证券代码：601939 证券简称：建设银行 公告编号：2025-065 中国建设银行股份有限公司 关于2025年第二次临时股东会会议 增加临时提案的公告 本行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。 一、股东会会议有关情况 (一) 股东会会议类型和届次 2025年第二次临时股东会会议 (二) 股东会会议召开日期：2025 年 11 月 27 日 (三) 股权登记日 | 股份类别 | 股票代码 | 股票简称 | 股权登记日 | | --- | --- | --- | --- | | Ａ股 | 601939 | 建设银行 | 2025/11/21 | 二、增加临时提案的情况说明 (一) 提案人：中国长城资产管理股份有限公司 (二) 提案程序说明 本行已于2025年11月8日刊载 2025年第二次临时股东会会议的召开通知。 实质持有本行有表决权股份总数约3.0065%股份的股东中国长城资产管理股份 有限公司于2025 年 11 月 10 日向本行提交《关于选举史剑先生担任中国建设银 日期时间：2025 年 11 月 27 日 14: ...

Group 1 - The domestic gold jewelry prices have significantly increased, with most brands surpassing 1300 RMB per gram, and some top brands exceeding 1310 RMB per gram, reaching new highs [2] - As of November 12, 2023, the international gold market continues to rise, with London gold priced at 4116.931 USD per ounce, reflecting a year-to-date increase of 56.89%, while COMEX gold is at 4119.6 USD per ounce, also up 56.09% for the year [2] - The domestic gold price in Shanghai is reported at 945.76 RMB per gram, with a year-to-date increase of 51.13%, indicating a clear upward trend in both domestic and international gold prices [2] Group 2 - Several banks have raised the minimum investment thresholds for gold accumulation products, with Citic Bank increasing its minimum from 1000 RMB to 1500 RMB effective November 15, 2025 [3] - China Construction Bank announced a revision to its gold accumulation business, raising the minimum investment amount from 1000 RMB to 1200 RMB, effective November 15, 2023 [3] - Other banks, including Ningbo Bank, Industrial and Commercial Bank of China, and Bank of China, have also adjusted their minimum investment amounts for gold accumulation products in recent weeks, reflecting a broader trend in the banking sector [4]

2025年11月27日舉行之2025年第二次臨時股東會會議之補充代理人委任表格 00939 為本人╱吾等之代理人，代表本人╱吾等出席於2025年11月27日14:50於北京市西城區金融大 街25號舉行之2025年第二次臨時股東會會議（「會議」），以考慮並酌情通過日期為2025年11月 12日的2025年第二次臨時股東會會議補充通告（「補充通告」）所載決議案，並於該會議上代表 本人╱吾等以本人╱吾等之名義就以下決議案投票表決 （附註4） 。 普通決議案 贊成 （附註4） 反對 （附註4） 棄權 （附註4） 3. 選舉史劍先生擔任本行非執行董事 日期：2025年 月 日 簽名 （附註5） 附註： ： 1. 請用正楷填上全名及地址。 2. 請填上與本補充代理人委任表格有關並登記於 閣下名下之股份數目。如未有填上股數，則本補充代理人委 任表格將被視為 閣下名下所有中國建設銀行股份有限公司股份之委任表格。 3. 倘擬委派會議主席以外之人士為代理人，請刪去「會議主席」字樣，並在空欄內填上 閣下所擬委派代理人之 姓名及地址。股東可委派代理人出席會議，並於表決時代為投票。本補充代理人委任表格之每項更正，均須 由簽署人簡簽示可 ...

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通告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本通告全部或任何部分內容而產生或因依 賴該等內容而引致之任何損失承擔任何責任。 00939 2025年第二次臨時股東會會議補充通告 茲提述中國建設銀行股份有限公司（「本行」）日期為2025年11月7日的2025年第二次 臨時股東會會議通告和通函（「第一份通函」），其中載列了本行2025年第二次臨時 股東會會議舉行的時間和地點及於會上提請股東審議的決議案。 3. 選舉史劍先生擔任本行非執行董事 上述議案的詳情載於本行日期為2025年11月12日的2025年第二次臨時股東會會議 補充通函（「補充通函」）。 中國建設銀行股份有限公司 董事會 2025年11月12日 - 1 - 於本通告日期，本行的執行董事為張金良先生、張毅先生和紀志宏先生，本行的 非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士和竇洪權先生，本行 的獨立非執行董事為威廉•科恩先生、梁錦松先生、詹誠信勛爵、林志軍先生和張 為國先生。 附註： 依照相關法律法規和公司章程的規定，選舉史劍先生擔任本行非執行董事的議案將作為本 ...

此乃要件 請即處理 閣下如對本補充通函任何方面或應採取之行動有任何疑問，應諮詢 閣下之股票經紀或其他註 冊證券商、銀行經理、律師、專業會計師或其他專業顧問。 閣下如已將名下之中國建設銀行股份有限公司股份全部售出或轉讓，應立即將本補充通函連同 隨附的补充代理人委任表格交予買主或承讓人，或經手買賣或轉讓之銀行、股票經紀或其他代 理商，以便轉交買主或承讓人。 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補充通函的內容概不負責，對其準 確性或完整性亦不發表任何聲明，並明確表示，概不對因本補充通函全部或任何部份內容而產 生或因依賴該等內容而引致之任何損失承擔任何責任。 00939 選舉史劍先生擔任本行非執行董事 及 2025年第二次臨時股東會會議補充通告 本補充通函（「補充通函」）應與本行日期為2025年11月7日的2025年第二次臨時股東會會議通函 （「第一份通函」）一併閱讀。 有關本行舉行2025年第二次臨時股東會會議之通告載於第一份通函。本行日期為2025年11月 12日的2025年第二次臨時股東會會議補充通告載於補充通函。 2025年11月12日 | 董事會函件 | | 1 | | --- | --- ...

Core Viewpoint - The recent incident at a bank in Shandong has sparked significant debate regarding the excessive withdrawal restrictions imposed by banks, highlighting the need for a balance between anti-fraud measures and customer rights [1][2]. Group 1: Incident Overview - A lawyer faced high withdrawal thresholds and was asked to explain personal account transaction details while attempting to withdraw cash from a bank, raising concerns about the bank's practices [1]. - The bank set a withdrawal limit of 20,000 yuan, claiming it was necessary for anti-fraud efforts, but different branches of the same bank denied this policy [1]. - The local anti-fraud center clarified that the issue was not related to their operations, indicating it was a problem specific to the bank [1]. Group 2: Regulatory Context - The current regulations require banks to verify customer identity and the source of funds for cash transactions above 50,000 yuan, but proposed revisions aim to eliminate this fixed threshold, focusing instead on risk-based assessments [2]. - The 2025 draft revision emphasizes that financial institutions should conduct due diligence based on customer characteristics and transaction nature, rather than adhering to a strict monetary limit [2]. Group 3: Variability in Bank Practices - There is a noticeable inconsistency in how different bank branches implement withdrawal policies, with some branches imposing stricter requirements than the national standard [3]. - In certain regions, banks have set withdrawal limits even lower than the national standard, with some requiring extensive documentation for transactions as low as 10,000 yuan [3]. - The lack of uniformity in banking practices creates confusion for customers and undermines the stability expected in a unified national market [3]. Group 4: Legal and Ethical Implications - Banks do not have the authority to interrogate customers about their transaction history without legal procedures, and such practices can harm the bank's credibility and the integrity of the judicial system [4]. - The presumption of guilt against customers and the overreach of banks in enforcing anti-fraud measures can negatively impact public trust and the effectiveness of anti-fraud initiatives [4].

Core Insights - The state-owned large bank sector experienced a rise of 1.82% on November 12, with Agricultural Bank leading the gains [1] - The Shanghai Composite Index closed at 4000.14, down 0.07%, while the Shenzhen Component Index closed at 13240.62, down 0.36% [1] Bank Performance - Agricultural Bank (601288) closed at 8.59, up 3.49% with a trading volume of 5.1259 million shares [1] - Bank of China (601988) closed at 5.76, up 1.41% with a trading volume of 4.0096 million shares [1] - Bank of Communications (601328) closed at 7.45, up 0.81% with a trading volume of 1.8340 million shares [1] - Postal Savings Bank (601658) closed at 5.87, up 0.69% with a trading volume of 1.6857 million shares [1] - China Construction Bank (666109) closed at 9.59, up 0.52% with a trading volume of 1.0318 million shares [1] - Industrial and Commercial Bank (601398) closed at 8.19, up 0.37% with a trading volume of 3.5929 million shares [1] Capital Flow - The state-owned large bank sector saw a net inflow of 1.117 billion yuan from institutional investors, while retail investors experienced a net outflow of 769 million yuan [1] - Agricultural Bank had a net inflow of 506 million yuan from institutional investors, while retail investors had a net outflow of 303 million yuan [2] - Industrial and Commercial Bank had a net inflow of 214 million yuan from institutional investors, with retail investors experiencing a net outflow of 177 million yuan [2] - Bank of China had a net inflow of 203 million yuan from institutional investors, with retail investors seeing a net outflow of 113 million yuan [2] - Bank of Communications had a net inflow of 166 million yuan from institutional investors, while retail investors had a net outflow of 917.7 million yuan [2] - China Construction Bank experienced a net outflow of 22.94 million yuan from institutional investors, but had a net inflow of 606.79 million yuan from speculative funds [2]

Market Overview - The market showed a slight decline with the Shanghai Composite Index down by 0.07%, the Shenzhen Component down by 0.36%, and the ChiNext Index down by 0.39% [2] - Over 3,500 stocks fell, with total trading volume in the Shanghai and Shenzhen markets at 1.95 trillion yuan, a decrease of 48.6 billion yuan from the previous trading day [2] Sector Performance - Insurance, pharmaceuticals, and oil & gas sectors saw the highest gains, while sectors like cultivated diamonds, photovoltaics, and controllable nuclear fusion experienced the largest declines [2] - The banking sector, particularly Agricultural Bank of China, showed strong performance, with its stock rising nearly 4% and reaching a historical high [5][8] Investor Sentiment - Investors expressed frustration with the market's fluctuations around the 4000-point mark, likening it to paying tolls repeatedly [4] - Analysts suggest that the market is currently in a consolidation phase, advising investors to remain patient and wait for risks to be fully released before seeking short-term recovery opportunities [4] Technical Analysis - The Shanghai Composite Index struggled to maintain its position above 4000 points, with a notable lack of trading volume indicating weak interest from external investors [7] - Despite recent adjustments, the index's stability above 4000 points is seen as a positive sign, with potential new market hotspots emerging in sectors like consumption, military, and robotics [7] Banking Sector Insights - The banking sector is entering a seasonal uptrend, with historical data indicating a 70% probability of absolute returns from November to December and an 80% probability in January [8] - Agricultural Bank of China has a total market capitalization exceeding 300 billion yuan, reflecting strong investor confidence [6][8] Pharmaceutical Sector Trends - The pharmaceutical sector has shown significant activity, with stocks like Hezhong China experiencing substantial gains, although concerns about potential rapid declines due to overvaluation have been raised [9] - The upcoming winter season is expected to increase demand for healthcare services, which may benefit the pharmaceutical sector [9]

Core Insights - The banking sector showed resilience with Agricultural Bank and Industrial and Commercial Bank reaching historical highs in stock prices, with Agricultural Bank's A-shares up 3.13% to 8.65 yuan and H-shares up nearly 3% to 6.4 HKD, marking year-to-date increases of over 68% and 51% respectively [1][2] - The total market capitalization of Agricultural Bank surpassed 3 trillion yuan [1] Financial Performance - The six major state-owned banks reported a combined operating revenue of 27,205.35 billion yuan for the first three quarters of 2025, reflecting a year-on-year growth of 1.87%, and a net profit of 10,723.43 billion yuan, also up 1.22% year-on-year [5][6] - Agricultural Bank led the net profit growth among the six banks with a year-on-year increase of 3.03%, while other banks showed varying growth rates [5][6] Investment Trends - Insurance capital has increased its holdings in several major banks, with Postal Savings Bank seeing the largest increase in shares, while Industrial and Commercial Bank and Agricultural Bank also saw insurance capital enter their top ten shareholders [8][9] - Analysts suggest that with policy support for long-term capital entering the market, insurance capital is expected to increase its allocation to bank stocks, enhancing their investment value [9]

Core Viewpoint - The recent fluctuations in gold prices have prompted several banks to adjust their gold accumulation services, reflecting a response to market conditions and consumer behavior [1][2]. Group 1: Bank Adjustments - Multiple banks, including China Construction Bank and CITIC Bank, have revised their gold accumulation business rules in response to rising gold prices [2][5]. - China Construction Bank has clarified that its gold accumulation business will be based on a balance of price and volume, allowing for adjustments in transaction quotes according to market conditions [2][3]. - CITIC Bank has increased the minimum investment amount for its gold accumulation plan from 1000 yuan to 1500 yuan, while maintaining the minimum weight for regular accumulation at 1 gram [5]. Group 2: Gold Jewelry Market Trends - The price of gold jewelry has surged, with some brands exceeding 1300 yuan per gram, leading to a decline in consumer interest in gold jewelry [6][7]. - Data from the China Gold Association indicates that gold consumption in the first three quarters of 2025 was 682.730 tons, a year-on-year decrease of 7.95%, with gold jewelry consumption dropping by 32.50% [7]. - Major jewelry brands, such as Lao Feng Xiang, reported significant declines in revenue and profit due to high gold prices, which have suppressed gold jewelry consumption [7][8]. Group 3: Market Demand and Supply Dynamics - The global demand for gold reached a record high of 1313 tons in the third quarter of 2025, driven by strong investment demand, including purchases by central banks [8]. - China's gold reserves increased by 30,000 ounces to 7,409,000 ounces by the end of October, marking the twelfth consecutive month of gold accumulation [8].