Group 1 - Several banks, including China Construction Bank, Bank of Communications, Lanzhou Bank, Zhejiang Commercial Bank, and Qingdao Rural Commercial Bank, announced the appointment of their Chief Compliance Officers [1][2][3] - China Construction Bank appointed Zhang Yi, the current President, as the Chief Compliance Officer, effective immediately [1] - Bank of Communications appointed Liu Jianjun, the Chief Risk Officer, to also serve as Chief Compliance Officer, pending approval from the National Financial Regulatory Administration [1] - Lanzhou Bank appointed Liu Min, the current President, as Chief Compliance Officer, effective immediately [2] - Zhejiang Commercial Bank appointed Lü Linhua as Chief Compliance Officer, pending regulatory approval [2] - Qingdao Rural Commercial Bank appointed Yu Fengxing, the current President, as Chief Compliance Officer, effective immediately [2] Group 2 - The recent appointments are in response to regulatory requirements set by the National Financial Regulatory Administration, specifically the Compliance Management Measures for Financial Institutions [3] - The Compliance Management Measures, effective from March 1, 2025, mandate that financial institutions establish a Chief Compliance Officer at their headquarters, who may be the President or another senior executive [3] - The transition period for implementing these measures is nearing its end, prompting banks to expedite the enhancement of their compliance management structures [3]

Group 1 - The board of directors of the Bank of Communications held its fifth meeting of the eleventh session on February 27, 2026, in a hybrid format in Shanghai, Hong Kong, and Beijing, with all 15 directors present [2] - The meeting approved the 2026 annual business plan [3] - The meeting also approved the appointment of Mr. Liu Jianjun as Chief Compliance Officer, pending approval of his qualifications by the National Financial Regulatory Administration [4][6] - The board approved the deepening of reforms in the retail sector [7] - The meeting approved the revision of the Business Continuity Management Measures [8] Group 2 - Mr. Liu Jianjun, born in 1967, has held various positions within the bank, including Chief Risk Officer since June 2023, and has a Master's degree in Business Administration from Beijing Institute of Technology [9]

股票代码：601328 股票简称：交通银行 编号：临2026-002 交通银行股份有限公司 第十一届董事会第五次会议决议公告 交通银行股份有限公司（以下简称"交通银行"或"本行"）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。 一、董事会会议召开情况 本行第十一届董事会第五次会议于2026年2月27日以现场和视频相结合的方式，在上海、香港和北京召 开。本行于2026年2月2日以书面方式向全体董事发出本次会议通知。会议由任德奇董事长主持,应出席 董事15名，亲自出席董事15名。部分高管列席会议。本次会议的召开符合《中华人民共和国公司法》等 法律法规和《交通银行股份有限公司章程》的规定。 二、董事会会议审议情况 （一）关于2026年度经营计划的决议 会议审议批准了《关于2026年度经营计划的议案》。 表决情况：同意15票，反对0票，弃权0票 （二）关于聘任刘建军先生为首席合规官的决议 会议审议批准了《关于聘任刘建军先生为首席合规官的议案》。同意聘任首席风险官刘建军先生兼任首 席合规官，刘建军先生的首席合规官职务须待国家金融监督管理总局核 ...

Core Viewpoint - The announcement by Bank of Communications regarding the approval of the proposal to deepen the reform of its retail sector signifies a substantial shift in its organizational structure and strategic upgrade in retail banking, reflecting a necessary evolution in response to ongoing economic challenges and the need for banks to enhance their retail operations [1]. Group 1: Strategic Developments - The bank's retail strategy has accelerated, with the establishment of a digital operation center being a major reform aimed at positioning "digitalization" as the core of retail business operations, indicating a shift towards technology-driven retail banking [2]. - The restructuring includes the integration of the newly established digital operation center into the personal finance department, creating a new entity that combines personal finance, consumer rights protection, and digital operations, along with new leadership appointments [2]. Group 2: Internal Reforms and Implications - The transformation of retail banking typically involves both structural and personnel changes, with the bank promoting experienced personnel with digital insights to enhance execution within the new retail framework [3]. - The approval of the reform proposal is seen as a formal acknowledgment and elevation of previous initiatives, including the establishment of the digital operation center and the integration of personal finance sectors, indicating a strong internal consensus on the urgency of retail transformation [3]. Group 3: Expected Outcomes - The reform is expected to enhance internal collaboration and efficiency, breaking down departmental barriers and data silos, which should improve overall branch effectiveness and productivity [4]. - The restructuring aims to redefine customer engagement strategies, leveraging precise user profiling and data analysis to deepen wealth management services for existing clients, thereby expanding the retail assets under management (AUM) [4]. - The reform could provide a buffer against narrowing interest margins, potentially increasing the contribution of retail income and profits, thereby enhancing the bank's resilience in terms of asset quality and profitability [4]. Group 4: Future Challenges - The alignment of mechanisms is just the initial step; the bank's retail transformation is a long-term endeavor that will require time to translate into stable financial growth amidst a complex financial environment and intense competition [5]. - The true test for the bank will be the effective implementation of its strategies and the sustained operational excellence required to achieve differentiated service advantages in the digital landscape [5].

北京商报讯（记者 宋亦桐）2月27日，交通银行发布公告指出，该行第十一届董事会第五次会议审议批 准了《关于聘任刘建军先生为首席合规官的议案》。同意聘任首席风险官刘建军兼任首席合规官，刘建 军的首席合规官职务须待国家金融监督管理总局核准其任职资格后生效。 公开资料显示，刘建军，男，1967年生，中国国籍，中级经济师。刘建军2023年6月起任交通银行首席 风险官。曾任交通银行首席专家，风险管理部总经理，内控案防办主任，北京市分行行长，北京管理部 （集团客户部）总裁、常务副总裁，吉林省分行行长、副行长、高级信贷执行官，长春分行副行长、高 级信贷执行官，北京市分行副行长、高级信贷执行官等职务。刘建军2003年于北京理工大学获工商管理 硕士学位。 ...

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 公司第十一屆董事會第五次會議決議公告》，謹供參閱。 承董事會命 交通銀行股份有限公司 何兆斌 第十一届董事会第五次会议决议公告 交通银行股份有限公司（以下简称"交通银行"或"本行"）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。 一、董事会会议召开情况 公司秘書 中國上海 2026年2月27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*、 張向東先生 # 、李曉慧女士 # 、馬駿先生 # 、王天澤先生 ...

2月27日，交通银行公告称，董事会同意聘任首席风险官刘建军兼任首席合规官，刘建军的首席合规官 职务须待国家金融监督管理总局核准其任职资格后生效。 ...

交通银行股份有限公司 第十一届董事会第五次会议决议公告 交通银行股份有限公司（以下简称"交通银行"或"本行"）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。 一、董事会会议召开情况 股票代码：601328 股票简称：交通银行 编号：临2026-002 本行第十一届董事会第五次会议于 2026 年 2 月 27 日以现场和视频相结合的 方式，在上海、香港和北京召开。本行于 2026 年 2 月 2 日以书面方式向全体董 事发出本次会议通知。会议由任德奇董事长主持,应出席董事 15 名，亲自出席董 事 15 名。部分高管列席会议。本次会议的召开符合《中华人民共和国公司法》 等法律法规和《交通银行股份有限公司章程》的规定。 二、董事会会议审议情况 （一）关于 2026 年度经营计划的决议 会议审议批准了《关于 2026 年度经营计划的议案》。 表决情况：同意 15 票，反对 0 票，弃权 0 票 （二）关于聘任刘建军先生为首席合规官的决议 会议审议批准了《关于聘任刘建军先生为首席合规官的议案》。同意聘任首 席风险官刘建军先生兼任首席合规 ...

Core Viewpoint - The Chinese cultural industry has surpassed a trillion yuan in scale, but financing challenges persist for collectors, artists, and cultural enterprises. The recent approval of the "Bank Support for Cultural Industry Development Report" marks a significant step towards integrating art and finance, enabling collectors to leverage their assets, artists to focus on creation, and cultural enterprises to accelerate expansion, thus making art collateral loans mainstream and enhancing the value of collections [1][2]. Group 1: Market Demand and Growth - The total estimated value of private collections in China exceeds 12 trillion yuan, yet the legal circulation rate remains below 1%, highlighting a significant market demand for art collateral loans [2]. - By 2025, the scale of art collateral loans in China is projected to exceed 1.2 trillion yuan, indicating rapid growth and a vast potential market in art finance [1]. Group 2: Banking Sector Involvement - Major state-owned banks dominate the art collateral loan market, with specific strategies: China Construction Bank focuses on traditional cultural items with a maximum collateral ratio of 70% and a loan cap of 5 million yuan; Industrial and Commercial Bank of China covers various art forms with a 60% collateral ratio; Bank of China targets antiques and ceramics with a similar collateral ratio but a lower loan cap of 3 million yuan [2]. - Joint-stock banks adopt a more cautious approach, with banks like Bank of Communications and China Merchants Bank only accepting renowned artworks, maintaining a uniform collateral ratio of 50% and a loan cap of 2 million yuan [2]. Group 3: Innovative Financing Models - Weifang Bank has pioneered a pre-purchase model for art, successfully lending 1.1 billion yuan with zero bad debts, demonstrating the feasibility of innovative financing methods [2][4]. - A new "four-step" service model for copyright pledge loans has been established in Feicheng, focusing on copyright assessment, pledge registration, financing credit, and loan issuance, creating a closed-loop system for financing [6]. Group 4: Technology Integration - Technologies such as blockchain and AI are being utilized to address trust issues in art financing, providing a permanent, traceable digital record for artworks, which helps solve problems related to authenticity, valuation, and ownership [8]. - The global art collateral loan market is maturing, with Deloitte reporting that global loan balances are expected to exceed $36 billion by 2024, indicating strong growth potential [8]. Group 5: Changing Perceptions of Art - 73% of clients use art financing to release liquidity for other business activities rather than solely purchasing more art, indicating a shift in perception of art from mere aesthetic objects to active capital [9]. - Art is increasingly recognized as a liquid asset that can address funding gaps for startups, provide operational cash flow for businesses, and serve as a tool for family wealth transfer [9].

Core Viewpoint - Banks are focusing on enhancing wealth management and comprehensive financial services capabilities to optimize revenue structure and address net interest margin pressure by 2026 [1][2] Group 1: Wealth Management Focus - Multiple banks have emphasized the importance of increasing middle-income contributions from wealth management as a key driver for growth [1] - Banks like Industrial Bank and China Everbright Bank are prioritizing wealth management, investment banking, and asset custody to boost middle-income sources [1] - The shift towards wealth management is seen as essential for banks to adapt to the changing economic landscape and customer needs [1][3] Group 2: Adjustments in Retail Assessment - Banks are adjusting retail assessment indicators, reducing the weight of deposit metrics while increasing sales tasks for wealth management products [2] - Organizational restructuring, such as the establishment of dedicated wealth management departments, is being implemented to enhance service capabilities [2] Group 3: Pressure on Net Interest Margin - The continuous pressure on net interest margins is driving banks to transition from interest-dependent profit models to more diversified income structures [2][3] - The latest data shows that the net interest margin for commercial banks was 1.42% in Q4 2025, indicating a stable yet historically low level [2] Group 4: Digital Transformation - "Digital intelligence" is a recurring theme in banks' 2026 strategies, aimed at enhancing wealth management through AI and data analytics [3][4] - Banks are leveraging AI to improve business processes and customer experiences, particularly to attract younger demographics [4]