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之內容概不負責，對其準確性或完整性亦不發表 任何聲明，並明確表示，概不就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之任何損失承擔任 何責任。 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） 股份代號：1398 中國工商銀行股份有限公司（「本行」）收到《國家金融監督管理總局關於段紅濤工商銀行 董事任職資格的批覆》。根據有關規定，國家金融監督管理總局已核准段紅濤先生擔任 本行執行董事的任職資格。段紅濤先生擔任本行執行董事的任職已生效。本行歡迎段紅 濤先生加入本行董事會。 段紅濤先生的簡歷及其他根據有關法律法規及上市地監管規定須予披露的資料請參見本 行關於2025年第一次臨時股東大會的通函。 特此公告。 中國工商銀行股份有限公司 董事會 於本公告刊發日期，董事會成員包括執行董事廖林先生、劉珺先生、段紅濤先生和王景武先生；非執行董事盧永 真先生、曹利群女士、董陽先生和鐘蔓桃女士；獨立非執行董事陳德霖先生、赫伯特•沃特先生、莫里•洪恩先 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Wuhan Branch has successfully issued the province's first "carbon reduction + energy transition upgrade" linked loan, providing financial support for a local thermal power company to accelerate its green transformation and new energy service layout [1][2]. Group 1: Loan Details - The ICBC Wuhan Branch granted a credit line of 100 million yuan and issued a loan of 20 million yuan to the thermal power company, alleviating its financial pressure during a critical transition period [2]. - The "ICBC Wuhan Carbon Green Loan" incorporates a "carbon intensity" green evaluation mechanism, linking loan interest rate discounts to the company's actual carbon reduction targets [1][2]. Group 2: Product Innovation - The loan product features a unique mechanism that ties the loan interest rate to the effectiveness of carbon reduction, encouraging the company to adopt advanced production processes to lower carbon emissions and environmental pollution [1][2]. - The successful issuance of this loan serves as a valuable practical experience and demonstration sample for ICBC in building a green carbon reduction credit system [2]. Group 3: Strategic Implications - This initiative aligns with the implementation of China's "dual carbon" strategy and reflects ICBC's commitment to green finance and supporting the transition to a low-carbon economy [2]. - The ICBC Wuhan Branch aims to enhance its financial services to meet the green low-carbon transition needs of enterprises, increasing credit resource allocation to low-carbon transition sectors [2].

Group 1 - The 2025 Financial Street Forum Youth Forum was held in Beijing, focusing on the theme of "Building a Financial Power and the Mission of Youth in the New Era" [1] - The First Secretary of the Central Committee of the Communist Youth League emphasized the importance of financial youth in contributing to the construction of a financial power and promoting Chinese financial culture [1] - The Deputy Secretary of the Beijing Municipal Committee highlighted the role of youth as the future of the nation and the importance of finance as a core component of national competitiveness [1] Group 2 - The Chairman of the Industrial and Commercial Bank of China discussed the challenges posed by global trade, monetary systems, and the need for financial work to meet diverse economic demands [2] - Key speakers, including representatives from various sectors, addressed topics related to building a financial power and the role of youth in this process [2] - A roundtable discussion featured young representatives discussing high-quality financial development, technological innovation, and topics of interest such as artificial intelligence and new materials [2][3]

活动现场设置金融知识问答和反诈情景模拟环节，通过"你问我答""角色扮演"等方式，引导老年人主动 参与、沉浸体验，增强记忆与判断力。 据悉，此次活动共吸引150余名居民参与，现场气氛热烈。老人们纷纷表示，讲解内容"听得懂、记得 住、用得上"，对防范诈骗有了更清晰的认识。未来，工商银行河南省分行将持续聚焦老年群体金融需 求，不断深化消费者权益保护工作，以更加优质、贴心、安全的金融服务，践行金融为民，护航银龄生 活。 来源：环球网 金秋送爽，情暖重阳。重阳节前夕，工商银行河南省分行联合该行郑州分行、中牟支行走进泰康养老中 心，开展"凝聚养老金融力量，共建老年友好社会"主题金融知识普及活动，帮助老年群体提升金融素养 与风险防范能力，守护资金安全，为老年人送去金融服务与暖心关怀。 此次活动聚焦老年人日常金融使用中的风险点，采取"讲座+互动"形式进行。工作人员结合真实案例， 深入剖析电信网络诈骗、虚假养老投资项目、冒名代办社保等常见骗局以及"身份冒充""高收益承 诺""熟人转账"等诈骗特征，通过耐心讲解帮助老人识别风险信号，掌握核实身份、保护账户信息等实 用应对方法。 ...

Core Viewpoint - The China Industrial and Commercial Bank (ICBC) experienced a temporary system failure in its mobile banking app, leading to discrepancies in users' asset and liability data, which have since been rectified [1] Group 1 - Many users reported issues on social media, including their balances, investments, and liabilities being reset to zero or showing incorrect values [1] - ICBC's customer service confirmed that the discrepancies were due to an occasional system fault and assured users that their funds were safe [1] - The bank is actively addressing the issue and advised users to check detailed transaction records for accurate information [1]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Beijing Branch launched the "Disruptive Technology Innovation Special Loan" at the 2025 Financial Street Forum, aimed at supporting strategic technologies that can lead transformative changes [1][2] - The loan is part of a national key research and development program managed by the Beijing-Tianjin-Hebei National Technology Innovation Center, focusing on early-stage financing for hard technology enterprises [1] Group 1 - The special loan is designed to break traditional credit models, emphasizing early, small, long-term investments in hard technology [1] - The loan can cover up to 120% of the special subsidy amount, with a maximum term of 5 years, addressing funding needs across all stages of technology research and results transformation [1][2] - A dedicated evaluation model is applied to assess the technical teams and R&D capabilities of enterprises without income during the breeding period, facilitating efficient investigation and approval processes [1] Group 2 - On the same day of the loan's launch, ICBC Beijing Branch issued the first loan to a specialized small and medium-sized enterprise, Super Vision Biotechnology, to support its key R&D phase [2] - The total amount of loans for technology-oriented enterprises by ICBC Beijing Branch exceeds 160 billion yuan, and the introduction of this special loan enriches the bank's product matrix in the innovation chain [2] - ICBC Beijing Branch plans to continue developing financial products that cover the entire growth cycle and chain of technology enterprises, integrating innovation into the national innovation-driven development strategy [2]

Core Viewpoint - Jinzhou Bank has been acquired by Industrial and Commercial Bank of China (ICBC), marking the end of a six-year risk management process following significant financial troubles and asset quality deterioration [2][9]. Group 1: Acquisition Details - ICBC will take over Jinzhou Bank's assets, liabilities, operations, branches, and personnel as per the acquisition agreement [2]. - Customers of Jinzhou Bank will continue to receive banking services from ICBC, ensuring that depositors' rights are protected [3]. - A business migration notice indicates that services will transition to ICBC's platforms within 15 working days from the announcement [3]. Group 2: Financial Performance - Jinzhou Bank's total assets once exceeded 800 billion yuan, but it faced severe losses starting in 2018, with a net loss of 4.538 billion yuan that year due to a massive increase in asset impairment losses [4]. - The bank's non-performing loan (NPL) ratio surged from 1.04% to 4.99% in 2018, and by the end of 2019, the NPL balance reached 37.685 billion yuan, with an NPL ratio of 7.7% [4]. - As of mid-2022, Jinzhou Bank reported total assets of 826.552 billion yuan and a reduced NPL ratio of 2.87%, but net profit was only 14.2 million yuan, down 23.5% year-on-year [5]. Group 3: Management Issues - The former chairman, Zhang Wei, was implicated in corruption, having allegedly accepted over 244.8 million yuan in bribes during his 17-year tenure [6][7]. - Zhang's management is considered a significant factor in the bank's financial decline, leading to substantial losses and operational issues [7]. Group 4: Risk Management and Resolution - Following the exposure of asset quality risks, Jinzhou Bank faced a liquidity crisis in 2019, prompting regulatory intervention and the introduction of strategic investors to stabilize the situation [8]. - A financial restructuring was initiated, involving the sale of 150 billion yuan in non-performing assets and the introduction of quality shareholders [9]. - The acquisition by ICBC is viewed as a model for resolving regional financial risks through a combination of state-owned bank leadership and market-driven solutions [9].

受访人士表示，多家银行近期密集对积存金产品起投门槛进行策略优化，既是对当前金价高位震荡、市 场风险加剧的主动适配，也反映出银行在贵金属业务领域，进一步提升服务精准度与风险管控能力的核 心趋势。展望未来，预计会有更多金融机构跟进类似调整，为投资者提供更贴合市场变化、更灵活的投 资选择。 交通银行启用浮动模式 近期，国际金价在高位区间持续波动，金价不确定性显著上升。在此背景下，商业银行纷纷调整贵金属 业务策略，其中积存金产品起投门槛的优化成为核心方向。已有多家银行上调固定起投金额，交通银行 更是启用随金价浮动的调整机制。 多家银行上调最低投资额 10月份以来，已有工商银行、中国银行、平安银行、兴业银行等纷纷上调积存金产品起投门槛。例如， 自10月13日起，工商银行将如意金积存业务最低投资额由850元上调至1000元。中国银行于10月15日起 调整积存金产品的购买条件，按金额购买积存金产品或创建积存定投计划时，最小购买金额由850元调 整为950元，追加购买金额维持200元整数倍不变。 兴业银行则于10月21日起，调整积存金活期及普通定期业务按金额购买方式的购买起点金额，单次购 买、新增定投购买起点由1000元调整 ...

银行信用卡业务迎来一系列新调整！ 近期，工商银行、光大银行等多家银行密集调整信用卡分期业务规则，其中，光大银行直接宣布下线自选分期功能，工商银行则 缩减长期分期期数，一系列动作引发市场广泛关注。这场覆盖多家全国性银行的信用卡业务调整，究竟释放了怎样的行业信号？ 《金融时报》记者注意到，在此次调整中，光大银行的动作最为彻底。根据该行10月22日发布的公告，自2025年12月9日起，该 行将正式下线"自选分期"业务，届时，光大银行将对所有已开通该功能的信用卡统一做功能关闭处理，新入账交易不再自动分 期。 记者查阅光大银行《自选分期业务协议》了解到，该行自选分期原本是"一刀切"式的自动分期服务，在持卡人开通此项服务后， 每一笔消费交易都会被默认分为12期进行还款，每期手续费为0.5%-0.8%。 工商银行客服人员向记者补充说道，此次调整不影响已办理的长期分期业务，但新业务将严格执行期数上限。 "在自选分期开通的情况下，您使用信用卡消费，正常单笔消费金额达100元人民币及以上（或20美元/欧元及以上）都会默认分为 12期（每期为一个月）。每期也会收取对应的分期利息。"光大银行客服人员进一步对记者解释称，"我行自202 ...

Core Viewpoint - The ongoing "return to the nest" reform of village banks, led by main initiating banks, aims to address risks and optimize the financial layout in rural areas, ensuring that financial services remain rooted in local communities and meet the needs of rural residents [1][7][11]. Summary by Sections Village Bank Mergers and Acquisitions - On October 29, three village banks in Shandong were approved for dissolution, with their assets and operations taken over by Qingdao Rural Commercial Bank, marking a significant step in the "village to branch" reform [1][2]. - The day before, six village banks in Sichuan were also absorbed by Chengdu Rural Commercial Bank, indicating a broader trend of consolidation in the sector [2][3]. Background and Rationale - Village banks were established to serve "three rural issues," small and micro enterprises, and county-level economies, filling gaps left by traditional financial institutions. However, many have strayed from their original mission due to weak capital, governance issues, and inadequate risk control [7][11]. - The "village to branch" reform involves the absorption of village banks into their main initiating banks, eliminating their independent legal status and allowing for unified management and operations [7][11]. Strategic Implications - The main initiating banks can leverage their risk management frameworks and capital allocation mechanisms to reduce potential risks associated with village banks, enhancing their overall risk resilience [4][10]. - The consolidation allows main banks to deepen their penetration into rural financial markets by utilizing existing customer bases and branch networks of the absorbed village banks [4][10]. Future Outlook - The reform is expected to continue, with more village banks likely to be integrated into main initiating bank systems, as highlighted by recent regulatory approvals and ongoing discussions in the financial sector [11][12]. - The central government's emphasis on rural financial reform and the need for differentiated strategies for different institutions will be crucial for the success of these reforms [11][12].