公司代码：601328 公司简称：交通银行 交通银行股份有限公司 2025年度内部控制评价报告 交通银行股份有限公司全体股东： 根据《企业内部控制基本规范》及其配套指引的规定和其他内部控制监管要求（以下简称企业内部 控制规范体系），结合本公司（以下简称公司）内部控制制度和评价办法，在内部控制日常监督和专项 监督的基础上，我们对公司2025年12月31日（内部控制评价报告基准日）的内部控制有效性进行了评价。 一. 重要声明 按照企业内部控制规范体系的规定，建立健全和有效实施内部控制，评价其有效性，并如实披露内 部控制评价报告是公司董事会的责任。经理层负责组织领导企业内部控制的日常运行。公司董事会及董 事、高级管理人员保证本报告内容不存在任何虚假记载、误导性陈述或重大遗漏，并对报告内容的真实 性、准确性和完整性承担个别及连带法律责任。 公司内部控制的目标是合理保证经营管理合法合规、资产安全、财务报告及相关信息真实完整，提 高经营效率和效果，促进实现发展战略。由于内部控制存在的固有局限性，故仅能为实现上述目标提供 合理保证。此外，由于情况的变化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低， 根据内部 ...

一是查阅毕马威华振、毕马威关于专业胜任能力、投资者 保护能力、诚信记录和独立性等相关资料，认为其能够满足为 本行提供审计服务的要求，对续聘毕马威华振、毕马威提出建 议。本行第十届董事会审计委员会第十三次会议审议通过了《关 于聘用 2025 年度会计师事务所的议案》，同意将该议案提交董 事会审议。 交通银行股份有限公司董事会审计委员会对 会计师事务所履行监督职责情况的报告 根据《中华人民共和国公司法》《中华人民共和国证券法》 《上市公司治理准则》《上海证券交易所上市公司自律监管指 引第 1 号——规范运作》《国有企业、上市公司选聘会计师事 务所管理办法》及本行章程等规定和要求，2025 年，交通银行 股份有限公司（以下简称"本行"）董事会审计委员会勤勉尽 责，切实有效地监督、评估毕马威华振会计师事务所（以下简 称"毕马威华振"）、毕马威会计师事务所（以下简称"毕马 威"）对本行开展的外部审计等工作，具体情况如下： 四是督促毕马威华振、毕马威诚实守信、勤勉尽责，严格 遵守业务规则和行业自律规范，严格执行内部控制制度，对本 行财务会计报告进行核查验证，及时、准确、客观、公正地出 具审计报告，提供专业的管理建议，切实 ...

交通银行股份有限公司关于会计师事务所 2025 年度履职情况的评估报告 根据《国有企业、上市公司选聘会计师事务所管理办法》 《交通银行集团财务报告审计师服务质量评价实施细则》，交 通银行股份有限公司（以下简称"本行"）对毕马威华振会计 师事务所（特殊普通合伙）及毕马威会计师事务所（以下合称 "毕马威"）2025 年度的履职情况进行了评估，具体情况如下： 一、聘任会计师事务所履行的程序 2025 年 6 月 27 日，本行 2024 年度股东大会同意聘用毕马 威担任本行 2025 年度会计师事务所，其中：毕马威华振会计师 事务所（特殊普通合伙）负责本行按中国会计准则编制的财务 报表审计工作、内部控制审计工作及相关专业服务；毕马威会 计师事务所负责本行按国际财务报告准则编制的财务报表的审 计工作及相关专业服务。聘期自本行 2024 年度股东大会通过之 时起，至本行 2025 年度股东大会结束之时止。 二、2025 年度会计师事务所履职情况 毕马威按照与本行签订的业务约定书，遵循相关审计准则 和其他执业规范、守则，为本集团（包括境内外银行机构、非 银子公司）提供 2025 年度财务报表审计、内部控制审计及其他 相关 ...

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） 截至2025年12月31日止年度業績公告 交通銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈本行及其附屬公司 （「本集團」）截至2025年12月31日止年度（「報告期」），根據國際會計準則委員會 頒佈的《國際財務報告準則》編製的年度經審計合併財務信息（「年度業績」）。董事 會及其轄下的審計委員會已審閱並確認此年度業績。 一、公司基本情況 | | 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 | 姓名 | 何兆斌 | | --- | --- | | 聯 ...

交通银行公告，2025年营业收入2650.71亿元，同比增长2.02%。净利润956.22亿元，同比增长2.18%。 拟向普通股股东每10股分配现金股利人民币1.68元（含税），共分配现金股利人民币148.8亿元。 ...

Core Viewpoint - The six major state-owned banks in China have officially entered the reporting period for their 2025 annual results, with the Bank of Communications holding its performance briefing on March 27, 2025 [1] Group 1: Mortgage Loan Growth - The Bank of Communications has seen a significant increase in mortgage loan applications since March, with a growth of approximately 15% compared to the previous two quarters, indicating a potential stabilization in the real estate market [2] - If this trend continues, the bank anticipates achieving positive growth in its mortgage business this year, which will contribute to meeting the expected growth targets for its overall retail loans [3]

Core Viewpoint - The asset quality management of the bank is under pressure this year, with specific focus on several key areas [1] Group 1: Asset Quality Concerns - The bank anticipates that the asset quality of retail and small business loans will remain under pressure due to declining personal repayment ability and decreased market demand [1] - The real estate market is still in a bottoming and stabilizing phase, and the bank will continue to monitor related risks in this sector [1] - Certain industries are experiencing homogenized competition, leading to narrowed profit margins and increased operational differentiation, prompting the bank to keep an eye on the operational status and subsequent risk changes of companies within these industries [1]

Core Insights - In 2025, Bank of Communications achieved a "double growth" in revenue and net profit, with net profit reaching 95.622 billion yuan, a year-on-year increase of 2.18%, and operating revenue of 265.071 billion yuan, up 2.02% [1] - The bank's total assets exceeded 15.5 trillion yuan by the end of 2025, marking a 4.35% increase from the previous year, with an improved asset quality reflected in a non-performing loan ratio of 1.28%, down 0.03 percentage points [1] Financial Performance - The bank's financial technology investment accounted for over 5% of total revenue in 2025, indicating a strong commitment to the tech sector [1] - By the end of 2025, the balance of various loans in domestic RMB reached 8.87 trillion yuan, a growth of 7.88% year-on-year, with manufacturing and private enterprise loans growing faster than the average loan growth [1] Technology and Digital Finance - The balance of technology loans surpassed 1.58 trillion yuan, growing by 10.73% year-on-year, with "specialized, refined, distinctive, and innovative" small and medium-sized enterprise loans and technology-based SME loans increasing by 21.02% and 36.29%, respectively [2] - The bank has enhanced its digital financial framework, launching over 2,500 AI smart assistants to improve marketing, risk control, and business processes [2] Strategic Initiatives - To support Shanghai's development, the bank has provided over 40 billion yuan in loans to key industries such as integrated circuits, biomedicine, and artificial intelligence, covering the entire industrial chain [3] - The bank has established partnerships with 76 major municipal projects and 256 district-level projects in Shanghai, with a loan growth rate exceeding 16% in the region, leading the national market [3]

Group 1 - The core focus of the company is to implement artificial intelligence (AI) as a key breakthrough direction in its 14th Five-Year Plan, aiming for high-quality development and high-level safety through increased resource investment [1] - The company plans to enhance its technological capabilities by applying AI across all areas, including demand analysis, product development, system testing, operational maintenance, and cybersecurity management [1] - The company aims to innovate human-machine collaboration to improve work efficiency and release human productivity by building a digital workforce system [1] Group 2 - The company intends to upgrade its market and customer services by transitioning AI from point applications to comprehensive integration, enhancing product service levels and customer experience [2] - AI will be utilized to convert technical elements, intellectual property, and digital assets into credit assets, optimizing product combinations for clients and providing comprehensive lifecycle services [2] - The company is focused on enhancing intelligent risk management by accelerating AI applications in risk management, improving early identification, warning, exposure, and disposal of risks [2]

Core Viewpoint - The core viewpoint of the article emphasizes that net interest margin management is crucial for the sustainable development and performance improvement of commercial banks, as highlighted by the Vice President of Bank of Communications, Zhou Wanfeng [1] Group 1: Net Interest Margin Management - The Bank of Communications has achieved basic stability in net interest margin through various efforts since last year [1] - There is downward pressure on loan interest rates in the new year, while liability repricing may bring new benefits [1] Group 2: Strategies for Maintaining Net Interest Margin - The bank will focus on strict management of the balance between loan volume and pricing, ensuring accountability across all business lines and operational units [1] - The bank plans to implement refined pricing management for deposits and loans, adhering to pricing self-discipline mechanisms [1] - The bank aims to scientifically optimize the asset-liability structure, dynamically adjusting it based on operational goals, pricing trends, liquidity, and interest rate risk factors [1]