FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年12月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 交通銀行股份有限公司 呈交日期: 2026年1月2日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03328 | 說明 | H股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 35,011,862,630 | RMB | | 1 | RMB | | 35,011,862,630 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 35,011,862,630 | RMB | | | 1 RMB | | 35,011,862,630 ...

Core Viewpoint - In 2025, the A-share banking sector index increased by 12%, with significant fluctuations throughout the year, including a strong performance in the first half, a pullback in the third quarter, and a recovery in the fourth quarter [1] Group 1: Overall Market Performance - The A-share banking sector index saw a cumulative increase of 12% in 2025 [1] - Agricultural Bank of China (ABC) stood out with a stock price increase of over 52.66%, making it the highest-performing bank in terms of stock price growth [1] - By the end of 2025, six banks had stock price increases exceeding 20%, including ABC, Xiamen Bank, Shanghai Pudong Development Bank, Chongqing Bank, Industrial and Commercial Bank of China (ICBC), and Ningbo Bank [1] Group 2: Market Capitalization - By the end of 2025, ABC's A-share market capitalization surpassed that of ICBC, making it the highest market capitalization bank in A-shares, although ICBC still held a higher total market capitalization when including H-shares [1] - The total market capitalization rankings of the six major state-owned banks were led by ICBC (2.63 trillion yuan), followed closely by ABC (2.61 trillion yuan) [3] Group 3: Valuation Metrics - ABC's price-to-book (PB) ratio exceeded 1 for the first time, breaking the long-standing trend of state-owned banks trading below book value, which contributed to the overall valuation recovery of A-share listed banks [3] - The PB ratio for ABC was reported at 1.00, indicating a significant improvement in its market valuation [2] Group 4: Growth Drivers - The recovery of ABC's PB ratio is attributed to the potential release of county-level business opportunities amid urban-rural integration, which is expected to drive credit growth more significantly than its peers [4] - The bank benefits from lower liability costs and superior asset quality in the county financial sector, supporting steady growth in asset scale and profitability [4]

Group 1 - The core stock price of Bank of Communications (601328) closed at 7.22 yuan on December 26, 2025, down 2.83% from the previous week's closing price of 7.43 yuan [1] - The highest intraday price for the bank on December 23 was 7.47 yuan, while the lowest intraday price on December 26 was 7.16 yuan [1] - The current total market capitalization of Bank of Communications is 640.637 billion yuan, ranking 6th among state-owned large banks and 22nd among 5,181 A-shares in the market [1] Group 2 - Bank of Communications announced a proposed interim dividend of 1.563 yuan per share for the six months ending June 30, 2025, equivalent to 1.729253 Hong Kong dollars [2][3] - The approval date for shareholders was December 12, 2025, with the ex-dividend date set for December 17, 2025, and the record date on December 24, 2025 [2][3] - The dividend payment date is scheduled for January 28, 2026, with a tax rate of 20% for Hong Kong Stock Connect investors and 10% for non-resident enterprises and non-individual residents [2][3]

Group 1 - The six major state-owned banks in China announced that starting from January 1, 2026, they will pay interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, which is currently set at 0.05% [1] - This move makes China the first economy to offer interest on central bank digital currency [1]

今天，数字人民币正式迈入"计息"时代，用户实名钱包里的余额能"钱生钱"了。 图片截取自工商银行官方网站 六大行集体官宣 图片截取自农业银行官方网站 2025年12月31日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行集体发布关于数字 人民币重磅公告。公告称，自2026年1月1日（含）起，将为客户开立在该行的数字人民币实名钱包余 额，按照活期存款挂牌利率计付利息，计结息规则与活期存款一致。 这意味着，存放在这些钱包里的数字人民币，将和传统银行活期存款一样，开始产生收益。目前，几家 大行官网显示的活期存款挂牌利率为0.05%。 图片截取自工商银行官方网站 值得注意的是，并非所有数字人民币钱包都能享受计息。 数字人民币现金型1.0版迈入存款货币型2.0版，一大变化点是由央行对客户负债，变成了商业银行对客 户负债。为何会出现这一变化？ 中国人民银行党委委员、副行长陆磊在撰文中指出，数字现金作为中央银行对公众的负债，理论上不需 要商业银行等金融机构参与运营维护。但是在研发试点中，数字现金与流通中纸币的权责关系存在明显 差异。商业银行是数字钱包开立、场景开发和技术维护不可或缺的运营者，其服务伴随数字现金流通 ...

业内人士指出，对数字人民币钱包余额计付利息后，中国将成为首个为央行数字货币计息的经济体。 2025年12月31日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六大国有行接连发 布公告，自2026年1月1日起，将为数字人民币实名钱包余额按照活期存款挂牌利率计付利息，计结息规 则与活期存款一致。 六大国有行集体官宣 根据六大国有行公告，客户开设的数字人民币实名钱包（包含一类、二类、三类个人钱包和单位钱包） 余额，将按照该行公布的活期存款挂牌利率计付利息。券商中国记者梳理六大行官网发现，当前活期存 款挂牌利率为0.05%。 其中，建设银行、交通银行公告指出，如客户开立的数字人民币钱包为四类个人钱包，则钱包内的余额 不计付利息。 数字人民币大消息！ 董希淼指出，对商业银行而言，数字人民币存款可以成为银行可运用的资金来源，银行商业推广的内在 动力将增强；银行还可以围绕计息数字钱包开发更多存款、理财及信贷产品，进一步打造"支付+金 融"的综合生态。 数字人民币使用场景再拓展 近日，中国人民银行出台了《关于进一步加强数字人民币管理服务体系和相关金融基础设施建设的行动 方案》（简称《行动方案》），新一代数字人民 ...

Core Viewpoint - Starting from January 1, 2026, six major state-owned banks in China will pay interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, marking China as the first economy to offer interest on central bank digital currency [1][2][5]. Group 1: Announcement from Major Banks - The six major state-owned banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China [1][3]. - The current interest rate for current deposits is 0.05% [3]. - Only real-name digital RMB wallets (categories one, two, and three) will earn interest, while category four wallets, which are non-real-name and used for anonymous payments, will not [3][4]. Group 2: Digital RMB Usage and Statistics - As of November 2025, digital RMB has processed 3.48 billion transactions with a total transaction amount of 16.7 trillion yuan [4]. - There are 230 million personal digital RMB wallets and 18.84 million unit wallets opened [4]. - The cross-border payment business using digital RMB has processed 4,047 transactions, amounting to approximately 387.2 billion yuan, with digital RMB accounting for about 95.3% of the transaction volume in various currencies [4]. Group 3: Expansion of Digital RMB Scenarios - The People's Bank of China has introduced an action plan to enhance the management and service system for digital RMB, which will officially start on January 1, 2026 [5]. - The plan allows banks to manage digital RMB wallet balances similarly to deposits, providing the same level of security as traditional deposits [5][6]. - The interest payment on digital RMB wallets is expected to increase user willingness to adopt digital RMB and expand its usage scenarios, reinforcing China's leading position in the global exploration of central bank digital currencies [5][6]. Group 4: Implications for Users and Banks - Users will benefit from interest on their digital RMB wallets, similar to current deposits, which is expected to enhance their holding willingness [6]. - The interest incentive and improved ecosystem will encourage more merchants to accept digital RMB, enriching payment scenarios [6]. - For commercial banks, digital RMB deposits can become a source of usable funds, enhancing their promotional efforts and allowing for the development of new financial products [6].

转自｜央视财经 来源：哈密零距离 中国邮政储蓄银行研究员娄飞鹏介绍，四类钱包是数字人民币个人非实名钱包，仅需手机号验证开通， 不绑定银行卡，属匿名性质，多用于小额匿名支付场景。实名钱包（一、二、三类）则需不同程度身份 核验。相关公告限定，凸显了对实名制与金融安全的强化要求。娄飞鹏提示，对消费者而言，需要确定 钱包类型，了解计息规则，注意钱包限额与资金安全。 2025年12月31日，工商银行、农业银行、建设银行、交通银行、邮储银行发布公告，自2026年1月1日 起，为数字人民币实名钱包余额按照活期存款挂牌利率计付利息，计结息规则与活期存款一致。 此外，建设银行公告不含四类钱包；交通银行发布的公告称，如客户开立的数字人民币钱包为四类个人 钱包，则钱包内的余额不计付利息。 ...

Core Viewpoint - The People's Bank of China (PBOC) announces the transition of digital RMB from the "digital cash era" to the "digital deposit currency era" after ten years of research and pilot programs [1] Group 1: Digital RMB Development - The PBOC's new action plan will officially implement on January 1, 2026, introducing a new measurement framework, management system, operational mechanism, and ecosystem for digital RMB [1] - Major banks including Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank will start paying interest on digital RMB wallet balances at the same rate as current deposit rates from January 1, 2026 [1] Group 2: Interest Mechanism - The introduction of an interest mechanism for digital RMB wallet balances is a significant highlight of the new action plan, aligning it with traditional savings accounts [1]

2025年12月31日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六大国有银行同时公告，自2026 年1月1日起，客户开立的数字人民币实名钱包中的余额将按活期存款计息。 据官网公示，当前六大国有行活期存款挂牌利率均为0.05%。 数字人民币是由中国人民银行发行的法定数字货币，可用于交通出行、餐饮娱乐、购物消费、生活缴费等场景。 公开资料显示，经过多年探索与实践，数字人民币试点范围已从最初的部分重点城市逐步拓展至全省（自治区）层 面，包括北京、天津、上海、重庆等直辖市在内，广东省、江苏省、浙江省、山东省、河北省、四川省、海南省等省 份已宣布开展全省试点。 日前，中国人民银行党委委员、副行长陆磊公开发文指出，中国人民银行出台了《关于进一步加强数字人民币管理服 务体系和相关金融基础设施建设的行动方案》（以下简称《行动方案》），并自2026年1月1日起实施。根据《行动方 案》部署，银行机构将为客户实名数字人民币钱包余额计付利息，数字人民币纳入存款保险范畴，与存款享有同等安 全保障。 值得注意的是，根据个人申请开立数字人民币钱包时身份实名程度不同，目前数字人民币钱包分成一至四类，实名程 度依次降低。其中 ...