能 系统升级后如果您在业务办理过程中遇到疑问，请通过短信或电话方式咨询。 2025年10月24日，中国工商银行（601398）发布公告称，为了能够向您提供更优质的服务，中国工商银 行将于2025年10月25日至10月26日对系统进行升级维护，系统升级期间中国工商银行网上银行、手机银 行、自助终端、电话银行、银企互联等业务渠道可正常提供服务，部分服务功能暂停，具体如下： 由此给您带来的不便，敬请谅解。 | 渠道 | 暂停业务类型 | 暂停时间 | | --- | --- | --- | | 个人手机银行 | 信用卡发卡、调额、分期等业务 | 10月25日 22:30- | | | | 23:30 | | 工银e生活 | 资产诊断、权益兑换、个人客户风险测评、理财私银客户信息查询、 | 10月25日23:00 | | | 信息接收管理等业务 | 至10月26日 | | | | 01:00 | | 个人网上银行 | 心愿定投、天天盈自动购买、智享还、省心投业务 | 10月25日22:30- | | | | 23:15 | | 企业手机银行 | 结算套餐方案查询购买、超长期回单明细查询下载、子钱包资金自动 | 10月 ...

Core Viewpoint - Zhejiang Commercial Bank announced the discontinuation of personal deposit transaction services via telephone banking effective November 14, 2025, as part of its business adjustment strategy, reflecting a broader trend among banks to reduce telephone banking functionalities in favor of digital channels [1][2]. Summary by Sections Service Adjustments - The discontinuation includes services such as converting current deposits to fixed deposits and vice versa, which can now be handled through mobile banking, online banking, or at bank counters [2][3]. - Other banks, including Industrial Bank and China Merchants Bank, have also phased out similar telephone banking services, indicating a shift in banking operations [2]. Digital Transformation - The adjustments are driven by the need for digital transformation, focusing on security, operational costs, and changing customer behaviors [4]. - The trend aligns with the long-term movement towards online and intelligent financial services, as customer demand for telephone banking decreases [4]. Market Trends - According to the 2024 China Digital Banking Survey, the usage rate of telephone banking has dropped to 25%, a decrease of 3% year-on-year, while personal mobile banking usage has risen to 88%, an increase of 2 percentage points [4][5]. - Mobile banking has become the dominant channel for providing financial services, reflecting a significant shift in consumer preferences [5].

Core Points - Shanghai Rural Commercial Bank announced a scheduled maintenance for its general business service platform from October 17, 2025, 22:30 to October 18, 2025, 01:00 [1] - During the maintenance period, various services will be temporarily suspended, specifically affecting public utility contract signing and payment through mobile and online banking channels [1] - The bank expressed apologies for any inconvenience caused and encouraged customers to plan their transactions accordingly [1]

Core Points - East Asia Bank announced a system maintenance scheduled for October 25, 2025, from 02:30 to 06:00 Beijing time [1] - During this maintenance period, various banking services including personal mobile banking login, online banking security password component downloads, and large deposit purchases will be temporarily unavailable [1] - The bank expressed apologies for any inconvenience caused and encouraged customers to make necessary arrangements in advance [1]

Core Viewpoint - East Asia Bank (China) Limited will undergo system maintenance, affecting various banking services during specified hours [1] Group 1: Maintenance Schedule - The system maintenance will take place on October 18, 2025, from 03:00 to 05:00 and on October 19, 2025, from 03:00 to 05:00 [1] Group 2: Affected Services - Services impacted include large certificate of deposit transfers, cross-border wealth management account transfers, E-account openings, and SMS verification functions across multiple platforms such as mobile banking, online banking, and WeChat services [1] Group 3: Customer Advisory - Customers are advised to make necessary arrangements in advance due to the service interruptions, and the bank expresses apologies for any inconvenience caused [1]

Core Viewpoint - China Everbright Bank (601818) announced a system upgrade maintenance for its various online banking services to enhance service quality, which may affect the availability of certain services during the maintenance period [1] Group 1 - The system upgrade will take place on September 18, 2025, from 20:00 to 24:00 [1] - Affected services include personal mobile banking, personal online banking, corporate online banking, and other financial service platforms [1] - Customers are advised to make necessary arrangements in advance due to potential service disruptions [1]

Group 1 - The core viewpoint of the reports indicates that the Bank of China has shown stable business development in the first half of 2025, with a slight decline in net profit and interest income [1] - The total assets of the group reached 36,790.61 billion yuan, an increase of 4.93% compared to the end of the previous year, while total liabilities grew by 4.85% to 33,664.95 billion yuan [1] - The net interest income decreased by 5.27% to 2,148.16 billion yuan, with interest income falling by 7.30% and interest expenses decreasing by 8.77% [1] Group 2 - The balance of technology loans reached 4.59 trillion yuan, with 161,100 credit accounts, and comprehensive services provided exceeded 780 billion yuan [2] - Green loans increased by 16.95% compared to the end of the previous year, maintaining a leading position in the market for green bond underwriting [2] - The balance of inclusive finance loans surpassed 2.65 trillion yuan, with the number of loan accounts exceeding 1.72 million [2]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條而作出。 茲載列交通銀行股份有限公司於上海證券交易所網站刊登的《交通銀行股份有限 公司2025年半年度報告》，謹供參閱。 承董事會命 交通銀行股份有限公司 何兆斌 公司秘書 中國上海 2025年8月29日 於本公告發佈之日，本行董事為任德奇先生、張寶江先生、殷久勇先生、 周萬阜先生、常保升先生*、廖宜建先生*、陳紹宗先生*、穆國新先生*、 艾棟先生*、羅小鵬先生*、石磊先生 # 、張向東先生 # 、李曉慧女士 # 、馬駿先生 # 、 王天澤先生 # 及肖偉先生 # 。 * 非執行董事 # 獨立非執行董事 公司代码：601328 公司简称：交通银行 交通银行股份有限公司 2025 年半年度报告 1 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证半 ...

Core Viewpoint - The Bank of Communications reported a net profit of RMB 46.016 billion for the first half of 2025, reflecting a year-on-year increase of 1.61% compared to RMB 45.287 billion in the same period of 2024 [1][4][10] Financial Summary - Net interest income for the first half of 2025 was RMB 85.247 billion, up 1.20% from RMB 84.234 billion in the first half of 2024 [3][4] - Total operating income reached RMB 133.368 billion, a slight increase of 0.77% from RMB 132.347 billion in the previous year [4][10] - The total assets of the group at the end of June 2025 amounted to RMB 15,435.405 billion, representing a 3.59% increase from RMB 14,900.717 billion at the end of June 2024 [3][10] - Customer loans reached RMB 8,998.499 billion, an increase of 5.18% from RMB 8,555.122 billion at the end of June 2024 [3][10] - Customer deposits totaled RMB 9,171.358 billion, up 4.22% from RMB 8,800.335 billion in the previous year [3][10] Profitability Metrics - The annualized return on average assets was 0.61%, down from 0.65% in the previous year [3][4] - The annualized weighted average return on equity was 9.16%, slightly down from 9.29% [3][4] - The net interest margin decreased to 1.21% from 1.29% year-on-year [3][4] Risk Management - The non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points from the previous year [3][4] - The provision coverage ratio increased to 209.56%, up 7.62 percentage points from the previous year [3][4] Dividend Distribution - The bank proposed a cash dividend distribution of RMB 138.11 billion, amounting to RMB 1.56 per 10 shares, based on the total issued shares of 88.364 billion [1][4]

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) reported a solid performance in the first half of 2025, with a net profit of 29.737 billion yuan, reflecting a year-on-year increase of 10.19%, although structural pressures remain evident despite the positive results [1][2][11]. Financial Performance - SPDB achieved operating income of 90.559 billion yuan, an increase of 2.62% year-on-year [1]. - The net profit attributable to shareholders reached 29.737 billion yuan, up by 27.49 billion yuan, marking a growth of 10.19% [1][2]. - The bank's return on equity (ROE) was 4.33%, up 0.16 percentage points year-on-year, while the return on assets (ROA) was 0.31%, an increase of 0.01 percentage points [3]. Asset Quality - The bank's asset quality improved, with non-performing loan (NPL) balance at 73.672 billion yuan, a decrease of 6.08 billion yuan from the previous quarter, and an NPL ratio of 1.31%, down 0.05 percentage points year-on-year [5][7]. - The provision coverage ratio increased to 193.97%, up 7.01 percentage points from the previous year, indicating enhanced risk mitigation capacity [7]. Deposit and Funding Structure - Total deposits reached 5.59 trillion yuan, an increase of 448.349 billion yuan, or 8.71% year-on-year, significantly outpacing the total asset growth of 1.94% [8][9]. - The proportion of stable, low-cost demand deposits rose to 40.20%, while retail deposits increased to 1.74 trillion yuan, accounting for 31.06% of total deposits [8]. Regional Performance - The Yangtze River Delta region remains a core growth area, with loans totaling 1.98 trillion yuan, a growth of 7.50%, and deposits of 2.53 trillion yuan, up 9.64% [10]. - This region contributed 25.62% of the bank's operating income and 34.83% of operating profit, indicating a strong performance compared to other regions [10][15]. Non-Interest Income - Non-interest income was 32.252 billion yuan, a year-on-year increase of 6.79%, accounting for 35.61% of total operating income [12]. - However, the structure of non-interest income remains a concern, with a decline in net fee and commission income by 1.02% [12]. Digital Transformation - The bank's digital strategy has advanced significantly, with over one million new users registered on the "PuHui" platform and a mobile banking user base exceeding 90 million [13]. - The implementation of over 50 "AI+" scenarios has improved operational efficiency and reduced costs [13]. Risks and Challenges - Despite improvements in asset quality, risks associated with real estate loans remain high, with a real estate loan balance of 412.988 billion yuan and an NPL ratio of 3.57% [16]. - The bank faces challenges from a narrowing net interest margin, which decreased by 0.07 percentage points to 1.41% [11].