Core Points - The Industrial and Commercial Bank of China (ICBC) has resumed accepting applications for the "Ruyi Gold Accumulation" business, including account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals [1][2] - Customers can process various Ruyi Gold Accumulation services through ICBC branches and the ICBC app [1][2] - The bank advises customers to pay attention to fluctuations in the gold market and enhance risk awareness to protect their asset security [1][2] Summary by Category - **Business Resumption** - ICBC has restarted the acceptance of applications for the Ruyi Gold Accumulation business [1][2] - Services include account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals [1][2] - **Customer Access** - Customers can access these services through ICBC's physical branches and the ICBC mobile application [1][2] - **Market Advisory** - The bank recommends that customers monitor gold market fluctuations and improve their risk prevention awareness [1][2]

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced the resumption of its "Ruyi Gold Accumulation" business, allowing customers to apply for account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals [1] Group 1 - ICBC will accept applications for the "Ruyi Gold Accumulation" business through various channels, including bank branches and the ICBC app [1] - The bank advises customers to pay attention to fluctuations in the gold market and to enhance risk awareness to protect their assets [1]

北京商报讯（记者 孟凡霞 周义力）11月3日晚间，工商银行发布公告称，该行现已恢复受理如意金积存 业务的开户、主动积存、新增定期积存计划以及提取实物的申请。投资者可通过该行营业网点、中国工 商银行App等渠道办理各类如意金积存业务。同时，建议投资者关注黄金市场波动，提高风险防范意 识，守护自身资产安全。 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年10月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 中國工商銀行股份有限公司 呈交日期: 2025年11月3日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01398 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 2. 股份分類 | 普通股 | ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is committed to enhancing its investment in pension finance and developing a comprehensive service ecosystem to support the high-quality development of the silver economy [1] Group 1: Pension Financial Service System - ICBC has established a "1+2+3+N" pension financial service system, which includes one government-oriented service plan and three supporting plans for pension enterprises, individual pensions, and comprehensive financial services [1] - The bank aims to support the national pension security system, silver economy development, resident pension wealth, elderly-friendly society, and the informatization of elderly work [1] Group 2: Service Accessibility and Convenience - ICBC is enhancing service accessibility by launching the "Hundred-Thousand-Million Project," which aims to create 100 flagship pension financial outlets, 1,000 benchmark pension financial outlets, and 10,000 ordinary pension financial outlets [1] - Within a year, ICBC has established 6,400 various outlets, with 41% of its outlets now capable of providing pension financial services, and is expected to meet its target a year ahead of schedule [1] Group 3: Human-Centric Service Teams - ICBC has formed three teams to inject a human touch into its service system, including at least one "pension service consultant" at each outlet, retired employees as "pension service experience volunteers," and a "youth volunteer team" for community outreach [2] - The bank has collected over 1,500 valuable suggestions from these volunteers to optimize processes and products [2] Group 4: Diverse Financial Products - ICBC offers a variety of pension service products to meet diverse needs, including the "ICBC Pension" service for corporate annuities, managing over 1.7 trillion yuan in corporate annuities [2] - The bank has introduced "Pension REITs" services to address financing challenges for pension institutions and created a free, secure "Silver Industry Cloud" platform for government, institutions, and individuals [2] Group 5: Localized Service Initiatives - ICBC Chengdu Branch has developed a comprehensive pension financial service model tailored to local needs, managing the largest scale of entrusted pension business in the region, accounting for about 30% of the market [3] - The branch has created a series of themed activities in collaboration with local governments and communities, enhancing customer engagement and receiving widespread acclaim [3]

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年10月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 中國工商銀行股份有限公司 呈交日期: 2025年11月3日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01398 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 2. 股份分類 | 普通股 | ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) reported a slight increase in net profit and revenue for the first three quarters of 2025, indicating a recovery in earnings and a stable financial position [1][2]. Financial Performance - ICBC achieved operating revenue of 640 billion yuan, a year-on-year increase of 2.2% [1]. - The net profit attributable to shareholders reached 269.9 billion yuan, reflecting a modest growth of 0.3% year-on-year [1]. - The annualized weighted average Return on Equity (ROE) stood at 9.3% [1]. Asset and Loan Growth - As of the end of Q3 2025, ICBC's total assets reached 52.8 trillion yuan, marking a year-on-year growth of 9.2% [1]. - Loans increased by 8.4% year-on-year, while deposits grew by 8.0% [1][3]. Income Breakdown - Non-interest income showed strong performance, growing by 11.3% year-on-year, with a notable increase in other non-interest income, which rose by 27.6% [2]. - Net interest income experienced a slight decline of 0.7% year-on-year [2]. Margin and Cost Management - The net interest margin for Q3 2025 was 1.28%, a decrease of 15 basis points year-on-year [3]. - The cost of interest-bearing liabilities decreased, contributing to the stabilization of the net interest margin [3]. Asset Quality and Risk Management - The non-performing loan (NPL) ratio remained stable at 1.33%, with a slight year-on-year decrease of 2 basis points [4]. - The provision coverage ratio was 217.2%, indicating a strong risk mitigation capacity [4]. Investment Outlook - ICBC is positioned as a stable investment with high dividend attributes, supported by a solid customer base and cost advantages [4]. - The bank's earnings per share (EPS) forecasts for 2025-2027 are 1.03, 1.06, and 1.09 yuan, with corresponding profit growth rates of 0.7%, 2.3%, and 3.4% [4].

Core Insights - The company is actively implementing the national strategy to integrate artificial intelligence with the real economy, responding to government policies such as the "AI+" action plan and the New Generation Artificial Intelligence Development Plan (2025-2030) [1] - The company has launched the "Leading AI+ Action Plan" in 2025, focusing on core technology breakthroughs, key scenario construction, data value release, and AI talent cultivation [1] Group 1 - The company has developed a Serverless AI-based intelligent computing cloud platform, enhancing the intelligent scheduling and centralized management of computing resources [2] - The platform focuses on five areas: elastic supply of intelligent computing, performance optimization, cloud-data integration scheduling, intelligent operation and maintenance, and cost-oriented FinOps governance [2] - The architecture allows for on-demand supply of Serverless computing resources, achieving elastic scaling and heterogeneous resource sharing [2] Group 2 - The project has led to the company's pioneering achievement in autonomous innovation and platform reconstruction of intelligent computing systems in the financial industry [3] - The intelligent computing cloud platform has significantly improved the efficiency of key business processes such as model inference, intelligent risk control, and customer profiling [3] - The platform has saved over 3000 physical servers and nearly 1000 GPU graphics cards, resulting in cost savings exceeding 200 million yuan [3]

Core Points - The stock price of Industrial and Commercial Bank of China (ICBC) increased by 2.06% on November 3, reaching 7.94 CNY per share, with a total market capitalization of 2829.87 billion CNY [1] - Year-to-date, ICBC's stock price has risen by 20.08%, with a 0.38% increase over the last five trading days, 7.15% over the last twenty days, and 4.20% over the last sixty days [1] - As of September 30, 2025, ICBC reported a net profit of 269.91 billion CNY, reflecting a year-on-year growth of 0.33% [2] Financial Performance - For the period from January to September 2025, ICBC achieved an operating revenue of 0.00 CNY, while the net profit attributable to shareholders was 2699.08 million CNY [2] - The bank has distributed a total of 1525.29 billion CNY in dividends since its A-share listing, with 327.15 billion CNY distributed over the past three years [2] Shareholder Information - As of September 30, 2025, the number of ICBC shareholders increased to 759,600, up by 12.74% from the previous period [2] - The average number of circulating shares per shareholder decreased by 13.25% to 409,802 shares [2] - Major shareholders include China Securities Finance Corporation and Hong Kong Central Clearing Limited, with notable changes in their holdings [2]

今日上午，工商银行发布关于暂停受理部分如意金积存业务申请的公告。 工行称，受到宏观政策影响，根据工商银行风险管理要求，自2025年11月3日起，工商银行暂停受理如意金 积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请。 但存量客户处于有效期内的定期积存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关 注工商银行后续公告。 "应该不是窗口指导，目前我行没有接到有关部门就积存金业务的相关最新通知。"一名银行人士明确告诉智 通财经记者。 这一消息迅速引发市场关注。从公开信息看，这是本轮黄金价格大幅波动后，首家国有大行对外公告暂停 部分黄金积存业务。 就这一公告，智通财经记者上午联系工行相关人士，试图了解进一步情况，但至发稿时止，未能获得回 应。 业内：或涉实物金积存，与账户类交易业务关系不大 不过，多位受访银行业内人士对记者表示，工行此举或仅为自选动作，与普通的账户类黄金积存业务关系 不大。 有头部股份行贵金属业务负责人对记者表示。该人士表示，工行如意金的业务调整应该是涉及到实物金的 积存，这是工行的自营业务，涉及到开票问题，所以才会暂停。一般情况下，大部分的银行积存金都是账 户类的，基本不 ...