Core Insights - The event "Wode Wealth Nationwide Roadshow" was successfully held in Zhengzhou, gathering over 300 guests to discuss macro trends and investment opportunities [1] - The "Wode Wealth" brand, launched by the Bank of Communications in May 2006, has evolved from exclusive services to comprehensive wealth management solutions, including asset allocation, family trusts, cross-border finance, and tax planning [1][4] - The bank aims to deepen its wealth management business and enhance customer trust, especially in the current complex global economic environment [4] Brand Development - The "Wode Wealth" brand has served over 200 million individual customers and manages financial assets totaling nearly 60 trillion yuan [4] - The brand's development philosophy focuses on being customer-centric and adapting to market changes, collaborating with nearly 200 professional asset management institutions [4] Event Purpose - The "Wode Wealth Nationwide Roadshow" aims to increase residents' property income and stimulate consumption, marking an important step in the bank's wealth management business reform [5] - The event serves as a platform for professional financial services to assist in the growth of residents' property income and fulfill social responsibilities in financial education [5] Market Insights - The event featured two market experts who provided insights into the macroeconomic outlook for 2026, focusing on investment opportunities in gold, stock markets, and foreign exchange [8] - The analysis included a systematic review of the economic landscape and policy environment, offering key perspectives for investors [10] - The discussion also covered the impact of geopolitical factors and monetary policies on asset pricing, particularly for safe-haven assets like gold [12] Commitment to Clients - The wealth management team at the Bank of Communications comprises experts from various financial sectors, utilizing rigorous quantitative models to select quality assets for clients [13] - The bank emphasizes investor education and aims to create a rich non-financial ecosystem, including health services and cultural projects, to enhance the overall wealth management experience [13] - The "Wode Wealth Nationwide Roadshow" will continue with over 50 events across the country in the coming months, reinforcing the bank's commitment to wealth management and economic development [13][14]

"财富管理业务是增加居民财产性收入、提振消费、促进共同富裕的重要渠道。"交通银行河南省分行副 行长肖辉在致辞时称，交通银行始终秉持"以客户为中心"的服务理念，与广大客户携手同行，不仅是在 管理资产，更是在守护千万家庭的信任与托付。 肖辉表示，多年来，交通银行坚持践行金融工作的政治性和人民性，通过专业严选和贴心陪伴，打 造"金融+非金融"全场景服务生态。交通银行河南省分行精心筹备本次活动，旨在搭建一个智慧共享的 平台，以专业视野陪伴客户的财富旅程。 交通银行是财富管理行业的先行者，"沃德财富"品牌凝聚着百年交行的底蕴与智慧。据交通银行河南省 分行个金部产品与市场推广经理赵雅琦介绍，交通银行随时关注产品的运营以及机构的投资水平，同时 注重客户陪伴，在选择合作机构的时候，除了看投研能力、产品管理能力，也看重合作机构能否与交通 银行一起穿越周期，坚定地为客户做好服务，实现金融为民的初心。 "交通银行与合作机构携手，为超过2亿个人客户，管理着近6万亿元的金融资产，我们深知肩上承负的 信任与责任。"赵雅琦表示。 指引资产配置航向 ◎记者 马慜 近日，交通银行河南省分行携手德邦基金成功举办"沃野万理·共见未来——沃德财富万 ...

Fund Overview - The fund is named Donghai Zengyu Bond Type Initiated Securities Investment Fund, with a minimum total subscription of 10 million units and a minimum fundraising amount of 10 million RMB [13][2]. - The fund is a contract-based open-end bond fund, with an indefinite duration [13][14]. Fund Management and Custody - The fund is managed by Donghai Fund Management Co., Ltd., and the custodian is Bank of Communications Co., Ltd. [1][46]. Fund Subscription Details - The fund will be publicly offered from January 6, 2026, to April 3, 2026, with a maximum fundraising period of three months [19][19]. - The minimum subscription amount for both initial and additional subscriptions is 1 RMB, including subscription fees [22][29]. Subscription Process - Investors must open a fund account with the management company to purchase the fund, and only one account per investor is allowed [6][30]. - Subscription applications must be fully paid, and any incomplete payments will be deemed invalid [20][22]. Fees and Interest Handling - The A-class fund shares will incur a subscription fee that decreases with the amount subscribed, while C-class shares do not have a subscription fee [22][24]. - Interest accrued on valid subscription funds during the fundraising period will be converted into corresponding fund shares for the investors [25][43]. Risk Management - The fund may face various risks, including market risk, credit risk, and liquidity risk, particularly due to its investment in securities and futures markets [5][7]. - The fund has specific provisions for managing large redemption requests through a side pocket mechanism [11][10]. Investor Eligibility - The fund is open to individual investors, institutional investors, qualified foreign institutional investors, and other investors permitted by laws and regulations [17][18]. Sales Channels - The fund will be sold through direct sales and other sales institutions, with specific details available in the fund's sales announcement [15][18].

Core Viewpoint - The Bank of Communications Nanyang Branch is focusing on serving the real economy and actively promoting the development of cross-border RMB business, fulfilling its responsibilities as a state-owned bank [1] Group 1: Business Development - The Nanyang Branch is expanding its cross-border RMB business through targeted strategies, including precise promotion and proactive engagement with key foreign-related enterprises [1] - As of the end of November, the cross-border RMB payment and receipt volume of the Nanyang Branch increased by 200 million yuan compared to the same period last year, significantly enhancing its market share [1] Group 2: Tailored Services - The Nanyang Branch provides refined services to meet the actual needs of enterprises "going out," such as addressing multi-currency financing demands and exchange rate fluctuation risks [1] - A local enterprise successfully financed 200 million yuan from overseas banks through the Nanyang Branch, which helped reduce financial costs and exchange rate risks, benefiting both the enterprise and the bank [1] Group 3: Future Outlook - The Nanyang Branch plans to continue promoting the deepening development of cross-border RMB business in the Nanyang region with an open attitude, innovative products, and efficient services [1]

据交通银行官方微信公众号消息，近日，交通银行"沃野万理·共见未来——沃德财富万里行"全国巡回 路演在上海、广州、北京三地联合启动。在启动仪式上，周万阜表示，交行近期在总行层面成立财富管 理部，进一步强化财富金融特色，提升客户服务能力。此次"沃德财富万里行"作为组织架构优化后的首 个市场推广项目，将率先在重点区域开展，并逐步向全国推广，持续推动财富管理服务提质升级。 财富管理业务与老百姓的"钱袋子"息息相关。近日召开的中央经济工作会议将"坚持内需主导，建设强 大国内市场"列为明年经济工作重点任务，提出"深入实施提振消费专项行动，制定实施城乡居民增收计 划"。 "财富管理是增加居民财产性收入的重要途径之一，也是提振消费的重要抓手。"周万阜表示，交通银行 做优做强财富管理业务，助力居民增加财产性收入，是落实党中央决策部署的重要举措，也是金融机构 特别是资管机构和财富管理机构的共同使命。 交通银行财富管理业务目前成色如何？半年报显示，截至2025年6月末，交通银行代销个人公募基金产 品余额2131.61亿元，代销个人理财产品余额10044.77亿元，代销个人保险产品余额3535.3亿元。 作为财富管理版图的核心，理财 ...

Core Viewpoint - The Hunan branch of Bank of Communications has been penalized for inadequate loan management and improper financial dealings with clients, resulting in a fine of 1.9 million yuan and the confiscation of illegal gains amounting to 1,757.58 yuan [1] Summary by Categories Regulatory Actions - The Hunan Financial Regulatory Bureau imposed a fine of 1.9 million yuan on the Hunan branch of Bank of Communications for failing to manage loans properly and for employees engaging in abnormal financial transactions with clients [1] - The regulatory body also confiscated illegal gains of 1,757.58 yuan from the bank [1] Responsible Individuals - Warnings were issued to several individuals responsible for the violations, including Gong Qing, Guo Xin, Li Jie, Zhao Yujun, Liao Taotao, and Yang Xiaoxiang [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。 公司秘書 （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四次會議決議公告》，謹供參閱。 承董事會命 交通銀行股份有限公司 何兆斌 中國上海 2025年12月28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*、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 股票代码：601328 股票简称：交通银行 编号：临 2025-080 交通银行股份有限公司 第十一届董事会第四次会议决议公告 交通银行股份有限公司（以下简称 ...

Core Viewpoint - The integration of AI technology in the financial industry is unprecedented, fundamentally reshaping the operational logic and development paradigm of finance [1] Group 1: AI Integration in Finance - The trend of "AI + Finance" is irreversible, and banks must adapt to the future of the intelligent economy by creatively applying new technologies and innovating products and services [1] - Banks should focus on three directions: building a strong technological foundation, leading applications, and innovating operational models to inject intelligent momentum into high-quality development [1] Group 2: Strategic Directions for AI Application - Strengthening infrastructure is crucial for promoting AI applications, requiring coordinated resource investment to solidify the foundation for cloud, data, intelligence, and blockchain [2] - AI technology should be applied at scale, targeting business pain points and focusing on high-value scenarios to create benchmark AI applications that serve the real economy [2] - A shift in mindset is necessary to innovate operational models, emphasizing customer-centric approaches and utilizing dynamic data to provide personalized services [2] Group 3: AI Governance and Talent Development - Strengthening AI governance is essential for ensuring safe, stable, and sustainable development in the financial sector [3] - It is important to combine technological transformation with institutional optimization, establishing suitable systems and mechanisms [3] - Developing a talent pool that combines business insight, technical understanding, and data thinking is critical for bridging the gap between business and technology [3] - The fundamental principle is that humans must remain the key decision-makers in AI applications, ensuring that technology enhances efficiency while maintaining the warmth and responsibility of financial services [3]

钱斌表示，信息系统是制度流程、规章细则的数字化反映，信息系统的底层逻辑是业务规则，如果没有 配套的流程机制的改革，再多的数据、再强的AI都无法发挥作用。因此，为了更好的适应线上化、移 动化、数字化的发展趋势，要系统推动现有的规章制度的动态迭代、考核机制的靶向优化、运营模式的 柔性升级，同步加快建立健全与数字化发展深度匹配的政策框架，为AI技术嵌入金融场景扫清机制障 碍，为创新实践塑造有利条件。此外，要持续升级组织能力，逐步探索工作方式向人机协同转型，按 照"一岗位一助手""一人一分身""一客一管家"的理念，强化业绩融合，推动从跨职能的专班，敏捷协同 到人+智能体的组织进化，持续锻造智能人工和超级数字员工，驱动数字技术研发模式的创新和效能的 提升，加速AI在各场景实现协同创新的突破。 12月28日，交通银行副行长、首席信息官钱斌在中国财富管理50人论坛2025年会上表示，人工智能是一 项系统性工程，需要以战略眼光强化AI治理，在体制机制层面主动变革，要关注人才队伍的培养，促 进长期可持续发展。 钱斌指出，要守牢底线，防范AI等新技术的风险。"人工智能时代的风险特征已经发生了根本性变化， 从手工时代的逐笔差错、机 ...

专题：中国财富管理50人论坛2025年会 12月28日金融一线消息，中国财富管理50人论坛2025年会在京召开，本届年会的主题是"迈向'十五 五'建设金融强国"。交通银行副行长、首席信息官钱斌出席并发表演讲。 钱斌指出，当前人工智能正迈入全球格局重塑的重要阶段，已成为创新发展的关键变量。金融业对AI 的探索由来已久，而今年以来，AI技术在金融业渗透的速度和深度前所未有，不仅全方位提升服务效 能，更将从根本上重塑金融运行的逻辑与发展范式。 面对智能经济趋势，钱斌强调，必须用科技力量打破思维上限，突破想象边界，围绕业务底层逻辑推动 新技术的创造性应用、产品服务模式创新及制度流程变革。 对于下一步发展，钱斌提出应从"技术筑基、应用领航、模式创新"三个方向发力，为高质量发展注入智 慧动能。 首先，建强智能基座，激活动力引擎。 他认为AI创新是算力、数据、模型融合的产物，需统筹加大资 源投入，夯实云、数、智、链协同发展的基础底座。在算力方面，需完善高性能算力基础设施，探索安 全可控的算力资源共享共建机制。在数据方面，他强调"没有高质量的数据就没有高质量的人工智能"， 应紧扣要素市场化改革主线，推动跨主体、跨领域数据有序 ...