过去，尼泊尔银行业为争夺市场，在加德满都、博卡拉等大都市密集设立分支机构。数据显示，全国共 有5104家商业银行分支、1134家发展银行分支和291家金融公司分支，其中加德满都、拉利特普尔、博 卡拉、巴拉特普尔、比拉特纳加尔和比尔甘杰六个大都市就集中了1690个分支网点。但随着数字银行和 电子支付迅速发展，实体网点客流下降，高昂的房租、人力和管理成本逐渐成为负担，银行开始面 临"想关却难关"的困境。为降低成本、提高盈利能力，尼泊尔央行已允许银行合并距离较近的分支机 构。银行普遍认为，精简实体网点、加快数字化转型，已成为行业调整的必然方向。 ...

12 月 9 日，《中国经营报》主办的 "2025 卓越竞争力金融论坛" 在北京隆重召开。宇信科技副总裁韩冬受邀出席并发表了题为《全链路赋能金融提质增 效：宇信科技的数智化创新和生态实践》的主题演讲，他分享了宇信科技深耕行业26 年的实践经验与深刻洞察，围绕金融业数字化转型、AI 技术落地及 自主可控发展等核心议题，系统阐述了如何通过体系化建设与 AI 深度赋能，破解行业转型瓶颈，助力金融业实现全链路提质增效。 稳中求进转型深水区： 以"增量带存量" 破解体系化难题 "银行业数字化转型已从技术驱动的'必选题'，历经优胜劣汰的'下半场'，全面迈入挑战与机遇并存的'深水区'。" 韩冬在演讲中指出，金融提质增效的核 心是通过增量带动存量的过程，这是金融改革和效率提升过程中的一个核心动态逻辑。 近年来，大多数银行在数字化转型方面都做出了有效尝试和体系化推进，比如率先在新兴市场、新场景中，用数字化的模式设计金融产品和服务创新。但 是这些增量部分如果不能有效带动存量，相互之间不能设计好清晰的联动和回流机制，就容易导致增量部分与存量体系形成"两张皮"，甚至形成内部资源 和考核的争夺。 因此，韩冬认为，银行要实现全链路提质增 ...

Here's a summary of the key points from the provided report, formatted as requested: Retail & Digital Business Group (R&D) - The Retail & Digital Business Group aims for double-digit ROE in the mid- to long-term by improving customer base and LTV (Life Time Value)[9] - The group aims to increase its customer share from 27% by expanding the Group customer base and improving multiple transaction usage rate[12] - MUFG launched a service brand "M-tto" to provide greater convenience and value to customers across different life stages[14] - The number of annual card issuance is expected to increase from 540,000 in FY24 to 1,000,000 in FY26[25] Commercial Banking & Wealth Management Business Group (CWM) - The Commercial Banking & Wealth Management Business Group targets approximately 15.5% ROE in FY26[50] - JPY deposit income increased from ¥30 billion in FY23 to ¥110 billion in FY24[52] - The group aims to increase the number of owner approach visits to 40,000 companies[52] - The group expects an increase of ¥7 billion in fee income from business strategy proposals[59] Japanese Corporate & Investment Banking Business Group (JCIB) - The Japanese Corporate & Investment Banking Business Group achieved the highest ROE of 14.5% and net operating profits of ¥559.7 billion in FY24 among all business groups[77] - The group aims to reduce equity holdings to ¥700 billion and less than 20% of total assets by the end of March 2027[86] - The group aims to increase non-recourse loan balance in the real estate field to 100 (FY24＝100) in FY26[89] Global Commercial Banking Business Group (GCB) - The Global Commercial Banking Business Group recorded an all-time high NOP in FY24[100] - Krungsri's domestic corporate loan increased by 5%[102, 105] - Bank Danamon's loan balance increased by ¥0.1 trillion[108] - The group aims to cover 1 in 4 of the ASEAN adult population with digital finance users in 10 years[131] Asset Management & Investor Services Business Group (AM/IS) - The Asset Management & Investor Services Business Group targets approximately 19% ROE in FY26[137] - The group aims to increase AuM to ¥200 trillion and AuA to ¥100 trillion by FY29[142]

Core Viewpoint - The International Organization for Standardization (ISO) has released a new standard (ISO 25556:2025) focusing on the digital economy from the perspective of an aging population, with China leading its development [1][3] Group 1: Standard Overview - The standard outlines basic principles and core elements for an age-inclusive digital economy, providing specific recommendations and application cases for high-frequency scenarios such as online shopping, digital banking, and smart transportation [1][2] - It aims to bridge the digital divide for the elderly by offering scientific solutions to enhance their participation in the digital economy [1][3] Group 2: Specific Recommendations - For online shopping, the standard suggests simplifying operational processes and implementing large fonts and high-contrast interfaces to assist elderly users [1] - In digital banking, it encourages features like voice guidance and quick access to customer service to facilitate transactions for older adults [1][2] Group 3: Broader Implications - The standard also addresses smart transportation by promoting features like one-click ride-hailing and trip-sharing with family to enhance safety and convenience for elderly users [2] - In smart community initiatives, it advocates for the integration of essential service information in an easily understandable format for older adults [2] Group 4: National Efforts and International Collaboration - The National Market Supervision Administration of China has established a joint working group to enhance standardization in the aging sector, resulting in over 240 national standards related to aging and accessibility [2][4] - China is actively promoting international recognition of its aging-related standards, aligning closely with those of developed countries like Japan and Germany, emphasizing accessibility and safety [4]

Core Viewpoint - The Spanish Prime Minister Sanchez stated that both the payment systems and digital banking are functioning normally [1] Group 1 - The current operational status of payment systems in Spain is stable and efficient [1] - Digital banking services in Spain are also reported to be running without issues [1]