Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) announced adjustments to its "Ruyi Gold Accumulation" business and certain physical gold product sales rules, effective from February 7, 2026, to enhance service quality and efficiency [1][2]. Group 1: Business Operation Adjustments - The business operation hours for the Ruyi Gold Accumulation and floating price physical gold products will be adjusted, with physical branches opening no earlier than 9:10 AM and electronic banking channels operating from 9:10 AM to 10:30 PM daily starting February 7, 2026 [1]. - A limit management system will be implemented for the Ruyi Gold Accumulation business on weekends and public holidays, including daily accumulation/redemption limits and single transaction limits, with dynamic settings in place [1]. Group 2: Agreement Revision - The "Ruyi Gold Accumulation Business Agreement (2025 Edition)" will be revised to form the "Ruyi Gold Accumulation Business Agreement (2026 Edition)" in line with the operational adjustments [2]. - A public consultation period will last until February 6, 2026, during which existing customers can raise objections or cancel their accounts; failure to do so will imply acceptance of the new agreement without the need for re-signing [2].

Core Viewpoint - Guangfa Bank announced adjustments to its agency services for personal precious metals business at the Shanghai Gold Exchange to adapt to market changes and protect investor interests [1] Group 1: Service Adjustments - Customers with no positions, inventory, or debts, but with a balance in their margin accounts, are required to withdraw their funds promptly. Starting from December 26, 2025, Guangfa Bank will transfer these customers' margin account balances to their linked debit cards and terminate the related business functions [1] - The agreement signed by customers regarding the personal precious metals business will be terminated as of December 26, 2025 [1] Group 2: Margin Ratio Changes - As of the close on December 26, 2025, the margin ratio for gold futures contracts will increase from 31% to 39%, while the margin ratio for silver futures contracts will rise from 34% to 42% [1] Group 3: Existing Customers - Existing customers with open positions will not be affected by this business adjustment regarding their closing transactions [1] - Guangfa Bank encourages customers to monitor their precious metals trading account balances and to invest rationally while managing their positions to mitigate market risks [1]