Core Viewpoint - Industrial banks are increasingly adjusting their personal precious metals trading services, with Industrial Bank announcing the closure of online trading channels for personal precious metals transactions by February 14, 2026, due to market volatility and risk management needs [2][4]. Group 1: Company Actions - Industrial Bank will close the online trading channel for personal precious metals transactions while keeping other channels like counter and mobile banking operational [2]. - The bank has previously made adjustments to its personal precious metals business, including the closure of certain trading functionalities since July 15, 2022, and has been actively cleaning up inactive accounts [4]. - Other banks, such as Postal Savings Bank and Industrial and Commercial Bank, have also announced similar adjustments, indicating a broader trend in the banking sector [5][6]. Group 2: Market Conditions - The current precious metals market is experiencing significant volatility, prompting banks to remind customers to complete necessary account actions, such as closing contracts and withdrawing funds [4]. - The adjustments by banks are seen as a response to the high leverage and volatility associated with personal precious metals trading, which can lead to customer losses and complaints [6]. - The tightening of personal precious metals trading services reflects a growing concern over market, compliance, operational, and reputational risks within the banking industry [6].