"我预产期就在这几天，医院里社保卡突然用不了了！"近日临近下班，一位面带焦急的孕妇匆匆走进农 行济南舜华北路支行，急切的声音立刻牵动了现场工作人员的心。 此次紧急服务，是农行济南舜华北路支行践行"客户至上"理念的生动写照。支行工作人员以"急客户之 所急"的责任担当、专业高效的业务能力和暖心周到的服务细节，为客户解了燃眉之急，让金融服务充 满温度，更彰显了国有大行立足民生、服务群众的使命担当。 据客户讲述，她的预产期就在周末，当天到医院办理产检及待产相关手续时，突然发现社保卡无法正常 使用，而当天急需用卡结算医疗费用，情急之下便赶到银行求助。了解情况的紧迫性后，工作人员第一 时间上前安抚，一边耐心疏导客户情绪，一边迅速协助其联系社保部门，详细说明情况并申请紧急处 理。经与社保部门高效沟通、逐项排查，最终确定问题源于数据异常，导致客户社保账户意外处于注销 状态，需及时完成账户重置。待社保部门完成账户重置后，工作人员立刻启动快速办理通道，熟练完成 信息核对、制卡激活等流程，仅用半小时便为客户办好新社保卡，并当场确认卡片可正常使用。"太感 谢你们了，还耽误你们下班！"手持新社保卡的客户再三致谢。 ...

Group 1: Business Performance Highlights - The company achieved a 20.47% year-on-year increase in the issuance of the third-generation social security cards, with over 11 million cards issued in the first half of the year [3] - New contract amounts for "Human Resources Operation and Big Data Services" grew by 12.87% year-on-year, expected to reflect in performance in the second half of the year [3] - Gross profit margin increased by 4.03% year-on-year, driven by a reduction in low-margin business revenue and optimization of service models [3] Group 2: Challenges and Areas for Improvement - Although absolute values of the company's three major expenses decreased, their proportion of revenue increased year-on-year due to higher investments in team building and resource allocation [4] - The company faces pressure on performance due to extended initiation cycles and increased complexity of government projects, prompting a shift towards smaller service orders [4] - Organizational changes during the business model transition have led to increased management costs and time investments [4] Group 3: Future Development Directions - The company aims to solidify its position as a "social security card service provider," focusing on employment, medical, and government services while building a human-centered service ecosystem [4] - Plans to leverage AI support platforms to create an integrated online and offline operational service system, enhancing connections with public service scenarios [4] - The market potential is projected to be in the hundreds of billions, depending on the population size and service depth in covered cities [4] Group 4: Q&A Insights - AI application services are expected to compensate for declines in traditional business, with nearly 30% of revenue coming from "Human Resources Operation and Big Data Services" [6] - The company has developed a standardized service model for employment services, which can be rapidly replicated across cities [7] - The issuance of social security cards is expected to maintain a steady pace, with over 50% of the third-generation cards still needing to be issued in some cities [9] - The company remains optimistic about future revenue and profit levels despite market challenges and organizational adjustments [9]

Core Viewpoint - The article emphasizes the importance of providing attentive and proactive customer service, as demonstrated by the actions of the CCB Jinan Minghu Branch, which has received high praise from clients for its commitment to service excellence [1][2]. Group 1: Customer Service Example - A customer faced issues with her social security card at a hospital and sought help from the bank, where a teller went beyond the basic inquiry to identify the problem as a card upgrade issue, providing a one-stop solution by issuing a new card on-site [1]. - The customer expressed gratitude for the teller's thoroughness, highlighting that without the additional questions and information, she would have faced unnecessary complications [1]. Group 2: Service Philosophy - The bank integrates the concept of "service enhancement and excellence" into daily operations, encouraging employees to actively observe customer needs and treat customer issues as their own [1]. - The bank aims to provide efficient, convenient, and heartfelt service by not only addressing surface problems but also verifying policies and ensuring comprehensive support for customers [1][2]. - The bank plans to continue refining its service capabilities to offer reliable, worry-free, and warm financial services to clients in the future [2].

Core Points - The article highlights a case where a senior citizen, Mr. Wang, faced difficulties using his new social security card due to it being inactive, while his old card was demagnetized, illustrating the challenges faced by elderly individuals in accessing financial services [1] - Agricultural Bank of China (ABC) in Jinan's Changqing District provided prompt and compassionate home service to activate Mr. Wang's card, showcasing the bank's commitment to serving vulnerable groups [1] - The bank has implemented measures such as optimizing service processes and opening green channels to ensure elderly customers can access safe, convenient, and efficient financial services without leaving their homes [1] - Since the beginning of 2025, the Changqing branch has provided home services over 20 times, indicating a strong focus on customer needs [1] - The bank plans to continue focusing on the needs of the elderly population, enhancing its age-friendly financial services [2] Summary by Category Customer Service - The bank's staff visited Mr. Wang at home to assist with activating his social security card, demonstrating a proactive approach to customer service [1] - The service included explaining the process and assisting with the authorization for closing the old card account, ensuring the elderly customer felt supported [1] Commitment to Vulnerable Groups - The bank's actions reflect its dedication to addressing the urgent needs of special groups, particularly the elderly, by extending its service reach [1] - The bank's ongoing efforts to provide tailored financial services to the elderly population highlight its commitment to social responsibility [2]

Core Viewpoint - The company reported a decline in revenue and net profit for 2024 and Q1 2025, but maintains a strong cash flow to support business transformation [1] Financial Performance - In 2024, the company achieved revenue of 658 million yuan, a year-on-year decrease of 21.93%, and a net profit of 20.38 million yuan, down 72.13% [1] - For Q1 2025, revenue was 132 million yuan, a decline of 12.75%, with a net profit of 6.51 million yuan, down 5.19% [1] - The company’s gross margin remained stable, and absolute values of three major expenses (sales, management, R&D) decreased year-on-year [1] Business Transformation - The company is extending its social security card services into areas such as employment, medical services, and government services, aligning with national policies promoting consumer services [1] - The company is focusing on internal cost reduction and efficiency improvements, although the conversion of expenses into performance has been low [1] Social Security Card Services - The decline in the core social security card service is attributed to a shift in government strategy from rapid issuance to a service-driven approach [2] - As of the end of 2024, the number of holders of the third-generation social security card exceeded 500 million, with nearly 900 million cards remaining to be issued [2] Employment Services - The company differentiates itself from traditional HR firms by focusing on government resources and providing services to specific demographics such as blue-collar workers and veterans [3] - The company aims to increase its revenue from human resources operations and big data services, which are expected to contribute over 50% of total revenue in the future [3] Data Element Business - The company won a bid for the operation of the Guangzhou Data Exchange service area and received the first global ISO 55013 certification for data asset management [4] - The company plans to integrate data resources and participate in public data governance, aiming to unlock the value of data elements [4] Mergers and Acquisitions - The company is actively looking for market acquisition opportunities and has previously acquired an internet HR company [4] - Future acquisitions will focus on business synergy and enhancing regional service capabilities, as well as improving R&D strength in AI and data resource utilization [4]