Core Viewpoint - The banking industry in China has shown resilience and stability in the first half of the year, with key indicators such as non-performing loan ratio, provision coverage ratio, and capital adequacy ratio remaining stable and improving, indicating a strong capacity to resist risks and support the real economy [2][6]. Group 1: Banking Industry Performance - As of mid-year, total assets of banking financial institutions reached 467.3 trillion yuan, a year-on-year increase of 7.9%, with large commercial banks' total assets at 204.2 trillion yuan, growing by 10.4% [1]. - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49%, down by 0.02 percentage points [7]. Group 2: Support for the Real Economy - The balance of inclusive micro-enterprise loans reached 36 trillion yuan, growing by 12.3% year-on-year, while inclusive agricultural loans amounted to 13.9 trillion yuan, increasing by 1.1 trillion yuan since the beginning of the year [3]. - Large commercial banks played a significant role in supporting the real economy, with their inclusive micro-enterprise loan balance exceeding 16 trillion yuan, accounting for a higher proportion of the total industry loans [4]. Group 3: Operational Efficiency and Cost Management - The banking sector has improved operational efficiency, with the cost-to-income ratio at 30.2%, a decrease of 5.3 percentage points from the previous year, and non-interest income ratio rising to 25.75%, an increase of 3.33 percentage points [5]. - The net interest margin remained stable at 1.42%, with a slight decrease of 0.01 percentage points from the first quarter [5]. Group 4: Risk Management and Capital Adequacy - The banking sector has increased provisions and improved asset disposal efforts, with new provisions totaling 1.1 trillion yuan, an increase of 579 billion yuan year-on-year, and non-performing asset disposals reaching 1.5 trillion yuan, up by 1.236 trillion yuan [7]. - Capital adequacy ratios showed improvement, with the overall capital adequacy ratio at 15.58%, up by 0.30 percentage points from the previous quarter [7].

Core Points - The announcement details the resignation of non-executive directors Li Longcheng and Wang Linping from the board of Bank of Communications due to age-related reasons, effective August 15, 2025 [1][2] - Both directors confirmed that there are no disagreements with the board and no matters related to their resignation need to be disclosed to shareholders and creditors [2] - The resignations are not expected to impact the operations of the board or the management of the company, as proper handover procedures have been followed [3] Summary by Sections Resignation Details - Li Longcheng and Wang Linping have submitted their resignation letters, with Li resigning from the roles of non-executive director, audit committee member, and human resources and compensation committee member, while Wang resigns from the roles of non-executive director, strategic committee member, and risk management and related party transaction control committee member [1] Confirmation of No Disagreements - Both directors have confirmed that there are no differing opinions with the board and no relevant matters to notify shareholders and creditors regarding their departure [2] Impact on Company Operations - The resignations of Li Longcheng and Wang Linping are not anticipated to affect the board's operations or the company's management, as they have completed the necessary work handover in accordance with company regulations [3]

本文源自：金融界 2025年8月16日，乐山电力公告，其控股子公司绵阳安泓企业管理有限公司之全资子公司绵阳安泓建设 发展有限公司，为满足生产经营需要，向交通银行绵阳分行申请1000万元贷款，安泓企管提供连带责任 担保。 ...

交通银行（601328）(03328)公布，李龙成先生因年龄原因，向该行董事会提请辞去非执行董事、审计 委员会委员、人事薪酬委员会委员职务;汪林平先生因年龄原因，向该行董事会提请辞去非执行董事、 战略委员会(普惠金融发展委员会)委员、风险管理与关联交易控制委员会委员，辞任自2025年8月15日 起生效。 ...

（编辑 楚丽君） 证券日报网讯 8月15日晚间，交通银行发布公告称，本公司董事会收到非执行董事李龙成先生、汪林平 先生的辞任函。李龙成先生因年龄原因，向本公司董事会提请辞去非执行董事、审计委员会委员、人事 薪酬委员会委员职务；汪林平先生因年龄原因，向本公司董事会提请辞去非执行董事、战略委员会（普 惠金融发展委员会）委员、风险管理与关联交易控制委员会委员，辞任自2025年8月15日起生效。 ...

Group 1 - The 2025 China International Service Trade Fair's financial services section will be held from September 10 to September 14 in Beijing, focusing on the theme "Digital Intelligence Drives Open Win-Win" [1] - The financial services section aims to create four major platforms: global financial innovation product and service display, important policy and industry rule release, partner negotiation, and cutting-edge financial experience [1] - A total of 92 companies will participate in the exhibition, including 68 from the Fortune Global 500, with a 45.7% internationalization rate [1] Group 2 - Major financial institutions such as Industrial and Commercial Bank of China, Bank of China, and Beijing Bank will showcase innovative products in the field of fintech [2] - Industrial and Commercial Bank will display a trillion-level financial model, while Beijing Bank will present an interactive digital robot to demonstrate various financial services [2] - A digital RMB immersive experience area of nearly 1,000 square meters will be created, featuring a collaborative exhibition matrix from multiple banks to showcase "Digital RMB+" innovations [2] Group 3 - The financial services section will emphasize experiential activities, with interactive events designed to engage the public [3] - China Minsheng Bank will introduce fun activities such as stamp collection and interactive games to enhance the audience's experience of financial innovation [3] - Traffic Bank will feature creative displays and promotional activities to allow visitors to experience the vitality of a century-old financial brand [3]

Core Viewpoint - The recent implementation of the personal consumption loan interest subsidy policy by the Ministry of Finance, the People's Bank of China, and the financial regulatory authority aims to stimulate consumer spending through subsidized loans, with a focus on major banks and specific financial institutions [4]. Group 1: Policy Overview - The personal consumption loan subsidy policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to receive a subsidy of 1% per year on loans used for consumption, capped at 50% of the loan contract interest rate [4]. - A total of 23 lending institutions are included in the policy, comprising 6 large state-owned commercial banks, 12 national joint-stock commercial banks, and 5 other personal consumption loan providers [4]. Group 2: Loan Balances - In 2024, 16 banks reported personal consumption loan balances exceeding 100 billion yuan, with the top ten banks surpassing 300 billion yuan, indicating a significant concentration of loan balances among leading banks [4]. - Postal Savings Bank leads with a loan balance of 613.9 billion yuan, followed by China Construction Bank at 544.9 billion yuan and Agricultural Bank of China at 491.4 billion yuan [3][4]. Group 3: Bank Rankings - Among the top ten banks, five are large state-owned commercial banks, while three national joint-stock commercial banks also made the list: Ping An Bank (4th), China Merchants Bank (6th), and CITIC Bank (10th) [5]. - Notable performances include Ping An Bank with a balance of 474.7 billion yuan, surpassing Industrial and Commercial Bank of China at 421.2 billion yuan, and Ningbo Bank at 357.5 billion yuan, slightly ahead of Bank of Communications at 330.3 billion yuan [5].

Group 1 - The board of directors of Bank of Communications (03328.HK) received resignation letters from non-executive directors Li Longcheng and Wang Linping [1] - Li Longcheng resigned due to age reasons from his positions as non-executive director, audit committee member, and human resources and remuneration committee member [1] - Wang Linping also resigned due to age reasons from his roles as non-executive director, member of the strategic committee (inclusive finance development committee), and risk management and related party transaction control committee, effective from August 15, 2025 [1]

Bank of Communications Co., Ltd. （於中華人民共和國註冊成立的股份有限公司） 交通銀行股份有限公司 | 姓名 | 目前所任職務 | | --- | --- | | 張向東 | 獨立非執行董事、審計委員會委員、風險管理與關聯交 | | | 易控制委員會主任委員 | | 李曉慧 | 獨立非執行董事、審計委員會主任委員、人事薪酬委員 | | | 會委員 | | 馬駿 | 獨立非執行董事、戰略委員會（普惠金融發展委員會）委 | | | 員、風險管理與關聯交易控制委員會委員 | | 王天澤 | 獨立非執行董事、審計委員會委員、風險管理與關聯交 | | | 易控制委員會委員 | | 肖偉 | 獨立非執行董事、人事薪酬委員會主任委員、風險管理 | | | 與關聯交易控制委員會委員 | 中國上海 2025年8月15日 （股份代號：03328） 董事會成員名單及其職務 | 姓名 | 目前所任職務 | | --- | --- | | 任德奇 | 董事長、執行董事、戰略委員會（普惠金融發展委員會） | | | 主任委員 | | 張寶江 | 副董事長、執行董事、社會責任(ESG)與消費者權益保護 | ...

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。 交通銀行股份有限公司（「本行」）董事會（「董事會」）收到非執行董事李龍成先 生、汪林平先生的辭任函。李龍成先生因年齡原因，向本行董事會提請辭去非執 行董事、審計委員會委員、人事薪酬委員會委員職務；汪林平先生因年齡原因， 向本行董事會提請辭去非執行董事、戰略委員會（普惠金融發展委員會）委員、 風險管理與關聯交易控制委員會委員，辭任自2025年8月15日起生效。李龍成先 生、汪林平先生已確認與本行董事會無不同意見，同時也沒有任何與辭任有關而 需要通知本行股東和債權人的事項。 李龍成先生、汪林平先生擔任本行非執行董事期間，勤勉敬業、恪盡職守，為本 行改革發展事業做出了重要貢獻。董事會謹此向李龍成先生、汪林平先生表示衷 心感謝。 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 2025年8月15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 ...