Group 1 - The core viewpoint of the article indicates that the recent decline in Chinese bank stocks is attributed to fluctuations in year-end trading fund allocations, reflecting changes in market risk appetite as the quarter and year-end approaches [1] - Major state-owned banks have recently completed their interim dividend ex-dividend dates, which historically leads to short-term stock price adjustments. The ex-dividend date for this year was moved up to December [1] - Long-term investment opportunities may arise from stock price adjustments caused by trading factors such as ex-dividend dates, as these periods are often seen as good entry points for long-term capital [1] Group 2 - Specific declines in bank stocks include Bank of Communications down 3.93% to HKD 6.84, Agricultural Bank down 2.52% to HKD 5.41, China Construction Bank down 0.79% to HKD 7.58, and Industrial and Commercial Bank down 0.33% to HKD 6.12 [1] - The report from Changjiang Securities suggests that the fluctuations in bank stocks are expected to stabilize and potentially increase after the year-end, as institutional investors may need to realize profits [1] - It is anticipated that large banks such as Bank of Communications, Postal Savings Bank, China Merchants Bank, and Industrial Bank will also implement interim dividend ex-dividend dates towards the end of the year and early next year [1]