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。 AGRICULTURAL BANK OF CHINA LIMITED 1288 董事會決議公告 議案表決情況：有效表決票15票，同意15票，反對0票，棄權0票。 本議案尚需提交本行股東會審議通過。 2. 聘任王志恒先生兼任中國農業銀行股份有限公司首席合規官 王志恒先生與審議事項存在利害關係，迴避表決。 議案表決情況：有效表決票14票，同意14票，反對0票，棄權0票。 本議案已經本行董事會提名與薪酬委員會審議通過，同意聘任王志恒先生兼任本行 首席合規官。 中國農業銀行股份有限公司（「本行」）董事會（「董事會」）於2026年1月26日以書面形式發出 會議通知，於2026年2月13日在北京以現場方式召開會議（「會議」）。會議應出席董事15 名，親自出席董事1 5名。會議召開符合法律法規、《中國農業銀行股份有限公司章 程》（「本行章程」）及《中國農業銀行股份有限公司董事會議事規則》的規定。 會議由谷澍董事長主持 ...

Core Viewpoint - Agricultural Bank of China Gansu Branch demonstrates resilience and commitment to serving the community during natural disasters, emphasizing the importance of financial services in times of crisis [2][7]. Group 1: Emergency Response and Community Support - Following the earthquake in Jishishan and Diebu, the bank activated an emergency response, ensuring the flow of financial services in disaster areas by increasing cash reserves and deploying mobile service vehicles [2][7]. - The bank's employees formed volunteer teams to assist in logistics and provide financial policy consultations, helping affected clients understand relief measures such as loan extensions and interest rate discounts [2][7]. Group 2: Elderly Care and Inclusive Services - The bank's focus on elderly clients is evident in its provision of senior-friendly services, including specially designed seating and priority systems for older customers [3][8]. - Initiatives include creating dedicated service records for elderly clients and offering home visits for personalized financial consultations, enhancing their financial literacy and social recognition [3][9]. Group 3: Rural Financial Inclusion - The bank has established 64 rural service stations, continuously expanding to connect with local government and community organizations, thereby facilitating access to essential financial services for rural populations [4][10]. - The use of technology, such as RPA for monitoring customer wait times, has significantly reduced average wait times, improving customer satisfaction and allowing staff to focus on personalized services [5][10]. Group 4: Overall Commitment to Service - The bank's efforts extend beyond disaster response to everyday services, reinforcing its role as a trusted partner for the community and contributing to the broader goal of financial security and modernization in China [5][11].

编者按 闽宁协作是习近平总书记亲自开创、亲自部署、亲自推动的重大战略和创新实践。今年是闽宁协作30年，为展现 福建与宁夏从对口帮扶到高质量发展的生动实践和伟大成就，讲述闽宁协作山海深情的动人故事，央视网特设"聚 焦闽宁协作三十年"栏目，探究在闽宁协作中呈现的"超越帮扶、走向融合"的中国式现代化"协作样本"。 贺兰山下，春意初萌，宁夏永宁县闽宁镇产业园内已是生机一片。在广袤的温棚园区里，福红李挂满枝头，芹菜 鲜嫩翠绿，电商直播间里"闽宁巧媳妇"们热情推介着特色农产品……一幅产业兴旺、生态宜居、百姓富足的乡村 振兴画面呈现在我们面前。 闽宁镇是唯一以两省简称命名的小镇，也是中央创建的东西部协作对口扶贫"示范区"。今年是闽宁协作30周年， 三十年来，在闽宁镇从昔日的"干沙滩"蝶变为今日的"金沙滩"的历程中，中国农业银行以金融之力深度融入闽宁 协作大局，持续为产业培育、科技兴农、电商扶贫注入"源头活水"，助力昔日受援地实现从"输血"到"造血"、再 到"反向输出"的历史性跨越。 金融助力科技兴农 在闽宁镇园艺村的温室大棚中，永宁县科技特派员马雅玲的6个试验棚被誉为"品质炼金室"。1994年，她跟随父母 从宁夏西吉县自发 ...

Core Viewpoint - The article highlights the trend of A-share listed companies implementing cash dividends ahead of the Spring Festival, indicating a shift towards a "return-focused" market environment driven by regulatory policies and improved corporate governance [2][6]. Group 1: Cash Dividends Overview - As of February 11, 57 A-share listed companies have implemented cash dividends totaling 409.11 billion yuan since February [2]. - Notable companies such as Changjiang Electric Power and Darentang have announced significant cash dividends, with Changjiang Electric Power distributing over 51 billion yuan [3][4]. - From December 1, 2025, to February 11, 2026, 289 A-share companies have distributed cash dividends amounting to 3,896.83 billion yuan, reflecting a year-on-year growth of approximately 13% [4]. Group 2: Industry Insights - The financial and consumer sectors continue to dominate cash dividends, with banks accounting for 8 out of the top 10 companies by total dividend amount [4]. - The total cash dividends from 19 listed banks reached 2,627.34 billion yuan, representing 67% of the total dividends during the specified period [4]. - In the food and beverage sector, 23 listed companies have distributed cash dividends totaling 494.84 billion yuan, with leading firms like Kweichow Moutai and Wuliangye contributing significantly [5]. Group 3: Regulatory Influence - Recent policies, including the new "National Nine Articles," have emphasized the importance of cash dividends, encouraging companies to enhance dividend stability and predictability [6][7]. - The China Securities Regulatory Commission has advocated for multiple dividends per year and pre-dividend announcements to improve investor returns [6]. - The Shanghai and Shenzhen Stock Exchanges are promoting initiatives to enhance cash dividend policies and increase the frequency of cash distributions [7].

近日，农业银行积极响应商务部等9单位联合印发的《2026"乐购新春"春节特别活动方案》，以"骏马送 锦礼 哇宝贺新春"为主题，围绕"好吃、好住、好行、好游、好购、好玩"六大春节消费场景，通过立 减、返现、积分兑换、分期免息等多种活动，全方位覆盖群众新春消费需求，构建"全域覆盖、全民乐 享、全程便捷"新春消费服务生态，助力消费市场暖意涌动。 聚焦"好吃"场景，唤醒团圆烟火气息 发力"好游"场景，解锁新春出游乐趣 结合"新春冰雪+避寒旅游"热点，农业银行联动携程旅行及景区周边商户，推出"暖心冬日游"专项出游 优惠。农业银行信用卡持卡人预订指定景区门票、酒店至高立减15元，指定旅游路线至高立减50元；在 景区周边商户到店买单至高优惠35元，让更多群众畅游山河、共享优惠。 结合人民群众新春焕新需求，农业银行联合京东、抖音等电商平台推出"以旧换新"专区，可叠加政府补 贴及农业银行额外优惠；客户消费达标后可参与月月返现抽奖，至高获300元刷卡金，助力加速释放消 费潜力。 聚焦"好行"场景，护航新春便捷归途 农业银行联动中石油、中石化及东方航空、海南航空、春秋航空等重点商户，推出全方位出行优惠。活 动期间，农业银行信用卡持 ...

Core Insights - The mobile banking app industry in China is transitioning into a stock operation phase, with user behavior shifting towards efficient, purpose-driven usage rather than prolonged browsing [1][7][9] - AI and ecosystem integration are driving a transformation in service delivery, enhancing user experience and security [2][11] - Regulatory frameworks are tightening, emphasizing compliance and innovation, with new policies guiding the industry towards value creation [3][14] - Competitive dynamics are increasingly influenced by ecosystem capabilities and regional strengths, with state-owned banks leading the market [4][16] Market Overview - The user base for mobile banking apps is stabilizing, with monthly active users (MAU) projected to fluctuate between 648 million and 739 million from 2023 to 2025, reaching a peak by December 2025 [7] - The overall market is moving from rapid expansion to a focus on enhancing existing user engagement [7] User Behavior Trends - User engagement metrics show a slight decline in daily usage frequency, with average daily sessions dropping from approximately 4.5 times in 2023 to around 3.3 times in early 2024, stabilizing thereafter [9] - Effective usage time is also decreasing, indicating a shift from passive browsing to targeted, functional use [9] Technological Trends - By 2025, mobile banking technology will focus on deep AI integration and ecosystem-level enhancements, moving beyond simple feature improvements [11] Regulatory Environment - The regulatory landscape is evolving, with a focus on compliance and user rights protection, driven by the implementation of new policies [14] Competitive Landscape - The competitive environment is characterized by significant differentiation, with state-owned banks leveraging their extensive ecosystems, while regional banks focus on localized growth [4][16] User Demographics - The core user demographic consists predominantly of males (56.7%) and younger users under 40 years old (63.3%), with a significant portion being married and having children [6][45][47] - Users from new first-tier and lower-tier cities account for over 90% of active users, highlighting the importance of these markets for future growth [48] Top Mobile Banking Apps - Agricultural Bank of China leads with an average MAU of 249 million, followed by Industrial and Commercial Bank of China with 194 million, and China Construction Bank with 109 million [18][19] - Among joint-stock banks, China Merchants Bank leads with 71.85 million MAU, while Ping An Bank and CITIC Bank follow closely [20][22] Case Studies of Leading Banks - Agricultural Bank of China is enhancing user experience through its mobile app, aiming for over 270 million MAU by the end of 2025 [30] - Industrial and Commercial Bank of China focuses on smart financial services, improving user engagement through various innovative features [33] - Postal Savings Bank of China aims to evolve its app into a companion service, enhancing user interaction and experience [35] - China Merchants Bank emphasizes wealth management and digital loan services, integrating financial services into daily life [37] - Ping An Bank is enhancing its app with AI-driven insights and personalized services [39] - Beijing Bank is focusing on a comprehensive wealth management system and improved user experience through its app [41]

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：601399 证券简称：国机重装 公告编号：2026-009 国机重型装备集团股份有限公司 关于持股5%以上股东及其一致行动人减持股份计划公告 本公司董事会、全体董事及相关股东保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏， 并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： ● 大股东持股的基本情况 国机重型装备集团股份有限公司（以下简称"公司"）股东中国农业银行股份有限公司四川省分行（以下 简称"农行四川省分行"）持有公司股份450,282,826股，占公司总股本的6.24%，中国农业银行股份有限 公司江苏省分行（以下简称"农行江苏省分行"）持有公司股份9,571,031股，占公司总股本的0.13%。农 行四川省分行、农行江苏省分行同属于中国农业银行股份有限公司辖属分支机构，构成一致行动人，合 计持有公司股份459,853,857股，占公司总股本的6.37%。 上述股份来源均为公司重新上市前股份，且已于2021年6月8日全部解除限售并上市流通。 若在减持计划实施期间公司发生送股、资本公积金转增股本、配股等股份变动事项，减持 ...

活动采取"发放宣传折页+现场讲解+节日礼品派发"的形式,融入春节民俗元素,累计覆盖消费者500余人 次,发放宣传折页200余份,送出定制春联80副,取得了良好的社会反响。现场讲解重点围绕"防范电信诈 骗""理性消费理财""安全用卡"三大主题展开,结合"虚假刷单骗局""冒充亲友借钱""银行卡外借出租"等 典型案例,帮助消费者识别风险、规避陷阱。 为响应春节期间公众金融知识需求,提升消费者风险防范意识,农行德州开发区支行在澳德乐商场开展"守 好钱袋子 过个安心年"主题教育宣传活动。 活动还通过发放节日春联,将知识普及与节日祝福相结合,吸引了中老年群体积极参与；通过走访入驻商 户并赠送定制文具,带动了年轻人加入互动。活动中,超过70%的参与者表示对"钓鱼短信识别技巧""谨防 投资养老诈骗"等内容有了更深入的认识。 本次活动以"节日+金融"的创新形式,实现了知识普及与公众参与的双赢。下一步,农行德州开发区支行将 继续探索"接地气、易传播"的宣传模式,为筑牢全民金融安全防线贡献力量! (宋康) ...

值此2026新春佳节来临之际,为传承中华优秀传统文化、筑牢金融安全防线,近日,农行德州分行携手德州 老年大学、德州新华书店,共同举办新春送福联暨金融消费者教育活动。 本次活动以"文化传福+金融护民"为核心,打造特色惠民服务场景。现场邀请德州老年大学书法爱好者挥 毫泼墨,书写"马踏祥云驮福至,春融农行护平安"等寓意吉祥的春联与福字,将墨香年味与新春美好祝福送 到市民手中；农行德州分行工作人员同步开展金融知识普及,通过发放宣传折页、面对面答疑、拆解典 型案例等形式,向市民重点讲解反诈技巧、个人信息保护、理性投资等核心知识,把专业金融安全内容融 入喜庆的节日氛围,让市民在迎新春的同时,提升金融风险防范意识。 活动现场人气高涨、氛围热烈,累计为市民送出福联50余副、金融知识宣传折页80余份,得到现场群众的 广泛点赞与认可。此次活动创新金融服务与文化传播融合模式,既让市民收获满满的"文化获得感",更筑 牢节日金融安全"防护墙",提升公众"金融安全感",进一步拓宽了金融服务的触达渠道与服务温度。 未来,农行德州分行将持续坚守"金融为民"理念,把传统文化传播与金融消费者权益保护工作深度结合,以 更接地气、更暖人心的服务举措 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report analyzes 132 regional banks in the Sichuan-Chongqing area, highlighting the growth and structural changes in the banking sector [6][27] - The asset growth rates of major city commercial banks in the region are higher than those of listed city commercial banks, indicating a robust expansion [38] - Profitability metrics show that city commercial banks in the region have lower ROE compared to listed banks, while rural commercial banks outperform them [6][27] - Asset quality is slightly weaker in regional banks compared to listed banks, with higher non-performing loan ratios [6][27] Summary by Sections Economic Structure Analysis - Sichuan province is positioned as a key driver for western development, with a focus on enhancing the Chengdu-Chongqing economic circle [13][14] - In 2025, Chengdu's GDP is projected to account for 38.7% of the province's total, with significant growth in various sectors [15] Banking Sector Overview - The Sichuan-Chongqing region has 132 commercial banks, including 14 city commercial banks, 65 rural banks, and 51 rural commercial banks [27] - The asset growth rates for major city commercial banks in the region are 15.6% and 18.2%, surpassing the 14.2% growth of listed city commercial banks [38] Asset and Liability Structure - The proportion of loans to total assets has been increasing since 2016, with city commercial banks in Sichuan projected to have a loan ratio of 56.1% by 2024 [38][40] - The financial investment ratio for city commercial banks is on a downward trend, with a slight recovery noted in the first half of 2025 [40][46] Profitability and Asset Quality - The average ROE for city commercial banks in the region is 10.97%, lower than the 11.99% average for listed city commercial banks [6][27] - Non-performing loan ratios for city commercial banks in the region are higher than those of listed banks, indicating potential asset quality concerns [6][27] Capital Adequacy - Capital adequacy ratios for regional banks are comparable to those of listed banks, providing a safety margin for operations [6][27]