针对调整原因，北京商报记者致电邮储银行客服，对方回应称，此次调整仅针对非信用卡相关业务的在 线人工客服，核心目的是通过智能客服"小邮"提升常见问题解答效率，为用户提供更便捷的服务体验。 若有疑问或紧急业务，仍可随时拨打邮储银行7×24小时客服热线95580咨询人工座席，人工座席不受此 次在线客服时间调整影响。 北京商报讯（记者 孟凡霞 周义力）11月24日，邮储银行发布公告称，该行将于2025年12月3日23:00起 调整官方网站、个人网上银行、企业网银、手机银行、邮储企业银行、微信银行、客户服务微信公众 号、分行微信公众号渠道非信用卡在线客服人工服务时段，调整后服务时间为每日7:00—23:00。 据悉，此次调整前，邮储银行官网等渠道的非信用卡在线人工客服为7×24小时。针对时段外的用户需 求，公告明确，用户可随时通过智能客服"小邮"获取即时响应，或致电中国邮政储蓄银行客服热线 95580进行咨询。 ...

Core Insights - The state-owned large bank sector experienced a decline of 0.76% on November 24, with China Bank leading the drop [1] - The Shanghai Composite Index closed at 3836.77, up 0.05%, while the Shenzhen Component Index closed at 12585.08, up 0.37% [1] Bank Performance - Postal Savings Bank closed at 5.79, down 0.34% with a trading volume of 2.19 million shares [1] - Agricultural Bank closed at 8.02, down 0.37% with a trading volume of 2.97 million shares [1] - Construction Bank closed at 9.75, down 0.41% with a trading volume of 1.29 million shares [1] - Industrial and Commercial Bank closed at 8.20, down 0.61% with a trading volume of 3.49 million shares [1] - Bank of Communications closed at 7.56, down 0.79% with a trading volume of 1.90 million shares [1] - China Bank closed at 6.17, down 1.91% with a trading volume of 6.20 million shares [1] Capital Flow Analysis - The state-owned large bank sector saw a net outflow of 47.67 million yuan from institutional investors and 23.99 million yuan from retail investors, while individual investors had a net inflow of 71.67 million yuan [1] - The capital flow for individual banks showed varied trends, with Bank of Communications having a net inflow of 72.53 million yuan from institutional investors, while China Bank had a net outflow of 49.25 million yuan [2] - Agricultural Bank experienced a net inflow of 54.10 million yuan from institutional investors, but a net outflow of 66.31 million yuan from retail investors [2]

Core Insights - Postal Savings Bank of China (PSBC) Beijing Branch has showcased its digital financial services through the HarmonyOS at the "京彩不设限·经济热力站" event [1] - The branch is the first HarmonyOS ecological bank of PSBC, collaborating with Huawei and Shenzhen Zhengtong Electronics to integrate traditional and innovative banking services [1] Group 1: Digital Financial Services - The bank utilizes the native HarmonyOS PSBC app for business appointment initiation, allowing customer managers to receive notifications via a wristband, enhancing service efficiency [1] - The integration of various terminals, including VIP customer alerts, queue calling, and ticketing, improves the convenience and intelligence of financial services [1] Group 2: Intelligent Products - The branch is equipped with multiple intelligent products, including a multilingual AI translation screen that supports eight languages, facilitating communication with foreign clients [1]

Core Insights - The article highlights the successful organization of a series of engaging activities by Postal Savings Bank's Jiangyang District branch during the first autumn holiday for middle and primary school students in Luzhou, aimed at promoting financial literacy among youth [1][5]. Group 1: Event Overview - The activities took place from November 12 to 14, creating a 5-day holiday experience for students [1]. - Various interactive and educational activities were designed to enrich the holiday experience for children and their families [1]. Group 2: Financial Literacy Initiatives - An interactive experience called "Little Banker" was conducted, where children learned about currency, bank cards, and the importance of saving through hands-on activities [1]. - The children engaged in simulated banking operations, fostering practical financial knowledge [1]. Group 3: Community Engagement and Impact - The wealth center of the Jiangyang District branch transformed into a fun arena with games that enhanced children's coordination and teamwork skills [3]. - The event served as a demonstration of the bank's commitment to social responsibility and community service, receiving positive feedback from parents [5]. - The bank plans to continue organizing similar inclusive and enjoyable public welfare activities to strengthen community ties and provide heartfelt service [5].

转自：推广 彝历新年临近，烟峰镇洋溢着喜庆氛围。近日，邮储银行马边县支行以彝族年为契机，开展特色宣教活动，将彝族文化传承与金融知识普及相结合，为彝乡 群众送上节日祝福与金融"干货"。 此次彝族年主题宣传活动，是邮储银行马边县支行将民族文化传承与金融服务创新相结合的生动实践，既让大家感受了民族文化魅力，又提升了金融素养与 风险防范意识。未来，邮储银行马边县支行将持续深耕普惠金融领域，不断创新服务形式、延伸服务触角，让金融活水更好地滋润民族地区，为乡村振兴和 民族团结贡献更多邮储力量。 来源：推广 在邮储银行马边县支行网点，工作人员精心布置彝族文化展示区，通过彝绣挂饰、传统器物展示及讲解，向客户普及彝族年习俗与非遗文化。同时，结合群 众生活场景，用通俗语言拆解电信诈骗、非法集资套路，讲解人民币防伪、数字人民币应用等知识，手把手指导老年客户使用手机银行，助力跨越数字鸿 沟。 随后，宣讲团队走进烟峰镇村委会，以彝汉双语宣讲的形式，重点解读养老领域非法集资防范技巧、银行卡信息保护、征信管理等内容，现场设置咨询台答 疑解惑，切实解决群众金融需求。 ...

转自：推广 THE WARRE 四川省分行 SICHUAN BRANCH K e 音 中国邮政储蓄很行 POSTAL SAVINGS BANK OF CHINA 四川省分行 SICHUAN BRANCH -11 都是我们的发生的重要 【 】 UB unummonu 0000000 V 8,800 2 HAMG 24 01/5 中国邮政储蓄银行 POSTAL SAVINGS BANK OF CHINA F 中国邮政储蓄银行 | 四川省分行 電 POSTAL SAVINGS BANK OF CHINA SICHUAN BRANCH 煥新生活 "肃"치 相伴 广告 来源：推广 ...

Core Points - China Postal Savings Bank announced an adjustment to its online customer service hours, effective December 3, 2025, from 23:00 [1] - The new service hours will be from 7:00 to 23:00 daily, covering various online platforms including the official website, personal online banking, corporate online banking, mobile banking, and WeChat banking [1] - Outside of these hours, customers can still access instant responses through the intelligent customer service or contact the bank's customer service hotline for assistance [1] Company Summary - The adjustment aims to enhance customer service efficiency and accessibility for users of China Postal Savings Bank's various digital platforms [1] - The bank expresses gratitude for customer understanding and support during this transition [1] - The initiative reflects the bank's commitment to providing high-quality and convenient financial services [1]

Core Viewpoint - China Postal Savings Bank's Quxian branch integrates traditional Chinese culture with innovative financial services by creating a calligraphy-themed outlet and hosting a calligraphy exchange event, exploring a new "culture + finance" customer service model [1][5]. Group 1: Event Overview - The event invited numerous calligraphy enthusiasts and experts to engage in technique discussions, impromptu creations, and appreciation of works, focusing on classic poetry and good wishes, thereby passing on cultural heritage [2]. - Various styles of calligraphy works were showcased, attracting customers who were conducting business to stop and appreciate the art [2]. Group 2: Cultural Integration in Banking - The Quxian branch features a strong cultural atmosphere with calligraphy works displayed on walls and a dedicated calligraphy experience area equipped with writing materials, allowing customers to enjoy the art of writing while conducting their banking activities [4]. - The branch's representative stated that promoting traditional culture is a social responsibility, and the "culture + finance" model aims to enhance both cultural dissemination and financial services [4]. Group 3: Future Directions - The event serves as an important platform for the bank to innovate its customer service model, aiming to break the stereotype of traditional financial services and better meet diverse customer needs by integrating financial services into cultural contexts [5]. - The bank plans to enhance customer satisfaction and sense of gain by making financial services more precise and considerate while continuing to pass on traditional culture [5].

Core Insights - Postal Savings Bank of China (PSBC) experienced a decline of 1.69% in stock price on November 21, with a trading volume of 1.244 billion yuan [1] - The bank's financing buy-in amounted to 139 million yuan, while financing repayment was 144 million yuan, resulting in a net financing outflow of 5.079 million yuan [1] - As of November 21, the total margin trading balance for PSBC was 922 million yuan, indicating a low financing balance at 0.24% of the market capitalization, below the 30th percentile of the past year [1] Financing and Margin Trading - On November 21, PSBC's financing buy-in was 139 million yuan, with a current financing balance of 918 million yuan [1] - The bank's margin trading balance is significantly low compared to historical levels, indicating potential underutilization of financing options [1] - In terms of short selling, PSBC had a repayment of 312,900 shares and a short sale of 18,200 shares, with a short selling amount of 105,700 yuan [1] Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, provides a range of banking and 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 76.562 billion yuan, reflecting a year-on-year growth of 0.98% [2] Shareholder and Dividend Information - Since its A-share listing, PSBC has distributed a total of 137.796 billion yuan in dividends, with 77.395 billion yuan 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% [2][3] - Major shareholders include Hong Kong Central Clearing Limited and various ETFs, with notable reductions in their holdings compared to previous periods [3]

Investment Rating - The report assigns a "Buy" rating to several banks, including ICBC-H, CCB-H, and BOC-H, based on their above-peer dividend yield and attractive valuations [11]. Core Insights - The net interest margin (NIM) is expected to diverge between large banks and regional banks, with regional banks likely to perform better due to higher risk appetite and benefits from time-deposit rate cuts [2]. - Policy-financing instruments are anticipated to support loan growth into 1Q26E, potentially driving new loans of RMB2.5 trillion to RMB5 trillion [3]. - Overall asset quality remains stable, but there is increasing pressure on developer loans and non-mortgage retail loans, with manageable credit risk in mortgage loans [4][7]. - Fee income is improving due to strong agency and custodian fees, although a potential fee rate cut in mutual funds could impact future income [8]. - Big banks maintain flattish earnings growth guidance for 2025E, while regional banks like BOCD and BONJ expect around 5% to 8% earnings growth [9][10]. Summary by Sections Net Interest Margin (NIM) - NIM pressure is expected to moderate into 4Q25E, with large banks anticipating continued year-on-year compression in 2026E [2]. Loan Growth - The distribution of RMB500 billion in policy-financing instruments is expected to enhance loan growth, particularly for banks with higher exposure to infrastructure [3]. Asset Quality - Asset quality is stable overall, but there are rising pressures in developer loans and non-mortgage retail loans, with manageable risks in mortgage loans [4][7]. Fee Income - Fee income has improved, driven by strong performance in asset management, though future fee income may be affected by rate cuts [8]. Earnings Growth - Big banks expect flattish earnings growth in 2025E, while regional banks forecast modest growth, with specific banks like PAB expecting a return to positive year-on-year growth in 2026E [9][10]. Valuation and Equity Raising - The market is focused on potential equity raising, particularly for regional banks trading below 1x book value, which could open financing opportunities for others [10].