关于召开 2025 年三季度业绩说明会的公告 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 本行将于 2025 年 10 月 30 日（星期四）在上海证券交易所网站 股票代码：601328 股票简称：交通银行 编号：临 2025-068 交通银行股份有限公司 （www.sse.com.cn）和本行网站（www.bankcomm.com）披露 2025 年第三季度报 告。为便于广大投资者更全面深入了解本行 2025 年前三季度经营情况，本行拟 于 2025 年 11 月 7 日下午 15:00-16:00 召开业绩说明会，就投资者普遍关注的问 题进行交流。 （一）会议召开时间：2025 年 11 月 7 日（星期五）15:00-16:00。 （二）本行出席人员：副行长周万阜先生和董事会秘书何兆斌先生。 （三）网络互动地址:全景路演（https://rs.p5w.net/html/176102622472 649.shtml）或扫描以下二维码。 三、投资者参与方式 ...

Core Points - The Bank of Communications announced adjustments to its precious metals wallet business in response to market changes and regulatory requirements from the People's Bank of China [1] - Starting from October 27, 2025, the minimum amount for the precious metals wallet accumulation plan will be adjusted to fluctuate with gold prices, requiring the accumulation amount to be greater than or equal to the real-time gold price [1] - Existing accumulation plans that were successfully set up prior to the adjustment will remain unaffected, while new, modified, or resumed plans must comply with the new minimum amount requirements [1]

三、交通银行应督促上述核准任职资格人员持续学习和掌握经济金融有关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准徐立威交通银行股份有限公司茂名分行副行长的任职资格。 二、交通银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自交通银行政许可决 定作出之日起3个月内到任，并按要求在到任后10日内报告到任情况。未在上述规定期限内到任的，本 批复文件失效，由决定机关办理行政许可注销手续。 2025年10月22日，茂名金融监管分局发布批复称，《交通银行广东省分行关于审核徐立威任职资格的请 示》（交银粤〔2025〕95号）收悉。经审核，现批复如下： ...

Core Insights - The core viewpoint of the news is that Bank of Communications has launched the "Yun Tong Guan Zhang" brand service plan, focusing on corporate payment and settlement scenarios to address pain points such as complex settlement tools, low reconciliation efficiency, and difficult fund supervision, thereby upgrading from a traditional service provider to a scene ecosystem enabler [1][2]. Group 1: Conceptual Innovation - The integration of business and finance is positioned as a new engine driving integrated management upgrades, responding to the higher demands for financial services in the digital economy [2]. - The "Yun Tong" financial brand system introduces the "Yun Tong Guan Zhang" sub-brand, emphasizing data-driven management across "scene, customer, account, and funds" [2]. - The unique "3+4" service model leverages core capabilities in payment settlement, reconciliation, and fund supervision to create service advantages [2]. Group 2: Product Empowerment - "Yun Tong Guan Zhang" offers a one-stop solution for funds, settlement, and operational management, enhancing efficiency across various business scenarios [3]. - In payment settlement, it provides multi-channel, intelligent services that streamline fund processing, enhancing procurement efficiency through automated payment processes [3][4]. - The reconciliation service includes account management, automatic write-offs, and clear transaction tracking, addressing the challenges of matching transaction flows with receivables [3][4]. Group 3: Ecological Interconnection - The service targets four core economic scenarios, providing tailored financial solutions that inject digital vitality into various sectors [5][6]. - For the real economy, it focuses on the entire operational chain of manufacturing enterprises, facilitating data flow across procurement, production, and sales [5]. - In the platform economy, it develops flexible account management systems to meet the complex fund clearing needs of e-commerce and internet finance platforms [6]. Group 4: Market Reach - The Bank of Communications has customized solutions for over 30 industries, serving nearly 160,000 government and enterprise clients, indicating a strong market presence [6]. - The "Yun Tong Guan Zhang" service aims to support enterprises in achieving business-finance integration and digital transformation, contributing to high-quality development [6].

Core Viewpoint - The meeting of the Bank of Communications emphasizes the importance of aligning with the spirit of the 20th Central Committee's Fourth Plenary Session and implementing the requirements set by the Central Financial Office and the Central Financial Work Committee, focusing on high-quality planning for the "14th Five-Year" and "15th Five-Year" periods [1] Group 1 - The meeting was chaired by Ren Deqi, the Party Secretary and Chairman of the Bank of Communications, with participation from Party committee members and leading officials [1] - The bank aims to comprehensively summarize the achievements and experiences from the "14th Five-Year" period and utilize the "six persistences" methodology to focus on goal orientation and problem orientation [1] - The bank is committed to integrating the political and people-oriented aspects of financial work into the planning process, guided by Xi Jinping's Thought on Socialism with Chinese Characteristics for a New Era [1] Group 2 - The bank plans to solicit opinions and suggestions from various stakeholders, including the public, experts, and grassroots experiences, to inform the "15th Five-Year" planning [1] - There is a focus on ensuring a seamless transition between the "14th" and "15th Five-Year" plans, recalibrating strategic direction, emphasizing strategic priorities, and creating strategic characteristics [1] - The bank will continue to promote the rectification of central inspections and uphold strict governance of the Party, using high-quality Party building to ensure high-quality development [1]

Core Insights - The Chinese AI industry is at a critical juncture, with the financial sector leading in technology adoption while recognizing associated risks [1][2] - Financial institutions are heavily investing in AI, with state-owned banks like Bank of Communications allocating significant resources to digital transformation [1] - AI applications in finance have shown substantial efficiency improvements, particularly in retail lending and risk management [1] Investment in AI - Bank of Communications has invested approximately 12 billion RMB annually in technology, representing about 5.4% of total revenue since 2021 [1] - The bank's workforce includes over 10,000 technology personnel, accounting for more than 10% of total employees [1] AI Applications and Efficiency - AI has improved service efficiency in retail lending by 3.5 times through end-to-end applications in credit access, marketing, and review processes [1] - AI technology has achieved over 80% accuracy in fraud prevention [1] - Operational management has seen a release of over 60% of manual productivity through AI authorization processes [1] Risks Associated with AI - Potential risks in AI applications include cybersecurity, data security, and model safety, necessitating clearer boundaries between public and private data rights [2] - The need for enhanced personal privacy protection is emphasized as data collection increases [2] Value Judgment and Market Stability Risks - The risk of "value deviation" arises from the public's limited financial knowledge, which may lead to skewed perceptions due to information silos [3] - The "herding effect" could pose risks to market stability if financial institutions utilize homogeneous large models for investment advice and risk assessment, potentially leading to market and liquidity risks [3] Human Oversight in Financial Decisions - It is crucial for humans to remain in control of financial decision-making, as AI lacks the emotional intelligence necessary for responsible financial management [3]

Core Points - The "Traffic Bank Cup" 9th National Disabled Persons Job Skills Competition concluded in Qingdao, emphasizing the importance of employment and skills for high-quality development [1] - The event featured six distinct competition projects tailored to the employment needs of disabled individuals, covering emerging industries and traditional culture [2] Group 1 - Employment is highlighted as the foundation of people's livelihoods, with skills being essential for establishing a career and talent being the primary resource for high-quality development [1] - The competition included participants from 30 provinces, autonomous regions, and municipalities, with 386 disabled contestants competing [2] - The top three teams in the competition were from Shandong, Zhejiang, and Jiangsu, with 18 contestants, including Tian Lu, standing out in the competition [2] Group 2 - The event's theme was "Skills Illuminate the Future, Craftsmanship Builds Dreams," focusing on the employment and entrepreneurial needs of disabled individuals in the new era [2] - The competition projects included digital twin technology, short video production, tea evaluation, live streaming job placement, point emerald craft design, and gourd burning painting [2] - During the event, discussions were held between Li Dongmei and local leaders regarding the employment and education of disabled individuals, alongside a public performance by the China Disabled Persons Art Troupe [2]

Core Insights - The Bank of Communications Ningxia Branch is focusing on high-quality development of inclusive finance, enhancing financial services for individual businesses, with a loan balance of 790 million yuan as of September, reflecting a net increase of 101 million yuan since the beginning of the year [1] Group 1: Financial Support for Individual Businesses - The branch has launched various initiatives such as "Spring Plowing Action" and "Financial Support for Merchants" to expand inclusive finance, resulting in a total loan issuance of 832 million yuan and serving 2,542 clients this year [1] - A total of 185 million yuan has been disbursed to 379 individual businesses, with a focus on customized financial products tailored to local industries, including "Tansheep Loan" and "Cold Chain Loan" [1] Group 2: Digital Transformation and Service Innovation - The branch is accelerating its digital transformation by developing standardized and customized online product systems to improve financing efficiency for individual businesses [1] - New financial service models are being explored, integrating financial services with cultural tourism, including the launch of the first scene-based benefit loan project in the region [2] Group 3: Financial Education and Community Engagement - The branch has organized immersive financial knowledge promotion activities in cultural tourism sites to enhance public understanding of financial services [2] - A total of 14.48 million yuan has been authorized in credit, with 5.68 million yuan withdrawn, demonstrating effective integration of financial services with consumer scenarios [2]

Core Viewpoint - The Bank of Communications is adjusting its precious metals wallet business in response to market changes, specifically modifying the minimum investment amount based on real-time gold prices starting from October 27, 2025 [1] Group 1: Business Adjustments - Starting from October 27, 2025, the minimum investment amount for the precious metals wallet accumulation plan will be adjusted to be equal to or greater than the real-time gold price [1] - The accumulation amount must comply with the trading increment requirement of 100 yuan, meaning the minimum amount for the accumulation plan will be 1,000 yuan if the gold price is 923 yuan per gram [1] - Existing accumulation plans that were successfully set up prior to the adjustment will continue to be executed without any impact [1] Group 2: Customer Communication - The bank expresses gratitude for customer support and provides a customer service hotline for any inquiries regarding the changes [1]

Core Viewpoint - The recent volatility in domestic and international precious metal prices has increased investment trading risks, prompting the Bank of Communications to advise investors to enhance their risk awareness and monitor their positions and margin balances closely [1] Group 1 - The Bank of Communications has issued a notice regarding the heightened volatility in precious metal prices [1] - Investors are encouraged to pay attention to market changes and improve their risk prevention awareness in precious metal trading [1] - The bank emphasizes the importance of timely monitoring of positions and margin balance changes to manage exposure effectively [1]