Core Viewpoint - The Bank of Communications Zhejiang Branch is innovating a "12345" technology financial service model to support the development of technology enterprises in Zhejiang Province, aiming for a technology loan balance of nearly 90 billion yuan by the end of 2025, serving nearly 10,000 technology enterprises [1][2]. Group 1: Service Model - The "12345" technology financial service system includes five aspects: "one core and multiple elements, ecological co-construction," "dual-line collaboration, optimizing paths," "three integrations, multi-dimensional customer acquisition," "four loans linkage, safeguarding growth," and "five mechanisms, process reengineering" [1]. - The bank is building a service model centered on technology finance and multi-dimensional collaboration, leveraging various activities to create resource connection platforms [1]. Group 2: Path Optimization - The bank employs a "dual-line collaboration" approach, combining online empowerment with offline deep cultivation, exploring effective service paths for technology enterprises [2]. - The online credit product "Kechuang Zheli Loan" utilizes big data technology to provide credit up to 20 million yuan, with over 500 technology enterprises receiving more than 2.7 billion yuan in credit by the end of 2025 [2]. Group 3: Product System for Technology Enterprises - The bank has established a "four-loan matrix" including first loans, credit loans, medium to long-term loans, and no-repayment renewal loans to address financing challenges faced by technology enterprises [3]. - By the end of 2025, the proportion of credit loans for small technology enterprises increased by 17% compared to the previous year, indicating enhanced financial support for technology enterprises [3]. - The bank has implemented five mechanisms to streamline services for technology enterprises, improving review efficiency through collaborative efforts among customer managers, product managers, and review personnel [3].

Core Viewpoint - The Bank of Communications plans to apply for the cancellation of its private banking license as part of a restructuring effort to enhance its wealth management services and customer service capabilities [1] Group 1: Company Actions - The Bank of Communications has approved a reform of its retail sector structure through a board resolution [1] - The bank is implementing organizational adjustments in accordance with regulatory processes to ensure a smooth transition [1] Group 2: Impact on Services - The existing private banking services, rights, and processes will remain unaffected during this transition [1] - The bank emphasizes its commitment to customer-centric service, aiming to provide higher quality and more efficient financial services [1]

Core Viewpoint - The China Development Forum 2026 focuses on "China's 14th Five-Year Plan: High-Quality Development and Co-Creating New Opportunities" and highlights the role of blockchain technology in addressing challenges in international cross-border trade [1][5]. Group 1: Blockchain Technology in Trade - The "航贸数链" project utilizes blockchain to tackle three major pain points in international trade: information asymmetry, high trust costs, and complex supply chain layers [3][7]. - Data transparency is emphasized as a solution to trust issues, with documents, contracts, and logistics data being stored on the blockchain, ensuring immutability and traceability [8]. - Process penetration is highlighted to enhance efficiency, with the time for verifying offshore trade documents reduced from at least 2 days to 30 minutes, and oil and gas transaction document verification time cut from 6 hours to 10 minutes [8]. Group 2: Collaboration and Market Impact - The project addresses collaboration issues by integrating various stakeholders in the supply chain, leading to smoother operations and reducing common logistical problems [4][8]. - Approximately 300,000 enterprises have joined the platform, with transaction volumes reaching 1 trillion RMB, indicating strong market acceptance [4][8]. - The potential applications of blockchain technology extend beyond cross-border trade to include multimodal transport, large-scale supply chain financing, letters of credit in trade, and innovations in digital currency [9]. Group 3: Insights and Future Directions - The importance of high-level openness for innovation is underscored, suggesting that without such an environment, similar innovations would not emerge [9]. - The integration of cutting-edge technologies is seen as having limitless potential to transform financial operations [9]. - Emphasizing the need for financial services to remain rooted in the real economy, it is noted that without market participants, financial innovations lack rich scenarios for application [9].

Core Viewpoint - The discussion at the China Development Forum highlighted the importance of financial innovation in supporting high-quality development and the role of digital transformation in the financial sector [2]. Group 1: Financial Innovation and Digital Transformation - The financial sector is transitioning from traditional, manual, and factor-driven services to intelligent, data-driven models due to rapid digitalization [2]. - The "航贸数链" project, led by the Bank of Communications and relevant national departments, aims to address issues of information asymmetry and high trust costs in cross-border trade using blockchain technology [3]. Group 2: Solutions Offered by the "航贸数链" Project - Data transparency is enhanced by putting documents, contracts, and logistics data on the blockchain, which prevents tampering and allows for traceability, effectively addressing trust issues [3]. - The project automates and digitizes the entire process of customs, logistics, settlement, and financing, significantly reducing document verification times from at least two days to 30 minutes for offshore trade and from six hours to 10 minutes for oil and gas transactions [4]. - The project improves collaboration among various stakeholders in the supply chain, addressing issues like congestion and delays by integrating business, logistics, information, and financial flows [4]. Group 3: Market Acceptance and Future Prospects - Approximately 300,000 import and export enterprises have joined the platform, with a total transaction amount reaching 1 trillion yuan [4]. - Future expansions of the project may include multimodal transport, bulk supply chain financing, trade credit letters, and innovations in digital currency applications [4]. Group 4: Key Insights from the Project - High-level openness in China is essential for the application of innovation [4]. - The integration of cutting-edge technology and data resources is crucial for delivering practical value to clients [4]. - Maintaining a focus on serving the real economy is vital for financial innovation to be meaningful and effective [4].

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。 中國上海 2026年3月20日 （於中華人民共和國註冊成立的股份有限公司） 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*、 張向東先生 # 、李曉慧女士 # 、馬駿先生 # 、王天澤先生 # 、肖偉先生 # 及劉瑞霞女士 # 。 （股份代號：03328） 公告 變更於香港接受法律程序文件及通知的授權代表 交通銀行股份有限公司（「本行」）謹此宣佈，曹宇青女士（本行香港分行行政總裁） 接替范朝荣先生獲委任為根據香港聯合交易所有限公司證券上市規則第19A.13條 及公司條例（香港法例第622章）第16部規定，代表本行於香港接受法律程序文件 及通知的授權代表，變更自2026年3月20日起生效。於香港向本行送達法律程序 文件及通知的地址為香港中環畢打街二十號會德豐大廈一樓。 承董事會命 交通銀行股份有限公司 何兆斌 ...

Group 1 - The core announcement is that Ms. Cao Yuqing has been appointed as the authorized representative of Bank of Communications in Hong Kong, effective from March 20, 2026, replacing Mr. Fan Zhaorong [1][3][4] - This appointment is in accordance with the Hong Kong Stock Exchange Listing Rules and the Companies Ordinance [1][4] - The address for serving legal documents and notices to the bank in Hong Kong is specified as 1/F, One International Finance Centre, 20, Central, Hong Kong [4]

Group 1 - The core point of the article is the appointment of Cao Yuqing as the new authorized representative of Bank of Communications in Hong Kong, effective from March 20, 2026 [1] - Cao Yuqing will replace Fan Zhaorong in this role, which involves accepting legal documents and notifications on behalf of the bank in Hong Kong [1] - The address for serving legal documents to the bank in Hong Kong is specified as 1/F, Wheelock House, 20 Pedder Street, Central, Hong Kong [1]

Group 1 - The core point of the article is the appointment of Ms. Cao Yuqing as the authorized representative of the Bank of Communications in Hong Kong, effective from March 20, 2026, replacing Mr. Fan Zhaorong [1] Group 2 - Ms. Cao Yuqing is currently the Chief Executive Officer of the Bank's Hong Kong branch [1] - The appointment is in accordance with the Securities Listing Rules of the Hong Kong Stock Exchange and the Companies Ordinance (Cap. 622 of the Laws of Hong Kong) [1] - The change in representation is a procedural update for the bank regarding legal documents and notifications in Hong Kong [1]

承董事會命 交通銀行股份有限公司 何兆斌 公司秘書 中國上海 2026年3月20日 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。 （股份代號：03328） 公告 變更於香港接受法律程序文件及通知的授權代表 交通銀行股份有限公司（「本行」）謹此宣佈，曹宇青女士（本行香港分行行政總裁） 接替范朝荣先生獲委任為根據香港聯合交易所有限公司證券上市規則第19A.13條 及公司條例（香港法例第622章）第16部規定，代表本行於香港接受法律程序文件 及通知的授權代表，變更自2026年3月20日起生效。於香港向本行送達法律程序 文件及通知的地址為香港中環畢打街二十號會德豐大廈一樓。 （於中華人民共和國註冊成立的股份有限公司） 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*、 張向東先生 # 、李曉慧女士 # 、馬駿先生 # 、王天澤先生 # 、肖偉先生 # 及劉瑞霞女 ...

Core Viewpoint - The announcement by Bank of Communications aims to enhance service efficiency and provide more professional personal loan account reminder services through the introduction of five new outbound phone numbers starting from March 23, 2026 [1]. Group 1 - The Bank of Communications has added five new outbound phone numbers for customer service [1]. - The new phone numbers are as follows: 02136348329, 02136348330, 02136348331, 02136348332, and 02136348333 [1]. - The new numbers do not support call-backs, and customers are advised to contact the customer service at 95559 for any inquiries [1].