Core Viewpoint - The Bank of Communications Nanyang Branch is focusing on serving the real economy and actively promoting the development of cross-border RMB business, fulfilling its responsibilities as a state-owned bank [1] Group 1: Business Development - The Nanyang Branch is expanding its cross-border RMB business through targeted strategies, including precise promotion and proactive engagement with key foreign-related enterprises [1] - As of the end of November, the cross-border RMB payment and receipt volume of the Nanyang Branch increased by 200 million yuan compared to the same period last year, significantly enhancing its market share [1] Group 2: Tailored Services - The Nanyang Branch provides refined services to meet the actual needs of enterprises "going out," such as addressing multi-currency financing demands and exchange rate fluctuation risks [1] - A local enterprise successfully financed 200 million yuan from overseas banks through the Nanyang Branch, which helped reduce financial costs and exchange rate risks, benefiting both the enterprise and the bank [1] Group 3: Future Outlook - The Nanyang Branch plans to continue promoting the deepening development of cross-border RMB business in the Nanyang region with an open attitude, innovative products, and efficient services [1]

Core Viewpoint - The Hunan branch of Bank of Communications has been penalized for inadequate loan management and improper financial dealings with clients, resulting in a fine of 1.9 million yuan and the confiscation of illegal gains amounting to 1,757.58 yuan [1] Summary by Categories Regulatory Actions - The Hunan Financial Regulatory Bureau imposed a fine of 1.9 million yuan on the Hunan branch of Bank of Communications for failing to manage loans properly and for employees engaging in abnormal financial transactions with clients [1] - The regulatory body also confiscated illegal gains of 1,757.58 yuan from the bank [1] Responsible Individuals - Warnings were issued to several individuals responsible for the violations, including Gong Qing, Guo Xin, Li Jie, Zhao Yujun, Liao Taotao, and Yang Xiaoxiang [1]

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。 公司秘書 （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 公司第十一屆董事會第四次會議決議公告》，謹供參閱。 承董事會命 交通銀行股份有限公司 何兆斌 中國上海 2025年12月28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*、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 股票代码：601328 股票简称：交通银行 编号：临 2025-080 交通银行股份有限公司 第十一届董事会第四次会议决议公告 交通银行股份有限公司（以下简称 ...

Core Viewpoint - The integration of AI technology in the financial industry is unprecedented, fundamentally reshaping the operational logic and development paradigm of finance [1] Group 1: AI Integration in Finance - The trend of "AI + Finance" is irreversible, and banks must adapt to the future of the intelligent economy by creatively applying new technologies and innovating products and services [1] - Banks should focus on three directions: building a strong technological foundation, leading applications, and innovating operational models to inject intelligent momentum into high-quality development [1] Group 2: Strategic Directions for AI Application - Strengthening infrastructure is crucial for promoting AI applications, requiring coordinated resource investment to solidify the foundation for cloud, data, intelligence, and blockchain [2] - AI technology should be applied at scale, targeting business pain points and focusing on high-value scenarios to create benchmark AI applications that serve the real economy [2] - A shift in mindset is necessary to innovate operational models, emphasizing customer-centric approaches and utilizing dynamic data to provide personalized services [2] Group 3: AI Governance and Talent Development - Strengthening AI governance is essential for ensuring safe, stable, and sustainable development in the financial sector [3] - It is important to combine technological transformation with institutional optimization, establishing suitable systems and mechanisms [3] - Developing a talent pool that combines business insight, technical understanding, and data thinking is critical for bridging the gap between business and technology [3] - The fundamental principle is that humans must remain the key decision-makers in AI applications, ensuring that technology enhances efficiency while maintaining the warmth and responsibility of financial services [3]

Core Insights - The Guangdong branch of Bank of Communications is committed to supporting the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area through innovative financial services and green transformation initiatives [1][2][3]. Financial Services and Innovation - The bank has established a service structure that includes "centers + special teams + technology-focused branches" to enhance support for technology innovation [2]. - A new evaluation model for technology enterprises has been developed, allowing for better identification of innovation capabilities and financing needs, thus expanding financing opportunities for tech companies [2][3]. - The bank's technology enterprise loans increased by 12.8% year-on-year as of November 2025, maintaining a double-digit growth rate over the past three years [3]. Green Finance Initiatives - The bank has launched innovative financial products like "Lychee Loan" to support the agricultural sector, demonstrating its commitment to green finance [4][5]. - A dedicated green finance center has been established, and the bank has initiated several pioneering green financing projects, including loans for the ceramic industry and carbon credit financing [4]. - Green loans increased by approximately 18% year-to-date as of November, contributing to ecological and marine development in Guangdong [5]. Inclusive Finance - The bank has implemented initiatives to enhance financial accessibility, including the "Thousand Enterprises and Ten Thousand Households" outreach program, promoting various loan products tailored for small and micro enterprises [6][7]. - The average annual growth rate of inclusive loans has exceeded 30% over the past three years, providing substantial support to small businesses [7]. Elderly Care and Social Services - The bank has developed "elder-friendly" branches and partnered with social security services to enhance financial accessibility for the elderly [9]. - It has established 50 elder-friendly branches and introduced various financial products aimed at supporting the elderly population [9]. Digital Transformation - The bank has integrated digital services into its operations, deploying over a thousand "Yue Zhi Zhu" government service machines in rural areas to enhance financial service accessibility [10]. - The bank has also collaborated with local electric vehicle manufacturers to create an integrated credit service project, facilitating over 1.4 billion yuan in loans for green transportation [11]. - The application of digital currency is expanding, enhancing consumer experiences in various sectors [11].

交通银行股份有限公司 第十一届董事会第四次会议决议公告 交通银行股份有限公司（以下简称"交通银行"或"本行"）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。 一、董事会会议召开情况 本行第十一届董事会第四次会议于2025年12月26日以现场和视频相结合的方式，在上海和北京召开。本 行于2025年12月16日以书面方式向全体董事发出本次会议通知。会议由任德奇董事长主持,应出席董事 15名，亲自出席董事14名，委托出席董事1名，廖宜建非执行董事书面委托陈绍宗非执行董事出席会议 并代为行使表决权。部分高管列席会议。本次会议的召开符合《中华人民共和国公司法》等法律法规和 《交通银行股份有限公司章程》的规定。 二、董事会会议审议情况 股票代码：601328 股票简称：交通银行 编号：临2025-080 （一）关于修订《交通银行股份有限公司非中管高管考核分配办法》的决议 会议审议批准了《关于修订〈交通银行股份有限公司非中管高管考核分配办法〉的议案》，同意予以施 行。 表决情况：同意15票，反对0票，弃权0票 （二）关于《2024年度董事薪酬方案 ...

Group 1 - The core viewpoint emphasizes the importance of maintaining asset quality in retail credit while promoting consumption initiatives [1] - The company has established a mechanism for the recovery of non-performing retail credit assets, focusing on resolving key risk issues [1] - There is a strong emphasis on post-loan management and the use of risk mitigation tools, including targeted repayment plans and loan restructuring [1] Group 2 - The company is coordinating the use of various disposal tools and resources to enhance the efficiency of non-performing asset management [1] - Ongoing efforts include the use of legal proceedings, write-offs, and asset securitization as part of the asset disposal strategy [1] - The company aims to fully leverage mediation mechanisms to improve the efficiency of non-performing asset resolution [1]

Core Viewpoint - The speech emphasizes the importance of supporting the 85 million disabled individuals in China as a crucial force for modernization and highlights the commitment of the Bank of Communications to social responsibility through financial services aimed at this demographic [1][2] Group 1: Financial Commitment - The Bank of Communications, as a state-owned bank, views caring for the disabled as a key responsibility and mission [1][2] - The bank has adhered to the principle of "finance for good" for 18 years, leading initiatives under the public welfare brand "Towards Tomorrow, Assisting the Disabled to Prosper" [1][2] Group 2: Areas of Focus - The bank collaborates with the China Disabled Persons' Federation to deepen efforts in four main areas: financial services, educational empowerment, employment assistance, and public welfare [1][2] - The aim is to actively build a financial ecosystem that supports the disabled, continuously exploring unique pathways for financial assistance tailored to their needs [1][2]

（文章来源：证券日报） 证券日报网讯 12月26日，交通银行发布公告称，交通银行第十一届董事会第四次会议审议通过《关于 修订的议案》《关于的议案》《关于的议案》等多项议案。 ...

Core Viewpoint - The forum emphasizes the integration of artificial intelligence technology with public welfare, aiming to enhance the quality of public welfare development through technological innovation [2] Group 1: Company Initiatives - China Everbright Bank has been actively involved in supporting the disabled community for 18 years, contributing a total of 130 million yuan in charitable donations, benefiting over 240,000 disabled individuals and workers in the field [3][4] - The bank has developed a comprehensive support system for the disabled, transitioning from targeted charity to multi-dimensional financial services, enabling disabled individuals to integrate into society and share in development benefits [3][4] - The bank has launched 17 specialized financial service projects tailored for the disabled, including industry chain finance, cross-border finance, and digital currency wallets, to support the successful hosting of the National Special Olympics [4][6] Group 2: Educational Empowerment - Since 2007, the bank has collaborated with the China Disabled Persons' Federation to initiate the "Towards Tomorrow" scholarship program, aiding over 37,000 impoverished disabled students and improving conditions in 126 special education schools [5][6] - The bank has established the "Traffic Bank Special Education Teacher Award" to support special education training and competitions, benefiting over 50,000 disabled individuals and workers in the sector [5][6] Group 3: Employment Support - The bank has created a support system focusing on education, employment assistance, and competition to enhance the employability of disabled individuals, leading to the training of over 8,800 special education teachers and the recognition of 69 high-skilled disabled talents [6][7] - The "Beautiful Workshop" project has been funded for three consecutive years, providing employment skills training for disabled women and achieving significant sales during exhibitions [6][7] Group 4: Community Engagement - The bank has supported various community projects, including the renovation of homes for severely disabled individuals affected by earthquakes, benefiting 100 families [7][8] - The bank has also sponsored performances by the China Disabled Persons' Art Troupe, promoting social understanding and respect for disabled individuals [7][8] Group 5: Future Commitments - The bank aims to continue its strategic cooperation with the China Disabled Persons' Federation, focusing on comprehensive support for disabled individuals throughout their life stages [8][9] - The bank plans to develop more tailored financial products and services for disabled individuals and organizations, ensuring accessible and warm financial services nationwide [9]