Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is adjusting its management of personal precious metals trading business to enhance investor protection and improve account management efficiency, particularly targeting dormant accounts with idle funds [1][5]. Group 1: Announcement Details - ICBC announced that clients with no positions, no inventory, and no debts, but with a balance in their margin accounts, should withdraw their funds by December 19, 2025, after which the accounts will be closed [4]. - The bank emphasized that existing clients with positions will not be affected by this adjustment and should monitor related announcements to manage their positions and mitigate market risks [5]. Group 2: Rationale Behind the Adjustment - The adjustment aims to clean up long-term dormant accounts that hold idle funds, which increases operational and compliance costs for the bank [5]. - The term "silent accounts" refers to those with no trading activity or withdrawals but still retain funds, which are typically deposits made by clients that have not been used for trading [5]. Group 3: Strategic Developments - In addition to compliance measures, ICBC is accelerating its layout in the gold industry infrastructure, having established designated gold warehouses in Sanya and Hezhou, enhancing its long-term development in the precious metals business [6]. - The bank's expansion includes plans for a gold warehouse at Hong Kong International Airport, aligning with the Hong Kong government's goal to establish an international gold trading market [6].