交通银行前三季度归属于母公司股东的净利润699.94亿元人民币。 ...

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。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：03328） 2025年三季度業績公告 交通銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈本行及其附屬公司 （「本集團」）截至2025年9月30日止九個月（「報告期」）的未經審計業績（「三季度業 績」）。本行董事會及其轄下的審計委員會已審閱並確認此三季度業績。本公告乃 根據《證券及期貨條例》（香港法例第571章）第XIVA部及香港聯合交易所有限公 司證券上市規則第13.09條而作出。 一、公司基本情況 | | 股票簡稱 | 股票代號 | 上市交易所 | | --- | --- | --- | --- | | A股 | 交通銀行 | 601328 | 上海證券交易所 | | H股 | 交通銀行 | 03328 | 香港聯合交易所有限公司 | | 境內優先股 | 交行優1 | 360021 | 上海證券交易所 | 董事會秘書、公司秘書 | 姓 ...

Core Points - The article reports that Beijing Zhongke Jiangnan Information Technology Co., Ltd. has won the bid for the financial budget integration system upgrade project of the Henan branch of the Bank of Communications [1][2] - The announcement was made on October 28, 2025, and highlights the company's extensive involvement in investment and bidding projects [1] Company Summary - Beijing Zhongke Jiangnan Information Technology Co., Ltd. has invested in 12 enterprises and participated in 6,870 bidding projects [1] - The company holds 114 trademark registrations, 59 patents, and 161 copyright registrations, indicating a strong intellectual property portfolio [1] - Additionally, the company possesses 7 administrative licenses, showcasing its compliance and operational capabilities [1] Procurement Details - The procurement was conducted by the Bank of Communications, Henan Province branch, indicating a significant partnership in the financial sector [2] - The specific bid amount for the project has not been disclosed in the article [2]

Group 1 - The event "Financial Support for Cultural Tourism Series" initiated by Bank of Communications in Yinchuan, Ningxia, aims to promote cultural tourism and enhance consumer confidence [1][5] - Over 400 guests from various branches of Bank of Communications participated in the special event at the Xixia Tomb Museum, showcasing the rich cultural heritage of the region [3] - The event featured cultural exchanges and lectures on Xixia civilization, highlighting the integration of traditional culture and financial support for tourism development [5] Group 2 - The initiative aligns with Ningxia's "Bring Customers to Ningxia Plan," demonstrating a successful exploration of how financial institutions can empower cultural tourism [5]

Core Viewpoint - The financial industry should actively seize the new round of technological transformation dividends, leveraging "data elements" and "artificial intelligence" to accelerate digital transformation and foster a new growth point through serving technological innovation [1][2]. Group 1: Financial and Technological Integration - Financial services are increasingly interwoven with technology and industry, creating a powerful force for economic and social development [1]. - Financial resources are being precisely directed to support technological innovation, injecting strong momentum into industrial prosperity [1]. - Technological innovation is effectively driving financial transformation, establishing a new paradigm for economic development [1]. Group 2: Traffic Bank's Digital Transformation Strategy - During the "14th Five-Year Plan" period, Traffic Bank is prioritizing digital transformation as a strategic breakthrough, significantly investing in technology and talent [2]. - The bank has established a specialized organizational structure for technology finance, including a central technology finance center and nearly a hundred technology branches nationwide to meet the financial needs of tech enterprises [2]. - Traffic Bank aims to innovate product and service models by utilizing technological capabilities, allowing more financial resources to concentrate on technological innovation and fostering a collaborative industrial ecosystem [2].

Core Viewpoint - Guanghong Holdings announced that its board and shareholders agreed to provide a guarantee for its subsidiary Nanhai Poultry and its subsidiaries, with a credit financing limit of up to 250 million yuan for one year [1] Group 1: Financing Details - On October 20, 2025, Nanhai Poultry, Nanhai Huang Breeding, and Guanghong Breeding signed comprehensive credit contracts with Bank of Communications, with limits of 20 million yuan, 20 million yuan, and 30 million yuan respectively [1] - On October 28, the company signed a guarantee contract with Bank of Communications to provide joint liability guarantees for the main contract debts of the three subsidiaries, with maximum debt balances of 24 million yuan, 24 million yuan, and 36 million yuan respectively, with a guarantee period until April 23, 2026 [1] Group 2: Current Guarantee Status - As of the announcement date, the company and its subsidiaries have a cumulative external guarantee balance of 1.823 billion yuan, accounting for 57.47% of the most recent audited net assets, with no overdue external guarantees [1]

Core Viewpoint - The financial sector plays a crucial role in supporting the development of the elderly care industry and the "silver economy," with Bank of Communications (BoCom) committed to creating a comprehensive financial service system that addresses the challenges of an aging population [1] Systematic Layout - BoCom has established a comprehensive service system covering five areas: elderly industry finance, pension finance, elderly wealth finance, elderly consumption finance, and financial services tailored for the elderly, positioning itself as a leader in the aging finance sector [4] - The bank aims to become a "senior-friendly bank," extending its service chain to meet the diverse needs of elderly clients and introducing innovative products like the "Pension One Account" for better asset management [4] - BoCom integrates resources to provide exclusive benefits for the elderly across seven life scenarios, enhancing their wealth management and consumption vitality through a "finance + ecosystem" model [4] Technological Empowerment - BoCom promotes "technology for the elderly," ensuring that financial services are safe, simple, and seamlessly integrated into the daily lives of older adults [5] - The bank has launched pilot programs for a "digital RMB hard wallet" in communities, allowing elderly users to make payments easily without needing to operate smartphones [5] - Online, BoCom has embedded a "Healthy Aging" service platform in its mobile banking and WeChat mini-programs, facilitating access to essential health and wellness services [6] Addressing Challenges - BoCom recognizes common challenges in the elderly care industry, such as the small scale and financial irregularities of non-profit institutions, and is working to optimize credit evaluation and lending processes for these organizations [7] - The bank is addressing the phenomenon of "hot account openings but cold contributions" in personal pension accounts by enhancing financial literacy and optimizing product offerings to meet diverse risk preferences [7] - To bridge the digital divide, BoCom adopts a "online + offline" strategy, improving its app for elderly users and enhancing service capabilities at physical branches [7] Future Outlook - BoCom is optimistic about the future of "technology + elderly care," planning to leverage financial services to unite various societal forces in reforming and developing elderly care services [8]

Core Points - The former Vice President of Bank of Communications, Hou Weidong, is under investigation for serious violations of discipline and law, five years after his retirement [2][3] - Hou Weidong was the first Chief Information Officer (CIO) in China's banking industry and held significant positions in both technology and business operations during his tenure [3][4] Group 1: Background and Career - Hou Weidong worked at the Industrial and Commercial Bank of China before joining Bank of Communications, where he held various roles, including CIO and Vice President [3][4] - He served as Vice President of Bank of Communications for over nine years, during which he also held the position of CIO for six years [3][4] Group 2: Investigation and Institutional Response - The investigation into Hou Weidong was announced by the Central Commission for Discipline Inspection and the National Supervisory Commission, indicating a broader crackdown on corruption within the banking sector [2][9] - Following the announcement, the Bank of Communications' Party Committee expressed its commitment to support the investigation and emphasized the importance of maintaining strict discipline and governance [9] Group 3: Recent Trends in Corruption Cases - Prior to Hou Weidong's case, two other officials from Bank of Communications were also investigated for serious violations of discipline and law in 2023 [10] - The Central Commission for Discipline Inspection has highlighted the emergence of new forms of corruption, including hidden and disguised methods that complicate investigations [10]

Core Points - The Central Commission for Discipline Inspection and the National Supervisory Commission announced an investigation into the former Vice President of Bank of Communications, Hou Weidong, for serious violations of discipline and law [1][2] - The Bank of Communications' Party Committee expressed strong support for the investigation and emphasized the importance of aligning with the central government's anti-corruption efforts [2][3] - The bank aims to enhance its internal governance and maintain a strict approach to discipline and anti-corruption measures [3][4] Group 1 - The investigation into Hou Weidong reflects the central government's commitment to deepening the anti-corruption campaign in the financial sector [1][2] - The Party Committee of the Bank of Communications is committed to learning from this case and ensuring that all employees understand the complexities and challenges of the anti-corruption struggle [2][3] - The bank will implement measures to ensure compliance with political discipline and regulations, emphasizing the role of leadership in maintaining a clean political environment [3] Group 2 - The bank is focused on enhancing its support for national strategies and addressing key areas of financial risk while promoting high-quality development [4] - The Party Committee will work to integrate the latest directives from the 20th Central Committee regarding self-revolution and comprehensive strict governance of the Party [3][4] - The bank aims to strengthen its financial support for the real economy and contribute to national development goals [4]

Core Insights - The article emphasizes the importance of promoting consumption and expanding domestic demand as a key national strategy for 2025, with financial institutions playing a crucial role in supporting this transition from investment-driven to consumption-driven economic growth [1][6]. Group 1: Financial Institution Initiatives - Financial institutions are focusing on both resident demand and enterprise supply to create a virtuous cycle of "financial benefits - consumption expansion - industrial upgrading" [1]. - The Bank of Communications Credit Card is actively responding to market demands by prioritizing green finance in its automotive financial services, particularly in the context of the growing popularity of new energy vehicles [2]. - The bank has established a dedicated team to manage automotive installment products, achieving a system automatic review rate of 70% and an overall approval rate of nearly 90%, enhancing service quality and customer experience [3]. Group 2: Market Positioning and Strategy - The Bank of Communications Credit Card is leading the industry in addressing the "high interest, high rebate" phenomenon by suspending high-rebate automotive installment and loan services, thus promoting a healthier market environment [4]. - The bank is leveraging its exclusive platinum card for car owners and various promotional activities to deepen customer engagement and enhance user loyalty [4]. - The bank has launched a special automotive installment campaign in Shanghai, offering customers a chance to receive a cash rebate upon successful application, effectively reducing the financial burden of purchasing new vehicles [6]. Group 3: Commitment to Local Economic Development - The Bank of Communications has been actively involved in promoting the Shanghai International Consumer Center City initiative and has participated in the "Five Five Shopping Festival" for six consecutive years, injecting financial vitality into the local economy [5]. - The bank aims to build a complete automotive financial ecosystem through dual drives of inclusive finance and green finance, supporting local economic development while achieving high-quality business growth [6].