股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年9月30日 狀態: 新提交 FF301 致：香港交易及結算所有限公司 公司名稱: 中國工商銀行股份有限公司 呈交日期: 2025年9月30日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01398 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 86,794,044,550 | RMB | | 1 | RMB | | 86,794,044,550 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 86,794,044,550 | RMB | | 1 | RMB | | 86,794,044,5 ...

Group 1: Shareholding Increases - Recently, Nanjing Bank announced that BNP Paribas (QFII) increased its shareholding by 108 million shares, raising its total stake from 16.14% to 17.02% [1] - Since the beginning of the year, Nanjing Bank has seen multiple significant shareholders increase their stakes, with Zijin Trust raising its holding from 12.56% to 13.02% by acquiring 56.78 million shares [3] - Another major shareholder, Nanjing Gaoke, increased its stake from 8.94% to 9.00% by purchasing 7.51 million shares [3] Group 2: Bank Sector Trends - A total of 11 A-share listed banks have seen shareholding increases from shareholders or executives this year, indicating a trend where such plans are often announced when bank stock valuations are at historical lows [5] - The banking sector has been experiencing a "red envelope rain" with 17 banks announcing mid-term dividend plans for 2025, including significant contributions from the six major state-owned banks [6] - The six major state-owned banks have all provided dividend plans, with Industrial and Commercial Bank of China (ICBC) planning to distribute approximately 50.40 billion yuan in cash dividends [7][8] Group 3: Market Sentiment and Future Outlook - The banking sector is viewed favorably by institutions due to its low valuations and stable dividends, leading to increased interest from institutional investors [8] - As of September 29, over 300 investigations into listed banks have been conducted, with more than 2,000 institutional inquiries, highlighting the sector's attractiveness [8] - Analysts predict that the inflow of incremental funds will support the banking sector's performance, driven by the high dividend characteristics and significant index weight of bank stocks [8]

长沙晚报掌上长沙9月30日讯（全媒体记者 陈星源） 银行业江湖，谁是佼佼者？近日，中国银行业协会发布"2025 年中国银行业前100名单"，该榜单按照核心一级资本净额对商业银行进行排序，对前100家银行的经营规模、盈利 能力、运营效率和资产质量等进行综合评估。 数据显示，截至2024年末，名单中的100家银行核心一级资本净额合计23.37万亿元，同比增长8.10%，占商业银行 总量的95.09%。总资产合计342.15万亿元，同比增长7.42%。 记者浏览榜单注意到，榜单前十仍以国有大行和股份制银行为主，中国工商银行再次夺得第一。值得一提的是， 长沙银行、湖南银行两大湖南本土城商行表现亮眼，分列第34、59名，排名相较去年均实现提升。 国有六大行主导，核心资本占比近六成 根据榜单，2025年中国银行业100强包括6家大型商业银行、12家全国性股份制商业银行、56家城市商业银行、18 家农村商业银行、2家民营银行和6家外资法人银行。 大型商业银行在银行业中仍占据主导地位。6家大型商业银行核心一级资本净额达13.51万亿元，占100家银行的 57.80%。总资产合计199.68万亿元，资产质量保持稳定。 18家全 ...

Core Insights - The event "Focusing on Financial Empowerment to Promote the Development of Private Enterprises" was held by the Industrial and Commercial Bank of China (ICBC) Shanghai Branch, aiming to inject new momentum into the high-quality development of Shanghai's private economy through targeted financial services [1] - Individual businesses are recognized as the "capillaries" of the private economy, playing a crucial role in enhancing regional economic vitality [1] Customized Financial Products - ICBC Shanghai Branch launched the "2025 Exclusive Financial Service Plan for Individual Businesses," focusing on the entire lifecycle of individual business operations [3] - The service framework includes three main areas: "financing, wealth management, and value-added services," with specific initiatives in "product innovation, preferential interest rates, dedicated service guarantees, and embedded unique scenarios" [3] - The plan aims to create an integrated service loop for individual businesses encompassing "account opening, financing, settlement, and wealth management," achieving both operational security and wealth enhancement [3] Collaborative Mechanisms - A collaborative mechanism was established, including an "information sharing platform, policy implementation channels, and financial service teams" to provide efficient and convenient financial services [4] - The information sharing platform aims to create accurate credit profiles for individual businesses, addressing financing barriers caused by information asymmetry [4] - ICBC has formed 28 "Inclusive Youth Pioneer Teams" to provide dedicated customer managers directly in business areas, enhancing service efficiency and convenience for individual businesses [4] Integrity-Based Ecosystem - The "integrity-based ecosystem" initiative links the creditworthiness of individual businesses with financial services, encouraging merchants to prioritize credit building [5] - The "Financial Support to Stimulate Consumption Vitality Initiative" was launched, focusing on four directions: practicing integrity in business, enhancing credit data utilization, innovating credit consumption ecosystems, and optimizing convenient service scenarios [5] - This initiative aims to create a virtuous cycle where "integrity in business leads to financial support, financial support drives customer growth, and customer growth strengthens business confidence," thereby fostering a supportive environment for individual businesses and stimulating consumption in Shanghai [5] Future Directions - ICBC Shanghai Branch plans to continue integrating financial products with the operational scenarios of individual businesses, enhancing service capabilities, product innovation, and service efficiency [5] - The bank aims to contribute to the high-quality development of Shanghai's private economy and the creation of a world-class business environment [5]

Core Insights - The "14th Five-Year Plan" marks a significant milestone in China's ecological civilization and environmental protection efforts, transitioning from pollution control to comprehensive promotion of a beautiful China [2] - The Ministry of Ecology and Environment reported over 100 projects supported by financial institutions, with a total credit amount of 216.4 billion yuan and loans disbursed amounting to 76.4 billion yuan [2] - Green loans have seen substantial growth, with the balance increasing from 9.9 trillion yuan at the end of 2019 to 36.6 trillion yuan by the end of 2024, averaging an annual growth rate of over 20% [2] Green Finance Development - The six major state-owned banks play a leading role in green finance, with a total green loan balance of 23.8 trillion yuan as of June this year [3] - Industrial and Commercial Bank of China leads with over 6 trillion yuan in green loans, growing at a rate of 16.4% [3] - Agricultural Bank and China Construction Bank also report green loan balances exceeding 5 trillion yuan, with growth rates of 14.6% and 14.88% respectively [3] Policy and Demand Drivers - The rapid growth of green loans is attributed to policy support, demand from enterprises for low-carbon transformation, and increased supply of green financial products [3][7] - The banking sector views green finance as a core growth area, with ongoing innovation in green financial products [5][7] Innovations in Green Financial Products - Banks are actively launching differentiated green financial products, creating a complete ecosystem centered around green credit and green bonds [7] - The issuance and investment in green bonds are becoming significant methods for banks to support green development, with notable participation in the bond market [6][7] Challenges in Carbon Finance - The carbon quota pledge loan business faces challenges, including unclear legal definitions and compliance risks [8] - The lack of standardized carbon accounting and pricing mechanisms hampers banks' ability to assess carbon asset values [8][9] Recommendations for Carbon Market Support - Experts suggest enhancing carbon financial infrastructure, establishing clear legal attributes for carbon assets, and developing standardized carbon financial contracts [9] - Improving carbon emission data quality and establishing a comprehensive carbon data governance system are essential for banks to effectively engage in carbon finance [9]

由于日常运营资金压力骤然增大，康迪公司一度为资金问题担忧。工行雄安分行敏锐捕捉到企业的迫切 需求，迅速成立专项服务小组，第一时间进驻该公司生产一线，在深入评估其承接重要生产任务的履约 和还款能力后，为其量身定制信贷支持方案，开辟专项绿色通道。短短数日，1800万元的流动资金贷款 便成功获批并迅速投放到位。"能够为企业投放这笔贷款，我们深感荣幸，就好像我们也参与到阅兵典 礼筹备工作中。"工行客户经理谢珂道出了服务团队的心声。 1800万元流动资金及时注入后，公司采购原材料的资金瓶颈迅速打破，并更新部分老旧设备，关键生产 环节效率显著提升。交付前夕再次走进康迪公司的专用生产车间，所见皆是热火朝天的景象。工作人员 神情专注，一丝不苟地进行下料、塑型、打磨、喷涂、装配、质检等工序。"知道这些椅子要见证历 史，我们心里就有股劲儿。"一位正在仔细检查座椅承重结构的老工人说，"必须做到万无一失，这活儿 代表咱的脸面。" 一把把观礼座椅不只是康迪公司匠心品质的生动诠释，还是工行河北省分行扎根燕赵、服务国家战略的 印证。如今，该行正以更高站位、更强担当、更实举措，持续深化对区域建设的金融支持，为加快建设 经济强省、美丽河北贡献 ...

Core Insights - The "14th Five-Year Plan" marks a significant milestone in China's ecological civilization and environmental protection efforts, transitioning from pollution control to comprehensive promotion of a beautiful China [1] - The Ministry of Ecology and Environment reported over 100 projects supported by financial institutions, with a total credit amount of 216.4 billion yuan and loans issued amounting to 76.4 billion yuan [1] - Green loans have seen substantial growth, with the balance increasing from 9.9 trillion yuan at the end of 2019 to 36.6 trillion yuan by the end of 2024, averaging an annual growth rate of over 20% [1] Group 1: Green Finance Growth - Major commercial banks have reported rapid growth in green credit, outpacing average loan growth rates, with the six major state-owned banks holding a total green loan balance of 23.8 trillion yuan as of June [2] - Industrial and Commercial Bank of China leads with over 6 trillion yuan in green loans, growing at 16.4%, while Agricultural Bank and China Construction Bank also report significant increases [2] - The growth in green loans is driven by policy support, demand from enterprises for low-carbon transformation, and banks' focus on green finance as a core growth area [2][3] Group 2: Innovation in Green Financial Products - Banks are expanding their green financial product offerings beyond loans, including the issuance and investment in green bonds, which have seen steady growth [5] - In the first half of the year, several banks actively participated in the green bond market, with China Construction Bank underwriting green and sustainable bonds worth approximately 235.56 billion yuan [5] - The development of a complete ecosystem of green financial products, including green loans and bonds, enhances the efficiency of green capital allocation and supports enterprises in their low-carbon transitions [5] Group 3: Carbon Market Development - The central government has outlined a roadmap for the development of a national carbon market, emphasizing the role of financial institutions in enhancing market vitality [6] - Banks are exploring carbon quota pledge loan services to help enterprises leverage carbon assets, although they face challenges related to legal clarity and risk management [6][7] - Recommendations for improving the carbon market include establishing clear legal frameworks for carbon assets, developing standardized carbon financial contracts, and enhancing carbon data quality [7]

Core Viewpoint - The article highlights the evolution and success of the Industrial and Commercial Bank of China (ICBC) Jinan Daguan Garden Branch over 30 years, showcasing its innovative service model and commitment to customer satisfaction, which has set a benchmark in the financial industry [1][15]. Group 1: Service Innovation - The branch pioneered "smiling service" in 1994, transforming customer interactions and setting a new standard for the banking industry [2][3]. - The "two cents for ten thousand" story exemplifies the branch's commitment to customer service, leading to a significant increase in customer loyalty and deposits [2][3]. - Over ten years, the branch expanded its services beyond basic transactions to include pension distribution and utility bill payments, significantly increasing its deposit balance from over 100 million yuan in 1995 to nearly 3 billion yuan by 2005 [4]. Group 2: Brand Development - The branch developed a "three-feature" service system in 2008, enhancing its service offerings to meet diverse customer needs and achieving a customer satisfaction rate of over 99% [6][7]. - By 2013, the branch's deposits exceeded 6 billion yuan, and loans reached nearly 5 billion yuan, reflecting its strong brand presence in the Jinan financial sector [9]. Group 3: Technological Integration - In 2018, the branch launched the "three new" service initiatives, integrating technology with traditional banking services to enhance customer experience [10][11]. - The introduction of smart teller machines and personalized assistance for elderly and disabled customers exemplifies the branch's commitment to making technology accessible [10][11]. Group 4: Cultural and Community Engagement - The branch has integrated political and ideological work with brand building, establishing a "Party Member Service Pioneer Team" to promote financial literacy in the community [9][14]. - The branch's community initiatives, such as financial knowledge workshops and support for local businesses, have strengthened its reputation as a socially responsible institution [12]. Group 5: Future Directions - Looking ahead, the branch plans to deepen its "intelligent service" offerings, explore AI integration, and enhance green finance services to support regional economic transformation [15]. - The branch aims to evolve into a symbol of quality service and community support, striving towards becoming a century-old brand [15].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Dongguan Branch is actively promoting financial services tailored to the local context, focusing on five key initiatives to enhance financial support for the city's technological innovation and advanced manufacturing sectors [2][9]. Group 1: Financial Support for Technology Enterprises - ICBC Dongguan Branch has established a manufacturing center and a specialized technology branch to address financing challenges faced by local tech enterprises, employing professionals with engineering backgrounds to provide comprehensive "financing + intelligence" services [3]. - In the first half of the year, the bank issued over 20 billion yuan in loans to technology enterprises, with a total loan balance exceeding 47 billion yuan, and loans to specialized and innovative enterprises exceeding 5 billion yuan, all showing an increase of over 10% since the beginning of the year [3]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has implemented a dual-driven model combining on-site visits by account managers and big data analytics to accurately assess the financing needs of small and micro enterprises [4]. - As of mid-year, the bank's inclusive loan balance exceeded 64 billion yuan, serving 28,000 small and micro clients, and has provided over 2 billion yuan in no-repayment loans to manufacturing clients [5]. Group 3: Green Finance Initiatives - ICBC Dongguan Branch is actively involved in establishing financial standards for the green transformation of the manufacturing sector, contributing to the development of a quantifiable low-carbon transition assessment system [6]. - In the first half of the year, the bank issued over 30 billion yuan in green loans, which accounted for more than half of the total corporate loan issuance, covering key areas such as wastewater treatment and photovoltaic power generation [6]. Group 4: Pension Finance Services - The bank is building a comprehensive pension finance ecosystem to address the challenges of an aging population, offering a wide range of products and services, including dedicated savings accounts and pension funds [7]. - The bank has provided convenient one-stop account opening services and has reached over 30,000 elderly individuals through community financial education activities this year [7]. Group 5: Digital Finance Transformation - Digital transformation is a core driver of high-quality development for ICBC Dongguan Branch, achieving a significant reduction in housing loan approval times from an average of three days to 30 minutes through direct integration with the local housing fund system [8]. - The bank has developed various digital platforms and tools, enhancing operational efficiency and customer service, including a real-time monitoring platform for educational funding and an API service for 318 partner units [8].

Core Insights - The article highlights the proactive role of the Industrial and Commercial Bank of China (ICBC) Shenzhen Branch in supporting technology-driven enterprises, emphasizing its commitment to inclusive finance and innovation in financial services [1][9]. Group 1: Mechanism and Policy - ICBC Shenzhen Branch integrates into local government networks for small and micro financing, facilitating efficient financing services through initiatives like "thousand enterprises and ten thousand households visits" [2]. - The bank recognizes the challenges faced by small and micro technology enterprises, particularly in funding shortages, and elevates the service to a strategic level to ensure precise implementation of inclusive finance policies [1][2]. Group 2: Product Innovation - The bank has developed a range of tailored financial products, including "Park e-loan" and "Xingke loan," to meet the unique needs of technology enterprises characterized by light assets and high growth [3][4]. - A specific case is highlighted where a technology company benefited from a 10 million yuan loan through the "Park e-loan" product, showcasing the bank's efficiency in addressing short-term funding pressures [3]. Group 3: Digital Empowerment - ICBC Shenzhen Branch focuses on digital transformation to enhance the efficiency and experience of inclusive financial services, employing AI and other technologies to streamline processes [4][5]. - The bank has implemented a unified intelligent marketing portal, significantly reducing the time required for loan approvals and enhancing service delivery for over 3,000 small enterprises [5]. Group 4: Long-term Partnership - The bank emphasizes a long-term partnership approach, illustrated by its ongoing support for a technology company since 2010, which has led to significant growth and recognition as a national-level "little giant" enterprise [7]. - The bank's commitment to supporting rural revitalization is also noted, with specific initiatives aimed at enhancing agricultural innovation and market expansion [8]. Group 5: Future Outlook - Looking ahead, ICBC Shenzhen Branch aims to deepen its integration into the national innovation system, continuously enriching its inclusive finance offerings and expanding its service boundaries to foster technological innovation in the Greater Bay Area [9].