来源：金融一线 3月27日金融一线消息，交通银行今日召开2025年度业绩说明会。执行董事、副行长周万阜指出，交通 银行确定的2026年经营收入的增长目标是要高于去年。 周万阜表示，一是努力通过净息差的稳定向好，通过量价的平衡发展，来实现净利息收入的稳定增长； 二是多渠道的增收，来实现手续费及佣金收入的稳定增长；三是做优配置，做强交易，来实现其他非息 收入的增长；此外，还有一个关键的变量就是保持资产质量的稳定。 ...

Core Viewpoint - The Bank of Communications has outlined its "Valuation Enhancement Plan" for 2025, emphasizing the importance of systematic and regular valuation management across the group to improve market communication and investor relations [1][3]. Group 1: Valuation Enhancement Plan - The bank has established clear responsibilities and principles for valuation management, aiming to ensure that its valuation reflects the underlying business fundamentals [1][3]. - A series of initiatives have been undertaken over the past year to promote stable and reasonable valuation operations [1][3]. Group 2: Investor Engagement - The management team will conduct domestic and international roadshows to communicate the bank's stable performance and predictable investment returns [1][3]. - An investor open day themed "Integrated Services, Deepening the Yangtze River Delta" will be held to showcase the bank's business characteristics and regional development achievements [1][3]. Group 3: Capital Strength and Dividend Policy - The bank successfully completed a targeted issuance of shares to the Ministry of Finance, China Tobacco, and Shuangwei Investment, raising a total of 120 billion yuan, which enhances its capital strength and risk resilience [1][3]. - The bank has maintained a dividend payout ratio of over 30% for 14 consecutive years and plans to distribute dividends for the 2025 fiscal year, reaffirming its commitment to shareholders [2][4].

Core Insights - The core viewpoint of the articles highlights the financial performance and strategic initiatives of Bank of Communications for the year 2025, showcasing growth in assets, profits, and digital transformation efforts. Financial Performance - As of the end of 2025, the total assets of the group exceeded 15.5 trillion yuan, representing a year-on-year growth of 4.35% [1] - The net profit attributable to shareholders reached 95.622 billion yuan, an increase of 2.18% year-on-year [1] - The operating income was 265.071 billion yuan, reflecting a year-on-year growth of 2.02% [1] - The asset quality improved, with a non-performing loan ratio of 1.28%, down by 0.03 percentage points from the previous year [1] - The provision coverage ratio increased to 208.38%, indicating strong risk compensation capacity [1] Loan and Credit Growth - By the end of 2025, the balance of domestic RMB loans was 8.87 trillion yuan, growing by 7.88% compared to the previous year [1] - The bank supported effective investment expansion, with growth in manufacturing and private loans exceeding the average growth rate of all loans [1] - Credit in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Guangdong-Hong Kong-Macau Greater Bay Area increased by 6.59% year-on-year, accounting for approximately 54% of total loans [1] Digital Transformation and Technology Investment - The bank enhanced business scenario applications, increasing the empowerment of "digital employees" in areas such as operational customer service and risk credit [2] - The mobile app services were upgraded, adding localized services and benefits, creating a convenient experience for "financial transactions + life services" [2] - By the end of 2025, the monthly active users of personal mobile banking and the "Buy Now" app reached 57.41 million and 26.64 million, respectively [2] - The financial technology investment accounted for over 5% of total revenue, with an increase in the proportion of financial technology personnel [2] Wealth Management - The bank continued to develop the "Wode Preferred" brand, with its funds and wealth management products outperforming the market average [2] - As of the end of 2025, the retail AUM (Assets Under Management) reached nearly 6 trillion yuan, growing by 8.91% year-on-year [2] - The balance of personal public fund products sold was 230 billion yuan, while the balance of personal wealth management products sold was 1,022.5 billion yuan [2]

Core Viewpoint - The Bank of Communications has successfully achieved its operational goals for 2025, demonstrating a steady and high-quality development trajectory while reinforcing its role as a key player in the financial sector [1] Financial Performance - Total assets reached 15.5 trillion yuan, a 4.35% increase from the previous year [1] - Net profit attributable to shareholders was 95.622 billion yuan, up 2.18% year-on-year [1] - Operating income amounted to 265.071 billion yuan, reflecting a 2.02% growth [1] - Non-performing loan ratio improved to 1.28%, down 0.03 percentage points from the previous year [1] - Provision coverage ratio increased to 208.38%, indicating strong risk mitigation capacity [1] Support for Real Economy - The balance of domestic RMB loans reached 8.87 trillion yuan, growing by 7.88% year-on-year [2] - Loans to manufacturing and private sectors grew faster than the average loan growth [2] - Credit in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Guangdong-Hong Kong-Macao Greater Bay Area increased by 6.59%, accounting for approximately 54% of total loans [2] Technological and Green Finance Initiatives - Technology loans exceeded 1.58 trillion yuan, with a growth rate of 10.73% [2] - Loans to specialized and innovative small and medium-sized enterprises grew by 21.02%, while loans to technology-based SMEs surged by 36.29% [2] - Green loan balance reached 950.825 billion yuan, a 14.16% increase [3] - Issued 30 billion yuan in green financial bonds, with all funds allocated to green industry projects [3] Inclusive Finance and Digital Transformation - Inclusive small and micro loans and agricultural loans grew by 20.76% and 11.99%, respectively [3] - The bank aims to enhance its digital finance capabilities, with over 2,500 AI assistants deployed across various business scenarios [4] - Monthly active users of personal mobile banking and the "Buy Now" app reached 57.41 million and 26.64 million, respectively [5] Wealth and Trade Finance Development - Retail assets under management (AUM) approached 6 trillion yuan, increasing by 8.91% [7] - The bank's industry chain financial business volume reached 676.036 billion yuan, up 9.64% [7] - Cross-border business income grew by 7.61%, with cross-border trade financing increasing by 85.58% [8] Risk Management and Quality Improvement - The bank has enhanced its risk management framework, with a focus on proactive risk prevention [9] - Continuous improvement in asset quality is evident, with a non-performing loan ratio of 1.28% [9] - The bank emphasizes compliance and risk awareness across all levels of the organization [9]

Core Viewpoint - The performance briefing of Bank of Communications for the year 2025 indicates a slight improvement in non-performing loan rates, while also highlighting ongoing challenges in asset quality management, particularly in retail and small business lending [1][2]. Group 1: Loan Quality Metrics - The non-performing loan rate at the end of 2025 is projected to be 1.28%, a decrease of 0.03 percentage points from the previous year [1][2]. - The attention loan rate is expected to be 1.6%, an increase of 0.08 percentage points compared to the end of the previous year [1][2]. - The overdue loan rate is anticipated to be 1.46%, also rising by 0.08 percentage points from the previous year [1][2]. - The annual new non-performing loan rate is expected to remain stable, maintaining below 1% for three consecutive years [1][2]. Group 2: Asset Quality Trends - The bank anticipates facing pressure in asset quality management this year, particularly in retail and small business loans [1][2]. - The real estate market is currently in a stabilization phase, with ongoing monitoring of associated risks [1][2]. - Increased competition in certain industries is leading to reduced profit margins and heightened operational differentiation, which will be closely observed for potential risks [1][2].

Core Viewpoint - The report highlights the financial performance of Bank of Communications for the year 2025, showcasing growth in assets, net profit, and operating income while emphasizing improvements in asset quality and a focus on enhancing services to the real economy [1]. Financial Performance - Total assets of the group exceeded 15.5 trillion yuan, representing a year-on-year growth of 4.35% [1] - The net profit attributable to shareholders reached 95.622 billion yuan, an increase of 2.18% compared to the previous year [1] - Operating income amounted to 265.071 billion yuan, reflecting a year-on-year growth of 2.02% [1] Asset Quality - The non-performing loan ratio stood at 1.28%, a decrease of 0.03 percentage points from the end of the previous year [1] - The provision coverage ratio increased to 208.38%, indicating a strong risk compensation capability [1] Strategic Focus - The bank is concentrating on five major initiatives to enhance service quality for the real economy, with significant growth in domestic RMB loans, technology loans, green loans, and inclusive micro-loans [1] - The bank is accelerating its digital transformation, strengthening its wealth and trade finance features, and deepening cross-border financial services [1] - These efforts are aimed at establishing a solid foundation for the start of the 14th Five-Year Plan [1]

免責聲明 EF002 第 1 頁 共 2 頁 v 1.1.1 | 香港 | | | --- | --- | | 代扣所得稅信息 | | | 股息所涉及的代扣所得稅 | 有待公佈 | | 發行人所發行上市權證/可轉換債券的相關信息 | | | 發行人所發行上市權證/可轉換債券 | 不適用 | | 其他信息 | | | 其他信息 | 不適用 | | 發行人董事 | | | 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*、張向東先生#、李曉慧女士#、馬駿先生#、王天澤先生#、肖偉先生#及劉瑞霞女士#。 | | * 非執行董事 # 獨立非執行董事 | | 第 2 頁 共 2 頁 v 1.1.1 | 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的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 交通銀行 ...

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） 公告 2025年度利潤分配 茲提述交通銀行股份有限公司（「本行」）於2026年3月27日召開的第十一屆董事會 （「董事會」）第六次會議審議通過的2025年度利潤分配方案的議案（「年度利潤分 配」）。 董事會建議，以截至2025年12月31日本行的總股本88,363,784,223股普通股為基 數，向本行登記在冊的H股股東和A股股東，分配現金股利每10股人民幣1.684元 （含稅）（「末期股息」），合共約人民幣148.80億元。年度分配方案須提交將於2026 年6月26日（星期五）召開的2025年度股東會（「2025年度股東會」）審議批准後生 效。 自本公告披露之日起至實施年度利潤分配股權登記日期間，如因可轉債轉股、回 購股份、股權激勵授予股份回購註銷、重大資產重組股份回購註銷等致使本行總 股本發生變動的，本行將維持分配現金股利總額不變 ...

Core Viewpoint - The Bank of Communications has achieved significant growth in its financial performance for the year 2025, demonstrating resilience in a complex external environment while adhering to its commitment to serve the real economy and support national development strategies [1][2][3]. Financial Performance - As of the end of 2025, the total assets of the group exceeded 15.5 trillion yuan, an increase of 4.35% from the previous year [1] - The net profit attributable to shareholders reached 95.622 billion yuan, a year-on-year growth of 2.18% [1] - Operating income was 265.071 billion yuan, reflecting a 2.02% increase compared to the previous year [1] - The non-performing loan ratio stood at 1.28%, down by 0.03 percentage points from the end of the previous year, with a provision coverage ratio of 208.38% [1][9] Loan Growth and Sector Support - The balance of domestic RMB loans reached 8.87 trillion yuan, growing by 7.88% year-on-year, with manufacturing and private sector loans increasing at rates above the average [2] - Loans in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Guangdong-Hong Kong-Macao Greater Bay Area grew by 6.59%, accounting for approximately 54% of total loans [2] Technological and Green Finance Initiatives - The balance of technology loans surpassed 1.58 trillion yuan, increasing by 10.73%, with specialized loans for "specialized, refined, and innovative" SMEs growing by 21.02% [2] - The balance of green loans reached 950.825 billion yuan, a 14.16% increase, with 30 billion yuan raised through green financial bonds for green industry projects [3] Inclusive and Pension Finance - Inclusive micro-loans and agricultural loans grew by 20.76% and 11.99%, respectively, with a focus on providing comprehensive financial services to small and micro enterprises [3] - The balance of loans in the pension industry increased by 49.12%, with significant growth in social security card and personal pension business [4] Digital Finance and Transformation - The bank has made strides in digital finance, with over 5% of total revenue allocated to financial technology investments, and the number of digital employees exceeding 2,500 [6] - Monthly active users of personal mobile banking and related apps reached 57.41 million and 26.64 million, respectively [6] Cross-Border Financial Services - Cross-border financing balance grew by 85.58%, with international settlement volume increasing by 14.55% [8] - The bank actively supports the Belt and Road Initiative, with loans under this framework growing by 27.94% [8] Risk Management - The bank has enhanced its risk management framework, achieving a non-performing loan ratio of 1.28% and implementing a proactive risk prevention strategy [9] - The bank's capital position has improved, ranking 9th among the world's top 1000 banks and being recognized as a globally systemically important bank for three consecutive years [9]

交通銀行股份有限公司 2025 年度可持續發展報告 2026 年 3 月 關於本報告 報告範圍 本報告覆蓋交通銀行股份有限公司及附屬公司。 本報告時間範圍自 2025 年 1 月 1 日至 2025 年 12 月 31 日，發佈週期為年度。部分內 容超出上述範圍。 本行於 2026 年 3 月 27 日發佈《交通銀行股份有限公司 2025 年度可持續發展報告》。 報告編制依據 本報告參照全球可持續發展標準委員會(Global Sustainability Standards Board)發 佈的《GRI(Global Reporting Initiative）Standards 可持續發展報告標準》、上海證券 交易所《上海證券交易所上市公司自律監管指南第 4 號——可持續發展報告編制》《上海證 券交易所上市公司自律監管指引第 14 號——可持續發展報告（試行）》、香港聯合交易所 《環境、社會及管治報告守則》、財政部《企業可持續披露準則——基本準則（試行）》《企 業可持續披露準則第 1 號——氣候（試行）》編寫，同時滿足《關於加強銀行業金融機構社 會責任的意見》《金融機構可持續信息披露指南》《中國銀行業金融機構 ...