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） 2025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2025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、公司基本情祝 | | 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 | | | 聯繫地址 中國（上海）自由貿易試驗區銀城中路1 ...

Core Viewpoint - The impact of Typhoon "Jianyu" on the mango production industry in Sanya, Hainan, has resulted in significant economic losses for local enterprises, prompting financial support measures from the Bank of Communications Sanya Branch [1] Group 1: Typhoon Impact - Typhoon "Jianyu" caused varying degrees of damage to agricultural crops in Sanya, particularly affecting a large mango plantation [1] - The mango production enterprise, established in 1996, has become a significant green and pollution-free mango production demonstration base in Hainan, but faced substantial losses due to the typhoon [1] Group 2: Financial Support Measures - The Bank of Communications Sanya Branch quickly opened a dedicated credit service channel for affected customers, implementing priority processing and time-limited completion mechanisms [1] - A loan of 4 million yuan was rapidly disbursed on August 28, reflecting the bank's commitment to enhancing financial services for key sectors and supporting post-disaster recovery [1] - The bank also proactively reduced loan interest rates for affected small and micro enterprises to lower their overall financing costs [1] Group 3: Ongoing Support Initiatives - The Bank of Communications Sanya Branch plans to continue visiting clients to understand the difficulties and financial needs of affected enterprises, providing targeted financial services [2] - The bank aims to ensure stable financing for small and micro enterprises by extending loan terms and enhancing service support [2]

8月28日，第七届中阿博览会在宁夏银川开幕。作为中国与阿拉伯国家共建"一带一路"的重要平台，中 阿博览会已成为推动中阿务实合作，促进共同发展的重要桥梁。交通银行再度携多项创新金融产品亮相 大会，为参展客商提供综合化跨境金融服务，助力大会举办。 打造"金融+文旅"特色展区全力服务中阿博览会 交行积极履行国有大行责任担当，深度参与"一带一路"建设。2024年，交行迪拜国际金融中心分行正式 开业，标志着服务中阿经贸合作迈出关键一步。分行开业以来，已在阿拉伯国家地区先后支持了太阳能 光伏电站、中央商务区、现代炼油厂等多个标志性合作项目，有力推动了区域经济发展和产业升级。为 进一步扩大中阿博览会影响力、推动中阿经贸交流，近期宁夏区分行联动迪拜国际金融中心分行，在阿 联酋迪拜举办"丝路交响、与'宁'有约"—第七届中阿博览会交流会，中国贸促会驻海湾地区代表处、驻 阿中资企业及阿联酋相关机构代表齐聚一堂，共话合作、共谋发展。 （文章来源：新华网） 位于中央企业馆的交行展位全面展示了交行跨境金融特色服务。依托"境内外、离在岸、本外币"一体化 经营优势，交行打造了覆盖信贷融资、跨境支付、贸易结算和外汇避险等领域的综合金融方案，为 ...

Group 1 - Consumption is a key hub for the national economic cycle and a main engine for high-quality economic development, with the Bank of Communications Henan Branch actively responding to the national call to "expand domestic demand and promote consumption" [1] - The bank has innovated loan services to support small and micro enterprises, effectively activating consumption momentum and bridging supply and demand through financial means [1] - The "old-for-new" policy has created sales surges but also financial pressure on participating merchants, prompting the bank to customize "national subsidy funds" loan solutions for small merchants [1] Group 2 - The bank successfully issued a 1 million yuan credit loan to a well-known home appliance dealer in Henan within three working days, increasing the amount to 2 million yuan to alleviate the dealer's liquidity pressure [1] - The bank launched the "Bank of Communications Neighbor Season, Benefits at Home" consumer activity, providing consumer vouchers in high-frequency consumption scenarios such as supermarkets and convenience stores [2] - The bank upgraded its credit card "old-for-new" activity, allowing consumers to enjoy additional benefits on top of government subsidies, creating a dual discount effect [2] - The "Hundred Counties and Ten Thousand Stores" credit card initiative aims to deliver quality financial services and exclusive discounts to rural areas, fostering a healthy and active county-level consumption financial ecosystem [2]

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points, reflecting a response to previous rate cuts by larger commercial banks and the need to address downward pressure on net interest margins [1][5]. Group 1: Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [1]. - Highmi Hui Min Village Bank in Shandong has lowered the annual interest rates for personal fixed deposits of 6 months, 1 year, and 2 years by 10 basis points, while the rates for 3-year and 5-year deposits have been reduced by 20 basis points [2]. - Jilin Longtan Huayi Village Bank has also adjusted its deposit rates, lowering the annual interest rate for demand deposits from 0.2% to 0.15%, and reducing rates for various fixed deposit terms by 10 to 20 basis points [3]. - Zhejiang Shengzhou Ruifeng Village Bank and Jilin Baishan Hunjing Hengtai Village Bank have similarly announced reductions in deposit rates, primarily between 10 to 20 basis points [4]. Group 2: Market Context and Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major banks, which included a maximum cut of 25 basis points [5]. - As of May, the six major banks have set their demand deposit rates at 0.05%, with three-year and five-year deposit rates at 1.25% and 1.3%, respectively [5].

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit interest rates, with decreases ranging from 10 to 20 basis points [1][8]. Summary by Sections Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [2][3]. - Jilin Longtan Huayi Village Bank has lowered its interest rates for various deposit terms, with the three-year and five-year rates down by 20 basis points [5]. - Shandong Gaomi Huimin Village Bank has also reduced its rates for personal fixed deposits across multiple terms, with three-year and five-year rates down by 20 basis points [6]. Market Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major commercial banks, which had cut rates by up to 25 basis points [8][9]. - The current interest rates for major banks are 0.05% for demand deposits and 1.25% and 1.30% for three-year and five-year fixed deposits, respectively [9]. Implications for Investors - According to a researcher from China Postal Savings Bank, the downward pressure on deposit rates is expected to continue, prompting residents to consider their investment experience, capabilities, and risk preferences to achieve better returns [8].

Group 1 - The seventh China-Arab States Expo opened in Yinchuan, showcasing the Bank of Communications' innovative financial products and comprehensive cross-border financial services to support the event [1] - The Bank of Communications has developed integrated financial solutions covering credit financing, cross-border payments, trade settlement, and foreign exchange hedging, leveraging its advantages in both domestic and foreign operations [2][5] - The bank's Dubai International Financial Center branch is set to officially open in 2024, marking a significant step in enhancing China-Arab economic cooperation [5] Group 2 - The bank is actively promoting cultural tourism in Ningxia, launching a themed credit card and collaborating with over 300 merchants to offer various discounts and benefits [2] - The expo serves as an important platform for practical cooperation between China and Arab countries, facilitating economic development and industrial upgrades through significant projects like solar power plants and modern refineries [5] - Recent events, such as the "Silk Road Symphony, with 'Ning' in Appointment" exchange meeting in Dubai, aim to enhance the influence of the expo and foster economic exchanges between China and Arab nations [5]

位于博览会中央企业馆的交通银行展位全面展示了交行跨境金融特色服务。依托"境内外、离在岸、本外币"一体化经营优势，交通银行打造了覆盖信贷融 资、跨境支付、贸易结算和外汇避险等领域的综合金融方案，为"一带一路"项目提供全周期、多场景支持。由交通银行宁夏回族自治区分行、迪拜国际金融 中心分行业务骨干组成的团队现场为参展客商宣介一揽子金融服务。 此外，交通银行还结合自身"文旅大戏"特色品牌开展宁夏文旅宣传推广。展馆内，设置了"心动的旅城"宁夏文旅形象展示墙，大型显示屏轮番展示着宁夏及 中东的标志性景点，吸引了不少观众驻足感受两地的独特魅力。展馆外，交通银行在8月同步启动了"心动的旅城"文旅大戏宁夏站活动，推出宁夏文旅主题 信用卡，并围绕"吃住行游购娱"等消费场景，携手300余家商户推出各类优惠福利。 转自：新华财经 8月28日，第七届中阿博览会在宁夏银川开幕。作为中国与阿拉伯国家共建"一带一路"的重要平台，中阿博览会已成为推动中阿务实合作，促进共同发展的 重要桥梁。交通银行携多项创新金融产品亮相大会，为参展客商提供综合化跨境金融服务，助力大会圆满举办。 na = X BP ST HISTORY 发展历程 Mvria ...

Core Viewpoint - The event "Financial Promotion of Consumption · Shopping in Qingdao" aims to implement a series of financial policies to boost consumer spending, with active participation from the Bank of Communications Qingdao Branch [1][3]. Group 1: Event Overview - The event features an innovative "policy + scenario + flow" three-dimensional linkage model, integrating finance and consumption to create a closed-loop ecosystem [3]. - It connects key industries such as tourism, retail, automotive, healthcare, real estate, and home appliances, planning six major themed exhibitions throughout the year to stimulate monthly consumption [3]. - The first day of the event attracted thousands of citizens, revitalizing the century-old courtyard [3]. Group 2: Financial Services Offered - The Bank of Communications Qingdao Branch set up promotional booths to introduce debit and credit card consumption benefits, along with interactive activities like WeChat lotteries and blind box events [3][5]. - The bank introduced its "Heartfelt Companion" wedding financial service brand and "Heartfelt Purchase" consumer finance service brand, aiming to meet diverse consumer needs [5]. Group 3: Future Plans - The Bank of Communications Qingdao Branch plans to continue implementing the "Finance for the People" concept, exploring new paths and methods to meet consumer demands and contribute to the city's economic development [7].

交通银行内蒙古分行始终将参与中蒙国际博览会作为对接市场需求、践行国家战略的重要抓手。该行通过这一平台，精准聚 焦跨境贸易、基础设施建设、新能源开发、农牧业现代化等区域重点发展领域，主动对接企业多样化金融需求，量身定制全 方位金融服务方案。此举既是该行助力内蒙古打造向北开放重要桥头堡的具体实践，也是其坚守金融本源、履行国有银行主 责主业的生动体现，为中蒙及周边区域的协同发展提供了有力金融支撑。 在支持内蒙古实体经济发展方面，交通银行内蒙古分行持续加大资源投入，成效显著。今年以来，该行已累计投放各类贷款 超350亿元，资金重点投向内蒙古自治区内重大项目建设与龙头企业发展，为地方产业升级和经济稳定增长筑牢资金根基。 同时，该行高度重视普惠金融领域发展，不断加大对小微企业、乡村振兴的支持力度，通过优化信贷流程、降低融资成本等 举措，切实缓解市场主体"融资难、融资贵"问题，以实际行动赋能本地产业转型升级，为内蒙古经济高质量发展贡献金融力 量。 面向未来，随着内蒙古向北开放重要桥头堡建设的不断推进，中蒙俄经济走廊合作的持续深化，交通银行内蒙古分行将进一 步以中蒙博览会为契机，充分发挥自身在跨境金融、产业金融等领域的优势， ...