FF301 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: 2023年10月8日 I. 法定/註冊股本變動 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: 2023年9月30日 狀態: 新提交 | 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 | 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 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 2. 股份分類 | 普通股 | ...

中期 股份代號:03328 創造共同價值 目錄 | 重要提示 | 1 | | --- | --- | | 釋義 | 2 | | 公司基本情況 | 3 | | 財務摘要 | 5 | | 管理層討論與分析 | | | 財務報表分析 | 6 | | 業務回顧 | 20 | | 風險管理 | 31 | | 展望 | 39 | | 資本市場關注的熱點問題 | 40 | | 公司治理 | | | 股份變動及股東情況 | 42 | | 公司治理 | 47 | | 環境和社會責任 | 51 | | 重要事項 | 55 | | 機構名錄 | 58 | | 財務報表及其他 | | | 中期財務資料的審閱報告 | 61 | | 未經審計的簡要合併財務報表 | 62 | | 未經審計的中期簡要合併財務報表附註 | 69 | | 未經審計的補充財務資料 | 151 | | 資本充足率、槓桿率、流動性覆蓋率和淨穩定資金比例信息補充資料 | 156 | 重要提示 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 ...

Financial Performance - The bank reported a total revenue of RMB 100 billion for the first half of 2023, representing a year-on-year increase of 12%[3]. - The net profit attributable to the parent company's shareholders for the first half of 2023 was RMB 46.039 billion, representing a year-on-year increase of 4.51%[11]. - The net operating income for the same period was RMB 137.307 billion, an increase of 4.74% compared to the previous year[11]. - The pre-tax profit for the first half of 2023 was RMB 49.674 billion, an increase of 8.83% year-on-year[12]. - The total net operating income for the first half of 2023 was RMB 137,307 million, an increase from RMB 131,094 million in the same period of 2022, representing a growth of approximately 4.9%[59]. - The pre-tax profit for the first half of 2023 was RMB 49,674 million, compared to RMB 45,642 million in the same period of 2022, indicating an increase of about 8.3%[59]. - The effective tax rate increased significantly to 6.26% from 3.27% in the previous year, reflecting a 108.45% increase in income tax expense[13]. - The bank aims to create shared value for customers, shareholders, employees, and society, emphasizing risk management and quality service[8]. Asset and Liability Management - Total assets reached RMB 13.813 trillion, reflecting a growth of 6.33% from the end of the previous year[11]. - The bank's capital adequacy ratio stands at 14.5%, maintaining a strong position to support future growth initiatives[3]. - The bank's liquidity coverage ratio is reported at 150%, ensuring sufficient liquidity to meet short-term obligations[3]. - As of June 2023, the total liabilities of the group amounted to RMB 12,758.46 billion, an increase of RMB 800.41 billion or 6.69% compared to the end of the previous year[49]. - Customer deposits reached RMB 8,579.60 billion, up RMB 630.53 billion or 7.93% year-on-year, accounting for 67.25% of total liabilities, an increase of 0.78 percentage points[50]. - The group's total assets reached RMB 13,813.36 billion, an increase of RMB 821.79 billion or 6.33% compared to the end of the previous year[36]. Loan and Deposit Growth - Customer loan balance stood at RMB 7.796 trillion, up RMB 500.74 billion, marking a 6.86% increase[11]. - The balance of personal public fund products sold was CNY 243.84 billion, while wealth management products reached CNY 808.28 billion[82]. - The total amount of customer deposits increased by RMB 630.53 billion, with corporate deposits increasing by RMB 291.54 billion and personal deposits increasing by RMB 321.26 billion[50]. - The balance of inclusive small and micro enterprise loans grew by 19% year-on-year, while personal consumption loans increased by 39%[70]. - The balance of green loans increased by 25% compared to the end of the previous year, achieving the highest level for the same period in recent years[70]. Digital Transformation and Innovation - The bank has set a target for a net profit growth of 10% for the full year 2023, with a focus on enhancing digital services and customer engagement[3]. - The bank's strategic focus includes enhancing digital transformation and expanding in key areas such as inclusive finance and green finance[8]. - The bank plans to expand its digital banking services, aiming for a 30% increase in online transactions by the end of 2024[197]. - The company is actively promoting the application of artificial intelligence across various business scenarios to enhance customer service[72]. - The bank's digital transformation initiatives included the launch of 23 convenient service scenarios across various channels, serving 260,000 customers[108]. Risk Management - The bank has implemented new risk management strategies to mitigate credit and market risks, aiming for a reduction in non-performing loans by 5% by the end of 2023[3]. - The non-performing loan ratio remained stable at 1.35% as of June 30, 2023[11]. - The company has strengthened its risk management framework, focusing on unified credit risk management and optimizing credit asset structure[116]. - The group continuously improved its market risk management system, optimizing risk management processes and enhancing product management[128]. - The company is actively supporting the "carbon peak and carbon neutrality" goals by integrating climate risk into its overall risk management framework[137]. Strategic Initiatives - The bank plans to expand its market presence in Southeast Asia, targeting a 20% increase in regional customer base by 2025[3]. - A strategic acquisition of a fintech company is expected to enhance the bank's technological capabilities and improve service delivery, with an estimated investment of RMB 1 billion[3]. - The company aims to strengthen its service to the real economy by increasing financial support in key areas and improving customer service offerings[138]. - The company has established a green finance development strategy, focusing on supporting the "carbon peak and carbon neutrality" goals[171]. - The company is focused on optimizing its asset allocation and enhancing loan pricing management to stabilize and improve net interest margins[139]. Shareholder and Governance - The total number of ordinary shares at the end of the reporting period was 74,262,726,645, with A-shares accounting for 52.85% and H-shares for 47.15%[143]. - The top shareholder, the Ministry of Finance of the People's Republic of China, held 13,178,424,446 A-shares, representing 17.75% of total shares[145]. - The company has approved a cash dividend distribution of CNY 27.7 billion for the fiscal year 2022, with a distribution of CNY 0.373 per share based on a total of 74.263 billion ordinary shares[159]. - The company has not conducted any profit distribution or capital reserve increase in the first half of 2023[159]. - The company is focused on expanding its market presence and enhancing its governance structure[162].

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: 2023年8月31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: 2023年9月4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 | 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 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 2. 股份分類 | 普通股 | 股 ...

股票代码：601328 股票简称：交通银行 编号：临2023-031 交通银行股份有限公司 第十届监事会第六次会议决议公告 交通银行股份有限公司（以下简称"交通银行"或"本公司"）监事会及全体监事保证 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、监事会会议召开情况 本公司第十届监事会第六次会议于2023年8月25日上午在上海召开，2名监事 分别在北京、新加坡视频参加。本公司于2023年8月11日向全体监事发出本次会 议通知。会议由徐吉明监事长主持，会议应到9人，实到9人。部分高管和部门负 责人列席会议。本次会议的召开符合《中华人民共和国公司法》和《交通银行股 份有限公司章程》的有关规定。 二、监事会会议审议情况 （一）关于2023 年半年度报告及业绩公告的决议 会议审议通过了关于2023年半年度报告及业绩公告的议案，同意按照有关监 管规定予以公开披露。 1 会议审议通过了关于2023年上半年战略实施情况评估报告的议案。 表决情况：同意9票，反对0票，弃权0票 （三）关于2022年度监事薪酬方案的决议 会议审议通过了关于2022年度监事薪酬方案的 ...

股票代码：601328 股票简称：交通银行 编号：临 2023-030 交通银行股份有限公司 第十届董事会第九次会议决议公告 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。 一、董事会会议召开情况 本公司第十届董事会第九次会议于 2023 年 8 月 25 日以现场和视频相结合的 方式，在上海、香港和北京召开。本公司于 2023 年 8 月 11 日以书面方式向全体 董事和监事发出本次会议通知和文件。任德奇董事长主持会议。出席会议应到董 事 16 名，亲自出席董事 16 名。部分监事及高管列席会议。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 2023 年半年度报告及业绩公告的决议 会议审议批准了《2023 年半年度报告及业绩公告》，同意按照有关监管规 定予以公开披露。 表决情况：同意 16 票，反对 0 票，弃权 0 票 详情请见本公司同日在上海证券交易所网站（www.sse.com.cn） ...

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。 Bank of Communications Co., Ltd. 03328 2023年中期業績公告 交通銀行股份有限公司（「本行」）董事會欣然宣佈本行及其附屬公司（「本集團」）截至2023 年6月30日止六個月（「報告期」），根據國際會計準則委員會頒佈的國際會計準則第34號 《中期財務報告》編製的未經審計的合併財務信息（「中期業績」）。本行董事會（「董事會」） 及其轄下的審計委員會已審閱並確認此中期業績。 一、公司基本情況 | | 股份簡稱 | 股份代號 | 上市交易所 | | --- | --- | --- | --- | | A股 | 交通銀行 | 601328 | 上海證券交易所 | | H股 | 交通銀行 | 03328 | 香港聯合交易所有限公司 | | 境內優先股 | 交行優1 | 360021 | 上海證券交易所 | 董事會秘書、公司秘書 | 姓名 | 何兆斌 | | --- | --- ...

Financial Performance - Net interest income for the first half of 2023 was RMB 82,387 million, a decrease of 3.15% compared to RMB 85,065 million in the same period of 2022[4]. - Net operating income increased by 4.74% to RMB 137,307 million from RMB 131,094 million year-on-year[4]. - Net profit attributable to shareholders of the parent company rose by 4.51% to RMB 46,039 million, compared to RMB 44,052 million in the first half of 2022[4]. - The pre-tax profit for the reporting period was RMB 49.674 billion, an increase of 8.83% year-on-year[19]. - The total comprehensive income for the period was RMB 52,961 million, compared to RMB 41,885 million in the same period last year, representing a significant increase of 26.5%[179]. - The net profit for the period was RMB 46,566 million, compared to RMB 44,151 million in the previous year, reflecting an increase of 5.5%[178]. Assets and Liabilities - Total assets as of June 30, 2023, reached RMB 13,813,360 million, reflecting a growth of 6.33% from RMB 12,991,571 million at the end of 2022[4]. - The total liabilities of the group reached RMB 127,584.61 billion, an increase of RMB 8,004.12 billion, or 6.69%, from the end of the previous year[59]. - The total assets of the company reached 19.192 billion yuan, with net assets of 15.858 billion yuan, and managed assets of 532.58 billion yuan[112]. Customer Loans and Deposits - Customer loans increased by 6.86% to RMB 7,795,705 million from RMB 7,294,965 million year-on-year[4]. - Customer deposits grew by 7.93% to RMB 8,579,598 million compared to RMB 7,949,072 million at the end of 2022[4]. - The total loan balance as of June 30, 2023, was RMB 7,795.705 billion, an increase from RMB 7,294.965 billion as of December 31, 2022[68]. - Personal deposits amounted to CNY 3,276.99 billion, growing by 10.87% year-on-year, while personal loans reached CNY 2,416.04 billion, increasing by 2.14%[94]. Risk Management - The non-performing loan ratio remained stable at 1.35% as of June 30, 2023[5]. - The provision coverage ratio improved to 192.85%, up from 180.68% at the end of 2022, indicating stronger risk management[5]. - The company has maintained a prudent classification standard for overdue loans, with 70% of non-performing loans being overdue for more than 60 days[136]. Income and Expenses - The net commission and fee income for the group was CNY 24.580 billion, a decrease of CNY 1.94 million or 0.78% year-on-year, influenced by market volatility and reduced consumer demand[38]. - Interest expenses for the group totaled CNY 146.019 billion, an increase of CNY 28.544 billion or 24.30% year-on-year, with customer deposits accounting for 65.59% of total interest expenses[33]. - The company incurred interest expenses of RMB 8,036 million on bond issuance in the first half of 2023, compared to RMB 7,627 million in the same period of 2022, indicating rising financing costs[183]. Shareholder Information - HSBC Holdings plc holds 14,135,636,613 H shares, representing 19.03% of the total issued shares[11]. - The Ministry of Finance of the People's Republic of China owns 13,178,424,446 A shares, accounting for 17.75% of the total issued A shares[10]. - The company approved a cash dividend of CNY 0.373 per share, totaling CNY 27.7 billion for the 2022 fiscal year[164]. Regulatory Compliance - There were no significant lawsuits or arbitration matters affecting the group's operations during the reporting period, with ongoing cases involving approximately CNY 1.565 billion[165]. - The group has not faced any investigations or penalties from regulatory authorities during the reporting period[165]. - The company’s total assets and liabilities are subject to regular audits by KPMG, ensuring compliance with accounting standards[175]. Digital Transformation and Innovation - The group’s digital transformation investments have increased, with financial technology talent accounting for 6.51% of the total workforce[86]. - The cumulative number of open banking interfaces reached 3,868, with over 2.5 billion calls made, and 547,200 new retail customers acquired through open banking, a 79.52% increase year-on-year[127]. - The company is advancing the digital transformation of risk management, aiming to build a comprehensive digital risk management system[135]. Economic Support and Development - The group aims to enhance financial support for key sectors and weak links in the economy, focusing on consumption, social welfare, and technological independence[160]. - The group plans to deepen its business characteristics by promoting inclusive finance and supporting strategic emerging industries and advanced manufacturing[160]. - The company actively supports the development of the pension financial service system in response to the national strategy for an aging population[103].

交通银行股份有限公司 关于召开 2023 年半年度业绩发布会的公告 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。 重要内容提示 投资者如需提问，可于 2023 年 8 月 22 日（星期二）17:00 前将相关问 题发送至本公司投资者关系邮箱 investor@bankcomm.com，或于业绩发布会当日 登录上述直播地址问答区留言。 本公司拟于 2023 年 8 月 25 日（星期五）在上海证券交易所网站 （www.sse.com.cn）披露 2023 年半年度报告，并于同日 17:00-18:30 召开业绩 发布会，就 2023 年半年度业绩予以说明，与分析师、媒体记者、投资者进行交 流。 一、业绩发布会类型 股票代码：601328 股票简称：交通银行 编号：临 2023-029 会议召开时间：2023 年 8 月 25 日（星期五）17:00-18:30 会议召开方式：网络直播 网络直播地址：https://rs.p5w.net/html/139392.shtml （ ...

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。 Bank of Communications Co., Ltd. 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」）將於二零二三年八月二十五日 （星期五）舉行董事會會議，藉以（其中包括）(i)審議及批准本行及其附屬公司截至二零二 三年六月三十日止六個月之中期業績；及(ii)考慮派付中期股息（如有）。 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 2023年8月14日 於本通告發佈之日，本行董事為任德奇先生、劉珺先生、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*、 胡展雲先生 # 、蔡浩儀先生 # 、石磊先生 # 、張向東先生 # 、李曉慧女士 # 及馬駿先生 # 。 * 非執行董事 # 獨立非執行董事 ...