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） 公告 建議委任非執行董事 艾先生之任期將自金融監管總局核准其任職資格起至第十屆董事會任期屆滿之 日，任期屆滿後有資格重選連任。如獲委任，艾先生將不會從本行領取薪酬。 除上文所披露者外及截至本公告日期，董事會並不知悉任何有關艾先生的委任而 須提請股東注意之事宜，亦無任何其他資料須根據香港上市規則第13.51(2)條第 (h)至(v)項的規定予以披露。 本行將適時舉行股東大會，藉以審議及批准委任艾先生為本行非執行董事。 除上文所披露者外及截至本公告日期，艾先生並無擔任本行或其任何附屬公司之 任何其他職位，亦無於過往三年擔任任何其他上市公司之董事職務，與本行董 事、高級管理人員或持股5%以上的股東概無任何關係。 承董事會命 截至本公告日期，艾先生並無於本行或其任何相聯法團（定義見證券及期貨條例 第XV部）之任何股份、相關股份或債券中擁有或被 ...

Financial Performance - Net operating income for Q3 2024 was RMB 63,861 million, a year-on-year increase of 3.29%[3] - Profit before tax for the first nine months of 2024 was RMB 72,886 million, a slight decrease of 0.96% year-on-year[3] - Net profit attributable to shareholders for Q3 2024 was RMB 23,403 million, reflecting a year-on-year increase of 1.19%[3] - Basic earnings per share for Q3 2024 was RMB 0.28, unchanged from the previous quarter[3] - The net operating income for the first nine months of 2024 was CNY 196.411 billion, a year-on-year decrease of 1.37%[12] - The net profit attributable to shareholders of the parent company for the first nine months of 2024 was CNY 68.690 billion, a year-on-year decrease of 0.69%[12] - The company reported a net profit of RMB 69,412 million for the nine months ended September 30, 2024, compared to RMB 69,680 million for the same period in 2023[26] - For the nine months ended September 30, 2024, the total comprehensive income was RMB 75,380 million, an increase from RMB 74,153 million in the same period of 2023, representing a growth of 1.65%[29] - Net profit attributable to the parent company shareholders for the same period was RMB 68,690 million, slightly down from RMB 69,166 million in 2023, indicating a decrease of 0.69%[29] Asset and Liability Management - Total assets increased by 3.80% to RMB 14,594,709 million as of September 30, 2024, compared to RMB 14,060,472 million at the end of 2023[3] - Total liabilities increased by 3.81% to RMB 13,454,955 million, up from RMB 12,961,022 million[3] - The total equity attributable to shareholders of the parent company increased to RMB 1,127,908 million from RMB 1,088,030 million, reflecting a growth of 3.66%[34] Customer Loans and Deposits - Customer loans rose by 6.10% to RMB 8,442,157 million from RMB 7,957,085 million[3] - Customer deposits grew by 2.06% to RMB 8,727,029 million, compared to RMB 8,551,215 million[3] - The total customer loan balance at the end of the reporting period was CNY 8,442.157 billion, an increase of CNY 485.072 billion, or 6.10% compared to the end of the previous year[17] - The total customer deposit balance at the end of the reporting period was CNY 8,727.029 billion, an increase of CNY 175.814 billion, or 2.06% compared to the end of the previous year[18] Credit Quality - The non-performing loan balance at the end of the reporting period was CNY 111.500 billion, an increase of CNY 5.812 billion, or 5.50% compared to the end of the previous year[20] - The provision coverage ratio was 203.87%, an increase of 8.66 percentage points compared to the end of the previous year[20] - The total amount of loans classified as "concerned" is RMB 133,091 million, with a concerned loan ratio of 1.58%[21] - The company reported a decrease in the NPL ratio compared to the end of the previous year, indicating stable asset quality[22] - The total loan balance as of September 30, 2024, is RMB 8,442,157 million, with a non-performing loan (NPL) ratio of 1.32%[22] - The overdue loan balance is RMB 117,353 million, with an overdue loan ratio of 1.39% as of September 30, 2024[22] - The company’s focus on corporate loans accounts for 65.55% of the total loan portfolio, with a corporate NPL of RMB 82,726 million and an NPL ratio of 1.49%[22] - The company’s credit card loans total RMB 507,465 million, with a non-performing loan ratio of 2.39%[22] Income and Expenses - The company’s interest income for the nine months ended September 30, 2024, is RMB 340,379 million, while interest expenses are RMB 213,583 million, resulting in a net interest income of RMB 126,796 million[26] - The net interest income for the first nine months of 2024 was CNY 126.796 billion, an increase of CNY 2.671 billion, or 2.15% year-on-year[13] - The net fee and commission income for the first nine months of 2024 was CNY 29.353 billion, a year-on-year decrease of CNY 4.762 billion, or 13.96%[14] - The credit impairment losses for the nine months ended September 30, 2024, amount to RMB 44,841 million[26] Cash Flow and Investments - Cash flow from operating activities before changes in operating assets and liabilities was RMB 55,102 million, down from RMB 59,955 million in the previous year, a decrease of 8.93%[35] - The net cash flow from investing activities was RMB (1,154) million, a significant improvement compared to RMB (78,905) million in the same period of 2023[37] - Cash and cash equivalents at the end of the period stood at RMB 160,261 million, compared to RMB 191,589 million at the end of the previous year, indicating a decrease of 16.27%[37]

Core Viewpoint - The president of Bank of Communications, Zhang Baojiang, emphasized the importance of the bank's role in supporting the construction of Shanghai as an international financial center and promoting high-level financial openness in China [1] Group 1: Opportunities in Financial Openness - The digitalization and green transformation of global trade present opportunities for institutional financial openness and cooperation, with over 57% of global trade exports being digitally delivered and over 20% being green trade in 2022 [1] - China's cross-border e-commerce import and export scale reached nearly 2.4 trillion yuan in 2023, positioning the country at the forefront of global green trade [1] - The ongoing institutional openness in areas like cross-border data flow requires support from high-level financial openness, which also provides a significant direction for institutional cooperation [1] Group 2: Cross-Border Financial Demand - Chinese enterprises are accelerating their internationalization, leading to increased cross-border financial demand, with foreign direct investment from China growing by 13.2% year-on-year in the first half of the year [1][2] - The bank aims to provide comprehensive services for both inbound and outbound investments, which is a crucial aspect of high-level financial openness in the new era [1][2] Group 3: Renminbi Internationalization - The internationalization of the Renminbi has entered a new phase, with the currency becoming increasingly important in international payments and digital Renminbi making significant progress in application scenarios and cross-border pilots [2] - The bank has a history of collaboration with HSBC since 2004 and has been involved in key milestones in cross-border Renminbi settlement and financial market connectivity [2] Group 4: Services and Innovations - The bank is actively exploring cooperation in digital and green trade, targeting high-standard international trade rules and focusing on areas like cross-border data flow and paperless trade [2][3] - The bank has seen a 166% year-on-year increase in cross-border e-commerce business volume in the first half of the year [2] - The bank is enhancing cross-border investment and financing support through various collaborations, including attracting foreign capital for domestic technology enterprises [2][3] Group 5: Risk Management and Market Connectivity - The bank has been a pioneer in opening up bond markets and has maintained a leading position in settlement and clearing scales, promoting connectivity between Shanghai and Hong Kong markets [3] - The bank emphasizes the importance of cross-border risk management and has established a unified management system to mitigate risks [3] Group 6: Future Directions - The bank plans to deepen cooperation across multiple fields and fully integrate into the broader context of high-level financial openness, contributing to the modernization of China [3]

为进一步推进反洗钱知识普及，提升老年群体对反洗钱知识的认知和理解，近日，交通银行深圳华侨城 支行在深圳市南山区沙河街道明珠街社区长者服务中心举办了"远离洗钱犯罪，维护金融安全，守护美 好生活"为主题的宣传活动。 活动中，来自交通银行深圳分行的工作人员结合生活中常见的反洗钱、非法集资、电信网络诈骗案例， 通过小视频和通俗易懂的语言为老年朋友们进行了讲解，让他们掌握了如何防范洗钱犯罪等实用知识。 现场反响热烈，居民们纷纷分享自身经历，并就日常生活中遇到的可疑事件提出问题，银行工作人员一 一进行了解答。 活动还特别设置了艾草按摩捶DIY环节，工作人员为大家介绍了艾草按摩捶的养生功效和按摩方法，并 现场与老年朋友们一起制作养生捶、做养生操，在轻松愉快的氛围中享受到健康与快乐。大家纷纷表 示，此次活动不仅让他们学到了反洗钱金融知识，还让他们感受到了来自银行和社会的关爱与温暖。 未来，交通银行深圳分行将继续秉承"以客户为中心"的服务理念，积极履行社会责任，为社区居民提供 更加优质、便捷、有温度的适老化金融服务，助力提升银发族群幸福感。(CIS) ...

Group 1 - The 2024 "Data Element ×" competition in Guangdong successfully concluded, focusing on data application challenges in key industries, with 1,131 projects participating [1] - The project "Financial Service Model and Data Application for Modern Agricultural Industry in Shenzhen," co-developed by the Shenzhen branch of the Bank of Communications and several local institutions, won the Excellent Award in the modern agriculture track [1] - The Shenzhen branch of the Bank of Communications has leveraged its innovation in financial technology to explore feasible and replicable paths for financing agricultural enterprises through data elements, supporting 330,000 agricultural SMEs in Shenzhen [1] Group 2 - The bank has established a multi-layered, precise supply chain financial service system and a data-based credit risk control system, creating ten fixed loan models and proactive credit granting models to meet the financing needs of modern agricultural enterprises [1] - The bank aims to continue focusing on serving the real economy and increasing financial innovation to support more agricultural enterprises, contributing to agricultural modernization and rural revitalization [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通告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本通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） 董事會會議通告 茲通知交通銀行股份有限公司（「本行」）董事會（「董事會」）將於二零二四年十月 三十日（星期三）舉行董事會會議，藉以審議及批准（其中包括）本行及其附屬公司 截至二零二四年九月三十日止九個月之未經審核季度業績。 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 2024年10月17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、李龍成先生*、汪林平先生*、常保升先生*、廖宜建先生*、 陳紹宗先生 *、穆國新先生 *、陳俊奎先生 *、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 # 。 * 非執行董事 # 獨立非執行董事 ...

Investment Rating - The report upgrades the investment rating of the company to "Buy" [1][4][7] Core Views - The company reported a total operating income of 132.35 billion yuan, a year-on-year decrease of 3.51%, and a net profit attributable to shareholders of 45.29 billion yuan, a year-on-year decrease of 1.63% [4] - The annualized weighted ROE stands at 9.29%, down by 0.87 percentage points year-on-year [4] - Interest income showed stable growth, while non-interest income was a major drag on revenue [4] - The loan structure has been optimized, and the net interest margin has rebounded quarter-on-quarter [4] - The company’s non-performing loan ratio decreased to 1.32%, with a provision coverage ratio of 204.82% [4] Summary by Sections Financial Performance - The company achieved an operating income of 132.35 billion yuan, down 3.51% year-on-year, and a net profit of 45.29 billion yuan, down 1.63% year-on-year [4] - Interest income was 84.23 billion yuan, up 2.24% year-on-year, while non-interest income was 48.11 billion yuan, down 12.15% year-on-year [4] - The company’s net interest margin was 1.29%, down 2 basis points year-on-year, but up 2 basis points from the previous quarter [4] Loan Structure and Asset Quality - The loan balance at the end of the reporting period was 8.27 trillion yuan, an increase of 3.90% from the end of the previous year [4] - The composition of loans includes corporate loans at 65.94%, personal loans at 30.91%, and bills at 3.15% [4] - The non-performing loan ratio decreased to 1.32%, while the provision coverage ratio increased to 204.82% [4] Future Projections - Projected operating income for 2024-2026 is 255.07 billion yuan, 260.40 billion yuan, and 269.34 billion yuan respectively [5] - Projected net profit for the same period is 91.50 billion yuan, 93.81 billion yuan, and 97.29 billion yuan respectively [5] - The projected book value per share (BVPS) for 2024-2026 is 15.43 yuan, 16.66 yuan, and 17.94 yuan respectively, with corresponding price-to-book (PB) ratios of 0.44, 0.41, and 0.38 [5]

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2024年9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 交通銀行股份有限公司 呈交日期: 2024年10月8日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03328 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 增加 / 減少 (-) | | | | | | RMB | | | | 本月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 2. 股份分類 | 普通股 ...

2024中期報告 創造共同 價 值 交 通 銀 行 股 份 有 限 公 司 2 0 2 4 中 200120 www.bankcomm.com www.bankcomm.cn 交通銀行股份有限公司 二零二四年中期報告H股 期 報 告 交 通 銀 行 股 份 有 限 公 司 （於中華人民共和國註冊成立的股份有限公司） 地址及郵編 中國上海市浦東新區銀城中路188號 重要提示 本中期報告分別以中英文編制，在對中英文文本的理解上發生歧義時，以中文文本為準。 一、本行董事會、監事會及董事、監事、高級管理人員保證半年度報告內容的真實、準確、完整，不存在虛假 記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 二、本行第十屆董事會第十七次會議於2024年8月28日審議批准了2024年半年度報告和業績公告。出席會議應 到董事18名，親自出席董事18名。 三、本行董事長任德奇先生、主管會計工作負責人周萬阜先生及會計機構負責人陳隃先生聲明：保證半年度報 告中財務報告的真實、準確、完整。 四、本半年度報告未經審計。 五、經董事會審議的2024年半年度利潤分配預案：以報告期末本行已發行普通股總股份742.63億股為基數，向 ...

Financial Performance - The net profit attributable to the parent company's shareholders for the first half of 2024 was RMB 45.287 billion, a decrease of 1.63% year-on-year[15]. - The net operating income for the same period was RMB 132.550 billion, down 3.46% year-on-year, while net interest income increased by 2.24% to RMB 84.234 billion[15]. - The total operating income for the first half of 2024 was RMB 132.550 billion, reflecting a decline of 3.46% from RMB 137.307 billion in the previous year[17]. - The net profit attributable to shareholders was RMB 45.287 billion, down 1.63% from RMB 46.039 billion in the same period last year[17]. - The pre-tax profit for the Yangtze River Delta region was 20,911 million RMB, accounting for 43.86% of total pre-tax profit[60]. - The total net operating income for the first half of 2024 was 132,550 million RMB, a decrease from 137,307 million RMB in the same period of 2023[64]. - The bank reported a pre-tax profit of RMB 47,678 million, a decrease of 4.0% compared to RMB 49,674 million in the first half of 2023[198]. - The net profit for the period was RMB 45,825 million, down 1.6% from RMB 46,566 million in the same period last year[198]. Risk Management - The bank's management emphasizes the importance of risk management, facing credit risk, market risk, operational risk, and compliance risk, with ongoing measures to effectively control these risks[2]. - The bank has strengthened its risk management framework, focusing on credit, market, operational, liquidity, and technology risks, while enhancing its risk governance capabilities[108]. - The bank is advancing its digital transformation in risk management, aiming to improve risk data management and the intelligence of risk management systems[110]. - The bank's overdue loans accounted for a higher proportion compared to the beginning of the year, with overdue loans over 90 days constituting 69.04% of non-performing loans[111]. - The bank has implemented a comprehensive risk management and internal control committee to oversee risk conditions across the organization[109]. - The bank's market risk management focuses on interest rate and exchange rate risks, with ongoing improvements to the risk management system[123]. - The group is committed to enhancing compliance management systems and capabilities, particularly in anti-money laundering and data governance[127]. Digital Transformation and Innovation - The bank continues to focus on digital transformation and innovation to drive high-quality development[12]. - The bank's digital service brand "Cloud Bank" aims to meet customer digital service needs through remote video services and online service models[5]. - The bank is exploring potential mergers and acquisitions to enhance its market presence in Southeast Asia[194]. - The bank plans to expand its digital banking services, aiming for a 20% increase in online customer engagement by the end of 2024[194]. - The bank is investing in new technology to enhance its financial services, with a budget allocation of 200 million for R&D in 2024[194]. - The bank is enhancing its digital education and training capabilities through the development of an online "smart campus" platform[166]. Customer and Market Presence - The total customer loan balance reached RMB 8.267 trillion, an increase of RMB 310.649 billion or 3.90% compared to the end of the previous year[15]. - Customer deposits amounted to RMB 8.650 trillion, rising by RMB 98.901 billion or 1.16% from the end of the previous year[15]. - The number of retail customers reached 195 million, a year-on-year increase of 1.35%, with AUM growing by 5.29% to CNY 5.27 trillion[77]. - The cumulative number of corporate online banking clients increased by 5.30% year-on-year, while the cumulative transaction clients grew by 9.99%[101]. - The bank's overseas loan balance was 342,101 million RMB, accounting for 4.14% of total loans[61]. - The bank's comprehensive financial service system includes commercial banking, financial leasing, funds, wealth management, trust, insurance, and overseas securities, enhancing service capabilities[89]. Asset and Liability Management - The total assets of the group at the end of June 2024 were RMB 14.178 trillion, reflecting a growth of 0.84% from the end of 2023[13]. - The capital adequacy ratio stood at 16.34%, up 1.07 percentage points from the previous year[13]. - The total liabilities of the group reached RMB 13,058.62 billion as of June 30, 2024, an increase of RMB 97.60 billion or 0.75% compared to the end of 2023[54]. - The liquidity ratio as of June 30, 2024, was 65.30%, exceeding the regulatory standard of 25%[125]. - The average liquidity coverage ratio for Q2 2024 was 143.72%, with the net stable funding ratio at 111.50% at the end of Q2[125]. Governance and Compliance - The board of directors approved the interim report and performance announcement on August 28, 2024, with all 18 directors present at the meeting[2]. - The bank's governance structure includes a commitment to the accuracy and completeness of the financial report by the chairman and senior management[2]. - The bank's governance adhered to the corporate governance code, with most best practices being followed[163]. - The audit committee consists of 7 members, with independent director Ms. Li Xiaohui serving as the chairperson[186]. - The bank has appointed KPMG Huazhen LLP for auditing financial statements prepared under Chinese accounting standards and KPMG for international financial reporting standards[188]. Shareholder Information - The total number of ordinary shares of the company is 74,262,726,645, with A-shares accounting for 52.85% and H-shares for 47.15%[136]. - The total number of ordinary shareholders is 277,228, with 247,301 holding A-shares and 29,927 holding H-shares[138]. - The Ministry of Finance holds 17.75% of A-shares and 6.13% of H-shares, making it a significant shareholder[138]. - The company has a total of 39,250,864,015 A-shares and 35,011,862,630 H-shares, all of which are tradable without restrictions[137]. - The total net amount of related party transactions with HSBC and its affiliates is 16.256 billion yuan, while non-credit related transactions amount to 1.167 billion yuan[142]. Green Finance Initiatives - The bank emphasizes green finance as a core aspect of its business strategy, aligning with national goals for carbon neutrality[168]. - The bank's green finance development committee reviewed the 2023 green finance report and set targets for 2024[169]. - The bank issued the "Green Finance Action Plan (2024-2025)" outlining four action goals and 30 specific measures[170]. - Green loans reached CNY 10,870.998 billion, an increase of CNY 48.956 billion or 5.96% compared to the end of the previous year[172]. - The company increased investments in clean energy and environmental protection industries by CNY 1 billion during the reporting period[173].