股票代码：601328 股票简称：交通银行 编号：临 2024-046 交通银行股份有限公司 关于 2024 年第一期总损失吸收能力非资本债券 （债券通）发行完毕的公告 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。 本公司2023年度股东大会审议批准了2024年底前发行不超过人民币1,300亿 元（含等值外币）的总损失吸收能力非资本债券。 特此公告 交通银行股份有限公司董事会 2024 年 11 月 27 日 经国家金融监督管理总局和中国人民银行批准，本公司近日在全国银行间债 券市场发行"交通银行股份有限公司2024年第一期总损失吸收能力非资本债券 （债券通）"（以下简称"本期债券"），并于2024年11月27日发行完毕。本期 债券发行规模人民币300亿元，为4年期固定利率债券，票面利率2.11%，在第3 年末附有条件的发行人赎回权。 本期债券募集资金在扣除发行费用后，将依据适用法律和主管部门的批准用 于提升本公司总损失吸收能力。 ...

交通银行股份有限公司 关于迪拜国际金融中心分行开业的公告 股票代码：601328 股票简称：交通银行 编号：临 2024-045 2024 年 11 月 27 日 2 特此公告 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。 交通银行股份有限公司董事会 本公司迪拜国际金融中心分行于当地时间2024年11月27日在阿联酋迪拜国 际金融中心正式开业。关于设立迪拜国际金融中心分行的董事会决议详见本公司 在上海证券交易所网站（www.sse.com.cn）发布的《交通银行股份有限公司第八 届董事会第二十一次会议决议公告》（编号：临2018-044）。 本公司始终坚持稳健合规的经营理念，巩固全球化发展优势，统筹发展与安 全，积极搭建联通内外的金融桥梁，为国家高水平对外开放、构建新发展格局贡 献金融力量。近年来，公司境外服务网络布局稳步推进，已形成横跨五大洲、覆 盖主要国际金融中心的境外经营网络。迪拜国际金融中心分行开业后，本公司在 全球设有24家境外分（子）行及代表处，境外经营网点67 ...

为贯彻落实国家关于小微企业融资协调机制部署会议精神，落实山西省委省政府关于支持中小微企业发 展的重要指示，交通银行山西省分行主动对接山西省发展和改革委员会、国家金融监督管理总局山西监 管局，成立省、辖、支行三级专班推动中小微企业融资协调工作机制，切实缓解中小微企业融资难融资 贵等问题，构建了"信贷＋"综合服务模式，以交银展业通品牌宣传，组织开展了周周奖活动。 交通银行山西省分行积极参与政府组织的"千企万户大走访"活动，深入园区、社区、乡村，致力服务好 中小微企业，并针对小微法人企业，从11月11日起，连续开展11周"交银展业通周周奖"活动。 (CIS) ...

Core Points - The event "Social Insurance into Thousands of Families" was launched by the Bank of Communications Shenzhen Branch in collaboration with the Shenzhen Social Insurance Fund Management Bureau to enhance social insurance services for residents [1][2] - The initiative aims to ensure that social insurance policies benefit a wide range of households, providing efficient and convenient services [2] Group 1 - The event involved interactive activities such as distributing promotional materials, on-site explanations, and quiz games to engage the community on topics like financial services, insurance participation, and pension reforms [2] - The Shenzhen Branch has equipped all 55 of its outlets with instant social insurance card issuance machines, allowing for a 15-minute on-site card issuance service [2] - An online home delivery service for social insurance cards has been launched, providing free mailing services to customers nationwide, enhancing service convenience [2] Group 2 - Future plans include deepening cooperation with the social insurance bureau to conduct broader outreach in communities, enterprises, and business districts, aiming to improve public understanding of social insurance policies [3] - The focus will be on enhancing service capabilities and ensuring that various convenience measures are effectively implemented to support the elderly financial services [3]

Core Insights - The article highlights a successful intervention by the Shenzhen branch of Bank of Communications in preventing a "screen sharing" fraud case, saving a customer from a potential loss of approximately 300,000 yuan [1] Group 1: Fraud Prevention - The customer, Ms. Liu, received a suspicious call from an unknown number claiming she needed to stop a premium deduction process to avoid extra fees [1] - Following the caller's instructions, Ms. Liu added the fraudster on WeChat and clicked on a link to share her phone screen, which led to further manipulation [1] - The quick response from the bank's customer manager, who identified the scam and guided Ms. Liu to cease contact with the fraudster, was crucial in preventing financial loss [1] Group 2: Customer Service - The bank's staff acted promptly to change Ms. Liu's bank card number and password, demonstrating effective customer service and crisis management [1] - Ms. Liu expressed her appreciation for the professional and meticulous service provided by the bank's staff during the incident [1] Group 3: Social Responsibility - Bank of Communications in Shenzhen emphasizes its commitment to social responsibility by actively working to protect the financial security of the public [1] - The bank plans to enhance financial safety awareness through regular campaigns to combat telecom fraud and safeguard people's assets [1]

Investment Rating - The investment rating for the company is "Outperform the Market" [1] Core Views - The company's profitability remains robust, with significant loan growth and stable net interest margin. The ratio of overdue loans and loans under scrutiny has decreased quarter-on-quarter, leading to the maintenance of the "Outperform the Market" rating [3][4] Summary by Sections Financial Performance - In the first three quarters of 2024, the company's revenue growth rate was -1.39%, and the net profit attributable to the parent company grew by -0.69%. In Q3 2024, revenue increased by 3.3% year-on-year, and net profit increased by 1.2% year-on-year, showing improvement compared to Q2 2024 [3] - The net increase in loans for Q3 2024 was 174.4 billion, with retail loans increasing by 73.9 billion and corporate loans increasing by 82.2 billion. Year-on-year growth rates for retail and corporate loans were 8.2% and 6.5%, respectively [3] Asset Quality - The non-performing loan (NPL) ratio for Q3 2024 was 1.32%, remaining stable quarter-on-quarter. The provision coverage ratio was 203.87%, indicating sufficient risk coverage. The proportion of loans under scrutiny decreased by 8 basis points to 1.58%, and overdue loans decreased by 6 basis points to 1.39% [4] Net Interest Margin - The net interest margin for the first three quarters of 2024 was 1.28%, remaining stable. In Q3 2024, the net interest margin was 1.23%, a decrease of 2 basis points quarter-on-quarter. The yield on interest-earning assets decreased by 7 basis points, while the cost of interest-bearing liabilities decreased by 17 basis points, indicating a favorable trend in funding costs [4] Valuation and Forecast - The forecasted EPS for 2024-2026 is 1.1, 1.12, and 1.15 yuan, with net profit growth rates of -3.56%, 1.42%, and 2.81%, respectively. The reasonable value based on the DDM model is 9.2 yuan, and the PB-ROE model gives a 2024E PB valuation of 0.65 times, leading to a reasonable value range of 8.47-9.2 yuan [5][6]

近日，交通银行深圳分行成功举办了一场"历史印记海事探索之旅"客户亲子研学活动，走进香港大馆与 海事博物馆，为客户家庭带来了一次难忘的体验之旅。 活动当天，大家早早地集合签到，满怀期待地踏上了旅程。来到香港海事博物馆，孩子们仿佛进入到一 个充满奇幻的海洋世界，他们首先在"船影之源"展区追溯船舶的起源，领略了海洋文化的广博与深邃； 随后，在"风暴之眼"展览中，孩子们身临其境地感受到航海者面对风暴时的勇气与智慧，对航海精神有 了更深的理解；在"未来船舶"展区，孩子们对未来航海科技展开了无限遐想，更加激发了他们探索海洋 世界的热情。 午后，大家来到了香港大馆，在专业讲解员的带领下，共同探索香港历史文化。活动还安排了一场别开 生面的剧本情景体验——"大馆'入狱'体验"，让大家身临其境地感受到了历史的沉重与深刻。 此次活动不仅促进了亲子间的情感交流，也让孩子们在历史的回望与科技的展望中拓宽了视野，点燃了 探索未知的热情。 交通银行深圳分行将持续丰富客户活动形式，提供更加贴心、更有温度的服务。（CIS） ...

Group 1 - The core viewpoint of the articles is that the Bank of Communications Shenzhen Branch is actively enhancing financial services for individual businesses in response to national policies aimed at promoting their development [1][2] Group 2 - Credit support has been comprehensively upgraded, with the bank customizing special credit resources for individual businesses, optimizing approval mechanisms, and reducing average loan approval time to 3 days. The personal operating loan balance has reached nearly 40 billion yuan, with individual business loans exceeding 15 billion yuan [1] Group 3 - The bank has established a regular communication mechanism with various local government agencies to deepen cooperation with individual businesses, successfully hosting multiple business matching events during the "Individual Business Service Month," covering over 100 individual businesses [1] Group 4 - Payment and settlement services have been made more convenient and efficient, with the bank promoting simplified account opening services and optimizing account management processes. Additionally, 13 payment and settlement fees have been waived, resulting in a total fee reduction of over 17 million yuan, benefiting more than 300,000 individual businesses [1] Group 5 - The bank is actively promoting financial policies through various channels, tailoring promotional content to help individual businesses understand and apply financial products. This includes hosting lectures and distributing promotional materials to enhance financial literacy among individual businesses [2] Group 6 - The Bank of Communications Shenzhen Branch plans to continue increasing support for the real economy and individual businesses by innovating service models, reducing financing costs, promoting financial knowledge, and protecting consumer rights, contributing to the high-quality development of inclusive finance [2]

近日，第十八届深圳国际金融博览会在深圳会展中心盛大开幕。此次金博会不仅汇聚了众多金融机构的 创新成果，也成为普及金融知识、提升公众金融素养的重要平台。交通银行深圳分行在金博会现场开展 了一场以"警钟长鸣，持续推动打击治理洗钱违法犯罪"为主题的反洗钱宣传活动，吸引了超过200位现 场观众积极参与。 在金博会交通银行展馆内，工作人员通过设立反洗钱咨询台、摆放宣传展板、发放宣传资料等多种形 式，向现场观众普及了反洗钱的基本知识和重要意义，提醒大家时刻保持警惕，不给洗钱犯罪分子可乘 之机。 为了让观众更好地理解反洗钱的相关知识，交通银行深圳分行的工作人员通过讲述真实的洗钱犯罪案 例，让观众深刻认识到洗钱犯罪的危害。在互动环节，现场观众积极提问，工作人员耐心解答，大家在 轻松愉快的氛围中掌握了识别洗钱犯罪的方法和技巧。 下一步，交通银行深圳分行将继续积极履行社会责任，不断丰富宣传方式和内容，增强公众反洗钱意识 和风险防范能力，为构建和谐安全的金融环境贡献力量。（CIS） ...

Key Points Industry/Company Involved - **Company**: Bank of Communications (BoCom) - **Industry**: Banking Core Views and Arguments - **Overall Performance**: BoCom's overall performance improved in the third quarter of 2024, with net profit reaching 68.69 billion yuan, a decrease of 0.69% year-on-year. The decline in revenue was marginal, with net operating income decreasing by 1.37% year-on-year. - **Net Interest Margin**: The net interest margin remained stable at 1.28% year-on-year. - **Asset Quality**: The non-performing loan ratio was 1.32%, down 0.01 percentage points year-on-year. The provision coverage ratio was 203.87%, up 8.66 percentage points year-on-year. - **Business Growth**: The bank's business grew across various segments, including corporate banking, retail banking, and wealth management. - **Digital Transformation**: BoCom emphasized its focus on digital transformation, with significant growth in digital banking services and mobile app user numbers. Other Important Points - **Corporate Banking**: The bank's corporate deposit and loan balances reached 4.91 trillion yuan and 5.53 trillion yuan, respectively. The bank also saw growth in its investment banking and trade finance businesses. - **Retail Banking**: The bank's retail deposit and loan balances reached 3.65 trillion yuan and 2.63 trillion yuan, respectively. The bank experienced growth in its retail customer base and private banking business. - **Wealth Management**: The bank's retail AUM reached 5.38 trillion yuan, a year-on-year increase of 7.52%. The bank also saw growth in its wealth management business. - **Digital Banking**: The bank's mobile app user numbers reached 4.68 million, and its open banking API calls exceeded 5.4 billion. - **Strategic Initiatives**: The bank highlighted its focus on green finance, digital transformation, and serving the real economy.