| 2025 G-SIBs | G-SIBs 2012-2025 | | --- | --- | | | G-SIBs as of November 2025 allocated to buckets corresponding to | | | required levels of additional capital buffers | | | Compared with the list of G-SIBs published in 2024, two banks have moved to a higher bucket: Bank of America and Industrial and Commercial Bank of China have moved from bucket 2 to bucket 3. One | | | bank has moved to a lower bucket: Deutsche Bank has moved from bucket 2 to bucket 1. | | Bucket | C-2IB | | 5 (3.50%) | (Empty) | | 4 ( ...

Group 1 - The core viewpoint of the article highlights the innovative initiatives by China Construction Bank's Jiangmen branch in integrating digital financial services into various sectors, particularly focusing on the digital RMB and its applications in public services and education [2][3][4] - The Jiangmen branch has launched a "Smart Canteen System" that utilizes technology to enhance the efficiency of traditional canteen operations, providing a new approach for digital transformation in consumption scenarios [3][4] - The digital RMB fiscal distribution solution introduced by the bank aims to provide secure, efficient, and intelligent salary payment services for government departments, marking a significant step in the development of digital governance [2][4] Group 2 - The "Smart Canteen System" incorporates data analysis capabilities to create a fully digital management process, including online meal ordering, intelligent meal preparation, and facial recognition payment, thereby reducing food waste and improving service efficiency [4] - The system allows students to make payments through facial recognition without the need for physical cards or mobile phones, addressing common issues such as long queues and payment difficulties in traditional canteens [4] - The initiatives by the Jiangmen branch not only enhance the efficiency of fund circulation but also promote the digital transformation of management models, contributing to the digital development of the Guangdong-Hong Kong-Macao Greater Bay Area [4]

近日，建设银行在官网发布关于调整部分代销公募基金产品风险等级的公告。公告显示，共有87个代销 公募基金产品调整风险等级，其中，32个由"R2—中低风险"调整为"R3—中风险"；55个由"R3—中风 险"调整为"R4—中高风险"。 近日，建设银行发布公告，上调87个代销公募基金产品风险等级。此前邮储银行、中信银行等也均有此 操作。专家表示，此举是银行落实《商业银行代理销售业务管理办法》，通过动态风险评级实现"卖者 有责"，并非市场风险整体上升的信号。对投资者而言，短期或面临投资选择受限的情况，但长期利好 显著，风险提示更清晰，投资决策更理性，保护了低风险偏好群体。 多个公募基金产品风险等级被调高 实际上，对代销公募基金产品风险等级进行调整并非建设银行一家。南都湾财社记者查询发现，今年11 月6日和10月29日，邮储银行两次发布公告，对部分代销的公募基金风险等级进行了相关调整。其中， 10月29日对80个代销公募基金产品风险等级进行调整：52个产品风险等级由"中等风险"调整为"中高风 险"，25个产品风险等级由"中低风险"调整为"中等风险"，2个产品风险等级由"中高风险"调整为"高风 险"，1个产品风险等级由"低 ...

来源：齐鲁晚报 山东纳驰环境科技有限公司(以下简称"纳驰科技")是一家以生物技术为基础,致力于环境综合治理解决方 案,打造区域资源循环生态产业链的环保综合服务商。公司经过11年发展,构筑了以技术平台、产业平 台、服务平台为主的服务体系。公司深耕污水处理及垃圾处理行业十余年,打造了一系列标准化、智能 化、高效节能产品,广泛应用于城市无管网区域生活污水就地处理、城市黑臭水体控源截污等多个领 域。 2025年9月份,中国建设银行济宁分行到纳驰科技走访,了解到纳驰科技作为一家科技型企业,存在"轻资 产、缺抵押"的融资痛点后,便向纳驰科技总经理李兰英推荐了资金流信息平台。"当时建行的工作人员 让我们了解到了这一全国性的平台,可以通过跨行资金流水数据共享功能,让银行精准评估公司信用状况, 高效完成贷款审批。"李兰英介绍,在了解到该平台的便利性后,公司便决定通过资金流信息平台进行贷款 融资。"中国建设银行济宁分行工作人员还帮我们完成了平台操作,进行了身份验证、绑定资金账号,让我 们可以顺利通过平台对接融资服务。"李兰英笑着说。最后纳驰科技通过资金流信息平台成功获得500万 元授信额度,助力企业获得充裕资金用来购买原材料,扩 ...

本报记者 彭妍 近日，国有六大行以及部分股份制银行纷纷下架5年期大额存单，目前在售产品主要集中在1个月至3年期。与此同时，多 家中小银行近期也宣布下架3年期、5年期定期存款产品，并同步下调各期限存款利率。 素喜智研高级研究员苏筱芮表示，高息中长期存款曾是负债端的重要资金来源，但本轮多家机构集中调整此类产品，直接 原因是缓解息差压力。此类高息中长期存款的下架，能够降低银行机构的负债成本，为后续净息差的缓解乃至回升提供缓冲； 长远来看，这一举措也是银行优化中长期负债结构的主动调整，标志着银行已从单纯追求规模扩张，转变为更加注重负债质量 的精细化发展模式。 展望后续，在息差收窄压力之下，存款利率仍有下调空间，银行业调整高成本存款产品的趋势或将延续。 高政扬建议，对投资者而言，需结合自身需求与市场变化，合理调整投资策略。一是密切跟踪市场动态。关注LPR调整情 况、存款市场化利率改革推进进度以及相关监管政策的变化。二是践行多元化资产配置。可依据自身风险偏好适当配置理财产 品，但需重点关注产品底层资产结构、期限匹配度等核心要素，切勿盲目追求高收益，避免因风险承受能力不足、期限错配等 问题引发流动性风险。 此外，在5年期大 ...

Core Viewpoint - The major state-owned banks in China have collectively removed five-year large-denomination time deposits, indicating a trend of declining long-term deposit products in the banking industry [1][2][4] Group 1: Changes in Deposit Products - The six major state-owned banks have eliminated five-year large-denomination time deposits, with only three-year products remaining, which have seen interest rates drop to between 1.5% and 1.75% [1] - The first bank to announce the cancellation of five-year time deposits was Tongyu County Mengyin Village Bank, which will stop offering this product starting November 5, 2025 [1] - Other banks, including at least seven private banks, have also begun to remove five-year time deposits, reflecting a broader trend in the industry [3][4] Group 2: Interest Rate Adjustments - The interest rates for various deposit products have been adjusted downwards, with one-year and two-year rates reduced by 5 basis points to 1.45% and 1.55%, respectively, and the three-year rate decreased by 10 basis points to 1.85% [3] - The adjustments are a response to the pressure on net interest margins faced by banks, as the yield on assets (like loan rates) is declining while the cost of liabilities (like deposit rates) remains rigid [2][4] Group 3: Industry Context and Implications - The banking industry is experiencing a "two-sided squeeze" where declining loan rates and high competition for deposits are pressuring net interest margins, leading to the reduction of long-term high-interest deposit products [4] - A survey indicated that 62.3% of urban depositors prefer to save more, a slight decrease from the previous quarter, suggesting a shift in savings behavior due to lower interest rates [4] - Analysts predict that while long-term deposits will not completely disappear, they will exhibit differentiated supply characteristics, with state-owned banks likely retaining five-year deposits as service tools but at potentially lower rates [5]

据股东会会议资料披露，建设银行2025年上半年，集团口径下归属于该行股东税后利润人民币1620.76 亿元，向全体普通股股东（于2025年12月10日收市后名列股东名册的股东）派发现金股息人民币486.05 亿元，每10股现金股息人民币1.858元（含税），分红比例30.0%，由高级管理层根据法律法规、有关部 委及监管要求、公司章程的相关规定负责2025年中期利润分配方案的具体实施。股东会会议资料显示， 本项议案已于2025年8月29日经该行董事会会议审议通过。如经2025年第二次临时股东会会议批准， 2025年度H股中期现金股息预期将于2026年1月26日派发，2025年度A股中期现金股息预期将于2025年12 月11日派发。 北京商报讯（记者孟凡霞周义力）11月27日，建设银行发布2025年第二次临时股东会会议决议公告，会 议审议通过了《关于中国建设银行股份有限公司2025年中期利润分配方案的议案》。 同日，中国银行发布2025年第四次临时股东会决议公告，会议审议通过了《中国银行2025年中期利润分 配方案》，该行将按照普通股每股派息人民币0.1094元（税前）向截至2025年12月10日（星期三）收市 ...

Core Viewpoint - Construction Bank's Sichuan Branch launched its first "Elderly Day" series of activities across 13 cities in the province, focusing on providing financial knowledge and health care services to approximately 600 elderly individuals [1][2][4] Group 1: Event Overview - The "Elderly Day" event was themed "Beautiful Years, Accompanied by Sincerity," and involved 22 selected model outlets to address high-frequency needs of the elderly, such as medical appointment tips and financial management [1][2] - The event received enthusiastic responses from the elderly community, highlighting the importance of tailored services [2] Group 2: Specific Activities - In Guangyuan, a customer meeting was organized to clarify social security card upgrades and pension rights, receiving positive feedback for its accessible service [2] - In Luzhou, a collaboration with a local dental hospital provided oral care education to elderly residents in a welfare home, showcasing the bank's commitment to community care [2] - In Chongzhou, a fraud prevention class was conducted for over 200 elderly individuals, teaching practical tips to avoid scams and distributing informational materials [3] Group 3: Future Plans - The Sichuan Branch plans to establish the "Elderly Day" as a regular service mechanism, aiming to expand its elderly care activities across more outlets in the province [4] - The bank intends to enhance its elderly financial services by broadening its product offerings and optimizing service processes to meet diverse needs [4]

国有大行仍是分红"主力军"。数据显示，六大行中期分红金额2046.57亿元，占A股上市银行中期分红总 额的七成以上。其中工商银行（601398）以503.96亿元分红位列第一，建设银行、农业银行（601288） 中期分红均超400亿元，中国银行中期分红352.5亿元。 股份行中，兴业银行（601166）、中信银行中期分红也均超100亿元。兴业银行本次分红为首次中期分 红，根据中期利润分配预案，中期利润分配预案公告，兴业银行拟每10股派发现金红利人民币5.65元 （含税）。按总股本211.63亿股计算，拟派发现金股息总额为人民币119.57亿元，占2025年半年度合并 报表口径归属于母公司普通股股东的净利润的比例为30.02%。 部分城商行也加入本次中期分红，苏州银行（002966）、长沙银行（601577）、常熟银行（601128）、 厦门银行（601187）、张家港行（002839）、无锡银行（600908）6家城商行分红合计30.95亿元。农商 行中，苏农银行（603323）中期分红1.82亿元。 | 证券代码 | 证券简称 | 现金分红总额(公告) [报告期] 2025中报 | | --- | --- ...

建设银行(00939.HK)发布公告，将于2026年1月26日派发2025年6月30日止六个月中期股息每10股1.858 元。 本文源自：金融界AI电报 ...