Core Viewpoint - Postal Savings Bank emphasizes its commitment to local development and comprehensive cross-border services for both individual and corporate clients, leveraging its extensive network and online channels [2] Group 1: Services for Individual Clients - The bank offers a range of services including foreign currency savings, international remittances, foreign exchange trading, currency exchange, and issuance of foreign currency carrying certificates [2] - It has partnered with DBS Bank to launch cross-border wealth management services (Southbound) for clients in the Greater Bay Area, facilitating diversified global asset allocation [2] Group 2: Services for Corporate Clients - The bank provides 24/7 cross-border settlement, financing, and foreign exchange services, collaborating with overseas branches of Chinese banks, globally significant banks, and core regional banks in overseas financial markets [2] - It aims to build a global international cooperation layout and supports the "Belt and Road" initiative through overseas project financing, cross-border syndication, and guarantees [2] Group 3: Digital Currency Initiatives - Since 2024, the bank has successfully connected to a multilateral central bank digital currency bridge, which serves various industries including finance, manufacturing, retail, construction, wholesale, logistics, and precious metal processing [2] - The digital currency bridge offers advantages such as instant transactions and full traceability, effectively supporting the bank's overseas business development [2]

证券日报网讯 1月5日，邮储银行在互动平台回答投资者提问时表示，我行立足资源禀赋，植根本土发 展，遍布城乡的营业网点及全面赋能的线上渠道，为个人和企业客户提供完备的跨境服务。面向个人客 户，我行提供外币储蓄、国际汇款、结售汇、外币兑换和外币携带证开具等服务，除美元外币理财之 外，携手星展银行对大湾区客户推出跨境理财通（南向通）服务，助力客户实现资产全球配置的多元化 需求。面向企业客户，提供全天候的跨境结算、融资、汇兑等服务，通过与中资银行境外分支机构、全 球系统重要性银行、境外金融市场核心区域银行的业务合作，打造面向全球的国际合作布局，并通过境 外项目融资、跨境银团、跨境担保等助力构建"一带一路"立体互联互通网络。2024年以来，我行成功接 入多边央行数字货币桥，目前数字货币桥已广泛服务于金融、制造、零售、建筑、批发、货运及贵金属 加工等多个行业，凭借秒级到账、全程可溯等优势，有效助力我行境外业务发展。关于我行经营发展及 业务详情，请关注我行官网，以及我行发布的定期报告及相关公告。 （编辑 楚丽君） ...

内蒙古银行聚焦服务实体经济，以高效审批与综合化服务为抓手，向中盐吉兰泰盐化集团有限公司批复 15亿元集团授信，期限1年，并完成首期4.4亿元投放，支持企业在日常经营周转与原材料采购等关键场 景的资金需求，以金融活水助力这家扎根内蒙古的国有大型盐化企业加速产业布局、提升经营效能。 本次合作以"快审、优价、组合担保、全链条服务"，助力央企子公司做优做强、行稳致远，体现了本土 金融机构服务实体经济的担当与效率。这一合作不仅是银企双方深化战略协作的重要里程碑，更开创了 银企携手服务国家战略、推动区域经济转型升级的崭新篇章，是金融供给侧精准滴灌实体经济的生动实 践。 授信结构精准定制，全方位满足集团化运营需求 本次集团授信方案设计凸显了精准化、结构化的服务理念。内蒙古银行深入调研中盐吉兰泰盐化集团的 多元化运营格局后，对15亿元总额进行了科学分解。 向集团母公司中盐吉兰泰盐化集团有限公司提供5亿元流动资金贷款，以信用方式担保，保障其日常经 营周转的资金血脉畅通；为其控股的上市公司——中盐内蒙古化工股份有限公司配置4亿元流动资金贷 款，专项用于原材料采购及营运资金补充，巩固其产业核心地位，分别为中盐吉兰泰氯碱化工有限公 ...

Core Viewpoint - Jinzhou Bank has announced the approval of its assets, liabilities, business, branches, and personnel to be acquired by Industrial and Commercial Bank of China (ICBC), ensuring that the rights of depositors remain unaffected [1] Group 1: Acquisition Details - The acquisition involves a formal agreement between Jinzhou Bank and ICBC, marking a significant case of consolidation among small and medium-sized banks [1] - The transfer includes various banking services such as corporate accounts, online banking, payroll services, and personal banking services [3] - The migration of services will require adjustments to account numbers for depositors, with specific changes to debit cards and other banking instruments [2][3] Group 2: Regulatory Context - The Financial Regulatory Bureau has emphasized the importance of risk management and the orderly advancement of mergers and restructuring among small financial institutions [9][11] - Recent data indicates a reduction in the number of small banks, with a total of 3,505 institutions reported as of mid-2023, a decrease of 222 from the previous year [9] Group 3: Historical Background - Jinzhou Bank faced a severe liquidity crisis in 2019, leading to a significant restructuring involving the acquisition of 1.5 trillion RMB in non-performing assets [7] - Following the restructuring, Jinzhou Bank's capital adequacy ratios improved, with a non-performing loan ratio dropping to 1.95% [7][8] - The bank's operational performance has not shown significant improvement post-restructuring, with a reported net profit decline of 23.5% year-on-year as of mid-2022 [8]

Core Insights - China Bank's overseas institutions have shown steady financial growth, with total assets reaching $1.15 trillion by the end of 2024, representing 22.48% of the group's total assets, an increase of 0.17 percentage points from the previous year [1] - The pre-tax profit from overseas institutions amounted to $11.106 billion, contributing 26.72% to the group, which is an increase of 4.08 percentage points year-on-year [1] - The trend of Chinese enterprises "going global" has strengthened, increasing the demand for related financial services, providing a favorable growth outlook for China Bank's overseas business [1] Business Strategy - China Bank plans to expand its global advantages by consolidating and expanding its traditional cross-border business, focusing on areas such as foreign exchange settlement, international settlement, and trade financing [2] - The bank aims to enhance its service in emerging business areas, actively supporting new foreign trade formats like cross-border e-commerce and overseas warehouses, thereby increasing its market share in comprehensive financial services [2] - In terms of regional strategy, China Bank will optimize its regional layout, particularly strengthening its position in Hong Kong and Macau, and promoting the transformation of Bank of China Hong Kong from a city bank to a regional bank [2] Future Outlook - Looking ahead to 2025, China Bank intends to leverage the favorable environment of relatively high overseas interest rates to maintain significant contributions from its overseas business and further enhance its global operational advantages [2]