（文章来源：第一财经） 交通银行在港交所公告，2025年第三季度营业收入665.61亿元，同比增长4.23%；归母净利润239.78亿 元，同比增长2.46%。 ...

交通銀行股份有限公司董事會審計委員會工作規則 （2004年7月30日本行第四屆董事會第二次會議通過， 2005年11月18日本行第四屆董事會第十次會議修訂， 2011年8月18日本行第六屆董事會第八次會議修訂， 2012年3月28日本行第六屆董事會第十二次會議修訂， 2014年4月29日本行第七屆董事會第六次會議修訂， 2022年6月28日本行第十屆董事會第一次會議修訂， 2025年10月30日本行第十一屆董事會第二次會議修訂） 第一章 總 則 第一條 為規範交通銀行股份有限公司（下稱本行）董事 會決策機制，完善本行治理結構，根據《中華人民共和國公 司法》、《中華人民共和國商業銀行法》、本行股票上市地證 券監督管理機構及證券交易所的有關規定、《交通銀行股份 有限公司章程》（下稱《章程》）及其他有關法律、行政法規、 規章和規範性文件，制定本工作規則。 第二條 本行董事會設立審計委員會。審計委員會根據 本工作規則和董事會的授權開展工作，對董事會負責，向董 事會報告工作。審計委員會主要負責審核本行財務信息，對 本行內部及外部審計、內部控制等進行監督、檢查和評價， 對董事、高級管理人員執行職務的行為進行監督等。審計委 ...

Core Viewpoint - The president of Bank of Communications, Zhang Baojiang, emphasized the importance of the technology service industry as a high-intelligence and high-value-added segment of the modern industrial system, highlighting the bank's efforts in integrating technological innovation with industrial innovation, with a total financing scale in the technology sector exceeding 1.7 trillion yuan [2]. Group 1: Financial Products and Services - The bank has introduced innovative credit products to address financing challenges in the technology service sector, including the "Kechuang Yidai" product line tailored for different stages of enterprise development [3]. - For startups, the bank has launched the "Jiaoyin Talent Loan" to address funding issues from the initial stage, focusing on the qualifications of core founding teams [3]. - For growing enterprises, the bank offers personalized and intelligent "Technology Scenario Loans" to support rapid development and transformation [3]. - For mature enterprises, a green approval channel for key industries has been established, utilizing both online and offline methods to meet diverse needs [3]. Group 2: Data Empowerment and Business Support - The bank is shifting its focus from static operational data to dynamic business behaviors such as R&D investment and human capital, aiming to evaluate the technological content of enterprises from multiple dimensions [3]. - The "Proactive Credit" service model has been innovated, leveraging big data and privacy computing technologies to accurately assess enterprise needs and pre-calculate credit limits, enhancing the accessibility of financing for businesses [3]. Group 3: Integrated Service System - The bank is leveraging its full financial license advantages to create an integrated service matrix that includes core products such as equity, debt, loans, leasing, and custody, providing over 200 billion yuan in funding support for the technology sector [4]. Group 4: Collaborative Ecosystem Development - The bank is collaborating with the Torch Center of the Ministry of Industry and Information Technology to establish a joint laboratory, focusing on data empowerment, scenario innovation, and ecosystem co-construction, thereby increasing support for high-tech parks, quality incubators, and technology enterprises [4].

集团遵照《商业银行资本管理办法》及相关规定计量资本充足率。报告期末，集团资本充足率 16.13%，一级资本充足率12.83%，核心一级资本充足率11.37%，均满足监管要求。 报告期末，集团不良贷款余额1,145.51亿元，较上年末增加28.74亿元，增幅2.57%；不良贷款率1.26%， 较上年末下降0.05个百分点；拨备覆盖率209.97%，较上年末上升8.03个百分点；拨备率2.65%，较上年 末上升0.01个百分点。 格隆汇10月30日丨交通银行(03328.HK)公布，截至2025年9月30日，集团资产总额154,997.83亿元，较上 年末增长4.02%；负债总额142,083.15亿元，较上年末增长3.37%；股东权益(归属于母公司股 东)12,803.69亿元，较上年末增长11.89%。2025年1-9月，实现净经营收入2,000.59亿元，同比增长 1.86%；实现净利润(归属于母公司股东)699.94亿元，同比增长1.90%；年化平均资产回报率和年化加权 平均净资产收益率分别为0.62%和8.48%，同比分别下降0.03个百分点和下降0.58个百分点。 ...

交通银行公告，2025年第三季度营业收入665亿元，同比增长4.23%，净利润230亿元，同比增长 2.46%。 ...

交通银行前三季度归属于母公司股东的净利润699.94亿元人民币。 ...

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） 2025年三季度業績公告 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9月30日止九個月（「報告期」）的未經審計業績（「三季度業 績」）。本行董事會及其轄下的審計委員會已審閱並確認此三季度業績。本公告乃 根據《證券及期貨條例》（香港法例第571章）第XIVA部及香港聯合交易所有限公 司證券上市規則第13.09條而作出。 一、公司基本情況 | | 股票簡稱 | 股票代號 | 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 ...

Core Points - The article reports that Beijing Zhongke Jiangnan Information Technology Co., Ltd. has won the bid for the financial budget integration system upgrade project of the Henan branch of the Bank of Communications [1][2] - The announcement was made on October 28, 2025, and highlights the company's extensive involvement in investment and bidding projects [1] Company Summary - Beijing Zhongke Jiangnan Information Technology Co., Ltd. has invested in 12 enterprises and participated in 6,870 bidding projects [1] - The company holds 114 trademark registrations, 59 patents, and 161 copyright registrations, indicating a strong intellectual property portfolio [1] - Additionally, the company possesses 7 administrative licenses, showcasing its compliance and operational capabilities [1] Procurement Details - The procurement was conducted by the Bank of Communications, Henan Province branch, indicating a significant partnership in the financial sector [2] - The specific bid amount for the project has not been disclosed in the article [2]

Core Viewpoint - The international gold price has been fluctuating at high levels, leading banks to adjust their precious metal business strategies, particularly by optimizing the minimum investment thresholds for gold accumulation products [1][2]. Group 1: Strategy Adjustments by Banks - Many banks have recently optimized the minimum investment thresholds for gold accumulation products in response to the current high volatility in gold prices and increased market risks [1][4]. - The Bank of Communications has introduced a floating mechanism for its gold accumulation plan, where the minimum investment amount will be adjusted according to real-time gold prices starting from October 27, 2025 [2][3]. - Other banks, including Agricultural Bank of China, have also announced similar adjustments to their gold accumulation products, moving towards a model that reflects real-time market conditions [2][4]. Group 2: Market Trends and Compliance - The floating mechanism linked to real-time gold prices helps avoid frequent manual adjustments and aligns with regulatory requirements, thus enhancing risk management and compliance [3][4]. - Several banks, including ICBC and Bank of China, have raised their minimum investment amounts for gold accumulation products in October, reflecting the need to ensure compliance and manage risks associated with rising gold prices [4][5]. - The increase in minimum investment thresholds is seen as a measure to curb speculative behavior among investors amid rising gold prices [4][6]. Group 3: Investor Education and Risk Management - Banks are also intensifying investor education by issuing risk warnings, advising clients to pay attention to market changes and manage their positions carefully [5][6]. - The combination of adjusting investment thresholds and providing risk warnings is aimed at enhancing risk control while ensuring compliance and protecting consumer rights [6].

Core Viewpoint - The ongoing "return to the nest" reform of village banks, led by main initiating banks, aims to address risks and optimize the financial layout in rural areas, ensuring that financial services remain rooted in local communities and meet the needs of rural residents [1][7][11]. Summary by Sections Village Bank Mergers and Acquisitions - On October 29, three village banks in Shandong were approved for dissolution, with their assets and operations taken over by Qingdao Rural Commercial Bank, marking a significant step in the "village to branch" reform [1][2]. - The day before, six village banks in Sichuan were also absorbed by Chengdu Rural Commercial Bank, indicating a broader trend of consolidation in the sector [2][3]. Background and Rationale - Village banks were established to serve "three rural issues," small and micro enterprises, and county-level economies, filling gaps left by traditional financial institutions. However, many have strayed from their original mission due to weak capital, governance issues, and inadequate risk control [7][11]. - The "village to branch" reform involves the absorption of village banks into their main initiating banks, eliminating their independent legal status and allowing for unified management and operations [7][11]. Strategic Implications - The main initiating banks can leverage their risk management frameworks and capital allocation mechanisms to reduce potential risks associated with village banks, enhancing their overall risk resilience [4][10]. - The consolidation allows main banks to deepen their penetration into rural financial markets by utilizing existing customer bases and branch networks of the absorbed village banks [4][10]. Future Outlook - The reform is expected to continue, with more village banks likely to be integrated into main initiating bank systems, as highlighted by recent regulatory approvals and ongoing discussions in the financial sector [11][12]. - The central government's emphasis on rural financial reform and the need for differentiated strategies for different institutions will be crucial for the success of these reforms [11][12].