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浙商银行将在9月5日至9月6日进行计算机系统维护
Jin Tou Wang· 2025-08-29 03:33
Core Viewpoint - Zhejiang Commercial Bank will conduct a computer system maintenance from September 5, 2025, 22:30 to September 6, 2025, 6:00 to enhance service quality [1] Group 1: Maintenance Impact - During the maintenance period, various electronic banking services including online banking, mobile banking, WeChat banking, and third-party payment services will be temporarily affected [1] - Self-service operations such as ATM withdrawals, transfers, POS consumption, and online applications without cards will also experience disruptions [1] - Customers are advised to contact the 24-hour customer service hotline for any inquiries during the maintenance [1]
不以风险下沉换取短期利润!中信银行行长业绩会上“反内卷”
Bei Jing Shang Bao· 2025-08-28 11:34
Core Viewpoint - The bank emphasizes maintaining risk resilience over short-term profit growth, adhering to a "反内卷" (anti-involution) policy to uphold operational standards [1][3]. Financial Performance - In the first half of 2025, the bank reported a net profit of 36.478 billion yuan, a year-on-year increase of 2.78%, while operating revenue decreased by 2.99% to 105.762 billion yuan [3]. - Net interest income was 71.201 billion yuan, down 1.94%, and non-interest income was 34.561 billion yuan, down 5.08% [3]. - The net interest margin was 1.63%, a decrease of 0.14 percentage points year-on-year, and the net profit margin was 1.60%, down 0.11 percentage points [3][4]. Market Environment - The bank's performance is influenced by a low-interest-rate environment and the gradual expiration of high-yield assets, which may exert downward pressure on asset yields and interest margins [4]. - The "反内卷" policy and neutral monetary policy are expected to stabilize the banking sector's net interest margin [4]. Retail Banking Strategy - The bank's retail management assets reached 4.99 trillion yuan, a growth of 6.52% year-on-year, but retail banking net income fell by 8.43% to 38.107 billion yuan [5][6]. - Changes in consumer asset allocation include a shift from deposits to wealth management and insurance products, with a focus on low-risk investments [5]. - The bank aims to enhance its asset organization capabilities and diversify its product offerings, including a transition to "固收+" strategies in wealth management [5][6]. Industry Competition - The bank acknowledges the challenges posed by intense competition in the retail sector, including price wars and changing consumer preferences [5][7]. - The government has signaled a need for supply-side reforms to regulate market order and promote sustainable development in the banking sector [8]. Support for Industry Transformation - The bank is committed to supporting industries undergoing transformation while avoiding excessive support for overcapacity sectors [8][9]. - The bank plans to focus on high-end manufacturing enterprises with independent R&D capabilities while gradually withdrawing from low-end manufacturing sectors lacking core competitiveness [9].
建设银行:提示风险
Zhong Guo Ji Jin Bao· 2025-04-14 12:50
Group 1 - The core viewpoint is that the volatility of precious metal prices has increased, prompting banks to issue risk warnings to investors regarding precious metal investments [1][2][4] - Construction Bank has repeatedly issued similar warnings throughout the year, indicating a significant rise in market risk associated with precious metals [4][6] - Several banks have raised the minimum investment thresholds for gold accumulation business, thereby increasing the barriers for individual investors [8] Group 2 - On April 14, the spot gold price reached a new historical high of $3,245 per ounce, reflecting a continuous rise in international gold prices [9] - Goldman Sachs has raised its gold price forecast for the end of 2025 from $3,300 to $3,700 per ounce, marking a 12% increase, which is the most aggressive adjustment by the firm this year [10] - The World Gold Council reported an increase in global central bank gold reserves by 24 tons in February, driven by concerns over U.S. economic growth and rising inflation [11]
建设银行:近期贵金属业务市场风险提示
news flash· 2025-04-14 08:15
Group 1 - The core viewpoint of the article highlights the increased market risk associated with precious metals due to recent price volatility in both domestic and international markets [1] - The company advises stakeholders to enhance their risk awareness regarding precious metals business and to manage their positions prudently [1] - It emphasizes the importance of monitoring holdings and margin balance changes to ensure rational investment decisions [1]