Core Viewpoint - The company is proposing amendments to its shareholder meeting rules to align with recent regulatory changes and improve corporate governance [1][2]. Group 1: Proposed Amendments - The amendments aim to enhance the governance structure of the company and ensure that shareholders can exercise their rights effectively [2][4]. - The revised rules will ensure that the shareholder meetings operate efficiently, smoothly, and in an orderly manner [2][4]. - The board of directors has approved the proposal, which will be submitted for shareholder approval [1][2]. Group 2: Meeting Agenda - The upcoming shareholder meeting is scheduled for September 25, 2025, at the company's headquarters in Shanghai [1]. - The agenda includes the review of the proposed amendments to the shareholder meeting rules, election of the 11th board of directors, and election of independent directors [1][2]. Group 3: Voting and Procedures - Shareholders can attend the meeting in person or vote online through the Shanghai Stock Exchange's voting system [1]. - The meeting will follow a structured agenda, including a session for shareholder questions and a voting process to determine the outcomes of the proposed resolutions [1][2].

Meeting Overview - The third extraordinary general meeting of shareholders will be held on September 25, 2025 [1] - The meeting will utilize a combination of on-site and online voting methods [1][2] - The online voting system will be provided by the Shanghai Stock Exchange [1][4] Voting Procedures - Voting will be available from 9:15 AM to 3:00 PM on the day of the meeting [1][4] - Specific procedures for margin trading, transfer, and other related accounts must follow the relevant regulations [2] - Shareholders must ensure that their votes do not exceed their entitled voting rights [5] Agenda Items - The meeting will discuss several proposals, including amendments to the company's articles of association and the election of the 11th Board of Directors [3][5] - All proposals have been approved by the company's board and disclosed in major financial newspapers [3] Attendance and Registration - Only A-share shareholders registered by the close of trading on September 17, 2025, are eligible to attend [6] - Registration for attendance requires submission of specific documentation by September 24, 2025 [6] Additional Information - Contact details for inquiries regarding the meeting are provided, including phone and email [7] - Attendees are responsible for their own travel and accommodation expenses [7]

Core Viewpoint - Green finance has become a critical measure of commercial banks' strategic determination and operational capability in the context of promoting new productive forces and achieving "dual carbon" goals in China [2][10]. Group 1: Green Finance Strategy - By 2025, the Bank of Communications Sichuan Branch will prioritize green finance as a core strategic focus, aligning with central bank credit policy directions and setting ambitious green credit development targets [2][3]. - As of June, the Sichuan Branch reported a green credit balance of 22.705 billion yuan, reflecting a growth of over 14% since the beginning of the year, contributing to the construction of a clean energy demonstration province in Sichuan [2][3]. Group 2: Operational Efficiency - The Sichuan Branch has implemented a "battle map" strategy to enhance operational efficiency, achieving a green loan balance of 22.705 billion yuan, with a completion rate of 65.63% for its annual targets [3][4]. - The branch has optimized its organizational structure by integrating various departments to strengthen the collaborative mechanism for green finance, ensuring effective implementation of top-level strategies [4]. Group 3: Innovative Financing Models - A record-breaking syndicate loan of 5 billion yuan was established to support the construction of a 200,000-ton high-purity silicon project, marking a significant milestone in financial support for green development [5][6]. - The Sichuan Branch has also initiated innovative financing solutions for high-altitude photovoltaic projects, securing a 1.5 billion yuan long-term credit line to address challenges in collateral and credit [6]. Group 4: Industry Focus and Expansion - The Sichuan Branch is actively expanding its green finance services by focusing on key industries such as the new energy vehicle and photovoltaic sectors, with a green credit issuance of 1.7 billion yuan for the new energy vehicle industry chain [7][8]. - The branch has developed specialized credit strategies for emerging sectors, including pumped storage and ecological development, enhancing its service offerings in green finance [8]. Group 5: Future Directions - The Sichuan Branch plans to strengthen its green finance business by focusing on policy guidance, expanding into new green sectors, and enhancing the precision of green loan management [9]. - The bank aims to build a robust data foundation and ensure compliance in green credit statistics, while also enhancing professional training to improve staff capabilities in green finance [9][10].

Core Insights - Green finance has become a litmus test for the strategic determination and operational capability of commercial banks in the context of promoting new productive forces and achieving "dual carbon" goals [1][9] - By 2025, the Bank of Communications Sichuan Branch aims to place green finance at the core of its annual development strategy, actively responding to central bank credit policy guidance [1][2] Group 1: Green Finance Development - As of June, the Sichuan Branch's green credit balance reached 22.705 billion yuan, an increase of over 14% from the beginning of the year, contributing to the construction of a clean energy demonstration province in Sichuan [1][2] - The Sichuan Branch has achieved a completion rate of 65.63% for its annual green finance tasks, with a total green loan balance of 22.705 billion yuan, reflecting a growth of 2.825 billion yuan [2][3] Group 2: Organizational Structure and Talent Development - The Sichuan Branch has established a flexible green finance team and a talent pool covering all operational units, enhancing its professional service capabilities in green finance [3][6] - The branch has implemented a "dedicated personnel for dedicated positions" system to ensure precise identification and efficient allocation of green credit [3][6] Group 3: Innovative Financing Models - The Sichuan Branch participated in a record-setting syndicate loan of 5 billion yuan for the Yunnan Tongwei Phase II project, marking a significant collaboration among 17 financial institutions [4][5] - The branch has also provided 1.5 billion yuan in long-term credit for the Litang County photovoltaic project, showcasing innovative financing solutions in high-altitude areas [5][6] Group 4: Strategic Focus and Future Plans - The Sichuan Branch is focusing on integrating green finance with regional development, particularly in the electric vehicle and photovoltaic sectors, to enhance its service offerings [6][7] - Future plans include strengthening policy guidance, expanding green finance initiatives, and enhancing compliance and data management to support high-quality development [8][9]

Group 1: Overall Asset Quality - As of August 31, 2023, the asset quality of 42 listed banks in A-shares shows a stable improvement, with some banks experiencing a slight increase in non-performing loan (NPL) ratios compared to the end of the previous year [1] - The overall NPL ratio for commercial banks was 1.49% at the end of Q2 2023, improving by 0.02 percentage points from the end of Q1 [3] - The provision coverage ratio for state-owned banks and rural commercial banks increased to 249.16% and 161.87%, respectively, while the ratios for joint-stock banks and city commercial banks decreased [4] Group 2: Non-Performing Loan Trends - The NPL ratio for corporate loans is improving, while the NPL ratio for retail loans is on the rise, indicating a structural change in asset quality [5][6] - For example, Industrial and Commercial Bank of China (ICBC) reported a decrease in corporate loan NPL ratio from 1.58% to 1.47%, while the personal loan NPL ratio increased from 1.15% to 1.35% [5] - The rise in retail loan NPLs is attributed to factors such as market conditions, increased flexible employment, and changes in industry environments affecting borrower income [6] Group 3: Real Estate Loan Performance - The real estate sector remains a significant source of NPLs, with some banks reporting an increase in real estate loan NPL ratios, while others have seen improvements [7][8] - For instance, Qingnong Commercial Bank's real estate NPL ratio rose to 21.32%, an increase of 14.15 percentage points from the end of the previous year [7] - The overall decline in real estate sales and the high leverage of real estate companies are fundamental reasons for the rising NPL ratios in this sector [8]

Core Insights - The phenomenon of early mortgage repayment among residents has shown signs of alleviation in the first half of this year [1] - Among 19 listed banks, 5 saw a decrease in personal housing loan balances compared to the end of last year, a significant improvement from 14 banks in the same period last year [1] - The asset quality of personal housing loans has shown mixed results, with 10 out of 14 banks reporting an increase in non-performing loan (NPL) ratios [1][4] Group 1: Loan Balances - The total personal housing loan balance of the six major state-owned banks decreased by over 107.8 billion yuan in the first half of this year, a significant reduction compared to 325.47 billion yuan in the same period last year [3] - The four major banks (ICBC, ABC, BOC, and CCB) collectively reduced their personal housing loans by 132.13 billion yuan, a decrease less than the 347.4 billion yuan drop in the previous year [3] - Among the 10 national joint-stock banks, CITIC Bank led with an increase of 38.436 billion yuan in personal housing loans, while other banks like China Merchants Bank and Minsheng Bank also saw increases exceeding 20 billion yuan [3] Group 2: Asset Quality - In the first half of 2025, the NPL ratios for major state-owned banks increased, with ICBC reporting the highest at 0.86%, while other banks had similar ratios [6] - Among the 11 banks that disclosed personal housing loan asset quality, 9 reported an increase in NPLs, contrasting with the collective increase seen in 2024 [4][6] - Two joint-stock banks, China Merchants Bank and Industrial Bank, achieved a dual decrease in their mortgage loan NPL ratios [6] Group 3: Market Trends - The growth in second-hand housing loans has been significant, with a reported increase of over 20% compared to the previous year, contributing positively to overall loan growth [4] - The overall loan acceptance and issuance volumes for housing loans have significantly improved compared to the same period last year, indicating a more favorable market environment [4]

Core Viewpoint - The personal consumption loan business is becoming a key focus for many banks as they aim to boost consumer spending, with significant growth observed in the first half of 2025, particularly among state-owned banks and city commercial banks [1][2][3]. Group 1: Growth in Personal Consumption Loans - Over half of the banks reported an increase in personal consumption loan amounts, with 25 out of 37 banks showing growth [2]. - Notably, 14 banks increased their consumption loan amounts by over 5 billion yuan, while 11 banks achieved double-digit growth compared to the beginning of the year [2]. - Major state-owned banks like China Construction Bank, Agricultural Bank of China, Bank of Communications, and Bank of China saw increases exceeding 50 billion yuan, with amounts of 862.99 billion yuan, 626.86 billion yuan, 555.38 billion yuan, and 508.67 billion yuan respectively [3]. Group 2: Policy Impact on Consumption Loans - The implementation of the personal consumption loan subsidy policy on September 1 has further stimulated consumer interest, with many banks quickly launching their first subsidy transactions [1][4]. - The process for applying for loan subsidies is straightforward, allowing new customers to complete applications online, and existing customers can also benefit from the subsidy [4]. - The subsidy policy is expected to lower effective interest rates on loans, thereby stimulating consumer demand and enhancing consumption willingness [4]. Group 3: Future Outlook - Experts predict that personal consumption loans and business loans will tap into potential credit demand from residents, supported by favorable fiscal policies [1][3]. - By the end of June 2025, the total personal consumption loan scale is estimated to be around 12.5 trillion yuan, with the potential to generate an additional 1 trillion yuan in credit demand annually [5]. - New policy financial tools are expected to be introduced in the second half of the year, potentially injecting 500 billion yuan to stimulate approximately 4 trillion yuan in credit growth [6].

Group 1 - The core announcement is that Bank of Communications (601328) will hold its third extraordinary general meeting of shareholders on September 25, 2025 [1] - The agenda for the meeting includes the proposal to amend the "Rules of Procedure for Shareholders' Meetings of Bank of Communications Co., Ltd." [1]

（於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條而作出。 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。 茲載列交通銀行股份有限公司於上海證券交易所網站刊登的《交通銀行股份有限 公司2025年第三次臨時股東大會資料》，謹供參閱。 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9月4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 # 。 * 非執行董事 ＃ 獨立非執行董事 交通银行股份有限公司 2025 年第三次临时股东大会 资 料 2025 年 9 月 | | | | 股东大会议程 | 2 | | --- | --- ...

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） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條而作出。 茲載列交通銀行股份有限公司於上海證券交易所網站刊登的《交通銀行股份有限 公司關於召開2025年第三次臨時股東大會的通知》，謹供參閱。 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9月4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 # 。 一、召开会议的基本情况 （一）股东大会类型和届次 2025 年第三次临时股东大会 * 非執行董事 ＃ 獨立非執行董事 股票代码：601328 股票简称：交通银行 编号：临 2 ...