Group 1 - The event "Financial Promotion of Consumption · Shopping in Qingdao" was launched to implement the financial consumption promotion policy by the People's Bank of China [1] - The event features a three-dimensional linkage model of "policy + scenario + flow" to create a deep integration ecosystem of finance and consumption [1] - The event will cover key industries such as culture and tourism, supermarkets, automobiles, and home appliances, with six major themed exhibitions planned throughout the year [1] Group 2 - The Qingdao branch of the Bank of Communications set up a booth at the event to introduce debit and credit card benefits, engaging citizens with interactive activities [1] - The bank's deputy president Liu Jianping and the retail credit business department manager Gao Jun highlighted the "Heart-to-Heart Benefits" financial services for marriage and consumption [2] - The bank has developed a special action plan with 35 specific measures to enhance support for consumer finance this year [2]

Meeting Information - The fourth extraordinary general meeting of shareholders will be held on December 12, 2025 [1] - The meeting will utilize a combination of on-site and online voting methods, with online voting available for A-share shareholders [1] - The meeting will take place at 9:30 AM at the Bank of Communications Financial Building, located at 188 Yincheng Middle Road, Shanghai [1] - Online voting will be conducted through the Shanghai Stock Exchange's shareholder meeting online voting system, available from 9:15 AM to 3:00 PM on the day of the meeting [1] Voting Procedures - Shareholders must ensure that their votes do not exceed their entitled voting rights; otherwise, those votes will be considered invalid [2] - Shareholders holding both common and preferred shares must vote separately for each type of share [3] - Voting can be conducted via the trading system or the internet voting platform, with identity verification required for first-time users [3] Attendance Requirements - A-share shareholders registered with the China Securities Depository and Clearing Corporation Limited by the close of trading on the registration date are eligible to attend the meeting [4] - Natural shareholders must present valid identification and proof of shareholding, while corporate shareholders must provide relevant legal documents and identification [5] Additional Information - The contact information for the meeting is provided, including the address, phone numbers, and email for inquiries [8] - Attendees are responsible for their own travel and accommodation expenses [8]

Core Insights - The article highlights the ongoing decline in business loan interest rates, with many banks offering rates below 2.5% as they seek to attract small and micro enterprises amid weak mortgage demand and retail pressures [1][2][4] Group 1: Business Loan Market Dynamics - Business loan interest rates are dropping significantly, with some banks like Ping An Bank and Zhuhai Huaren Bank offering rates as low as 2.3% [1][2] - The competitive landscape among banks is intensifying, leading to a price war where banks are lowering rates to capture market share [1][4] - Banks are also innovating in loan repayment methods and customer referral programs to attract new clients [3] Group 2: Loan Approval Practices - Banks are showing flexibility in loan approval criteria, allowing personal bank statements to supplement business income statements if the latter do not meet requirements [2][3] - Some banks are encouraging practices that may violate prudent lending principles, such as using personal transactions to inflate business income [4][6] Group 3: Regulatory and Risk Considerations - The decline in interest rates is attributed to multiple factors, including a shrinking mortgage market and regulatory pressures to support small businesses [4] - There are concerns that the aggressive pricing strategies could undermine banks' long-term sustainability and lead to lax risk management practices [4][6] - Legal experts warn that using personal income to misrepresent business financial health could lead to regulatory penalties for banks and potential criminal charges for borrowers [6][7] Group 4: Consumer Protection Issues - The article discusses the emergence of fraudulent intermediaries who exploit the low-interest environment to charge fees for facilitating loans, posing risks to consumer rights and financial safety [5][7] - Banks are issuing warnings to consumers about the misuse of loan funds and the consequences of not adhering to loan agreements [7]

Core Viewpoint - The article discusses the launch of the "Business Circle Benefit Loan" by Bank of Communications, aimed at empowering small and micro enterprises in the context of economic recovery and consumption potential release [1][2]. Group 1: Policy and Economic Context - The Chinese government has issued a plan to boost consumption, focusing on enhancing service supply capabilities and supporting innovative consumption scenarios [1]. - The financial sector is encouraged to provide targeted support to stimulate market vitality and empower the real economy [1]. Group 2: Product Launch and Features - The "Business Circle Benefit Loan" will be officially launched at the financial ecosystem conference in Shaoxing on November 25, showcasing the latest upgrades and regional strategies [2][7]. - This product aims to break traditional credit service barriers, utilizing data and scenarios to promote inclusive finance into a new era [7]. Group 3: Collaborative Ecosystem - The initiative will create a "financial + ecosystem" service network, connecting various stakeholders such as business circle managers, industry associations, local governments, and digital platforms [7]. - The loan product will not only provide better credit limits and interest rates but also integrate merchants into a supportive ecosystem with training, business matching, and policy interpretation [7][8]. Group 4: Future Outlook - The gradual promotion of the "Business Circle Benefit Loan" across various business circles and industrial parks is expected to optimize the small and micro economic ecosystem [8]. - The collaboration among banks, governments, and enterprises is anticipated to mature, fostering a more resilient economic micro-cycle [8].

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。 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2025年第四次臨時股東會資料》，謹供參閱。 （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 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11月20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 交通银行股份有限公司 2025 年第四次临时股东会 资 料 2025 年 12 月 | | | | 股东会议程 2 | | --- | | 股东会议案 3 | ...

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 公司關於召開2025年第四次臨時股東會的通知》，謹供參閱。 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11月20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 2025-073 （三）投票方式：本次股东会所采用的表决方式是现场投票和网络投票相结 合的方式（ ...

Group 1 - The company, Bank of Communications (03328), announced a mid-term dividend distribution of 1.563 yuan for every 10 shares [1] - The dividend will be paid on January 28, 2026, for the six months ending June 30, 2025 [1]

交通银行股份有限公司 2025 年第四次临时股东会 资 料 2025 年 12 月 召集人：交通银行股份有限公司（下称本公司）董事会 会议议程： 四、投票表决 2 | | | | 股东会议程 | | --- | | 股东会议案 | | 关于《2025年半年度利润分配方案》的议案 | l 股东会议程 现场会议开始时间：2025 年 12 月 12 日（星期五）9:30 现场会议地点：上海市银城中路 188 号交银金融大厦 网络投票：适用于 A 股 各位股东： 本公司 2025 年上半年经审阅的国际财务报告准则和中 国会计准则报表集团净利润（归属于母公司股东）均为人民 币 460.16 亿元，银行口径 1净利润均为人民币 388.28 亿元。 截至 2025 年上半年末，银行口径累计可供分配利润为人民币 2,828.71 亿元，具备现金分红条件。分配方案如下： 一、大会主席宣布开会 二、审议议案：关于《2025 年半年度利润分配方案》的议案 三、股东提问 五、计票，休会 六、宣布表决结果 七、宣读法律意见书 八、大会主席宣布现场会议休会 交 通 银 行 股 份 有 限 公 司 2025 年第四次临时股东会议案 关 ...

交通银行股份有限公司 关于召开2025年第四次临时股东会的通知 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。 股票代码：601328 股票简称：交通银行 编号：临 2025-073 重要内容提示： 一、召开会议的基本情况 （一）股东会类型和届次 2025年第四次临时股东会 （二）股东会召集人：董事会 （三）投票方式：本次股东会所采用的表决方式是现场投票和网络投票相结 合的方式（网络投票适用于 A 股股东） 1 股东会召开日期：2025 年 12 月 12 日 本次股东会采用的网络投票系统：上海证券交易所股东会网络投票系统 （四）现场会议召开的日期、时间和地点 时间：2025 年 12 月 12 日 9 点 30 分 地点：上海市银城中路 188 号交银金融大厦 （五）网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东会网络投票系统 网络投票起止时间：自2025 年 12 月 12 日 至2025 年 12 月 12 日 采用上海证券交易所网络投票系统，通过 ...

Core Viewpoint - The company, Bank of Communications, announced a mid-term dividend distribution of 1.563 yuan per 10 shares, to be paid on January 28, 2026, for the six months ending June 30, 2025 [1] Summary by Category - **Dividend Announcement** - The company will distribute a mid-term dividend of 1.563 yuan for every 10 shares [1]