Group 1 - The core viewpoint of the article highlights the trend of banks shutting down or consolidating their direct banking operations, with Postal Savings Bank of China announcing the absorption and merger of its wholly-owned subsidiary, Postal Bank of China Huinong Bank [1][2] - The merger is part of a broader trend in the banking industry towards digital transformation, where banks are enhancing their digital and centralized capabilities, primarily through mobile banking as the main service channel [2] - The independent value of direct banks has significantly diminished compared to the increasingly powerful mobile banking services, leading to challenges such as product homogeneity and high customer acquisition costs [2] Group 2 - The merger will not impact Postal Savings Bank's financial status or operating results, as Huinong Bank's financials were already fully consolidated into Postal Savings Bank's reports [3] - The long-term effect on Postal Savings Bank's performance is expected to be minimal, as the loans and deposits from Huinong Bank are relatively small and will not be renewed after their natural maturity [3] - The consolidation is aimed at optimizing management and business structure, enhancing digital transformation outcomes, and reducing operational costs [2]

Core Viewpoint - Postal Savings Bank of China (PSBC) announced the absorption and merger of its wholly-owned subsidiary, Postal Huinong Bank, to optimize management and business structure [2][4]. Group 1: Merger Details - The merger will result in PSBC inheriting all business, assets, debts, and rights of Postal Huinong Bank, which will cease to exist as an independent legal entity [4][5]. - The merger aims to achieve strategic integration, optimize resource allocation, and reduce management costs [5][6]. - The board of PSBC has approved the merger proposal, which will be submitted for shareholder approval and requires approval from the National Financial Regulatory Administration [5][6]. Group 2: Digital Transformation and Industry Context - PSBC has significantly increased its investment in financial technology, enhancing its digital and centralized capabilities, with mobile banking becoming the primary service channel [5][7]. - Postal Huinong Bank, established in January 2022 with a registered capital of 5 billion RMB, was designed as a platform for digital transformation and financial services for rural revitalization [7][8]. - The banking industry is witnessing a trend of digital transformation, moving from multiple experimental models to comprehensive integration, indicating a shift from extensive channel expansion to refined ecological development [8].

Group 1 - Postal Savings Bank of China (PSBC) announced the absorption and merger of its wholly-owned subsidiary, Postal Savings Bank Huinong Bank, to optimize management and business structure [1][3] - The merger will allow PSBC to inherit all business, assets, debts, and rights and obligations of Huinong Bank, aligning with PSBC's long-term strategic planning [3][5] - The merger aims to achieve strategic integration, optimize resource allocation, and reduce management costs, enhancing PSBC's online business capabilities and operational efficiency [4][5] Group 2 - Huinong Bank, established on January 7, 2022, with a registered capital of 5 billion RMB, has been a key player in PSBC's digital transformation efforts, focusing on serving rural areas and small enterprises [7] - As of June 2025, Huinong Bank had total assets of 12 billion RMB and over 20 million registered users, indicating its significant role in the digital banking landscape [7] - The adjustment by PSBC reflects a broader trend in the banking industry, where many banks are integrating their digital financial subsidiaries, marking a shift from initial experimentation to comprehensive integration [8]

Core Viewpoint - The merger of Postal Savings Bank of China (PSBC) and Youhui Wanjia Bank aims to enhance strategic integration, optimize resource allocation, and reduce management costs, while ensuring that existing customer rights and obligations remain unaffected [3][4][5]. Group 1: Merger Details - Youhui Wanjia Bank's independent legal status will be canceled post-merger, with all its business, assets, debts, and rights transferred to PSBC, ensuring customer contracts remain valid [3]. - Youhui Wanjia Bank was established in January 2022 with a registered capital of 5 billion yuan, and by June 2025, it had assets of 12 billion yuan, deposits of 7.2 billion yuan, and 16.45 million customers [3]. - The merger will not materially impact PSBC's financial status or operational results, nor will it harm the interests of its shareholders [3][6]. Group 2: Reasons for the Merger - The merger aligns with PSBC's long-term strategic planning, focusing on integrating Youhui Wanjia Bank's online advantages to address the limitations of physical branch coverage and high costs of offline retail financial services [4]. - By merging, PSBC can leverage Youhui Wanjia Bank's expertise in internet finance and enhance its overall operational efficiency [4][5]. Group 3: Financial Impact - The merger will have minimal impact on PSBC's financial statements since Youhui Wanjia Bank is a wholly-owned subsidiary [6][7]. - The merger will not change the economic resources controlled by PSBC, and the individual asset and liability statements will reflect the integration of Youhui Wanjia Bank's assets and liabilities [7]. Group 4: Customer and Business Transition - Existing customers of Youhui Wanjia Bank will transition smoothly to PSBC, with personal loans being gradually phased out and managed by PSBC's Shanghai branch [8]. - All personal accounts, deposits, and payment services will be migrated to PSBC to ensure stable operations and effective resource integration [8]. - PSBC will take over the management of all wealth management products previously offered by Youhui Wanjia Bank, ensuring that customer experiences remain unaffected during the transition [8][9]. Group 5: Capital Adequacy and Digital Transformation - The merger will not affect PSBC's capital adequacy at the group level, and the capital adequacy ratio may slightly improve at the legal entity level due to lower capital consumption from the subsidiary [10]. - PSBC is committed to enhancing its digital transformation by improving technological capabilities, optimizing business management, and strengthening risk control systems [11].

（编辑 楚丽君） 证券日报网讯 9月23日晚间，邮储银行发布公告称，中国邮政储蓄银行股份有限公司（以下简称本行） 监事长、股东代表监事陈跃军先生因达到法定退休年龄，向本行监事会提交辞呈，辞去本行监事长、股 东代表监事职务。该辞任自2025年9月23日起生效。 ...

邮储银行（601658）(01658)发布公告，该行监事长、股东代表监事陈跃军因达到法定退休年龄，向该 行监事会提交辞呈，辞去该行监事长、股东代表监事职务。该辞任自2025年9月23日起生效。 ...

中国邮政储蓄银行股份有限公司（以下简称本行）监事长、股东 代表监事陈跃军先生因达到法定退休年龄，向本行监事会提交辞呈， 辞去本行监事长、股东代表监事职务。该辞任自 2025 年 9 月 23 日起 生效。陈跃军先生已确认其与本行监事会无不同意见，亦无就其辞任 需要通知本行股东及债权人的任何事项。 陈跃军先生于 2012 年加入本行，任职期间坚持以习近平新时代 中国特色社会主义思想为指导，恪尽职守、勤勉尽责，带领本行监事 会认真贯彻落实党中央重大决策部署及监管要求，积极推动党的领导 与公司治理有机融合，创新监督方式，完善监督机制，有效发挥监督 制衡作用，切实维护本行、股东、职工、债权人和其他利益相关者合 法权益，为推动本行持续稳健经营、完善公司治理、实现高质量发展 作出重要贡献。本行监事会对陈跃军先生表示衷心感谢！ 特此公告。 中国邮政储蓄银行股份有限公司监事会 证券代码：601658 证券简称：邮储银行 公告编号：临 2025-050 中国邮政储蓄银行股份有限公司 关于监事长辞任的公告 中国邮政储蓄银行股份有限公司监事会及全体监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、 ...

格隆汇9月23日丨邮储银行(01658.HK)公告，中国邮政储蓄银行股份有限公司监事长、股东代表监事陈 跃军因达到法定退休年龄，向监事会提交辞呈，辞去监事长、股东代表监事职务。该辞任自2025年9月 23日起生效。 ...

Group 1 - Postal Savings Bank of China announced the resignation of its chairman of supervisors and shareholder representative supervisor, Chen Yuejun, due to reaching the statutory retirement age [1] - The resignation will take effect on September 23, 2025 [1]

Core Viewpoint - Postal Savings Bank of China (PSBC) will absorb and merge its wholly-owned subsidiary, Postal Huinong Bank, to optimize management and business structure [1][2] Group 1: Company Overview - PSBC announced the merger on September 23, aiming to enhance operational efficiency and reduce costs by consolidating resources [1] - Postal Huinong Bank was established in January 2022 with a registered capital of 5 billion yuan and primarily operated as an online bank [1][2] - The merger will result in the cancellation of Postal Huinong Bank's independent legal status, with all its assets, liabilities, and rights transferred to PSBC [1] Group 2: Financial Performance - In 2024, Postal Huinong Bank reported a revenue of 243 million yuan, a year-on-year decrease of 31.52%, and a net loss of 263 million yuan, which is an improvement from the previous year's loss of 415 million yuan [2] - PSBC's financial performance for 2024 included a revenue of 348.775 billion yuan, a year-on-year increase of 1.83%, and a net profit of 86.479 billion yuan, up 0.24% [2] - As of the end of 2024, PSBC's total assets amounted to 17.08491 trillion yuan [2]