关于交通银行股份有限公司 2024 年度 非经营性资金占用及其他关联资金往来情况的专项说明 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 关于交通银行股份有限公司 2024 年度非经营性资金占用及其他关联资金往来情况的专项说明 毕马威华振专字第 2501370 号 交通银行股份有限公司董事会： 我们接受委托，按照中国注册会计师审计准则审计了交通银行股份有限公司（以 下简称"交通银行"）2024 年度的财务报表，包括 2024 年 12 月 31 日的合并资产负债 表和资产负债表，20 ...

交通银行股份有限公司 2024 年 12 月 31 日内部控制审计报告 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 内部控制审计报告 毕马威华振审字第 2501555 号 交通银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计了交 通银行股份有限公司 (以下简称"交通银行") 2024 年 12 月 31 日的财务报告内部控制的有效 性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控 ...

交通银行股份有限公司 自 2024 年 1 月 1 日 至 2024 年 12 月 31 日止年度财务报表 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审计报告 毕马威华振审字第 2501554 号 交通银行股份有限公司全体股东： 一、审计意见 我们审计了后附的交通银行股份有限公司 (以下简称"交通银行") 财务报表，包括 2024 年 12 月 31 日的合并资产负债表和资产负债表，2024 年度的合并利润表和利润表、合并现金 流量表和现金流量表、合并股东权益变动表和股东权益变动 ...

交通银行股份有限公司 2024 年度独立董事述职报告 2024 年，交通银行股份有限公司（以下简称"交行"） 独立董事严格按照《中华人民共和国公司法》《中华人民共 和国证券法》《银行保险机构公司治理准则》《上市公司独立 董事管理办法》《香港联合交易所有限公司证券上市规则》 等境内外法律法规、规范性文件以及《公司章程》等内部制 度规定，遵循高标准的职业道德准则，忠实勤勉履行独立董 事职责，认真出席股东大会、董事会及董事会专门委员会等 会议，并审议各项议案，对重大事项发表独立意见，切实维 护了交行和全体股东的合法权益。以下为交行 2024 年度独 立董事述职报告。 附件：1.石磊独立董事 2024 年度述职报告 2.张向东独立董事 2024 年度述职报告 3.李晓慧独立董事 2024 年度述职报告 4.王天泽独立董事 2024 年度述职报告 5.马骏独立董事 2024 年度述职报告 6.肖伟独立董事 2024 年度述职报告 7.蔡浩仪独立董事（已退任）2024 年度述职报告 1 附件 1 石磊独立董事 2024 年度述职报告 2024 年，本人作为交行独立董事，依法履职、勤勉尽责， 认真出席股东大会、董事会及董事 ...

Financial Performance - Net interest income for the year 2024 reached RMB 169,832 million, an increase of 3.1% compared to RMB 164,123 million in 2023[7] - Net profit attributable to shareholders for 2024 was RMB 93,586 million, a slight increase of 0.9% from RMB 92,728 million in 2023[7] - The pre-tax profit was RMB 103.475 billion, an increase of RMB 3.777 billion, or 3.79% year-on-year[34] - The net profit attributable to shareholders of the parent company was RMB 93.586 billion, a year-on-year increase of 0.93%[33] - Net operating income for 2024 was RMB 260,269 million, slightly up from RMB 258,014 million in 2023, indicating a growth of 0.87%[102] - Pre-tax profit rose to RMB 103,475 million in 2024, compared to RMB 99,698 million in 2023, reflecting an increase of 3.79%[102] Asset and Loan Growth - Total assets at the end of 2024 amounted to RMB 14,900,717 million, representing a growth of 5.9% from RMB 14,060,472 million in 2023[8] - Customer loans increased to RMB 8,555,122 million, up 7.5% from RMB 7,957,085 million in 2023[8] - The total assets of the group reached RMB 14.90 trillion, an increase of 5.98% compared to the end of the previous year[32] - Customer loan balance amounted to RMB 8.56 trillion, increasing by RMB 598.04 billion, a growth of 7.52%[32] - The total loan balance as of December 31, 2024, was RMB 855.51 billion, an increase from RMB 795.71 billion in the previous year[99] Deposit and Funding - The bank's total customer deposits reached RMB 8,800,335 million, an increase of 2.9% from RMB 8,551,215 million in 2023[8] - Customer deposit balance was RMB 8.80 trillion, up by RMB 249.12 billion, a growth of 2.91%[32] - Customer deposits, the primary source of funding, reached RMB 880.03 billion, up RMB 24.91 billion or 2.91% year-on-year, accounting for 64.03% of total liabilities, a decrease of 1.95 percentage points[88] Non-Performing Loans and Asset Quality - The non-performing loan ratio improved to 1.31%, down from 1.33% in the previous year[12] - The provision coverage ratio was 201.94%, an increase of 6.73 percentage points from the end of the previous year[33] - The bank's non-performing loan balance reached CNY 111.68 billion, with a non-performing loan ratio of 1.31%, a decrease of 0.02 percentage points year-on-year[164] - During the reporting period, the bank disposed of non-performing loans amounting to CNY 66.67 billion, a year-on-year increase of 3.0%, with substantial recoveries of CNY 30.38 billion[163] Shareholder Information - The number of ordinary shareholders increased to 261,229 at the end of the reporting period, up from 245,103 as of February 28, 2025[14] - HSBC Holdings plc holds 14,135,636,613 H-shares, representing 19.03% of the total issued shares[22] - The Ministry of Finance of the People's Republic of China owns 13,178,424,446 A-shares, accounting for 17.75% of the total issued shares[17] - The National Social Security Fund holds a total of 12,170,541,195 shares (A and H combined), which is 16.39% of the total issued ordinary shares[16] Financial Ratios - The capital adequacy ratio stood at 16.02%, an increase from 15.27% in 2023[13] - The weighted average return on equity decreased to 9.08% from 9.68% in 2023[12] - The net interest margin for the group was 1.11%, a decrease of 3 basis points year-on-year[48] - The average interest rate on interest-earning assets was 3.37%, down from 3.59% in the previous year[48] Business Operations and Strategy - The company aims to build a world-class banking group with distinctive advantages, focusing on serving the real economy and optimizing financial products and services[104] - The company plans to enhance its analysis of economic and financial conditions to optimize its securities investment strategy[76] - The company aims to improve its liability quality management system to ensure the safety, liquidity, and profitability of its operations[84] - The company established a digital finance committee to enhance decision-making and organization in digital transformation efforts[110] Technology and Digital Transformation - The number of active monthly users (MAU) for the personal mobile banking app reached 55.41 million, representing a 12.84% increase compared to the end of the previous year[151] - The "Cloud Bank" remote video service provided 1.98 million services, a 2.3 times increase year-over-year[152] - The company launched an AI action plan for 2025-2026, establishing a framework for AI capabilities and applications, completing over 100 model scenarios[156] - Financial technology investment amounted to CNY 11.43 billion, accounting for 5.41% of operating income, a decrease of 0.23 percentage points year-over-year[154] Risk Management - The bank's risk management framework emphasizes a unified approach to credit risk management and compliance with regulatory requirements[161] - The group aims to enhance its risk management capabilities, focusing on preventing systemic risks and improving cybersecurity measures[196] - The group conducted regular liquidity risk stress tests, confirming that liquidity risks remain within controllable limits under various stress scenarios[190] Employee and Corporate Governance - The total number of employees at the end of the reporting period was 95,746, with a gender distribution of 45.02% male and 54.98% female[198] - The group emphasizes equal employment and fair compensation, ensuring compliance with regulatory requirements in its compensation policies[199] - Over 40% of performance-based compensation for senior management and key positions will be deferred for at least three years[200]

茲通知交通銀行股份有限公司（「本行」）董事會（「董事會」）將於二零二五年三月 二十一日（星期五）舉行董事會會議，藉以（其中包括）(i)審議及批准本行及其附屬 公司截至二零二四年十二月三十一日止財政年度之年度業績；及(ii)考慮派付末期 股息（如有）。 承董事會命 交通銀行股份有限公司 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通告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本通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) 董事會會議通告 公司秘書 中國上海 2025年3月11日 於本通告發佈之日，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、李龍成先生*、汪林平先生*、常保升先生*、廖宜建先生*、 陳紹宗先生 *、穆國新先生 *、陳俊奎先生 *、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 何兆斌 ...

交通银行股份有限公司 关于召开 2024 年度业绩发布会的公告 交通银行股份有限公司（以下简称"交通银行"或"本公司"）董事会及全体董事保证 本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性 和完整性承担法律责任。 重要内容提示 上海证券交易所上证路演中心 https://roadshow.sseinfo.com/ 全景网同步直播地址 https://rs.p5w.net/html/145554.shtml 投资者如需提问，可于 2025 年 3 月 18 日（星期二）17:00 前将相关问 题发送至本公司投资者关系邮箱 investor@bankcomm.com，或于业绩发布会当日 登录上述直播地址问答区留言。 股票代码：601328 股票简称：交通银行 编号：临 2025-006 （三）网络直播地址： 上证路演中心：https://roadshow.sseinfo.com 全景网：https://rs.p5w.net/html/145554.shtml，或扫描以下二维码 本公司拟于 2025 年 3 月 21 日（星期五）在上海证券交易所网站 （www.sse.com.cn ...

会议支持单位包括赛力斯、长安汽车、重庆建设工业。 根据议程，将举行交通银行百亿授信战略合作签约仪式、具身智能机器人专家委员会揭牌仪式、具身智 能机器人专家委员会委员聘书颁发仪式。 证券时报网讯，为更高质量的推进机器人与智能装备产业的发展，重庆市机器人与智能装备联合会于 2025年2月26日举办"2025具身智能机器人科技产业金融大会暨重庆市机器人与智能装备产业联合会年 会"。 ...

（中央纪委国家监委驻交通银行纪检监察组、浙江省纪委监委） 据中央纪委国家监委驻交通银行纪检监察组、浙江省纪委监委消息：交通银行浙江省分行原资深专家屠 粮钢涉嫌严重违纪违法，目前正接受中央纪委国家监委驻交通银行纪检监察组纪律审查和浙江省绍兴市 监察委员会监察调查。 ...

Group 1 - The core viewpoint of the article is that Bank of Communications has launched an online RMB options business to meet the demand for currency risk management from corporate clients, with the first successful transaction completed by a logistics company in Shenzhen [1] - The online RMB options business allows companies to lock in exchange rates, significantly reducing uncertainty in future payments and enabling them to focus on their core business [1] - The Shenzhen branch of Bank of Communications is committed to continuous innovation and the rollout of online products to efficiently meet the currency risk management needs of corporate clients [2] Group 2 - The logistics company, a medium-sized private enterprise engaged in import trade, faced exchange rate volatility risks due to long payment terms and increased U.S. tariffs [1] - The bank tailored a hedging product solution for the logistics company after understanding its business model and needs, enhancing operational efficiency and saving time and labor costs [1] - The successful online transaction marked a breakthrough for the bank's RMB options business and received high recognition from the client [1]