Core Points - The Fourth Plenary Session of the 20th Central Committee of the Communist Party of China was held from October 20 to 23, 2025, in Beijing, focusing on the development blueprint for the next five years and emphasizing the commitment to advancing Chinese-style modernization [1] - The banking sector is encouraged to integrate its responsibilities into the broader development framework, emphasizing support for the real economy and enhancing the vitality of various business entities [2][3] - The session highlighted the importance of technological self-reliance and innovation as key goals for economic and social development during the 15th Five-Year Plan period [2][3] Banking Sector Response - Bank employees expressed a strong commitment to aligning their operations with national strategic directions, ensuring stable and flexible services to support the real economy [2] - The banking industry is focusing on enhancing financial services for technology-driven enterprises, promoting the integration of financial resources with technological innovation [2][3] - Banks are tasked with transforming traditional service models into value-creating platforms that support community services and inclusive finance [4] Economic Development Goals - The session called for the construction of a strong domestic market and the acceleration of a new development pattern, emphasizing the importance of expanding domestic demand and enhancing the interaction between consumption and investment [3] - There is a focus on promoting effective investment and consumption to stimulate domestic economic growth and ensure a reliable internal circulation [3] - The session also addressed the modernization of agriculture and rural areas, aligning with the banking sector's mission to support rural development and high-quality economic growth [4]

Core Insights - The People's Bank of China and multiple departments issued a notification regarding the establishment of stock repurchase and increase loans, marking one year since its implementation, with significant participation from listed companies and state-owned enterprises [1][6][8] Summary by Sections Policy Overview - The policy was officially launched on October 18, 2024, with a total re-loan quota of 300 billion yuan and an interest rate of 1.75%, aimed at providing low-cost credit support for stock repurchase and increase activities [6][7] - Over the past year, 712 listed companies have disclosed 754 repurchase or increase loan plans, with a total loan amount ceiling of 1,524.84 billion yuan [1][8] Participation and Impact - Major state-owned banks have been the primary participants, with Industrial and Commercial Bank of China leading with 147 loan plans totaling 356.91 billion yuan, followed by Bank of China and CITIC Bank [2][3] - The policy has effectively acted as a stabilizer in the capital market, particularly during periods of market volatility, enhancing investor confidence and liquidity [8][9] Market Response and Future Directions - The market has shown a positive response, with significant increases in stock indices, indicating the effectiveness of the policy in stabilizing market sentiment [9][10] - There is a growing demand for expanding the participant base to include local small and medium-sized banks, which could enhance service coverage and efficiency [5][11] - Future improvements are suggested, including optimizing loan mechanisms, expanding the range of eligible participants, and ensuring compliance and risk management [6][11]

股票代码：601939 股票简称：建设银行 公告编号：临 2025-061 中国建设银行股份有限公司 关于召开 2025 年第三季度业绩说明会的公告 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。 重要内容提示： 投资者可于 2025 年 10 月 27 日（星期一）23:59 前将相关问 题通过电子邮件的形式发送至中国建设银行股份有限公司（以下简 称本行）投资者关系邮箱：ir@ccb.com，或在会议召开时提问。本 行将于 2025 年第三季度业绩说明会（以下简称业绩说明会）上对投 资者普遍关注的问题进行回答。 二、业绩说明会召开时间和参会网址 (一) 会议召开时间：2025 年 10 月 30 日（星期四）17:00-18:00 (二) 参会网址：上证路演中心（http://roadshow.sseinfo.com） 三、本行参加人员 副行长兼董事会秘书纪志宏，首席财务官生柳荣及相关业务部 门负责人。 四、投资者参加方式 投资者可于 2025 年 10 月 30 日（星期四）17:00-18:00 登录上证 路演中心（htt ...

Core Insights - The article highlights a successful intervention by the Jinan Fengshan Road Branch of China Construction Bank (CCB) in preventing a telecom fraud targeting an elderly customer, thereby safeguarding 200,000 yuan in potential losses [1][2] Group 1: Incident Overview - An elderly customer attempted to withdraw funds and transfer them to a suspicious account, claiming it was for a "confidential fee," which raised red flags for the bank staff [1] - The bank staff promptly reported the situation to the operations supervisor, who initiated an emergency response plan to address the potential fraud [1] Group 2: Fraud Prevention Actions - The bank employees utilized their knowledge of fraud schemes to identify the situation as a typical "impersonation of public security" telecom fraud case [2] - Staff educated the elderly customer about common fraud tactics and assisted in contacting the customer's family for verification, leading to the customer's realization of the scam [2] Group 3: Commitment to Consumer Protection - The successful prevention of the fraud not only protected the customer's retirement savings but also enhanced the customer's awareness of financial risks [2] - CCB plans to continue strengthening employee training on fraud prevention and improving risk control mechanisms to better protect consumers in the future [2]

Core Viewpoint - The incident at CCB Jinan Portxing Branch highlights the bank's ability to transform a potential service crisis into an opportunity for customer recognition through effective communication and understanding of customer needs [1][2] Group 1: Incident Overview - A couple urgently requested to withdraw 100,000 yuan in cash, which had just been transferred to their account without prior appointment, leading to a tense situation at the bank [1] - The bank staff, adhering to anti-fraud regulations, engaged with the customers to understand their urgent need, which was initially met with frustration and loud complaints [1] Group 2: Resolution Process - The bank team, recognizing the urgency of the situation, guided the couple to a quieter area to calm them down and understand the real purpose of the cash withdrawal [1] - Upon learning that the funds were needed for a court-ordered payment due to a lawsuit failure, the bank staff proposed a direct transfer to the plaintiff's account as a more efficient solution [1][2] Group 3: Customer Response - After the resolution, the couple expressed regret for their initial behavior and thanked the bank staff for their understanding and assistance [2] - The incident exemplified the bank's commitment to compliance and customer-centric service, showcasing their high service standards and humanistic care [2]

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，概不對因本公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 關於召開2025年第三季度業績說明會的公告 業績說明會通過網絡文字互動方式召開，本行將針對2025年第三季度業績和 經營情況與投資者進行交流，並對投資者普遍關注的問題進行回答。 - 1 - • 會議召開時間：北京時間2025年10月30日（星期四）17:00-18:00 • 會議召開方式：網絡文字互動 • 參會網址：上證路演中心(http://roadshow.sseinfo.com) • 投資者可於北京時間2025年10月27日（星期一）23:59前將相關問題通過電子郵 件的形式發送至中國建設銀行股份有限公司（「本行」）投資者關係郵箱： ir@ccb.com，或在會議召開時提問。本行將於2025年第三季度業績說明會 （「業績說明會」）上對投資者普遍關注的問題進行回答。 二、業績說明會召開時間和參會網址 （一）會議召開時間：北京時間2025年10月30日（星期四）17:00-18:00 （二 ...

Core Insights - The article highlights a heartwarming service experience at the CCB Zibo Shaohai Road branch, where staff effectively assisted an African couple facing language barriers during a banking transaction [1][2] - The staff's ability to communicate in English and their professional demeanor not only resolved the couple's urgent issue but also left a positive impression on them, showcasing the importance of customer service in the banking industry [2] Group 1 - The African couple struggled to communicate their needs due to language barriers, which led to their initial frustration at the bank [1] - CCB staff proactively approached the couple and switched to English, demonstrating their commitment to customer service [1][2] - The staff efficiently processed the couple's request to update their passport information, completing the transaction in just a few minutes [1] Group 2 - The couple expressed their gratitude, praising the staff's patience and professionalism, which exceeded their expectations [2] - The incident exemplifies the concept of "internationalized service," emphasizing the importance of combining technology with a personal touch in banking [2] - This service experience sets a positive example for cross-border financial services, highlighting the quality of service in the Chinese banking industry [2]

Core Insights - The article highlights the importance of personalized banking services for elderly clients, showcasing a case where a bank employee provided on-site assistance to an elderly woman, alleviating her concerns about using technology for banking tasks [1][2] - The initiative reflects the bank's commitment to ensuring that no elderly clients are left behind in the digital age, emphasizing the role of empathy and understanding in financial services [2] Group 1: Service Delivery - The bank's staff visited an elderly client, Liu, to assist her with activating her social security card, addressing her anxiety about using banking technology [1] - The employee took time to explain each step of the process in a patient manner, which made the client feel secure and appreciated [1] Group 2: Financial Education - During the service, the bank staff also provided financial education, advising Liu on the importance of not transferring money to strangers and safeguarding her bank details [2] - Liu expressed that the face-to-face interaction helped her retain the information better, reinforcing the value of direct communication in financial literacy [2] Group 3: Employee Perspective - The experience led the bank employees to gain a deeper understanding of their role, recognizing that their work extends beyond transactions to include emotional support for clients [2] - The bank plans to continue offering such personalized services, aiming to protect the financial security of elderly clients and build trust [2]

Core Viewpoint - The article highlights a heartwarming service scenario at the CCB Zibo Yanshan branch, showcasing the bank's commitment to a customer-centric service philosophy through professional and patient guidance in foreign currency exchange [1] Group 1: Customer Interaction - A customer approached the bank to exchange two dollars previously obtained during travel, initially intending to keep them as a collection [1] - The bank staff meticulously checked the currency for any damage or alterations before proceeding with the exchange [1] - The operations supervisor intervened to explain that direct cash exchange was not possible and proposed an alternative method using the bank's mobile app for currency conversion [1] Group 2: Service Quality - The operations supervisor provided step-by-step guidance on using the CCB mobile banking app, ensuring the customer understood each part of the process [1] - The customer expressed gratitude for the smooth transaction and gained confidence in using mobile banking for future needs [1] - This incident reflects the bank's dedication to high-quality service and effective collaboration among staff to meet customer needs [1] Group 3: Future Commitment - The bank aims to continue enhancing service quality by focusing on details and providing warm, reliable financial services to all customers [1]

Core Points - The article highlights the customer-centric service approach of the China Construction Bank (CCB) Yantai Cultural Road Branch, showcasing its efficient handling of urgent situations and attention to detail in daily operations [1][2] Group 1: Emergency Services - The branch provided immediate assistance to an elderly customer in need of medical funds, demonstrating a commitment to customer needs by initiating a special process for urgent cases [1] - Staff accompanied the elderly customer to the hospital, ensuring that all necessary procedures were completed swiftly and efficiently, resulting in timely access to funds for medical expenses [1] Group 2: Daily Service Excellence - In addition to emergency support, the branch emphasizes meticulous attention to detail in everyday customer interactions, such as offering warm beverages to waiting customers and using clear language when assisting elderly clients [2] - The branch has established a reputation for high-quality service, positioning itself as a reliable financial partner for the residents of Laiyang [2]