2025年12月11日，忻州金融监管分局发布批复称，《中国工商银行股份有限公司山西省分行关于居志鹏 拟任忻州分行行长助理任职资格的请示》（工银晋报〔2025〕181号）收悉。经审核，现批复如下： 三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 二、中国工商银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 一、核准居志鹏中国工商银行股份有限公司忻州分行行长助理的任职资格。 ...

Core Viewpoint - The recent adjustments by major banks in China regarding personal precious metals trading reflect a cautious approach towards market risks, with several banks tightening their management of such businesses to protect investor interests [1][3][7]. Group 1: Bank Adjustments - On December 15, Industrial and Commercial Bank of China (ICBC) announced enhanced management for personal precious metals trading, urging clients with idle accounts to withdraw funds by December 19 [1][4]. - Other banks, including Agricultural Bank of China, China Construction Bank, and several regional banks, have also followed suit, indicating a broader trend of reducing personal precious metals business [1][6][7]. - The adjustments are part of a larger industry trend, with banks closing accounts that have had no trading activity for extended periods, reflecting a shift in risk management strategies [7][8]. Group 2: Market Context - The tightening of personal precious metals trading comes in the wake of a new tax policy implemented in October, which distinguishes between investment and non-investment gold, increasing compliance costs for banks [11][12]. - The new tax regulations require banks to track the use of physical gold more stringently, leading to operational challenges, particularly for smaller banks [11][12]. - The demand for gold has shifted towards more liquid financial products like ETFs, which offer lower costs and greater convenience compared to physical gold investments [12]. Group 3: Future Outlook - The global gold market has seen significant price increases, with a reported rise of over 60% in 2025, driven by economic expansion and geopolitical uncertainties [12]. - Looking ahead to 2026, the gold market is expected to experience a dynamic balance of various forces, with ongoing structural demand from investors and central banks potentially supporting prices, while economic recovery and interest rate changes may exert downward pressure [12].

Core Viewpoint - As of December 15, 2025, 26 A-share listed banks have announced mid-term or quarterly dividend plans, with a total expected payout exceeding 260 billion yuan [1]. Group 1: Major Contributors - The six major state-owned banks are the main contributors to this dividend distribution, with Industrial and Commercial Bank of China leading at 50.396 billion yuan, followed by China Construction Bank at 48.605 billion yuan, Agricultural Bank of China at 41.823 billion yuan, Bank of China at 35.250 billion yuan, Postal Savings Bank of China at 14.771 billion yuan, and Bank of Communications at 13.811 billion yuan [3]. - The total cash dividend from these six major banks exceeds 200 billion yuan [3]. Group 2: Other Banks - Among joint-stock banks, both Industrial Bank and CITIC Bank are expected to distribute over 10 billion yuan in dividends, specifically 11.957 billion yuan and 10.461 billion yuan respectively [3]. - Everbright Bank and Minsheng Bank are also projected to exceed 5 billion yuan in dividends [3]. - Several regional small and medium-sized banks are actively participating in mid-term dividends, with Shanghai Bank, Nanjing Bank, Hangzhou Bank, Shanghai Rural Commercial Bank, and Ningbo Bank leading in dividend amounts [3]. - Notably, banks like Industrial Bank and Ningbo Bank are introducing mid-term dividend plans for the first time [3]. Group 3: Dividend Implementation - Several banks have specified the dates for dividend distribution, with Industrial and Agricultural Banks set to distribute cash dividends on December 15, 2025 [3]. - Bank of Communications has announced that it expects to distribute mid-term cash dividends to A-share shareholders on December 25, 2025 [3].

Group 1 - The core viewpoint of the article highlights that as of the end of November this year, over 35 million customers have opened personal pension accounts at the Industrial and Commercial Bank of China (ICBC) [1] - Among these customers, more than 30% are in the 30-40 age group, indicating a growing trend of younger individuals willing to save for retirement [1] - Additionally, over 80% of the deposited funds have been invested in financial products, showcasing a proactive approach to retirement savings [1]

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) is adjusting its management of personal precious metals trading business to adapt to market changes and protect investor rights [1] Group 1: Business Adjustments - ICBC will strengthen management of its agency business for personal precious metals trading at the Shanghai Gold Exchange [1] - Customers with no positions, no inventory, no debts, and a remaining balance in their margin accounts are advised to withdraw their funds promptly [1] - Starting from December 19, 2025, ICBC will transfer the balances of these customers' margin accounts to the linked settlement accounts and terminate related business functions [1] Group 2: Customer Impact - The agreements signed by customers with ICBC regarding the agency personal precious metals bidding trading business will be terminated after the closure [1] - Existing customers with open positions will not be affected by this business adjustment for their closing transactions [1] - Customers are encouraged to monitor related announcements and manage their positions to mitigate market risks [1]

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) announced an enhancement in the management of its personal precious metals trading business, in response to market changes and to protect investor rights [1][2]. Group 1: Business Changes - ICBC will strengthen management for its agency business related to the Shanghai Gold Exchange for personal precious metals trading [1][2]. - Customers with no positions, no inventory, no debts, and a remaining balance in their margin accounts are urged to withdraw their funds promptly [1][2]. Group 2: Account Closure - Starting from December 19, 2025, ICBC will batch transfer the remaining balances in the margin accounts of the specified customers to the linked settlement accounts and will close the related business functions [1][2]. - Following the closure, the agreement signed by customers regarding the agency personal precious metals bidding trading business will be terminated [1][2].

EF002 | 灣仔 | | | | | --- | --- | --- | --- | | 香港 | | | | | 代扣所得稅信息 | | | | | | | 請參考日期為2025年11月28日之2025年第二次臨時股東會投票表決結果公告內有關代扣 | | | 所得稅之詳情。 | | | | | | 股東類型 | 稅率 | 有關代預扣所得稅之更多補充 （如適用） | | | 非居民企業 | | | | | | | 根據《中華人民共和國企業所得稅 | | | （非中國內地登記地址） | 10% | 法》及其實施條例，本行向於股權 | | | | | 登記日登記在冊的H股非居民企業 | | | | | 股東派發股息時，有義務代扣代繳 | | | | | 企業所得稅，稅率為10%。對於截 | | | | | 止至股權登記日的H股股東名冊上 | | | | | 的所有以非個人名義登記的股東 | | | | | （包括香港中央結算（代理人）有 限公司，其他企業代理人或受託 | | | | | 人，或其他組織及團體皆被視為非 | | | | | 居民企業股東），本行將扣除10% | | | | | 的所得稅后派發20 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is enhancing management of its personal precious metals trading business to adapt to market changes and protect investor interests [1] Group 1: Business Changes - ICBC will batch transfer the margin account balances of clients with no positions, no inventory, and no debts to the settlement accounts linked to this business starting from December 19, 2025 [1] - After the transfer, the related business functions will be closed, and the agreement signed with clients regarding the personal precious metals bidding trading business will be terminated [1] Group 2: Client Actions - Clients with remaining funds in their margin accounts are urged to complete the fund withdrawal procedures as soon as possible [1]

二、中国工商银行金华分行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国 工商银行政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任 的，本批复文件失效，金华金融监管分局将办理行政许可注销手续。 三、中国工商银行金华分行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固 树立风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准吕建伟中国工商银行金华分行副行长的任职资格。 2025年12月11日，金华金融监管分局发布批复称，《中国工商银行（601398）浙江省分行关于吕建伟同 志任职资格审查的请示》（工银浙报〔2025〕134号）及相关补正、说明解释材料收悉。经审核，现批 复如下： ...

EF002 EF002 免責聲明 | 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 | | | --- | --- | | 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。 | | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中國工商銀行股份有限公司 | | 股份代號 | 01398 | | 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日止六個月之中期股息 | | 公告日期 | 2025年12月15日 | | 公告狀態 | 更新公告 | | 更新/撤回理由 | 更新派息金額及匯率 | | 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 | 2025年6月30日 | | 宣派股息 | 每 10 股 1.414 RMB | | 股東批准日期 | 2025年11月28日 | | 香港過戶登記處相關信息 ...