Core Viewpoint - Postal Savings Bank of China (PSBC) shows a mixed performance in trading and financing activities, with a notable increase in financing net purchases but a high level of short selling activity. Group 1: Trading Performance - On December 2, PSBC's stock price decreased by 0.53%, with a trading volume of 646 million yuan [1] - The financing buy amount for PSBC on the same day was 66.31 million yuan, while the financing repayment was 57.67 million yuan, resulting in a net financing purchase of 8.63 million yuan [1] - As of December 2, the total financing and securities lending balance for PSBC was 1.036 billion yuan [1] Group 2: Financing Activities - The current financing balance for PSBC is 1.031 billion yuan, which accounts for 0.27% of its market capitalization, indicating a low level compared to the past year [1] - On December 2, PSBC had a securities lending repayment of 14,100 shares and a securities lending sale of 22,700 shares, with the sale amounting to 128,700 yuan at the closing price [1] - The securities lending balance stood at 5.56 million yuan, which is above the 70th percentile level over the past year, indicating a high level of short selling activity [1] Group 3: Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, provides banking and related financial services in China [2] - The bank's main business segments include personal banking (65.15% of revenue), corporate banking (22.71%), and funding operations (12.10%) [2] - As of September 30, 2025, PSBC reported a net profit of 76.56 billion yuan, reflecting a year-on-year growth of 0.98% [2] Group 4: Shareholder Information - Since its A-share listing, PSBC has distributed a total of 137.80 billion yuan in dividends, with 77.39 billion yuan distributed in the last three years [3] - As of September 30, 2025, the number of shareholders decreased by 13.09% to 142,600, while the average circulating shares per person increased by 15.29% to 478,570 shares [2]

Core Insights - Postal Savings Bank of China (PSBC) is actively supporting veterans' entrepreneurship through specialized financial products and services, significantly impacting local economies and job creation [1][2][12] Group 1: Financial Support Initiatives - PSBC Hubei Branch has disbursed a total of 570 million yuan in loans to veterans, leading the province in financial support for this demographic [1] - The "Military Entrepreneurship Loan" (军创贷) program has been established, with 150 million yuan allocated annually to support veteran clients [2][11] - The bank has created dedicated service teams to provide 24/7 support for veteran entrepreneurs, ensuring quick loan approvals [3] Group 2: Collaboration with Government - PSBC has established a regular communication mechanism with local veteran affairs departments to enhance financial service integration into government support frameworks [2][11] - The bank's collaboration with local governments has led to the launch of targeted financial products tailored to veterans' needs [2][11] Group 3: Innovative Financial Products - PSBC has developed a range of financial products, including "Military Entrepreneurship Loans" and "Veteran Loans," with a high proportion of credit loans (89%) [7] - The bank has implemented a green channel for loan approvals, significantly improving processing times for veteran entrepreneurs [11] Group 4: Impact on Local Economies - The financial support from PSBC has enabled numerous veterans to establish successful businesses, contributing to local employment and economic growth [1][6][12] - For instance, a veteran's agricultural cooperative has created over 200 job opportunities and generated significant income for local residents [8][11] Group 5: Future Plans - PSBC aims to continue enhancing its financial service offerings for veterans, focusing on product innovation and digital transformation to better meet the needs of this group [12] - The bank plans to deepen its collaboration with government and enterprises to create a comprehensive support ecosystem for veteran entrepreneurs [12]

Core Viewpoint - The rapid development of Xiong'an New Area in Hebei is accompanied by large-scale resettlement, emphasizing the importance of ensuring smooth return and transition for relocated residents, which is a significant livelihood and public sentiment project [1][2]. Group 1: Financial Services Adaptation - The Postal Savings Bank of China Hebei Xiong'an Branch is focusing on the urgent financial service needs of the resettled population, optimizing service models and extending service reach to support residents in achieving stable housing [1]. - The bank has established a special task force in collaboration with local branches and the New Area Management Committee to ensure that service responsibilities are clearly assigned and implemented [1][2]. - To enhance service efficiency, the bank has conducted training sessions, optimized business processes, and set up consultation areas and green channels to create a warm and orderly service environment [1]. Group 2: Service Innovations and Achievements - The bank has set up mobile banking payment points in locations like Zhaozhou Town and provides home service for residents with mobility issues, while also conducting financial literacy and fraud prevention campaigns [2]. - Since its establishment over five years ago, the bank has actively participated in the construction of the New Area, having served 12 batches of resettlement payment work, collecting over 3.8 billion yuan in housing payments, and issuing 296 million yuan in resettlement housing loans, leading the market share among state-owned banks in the area [2]. - The bank plans to continue enhancing service quality and innovating service models to meet the financial needs of residents in areas such as consumption, entrepreneurship, and housing, contributing to the high-quality development of Xiong'an New Area [2].

Core Viewpoint - Major state-owned banks in China have completely stopped offering 5-year large denomination certificates of deposit (CDs), with some joint-stock banks and city commercial banks also following suit by reducing long-term deposit products [1][9]. Group 1: Changes in Deposit Products - The six major state-owned banks have significantly shortened the maturity structure of their large denomination CDs, now only offering products with maturities of 1 month, 3 months, 6 months, 1 year, 2 years, and 3 years [3][9]. - The interest rates for the 3-year large denomination CD is 1.55%, while the 1-year and 2-year products have interest rates of 1.20% [3]. Group 2: Withdrawal of 5-Year CDs - The 5-year large denomination CDs have been removed from the product offerings of several banks, including China Bank, Construction Bank, and Postal Savings Bank, with no trace of 5-year products in Agricultural Bank's catalog from 2018 to 2025 [9][10]. - The withdrawal of 5-year large denomination CDs has been a gradual process, as evidenced by China Bank's earlier announcement in May 2023, which included 5-year products but was limited to specific customers [9][10]. Group 3: Availability of Other Maturities - The 3-year large denomination CDs have also become scarce this year, with banks like China Merchants Bank confirming that both 3-year and 5-year options are no longer available [11]. - The longest available term for large denomination CDs is now 2 years, with an interest rate of 1.40% [11].

Core Viewpoint - The recent collective withdrawal of 5-year large deposits by six major state-owned banks has raised concerns among ordinary depositors regarding asset allocation [2][13]. Group 1: Withdrawal of Long-term Deposit Products - Six major state-owned banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China, have completely stopped offering 5-year large deposits [2][13]. - The exit of 5-year large deposits is not sudden; for instance, Bank of China had previously announced the sale of various deposit terms, including 5-year deposits, but limited them to specific customers [8][19]. - The availability of 3-year large deposits has also become scarce, with some banks indicating that the longest available term is now 2 years at a rate of 1.40% [10][21]. Group 2: Impact on Depositors - The reduction of long-term deposit products has left ordinary depositors in a dilemma regarding asset allocation, as many are uncertain about where to place their funds [11][22]. - A representative case is highlighted where a depositor with 1 million yuan intended to invest in a 5-year large deposit for stable returns but found no available options [11][22]. Group 3: Industry Response and Trends - The trend of withdrawing long-term deposit products reflects banks' reluctance to absorb higher-cost long-term liabilities due to pressure on interest margins, leading them to lower rates or reduce the supply of long-term products [11][22]. - The industry is being compelled to accelerate transformation, with suggestions for banks to expand non-interest income through wealth management and custodial services while stabilizing net interest margins [11][22].

12月2日金融一线消息，邮储银行发布公告，将于2026年2月13日派发中期股息每10股1.23元。 | 免費聲明 | | | --- | --- | | 香港交易及站影所有限公司及香港聯合交易所有限公司對本公告的内容概不負責,對其準固性或完整性亦不發展任何聲明,並明確表示，採不針因 | | | 公告全部或任何部份内容而遍生或因情賴該等內容而引致的任何損失承擔任何費任。 | | | | 股票發行人現金股息(可選擇貸幣)公告 | | 驳行人名稱 | 中國郵政储蓄銀行股份有限公司 | | 股份代號 | 01658 | | 多櫃樓股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年6月30日止六個月中期股息(更新) | | 公告日期 | 2025年12月2日 | | 公告狀態 | 更新公告 | | 更新/撤回理由 | 更新们股東批准目期、(ii)除淨日、[iii)為符合獲取股息分派而遷交股份過戶文件之最後時 | | | 限、(v)暫停辦理股份過戶登記手續之日期、(v)記錄日期、及(vi)股息派發日 | | 股息信息 | | | 股意如果 | 中期(半年期) | | ...

智通财经APP讯，邮储银行(01658)公布，将于2026年2月13日派发中期股息每10股1.23元。 ...

邮储银行（601658）(01658)公布，将于2026年2月13日派发中期股息每10股1.23元。 ...

EF002 免責聲明 | 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。 | 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 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中國郵政儲蓄銀行股份有限公司 | | 股份代號 | 01658 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年6月30日止六個月中期股息（更新） | | 公告日期 | 2025年12月2日 | | 公告狀態 | 更新公告 | | 更新/撤回理由 | 更新(i)股東批准日期、(ii)除淨日、(iii)為符合獲取股息分派而遞交股份過戶文件之最後時 | | | 限、(iv)暫停辦理股份過戶登記手續之日期、(v)記錄日期、及(vi)股息派發日 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 20 ...

POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 2025年第三次臨時股東大會之委任代表表格 本委任代表表格之股份數目 （附註2） 股H股 本人╱吾等 （附註1） （附註2） 之登記持有人， 地址為 為本人╱吾等之代表，代表本人╱吾等出席本行謹定於2025年12月19日（星期五）上午10時於北京市西城區金融大 街3號金鼎大廈A座現場舉行之2025年第三次臨時股東大會或其任何續會，並於該大會或其任何續會代表本人╱吾 等，依照下列指示就下列決議案投票，如無作出指示，則由本人╱吾等之代表酌情決定投票。 | | 普通決議案 | 贊成 | （附註4） | （附註4） 反對 | 棄權 | （附註4） | | --- | --- | --- | --- | --- | --- | --- | | 1. | 審議及批准2025年度中期利潤分配方案 | | | | | | | 2. | 審議及批准2024年度董事薪酬清算方案 | | | | | | | 3. | 審議及批准2024年度監事薪酬清算方案 | | | | | | | | 特別決議案 | 贊成 | （附註4） | （附註4） 反 ...