Core Viewpoint - The Financial Regulatory Bureau aims to enhance financial services and risk management to support the high-quality development of Tibet and its major projects [1] Group 1: Financial Support and Development - The Financial Regulatory Bureau will continue to optimize financial services to effectively prevent financial risks [1] - The focus is on providing strong financial support for the construction of a modern socialist Tibet [1] Group 2: On-site Investigations - Li Yunzhe conducted on-site investigations of key projects such as the Sichuan-Tibet Railway and the construction of the Tsaina National Modern Agriculture Demonstration Zone [1] - The investigation included understanding the operational status of companies like Ganlu Tibetan Medicine and High-speed Technology [1] Group 3: Banking and Insurance Sector Initiatives - Banks and insurance institutions are encouraged to tailor their services to the specific needs of Tibet, enhancing service quality and financial supply [1] - There is a call for full support of major engineering projects and the development of characteristic advantageous industries [1]

"我们对布放的各类机具进行清点，形成清单逐一巡检，保证赛事期间金融服务通畅。"四川中行派出工作人员对赛事接待酒店及太古里、宽窄巷子、环球中 心等城市文化点位开展POS机具巡检，确保设备运营正常，银行网点现金票面备份充足。此外，还帮助省内金融机构培训外卡业务，提升世运会期间优质金 融服务基础。 转自：新华财经 近期，中国银行四川省分行（以下简称：四川中行）通过加强外币兑换、人民币现金"零钱包"、离境退税业务等一系列优质、高效的金融服务，全力支持成 都世运会举办，同时为地方民生等领域贡献金融力量。 "我们布放了外币兑换机，外籍游客可以直接取用外币。他们对着智能翻译屏说母语，我们就能在屏幕上实时看到对应翻译，方便金融业务办理。"在成都天 府国际机场境外来宾支付服务中心，四川中行工作人员正在协助外籍游客使用外币兑换机。据介绍，该行2024年率先推出了多语种AI智能翻译屏，支持14 种世界主要语种，解决不同国籍来宾语言沟通障碍，提升沟通效率与服务体验。 "外国人不习惯线上支付，我也没那么多零钱找给他们。"某餐馆老板说。为此，四川中行为商户提供了人民币现金"零钱包"产品，可满足境外来华人士、老 年人、个人客户等小面额现金 ...

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]

Core Points - A customer at CCB Linyi Qiyang Branch faced a distressing situation when a fire damaged over thirty hundred-yuan banknotes, raising concerns about the validity of the cash [1] - The bank staff promptly assisted the customer by carefully examining and processing the damaged notes according to the People's Bank of China's guidelines for damaged currency [1] - After more than an hour of meticulous work, the staff successfully exchanged the damaged banknotes for new ones, minimizing the customer's financial loss [1] Customer Service Philosophy - The incident exemplifies CCB Linyi Qiyang Branch's "customer-centric" service philosophy, highlighting the professionalism and responsibility of the staff [2] - The staff's actions not only alleviated the customer's financial concerns but also demonstrated the warmth and reliability of CCB's services [2] - The bank aims to continue providing high-quality service to help more customers in need, reinforcing its commitment to customer satisfaction [2]

Core Insights - 中信银行北京三里屯支行为西班牙创业团队提供了全面的银行服务，帮助他们在中国市场顺利开展业务 [1] - 客户对中信银行的服务表示高度满意，特别是对专业能力和温暖的服务态度给予了赞扬 [1] - 中信银行北京分行计划继续发挥国际业务优势，支持海外企业在中国市场的发展 [2] Group 1 - 中信银行为西班牙创业团队提供了24小时线上服务，克服了时差障碍 [1] - 服务团队在客户的每一个业务节点上都留下了专业的印记，从账户开立到工资代发 [1] - 客户在表扬信中对中信银行的热情服务和专业能力表示感谢 [1] Group 2 - 中信银行北京分行将深化"来中国找中信"的品牌内涵 [2] - 未来将提供更专业高效的金融解决方案，助力海外企业在中国市场的发展 [2] - 中信银行致力于提供温暖贴心的金融服务，以满足国际客户的需求 [2]

Group 1 - The successful redemption of a 1982 government bond receipt highlights the commitment of the People's Bank of China to maintain the credibility of government bonds and serve the public [2][3] - The bond receipt, originally worth 100 yuan, had been dormant for over 40 years due to administrative changes and challenges in verifying historical data [2] - The People's Bank of China in Jiaozuo initiated a special handling mechanism for historical bond redemptions, collaborating with local government to streamline the process and ensure timely payment [2] Group 2 - This year marks the 40th anniversary of the People's Bank of China managing the national treasury, with plans to expand bond service channels and enhance financial services in rural areas [3] - The bank aims to strengthen its role in promoting the inclusive benefits of savings bonds, particularly in county and rural regions, by focusing on practical actions [3]

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].

Core Viewpoint - The article highlights a remarkable incident at the CCB Dezhou Lingcheng branch, where staff demonstrated exceptional professionalism and dedication in assisting a customer whose elderly relative's savings were severely damaged in a fire, showcasing the bank's commitment to customer service and support [1] Group 1 - A young man rushed into the CCB Dezhou Lingcheng branch seeking help to exchange severely burned banknotes that belonged to his elderly relative [1] - The bank staff initiated a special process to assist the customer, carefully handling the damaged currency to maximize the recovery of funds [1] - The staff utilized tools like tweezers and magnifying glasses to meticulously separate and identify the salvageable parts of the burnt banknotes, demonstrating a high level of care and attention [1] Group 2 - The entire process took nearly four hours, during which the staff remained focused and dedicated despite physical discomfort, aiming to recover as much of the customer's money as possible [1] - The successful exchange of the damaged currency resulted in a grateful response from the customer, who expressed deep appreciation for the bank's professional and patient service [1] - This incident reflects the bank's "customer-centric" service philosophy, earning high recognition and praise from the customer for their warm and effective financial service [1]

Core Points - A red banner was presented to the Jinan Kaiyuan Branch of Agricultural Bank of China, recognizing the high efficiency and dedicated service of employee Zhang Wenhao [1] - This event highlights the branch's commitment to quality service and customer satisfaction, as evidenced by the swift handling of a judicial seizure business [1] - The branch has received a second banner in 2025, indicating ongoing recognition for exceptional customer service [2] Summary by Sections Service Excellence - Zhang Wenhao efficiently processed a judicial seizure request, completing the necessary procedures in just half an hour, which impressed both court staff and clients [1] - The branch emphasizes the importance of professional service and quick response to customer needs, showcasing a strong commitment to client trust [1] Employee Recognition - The Jinan Kaiyuan Branch has received multiple banners in 2025, reflecting the trust and support from customers [2] - Employee Zhang Ying also received recognition for assisting a customer in recovering funds lost due to a short video advertisement [2] Commitment to Improvement - The branch aims to continuously enhance employee skills and service awareness, optimizing service processes to better serve clients [2] - The focus remains on providing efficient, professional, and considerate service to address customer concerns and strengthen financial partnerships [2]