（编辑 郭之宸） 本报讯 （记者熊悦）记者从交通银行获悉，截至今年6月末，该行（按集团口径）资产总额达到15.44万亿元，较上年末增 长3.59%。今年上半年，该行实现营业收入1333.68亿元，实现归属于母公司股东净利润460.16亿元，同比分别增长0.77%、 1.61%。 资产质量方面，截至今年6月末，该行不良贷款率为1.28%，较上年末下降0.03个百分点；拨备覆盖率209.56%，较上年末 上升7.62个百分点。报告期内，该行累计处置不良贷款378.3亿元，同比增加27.9%。 ...

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 Bank of Communications Co., Ltd. （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 公告 2025年半年度利潤分配 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29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*、羅小鵬先生*、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 # 。 交通銀行股份有限公司（「本行」）於2025年8月29日召開了第十屆董事會（「董事 會」）第二十四次會議，會議審議通過了2025年半年度利潤分配方案的議案（「半年 度利潤分配」）。 董事會建議，以截至2025年6月30日本行的普通股股份總數88,363,784,223股為 ...

北京商报讯（记者 宋亦桐）8月29日，交通银行（601328）发布2025年半年度经营业绩，截至报告期 末，交通银行资产总额达到15.44万亿元，较上年末增长3.59%。报告期内，交通银行实现营业收入 1333.68亿元、归属于母公司股东净利润460.16亿元，同比分别增长0.77%、1.61%。 科技金融方面，截至报告期末，交通银行科技贷款余额突破1.5万亿元大关，获贷企业数量较上年末增 长11.12%，其中支持科技型中小企业3.23万户，贷款余额较上年末增长22.93%。 ...

Core Viewpoint - The report highlights the financial performance of Bank of Communications for the first half of 2025, showcasing growth in revenue and net profit, alongside improvements in asset quality and capital strength [1]. Financial Performance - The group achieved an operating income of 133.368 billion yuan and a net profit attributable to shareholders of 46.016 billion yuan, representing year-on-year growth of 0.77% and 0.77% respectively [1]. - As of the end of June, the total assets of the group reached 15.44 trillion yuan, an increase of 3.59% compared to the end of the previous year [1]. - The group's customer loan balance stood at 9.00 trillion yuan, reflecting a year-on-year growth of 5.18% [1]. Capital Strength - In the first half of the year, the bank completed the issuance of approximately 14.1 billion shares of ordinary shares (A-shares) to the Ministry of Finance, China Tobacco, and Shuangwei Investment, raising 120 billion yuan, which effectively supplemented the core tier one capital [1]. Asset Quality - As of the end of June, the non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points from the end of the previous year [1]. - The provision coverage ratio was 209.56%, an increase of 7.62 percentage points compared to the end of the previous year [1]. - The bank disposed of non-performing loans totaling 37.83 billion yuan in the first half of the year, a year-on-year increase of 27.9% [1].

Core Insights - The core focus of the meeting was on the strategic deployment of key initiatives for the second half of 2025, emphasizing the importance of enhancing financial services and supporting technological innovation [1] Group 1: Financial Policy and Services - The company aims to implement financial policies effectively and improve capital utilization efficiency to provide comprehensive financial services for technology innovation enterprises throughout their lifecycle [1] - In the realm of inclusive finance, the company plans to leverage digital tools to expand support for small and medium-sized enterprises [1] Group 2: Regional Development Strategy - The company will strengthen its competitive advantage in Shanghai, actively supporting the construction of the "Five Centers" in the city and contributing to the development of new productivity [1] - By enhancing technological financial capabilities and innovating product services, the company seeks to consolidate and expand its leading position in the financial market [1] Group 3: Digital Transformation - Digital transformation is identified as a core strategy, with plans to integrate digital services across all financial processes and reform operational models to enhance data capabilities [1] - The company aims to drive service efficiency improvements through data elements and artificial intelligence [1] Group 4: Customer Service Enhancement - The company will advance customer base enhancement initiatives, improve customer management systems, and deepen the integration of online and offline services [1] - There will be a focus on increasing customer acquisition through channels such as payroll, social security, and pension services, with an emphasis on consumption and payment [1] Group 5: Risk Management - The company will adhere to a bottom-line thinking approach, strengthening integrated management and improving comprehensive risk management mechanisms [1] - Emphasis will be placed on the "four early" requirements: early identification, early warning, early exposure, and early disposal, to effectively manage external shocks and risks [1]

8月29日金融一线消息，交通银行2025年半年度业绩说明会今日召开。交通银行执行董事、副行长周万阜表示，上半年交行净息差为1.21%，同比下降8个基点，主要受资产收益率降幅大于负债 关于五月降息对全年息差的影响，周万阜分析指出，人民银行五月份下调政策利率4个基点，叠加交行于5月20日同步下调存款挂牌利率，短期内这两方面因素形成相互对冲的中性影响。"但越往 对于全年息差走势，周万阜坦言仍面临进一步下行压力，主要源于资产端收益率的持续承压："房贷存量利率调整等政策性因素持续影响，叠加有效需求偏弱、同业竞争激烈，有效资产投放面临 为稳定息差，交行将实施三大策略：一是以数字化方式夯实客户基础，拓宽增厚客户底盘；二是优化资产负债结构，提升低成本存款占比，压降低收益资产占比；三是精细化定价管理，平衡总量 在存款管理方面，周万阜披露，上半年交行存款增加3710亿元，同比多增2721亿元，延续了"定期为主、个人为主"的结构特征。他预计全年存款总量将保持同比多增态势，虽然定期存款和个人 针对市场关注的定期化趋势，周万阜表示，随着经济活跃度恢复、居民消费倾向回升，以及挂牌利率多次下调、存款利率机制优化等因素共同作用，2025年存 ...

Core Viewpoint - The performance meeting of Bank of Communications highlighted the bank's commitment to high-quality development and its strategic focus on five key areas in response to the stable economic growth in China, with a GDP growth of 5.3% in the first half of the year [1][2]. Group 1: Economic Context - The Chinese economy is showing a "steady progress" trend, with a GDP growth of 5.3% in the first half of the year, which is better than expected [1]. - The banking sector is characterized by strong capital adequacy, stable operations, and robust risk management capabilities [1]. Group 2: Strategic Focus Areas - The bank will focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2]. - In technology finance, the bank aims to address key issues and enhance its service capabilities [2]. - Green finance will leverage the bank's advantages in Shanghai to support the construction of five key centers [2]. Group 3: Digital Transformation and Customer Base - The bank plans to deepen its digital operating model reform and create a system that integrates digital empowerment, direct operations, and centralized management [2]. - A strategy to enhance the customer base will be implemented, focusing on optimizing customer segmentation and expanding financial coverage [2]. Group 4: Risk Management - The bank emphasizes that risk management is a perpetual theme in banking operations, reinforcing integrated management and compliance to adapt to external uncertainties [2]. - The bank aims to align risk management with its operational capabilities to ensure stability [2].

Core Viewpoint - The Bank of Communications reported a stable and positive performance in the first half of 2025, with total assets reaching 15.44 trillion yuan, a year-on-year increase of 3.59%, and net profit attributable to shareholders growing by 1.61% to 46.016 billion yuan [1] Group 1: Financial Performance - The bank achieved operating income of 133.368 billion yuan, reflecting a year-on-year growth of 0.77% [1] - The total customer loan balance reached 9 trillion yuan, increasing by 5.18% compared to the end of the previous year [2] Group 2: Service to the Real Economy - The bank focused on supporting major national strategies and key sectors, enhancing financial functions and service quality [2] - Technology loans exceeded 1.5 trillion yuan, with the number of supported enterprises growing by 11.12% [2] - Inclusive finance loans reached 852.401 billion yuan, marking a 12.96% increase from the previous year [3] Group 3: Green Finance Initiatives - The bank integrated green development concepts into its business processes, with energy-saving and carbon-reduction industry loans growing by 6.58% [3] - The bank issued 145 billion yuan in green financial bonds within China [3] Group 4: Digital Finance and Innovation - The establishment of a digital operation center aimed to enhance the financial business operation system, with digital economy loans exceeding 286 billion yuan [4] - Internet loans increased by 8.52% compared to the previous year [4] Group 5: Capital Strength and Customer Base - The bank raised 120 billion yuan through the issuance of approximately 14.1 billion shares, enhancing its core tier one capital [7] - The number of corporate customers increased by 3.75% to 2.95 million [7] Group 6: Risk Management - The non-performing loan ratio stood at 1.28%, a decrease of 0.03 percentage points from the previous year [8] - The provision coverage ratio improved to 209.56%, an increase of 7.62 percentage points [8]

-农业银行：2025年上半年实现营业收入3697.93亿元，同比增长0.7%；归母净利润1395.1亿 元，同比增长2.7%； 29日盘后，工商银行、农业银行、中国银行、建设银行、交通银行披露半年报： -中国银行：今年上半年营业收入3294.18亿元，上年同期3179.29亿元；股东应享税后利润 1175.91亿元，上年同期1186.01亿元； -工商银行：2025年上半年营业收入4090.82亿元，上年同期4019.99亿元；归母净利润1681.03 亿元，上年同期1704.67亿元； -建设银行：今年上半年经营收入3859.05亿元，同比增加2.95%；归属于股东净利润1620.76亿 元，同比减少1.37%； -交通银行：今年上半年净经营收入1334.98亿元，同比增长0.72%；归母净利润460.16亿元，同 比增长1.61%。 ...

今日工商银行、农业银行、中国银行、建设银行、邮储银行、交通银行等六大国有行纷纷披露了半年报。 工商银行半年报显示，公司上半年实现营业收入4091亿元，同比增长1.8%；归母净利润1681.0亿元人民币，同比下降1.4%。 农业银行半年报显示，公司上半年实现营业收入3697.93亿元，同比增长0.7%；净利润1399.43亿元，同比增长2.5%。 邮储银行半年报显示，公司上半年实现营业收入达到1794.46亿元，同比增长1.5%；归属于银行股东的净利润492.28亿元，同比增长 0.85%。 交通银行半年报显示，上半年，集团实现营业收入1333.68亿元、归属于母公司股东净利润460.16亿元，同比分别增长0.77%、1.61%。 中国银行半年报显示，公司上半年实现净利润1175.9亿元人民币，同比下降0.9%；营业收入3294.18亿元，税后利润1261.38亿元。 建设银行半年报显示，公司上半年实现经营收入3859.05亿元，同比增长2.95%；净利润1626.38亿元，同比下降1.45%。 ...