交通银行股份有限公司 第十一届董事会第五次会议决议公告 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 股票代码：601328 股票简称：交通银行 编号：临2026-002 本行第十一届董事会第五次会议于 2026 年 2 月 27 日以现场和视频相结合的 方式，在上海、香港和北京召开。本行于 2026 年 2 月 2 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 15 名。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 （一）关于 2026 年度经营计划的决议 会议审议批准了《关于 2026 年度经营计划的议案》。 表决情况：同意 15 票，反对 0 票，弃权 0 票 （二）关于聘任刘建军先生为首席合规官的决议 会议审议批准了《关于聘任刘建军先生为首席合规官的议案》。同意聘任首 席风险官刘建军先生兼任首席合规 ...

Core Viewpoint - The recent loan of 200 million yuan from Bank of Communications to Huaihua International Land Port supports the construction of a modern logistics distribution center, emphasizing the bank's commitment to green finance and sustainable development [1][2]. Group 1: Financial Support and Initiatives - Bank of Communications Huaihua Branch efficiently provided a 200 million yuan fixed asset loan to Huaihua International Land Port, addressing the funding gap for project construction in less than three working days [1]. - The bank has allocated 100 million yuan in credit to nearly 40 small and micro enterprises within the core area of Huaihua International Land Port, along with operational loans for over 100 individual businesses [2]. - The introduction of an online micro-loan product with a dedicated green channel has reduced approval times by over 30%, facilitating quicker access to financial resources for businesses [2]. Group 2: Economic Impact and Future Plans - Huaihua's local products, such as tea and oranges, are gaining international market traction, showcasing the effectiveness of financial support in enhancing export capabilities [2]. - The bank aims to continue providing comprehensive financial services, including cross-border finance, industry funds, project financing, and green finance, to support Huaihua's development as a regional center [2].

文章称，从个股表现来看，2025蛇年共有32只银行股飘红，涨幅TOP3为青岛银行、厦门银行、农 业银行，涨幅均在30%以上；涨幅垫底的是光大银行、北京银行、华夏银行，最大跌幅超过10%。 (责任编辑：关婧) 标签： 交通 交通银行 市值 华夏银行 北京银行 【资料图】 中国经济网北京2月25日讯 第一财经近日发布文章《蛇年收官！银行股14万亿市值背后几家欢喜几 家愁》。文章称，2025蛇年，共有10只银行股飘绿。聚焦国有大行，虽然板块轮动背景下各大行股价均 有不同程度回调，但全年有4只飘红，邮储银行、交通银行收跌。 图表显示，交通银行蛇年股价跌幅3.74%，居国有行跌幅第一，居A股42只银行股跌幅第五。 ...

| | 漆肤味 | 区间涨跌幅 | △酸市值(含限售股) | 总市值1 | | --- | --- | --- | --- | --- | | 银行 | 最新收盘日 | 20250205 至今 | 最新收盘日 | 最新收盘日 | | | (%) | (%) | (亿元) | (亿元) | | 青岛银行 | -1.99 | 39.37 | 191.59 | 281.74 | | 厦门银行 | -1.60 | 38.36 | 194.24 | 194.24 | | 农业银行 | -1.51 | 30.86 | 20782,80 | 22259.30 | | 宁波银行 | -0.54 | 23.52 | 2060.32 | 2060.32 | | 重庆银行 | -0.20 | 17.45 | 193.54 | 304.15 | | 张家港行 | -0.86 | 16.17 | 113.17 | 113.17 | | 渝农商行 | -0.89 | 15.41 | 588.10 | 724.00 | | 中信银行 | -0.94 | 15.37 | 2992.00 | 3961.87 | | 长沙银行 | -1.00 ...

Core Viewpoint - The article highlights the innovative financial service of trademark intellectual property pledge by the Bank of Communications, which supports local enterprises like Bangye Food in securing funding for their operations, particularly during peak seasons like the Spring Festival [1][2]. Group 1: Company Overview - Bangye Food, located in Xiangxi, Hunan, is recognized as a benchmark enterprise in the local cured meat industry, known for its authentic flavor and quality [1]. - The company faces high demands for quality pork raw materials to ensure stable supply, necessitating significant financial resources for procurement [1]. Group 2: Financial Innovation - The Bank of Communications has introduced a financial service model that utilizes trademark intellectual property pledges, allowing companies to convert brand value into liquid capital [3]. - This model shifts the focus from traditional hard asset collateral to the dynamic monitoring of brand performance and legal status of trademarks, enhancing risk management [3]. Group 3: Market Demand and Challenges - Small and micro enterprises, particularly in agriculture, exhibit concentrated and short-term financing needs during peak sales periods, focusing on raw material procurement, production costs, marketing, and emergency funds [2]. - The financial innovation aims to address these challenges by breaking away from traditional collateral requirements and aligning with the unique characteristics of local industries [2]. Group 4: Policy Support and Broader Implications - The Chinese government has been promoting the strengthening of intellectual property rights, providing policy support for financing through geographical indications and trademarks, which can stimulate local economies [4]. - Successful examples include the financing of geographical indication products, demonstrating the potential for local specialties to gain broader market access through brand recognition and financial backing [4][5]. Group 5: Future Prospects - The trademark intellectual property pledge financing model is expected to enhance the brand reputation and market acceptance of local products, enabling them to integrate into the national market more effectively [5]. - This approach can help local products overcome regional limitations and foster a more cohesive national consumer market [5].

Core Viewpoint - The People's Bank of China, Shandong Branch, has imposed administrative penalties on the Shandong Branch of Bank of Communications for various violations, resulting in a warning, public criticism, and a fine of 1.742 million yuan [1][2]. Summary by Categories Violations - The Shandong Branch of Bank of Communications violated financial statistical regulations [2][3]. - The bank also breached account management regulations [2][4]. - Data security management regulations were not adhered to by the bank [2][6]. - The bank violated regulations regarding the circulation of Renminbi [2][6]. - The bank was found to have occupied fiscal funds [2][6]. - There were violations related to the provision of credit information [2][6]. - The bank failed to conduct customer due diligence as required [2][6]. - The bank did not report suspicious transactions as mandated [2][6]. - Services were provided to unidentified clients, and transactions were conducted with them [2][6].

Core Viewpoint - The construction of Hainan Free Trade Port is driving a growing demand for high-level, international, and diversified social services, particularly in the area of elderly financial services, which is crucial for the financial industry to contribute to social welfare [1] Group 1: Financial Support for Elderly Services - The Bank of Communications Hainan Branch is focusing on financial support for the elderly care industry, aligning with Hainan's strategy to develop an international tourism consumption center and health industry [2] - The bank has developed specific credit policies and innovative financial products, such as "Hui Lao Exhibition Loan" and "Hui Lao Assistance Loan," to address the capital investment and operational funding needs of elderly care institutions [2] - The bank is leveraging fintech solutions to provide online financing services for small and micro enterprises in the elderly care sector, addressing the challenges of high financing costs and access to capital [2][3] Group 2: Community Engagement and Cultural Activities - The bank has established the "Silver Age Club" to create a cultural and social platform for the elderly, offering various activities such as calligraphy and health lectures [4][6] - Since its launch, the "Silver Age Club" has served over 450 elderly clients, fostering learning and social connections among participants [6] Group 3: Customized Wealth Planning - The bank has formed a professional investment research team to provide tailored wealth planning services for elderly clients, considering their unique financial situations and retirement goals [7][8] - The bank has successfully provided customized retirement wealth planning services to over 2,000 clients, with a steady growth in managed retirement assets [8] Group 4: Elderly-Friendly Banking Services - The bank has upgraded its physical service channels to create "elderly-friendly branches," enhancing the service experience for older customers [9] - The bank's digital services, such as the "Caring Version" of mobile banking and online video services, are designed to help elderly clients navigate digital banking more easily [11]

（编辑 楚丽君） 证券日报网讯 2月13日，交通银行在互动平台回答投资者提问时表示，2025年前三季度交行营收及净利 润均实现正增长，增幅较上半年进一步提升。主要驱动因素包括：一是作为营收"基本盘"的利息净收入 保持稳定增长，公司加大服务实体经济支持力度，同时强化大类资产负债配置，优化存贷款业务结构， 利息净收入同比增长1.46%，增幅较上半年提升0.26个百分点。二是非利息净收入表现整体向好。前三 季度集团手续费及佣金净收入、投资估值及汇兑损益收入均实现增长，趋势优于上半年水平。三是资产 质量继续保持稳健。近年来公司持续夯实资产质量，同时坚持合理计提拨备，具有充分的风险抵御和损 失吸收能力。9月末，集团不良贷款率（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。 ...

Group 1 - The inbound consumption market is heating up ahead of the Spring Festival, prompting the Bank of Communications to enhance financial services and payment channels to unlock consumption potential [1] - The Qingdao branch of the Bank of Communications set up a service booth at the "International Friends @ Qingdao" event, offering the "Qingdao Pass" digital RMB wallet for tourists, facilitating payments across various scenarios such as public transport and shopping [1] - Foreign tourists have expressed satisfaction with the simplicity of using the digital RMB, eliminating concerns about account binding and internet connectivity [1] Group 2 - The Shanghai branch of the Bank of Communications focuses on providing convenient foreign currency exchange services to meet the payment needs of foreign tourists, strategically placing currency exchange machines in high-frequency consumption areas [2] - A case was highlighted where a German tourist successfully used the bank's currency exchange machine to convert euros to RMB when facing payment issues at a hotel [2] - The Bank of Communications has made it easier for foreign visitors to open accounts at all branches, enhancing personal account service levels to meet the needs of short-term visitors [2]

Core Viewpoint - The China Banking and Insurance Regulatory Commission has imposed multiple fines on the Bank of Communications for various violations, indicating ongoing regulatory scrutiny and compliance issues within the bank's operations across different regions in China [1][2][3][4][5][6]. Summary by Document - **Document 1**: The Chongqing Regulatory Bureau fined the Bank of Communications Chongqing Branch 1.9 million yuan for imprudent management of loan and related business practices, with warnings issued to responsible individuals [1]. - **Document 2**: The Shandong Provincial Branch of the People's Bank of China fined the Bank of Communications Shandong Branch 1.742 million yuan for multiple violations, including failure to conduct customer due diligence and report suspicious transactions [2]. - **Document 3**: The Shaanxi Regulatory Bureau fined the Bank of Communications Shaanxi Branch 2.53 million yuan for imprudent loan issuance and inadequate management of credit facilities, with warnings issued to several responsible personnel [3]. - **Document 4**: The Jinhua Branch of the People's Bank of China fined the Bank of Communications Jinhua Branch 1.0425 million yuan for various regulatory violations, including failure to perform customer identity verification [4]. - **Document 5**: The Shanghai Regulatory Bureau imposed fines totaling approximately 6.12 million yuan on the Bank of Communications Shanghai Branch for severe violations of prudent management rules in loan issuance and classification [5]. - **Document 6**: The Fujian Regulatory Bureau fined the Bank of Communications Fujian Branch 750,000 yuan for inadequate management of operating loans and insufficient due diligence in loan processes [6]. - **Document 7**: Since January, the Bank of Communications has received a total of 13 fines, highlighting a pattern of regulatory non-compliance across its branches [6].