2025年12月11日，中国光大银行发布公告称，为提升服务品质，中国光大银行个人手机银行、个人网 银、企业网银、银企通、企业手机银行、金融服务开放平台系统(原开放银行商户合作)、官方门户网站 将于2025年12月18日20:00-24:00进行系统升级维护。在此期间，各渠道及部分相关业务将有可能受到影 响而无法正常使用，请您提前做好相关业务安排。 由此给您带来的不便，敬请谅解。如有任何疑问，请致电中国光大银行24小时客户服务热线95595咨 询。感谢您长期以来对中国光大银行的支持与厚爱，祝您使用愉快! ...

Core Points - China Postal Savings Bank announced system maintenance to enhance service quality [1] - Maintenance will occur during specified time slots in late November and early December 2025 [1] - Various banking functions will be temporarily unavailable during the maintenance period [1] Summary by Category Announcement - China Postal Savings Bank is conducting system maintenance to improve service quality [1] Maintenance Schedule - Maintenance will take place on: - November 27, 2025, from 22:00 to November 28, 2025, 05:00 [1] - December 1, 2025, from 22:00 to December 2, 2025, 05:00 [1] - December 4, 2025, from 22:00 to December 5, 2025, 05:00 [1] Impact on Services - During the maintenance, the following services will be unavailable: - Personal mobile banking functions including rights claim, query, exchange, and user registration [1] - Corporate banking functions including user registration, login, and management [1] - Other services such as electronic account opening and various system logins [1]

Core Points - China Everbright Bank announced a system upgrade maintenance for various digital banking services to enhance service quality [1] - The maintenance will take place on November 20, 2025, from 20:00 to 24:00, during which certain services may be affected [1] - Customers are advised to make necessary arrangements in advance due to potential service disruptions [1] Company Summary - The upgrade will impact personal mobile banking, personal online banking, corporate online banking, and other related services [1] - The bank expresses gratitude for customer support and encourages inquiries through their 24-hour customer service hotline [1]

Core Viewpoint - China Everbright Bank announced a maintenance window for the payment clearing system by the People's Bank of China, affecting various banking functions during this period [1] Group 1: Impact on Banking Services - The maintenance window will occur from November 23, 2025, 0:00 to 6:00, during which small payment systems and online interbank clearing systems will be suspended [1] - Affected services include cross-bank remittances, interbank connections, commercial bills, and various functionalities in both corporate and personal mobile banking [1] - Customers are advised to make necessary arrangements in advance due to the unavailability of these services [1]

Core Points - China Construction Bank (CCB) announced a system upgrade maintenance scheduled from November 14, 22:00 to November 15, 6:00 [1] - During the maintenance period, various online banking platforms including personal mobile banking, corporate online banking, merchant online banking, and personal online banking may experience transaction instability [1] - CCB expressed apologies for any inconvenience caused and emphasized efforts to minimize service disruption [1]

Group 1: Banking Sector Performance - A-share listed banks reported stable performance in the first three quarters of the year, showcasing a steady operational trend with notable highlights [1] Group 2: Urban-Rural Integration and Regional Development - The banking sector is actively supporting urban-rural integration and regional coordinated development as part of a significant national strategy [2] - Industrial and Commercial Bank of China (ICBC) has allocated nearly 3.5 trillion yuan in loans for new urbanization projects and over 5 trillion yuan for agricultural loans, with significant investments in poverty alleviation counties [2] - Agricultural Bank of China has increased its loan balance in key rural revitalization counties to 481.2 billion yuan, marking a growth of 10.21%, and in poverty-stricken counties to 2.52 trillion yuan, with a growth of 10.66% [3] Group 3: High-Level Opening Up - The banking sector is contributing to high-level opening up, which is a strategic choice to enhance national security and respond to external uncertainties [4] - Bank of China has been actively involved in the Belt and Road Initiative, maintaining a leading position in the issuance of panda bonds and offshore RMB bonds, with a global custody scale of 4.8 trillion yuan [5] - Construction Bank has enhanced its international competitiveness and supported cross-border e-commerce, with settlement volumes exceeding 400 billion yuan [5] Group 4: Digital Transformation - Digital transformation is a critical focus for banking institutions, with ongoing efforts to enhance digital infrastructure and service efficiency [6] - Bank of Communications has improved its digital service capabilities, achieving significant user engagement with its mobile banking applications and open banking interfaces [7] - Postal Savings Bank is leveraging digital technology to enhance operational efficiency and customer experience through initiatives like remote services and digital personnel [8]

Core Points - Beijing Bank (601169) announced a temporary suspension of its large and small payment systems due to an internal system upgrade scheduled for November 6, 2025, from 00:30 to 01:00 [1] - During the suspension, cross-bank receipt services will be affected, while cross-bank payment services can still be conducted through personal mobile banking and online banking features [1] - Customers are advised to make necessary arrangements for their fund usage in advance to mitigate any inconvenience caused by the system downtime [1]

Core Viewpoint - The Bank of Communications reported a stable and positive operational performance for the third quarter of 2025, with total assets reaching 15.50 trillion yuan, a year-on-year increase of 4.02% [1] Group 1: Financial Performance - The bank achieved a net operating income of 200.06 billion yuan in the first three quarters, representing a year-on-year growth of 1.86%, with net interest income and net fee and commission income increasing by 1.46% and 0.15% respectively [2] - The net profit attributable to shareholders reached 69.99 billion yuan, up 1.90% year-on-year, with growth rates for net revenue and net profit improving by 1.14 and 0.29 percentage points compared to the first half of the year [2] Group 2: Support for the Real Economy - The bank focused on enhancing financial services for the real economy, with customer loan balances reaching 9.07 trillion yuan, a growth of 6.04% year-on-year, adding 31.2 billion yuan compared to the previous year [3] - Significant growth was noted in various sectors, including a 6.72% increase in green loan balances and a 41.75% increase in loans for the pension industry [3] Group 3: Digital Transformation - The bank is accelerating its digital transformation, enhancing digital infrastructure and security, with monthly active users for its mobile banking and payment apps reaching 53.06 million and 25.93 million respectively [5] - The bank has opened 7,039 open banking interfaces, with a total of 10.5 billion calls made [5] Group 4: Risk Management - The bank maintained a non-performing loan ratio of 1.26%, a decrease of 0.05 percentage points from the previous year, and a provision coverage ratio of 209.97%, an increase of 8.03 percentage points [6] - The bank disposed of non-performing loans amounting to 55.74 billion yuan, a year-on-year increase of 28.12% [6]

Core Insights - Agricultural Bank of China reported a net profit of 222.3 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 3.28% [1] - The bank's total assets reached 48.1 trillion yuan, with loans and advances totaling 26.99 trillion yuan, an increase of 2.08 trillion yuan or 8.36% from the previous year [2] - The bank's A-share price closed at 8.06 yuan, with a market capitalization of 2.74 trillion yuan (approximately 386.9 billion USD), ranking second in global banking market capitalization [1][9] Financial Performance - The bank achieved an operating income of 550.8 billion yuan, reflecting a year-on-year increase of 1.87% [1] - Daily earnings exceeded 800 million yuan during the first three quarters [1] - Personal consumption loans, including credit cards, reached 1.46 trillion yuan, with a growth rate of 9.4%, leading the industry in both volume and growth [6] Asset and Loan Growth - The bank's personal loan balance stood at 9.33 trillion yuan, with an increase of 519.1 billion yuan [2] - Corporate loan balance reached 15.55 trillion yuan, with an increase of 1.41 trillion yuan [2] - The bank's total customer deposits amounted to 38.49 trillion yuan, with a growth rate of 10.06% [6] Digital and Technological Advancements - The bank's mobile banking monthly active users reached 271 million, with an increase of 21.2 million users, maintaining a leading position in the industry [3] - The bank issued 200 billion yuan in technology innovation bonds and underwrote 257 billion yuan in technology innovation bonds [2] Risk Management and Asset Quality - The non-performing loan ratio was 1.27%, a decrease of 3 basis points from the beginning of the year [8] - The overdue loan ratio was 1.22%, with a negative "scissors difference" between overdue and non-performing loans maintained for 21 consecutive quarters [8] Market Position and Future Outlook - The bank's stock price has increased by 50.94% year-to-date, reflecting strong market performance [4][9] - The bank's focus on county-level economic potential and deep regional layout suggests a promising outlook for credit growth and pricing stability [5]

Core Insights - Agricultural Bank of China reported a net profit of 222.3 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 3.28% [2] - The bank's total assets reached 48.1 trillion yuan, with loans and advances totaling 26.99 trillion yuan, an increase of 2.08 trillion yuan or 8.36% from the previous year [2] Financial Performance - Operating income for the bank was 550.8 billion yuan, showing a year-on-year increase of 1.87% [2] - The bank's A-share price closed at 8.06 yuan per share, with a total market capitalization of 2.74 trillion yuan (approximately 386.9 billion USD), ranking second globally among banks [2][7] Loan and Asset Growth - The bank's personal loan balance reached 9.33 trillion yuan, with an increase of 519.1 billion yuan, while corporate loans amounted to 15.55 trillion yuan, up by 1.41 trillion yuan [2] - Technology loans exceeded 4.7 trillion yuan, with a manufacturing loan balance of 3.84 trillion yuan, reflecting a growth rate of 18.4% [3] Inclusive Finance - The balance of inclusive loans stood at 4.33 trillion yuan, with an increase of 731.1 billion yuan, and the number of micro-enterprises with loans reached 5.23 million [3] - The bank's support for private enterprises resulted in a loan balance of 7.51 trillion yuan, an increase of 973.6 billion yuan, with a growth rate of 14.9% [3] Digital Finance - The bank's mobile banking monthly active users reached 271 million, with an increase of 21.2 million, maintaining a leading position in the industry [4] - The bank has established a digital financial service ecosystem, enhancing its technological support and data supply capabilities [4] Customer Base and Asset Quality - The total number of personal customers reached 893 million, the highest in the industry, while corporate customers exceeded 13 million [6] - The non-performing loan ratio was 1.27%, a decrease of 3 basis points from the beginning of the year, indicating stable asset quality [6]