交通银行日前公布了2025年的年报，年报显示，交行2025年全年的营收与净利润均实现2%以上的正增 长，在国有大行中表现稳健。 年报显示，通过有效压降负债成本，交行全年利息净收入实现同比增长1.91%。这个表现在同类银行中 较为突出，更稳住了营业收入的最大基本盘。 年报还提及，交行在2025年度顺利完成了1200亿元定增方案的落地，大幅夯实核心资本，为后续的信贷 投放和风险抵御打下良好基础。营收净利超过2% 财报数据显示，2025年全年，交通银行实现营业收入2650.71亿元，同比增长2.02%；实现归属于母公司 股东的净利润956.22亿元，同比增长2.18%。 截至报告期末，集团资产总额突破15万亿大关，达到15.55万亿元，较上年末增长4.35%。 截至年末，零售AUM（资产管理规模）达到5.98万亿元，较上年末增长8.91%；理财业务与代理类业务 收入的增加，成为拉动非息收入增长的核心引擎。资产指标有所优化 在资产质量方面，交行整体呈现"稳中向好"的态势。截至2025年末，集团不良贷款率为1.28%，较年初 下降0.03个百分点；拨备覆盖率进一步提升6.44个百分点至208.38%。 从行业分布来看， ...

Core Viewpoint - The Bank of Communications expects to maintain a stable and improving net interest margin for the year, driven by an increase in the maturity of time deposits and effective pricing mechanisms [1]. Group 1: Deposit Management - The maturity amount of time deposits for the Bank of Communications has significantly increased compared to last year, with a large proportion maturing in the first quarter [1]. - The bank emphasizes the importance of deposit repricing and self-discipline in pricing mechanisms to effectively manage the lower limit of loan and asset pricing and the upper limit of deposit and other liabilities pricing [1]. Group 2: Strategies for Maintaining Net Interest Margin - The bank plans to manage the balance between loan volume and pricing rigorously, holding various business lines and operational units accountable for this balance [1]. - A refined approach to loan and deposit pricing management will be implemented, ensuring compliance with self-discipline pricing mechanism requirements [1]. - The bank aims to scientifically optimize its asset-liability structure, dynamically adjusting it based on the relationships between various asset-liability prices and overall liquidity interest rate risks [1].

本报讯 （记者熊悦）3月27日晚间，交通银行发布2025年度报告。2025年，交通银行（按集团口径）实 现营收2650.71亿元，同比增长2.02%；实现归属于母公司股东净利润956.22亿元，同比增长2.18%。截 至2025年末，交通银行资产总额突破15.5万亿元，较2024年末增长4.35%；资产质量稳中向好，不良贷 款率为1.28%，较2024年末下降0.03个百分点，拨备覆盖率提升至208.38%，风险抵补能力充足。 当日晚间，交通银行同步发布2025年度利润分配方案公告，每10股分配现金股利1.684元（含税），共 分配现金股利人民币148.80亿元。在此基础上，加上该行已派发的2025年半年度股息（每10股分配现金 股利人民币1.563元），该行2025年度全年每股分配现金股利0.3247元（含税），共分配现金股利人民币 286.92亿元，现金分红比例为32.3%（即分配的现金股利总额占归属于母公司普通股股东净利润的比 例）。 （编辑 张伟） ...

Group 1 - The core point of the article is that the Bank of Communications has obtained a patent for a "data processing system, method, electronic device, storage medium, and program product," with the authorization announcement number CN119180060B and an application date of August 2024 [1] - The Bank of Communications was established in 1987 and is located in Shanghai, primarily engaged in monetary financial services [1] - The registered capital of the Bank of Communications is approximately 88.36 billion RMB [1] Group 2 - The Bank of Communications has made investments in 25 companies and has participated in 8,307 bidding projects [1] - The company holds 468 trademark registrations and 305 patent registrations, along with 142 administrative licenses [1]

2025年末，集团资产总额15.55万亿元，较上年末增长4.35%。其中客户贷款余额9.12万亿元，较上年末增加5684.49亿 元，增幅6.64%；客户存款余额9.31万亿元，较上年末增加5074.80亿元，增幅5.77%。不良贷款率1.28%，较上年末下 降0.03个百分点；拨备覆盖率208.38%，较上年末上升6.44个百分点。 3月27日，交通银行发布2025年度业绩公告。2025年，集团实现净利润（归属于母公司股东）956.22亿元，同比增长 2.18%；实现净经营收入2656.00亿元，同比增长2.05%。 （交通银行） ...

报告期末，集团不良贷款率1.28%，较上年末下降0.03个百分点;拨备覆盖率208.38%，较上年末上升6.44 个百分点。 智通财经APP讯，交通银行(601328.SH)发布2025年年度报告，报告期内，集团实现净利润(归属于母公 司股东)956.22亿元，同比增长2.18%;实现营业收入2,650.71亿元，同比增长2.02%。拟向普通股股东每 10股分配现金股利人民币1.684元(含税)。 报告期末，集团资产总额15.55万亿元，较上年末增长4.35%。其中客户贷款余额9.12万亿元，较上年末 增加5,684.49亿元，增幅6.64%;客户存款余额9.31万亿元，较上年末增加5,074.80亿元，增幅5.77%。 ...

Core Viewpoint - The report indicates that Bank of Communications achieved a net profit of 95.622 billion RMB, reflecting a year-on-year growth of 2.18%, alongside an operating revenue of 265.071 billion RMB, which also grew by 2.02% [1] Financial Performance - The total assets of the group reached 15.55 trillion RMB, marking a growth of 4.35% compared to the end of the previous year [1] - The customer loan balance stood at 9.12 trillion RMB, with an increase of 568.449 billion RMB, representing a growth rate of 6.64% [1] - The customer deposit balance was 9.31 trillion RMB, which increased by 507.48 billion RMB, showing a growth of 5.77% [1] Asset Quality - The non-performing loan ratio was reported at 1.28%, a decrease of 0.03 percentage points from the end of the previous year [1] - The provision coverage ratio improved to 208.38%, an increase of 6.44 percentage points compared to the previous year-end [1] Dividend Distribution - The company proposed a cash dividend of 1.684 RMB per 10 shares (tax included) to ordinary shareholders [1]

Core Viewpoint - The core viewpoint of the article is that Bank of Communications has successfully stabilized its net interest margin (NIM) since the third quarter of 2025, and it anticipates a positive trend for the entire year of 2026 due to various supportive conditions [1]. Summary by Relevant Sections Net Interest Margin Performance - The bank's Executive Director and Vice President, Zhou Wanfeng, stated that since 2025, the bank has achieved a basic stability in its net interest margin through multiple efforts [1]. - The NIM has been stable since the third quarter of 2025, and the bank expects this trend to continue into 2026 [1]. Factors Supporting NIM Stability - The bank identifies two main factors supporting the expected stability and improvement of NIM in 2026: the repricing of deposits and a significantly enhanced pricing self-discipline mechanism [1]. Strategies for Maintaining NIM Stability - To maintain stable NIM, the bank will focus on three key areas: 1. Strictly conducting loan and deposit volume and price evaluation management, ensuring accountability across business lines and operational units in balancing volume and price [1]. 2. Implementing refined pricing management for loans and deposits, adhering strictly to the pricing self-discipline mechanism [1]. 3. Dynamically optimizing and adjusting the asset-liability structure [1].

Dividend Distribution - The bank plans to distribute a cash dividend of RMB 1.684 per 10 shares to ordinary shareholders, totaling RMB 14.88 billion based on 88.364 billion shares outstanding[5]. - The bank's total cash dividend distribution for the year is set at RMB 14.88 billion, with no plans for stock dividends or capital reserve transfers[5]. Financial Performance - Net interest income for 2025 was CNY 173,075 million, a 1.91% increase from CNY 169,832 million in 2024[19]. - Total operating income reached CNY 265,071 million, reflecting a 2.02% growth compared to CNY 259,826 million in the previous year[19]. - Net profit attributable to shareholders was CNY 95,622 million, up 2.18% from CNY 93,586 million in 2024[19]. - Total assets increased by 4.35% to CNY 15,548,388 million from CNY 14,900,717 million in 2024[19]. - Customer loans rose by 6.64% to CNY 9,123,571 million, compared to CNY 8,555,122 million in 2024[19]. Risk Management - The bank has implemented measures to manage various risks, including credit risk, market risk, liquidity risk, operational risk, and compliance risk[5]. - The bank's management emphasizes the importance of risk awareness among investors regarding forward-looking statements and future plans[5]. - The non-performing loan ratio improved to 1.28%, down from 1.31% in 2024[20]. - The bank maintained a provision coverage ratio of 208.38%, an increase from 201.94% in the previous year[20]. Digital Transformation - The bank aims to enhance its capabilities in inclusive finance, trade finance, technology finance, and wealth finance, focusing on high-quality development through digital transformation[13]. - The bank's digital service brand, "Cloud Bank," aims to meet customer needs through remote video services and online service models[6]. - The deployment of AI assistants exceeded 2,500 units, supporting enhanced marketing precision and risk management[37]. - The bank's focus on digital transformation resulted in a nearly 20% increase in data scale, enhancing operational efficiency[37]. Customer Base and Services - The bank provided comprehensive financial services to 3.07 million corporate clients and 205 million retail clients through over 2,800 domestic branches and 24 overseas branches[14]. - The bank's retail customer base grew by over 9% for six consecutive years, reflecting successful customer acquisition strategies[35]. - The total number of corporate customers reached 3.07 million, an increase of 7.92% compared to the end of the previous year[62]. - The number of group customers increased by 22,600 to 134,400, with a focus on key national strategic areas such as technology finance and green development[62]. Loan and Deposit Growth - The balance of domestic RMB loans reached CNY 8.87 trillion, an increase of 7.88% compared to the previous year[41]. - The balance of technology loans was CNY 1.58 trillion, growing by 10.73% year-on-year[42]. - The balance of green loans reached CNY 9.51 trillion, reflecting a growth of 14.16% from the previous year[44]. - The balance of inclusive small and micro loans was CNY 9.10 trillion, which increased by 20.76% year-on-year[43]. - The balance of personal loans was RMB 28,350.38 billion, an increase of 3.00%, with personal consumption loans rising by 19.82%[151]. International Operations - The bank's international operations contributed 11.67% to the overall profit, indicating the value of its internationalization strategy[32]. - The international settlement volume reached USD 587.044 billion, growing by 14.55% year-on-year[99]. - The loan scale under the "Belt and Road" initiative reached USD 17.92 billion, an increase of 27.94% from the beginning of the year[99]. Financial Technology and Innovation - Financial technology investment reached CNY 12.34 billion, up 6.81% year-on-year, accounting for 5.78% of operating income[111]. - The number of users for the "Bank of Communications" WeChat mini-program reached 62.20 million, a growth of 27.78% from the previous year[110]. - The company launched the "New Seed Plan" to attract various venture capital and industry funds towards technology enterprises[58]. Corporate Social Responsibility - Cumulative donations for public welfare projects exceeded RMB 290 million, with 1,452 projects implemented[28]. - The company plans to enhance financial support for key areas such as expanding domestic demand, technological innovation, and small and medium-sized enterprises[28]. Asset Management - The total assets under management (AUM) for wealth management products reached CNY 2.16 trillion, up by 10% from the previous year[48]. - The cumulative increase in retail asset under management (AUM) grew by 30.57% over five years[27]. - The company's managed trust assets reached CNY 730.60 billion, reflecting a year-on-year growth of 10.78%, with net profit of CNY 0.81 billion during the reporting period[87].

经核查上述独立董事的任职经历以及提交的相关自查 文件，上述人员未在本行担任除独立董事、董事会专门委员 会委员或主任委员以外的其他职务，与本行以及本行的主要 股东之间不存在利害关系或其他可能影响其进行独立客观 判断的关系，符合相关法律法规及《交通银行股份有限公司 章程》中关于独立董事独立性的相关要求。 交通银行股份有限公司董事会 交通银行股份有限公司董事会关于 独立董事独立性自查情况的专项报告 根据《上市公司独立董事管理办法》等要求，交通银行 股份有限公司（以下简称本行）董事会就在任独立董事张向 东、李晓慧、马骏、王天泽、肖伟、刘瑞霞的独立性情况进 行评估并出具如下专项意见： 2026 年 3 月 27 日 ...