Core Insights - The average cost of personal deposits is a key indicator of banks' liability costs, with lower rates indicating stronger competitiveness in attracting deposits [1][7]. Group 1: Ranking of Banks by Deposit Cost - The banks with the lowest average cost of personal deposits are primarily state-owned large banks and some retail-focused joint-stock banks, with China Merchants Bank leading at 1.18% for the 2025 mid-year report [2][8]. - Following China Merchants Bank are China Postal Savings Bank at 1.23% and Agricultural Bank of China at 1.38%, benefiting from extensive branch networks and strong customer bases [2][8]. - The top six banks all have costs below 2%, indicating strong deposit cost control capabilities [2][8]. Group 2: Cost Trends and Observations - A notable trend is the general decline in average deposit costs across most banks when comparing 2024 annual reports to 2025 mid-year reports, with China Merchants Bank decreasing from 1.44% to 1.18% [6][12]. - This decline reflects a reduction in liability cost pressures for the banking industry, positively impacting net interest margins and profitability [6][12]. - However, lower deposit costs must align with asset yield and risk management capabilities, as a healthy bank seeks to balance these factors [12]. Group 3: Challenges for Joint-Stock and Regional Banks - Joint-stock banks and regional commercial banks generally face higher average deposit costs, often exceeding 2%, which can challenge their net interest margin management [5][11]. - National joint-stock banks like Industrial Bank and Minsheng Bank have costs ranging from 2.11% to 2.18%, while some regional banks experience even greater cost pressures [5][11].

Group 1 - Postal Savings Bank of China held its first extraordinary shareholders' meeting of 2026, where the election of Mr. Lu Wei as an executive director was approved [1] - The bank's board of directors also approved the adjustment of the composition of its specialized committees, electing Lu Wei as the chairman and member of the Social Responsibility and Consumer Rights Protection Committee, a member of the Strategic Planning Committee, and a member of the Nomination and Remuneration Committee [1] - Lu Wei's committee positions will take effect upon the approval of his directorship qualification by the National Financial Regulatory Administration [1]

Core Viewpoint - Postal Savings Bank of China announced the election of Lu Wei as the chairman of the Board's Social Responsibility and Consumer Rights Protection Committee, as well as a member of the Strategic Planning Committee and the Nomination and Compensation Committee. His roles will take effect upon approval of his directorship by the National Financial Supervision Administration [1][5]. Group 1 - The Board of Directors of Postal Savings Bank held a meeting on January 19, 2026, where 16 directors were present, and the meeting complied with relevant laws and regulations [2][6]. - The meeting was chaired by Chairman Zheng Guoyu, and the proposal to adjust the composition of the Board's specialized committees was approved unanimously with 16 votes in favor [2][6]. - Lu Wei's election to the specialized committee positions will commence once his directorship is approved by the National Financial Supervision Administration [1][3].

Core Viewpoint - The international gold price has reached a historic high, exceeding $4,690 per ounce, leading to a surge in demand for gold and other precious metals, while the availability of bank safety deposit boxes has become critically low, especially in major cities like Beijing, Shanghai, Guangzhou, and Shenzhen [1][7]. Group 1: Gold Price and Demand - The spot gold price increased by approximately 70% in 2025, driving a significant rise in consumer investment demand for gold bars and other precious metals [2][8]. - As demand for gold rises, the difficulty in renting safety deposit boxes has become more pronounced, with reports of waiting times extending up to five to six years for certain banks [1][8]. Group 2: Supply Constraints of Safety Deposit Boxes - The supply of safety deposit boxes is characterized by static growth, as banks primarily view this service as a means to maintain high-net-worth clients rather than a profit center, leading to limited resource allocation [2][5]. - High renewal rates and slow turnover of safety deposit boxes exacerbate the supply shortage, creating a rigid gap in availability [3][9]. Group 3: Bank Strategies and Challenges - Banks face challenges in increasing the supply of safety deposit boxes due to low profitability, high operational costs, and the expensive nature of building new secure storage facilities [5][11]. - Current strategies include optimizing existing resources and implementing technology upgrades to improve space utilization, but these measures are gradual and unlikely to resolve the supply-demand imbalance in the short term [6][12].

Core Viewpoint - Postal Savings Bank of China (01658.HK) announced the election of Lu Wei as the chairman of the Board's Social Responsibility and Consumer Rights Protection Committee, as well as a member of the Board's Strategic Planning Committee and Nomination and Remuneration Committee [1] Group 1 - Lu Wei's committee positions will take effect upon the approval of his directorship qualifications by the National Financial Regulatory Administration [1] - Following Lu Wei's official appointment, Yao Hong will no longer serve as the acting chairman of the Social Responsibility and Consumer Rights Protection Committee [1]

Group 1 - Postal Savings Bank of China (601658) announced the election of Mr. Lu Wei as the chairman and member of the Board's Social Responsibility and Consumer Rights Protection Committee, as well as a member of the Board's Strategic Planning Committee and Nomination and Remuneration Committee [1] - Mr. Lu Wei's committee positions will take effect upon the approval of his directorship qualification by the National Financial Supervision Administration [1] - Following Mr. Lu Wei's official appointment, Ms. Yao Hong will no longer serve as the acting chairman of the Board's Social Responsibility and Consumer Rights Protection Committee [1]

Group 1 - Postal Savings Bank of China (01658) announced the election of Mr. Lu Wei as the chairman and member of the Board's Social Responsibility and Consumer Rights Protection Committee, as well as a member of the Board's Strategic Planning Committee and Nomination and Remuneration Committee, effective from the date of approval of his directorship qualification by the National Financial Supervision Administration [1] - Upon Mr. Lu Wei's official appointment, Ms. Yao Hong will no longer serve as the acting chairman of the Board's Social Responsibility and Consumer Rights Protection Committee [1]

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。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 海外監管公告 董事會決議公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10(B)條作出。如下公 告已於上海證券交易所網站刊登，僅供參閱。 特此公告。 承董事會命 中國郵政儲蓄銀行股份有限公司 杜春野 聯席公司秘書 中國，北京 2026年1月19日 於本公告日期，本行董事會包括董事長及非執行董事鄭國雨先生；執行董事姚紅女士；非執行 董事劉新安先生、張宣波先生、劉瑞鋼先生、陳雪女士、胡宇霆先生、丁向明先生及余明雄先 生；獨立非執行董事溫鐵軍先生、鍾瑞明先生、潘英麗女士、唐志宏先生、洪小源先生、楊勇 先生及浦永灝先生。 * 中國郵政儲蓄銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機 構，並不受限於香港金融管理局的監督，亦不獲授權在香港經營銀行及╱或接受存款業 務。 中国邮政储蓄银行股 ...

北京市建国门北大街 8 号华润大厦 20 层 邮编：100005 电话：(86-10) 8519-1300 传真：(86-10) 8519-1350 关于中国邮政储蓄银行股份有限公司 2026 年第一次临时股东会 北京市君合律师事务所（以下简称"本所"）接受中国邮政储蓄银行股份有 限公司（以下简称"贵公司"）的委托，就贵公司2026年第一次临时股东会（以 下简称"本次会议"）召集、召开的有关事宜，根据《中华人民共和国公司法》 （以下简称"《公司法》"）、中国证券监督管理委员会《上市公司股东会规则》 （以下简称"《股东会规则》"）等中国（为出具本法律意见书之目的，不包括 香港特别行政区、澳门特别行政区及台湾省）法律、法规、规章及贵公司现行有 效的《中国邮政储蓄银行股份有限公司章程》（以下简称"《公司章程》"）的 有关规定，出具本法律意见书。 为出具本法律意见书之目的，本所委派律师（以下简称"本所律师"）列席 了贵公司本次会议，并根据现行法律、法规、规章的有关规定及要求，按照律师 行业公认的业务标准、道德规范和勤勉尽责精神，对贵公司提供的与本次会议召 开有关的文件和事实进行了核查和验证，在此基础上，本所律师对本法 ...

证券代码：601658 证券简称：邮储银行 公告编号：2026-003 中国邮政储蓄银行股份有限公司 2026年第一次临时股东会决议公告 中国邮政储蓄银行股份有限公司董事会及全体董事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： 本次会议是否有否决议案：无 一、 会议召开和出席情况 | 1、出席会议的股东和代理人人数 | 2,476 | | --- | --- | | 其中：A 股股东人数 | 2,469 | | 境外上市外资股股东人数（H 股） | 7 | | 2、出席会议的股东所持有表决权的股份总数（股） | 108,517,872,021 | | 其中：A 股股东持有股份总数 | 94,334,790,869 | | 境外上市外资股股东持有股份总数（H 股） | 14,183,081,152 | | 3、出席会议的股东所持有表决权股份数占本行有表决权股 | | | 份总数的比例（%） | 90.477236 | 1 (一) 股东会召开的时间：2026 年 1 月 19 日 (二) 股东会召开的地点：北京市西城区金融大街 3 ...