Core Viewpoint - Postal Savings Bank of China has received approval from the National Financial Regulatory Administration to absorb and merge with Postal Huinong Bank, which will enhance its management and business structure, strengthen digital transformation, improve operational efficiency, and reduce management costs [1] Group 1 - The approval for the merger was granted under document number Jin Fu [2025] 774 [1] - The merger will allow Postal Savings Bank to inherit the assets, liabilities, business, and employees of Postal Huinong Bank after asset verification [1] - This strategic move is aimed at optimizing the bank's management and business architecture [1] Group 2 - The merger is expected to consolidate the effectiveness of the bank's digital transformation [1] - It will lead to improved operational efficiency for Postal Savings Bank [1] - The initiative is also anticipated to lower management costs [1]

邮储银行公告，公司于2025年10月9日召开的临时股东大会审议通过了吸收合并邮惠万家银行的议案。 近日，公司收到国家金融监督管理总局的批复，批准公司吸收合并邮惠万家银行，并承接其清产核资后 的资产、负债、业务和员工。此次吸收合并旨在优化管理及业务架构，提高运营效率，降低管理成本。 邮惠万家银行为公司全资子公司，其财务报表已按100%比例纳入公司合并报表范围，本次吸收合并事 项不会对公司财务状况和经营成果产生影响。 ...

POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 2026年第一次臨時股東會之委任代表表格 本委任代表表格之股份數目 （附註2） 股H股 本人╱吾等 （附註1） 地址為 （附註1） ， 為中國郵政儲蓄銀行股份有限公司（「本行」） 股H股 （附註2） 之登記持有人， 現委任會議主席或 地址為 為本人╱吾等之代表，代表本人╱吾等出席本行謹定於2026年1月19日（星期一）下午3時於北 京市西城區金融大街3號金鼎大廈A座現場舉行之2026年第一次臨時股東會或其任何續會，並 於該會議或其任何續會代表本人╱吾等，依照下列指示就下列決議案投票，如無作出指示， 則由本人╱吾等之代表酌情決定投票。 | 普通決議案 | 贊成 | （附註4） | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 審議及批准選舉蘆葦先生為本行執行董事 | | | 1. | | | | | | | | | | 反對 | | | | | | | | | | （附註4） | | | | | | | | | | 棄權 | | | | | | | ...

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通告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本通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。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 2026年第一次臨時股東會通告 茲通告，中國郵政儲蓄銀行股份有限公司（「本行」）謹定於2026年1月19日（星 期一）下午3時於北京市西城區金融大街3號金鼎大廈A座現場舉行2026年第一 次臨時股東會（「臨時股東會」），以審議並通過以下普通決議案： 1. 審議及批准選舉蘆葦先生為本行執行董事。 承董事會命 中國郵政儲蓄銀行股份有限公司 杜春野 聯席公司秘書 中國，北京 2025年12月30日 於本通告日期，本行董事會包括董事長及非執行董事鄭國雨先生；執行董事姚紅女士；非執行 董事劉新安先生、張宣波先生、劉瑞鋼先生、胡宇霆先生、丁向明先生及余明雄先生；獨立非 執行董事溫鐵軍先生、鍾瑞明先生、潘英麗女士、唐志宏先生、洪小源先生及楊勇先生。 * 中國郵政儲蓄銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可 ...

Group 1 - Postal Savings Bank of China announced adjustments to its credit card online channel services, integrating credit card functions into the "Postal Savings Bank App" [2][5] - After the integration, the "Postal Savings Credit Card App" will no longer be in use, but customers can continue to access credit card services through mobile banking and other channels [2][5] - The bank had previously indicated this integration, with a notice on November 15 stating the suspension of new customer registrations, card binding, and activation services for the Postal Savings Credit Card App, while existing customers can still use the app [2][5] Group 2 - The Beijing Financial Regulatory Bureau issued a significant administrative penalty against the credit card center of Postal Savings Bank for multiple violations, including charging full fees for early repayments [3][6] - The credit card center was fined 3 million yuan for six violations, and three responsible individuals received warnings and fines of 50,000 yuan each [3][6] - Violations included improper management of credit issuance, inadequate transaction monitoring, and inaccuracies in EAST data reporting [3][6]

此乃要件 請即處理 閣下如對本通函任何方面或應採取的行動有任何疑問，應諮詢 閣下的股票經紀或 其他註冊證券商、銀行經理、律師、專業會計師或其他專業顧問。 閣下如已將名下全部中國郵政儲蓄銀行股份有限公司股份售出或轉讓，應立即將本 通函及委任代表表格交予買方或承讓人，或送交經手買賣或轉讓的銀行、股票經紀 或其他代理商，以便轉交買方或承讓人。 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通函的內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本通函全部或任何 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。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 選舉蘆葦先生為本行執行董事 及 2026年第一次臨時股東會通告 中國郵政儲蓄銀行股份有限公司謹定於2026年1月19日（星期一）下午3時於北京市西 城區金融大街3號金鼎大廈A座現場舉行臨時股東會。董事會函件載於本通函第2頁至 4頁。臨時股東會通告載於本通函第5頁至6頁。 不論 閣下能否出席臨時股東會，務請細閱臨時股東會通告。如 閣下欲委託代理 人出席臨時股東會， 閣下須按委任代表表格 ...

Core Viewpoint - The recent leadership changes at China CITIC Bank and Postal Savings Bank of China highlight significant shifts in management roles within the banking sector, with Lu Wei resigning from CITIC Bank and being nominated as the executive director and president of Postal Savings Bank [1] Group 1: Leadership Changes - Lu Wei has resigned from his positions as executive director, president, and chairman of the Risk Management Committee at China CITIC Bank due to work adjustments [1] - The board of directors at China CITIC Bank has approved a resolution for Fang Heying to assume the responsibilities of president [1] Group 2: New Appointment at Postal Savings Bank - Postal Savings Bank's board has approved the nomination of Lu Wei as a candidate for executive director and has agreed to appoint him as the bank's president, pending approval from the National Financial Regulatory Administration [1]

Core Insights - The article discusses the increasing focus of banks on year-end bonus financial products, highlighting the diverse investment strategies adopted by individuals to manage their bonuses effectively [2][5][7]. Group 1: Bank Marketing Strategies - Banks are actively promoting year-end bonus financial products across various platforms, including mobile banking apps and official WeChat accounts, covering a wide range of offerings such as deposits, insurance, funds, and precious metals [2][3]. - For instance, the Bank of Communications launched a special section for year-end bonuses featuring nine low-risk financial products with annualized returns of up to 5.00% [2]. - Postal Savings Bank offers three low to medium-risk financial products with varying redemption periods and annualized returns ranging from 1.45% to 4.70% [3]. Group 2: Individual Investment Strategies - Individuals exhibit varied approaches to managing their year-end bonuses, with some opting for guaranteed savings through fixed deposits, while others are inclined towards insurance products or short-term investments like treasury reverse repos [5][6]. - A Shanghai white-collar worker plans to allocate part of her bonus to critical illness insurance and an education savings fund, emphasizing the importance of financial security for her family [5]. - In contrast, a Guangzhou white-collar worker prefers treasury reverse repos for their short-term stability and liquidity, aiming for a modest return of around 1.6% to 2% during holiday periods [5][6]. Group 3: Expert Recommendations - Experts advise investors to be cautious of potential issues such as mismatched product durations, hidden fees, and the impact of short-term marketing on long-term asset allocation strategies [7]. - It is recommended that investors categorize their bonuses into different segments for various financial needs, such as immediate expenses, insurance, stable investments, and growth-oriented investments [7]. - A sustainable approach suggested by experts involves leveraging customer data to provide tailored wealth management solutions that align with individual income structures and financial stages [8].

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced a slight decline of 0.31% on December 30, with the Bank of Communications leading the drop [1] - The Shanghai Composite Index closed at 3965.12, showing no change, while the Shenzhen Component Index rose by 0.49% to 13604.07 [1] - The trading performance of individual state-owned banks varied, with Postal Savings Bank gaining 0.37% and Bank of Communications falling by 1.76% [1] Group 2 - The net outflow of main funds from the state-owned large bank sector was 143 million yuan, while retail investors saw a net inflow of 180 million yuan [1] - The detailed fund flow for individual banks showed that Agricultural Bank and Bank of Communications had significant net outflows from main funds, while retail investors contributed positively to their inflows [2] - The data indicates that the main funds were predominantly negative for most banks, with the exception of Industrial and Commercial Bank, which had a net inflow of approximately 533 million yuan from speculative funds [2]

Core Viewpoint - The Postal Savings Bank of China's Luoyang branch has been actively promoting the "Sunshine Credit" initiative since 2025 to enhance transparency in financial services and build public trust in credit operations [1][2] Group 1: Promotion Activities - The bank has implemented a multi-dimensional promotional model by engaging with business circles, enterprises, and service points to ensure comprehensive outreach [1] - A three-in-one promotional matrix has been established, centered around the bank's service points, incorporating "service points + halls + counters" [1] - The bank has set up thematic posters and animated videos in service points to visually present the entire credit application, approval, and disbursement process, making it easier for customers to understand the "Sunshine Credit" services [1] Group 2: Public Engagement and Transparency - The bank has proactively disclosed supervision and reporting channels, encouraging public participation in oversight to foster a community governance atmosphere [1] - Staff members distribute "Sunshine Credit Supervision Cards" to customers, providing detailed one-on-one explanations of loan application conditions, processes, and interest rate policies to ensure clear understanding of credit services [1] - The promotional activities have significantly increased awareness and transparency of the bank's credit services, demonstrating its commitment to inclusive finance and public service [2] Group 3: Economic Impact - The "Sunshine Credit" initiative is expected to promote more transparent, efficient, and secure financial services, thereby providing stronger financial support for the high-quality economic development of Luoyang City [2]