年终岁末，银行业再次迎来巨额罚单。 12月20日，交通银行因违反多项金融监管规定，被中国人民银行处以合计6783.43万元的罚款，并没收 违法所得23.98万元。企业预警通显示，该罚单创下该行自2010年以来单笔处罚金额的最高纪录。 经查，交通银行主要存在以下12项违规行为：违反账户与清算管理规定；未落实特约商户实名制；违反 反假货币业务管理要求；占压财政存款或资金；违反国库科目设置和使用规定；违反信用信息采集、提 供、查询等相关规定；未按规定履行客户身份识别义务；未按规定保存客户身份资料和交易记录；未按 规定报送大额或可疑交易报告；与身份不明客户交易或开立匿名、假名账户等。 与此同时，该行12名相关责任人员被问责，涉及个人金融、普惠金融、风险管理、授信管理、营运渠 道、法律合规、国际业务、金融机构、网络金融、机构业务及信用卡中心等多个部门。其中，罚款金额 最高达17万元，多人被处以警告并罚款。 罚单不断、屡查屡犯：如何重塑市场信任？ 巨额罚单不仅反映银行的合规漏洞，更深层地影响其品牌声誉与市场公信力。 若将时间轴拉长，交通银行近年频现高额处罚，反映出其在持续合规经营与内控机制建设上仍面临严峻 挑战： 企业预 ...

Core Insights - The Bank of Communications Henan Branch has increased financial support for foreign-related enterprises in response to the call for financial services to the real economy, contributing to the high-quality development of foreign trade [1][2] Group 1: Financial Support Initiatives - The bank has established an account system and launched a cross-border payment system to assist Henan enterprises in their international expansion [1] - Customized comprehensive financial solutions have been provided to a large supply chain enterprise and a high-end technology manufacturing enterprise, facilitating their overseas operations [1] - The bank has helped these enterprises quickly open EF accounts for integrated cross-border currency operations, enhancing flexibility in foreign exchange and financing [1] Group 2: Offshore and Payment Solutions - The bank leverages its offshore business advantages to set up offshore accounts for enterprises, ensuring efficient connection and physical separation of domestic and foreign funds [1] - The implementation of the Renminbi Cross-Border Payment System (CIPS) has been supported, which reduces remittance time and settlement costs while enhancing payment security and compliance [1] Group 3: Future Plans - The Bank of Communications Henan Branch plans to fully utilize its international and comprehensive operational advantages, promoting cross-border fund concentration and other convenient measures to help enterprises optimize their global fund layout [2] - The bank aims to provide solid financial support for Henan Province's deep integration into the new development pattern of domestic and international dual circulation [2]

EF002 免責聲明 | 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 | 交通銀行股份有限公司 | | 股份代號 | 03328 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 建議派發截至2025年6月30日止六個月之中期股息（更新） | | 公告日期 | 2025年12月30日 | | 公告狀態 | 更新公告 | | 更新/撤回理由 | 更新港元派息金額及匯率 | | 股息信息 | | | 股息類型 | 中期（半年期） | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年6月30日 | | 宣派股息 | 每 10 股 1.563 RMB | | 股東批准日期 | 2025年12月12日 | | 香港過戶登記處相關信息 | | ...

(A joint stock company incorporated in the People's Republic of China with limited liability) （於中華人民共和國註冊成立的股份有限公司） (Stock Codes: 股份代號: 03328) DIVIDEND CURRENCY ELECTION FORM FOR 2025 INTERIM CASH DIVIDEND OF RMB1.563 PER 10 SHARES ("2025 INTERIM DIVIDEND") 2025年中期現金股息每10股人民幣1.563元（「2025年中期股息」） 股息貨幣選擇表格 Registered shareholders will automatically receive their 2025 Interim Dividend in Hong Kong dollars unless they elect to receive them in Renminbi. No action is required if you wish to receive your 2025 Inter ...

EF002 EF002 | 灣仔 | | | | | | --- | --- | --- | --- | --- | | 香港 | | | | | | 代扣所得稅信息 | | | | | | 中期股息所適用之代扣所得稅（包括股東類型及適用的稅率）載列於下表。有關進一步 | 詳情，請見本行日期為2025年12月12日的2025年第四次臨時股東會投票表決結果公告。 | | | | | 有關代預扣所得稅之更多補充 | 股東類型 | 稅率 | （如適用） | | | 非居民企業 | 根據有關監管規定，本行向名列於 | | | | | （非中國內地登記地址） | 10% | H股股東名冊上的非居民企業股東 | | | | 派發股息時，有義務代扣代繳企業 | 所得稅，稅率為10%。非居民企業 | | | | | 股東在獲得股息之後，可以根據稅 | 收協定（安排）等相關規定申請辦 | | | | | 理退稅。任何以非個人股東名義， | 包括以香港中央結算（代理人）有 | | | | | 限公司，其他代理人或受託人，或 | 其他組織及團體名義登記的H股股 | | | | | 份皆被視為非居民企業股東所持的 | 股份，其應得之 ...

Core Insights - The article highlights the rapid development of charitable trusts by Bank of Communications, emphasizing their role in connecting finance and philanthropy while ensuring sustainable growth [1][2][4] Group 1: Charitable Trust Development - Since 2025, Bank of Communications has accelerated the establishment of charitable financial products, setting up nearly 30 new products within the year and attracting over 2,300 clients [1] - The bank's "BLUE Balloon" charity brand, launched in 2018, integrates charitable finance into its group strategy, reflecting the growing demand for transparency in charitable projects as residents' GDP per capita increases [2][4] Group 2: Innovative Charitable Financial Products - The bank is exploring the Donor-Advised Fund (DAF) model, which lowers the donation threshold and encourages family participation, enhancing intergenerational legacy [3][5] - A notable project in Zhejiang involved a charitable trust for outstanding teachers, with a scale of 10 million yuan and a duration of 100 years, showcasing the bank's commitment to long-term charitable initiatives [2] Group 3: Expanding Partnerships and Client Engagement - The bank has expanded its partnerships to nearly 50 institutions, including government and educational entities, with over 55% of surveyed clients expressing willingness to continue participating in charitable finance projects [4] - To enhance transparency and efficiency, the bank plans to introduce a charity channel in its app, allowing for small donations and tracking of project progress and fund allocation [5] Group 4: Future Outlook and Trends - The bank aims to extend charitable finance services from private banking to a broader retail customer base, leveraging its extensive client network of over 200 million individuals [5] - The potential for growth in charitable finance is significant, with the bank expecting a substantial increase in project volume and a focus on optimizing service offerings to enhance participant satisfaction [5]

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced a slight decline of 0.31% on December 30, with the Bank of Communications leading the drop [1] - The Shanghai Composite Index closed at 3965.12, showing no change, while the Shenzhen Component Index rose by 0.49% to 13604.07 [1] - The trading performance of individual state-owned banks varied, with Postal Savings Bank gaining 0.37% and Bank of Communications falling by 1.76% [1] Group 2 - The net outflow of main funds from the state-owned large bank sector was 143 million yuan, while retail investors saw a net inflow of 180 million yuan [1] - The detailed fund flow for individual banks showed that Agricultural Bank and Bank of Communications had significant net outflows from main funds, while retail investors contributed positively to their inflows [2] - The data indicates that the main funds were predominantly negative for most banks, with the exception of Industrial and Commercial Bank, which had a net inflow of approximately 533 million yuan from speculative funds [2]

以上情况请您知悉，给您带来不便，敬请谅解。如有其他疑问，请致电交通银行全国统一客服热线 95559。 2025年12月29日，交通银行（601328）发布公告称，根据人民银行的有关要求，2025年12月31日人民银 行的大额支付系统业务受理截止时间为12月31日18:00，2026年1月3日20:30开始正常运行。大额系统关 闭期间，小额及网上支付跨行清算系统均正常运行。为确保资金及时到账，请合理安排您的汇款时间。 ...

Core Insights - The event "Wode Wealth Nationwide Roadshow" was successfully held in Zhengzhou, gathering over 300 guests to discuss macro trends and investment opportunities [1] - The "Wode Wealth" brand, launched by the Bank of Communications in May 2006, has evolved from exclusive services to comprehensive wealth management solutions, including asset allocation, family trusts, cross-border finance, and tax planning [1][4] - The bank aims to deepen its wealth management business and enhance customer trust, especially in the current complex global economic environment [4] Brand Development - The "Wode Wealth" brand has served over 200 million individual customers and manages financial assets totaling nearly 60 trillion yuan [4] - The brand's development philosophy focuses on being customer-centric and adapting to market changes, collaborating with nearly 200 professional asset management institutions [4] Event Purpose - The "Wode Wealth Nationwide Roadshow" aims to increase residents' property income and stimulate consumption, marking an important step in the bank's wealth management business reform [5] - The event serves as a platform for professional financial services to assist in the growth of residents' property income and fulfill social responsibilities in financial education [5] Market Insights - The event featured two market experts who provided insights into the macroeconomic outlook for 2026, focusing on investment opportunities in gold, stock markets, and foreign exchange [8] - The analysis included a systematic review of the economic landscape and policy environment, offering key perspectives for investors [10] - The discussion also covered the impact of geopolitical factors and monetary policies on asset pricing, particularly for safe-haven assets like gold [12] Commitment to Clients - The wealth management team at the Bank of Communications comprises experts from various financial sectors, utilizing rigorous quantitative models to select quality assets for clients [13] - The bank emphasizes investor education and aims to create a rich non-financial ecosystem, including health services and cultural projects, to enhance the overall wealth management experience [13] - The "Wode Wealth Nationwide Roadshow" will continue with over 50 events across the country in the coming months, reinforcing the bank's commitment to wealth management and economic development [13][14]

"财富管理业务是增加居民财产性收入、提振消费、促进共同富裕的重要渠道。"交通银行河南省分行副 行长肖辉在致辞时称，交通银行始终秉持"以客户为中心"的服务理念，与广大客户携手同行，不仅是在 管理资产，更是在守护千万家庭的信任与托付。 肖辉表示，多年来，交通银行坚持践行金融工作的政治性和人民性，通过专业严选和贴心陪伴，打 造"金融+非金融"全场景服务生态。交通银行河南省分行精心筹备本次活动，旨在搭建一个智慧共享的 平台，以专业视野陪伴客户的财富旅程。 交通银行是财富管理行业的先行者，"沃德财富"品牌凝聚着百年交行的底蕴与智慧。据交通银行河南省 分行个金部产品与市场推广经理赵雅琦介绍，交通银行随时关注产品的运营以及机构的投资水平，同时 注重客户陪伴，在选择合作机构的时候，除了看投研能力、产品管理能力，也看重合作机构能否与交通 银行一起穿越周期，坚定地为客户做好服务，实现金融为民的初心。 "交通银行与合作机构携手，为超过2亿个人客户，管理着近6万亿元的金融资产，我们深知肩上承负的 信任与责任。"赵雅琦表示。 指引资产配置航向 ◎记者 马慜 近日，交通银行河南省分行携手德邦基金成功举办"沃野万理·共见未来——沃德财富万 ...