北京市建国门北大街 8 号华润大厦 20 层 申话:(86-10) 8519-1300 传真:(86-10) 8519-1350 北京市君合律师事务所(以下简称"本所")接受中国邮政储蓄银行股份有 限公司(以下简称"贵公司")的委托,就贵公司2025年第三次临时股东会(以 下简称"本次会议")召集、召开的有关事宜,根据《中华人民共和国公司法》 (以下简称"《公司法》")、中国证券监督管理委员会《上市公司股东会规则》 (以下简称"《股东会规则》")等中国(为出具本法律意见书之目的,不包括 香港特别行政区、澳门特别行政区及台湾省)法律、法规、规章及贵公司现行有 效的《中国邮政储蓄银行股份有限公司章程》(以下简称"《公司章程》")的 有关规定,出具本法律意见书。 为出具本法律意见书之目的,本所委派律师(以下简称"本所律师")列席 了贵公司本次会议,并根据现行法律、法规、规章的有关规定及要求,按照律师 行业公认的业务标准、道德规范和勤勉尽责精神,对贵公司提供的与本次会议召 开有关的文件和事实进行了核查和验证,在此基础上,本所律师对本法律意见书 出具之目及以前所发生的相关事实发表法律意见如下: 一、关于本次会议的召集和 ...

| 1、出席会议的股东和代理人人数 | 2,398 | | --- | --- | | 其中：A 股股东人数 | 2,391 | | 境外上市外资股股东人数（H 股） | 7 | | 2、出席会议的股东所持有表决权的股份总数（股） | 106,835,005,677 | | 其中：A 股股东持有股份总数 | 91,767,289,074 | | 境外上市外资股股东持有股份总数（H 股） | 15,067,716,603 | | 3、出席会议的股东所持有表决权股份数占本行有表决权股 | | | 份总数的比例（%） | 89.074140 | 证券代码：601658 证券简称：邮储银行 公告编号：2025-064 中国邮政储蓄银行股份有限公司 2025年第三次临时股东会决议公告 中国邮政储蓄银行股份有限公司董事会及全体董事保证本公告内容不存 在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和 完整性承担法律责任。 重要内容提示： 本次会议是否有否决议案：无 一、 会议召开和出席情况 1 (一) 股东会召开的时间：2025 年 12 月 19 日 (二) 股东会召开的地点：北京市西城区金融大街 3 ...

Core Insights - The article highlights the successful financing of YuHuan Weis Electric Co., Ltd. through a tailored mortgage loan of 38 million yuan from Postal Savings Bank, which has significantly boosted the company's production capacity and R&D investment [1][2]. Group 1: Company Overview - YuHuan Weis Electric is a high-tech enterprise specializing in power electronic components, holding 13 practical invention patents [2]. - The company’s main product, new energy electric vehicle charging piles, has become integral to local communities, supporting green transportation and smart community development [2]. Group 2: Financial Support and Impact - The company faced challenges in expanding production and R&D due to its "light asset, heavy technology" model, which made traditional financing difficult [2]. - Postal Savings Bank's "Party Building + Sci-tech Finance" model enabled the bank to recognize the company's core technology and patent value, leading to a swift approval of the loan [2][3]. - The loan allowed YuHuan Weis Electric to quickly enhance production capacity, alleviate order delivery pressure, and improve product competitiveness through accelerated R&D [3]. Group 3: Bank's Financial Strategy - Postal Savings Bank has developed innovative financial products and services to support tech enterprises, including Sci-tech credit loans and green project financing, breaking traditional collateral restrictions [3]. - In 2023, the bank provided comprehensive financial services to 1,063 tech enterprises, issuing loans totaling 7.156 billion yuan, which accounted for 46.86% of the bank's small enterprise loan disbursements [3]. Group 4: Future Plans - The bank plans to continue enhancing its sci-tech financial service system, focusing on channeling financial resources into technology innovation to support regional economic transformation towards green and intelligent development [4].

Group 1: Corporate Governance Changes - The six major state-owned banks in China have all abolished their supervisory boards, with Postal Savings Bank being the latest to announce this change, allowing the audit committee of the board to assume the supervisory functions [1] - Other commercial banks, including Huaxia Bank and Beijing Bank, are also in the process of removing their supervisory boards [1] Group 2: Regulatory Investigations - Postal Savings Bank is under self-regulatory investigation for alleged violations during the underwriting of debt financing instruments, which may involve issues like abnormal underwriting fees and price competition [2] Group 3: Deposit Trends - A significant wave of high-interest deposits is set to mature, with an estimated 72 trillion yuan in high-interest deposits maturing by the end of 2025, leading to a potential structural improvement in banks' liability costs [3] - In October, household deposits decreased by 1.34 trillion yuan, while non-bank financial institutions saw an increase of 1.85 trillion yuan in deposits [3] Group 4: Credit Card Issuance Decline - The number of credit cards in China has decreased by 10 million over the past three years, with a total of 7.07 billion credit cards and loan cards issued as of the end of Q3 2023 [4] Group 5: Preferred Stock Redemption - Nine banks have redeemed preferred shares this year, a significant increase compared to only two banks in the previous year, with the largest redemption being 560 billion yuan by Industrial Bank [5] Group 6: Precious Metals Business Adjustments - Banks are increasingly managing risks associated with leveraged precious metals accounts, with recent actions including the termination of agency relationships for long-standing accounts [6] Group 7: Regulatory Penalties - Citic Bank's Chengdu branch was fined 2.3 million yuan for various non-compliant financial practices, while four other branches faced a total fine of 2.5 million yuan [7] Group 8: Insurance Sector Developments - The CEO of Taikang Life, Cheng Kangping, has stepped down after nine years, with Xue Jihua taking over, marking a significant leadership change in the company [8] - Fuzhou Life Insurance has been approved to acquire all insurance business from Jun Kang Life Insurance, indicating consolidation in the insurance sector [8] Group 9: Consumer Finance Updates - Nanyin Fabao Consumer Finance has increased its registered capital to 6 billion yuan, ranking fourth among consumer finance companies in China [9] - Changsha Bank plans to invest up to 1.55 billion yuan in its subsidiary, Hunan Changyin 58 Consumer Finance, to increase its ownership stake [9] Group 10: Financial Technology Changes - Kuaqian Payment's actual controller has changed to Ke Liming, marking a significant shift in ownership away from the Wanda Group [10] - Deyunsheng Microfinance was ordered to rectify issues found during a regulatory inspection, indicating ongoing scrutiny in the microfinance sector [10]

Core Insights - The article highlights the successful acquisition of a 20 million yuan pure credit loan by Zhejiang Hangtong Machinery Manufacturing Co., Ltd. from Postal Savings Bank, enabling the company to purchase new land and maintain liquidity for production expansion [1][3]. Group 1: Company Overview - Zhejiang Hangtong Machinery is a provincial specialized and innovative enterprise and a national high-tech enterprise, currently facing critical growth and transformation challenges [1]. - The company plans to acquire new land to expand its factory and increase production capacity, but has encountered significant funding challenges [1]. Group 2: Financial Challenges - The company faces three main financial hurdles: a large funding gap for land acquisition, concerns about depleting working capital affecting raw material procurement and order fulfillment, and a lack of additional collateral for traditional financing due to existing mortgages [1][3]. Group 3: Financial Support and Solutions - Postal Savings Bank's Taizhou branch has tailored a financial solution for Hangtong Machinery, emphasizing the importance of adapting financial services to support specialized and innovative enterprises [3]. - A professional team from the bank conducted a comprehensive due diligence assessment, focusing on the company's 44 patented technologies and market advantages, leading to the approval of a 20 million yuan pure credit loan with a five-year term [3][4]. - The loan is designed to support working capital during the construction of the new factory, ensuring the procurement of raw materials and fulfilling existing orders [4]. Group 4: Broader Financial Initiatives - Postal Savings Bank has been actively enhancing its financial services for technology-driven enterprises, offering specialized products like the "Science and Technology Innovation Loan" with credit limits up to 100 million yuan [4]. - The bank aims to continue supporting the growth of specialized and innovative enterprises by optimizing financial products and service models, thereby facilitating the transformation of knowledge into capital [4].

Core Viewpoint - The article highlights the proactive measures taken by Postal Savings Bank in response to the severe flooding in Lingying County, Henan Province, focusing on the launch of the "Yunongdan - Disaster Relief Loan" to support local agricultural recovery efforts [1][2]. Group 1: Financial Product Overview - The "Yunongdan - Disaster Relief Loan" is designed for new agricultural entities affected by natural disasters, including family farms, large-scale farmers, cooperatives, and small agricultural enterprises [1]. - Since the product's launch in November, the bank has issued 1.5 million yuan in disaster relief loans, with an additional 5 million yuan in loans expected to be disbursed [2]. Group 2: Service Implementation - The bank has implemented three precise service measures to ensure the loan meets local needs, including on-site visits to assess the situation of affected farmers and cooperatives [1]. - The bank has streamlined the loan approval process and simplified application materials to enhance lending efficiency, addressing the urgent financial needs of the affected parties [1]. Group 3: Future Plans - The bank plans to deepen collaboration with local agricultural and financial authorities to expand the coverage of the disaster relief loan in rural areas and ensure continued support for winter agricultural production [2].

Core Viewpoint - Postal Savings Bank of China (PSBC) Nanhsiung Branch is launching a plan to integrate financial services with red culture, aiming to establish a benchmark project for financial and cultural innovation in Nanhsiung City [2][3][10]. Group 1: Project Overview - The Nanhsiung Branch's plan is based on the rich red cultural resources of Guangdong Province's only central Soviet area county, focusing on deep integration of financial services and cultural heritage [2][3][5]. - The branch is positioned in a prime location near museums and large communities, providing a solid foundation for its unique development [8]. Group 2: Key Objectives - The branch has set three core construction goals: 1. To create an immersive red cultural experience and establish a significant cultural brand in the region [11]. 2. To enhance business quality, targeting an annual compound growth rate of 8% in average daily deposits over the next three years and aiming for a customer satisfaction rate of 100% [12]. 3. To strengthen social impact, with plans to reach over 300 individuals through cultural dissemination and provide accessible services to over 500 special groups annually [13][14]. Group 3: Financial Products and Services - The branch will introduce specialized financial products and services, such as "Red Loan" and "Soviet Area Loan," to support the development of red tourism projects [16][17]. - It will also issue red culture-themed bank cards and commemorative coins to promote red culture through financial means [18]. Group 4: Community Engagement - The branch plans to provide various services for elderly and special groups, including accessibility facilities and home services, aiming to serve over 500 individuals annually [19]. - Regular events such as red story sharing sessions and financial education workshops will be held to enhance community engagement and financial literacy [26]. Group 5: Strategic Importance - The establishment of the red culture characteristic branch is seen as an innovative attempt at branch transformation and a practical effort to pass on red genes and empower the development of the Soviet area [27][28]. - The branch aims to inject financial vitality into the red cultural tourism industry, striving to become a model for the integration of finance and culture in the northern Guangdong region [29].

Core Viewpoint - Dongjiang Environmental announced that it will continue to fulfill its guarantee compensation responsibility of 1.3732 million RMB (approximately 0.13732 million) to Postal Savings Bank due to Mianyang Dongjiang's inability to repay the loan [1] Group 1 - Dongjiang Environmental is facing financial difficulties as Mianyang Dongjiang is unable to repay its loans [1] - The company will incur a liability of 1.3732 million RMB for loan interest payments [1]

Group 1 - The core viewpoint of the news is that A-share listed banks are expected to distribute significant cash dividends, with a total expected amount exceeding 260 billion yuan, indicating a trend towards increased shareholder returns [1][2] - As of December 17, 2025, 26 A-share listed banks have disclosed their mid-term or quarterly dividend plans, surpassing the 24 banks that did so for 2024 [1][2] - The six major state-owned banks are the main contributors to this dividend distribution, with a total cash dividend expected to exceed 200 billion yuan, accounting for over 70% of the total dividends from all listed banks [2] Group 2 - The Industrial and Commercial Bank of China leads the dividend distribution with 50.396 billion yuan, followed by other major banks such as China Construction Bank and Agricultural Bank of China [2] - Several banks, including China Merchants Bank and Changsha Bank, are initiating mid-term dividends for the first time, with a total dividend amount of approximately 23 billion yuan [2] - The trend of high-frequency dividends aligns with national policy directives aimed at enhancing the quality of capital market development and protecting investor rights [3][4] Group 3 - The increase in dividend frequency is seen as a positive response to policy guidance, providing a model for other listed companies to improve their dividend mechanisms [4] - High-frequency dividends not only enhance shareholder satisfaction but also meet the investment needs of long-term funds such as social security and pension funds [4][5] - The banking sector's move towards mid-term dividends is expected to positively impact stock prices and the overall banking sector, signaling strong profitability and ample cash flow [6]

Core Viewpoint - Postal Savings Bank of China Suqian Branch is actively enhancing public awareness of anti-fraud and anti-money laundering measures through a comprehensive promotional campaign aimed at maintaining financial order stability [1][2] Group 1: Promotional Activities - The bank has organized a special campaign focusing on anti-telecom network fraud and anti-money laundering, utilizing various promotional measures to strengthen financial security [1] - In-branch promotional efforts include the use of televisions, posters, and banners to disseminate information about common fraud types, money laundering methods, and payment security knowledge [1] - A consultation desk has been established where professional staff provide answers to customer inquiries and explain the core content of the new Anti-Money Laundering Law [1] Group 2: Media Outreach - The bank is expanding its outreach through WeChat, official websites, and SMS platforms to regularly share policy interpretations, case analyses, and fraud prevention tips [1] - Employees are encouraged to share this information in social media groups to raise public awareness and ensure comprehensive coverage of anti-fraud and anti-money laundering knowledge [1] Group 3: Employee Training and Community Engagement - The bank is conducting multi-level training for employees to enhance their skills in identifying fraud and money laundering behaviors, thereby improving their professional service capabilities [2] - Employees are also actively promoting anti-fraud and anti-money laundering knowledge during customer interactions, emphasizing the societal dangers of participating in money laundering activities [2] - The promotional team is engaging with various community groups, including schools and businesses, through the distribution of informational materials and on-site explanations to ensure widespread financial safety knowledge [2] Group 4: Future Plans - The bank plans to continue reinforcing the effectiveness of its promotional efforts by innovating and diversifying its outreach methods, aiming for regular financial safety campaigns [2] - The ultimate goal is to protect public assets and contribute to maintaining financial order and a secure financial environment [2]