工商银行 11月3日发布公告称，受宏观政策影响，根据本行风险管理要求， 自2025年11月3日起，暂 停受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请 ，存量客户处于有 效期内的定期积存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关注后续公告。 同日， 建设银行 也发布关于暂停受理易存金等业务的公告，受市场波动影响，结合风险审慎管理要 求， 自2025年11月3日（含）起，暂停受理易存金业务实时买入、新增定投买入、实物金兑换等申请 ，存量客户易存金定投计划的执行、赎回以及销户不受影响； 暂停个人黄金积存兑换实物贵金属、账 户黄金兑换实物贵金属等申请 ，其他个人黄金积存业务不受影响。相关业务恢复事宜，敬请关注后续 公告。 编辑｜钉钉 ...

Revenue Summary - China Petroleum reported a total revenue of 216.93 billion yuan, with a year-on-year decrease of 3.92% [2] - China Sinopec's revenue was 211.34 billion yuan, reflecting a significant year-on-year decline of 10.69% [2] - China Construction's revenue stood at 155.82 billion yuan, down 4.20% year-on-year [2] - China Ping An achieved a revenue of 83.29 billion yuan, marking a year-on-year increase of 7.42% [2] - China Mobile's revenue was 79.47 billion yuan, with a slight increase of 0.41% year-on-year [2] - China Railway's revenue reached 77.61 billion yuan, down 5.39% year-on-year [2] - China Railway Construction reported a revenue of 72.84 billion yuan, with a year-on-year decrease of 3.92% [2] - Industrial Fulian's revenue was 60.39 billion yuan, showing a significant increase of 38.40% year-on-year [2] - China Construction Bank's revenue was 57.37 billion yuan, with a slight increase of 0.82% year-on-year [2] Profitability Analysis - Industrial Fulian reported a net profit increase of 61.27% [5] - China Ping An's net profit increased by 11.47% to 132.86 billion yuan [9] - China Life's net profit surged by 60.54% to 167.80 billion yuan [9] - China Petroleum's net profit decreased by 4.90% to 126.28 billion yuan [9] - China Mobile's net profit increased by 4.03% to 115.35 billion yuan [9] - Vanke A reported a significant net loss of over 28 billion yuan, a year-on-year decline of 56.14% [9] Industry Performance - The banking sector's net profit exceeded 1 trillion yuan, indicating strong performance [16] - The steel and non-ferrous metal industries showed signs of recovery [16] - The construction and decoration, as well as the oil and petrochemical industries, reported the highest revenues [16]

（文章来源：新华财经） 工商银行还组建了"三支养老服务队伍"，为服务体系注入人文温度。一是在每个网点配备至少1名"养老 服务顾问"，负责政策解读、产品推荐和资源对接。二是邀请退休员工作为"养老服务体验志愿者"，从 用户视角优化流程和产品，已收集采纳1500余条宝贵建议。三是组建"青年志愿者团队"，深入社区开展 防诈宣传、业务办理等服务，充分展现工商银行的青年力量。 此外，工商银行持续创新多元金融产品，提供"N种养老服务产品"，满足各类需求。在对公方面，"工 银养老金"服务为企业年金提供一站式服务，目前管理的企业年金规模超1.7万亿元。针对养老机构融资 难问题，工商银行推出了"养老REITs"服务，并打造了免费、安全的"银发产业云"平台，服务于政府、 机构和个人。此外，在养老产业贷款方面，针对不同类型的客户提供不同的贷款产品。个人方面，工商 银行为55岁以上"长辈客群"打造了"工银爱相伴"品牌服务体系。 工商银行还依托庞大的网点和先进的线上平台优势，积极打造线上线下两个服务阵地，着力提升服务的 可得性与便捷性。在线下，工商银行启动"百千万工程"，计划打造百家养老金融旗舰网点、千家养老金 融标杆网点和万家养老金融 ...

银行行业今日上涨1.33%，全天主力资金净流入18.31亿元，该行业所属的个股共42只，今日上涨的有40 只；下跌的有2只。以资金流向数据进行统计，该行业资金净流入的个股有26只，其中，净流入资金超 亿元的有8只，净流入资金居首的是招商银行，今日净流入资金4.52亿元，紧随其后的是光大银行、交 通银行，净流入资金分别为1.75亿元、1.33亿元。银行行业资金净流出个股中，资金净流出超千万元的 有9只，净流出资金居前的有贵阳银行、苏州银行、浙商银行，净流出资金分别为7074.65万元、3843.57 万元、3447.84万元。（数据宝） 银行行业资金流向排名 | 代码 | 简称 | 今日涨跌幅（%） | 今日换手率（%） | 主力资金流量（万元） | | --- | --- | --- | --- | --- | | 600036 | 招商银行 | 2.20 | 0.45 | 45242.13 | | 601818 | 光大银行 | 2.10 | 0.91 | 17496.10 | | 601328 | 交通银行 | 1.25 | 0.82 | 13326.84 | | 601398 | 工商银行 | 1.54 ...

证券之星消息，11月3日国有大型银行板块较上一交易日上涨1.07%，建设银行领涨。当日上证指数报收 于3976.52，上涨0.55%。深证成指报收于13404.06，上涨0.19%。国有大型银行板块个股涨跌见下表： 从资金流向上来看，当日国有大型银行板块主力资金净流入4.75亿元，游资资金净流出3.8亿元，散户资 金净流出9501.91万元。国有大型银行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601328 交通银行 | | 1.36亿 | 9.83% | -7007.79万 | -5.07% | -6576.28万 | -4.76% | | 601398 工商银行 | | 1.27亿 | 5.52% | -1.08亿 | -4.69% | -1909.90万 | -0.83% | | 601988 中国银行 | | 9578.81万 | 4.45% | -8595.18万 | -3 ...

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10月31日 狀態: 新提交 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11月3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 | | 86,794,044,550 | | 2. 股份分類 | 普通股 | ...

Core Viewpoint - Major Chinese banks, including Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB), have suspended new gold accumulation business due to macroeconomic policy changes and risk management requirements, impacting various gold investment products and services [1][2]. Group 1: Bank Actions - ICBC has halted the acceptance of new accounts for its "Ruyi Gold Accumulation" program, along with new accumulation plans and physical gold withdrawals, while existing plans will continue to be executed normally [1]. - CCB has suspended real-time purchases and new investment plans for its "Easy Gold" service, as well as physical gold exchanges, but existing customers can still redeem and close accounts [1]. - Other banks, such as Industrial Bank and Ping An Bank, have already raised the minimum investment amounts for gold accumulation products in response to increased trading activity and gold price volatility [2]. Group 2: Tax Policy Changes - A significant change in gold tax policy was announced, effective from November 1, 2025, which aims to optimize the VAT arrangements for gold transactions and clarify the distinction between investment and non-investment uses [2]. - The new tax policy is expected to promote more transparent and regulated gold trading, reducing gray market activities and increasing compliance costs [2]. Group 3: Market Reactions - The international gold price has seen significant fluctuations, with a year-to-date increase exceeding 50%, while domestic gold prices also reached historical highs before experiencing corrections [3]. - Following the announcements from banks, gold retail stocks in Hong Kong and A-share markets faced declines, indicating market sensitivity to these changes [3][4]. Group 4: Risk Management Objectives - The banks' decision to pause new business is aimed at managing three key risks: reducing immediate inventory and delivery pressures during extreme volatility, allowing time for compliance with new tax regulations, and mitigating the impact of emotional trading on business operations [4]. - The new tax policy is expected to enhance the advantages of standardized gold products, leading to a potential rebalancing of channels among banks, platforms, and investors [4]. Group 5: Investor Guidance - Investors are advised to adopt a cautious approach by avoiding high-risk positions and considering gold as a hedging component in their portfolios, while prioritizing compliance and clarity in product offerings [6]. - The current restrictions on new accounts and physical withdrawals may lead to temporary adjustments in trading parameters and potential delays in transactions [6]. Group 6: Future Observations - Key points to monitor include whether more banks will follow suit in suspending new accounts, the impact of the new tax policy on different gold trading channels, and the evolution of price and trading structures in the gold market [8].

今日工商银行发布"关于暂停受理部分如意金积存业务申请的公告"，引发关注。工商银行客服确认上述 公告属实，并表示存量客户处于有效期内不受影响，目前"如意金"的提取情况以实际操作为准。"如意 金"相关业务没有显示会一直暂停，后续是否恢复会发公告。另有某一线城市工商银行网点回应称，目 前手机银行和柜台都已暂停"如意金"积存业务，柜台无法进行"如意金"实物黄金提取，之后有可能会恢 复的。这几天是过渡期，客户可恢复后进行相关操作。 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) reported a slight increase in net profit and revenue for the first three quarters of 2025, indicating a recovery in earnings and a stable financial position [1][2]. Financial Performance - ICBC achieved operating revenue of 640 billion yuan, a year-on-year increase of 2.2% [1]. - The net profit attributable to shareholders reached 269.9 billion yuan, reflecting a modest growth of 0.3% year-on-year [1]. - The annualized weighted average Return on Equity (ROE) stood at 9.3% [1]. Asset and Loan Growth - As of the end of Q3 2025, ICBC's total assets reached 52.8 trillion yuan, marking a year-on-year growth of 9.2% [1]. - Loans increased by 8.4% year-on-year, while deposits grew by 8.0% [1][3]. Income Breakdown - Non-interest income showed strong performance, growing by 11.3% year-on-year, with a notable increase in other non-interest income, which rose by 27.6% [2]. - Net interest income experienced a slight decline of 0.7% year-on-year [2]. Margin and Cost Management - The net interest margin for Q3 2025 was 1.28%, a decrease of 15 basis points year-on-year [3]. - The cost of interest-bearing liabilities decreased, contributing to the stabilization of the net interest margin [3]. Asset Quality and Risk Management - The non-performing loan (NPL) ratio remained stable at 1.33%, with a slight year-on-year decrease of 2 basis points [4]. - The provision coverage ratio was 217.2%, indicating a strong risk mitigation capacity [4]. Investment Outlook - ICBC is positioned as a stable investment with high dividend attributes, supported by a solid customer base and cost advantages [4]. - The bank's earnings per share (EPS) forecasts for 2025-2027 are 1.03, 1.06, and 1.09 yuan, with corresponding profit growth rates of 0.7%, 2.3%, and 3.4% [4].

有地方客户反映，目前手机银行和柜台都已暂停”如意金”积存业务，柜台无法进行"如意金"实物黄金提取。有工行柜台称之后可能会恢复，这几天是过渡期，恢复后可进行相关操作。 ...