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Core Viewpoint - The accelerated closure of physical bank branches reflects a significant transformation in the banking industry, shifting from traditional physical service models to digital and intelligent banking services [1][3][4]. Group 1: Branch Closures and Industry Trends - As of June 30, 2023, a total of 2,677 commercial bank branches have closed across various types of banks, including state-owned, joint-stock, city commercial, rural commercial, and foreign banks [2][3]. - The number of branch closures in the first half of 2023 has already surpassed the total number of closures expected in 2024, which is projected to be 2,533 [2]. - The closures are primarily driven by the inefficiency and redundancy of physical branches, as digital transformation progresses [2][3]. Group 2: Strategic Adjustments and Resource Allocation - Banks are strategically reallocating resources by closing low-efficiency branches, allowing them to focus on more valuable business areas and innovation projects, such as digital transformation and intelligent services [3][4]. - The shift in branch strategy indicates a change in competitive focus from physical metrics like branch count to softer factors such as customer experience, service quality, and technological innovation [4]. Group 3: Cost and Service Efficiency - The high operational costs associated with maintaining physical branches have become more pronounced, leading banks to opt for closures while still meeting customer service needs [6]. - Banks like Industrial and Commercial Bank of China are reforming branch operations to enhance service delivery, focusing on high-frequency services and proactive customer engagement [6]. Group 4: Balancing Online and Offline Services - The transition does not imply a complete replacement of physical branches; there remains a need for in-person services, especially for vulnerable groups [7]. - Future bank branches are expected to evolve into comprehensive service centers, providing high-value services while utilizing technology for standard transactions [9]. Group 5: Regulatory Considerations - The financial regulatory authority has acknowledged concerns regarding service gaps due to branch closures and is guiding banks to ensure adequate physical presence in underserved areas [8].