香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條而作出。 茲載列交通銀行股份有限公司於上海證券交易所網站刊登的《交通銀行股份有限 公司關於召開2025年第三次臨時股東大會的通知》，謹供參閱。 承董事會命 交通銀行股份有限公司 何兆斌 公司秘書 中國上海 2025年9月4日 於本公告發佈之日，本行董事為任德奇先生、張寶江先生、殷久勇先生、 周萬阜先生、常保升先生*、廖宜建先生*、陳紹宗先生*、穆國新先生*、 艾棟先生*、羅小鵬先生*、石磊先生 # 、張向東先生 # 、李曉慧女士 # 、馬駿先生 # 、 王天澤先生 # 及肖偉先生 # 。 一、召开会议的基本情况 （一）股东大会类型和届次 2025 年第三次临时股东大会 * 非執行董事 ＃ 獨立非執行董事 股票代码：601328 股票简称：交通银行 编号：临 2 ...

Core Viewpoint - The Bank of Communications reported a solid performance for the first half of 2025, emphasizing its role in supporting the real economy and aligning with national strategies, achieving stable growth in key financial metrics [2][10]. Financial Performance - Total assets reached 15.44 trillion yuan, a year-on-year increase of 3.59% [2]. - Operating income was 133.37 billion yuan, with a net profit attributable to shareholders of 46.02 billion yuan, reflecting year-on-year growth of 0.77% and 1.61% respectively [2]. Loan Growth and Support for the Real Economy - Customer loan balance reached 9 trillion yuan, up 443.4 billion yuan from the previous year, marking a growth rate of 5.18% [3]. - Corporate loans increased by 365.4 billion yuan, with a growth rate of 6.30%, and personal loans also saw significant growth [3][7]. Regional Loan Performance - Loans in the Yangtze River Delta region grew by 6.9%, accounting for nearly 30% of total loans, with significant growth in corporate credit [4]. Innovation and Digital Finance - The bank has been proactive in financial innovation, including the launch of various digital services and products, enhancing its digital finance capabilities [5][8]. - The balance of loans in the digital economy core industry exceeded 286 billion yuan, with internet loans growing by 8.52% [8]. Focus on Key Areas - The bank has increased support for strategic sectors such as manufacturing, small and micro enterprises, and green finance, with notable growth in relevant loan categories [6][7]. - The balance of green finance loans grew by 6.58%, and the bank issued 145 billion yuan in green financial bonds [6]. Customer Base and Capital Strength - The bank's customer base expanded, with a total of 2.95 million corporate clients and 202 million retail clients, reflecting growth rates of 3.75% and 1.30% respectively [10]. - The bank raised 120 billion yuan through the issuance of new shares, enhancing its core capital and operational stability [10].

股票代码：601328 股票简称：交通银行 编号：临 2025-059 交通银行股份有限公司 关于召开2025年第三次临时股东大会的通知 交通银行股份有限公司（以下简称"交通银行"或"本公司"）董事会及全体董事保证 本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性 和完整性承担法律责任。 重要内容提示： 系统 一、召开会议的基本情况 （一）股东大会类型和届次 2025年第三次临时股东大会 （二）股东大会召集人：董事会 （三）投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相 结合的方式（网络投票适用于 A 股股东） （四）现场会议召开的日期、时间和地点 时间：2025 年 9 月 25 日 9：30 （五）网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 9 月 25 日 至2025 年 9 月 25 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25,9:30-11:30，13:00-15:00；通过 互联网投票平台的投票时 ...

股东大会议程 交通银行股份有限公司 2025 年第三次临时股东大会 资 料 2025 年 9 月 | | | | 股东大会议程 | 2 | | --- | --- | | 股东大会议案 | 4 | | （一）关于修订《交通银行股份有限公司股东大会议事规则》的议案 | 4 | | （二）关于修订《交通银行股份有限公司董事会议事规则》的议案 | 33 | | （三）关于选举第十一届董事会执行董事和非执行董事（股权董事）的议案 46 | | | （四）关于选举第十一届董事会独立董事的议案（本议案实行累积投票制） 51 | | 1 现场会议开始时间：2025 年 9 月 25 日（星期四）9:30 现场会议地点：上海市银城中路 188 号交银金融大厦 网络投票（适用于 A 股）：采用上海证券交易所股东大会网络 投票系统 召集人：交通银行股份有限公司董事会 会议议程： 一、大会主席宣布开会 二、审议各项议案 （一）关于修订《交通银行股份有限公司股东大会议事规则》的议案； （二）关于修订《交通银行股份有限公司董事会议事规则》的议案； （三）关于选举第十一届董事会执行董事和非执行董事（股权董事）的议案； （四）关于选举第十 ...

Core Viewpoint - In the first half of 2025, A-share listed banks reported significant investment income growth, with non-interest income becoming a crucial revenue pillar amid weak credit demand [2][3]. Investment Income Performance - 42 listed banks achieved substantial investment income, with 13 banks exceeding 10 billion yuan in investment income [2]. - The Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), Agricultural Bank of China (ABC), and China Merchants Bank (CMB) each reported over 20 billion yuan in investment income [2][3]. - CCB led with a remarkable 217.29% year-on-year increase in investment income, reaching 27.912 billion yuan [3][9]. Growth Rates - Several banks exhibited impressive growth rates, with CCB at 217.29%, followed by Changsha Bank at 118.82%, and Zhengzhou Bank at 111.10% [3]. - Other banks with notable growth include Qingdao Bank (93.93%) and Zijin Bank (95.41%) [3]. Contribution to Revenue - Investment income's contribution to total revenue varies significantly, with large state-owned banks focusing more on lending, while smaller banks rely heavily on investment income [6]. - For instance, investment income accounted for 39.14% of Shanghai Bank's revenue, while state-owned banks like ICBC and CCB had lower ratios below 10% [6]. Market Conditions and Strategies - The investment income surge is partly attributed to favorable conditions in the bond market last year, with banks capitalizing on market opportunities [4][10]. - Despite the current challenges in the bond market, banks like CCB have increased their holdings in government bonds and green bonds, reflecting a strategic shift [5][10]. Future Outlook - The sustainability of high investment income growth is under scrutiny, as banks may face challenges in maintaining high yields amid a potential "asset shortage" [7]. - Industry experts suggest that while the bond market may present opportunities, the overall investment landscape is becoming increasingly difficult [11].

Core Insights - The retail business has become a focal point for banks, with significant growth reported by the six major banks, while smaller banks show weaker performance in personal loans [1][4][5] - There is a divergence in opinions among banks regarding the risk trends in retail loans, with some believing the peak of bad loans has passed, while others see ongoing risk increases [1][2][7] Retail Business Performance - The six major banks have shown strong growth in retail business, with notable increases in personal consumption and operating loans, capturing a significant market share [1][4] - Specific growth figures include: - China Construction Bank's personal operating loans increased by 20.38% - Industrial and Commercial Bank of China’s personal consumption loans grew by 10.2% - Agricultural Bank of China’s personal operating loans rose by 17.2% [4] Divergence Among Banks - Smaller banks, including joint-stock and city commercial banks, have experienced sluggish growth in personal loans, with some reporting negative growth [1][5][6] - For instance, Ping An Bank's personal loan total decreased by 2.3%, while China Everbright Bank's retail loan growth was only 1.57% [5] Market Conditions and Future Outlook - The introduction of consumption loan subsidies is expected to create more variables in the retail market for the fourth quarter and next year [3] - Smaller banks are under pressure from larger banks and are focusing on improving their retail loan offerings, particularly in housing and consumption loans [3][8] Strategies for Growth - Major banks are expected to continue focusing on personal consumption and operating loans, leveraging central policies to support growth [8][9] - Smaller banks are looking to enhance their loan offerings by collaborating with local enterprises and improving loan approval processes to compete with larger banks [7][9]

Core Viewpoint - The 15th China-Northeast Asia Expo showcased the comprehensive business and global service advantages of the Bank of Communications Jilin Branch, emphasizing its commitment to high-quality financial services that empower stable development in foreign trade [1][2]. Group 1: Financial Services and Innovations - The Bank of Communications Jilin Branch has optimized cross-border service mechanisms to enhance trade finance efficiency, implementing measures such as simplified document review to provide efficient cross-border settlement services for foreign trade enterprises [1]. - The branch has launched a special action plan and promotional activities like "Jihui Chunfeng" to manage exchange rates effectively, introducing services such as "Exchange Rate Steward" and collaborating with local financing guarantee groups to reduce hedging costs for small and micro enterprises [1]. Group 2: Digital Financial Applications - The Bank of Communications Jilin Branch is actively utilizing digital tools to enhance service efficiency, focusing on the innovative application of the cross-border financial service platform by the State Administration of Foreign Exchange [2]. - The branch successfully implemented the first batch of bank-enterprise financing matching services in the province, supporting the launch of specialized services for the Jilin China-Europe Railway Express, thereby facilitating export financing through data-driven approaches [2].

（股份代號：03328） 臨時股東大會通告 茲通告交通銀行股份有限公司（「本行」）將於2025年9月25日（星期四）上午九時 三十分假座中華人民共和國（「中國」）上海市銀城中路188號交銀金融大廈舉行臨時股 東大會（「臨時股東大會」），藉以處理下列事項： 普通決議案（非累積投票議案） – 1 – 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚賴該等內容而引致之任 何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） 1. 審議及酌情批准重選本行執行董事及非執行董事： 1.01 審議及酌情批准重選任德奇先生為本行執行董事。 1.02 審議及酌情批准重選張寶江先生為本行執行董事。 1.03 審議及酌情批准重選殷久勇先生為本行執行董事。 1.04 審議及酌情批准重選周萬阜先生為本行執行董事。 1.05 審議及酌情批准重選常保升先生為本行非執行董事。 1.06 審議及酌情批准重選廖宜建先生為本行非執行董事。 1.07 審議及酌情批准重選陳紹宗先生為本行非執行董事。 特別決議案（非累積投票 ...

（於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 擬於二零二五年九月二十五日（星期四）舉行之臨時股東大會之代表委任表格 | 本人╱吾等持有的全部H股股份 | | --- | | 中質押H股股份數目 | | 本人╱吾等持有的全部H股股份 | | 中質押H股股份所佔比例 | 本人╱吾等 （附註1） ， ， 地址為 ， 為交通銀行股份有限公司（「本行」或「貴行」）股本中每股面值人民幣1.00元之H股 股 登記持有人，茲委任臨時股東大會主席 （附註3） 或 ， 地址為 ， 為本人╱吾等之代表，代表本人╱吾等出席貴行將於二零二五年九月二十五日（星期四）上午九時三十分假座中華人民共和國（「中 國」）上海市銀城中路188號交銀金融大廈舉行之臨時股東大會（「臨時股東大會」）及其任何續會，以審議並酌情通過召開臨時股東大 會通告所載之決議案，並代表本人╱吾等以本人╱吾等之名義依照下列指示 （附註4） 就該等決議案投票。 | | 普通決議案 | （附註4） 贊成 | （附註4） 反對 | （附註4） 棄權 | | --- | --- | --- | --- | --- | | | （非累積投票議案） | | | ...

閣下如對本通函任何方面或應採取之行動有任何疑問，應諮詢 閣下之股票經紀或其他持牌證券商、銀行 經理、律師、專業會計師或其他專業顧問。 閣下如已將名下之交通銀行股份有限公司的全部股份出售或轉讓，應立即將本通函連同隨附之代表委任表 格送交買主或承讓人，或經手買賣或轉讓之銀行、持牌證券商或其他代理，以便轉交買主或承讓人。 此乃要件 請即處理 （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 建議委任及重選董事 建議修訂議事規則 及 臨時股東大會通告 本行謹訂於2025年9月25日（星期四）上午九時三十分假座中國上海市銀城中路188號交銀金融大廈舉行臨 時股東大會，臨時股東大會通告載於本通函的第72頁至第75頁。 香港交易及結算所有限公司及香港聯合交易所有限公司對本通函之內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本通函全部或任何部份內容而產生或因依賴該等內容而引致之任何 損失承擔任何責任。 | 釋義 1 | | | | --- | --- | --- | | 董事會函件 3 | | | | 1. 序言 3 | | | | 2. 建議委任及重選董事 4 | | | | 3 ...