Core Viewpoint - The article highlights a customer service success story at the China Construction Bank (CCB) branch in Jining, where staff effectively assisted an elderly customer in retrieving a long-lost deposit, showcasing the bank's commitment to customer needs and service quality [1] Group 1: Customer Service Experience - An elderly man discovered a record of a deposit from over a decade ago on his mobile banking app but had lost the physical deposit certificate [1] - The branch manager calmly reassured the customer and guided him through the process of verifying the deposit using a smart teller machine [1] - The bank staff provided professional and efficient service, helping the customer complete the procedures for reporting the loss and reissuing the deposit certificate [1] Group 2: Commitment to Customer Needs - The CCB Jining branch prioritizes customer needs, demonstrating a strong service attitude and professional capabilities to resolve client issues [1] - The bank aims to continuously improve service quality and uphold its commitment to customer satisfaction, ensuring that clients feel valued and supported [1]

Core Viewpoint - The development of the Qinghai dairy industry, particularly yogurt, has been significantly supported by Postal Savings Bank of China through innovative financial products and optimized credit structures, enabling the industry to adapt to market changes and enhance product quality [1][2]. Group 1: Financial Support for Dairy Industry - Postal Savings Bank of Qinghai Province has actively engaged in credit village construction to address funding issues for local dairy farmers, resulting in over 70 households in Binggou Village raising yaks and dairy cows [2]. - The bank has increased support for key segments of the dairy supply chain, including processing, ranch construction, and cold chain logistics, by providing loans for production scale expansion and technological upgrades [2]. Group 2: Integration of Traditional Craft and Modern Technology - The Qinghai dairy industry has achieved scale expansion and the integration of traditional methods with modern technology, enhancing production efficiency and product stability [3]. - A specific dairy company in Qinghai has adopted modern fermentation technology and developed techniques such as probiotic addition and low-temperature freeze-drying, extending product shelf life while maintaining traditional flavors [3]. Group 3: Comprehensive Financial Services - Postal Savings Bank of Qinghai Province has established a comprehensive financial support system that covers financing, settlement, and management, facilitating the expansion of Qinghai yogurt into broader markets [4]. - The bank has developed a product system that includes first loans, renewal loans, and credit loans, along with an online platform providing integrated services for financing, payment settlement, and wealth management, promoting digital transformation in traditional industries [4].

丛林指出，当前仍处于"七下八上"防汛关键期，要提高工作主动性和前瞻性，密切关注重要灾害信息， 做好风险预警，强化应对准备，提升应急保障能力，确保遇有突发险情，及时有力应对处置，以实际行 动体现金融工作的政治性和人民性。 责任编辑：秦艺 近日，金融监管总局党委委员、副局长丛林先后赴北京市密云区大城子镇苍术会村、河南寨镇，河北兴 隆县六道河镇周家庄村，现场查看受灾受损情况，督导保险理赔等金融服务工作，看望慰问银行业保险 业服务防汛救灾基层员工。 丛林强调，要认真学习贯彻习近平总书记关于防汛救灾工作的重要指示精神，全面落实国务院常务会议 有关部署安排，在地方党委政府和有关部门统一指挥调度下，扎实开展工作，全力抢险救灾。要充分发 挥保险业的经济减震器和社会稳定器功能，积极体现银行业支持灾后恢复重建重要作用，最大限度减少 人民群众财产损失。要及时开展查勘救援工作，畅通绿色通道，主动靠前服务，做到能赔快赔、应赔尽 赔、合理预赔。要强化信贷支持，不盲目抽贷、断贷、压贷，加大普惠金融服务，帮助受灾农户、小微 企业和个体工商户渡过难关。 ...

Group 1 - The meeting titled "Financial Services State-Owned Enterprises Join Hands to Promote Development" was successfully held at Dongtai Rural Commercial Bank, emphasizing the collaboration between CITIC Bank Yancheng Branch and local enterprises [1] - CITIC Bank Yancheng Branch has invested significant financial resources in Dongtai and aims to strengthen cooperation with both state-owned and private enterprises to support high-quality development in the region [1][2] - Dongtai Rural Commercial Bank is encouraged to focus on local banking, enhance credit investments in manufacturing, rural revitalization, and urban construction, providing solid financial support for the city's economic and social development [1] Group 2 - During the meeting, leaders from CITIC Bank Yancheng Branch and Dongtai Rural Commercial Bank introduced their respective banks, and discussions on state-owned enterprise special credit business were held [2] - The successful meeting facilitated communication and mutual understanding among government, banks, and enterprises, enhancing trust and consensus [2] - Dongtai Rural Commercial Bank plans to collaborate with CITIC Bank Yancheng Branch to meet the diverse needs of state-owned enterprises and provide high-quality financial services to promote local economic development [2]

Financial Data and Key Metrics Changes - Total revenue growth for the second quarter of 2025 was 6.3%, despite a challenging environment in Mexico, offset by solid trends outside Mexico and currency tailwinds [18][19] - Operating income increased by only 0.2% year-over-year, impacted by inflationary effects on costs and expenses [18] - Net consolidated income decreased by 64.3% to COP 5,600,000,000, primarily due to a noncash foreign exchange loss and lower interest income [19][20] Business Line Data and Key Metrics Changes - Proximity Americas division saw same store sales decline by 0.4%, with a solid average ticket growth of 6.6% but weaker traffic, which contracted by 6.6% [20][21] - OXXO LATAM experienced same store sales growth in the high teens, indicating better performance compared to Mexico [20] - Health division revenues increased by 15.6% in pesos, with same store sales growing 13.1%, driven by strong performance in Colombia and Ecuador [27] Market Data and Key Metrics Changes - Coca Cola FEMSA revenues increased by 5%, despite nearly 10% volume decline in Mexico and Central America due to adverse weather conditions [29] - Valora in Europe reported total revenues increased by 31.4% in pesos, driven by strong retail performance in Switzerland [26] Company Strategy and Development Direction - The company is focusing on enhancing its digital ecosystem through SPIN, aiming to integrate digital and physical experiences to meet consumer needs [6][10] - There is a strategic emphasis on financial services, including savings and credit products, to drive monetization opportunities [38][49] - The company plans to maintain operational discipline and strategic investments to navigate the evolving consumer environment [31][32] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenging consumer environment in Mexico and the need for commercial initiatives to improve traffic [21][22] - There is cautious optimism for the second half of the year, with expectations for stable full-year operating margins at Proximity Americas [31][32] - The management team is focused on improving profitability through operational efficiency and cost discipline [27][28] Other Important Information - The company has successfully completed the divestiture of its logistics business and is prioritizing investments in core operations [30][31] - The company is committed to deploying approximately COP 66,000,000,000 in shareholder remuneration through dividends and share repurchases [31] Q&A Session Summary Question: What are the missing pieces to maximize SPIN and SPIN Premier? - Management highlighted the importance of leveraging data from the Premier Rewards program to enhance retail media efforts and drive higher commercial income [36][38] Question: Are there better traffic data for SPIN users compared to non-users? - Management confirmed that users of the SPIN program tend to visit stores more frequently, indicating a positive impact on traffic [41][42] Question: How does FEMSA Digital fit within OXXO? - Management expressed excitement about the collaboration between SPIN and OXXO, emphasizing the need for a digital value proposition leveraging OXXO's physical footprint [48][49] Question: What initiatives are being taken to improve traffic at OXXO? - Management mentioned various initiatives, including adjustments in product offerings and promotional activities to address traffic challenges [58][59] Question: What is driving the volatility in net income? - The primary reason for the decline in net income was attributed to foreign exchange losses on U.S. Dollar cash balances, alongside higher taxes [86][87]

近日，建行临沂启阳支行营业大厅内突然闯入一位心急如焚的客户，他手中紧紧攥着一个被大火烧毁的 塑料袋子，里面是三十多张百元钞票。因家中意外失火，存放现金的袋子被点燃，导致钞票边角焦黑、 部分粘连破损，甚至有些已残缺不全，状况十分糟糕。客户满脸愁容，眉头紧锁，声音里满是焦虑，担 心这些钱就此作废，损失惨重。 见此情景，该行工作人员立刻上前，小心翼翼地接过袋子。他们轻轻将残钞从烧毁的袋子中取出，摊放 在工作台上。柜员迅速将情况上报给营运主管，主管第一时间赶到柜台，与柜员一同仔细查看这些残损 币的状况。 当客户接过那些崭新的纸币时，激动得热泪盈眶，握着工作人员的手，不停地说着感谢的话语，言语间 满是感激与动容。 此次事件，生动诠释了建行临沂启阳支行 "以客户为中心" 的服务理念，展现了工作人员专业、负责的 职业素养。该行的工作人员用实际行动为客户减少损失，让客户感受到了建行服务的温暖与可靠。相信 未来，建行会以更优质的服务，为更多客户排忧解难，持续传递金融温度。 面对这棘手的难题，两人丝毫不敢懈怠，秉持着严谨负责的态度，严格依据《中国人民银行残缺污损人 民币兑换办法》，对每一张残损币进行细致辨别。由于纸币受损严重，不 ...

2025年初，中信银行北京三里屯支行的服务大厅接待了一支来自西班牙的创业团队，他们刚刚在中国注 册公司，希望开立基本户和资本金专户，并寻求一家国际业务专业的银行开展合作。 面对客户首次在华创业的忐忑与诸多疑问，中信银行北京三里屯支行客户经理和中信银行北京分行国际 业务部的专家迅速组建了专属服务团队。通过搭建的24小时线上服务群，克服7小时时差障碍，为客户 提供了从账户开立到日常结算的全周期指导。无论是深夜的跨境汇款咨询，还是清晨的外汇政策解读， 服务团队始终以"客户需求第一时间响应"为准则。 中信银行北京分行作为金融服务重要窗口，服务众多国际客户，未来将继续发挥国际业务优势，不断深 化"来中国找中信"的品牌内涵，以更专业高效的金融解决方案和更温暖贴心的金融服务，助力来华海外 企业在中国市场稳健发展！ "我们不仅得到了专业的银行服务，更得到了温暖贴心的指导。"客户在服务群中这样描述他们的感受。 正是这种将心比心的服务态度，让这家西班牙企业在中国市场的第一步走得格外稳健。从首笔资本金入 账到首个月度工资代发，每一个业务节点都留下了中信服务团队的专业印记。 近日，中信银行北京三里屯支行收到了来自客户的表扬信，客户在 ...

河南日报客户端记者 成安林 通讯员张翔 杨焜 段彦哲 "感谢人民银行，真没想到40多年的收款单还能兑付，否则这张国债收款单就永远'沉睡'在账本了。"7 月3日，焦作市山阳区新城街道定和村民委员会的会计孟九凤紧紧握住国库工作人员的手，难言激动之 情。 面对难题，中国人民银行焦作市分行立刻启动历史国债兑付专项处理机制，工作人员第一时间向国家金 库河南省分库汇报，仔细核对存根联信息，反复研究政策条文，以"特事特办、急事急办"的原则，及时 联系当地财政部门帮助寻找行政区划变更的法律文件，主动与定和村民委员会沟通协调。 今年正值中国人民银行"经理国库40周年"，该行将进一步拓展国债服务渠道，延伸服务触角，积极发挥 储蓄国债在县域农村地区的普惠作用，通过"办好实事"强化行动成效，不断提升金融服务的民生福祉能 力。 该行积极协助当地政府修改完善兑付证明材料，主动收集身份证复印件、兑付账号等资料，简化流程， 在较短时间内完成了这笔国债收款单兑付资料收集和流程处理，兑付款已划入定和村民委员会的银行账 户。 这笔1982年国债收款单的成功兑付，是维护国债信誉，积极落实金融"五篇大文章"政策，践行"央行国 库、为民服务"的初心和使 ...

Core Points - A recent incident at Agricultural Bank of China (ABC) in Jinan highlighted the bank's commitment to customer service and problem-solving [1] - The bank staff demonstrated professionalism and empathy while assisting a distressed customer whose bank card was frozen due to unusual transactions [1] - The successful resolution of the customer's issue showcased the bank's dedication to ensuring customer satisfaction and compliance with banking regulations [1] Customer Service - A customer entered the bank in a state of anxiety, needing urgent assistance with a frozen bank card [1] - The bank staff, particularly a teller named Xiao Wang, provided immediate support and reassurance to the customer [1] - The staff coordinated with various departments, including the local police, to resolve the issue and successfully unfreeze the customer's account [1] Employee Conduct - The bank employees maintained a high level of professionalism and enthusiasm throughout the process [1] - Their actions reflected a strong sense of responsibility and commitment to customer care [1] - The interaction left the customer feeling grateful and appreciative of the bank's support [1]

Core Viewpoint - Agricultural Bank of China (ABC) Jinan Dongfeng Branch demonstrates exceptional customer service by addressing unique client needs, showcasing a commitment to client satisfaction and community support [1][2]. Group 1: Customer Service Initiatives - The bank responded promptly to an urgent call from the family of an elderly client who faced issues with pension fund disbursement due to an inactive phone number [1]. - Two customer managers traveled to the elderly client's home in extreme heat (40°C) to assist with the necessary changes, highlighting the bank's dedication to service [1]. - The successful completion of the phone number update was met with gratitude from the elderly client, reflecting the effectiveness of the bank's customer-centric approach [1]. Group 2: Commitment to Client Needs - ABC Jinan Dongfeng Branch has a track record of providing various services, including activating social security cards at home, facilitating access for disabled clients, and handling urgent requests during off-hours [2]. - The bank emphasizes a philosophy of being responsive to customer needs, aiming to be a reliable financial partner characterized by speed, attitude, and warmth [2].