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, including transaction limits and revised agreements [1][4]. Group 1: Business Time Adjustments - Starting from February 7, 2026, the business hours for the Ruyi Gold Accumulation and floating price physical gold product sales will be adjusted as follows: - ICBC branches will operate according to their actual business hours, but not earlier than 9:10 AM on the same day [1][4]. - ICBC APP and online banking will be available daily from 9:10 AM to 10:30 PM [1][4]. Group 2: Transaction Limit Management - From February 7, 2026, ICBC will implement transaction limit management for the Ruyi Gold Accumulation business on weekends and public holidays when the Shanghai Gold Exchange is closed. The limit types will include: - Daily accumulation/redemption limits for all customers or individual customers - Total limits for single transactions of accumulation or redemption - Dynamic settings for these limits will be applied [1][4]. Group 3: Agreement Revision - In response to the adjustments in the Ruyi Gold Accumulation business rules, ICBC has revised the "Ruyi Gold Accumulation Business Agreement" to the 2026 version. - The public notice period for this announcement is from the date of publication until February 6, 2026. During this period, existing customers can raise objections or choose to cancel their Ruyi Gold Accumulation accounts. If customers do not cancel their accounts or continue operations related to the Ruyi Gold Accumulation business, they will be deemed to have accepted the new agreement without needing to sign again [1][4].