格隆汇8月4日｜交通银行今日宣布调整部分借记卡收费标准，将于近期推出万事达双币借记卡。万事达 双币借记卡部分服务项目收费标准与标准借记卡不同，现公布如下：借记卡工本费：新发卡20元/卡； 补换卡20元/卡。境外ATM查询交易：0.54美元/笔。境外ATM取现交易手续费：取现金额的1.8%+1美元/ 笔。调阅签购单手续费：电子件25元/笔。调整后的服务项目收费标准拟于2025年11月4日起执行。 ...

Core Viewpoint - The issuance of the world's first offshore bond under the Shanghai Free Trade Zone by Bank of Communications marks a significant step in developing an offshore financial system aligned with Shanghai's international financial center, contributing to the internationalization of the Renminbi [2][3]. Group 1: Issuance Details - Bank of Communications Hong Kong branch successfully issued the first offshore bond under the Shanghai Free Trade Zone with a coupon rate of 1.85% and a maturity of 3 years, receiving ratings of A2 from Moody's and A from Fitch [2]. - The issuance was conducted in compliance with the People's Bank of China's policy on developing offshore bonds, following international standards and principles [2]. - The bond attracted high-quality foreign investors from regions including Hong Kong, the Middle East, and Central America, showcasing effective collaboration across multiple locations such as Shanghai, Hong Kong, Macau, and Luxembourg [2]. Group 2: Role of FT Accounts - The Free Trade Account (FT Account) played a crucial role in this issuance, leveraging its "first-line liberalization" policy to provide safe and convenient cross-border settlement services for foreign investors [2]. - This facilitated the orderly and free flow of funds between the Shanghai Free Trade Zone and overseas [2]. Group 3: Market Position and Future Implications - The successful issuance positions Bank of Communications as the only institution in the market that integrates six key functions: issuance, investment, underwriting, trust, clearing, and settlement of offshore bonds [3]. - This development is expected to further promote the high-quality growth of offshore bond business in the Shanghai Free Trade Zone [3].

Group 1 - The core point of the article is that Bank of Communications' Hong Kong branch has issued the world's first offshore bond under the Shanghai Free Trade Zone, with a coupon rate of 1.85% and a maturity of 3 years [1] Group 2 - The bond is managed by the China Central Depository & Clearing Co., Ltd. [1]

Core Insights - The event "Smart Creation in Cultural Tourism: Digital Empowerment for the Future" was held by the National Cultural and Tourism Administration in Ningxia, where Bank of Communications launched the second season of its cultural tourism initiative "Qianmian Saishang Fu Ningxia" [1] Group 1: Financial Support for Cultural Tourism - Bank of Communications emphasizes the importance of financial support for cultural tourism as a practical implementation of its political and social responsibilities [1] - The bank aims to collaborate with the Ningxia government to enhance credit allocation, diversify financial products, and leverage technology for the integration of cultural tourism and finance [1] Group 2: Strategic Cooperation and Support - A strategic cooperation agreement was signed between Ningxia Cultural Tourism Department and Bank of Communications Ningxia Branch to enhance financial support for tourism projects and improve the brand reputation of Ningxia's cultural tourism [2] - The bank has provided over 200 million yuan in credit support for the application of "Xixia Tomb" for heritage status and for four 5A-level scenic spots, achieving an 83% coverage rate for cooperation with 5A-level scenic spots [2] Group 3: Consumer Services and Promotions - The bank has launched promotional activities in collaboration with over 300 merchants, offering discounts and benefits through its mobile banking platform and the "Buy Now" app [2] - A themed credit card "Encountering the Starry Sky in Ningxia" was issued to integrate multiple consumer benefits, enhancing the travel experience in Ningxia [2] Group 4: Future Development Goals - Ningxia aims to become an international tourism destination by developing new tourism formats such as desert tourism and starry sky tourism, leveraging digital empowerment and cross-industry integration [1][2] - The bank plans to explore effective ways to innovate the integration of finance and cultural tourism, providing strong financial support for the development of Ningxia as a cultural tourism hub [2]

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年7月31日 狀態: 新提交 FF301 致：香港交易及結算所有限公司 公司名稱: 交通銀行股份有限公司 呈交日期: 2025年8月1日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03328 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 增加 / 減少 (-) | | | | | | RMB | | | | 本月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 2. 股份分類 | 普通股 | ...

呈交日期: 2025年8月1日 FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 交通銀行股份有限公司 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03328 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 增加 / 減少 (-) | | | | | | RMB | | | | 本月底結存 | | | 35,011,862,630 | RMB | | 1 RMB | | 35,011,862,630 | | 2. 股份分類 | 普通股 | ...

Core Insights - HSBC Holdings reported a revenue of $34.122 billion for the first half of 2025, representing an 8.5% decline compared to the same period last year [1] - The pre-tax profit was $15.8 billion, a decrease of $5.7 billion or 26.7% year-on-year, while the net profit after tax fell by 30% to $12.4 billion [1] - The company's stock price experienced significant volatility following the earnings report, closing down 3.82% at HKD 96.15 per share, with a market capitalization of approximately HKD 1.68 trillion [1] Financial Performance - The decline in profit was primarily attributed to a $2.1 billion dilution and impairment loss related to the investment in Bank of Communications [3] - Last year's gain of $3.6 billion from the sale of Canadian and Argentine businesses was not replicated in this reporting period, negatively impacting overall performance [3] - HSBC's investment in Bank of Communications saw its ownership stake diluted from 19.03% to 16%, resulting in a dilution loss of $1.136 billion and an impairment loss of $1 billion [3] Business Structure and Strategy - HSBC has initiated a significant restructuring under the new CEO, aiming to transition from a matrix structure to four main business segments: Hong Kong, UK, Corporate and Institutional Banking, and International Wealth Management [3] - Despite the restructuring, only the Corporate and Institutional Banking segment reported profit growth, while other segments experienced varying degrees of decline [4] - The Corporate Center segment shifted from a profit of $4.8 billion last year to a loss this year [4] Cost Management and Market Performance - HSBC announced a cost-cutting plan aiming to reduce expenses by $300 million by 2025, with a target of achieving annualized savings of $1.5 billion by the end of 2026 [4] - Operating expenses increased to $17.022 billion, up $700 million from the previous year, despite the cost reduction initiatives [4] - The Asia region contributed 78.3% of the pre-tax profit, with strong performances from mainland China, India, and Singapore, while European operations, particularly in the UK, faced profitability challenges due to economic stagnation [4] Regional Insights - The pre-tax profit from Hong Kong and mainland China operations was $9.384 billion, a decline of 13.85% year-on-year, but its contribution to overall profit increased from 50.5% to 59.4% [4] - Several institutions have raised their target prices for HSBC, with CICC increasing its target by 9.3% to HKD 111.9, maintaining an "outperform" rating [4]

风险提示：以上内容仅供参考，不构成投资建议。市场有风险，投资需谨慎。 本文源自：金融界 作者：A股君 截至2025年7月31日15时，交通银行股价报7.65元，较前一交易日下跌0.03元，跌幅0.39%。当日成交量 为175万手，成交额达13.34亿元，振幅2.08%。该股开盘价为7.67元，盘中最高触及7.71元，最低下探 7.55元。 交通银行是中国五大国有商业银行之一，总部位于上海。作为中国历史最悠久的银行之一，交通银行在 零售银行、公司金融和投资银行等领域拥有广泛的业务布局。该行被列为全球系统重要性银行，在国内 外市场具有重要影响力。 最新消息显示，汇丰控股因交通银行1200亿元定增导致持股比例从19%摊薄至16%，确认了21亿美元的 摊薄及减值亏损。此次定增由财政部、中国烟草总公司等战略投资者参与，发行价格为8.71元/股，较 每股净资产折价30.7%。此外，交通银行在2024年实施了中期分红，这是该行时隔多年后再次进行中期 分红。 7月31日交通银行主力资金净流入1822.23万元，占流通市值比例为0.01%。 ...

根据公开信息，2025年交通银行已完成超千亿元规模的定向增发融资，募集资金用于补充流动资金。在 财政部支持下，包括交通银行在内的四家国有大型商业银行合计完成5200亿元定增募资。这一举措旨在 提升银行的贷款投放能力，更好服务实体经济发展。 2025年7月30日数据显示，交通银行当日主力资金净流出2453.32万元。 风险提示：以上内容仅供参考，不构成任何投资建议。市场有风险，投资需谨慎。 来源:金融界 截至2025年7月30日15时，交通银行股价报7.68元，较前一交易日上涨0.06元，涨幅0.79%。当日开盘价 为7.63元，最高触及7.74元，最低下探7.60元，成交量为181.68万手，成交金额达13.95亿元。 交通银行是我国五大国有商业银行之一，总部设在上海。作为历史悠久的金融机构，交通银行在商业银 行、投资银行、基金管理、金融租赁等领域开展综合化经营。公司主要业务包括公司银行业务、个人银 行业务和资金业务等。 ...

转自：新华财经 7月27日，交通银行党委委员、副行长钱斌在2025世界人工智能大会"数智驱动，同创共赢：AI+金融赋 能高质量发展"论坛上表示，金融行业需要同产学研各界齐心协力，将数智能力从"手工作坊"走向"工业 化生产"，从"功能交付"走向"价值共生"。 钱斌指出，要持续推进"人工智能+"行动，数智协同提供高质量金融服务。金融行业人工智能应用场景 广阔、应用诉求迫切。无论从提升服务质效、降低服务成本、还是从解决"融资难、融资贵""不敢贷、 不愿贷"的现实诉求，金融机构都必须转变方式，加快数字化、智慧化转型。交行作为国有大型商业银 行，始终坚持自立自强，突出应用导向，2025年初发布了《交通银行"人工智能+"行动方案（2025— 2026年）》。 强化算力统筹方面，积极响应国家"东数西算"战略，将大数据、AI等系统平台向西部电 力资源丰富地区转移；构建千卡异构大规模算力集群，实现算、网、存资源的融合池化与柔性调度，综 合利用资源效率进一步提升。优化数据供给方面，打造企业级数据中台，建立全行统一的数据标准体 系，打造智能化数据标注平台，全面提升AI训练数据集的供给能力。实现应用牵引方面，基于大模型 的智能识别与 ...