江南时报讯 "真是太谢谢你们了，不然我都不知道该怎么给老伴凑医药费！"近日，工行南通分行营业 部大厅内，年过七旬的张奶奶握着运营主管和客服经理的手连连道谢，对网点工作人员主动上门服务、 高效解决取款难题的暖心举动赞不绝口。 随后，工作人员跟随张奶奶前往家中，现场核实持卡人身份信息、业务意愿及相关证明材料，快速完成 核保手续。返回网点后，立即为张奶奶办理密码重置业务，顺利取出所需款项。全程高效便捷的服务、 耐心细致的态度，让张奶奶深受感动，多次向工作人员表达谢意。 民生无小事，服务暖人心。该行始终秉持"以客户为中心"的服务理念，针对老年客户、行动不便客户等 特殊群体的需求，不断优化服务流程、创新服务方式，通过上门服务、绿色通道等便民举措，切实解决 客户急难愁盼问题，用实际行动践行金融企业的责任与担当，让金融服务更有温度、更具质感。 当天上午，张奶奶匆匆来到该行，要求取出老伴银行卡内的资金，用于支付急需的医疗费用。经客服经 理询问得知，张奶奶忘记了银行卡密码，且坚持认为可通过手机号直接取款。工作人员耐心向老人解释 取款业务规范，同时协助回忆密码，然而张奶奶从包中翻出记录密码的纸条后，连续三次输入均提示错 误，银行 ...

指尖划过键盘，发出清脆的声响。窗外梧桐叶已黄了三次，而我在工商银行的柜台，也悄然完成了一轮 寒暑交替。在柜台与大堂之间穿梭流转的一年多，仿佛像一部快进的电影，每一帧都写满了与客户相遇 的故事。从现金柜台的严谨细致，到对公柜台的专业担当，再到大堂经理的统筹协调，这三重角色的历 练，让我对"服务"二字的理解，从一张白纸变得立体而丰盈：真正的服务，从来不只是流程的精准执 行，而是在方寸之间的柜台上，读懂人心的温度。 一年多的时光，白驹过隙，但我对服务的求索之路才刚刚开始。每一次真诚的服务，都可能成为别人困 境中的一束光；而每一次专业的付出，都在为这座金融大厦添砖加瓦。每日的工作不是冰冷的交易，而 是有温度的连接。我愿继续做这样一个连接者——在方寸之间，传递工行温度，在日复一日的迎来送往 中，既做规则的守护者，更做温暖的传递者。 记得第一次坐上现金柜台时，我把所有注意力都放在"不要出错"上，存取款凭证需客户亲笔签名，大额 现金必须双人复核。这些规则像无形的栅栏，把我牢牢圈在安全区内。直到一个午后，一位老人攥着存 折来取款，我按流程提醒他输入密码，他却窘迫地说："姑娘，我记不清了。"看着他泛红的耳根和微微 颤抖的手，我 ...

该行大堂经理迅速反应，上前安慰该客户，并明确表示一定会帮助她完成兑换。随后，大堂经理与柜台 工作人员快速联动，分工合作，高效完成了3000余枚硬币的清点和兑换工作。整个过程井然有序，客户 的担忧也随之烟消云散。 该行始终秉承"以客户为中心"的服务理念，用实际行动诠释了工商银行的责任与担当。此次事件不仅展 现了支行员工的专业素养和团队协作能力，也进一步提升了客户对工商银行的信任和满意度。未来，该 行将继续以优质的服务回馈社会，为客户提供更加便捷、贴心的金融服务。 客户对该行工作人员的高效服务和贴心关怀表示由衷的感谢。在等待兑换的过程中，网点工作人员还主 动向该客户普及了相关的金融知识，包括如何识别真假币、如何安全保管现金等实用内容。同时，工作 人员还向她介绍了当前银行的存款理财业务，帮助她更好地管理个人财务。该客户对网点的服务表示非 常感激，并连连称赞："没想到银行的服务这么贴心，真的解决了我的大问题！"该客户表示，这次经历 让她感受到了工行的专业和温暖，也更加坚定了她对工行的信任。 江南时报讯 近日，南通临江支行迎来了一位特殊的客户，客户因工作需要携带大量硬币来到网点，希 望能够兑换成纸币。陆女士是某超市的工 ...

在工作人员的配合劝说下，客户最终接受了存款建议。离开时，王先生对网点的处理方式表示满意。与 此同时，大堂经理也妥善安抚了李女士，厅堂秩序恢复正常。 大堂经理、运营主管发现情况后，立即上前劝解，将双方隔开。运营主管将情绪更为激动的客户引导至 相对安静的理财室，耐心倾听其抱怨，大堂经理则安抚另一客户，为其递上茶水，并就等候不便致以歉 意。 业务繁忙时，厅堂间避免不了客户的抱怨，作为厅堂服务人员，要快速响应，针对不同客户的情绪状态 采取个性化的安抚策略，防止事态升级。要分工协作，通过团队联动做好应急处理，强化与客户的沟 通，挖掘并满足客户的深层金融需求，实现危机下优质服务的营销。 江南时报讯 一日业务高峰时段，工行南通港闸支行营业室客户等候区一客户因等候时间较长，显得焦 躁不安，其接听电话时音量过大，引起了邻座客户的不满。双方由言语摩擦迅速升级为激烈争吵，场面 一度混乱。 在理财室内，运营主管在倾听王先生倾诉的过程中，了解到其今日前来本意是办理一笔十万元到期存单 的转存业务，但因久候及争执，对网点服务深感失望，已决定取款后将资金转至他行。运营主管先对王 先生的感受表示充分理解，并诚恳解释了高峰时段客流增大的客观情况 ...

Core Insights - The digital transformation of China's banking industry is entering a "deep water zone" by 2025, characterized by market expansion, technological upgrades, and intensified competition [1] - The IT investment in the banking sector is projected to reach 169.315 billion yuan in 2024, with a growth rate of 3.6%, and is expected to exceed 266.2 billion yuan by 2028 [1] - The digital bidding landscape shows that successful digitalization in banking relies not only on investment scale but also on precise alignment with the bank's positioning and strategic partnerships [1] Investment Trends - In 2024, the six major state-owned commercial banks are expected to invest a total of 125.459 billion yuan in fintech, accounting for 52% of the total banking sector investment [2] - By 2025, the banking sector's fintech investment is anticipated to reach 333.85 billion yuan, representing a 38% increase from 2024 [2] Bank Types and Investment Focus - State-owned banks are leading in digital investment, with major banks like ICBC planning to invest 285.18 billion yuan in fintech in 2024, while smaller banks are focusing on localized services and specific pain points [3][5] - The investment focus for state-owned banks includes large model development, data platforms, and intelligent risk control systems [3] - Regional banks are prioritizing local economic services and optimizing processes for small and medium enterprises, with some banks investing over 6% of their revenue in technology [5] Digital Bidding Characteristics - The digital bidding projects are categorized into four main tracks: risk management, compliance control, data services, and technology platforms, each with varying technical requirements and budget allocations [7][8] - Risk management projects are rated the highest in complexity, requiring a deep understanding of financial logic and AI technology [7] - Compliance control projects are driven by regulatory requirements and have a high degree of standardization, making them easier to replicate [7] Competitive Landscape - A dual-competitive landscape is emerging between bank technology subsidiaries, which excel in understanding financial regulations, and internet technology companies, which leverage general technology capabilities [10][11] - The collaboration between bank technology subsidiaries and internet technology companies is becoming a mainstream approach, combining business understanding with technological innovation [17] Future Outlook - The investment landscape is expected to become more differentiated, with large banks focusing on systematic construction while smaller banks target essential local needs [18] - The emphasis will shift towards practical technologies that address compliance issues and enhance operational efficiency, with a growing trend of collaboration between different types of technology providers [18]

Core Viewpoint - The major state-owned banks in China have announced their mid-term cash dividends for 2025, with the distribution date set for December 15, which is nearly a month earlier than last year [1][2]. Group 1: Dividend Announcements - Industrial and Commercial Bank of China (ICBC) will distribute a total dividend of 50.396 billion yuan, with 38.123 billion yuan allocated for A-shares [1]. - Agricultural Bank of China (ABC) will distribute a total dividend of 41.823 billion yuan, with 38.150 billion yuan for A-shares [1]. - Bank of China (BOC) will distribute a total dividend of 35.250 billion yuan, with 26.102 billion yuan for A-shares [1]. - China Construction Bank (CCB) will distribute a total dividend of 48.605 billion yuan, with 3.936 billion yuan for A-shares [1]. - The dividends for the other two state-owned banks, Bank of Communications and Postal Savings Bank, are set at 1.563 yuan and 1.230 yuan per 10 shares, respectively [1]. Group 2: Market Performance and Trends - As of December 9, the A-shares of the six major state-owned banks showed mixed performance, with Agricultural Bank leading with a 2.55% increase [2]. - A total of 24 out of 42 listed banks in A-shares have announced mid-term dividends, surpassing the 23 banks from the same period in 2024 [3]. - The banking sector has been viewed as a "yield asset" due to its low volatility and stable dividends, attracting many investors seeking steady cash returns [3]. - Since the introduction of the new "National Nine Articles" on April 12, 2024, the banking index has increased by 30.34%, ranking 12th among 31 industry indices, providing investors with both capital appreciation and stable dividends [3]. - The chief economist of Qianhai Kaiyuan Fund anticipates a more pronounced trend in mid-term dividends from banks, with the possibility of more banks joining the dividend distribution [3].

Core Viewpoint - Major Chinese banks are set to distribute significant cash dividends, with a total of approximately 762 billion yuan to be paid out by Industrial and Agricultural Banks on December 15, 2025, reflecting a robust trend in mid-term dividend announcements among listed banks [1][2]. Group 1: Dividend Announcements - As of now, 32 listed banks have announced plans for mid-term dividends, an increase of 8 banks compared to 2024, with 9 banks planning to implement dividends for the first time [3]. - The average dividend payout ratio among the 26 banks that have disclosed specific profit distribution plans is 24.9%, with a total dividend amount of 2,645.66 billion yuan, representing a 2.55% increase from the previous year [3][4]. - The Industrial Bank will distribute a cash dividend of 0.1414 yuan per share, totaling approximately 503.96 billion yuan, while the Agricultural Bank will distribute 0.1195 yuan per share, totaling around 418.23 billion yuan [2]. Group 2: Dividend Timing and Trends - The mid-term dividend distribution by major state-owned banks has accelerated this year, with announcements made nearly a month earlier than the same period last year [2][4]. - A total of 18 listed banks have disclosed their dividend payment dates, with many A-shares and H-shares scheduled for earlier payouts compared to the previous year [3]. - The average dividend yield for listed banks is currently 4.48%, with 12 banks yielding over 5% and 26 banks yielding over 4% [4]. Group 3: Shareholder and Executive Buybacks - There have been 15 buyback plans disclosed by 13 banks this year, indicating strong confidence from major shareholders and executives in the banks' strategic planning and long-term investment value [6][7]. - Notable buybacks include significant purchases by shareholders of Chengdu Bank and Nanjing Bank, with the latter seeing an increase in foreign investment from BNP Paribas [6][7][8]. - The banking sector has attracted approximately 90.3 billion yuan in net buybacks from shareholders and executives, ranking first among 31 industries [7][8].

Core Viewpoint - Major state-owned banks in China are set to distribute significant cash dividends, reflecting a robust financial performance and a commitment to returning value to shareholders [1][3][6]. Group 1: Dividend Announcements - Industrial and Commercial Bank of China (ICBC) and Agricultural Bank of China (ABC) will distribute approximately 762 billion yuan in cash dividends to A-share shareholders on December 15 [1][3]. - ICBC's cash dividend per share is set at 0.1414 yuan, totaling around 503.96 billion yuan, while ABC will distribute 0.1195 yuan per share, amounting to approximately 418.23 billion yuan [3]. - A total of 32 listed banks have announced plans for mid-term dividends this year, an increase of 8 banks compared to 2024, with an average dividend payout ratio of 24.9% and a total dividend amount of 2,645.66 billion yuan, up 2.55% from last year [6][8]. Group 2: Market Trends and Insights - The mid-term dividend distribution by major banks has accelerated this year, with four major state-owned banks announcing their plans earlier than last year [3][6]. - The average dividend yield for listed banks is currently 4.48%, with 12 banks yielding over 5% [7]. - Analysts suggest that the increase in dividend announcements and stable payout ratios indicate a strong dividend value in the banking sector, which may attract long-term capital [6][8]. Group 3: Shareholder and Executive Actions - There have been 15 share buyback plans disclosed by 13 banks this year, indicating confidence from major shareholders and executives in the banks' future prospects [10][12]. - Notable buybacks include significant purchases by major shareholders of Chengdu Bank and Nanjing Bank, reflecting a positive outlook on the banks' strategic plans and long-term investment value [10][11]. - The banking sector has seen a net increase in share buybacks amounting to approximately 90.30 billion yuan, ranking first among 31 industries [12].

Core Viewpoint - The article highlights the upcoming cash dividend distributions by major Chinese banks, indicating a trend of increased mid-term dividends and a positive outlook for the banking sector's investment value [1][3][6]. Group 1: Dividend Announcements - Industrial and Commercial Bank of China (ICBC) and Agricultural Bank of China (ABC) will distribute approximately 762 billion yuan in cash dividends to A-share shareholders on December 15 [1][3]. - A total of 32 listed banks have announced plans for mid-term dividends this year, an increase of 8 banks compared to 2024, with 9 banks planning to distribute dividends for the first time [6][8]. - The average dividend payout ratio among the 26 banks that have announced specific profit distribution plans is 24.9%, with a total dividend amount of 264.57 billion yuan, reflecting a 2.55% increase from last year [6][7]. Group 2: Specific Bank Dividends - ICBC's mid-term profit distribution plan includes a cash dividend of 0.1414 yuan per share, totaling approximately 50.396 billion yuan, with 38.123 billion yuan allocated for A-shares [3][6]. - ABC will distribute a cash dividend of 0.1195 yuan per share, amounting to about 41.823 billion yuan, with 38.15 billion yuan for A-shares [3][6]. - Other major banks like China Bank and China Construction Bank have also announced their mid-term dividends, with China Bank distributing 0.1094 yuan per share and China Construction Bank distributing 0.1858 yuan per share [3][6]. Group 3: Market Trends and Investor Sentiment - The trend of increased mid-term dividends and earlier distribution dates reflects a robust dividend value in the banking sector, attracting long-term capital [6][10]. - The average dividend yield for listed banks is currently 4.48%, with 12 banks yielding over 5% [7][10]. - There has been a notable increase in share buyback plans by bank executives and major shareholders, indicating confidence in the banks' strategic planning and long-term investment value [10][12].

Market Overview - The Shanghai Composite Index fell by 0.37% on December 9, with five industries rising, led by the comprehensive and communication sectors, which increased by 3.45% and 2.23% respectively. The industries that declined the most were non-ferrous metals and steel, down by 3.03% and 2.47% respectively [2]. Capital Flow - The main capital flow showed a net outflow of 52.992 billion yuan across the two markets, with only three industries experiencing net inflows. The retail trade sector saw a net inflow of 1.143 billion yuan, the comprehensive sector had a net inflow of 432 million yuan, and the banking sector had a net inflow of 70.5787 million yuan [2]. Banking Sector Performance - The banking sector experienced a slight decline of 0.06%, with a total of 42 stocks in the sector. Out of these, 9 stocks rose while 31 stocks fell. The net inflow of capital into the banking sector was 70.5787 million yuan, with 16 stocks showing net inflows, five of which had inflows exceeding 50 million yuan [3]. Top Banking Stocks - Agricultural Bank of China led the net inflow with 243 million yuan, followed by Hangzhou Bank and Industrial and Commercial Bank of China with net inflows of 101 million yuan and 81.9654 million yuan respectively. The stocks with the highest net outflows included Ping An Bank, Minsheng Bank, and China Merchants Bank, with outflows of 125 million yuan, 97.4607 million yuan, and 87.5017 million yuan respectively [3][4]. Detailed Stock Performance - The following table summarizes the performance of key banking stocks: - Agricultural Bank: +2.55%, 24.30783 million yuan inflow - Hangzhou Bank: -0.06%, 10.12805 million yuan inflow - Industrial and Commercial Bank: +1.38%, 8.19654 million yuan inflow - Ping An Bank: -0.78%, 124.566 million yuan outflow - Minsheng Bank: -0.75%, 97.4607 million yuan outflow - China Merchants Bank: -0.32%, 87.5017 million yuan outflow [3][4].