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 ...

【突发！工商银行暂停受理新增黄金积存业务】11月3日，工商银行发布公告："受宏观政策影响，根据 我行风险管理要求，自2025年11月3日起，我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，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，请关注我行后续公告。"中经记者 郝亚娟 夏欣 上海、北京报道 ...

Investment Rating - The report maintains a "Recommended" rating for the company [1][4][8] Core Views - The company achieved a year-on-year revenue growth of 2.2% in the first three quarters of 2025, with a net profit attributable to shareholders of 2,699 billion yuan, reflecting a slight increase of 0.3% year-on-year [4][7] - The annualized weighted average ROE stands at 9.3%, indicating stable profitability [4][8] - Non-interest income showed significant improvement, growing by 11.3% year-on-year, contributing to the overall revenue recovery [7][8] Summary by Sections Financial Performance - For the first three quarters of 2025, the company reported operating income of 640 billion yuan, a 2.2% increase year-on-year, and a net profit of 2,699 billion yuan, up 0.3% year-on-year [4][7] - The annualized net interest margin for Q3 2025 was 1.28%, a decrease of 15 basis points year-on-year, but showing signs of stabilization [7][8] Asset Quality - The non-performing loan (NPL) ratio remained stable at 1.33%, with a slight year-on-year decrease of 2 basis points, indicating manageable risk levels [8][9] - The provision coverage ratio was reported at 217.2%, maintaining a high level of risk mitigation capacity [8][9] Growth Projections - The company expects EPS for 2025 to be 1.03 yuan, with projected growth rates of 0.7% for 2025, 2.3% for 2026, and 3.4% for 2027 [7][10] - The projected price-to-book (P/B) ratios for 2025, 2026, and 2027 are 0.72x, 0.67x, and 0.63x respectively, indicating a favorable valuation [7][10] Strategic Outlook - The company is positioned as a leading commercial bank in China, benefiting from a solid customer base, cost advantages, and robust asset quality [8][9] - The ongoing "GBC+" strategy is expected to enhance business demand through improved customer engagement and internal capital circulation [8][9]