股票代码：601328 股票简称：交通银行 编号：临 2025-076 特此公告 交通银行股份有限公司董事会 交通银行股份有限公司 关于变更注册资本的公告 2025 年 12 月 11 日 本行在完成向特定对象发行14,101,057,578股A股股票后，就变更注册资本 事项向国家金融监督管理总局提出了申请。 近日，本行收到《国家金融监督管理总局关于交通银行变更注册资本的批复》 （金复〔2025〕703号），国家金融监督管理总局同意本行注册资本增加 14,101,057,578元人民币，由74,262,726,645元人民币变更为88,363,784,223 元人民币。本行根据批复修订了公司章程相应条款，修订后的《公司章程》全文 请参见上海证券交易所网站（www.sse.com.cn）和本行网站（www.bankcomm.com）。 本行随后将办理注册资本变更登记等相关手续。 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。 ...

Group 1 - Tang Shuo, the business director of the Bank of Communications, has been appointed as a member of the Party Committee of the China Construction Bank [1][11] - Xu Jiming is no longer the deputy secretary of the Party Committee of the Bank of Communications, with adjustments in his roles [3][13] - Wang Guan, the general manager of the personal financial business department, is set to become the new president of the Beijing branch [5][15] Group 2 - As of June 2025, the Bank of Communications has an Asset Under Management (AUM) of 57,925.53 billion yuan, a year-on-year increase of 5.52% [16] - The number of retail customers in domestic banking institutions reached 202 million, growing by 1.30% compared to the previous year [16] - The personal loan balance stood at 28,460.27 billion yuan, reflecting a year-on-year growth of 3.40% [16] Group 3 - Zhang Wei has been appointed as the head of the Audit Supervision Bureau of the Bank of Communications [7][18] - The Audit Supervision Bureau has a two-tier audit supervision system with 1,344 audit personnel, accounting for 1.51% of the total staff [18] - Yu Sang, the general manager of the Asset Protection Department, has been appointed as the deputy secretary of the Party Committee of the Jiao Yin International Trust [8][19] Group 4 - As of June 2025, Jiao Yin International Trust has total assets of 21.122 billion yuan and net assets of 17.249 billion yuan [10][20] - The trust's managed asset scale reached 644.4 billion yuan, with a year-on-year growth of 7.05% [10][20] - The net profit for the first half of the year was 398 million yuan, a decrease of 10.16% compared to the same period last year [10][20]

交通银行公告，本行在完成向特定对象发行14101057578股A股股票后，就变更注册资本事项向国家金 融监督管理总局提出了申请。近日，本行收到《国家金融监督管理总局关于交通银行变更注册资本的批 复》，国家金融监督管理总局同意本行注册资本增加14101057578元人民币，由74262726645元人民币变 更为88363784223元人民币。 ...

交通银行公告称，完成向特定对象发行141.01亿股A股股票后，申请变更注册资本。近日，收到国家金 融监督管理总局批复，同意注册资本增加141.01亿元，由742.63亿元变更为883.64亿元。该行已修订公 司章程相应条款，后续将办理注册资本变更登记等相关手续。 ...

12月4日，第十九届上海金融服务实体经济洽谈会闭幕大会在沪举行，交通银行副行长杨涛作为联合会理事长单位代表出席会议，并与相关金融基础设施 负责人共同启动"全球金融机构走进中国金融市场"系列活动。 交行将切实践行国有大行责任担当，充分发挥上海主场优势，凝聚各方金融力量，为高质量推进上海国际金融中心建设作出更大贡献。 杨涛出席并发表讲话 杨涛表示，交行与广大金融机构深入学习贯彻党的二十届四中全会精神和习近平总书记考察上海重要讲话精神，认真做好金融"五篇大文章"，持续推动各 类金融服务资源下沉产业末梢：贯彻落实党中央战略部署，加力服务上海现代化产业体系建设；大力支持联合会发挥作用，扎实推进普惠金融顾问制度走 深走实；紧密围绕实体企业关切，持续推动科技金融服务创新，为上海"五个中心"建设作出新的更大贡献。 交行会同上海市相关政府部门及主要金融机构，积极支持金洽会"园区行"活动，协同推广普惠金融顾问制度，并推动本行科技金融服务对接各类科创企 业。同时，携手中国外汇交易中心、上海证券交易所、上海期货交易所、中国金融期货交易所、上海黄金交易所、上海清算所共同打造"全球金融机构走 进中国金融市场"系列活动，合力推广各类互联互 ...

Investment Rating - The report maintains a "Buy" rating for the company with a target price raised to 8.58 CNY from the current price of 7.45 CNY [2][6]. Core Insights - The company's revenue and net profit growth rates have been improving quarter by quarter, indicating effective control over interest margins and stable asset quality [2][12]. - The report highlights a focus on high-quality development, prioritizing stable interest margins over mere scale expansion, with core indicators showing continuous improvement after a three-year effort to enhance asset quality [12]. Financial Summary - Revenue for 2023 is projected at 257,595 million CNY, with a slight increase of 0.3% year-on-year. The net profit attributable to shareholders is expected to be 92,728 million CNY, reflecting a 0.7% increase [4]. - For 2025, revenue is estimated to reach 263,638 million CNY, with a growth rate of 1.5%, while net profit is projected at 95,696 million CNY, marking a 2.3% increase [4][13]. - The net interest margin is expected to decrease by 8 basis points to 1.20% year-on-year, with pressures on further declines anticipated but limited downward space [12][13]. Asset Quality - As of Q3 2025, the non-performing loan (NPL) ratio is reported at 1.26%, down 2 basis points from Q2, indicating an improvement in asset quality [12]. - The report notes that the corporate NPL ratio has improved to 1.24%, while the retail NPL ratio has slightly increased to 1.42%, suggesting ongoing challenges in consumer repayment capabilities [12].

一、同意交通银行股份有限公司辽源支行升格为交通银行股份有限公司辽源分行，营业场所为吉林省辽 源市龙山区西宁大路463号。 四、交通银行应自本行政许可决定作出之日起6个月内完成变更并向吉林金融监管局及辽源金融监管分 局报告。未在规定期限内完成变更的，本批复文件失效，由吉林金融监管局办理行政许可注销手续。 2025年12月4日，吉林金融监管局发布批复称，《交通银行吉林省分行关于辽源支行升格为分行的请 示》（交银吉〔2025〕75号）收悉。经审核，现批复如下： 二、该辽源支行升格后业务范围为：经银行保险监督管理机构或其他有行政许可权的机构批准并经上级 机构授权办理的业务。 三、交通银行应自收到本行政许可决定之日起10个工作日内持相关手续到吉林金融监管局换领金融许可 证，并及时到市场监督管理部门办理变更登记手续。 ...

当前，数字经济与实体经济深度融合，产业加速转型升级，企业财资管理面临深刻变革。近年来，国家 政策层面强化对企业财资管理能力的指导与要求。国务院国资委明确推动中央企业加快司库体系建设， 实现资金等金融资源的集约、高效和安全管理。同时，培育新质生产力、提升产业链供应链韧性等战略 导向，亦对企业优化金融资源配置、强化财务管控提出了更高标准。在此进程中，金融服务的赋能作用 日益凸显。 基于对国资监管及市场趋势的深刻洞察，交通银行（简称"交行"）持续深化并完善"蕴通司库"品牌服务 方案。通过"1+3+N"智慧司库服务体系，交行致力于为企业提供场景适配、灵活扩展的综合财资解决方 案，赋能企业提升资金效率、降低财务成本、增强风险韧性，从而为实体经济的高质量发展注入金融动 能。 "N"代表N种产品灵活组合。其中涵盖账户管理、支付结算、资金集中、票据及金融资产管理、全球现 金管理等司库领域重点产品，满足企业多样化需求。例如，支付结算产品提供便捷、高效的资金收付渠 道，资金集中产品助力企业实现资金集中归集与高效调配，票据及金融资产管理产品提供全方位票据管 理和金融资产配置服务，全球现金管理产品为跨国企业提供全球资金可视可控服务等 ...

股票代码：601328 股票简称：交通银行 编号：临2025- 075 交通银行股份有限公司 关于2025年第四次临时股东会召开时间变更的公告 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。 重要内容提示： ■ 二、股东会时间变更原因 三、变更后股东会的有关情况 （一）变更后的现场会议的日期时间 召开的日期时间：2025年12月12日14点00分 （二）变更后的网络投票起止日期和投票时间 网络投票的起止时间：自2025年12月12日 至2025年12月12日 本行于2025年11月20日在上海证券交易所网站（www.sse.com.cn）披露了《交通银行股份有限公司关于 召开2025年第四次临时股东会的通知》（公告编号：临2025-073。现因工作安排原因，调整股东会召开 时间，变更情况说明如下： 原定召开日期时间：2025年12月12日09点30分 变更后召开日期时间：2025年12月12日14点00分 除上述调整事项外，于2025年11月20日公告的原股东会通知其他事项不变。 ...

Core Viewpoint - The banking industry is undergoing a digital transformation driven by artificial intelligence (AI), with China’s Bank of Communications (BoCom) positioning its digital transition as a key strategy for high-quality development [1] Group 1: Digital Transformation Strategy - BoCom has released several strategic plans, including the "14th Five-Year" financial technology development plan and the "Artificial Intelligence+" action plan, to accelerate the establishment of a "digital BoCom" [2] - The bank's technology investment has consistently accounted for over 5% of its operating income over the past three years, with its financial technology talent pool growing from approximately 4,000 to nearly 10,000, representing nearly 10% of the workforce [2] - BoCom has restructured its digital financial infrastructure, significantly increasing its computing power, particularly in intelligent computing, to support the systematic and scalable implementation of AI [2] Group 2: AI Development and Applications - BoCom is building a "super brain" through its "Artificial Intelligence+" strategy, establishing a "1+1+N" AI framework and creating a financial model algorithm matrix worth hundreds of billions [3] - The bank has developed hundreds of application scenarios and digital employees across various fields, including customer service and risk assessment, transforming from human replacement to value creation [3] Group 3: Data Utilization and Innovation - BoCom has established an enterprise-level data service system that connects with national credit platforms and various data institutions, integrating over a hundred national and dozens of regional data types [4] - The bank has pioneered a data asset financing platform in Shenzhen, successfully implementing a project for data intellectual property pledge financing, which has won multiple awards for its innovative approach [4] Group 4: Business Empowerment and Growth - BoCom is leveraging its digital capabilities to enhance service to the real economy, integrating data and AI into core business areas such as technology innovation, cross-border finance, and supply chain [5] - The bank's mobile banking monthly active users have exceeded 53 million, indicating a growing reach of its integrated online and offline service system [5] - BoCom has provided loan support to over 60,000 technology enterprises, with a technology loan balance surpassing 1.5 trillion yuan, and has seen an average growth rate of over 30% in loans to small and micro enterprises [6] Group 5: Regional Innovation and Impact - BoCom's Qingdao branch has developed an industrial internet financial service platform that integrates information, funds, and logistics, significantly improving financing efficiency [7] - The platform has received multiple awards for its innovative impact on regional economic development, demonstrating the effectiveness of BoCom's digital financial initiatives [7]