Core Viewpoint - Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) announced the suspension of certain gold investment services starting November 3, 2025, due to macroeconomic policy impacts and risk management requirements [1] Group 1: ICBC Announcement - ICBC will suspend the acceptance of new accounts, active accumulation, new fixed accumulation plans, and applications for physical gold extraction for its "Ruyi Gold Accumulation" business starting November 3, 2025 [1] - Existing customers with valid fixed accumulation plans will not be affected in terms of execution, redemption, or account closure [1] Group 2: CCB Announcement - CCB will halt real-time purchases, new investment purchases, and physical gold exchange applications for its "Easy Gold" business from November 3, 2025 [1] - Existing customers' investment plans, redemptions, and account closures will remain unaffected [1] - CCB will also suspend personal gold accumulation exchanges for physical precious metals and account gold exchanges for physical precious metals, while other personal gold accumulation services will not be impacted [1] Group 3: Future Communications - Both banks indicated that customers should pay attention to future announcements regarding the resumption of related services [1]

Group 1 - Industrial and Commercial Bank of China announced the suspension of certain wealth management services effective November 3, 2025, due to macroeconomic policy impacts and risk management requirements [1] - China Construction Bank also announced the suspension of its wealth management services, including real-time purchases and physical gold exchanges, starting from November 3, 2025, citing market volatility and risk management considerations [2] - Both banks confirmed that existing clients' plans and redemption processes will remain unaffected during this suspension period [1][2]

Core Insights - Both Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) announced the suspension of certain gold-related services effective November 3, 2025, due to macroeconomic policies and market volatility [1][3]. Group 1: ICBC Announcement - ICBC will suspend the acceptance of new accounts, active accumulation, new fixed accumulation plans, and applications for physical gold withdrawal under its "Ruyi Gold Accumulation" business starting from November 3, 2025 [1]. - Existing customers with valid fixed accumulation plans will not be affected in terms of execution, redemption, or account closure [1]. Group 2: CCB Announcement - CCB will halt real-time purchases, new investment purchases, and physical gold exchanges under its "Easy Gold" business from November 3, 2025, due to market fluctuations [3]. - Existing customers' investment plans, redemptions, and account closures will remain unaffected [3]. - CCB will also suspend personal gold accumulation exchanges for physical precious metals and account gold exchanges for physical precious metals, while other personal gold accumulation services will not be impacted [3]. Group 3: Future Updates - Both banks indicated that further announcements regarding the resumption of these services will be made in the future [5].