the client's assets were preserved [1] - **Corporate Responsibility**: This incident highlighted the bank's commitment to its service mission and its role as a responsible financial institution in society [2]

Core Points - The article highlights a specific incident at Agricultural Bank of China where a customer urgently needed access to funds for her hospitalized husband, showcasing the bank's commitment to customer service and responsiveness in critical situations [1] Group 1: Customer Service - Agricultural Bank of China emphasizes a customer-centric approach, responding flexibly and promptly to the urgent needs of special customer groups while adhering to business regulations [1] - The incident illustrates the bank's ability to handle emergency situations effectively, reinforcing its service promise of "finance for the people" [1] Group 2: Operational Efficiency - The bank's staff demonstrated operational efficiency by quickly assisting the customer in resetting her card password, allowing her to access the necessary funds without delay [1] - The successful resolution of the customer's issue not only alleviated her immediate financial concern but also strengthened the bank's reputation for reliability and support [1]

"这是我们应该做的。"小李在纸上写道，又比了个"有需要随时来"的手势。陈女士临走时，在客户留言 簿上画了一个大大的笑脸。 在乐天支行，我们始终相信：服务没有界限，温暖无需言语。无论是设置"爱心窗口"的硬件升级，还是 员工手语培训的软件提升，我们一直在努力让每位客户都感受到——农行的门，永远为所有人敞开；农 行的服务，永远用心传递温度。 办理过程中，细心的同事发现陈女士对电子签名屏操作不熟悉，便手把手教她使用；担心她日后遇到问 题，小李还在便签纸上写下支行的服务电话和线上咨询方式。当银行卡终于办好时，陈女士眼眶微红， 双手合十连连鞠躬致谢。 "您好！请问需要办理什么业务？"小李微笑着用手机打字，递到女士面前。女士眼睛一亮，连忙用手语 回应，又指了指柜台，拿出身份证。小李虽然不懂手语，但立即找来纸笔，耐心地与客户进行书面交 流。 日前，中国农业银行济南乐天支行刚开门营业，一位年轻女士站在门口，神情有些犹豫。她比划了几个 手势，却没有发出声音。客服经理小李立刻意识到，这是一位聋哑客户。 原来，这位陈女士想办理一张银行卡，用于交学费。但由于沟通障碍，她跑了好几个地方都没办成。了 解情况后，小李专门安排了一个安静的窗口 ...

Core Viewpoint - Agricultural Bank of China (ABC) demonstrates its commitment to elderly-friendly financial services through a recent case where a customer service representative provided home service to an elderly couple, addressing their specific needs and challenges [1] Group 1: Customer Service Initiatives - ABC has implemented measures such as establishing green channels and providing home service to assist elderly customers and those with mobility issues, effectively addressing their difficulties in accessing financial services [1] - The bank's staff, exemplified by the customer manager Xiao Zhang, actively engages with elderly clients by adapting communication methods and providing necessary tools, such as magnifying glasses, to enhance their experience [1] Group 2: Impact on Customers - The elderly client, Mr. Li, expressed deep appreciation for the personalized service, highlighting the emotional connection and satisfaction derived from the bank's efforts to meet their needs [1] - The initiative reflects ABC's broader strategy to make financial services more accessible and considerate, ensuring that they resonate with the needs of the community [1]

Core Viewpoint - The article highlights the importance of personalized customer service in the banking industry, exemplified by a compassionate interaction between a bank employee and an elderly customer, showcasing the bank's commitment to human-centered service [1] Group 1: Customer Interaction - A senior citizen visited Agricultural Bank's Jinan Guidede branch to make a fixed deposit transfer, displaying signs of nervousness and forgetfulness during the process [1] - The bank employee, Xiao Zhang, recognized the customer's distress and provided patient, step-by-step guidance in a simple dialect, ensuring the customer felt comfortable and understood [1] - After completing the transaction, Xiao Zhang wrote a note detailing the transfer amount, date, and expected arrival time, along with the branch's contact information for any future inquiries [1] Group 2: Service Philosophy - Agricultural Bank's Jinan Guidede branch adheres to a "customer first" service philosophy, emphasizing not only standardized processes but also humanistic care and personalized service [1] - Employees act as "temporary family members," providing warmth and understanding in their interactions, which reinforces the bank's commitment to "finance for the people" [1]

Group 1 - The state-owned large bank sector experienced a decline of 0.64% on September 29, with Postal Savings Bank leading the drop [1] - The Shanghai Composite Index closed at 3862.53, up 0.9%, while the Shenzhen Component Index closed at 13479.43, up 2.05% [1] - The trading performance of individual state-owned banks showed varied results, with Agricultural Bank of China remaining flat at 6.62, while Postal Savings Bank fell by 1.69% to 5.83 [1] Group 2 - The net capital outflow from the state-owned large bank sector amounted to 6.55 million yuan, with retail investors showing a net inflow of 24.4 million yuan [1] - The detailed capital flow for individual banks indicated significant outflows for Postal Savings Bank and China Construction Bank, while Agricultural Bank of China saw a minor net inflow from retail investors [2] - The data shows that Postal Savings Bank had a net outflow of 85.90 million yuan from institutional investors, while retail investors contributed a net inflow of 93.80 million yuan [2]

Core Points - The completion of the Huajiang Gorge Bridge marks a significant achievement in infrastructure, reducing travel time from 2 hours to 90 seconds and enhancing connectivity for local communities [1][2] - Agricultural Bank of China (ABC) Guizhou Branch played a crucial role in financing the project, providing over 4 billion yuan in syndicate loans [1] - The bank implemented a comprehensive service model combining project loans, settlement services, and fund supervision to ensure timely payments for construction and labor [1] Financial Support and Impact - ABC Guizhou Branch's support for the Huajiang Gorge Bridge is part of a broader strategy to enhance local economic development through increased credit investment in transportation infrastructure [2] - Since the start of the 14th Five-Year Plan, ABC Guizhou Branch has provided over 100 billion yuan in credit support for key national and provincial transportation projects [2]

Investment Rating - The report maintains a "Recommendation" rating for the industry [2] Core Insights - The total loan scale of 42 listed banks reached 184 trillion yuan by June 2025, with corporate loans accounting for 121 trillion yuan (65.74%) and retail loans at 63 trillion yuan (34.26%) [16][19] - The proportion of retail loans has decreased, with corporate loans providing the main incremental growth. Since 2020, the share of retail loans in total loans has dropped from 41.22% to 34.26%, while corporate loans increased from 58.78% to 65.74%, achieving a credit increment of 78% during this period [16][17] - The decline in retail loans is attributed to weak real estate and consumer demand, with personal housing loans decreasing from 20.18% to 14.11% and credit card loans from 4.96% to 3.39% from 2020 to June 2025 [17][18] - Corporate loans have shifted focus from real estate to broad infrastructure, with corporate real estate loans accounting for only 5% of total loans by June 2025, down from 1.39 percentage points since 2020. Broad infrastructure loans have increased by 5.20 percentage points [18] Summary by Sections Overall Credit Structure Changes - As of June 2025, the total loan scale of listed banks is 184 trillion yuan, with corporate loans at 121 trillion yuan (65.74%) and retail loans at 63 trillion yuan (34.26%) [16] - The shift in credit structure aligns with national strategic guidance and economic cycles, with corporate loans expanding at a much faster rate than retail loans [16][17] Changes in Retail Loan Structure - Personal housing loans and credit card loans have seen a decline in their proportions due to weak real estate and consumer demand [17] - The share of personal housing loans decreased from 20.18% to 14.11%, while credit card loans fell from 4.96% to 3.39% from 2020 to June 2025 [17] Changes in Corporate Loan Structure - Corporate loans have become the core focus for banks during the "14th Five-Year Plan" period, with a cautious approach to real estate lending [18] - The proportion of corporate real estate loans has decreased to 5%, while broad infrastructure loans have increased significantly [18]

9月25日，工商银行、农业银行、中国银行、建设银行、交通银行集体发布公告，宣布公司 章程修订获监管核准，自核准之日起不再设立监事会，由董事会审计委员会依法承接监事会 职权。 交通银行同样发布相关公告，自2025年9月25日起不再设立监事会，由董事会审计委员会行 使监事会相关职权。现任监事王学庆、苏治、林至红、丰冰、颇颖不再担任监事及监事会相 关职务。 邮储银行也于近日发布公告表示，监事长、股东代表监事陈跃军到龄辞任。该行2025年第二 次临时股东大会会议资料显示，拟不再设立监事会及下设专门委员会，自公司章程获国家金 融监督管理总局核准之日起生效。 据不完全统计，目前已有20逾家银行披露公司治理架构改革计划，有银行已宣布监事团队人 员调整。业内人士认为，银行裁撤监事会有助于提升银行治理效率、精简公司治理结构、权 责更加清晰，同时也要防范监督独立性风险。 五家国有银行集体官宣取消监事会 邮储银行监事长日前已辞任 9月25日，国有五大行集体发布公告，宣布公司章程修订获核准以及不再设立监事会，由董 事会审计委员会依法承接监事会职权。 工商银行公告称，近日收到《国家金融监督管理总局关于工商银行修改公司章程的批复》。 自 ...

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]