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。 交通銀行股份有限公司 Bank of Communications Co., Ltd. （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年一季度業績公告 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3月31日止三個月（「報告期」）的未經審計業績（「一季度業 績」）。本行董事會及其轄下的審計委員會已審閱並確認此一季度業績。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 | 姓名 | 何兆斌 | | --- | --- ...

Financial Performance - Net profit attributable to shareholders increased by 1.54% to RMB 25,372 million for Q1 2025, compared to RMB 24,988 million in Q1 2024[9] - Operating income for Q1 2025 was RMB 66,374 million, a slight decrease of 1.02% from RMB 67,059 million in Q1 2024[9] - Basic and diluted earnings per share remained stable at RMB 0.34 for both Q1 2025 and Q1 2024[9] - The annualized return on average equity decreased by 0.44 percentage points to 10.35% compared to 10.79% in the previous year[9] - The net profit attributable to shareholders for Q1 2025 was CNY 25.372 billion, representing a year-on-year growth of 1.54%[22] - The bank's net interest income for Q1 2025 was RMB 42,604 million, up from RMB 41,558 million in Q1 2024, indicating a growth of about 2.5%[44] - Net profit for Q1 2025 reached RMB 21,769 million, representing a 2.9% increase compared to RMB 21,160 million in Q1 2024[48] - Total comprehensive income for Q1 2025 was RMB 18,316 million, down 18.5% from RMB 22,551 million in Q1 2024[49] Assets and Liabilities - Total assets increased by 2.61% to RMB 15,288,895 million as of March 31, 2025, compared to RMB 14,900,717 million at the end of 2024[9] - Total liabilities increased by 2.67% to RMB 14,112,326 million from RMB 13,745,120 million at the end of 2024[9] - Shareholders' equity attributable to the parent company increased by 1.89% to RMB 1,165,925 million from RMB 1,144,306 million at the end of 2024[9] - The bank's total liabilities and equity reached RMB 15,288,895 million as of March 31, 2025, up from RMB 14,900,717 million at the end of 2024, indicating an overall growth of approximately 2.6%[39] Customer Loans and Deposits - Customer loans rose by 4.24% to RMB 8,918,134 million, up from RMB 8,555,122 million year-over-year[9] - Customer deposits grew by 3.39% to RMB 9,099,064 million, up from RMB 8,800,335 million year-over-year[9] - The total customer loans amounted to CNY 89,181.34 billion, an increase of CNY 3,630.12 billion, or 4.24% from the previous year[28] - The total customer deposits reached CNY 90,990.64 billion, up by CNY 2,987.29 billion, reflecting a growth of 3.39%[30] Cash Flow - Net cash flow from operating activities improved significantly to RMB 111,600 million, compared to a negative RMB 125,760 million in the same period last year[14] - Cash flow from operating activities generated RMB 111,600 million, a significant improvement from a cash outflow of RMB 125,760 million in Q1 2024[52] - The net cash flow from operating activities was 90,964, compared to a negative 150,319 in the previous period, indicating a significant improvement[55] - Total cash inflow from investment activities was 245,309, up from 222,191 in the previous period, reflecting a positive trend in investment recovery[55] Investment and Income - The commission and fee income for Q1 2025 was CNY 11.594 billion, a decrease of 2.40% year-on-year[25] - The bank's investment income for Q1 2025 was RMB 5,782 million, down from RMB 6,481 million in Q1 2024, a decrease of approximately 10.8%[44] - Investment income for Q1 2025 was RMB 4,429 million, down from RMB 5,075 million in Q1 2024[48] Capital and Regulatory Compliance - The capital adequacy ratio stood at 15.90%, with a Tier 1 capital ratio of 12.07% and a core Tier 1 capital ratio of 10.25%, all meeting regulatory requirements[57] - The group plans to raise up to CNY 120 billion through the issuance of A-shares to supplement its core tier one capital[36] Non-Performing Loans - The non-performing loan balance was CNY 115.451 billion, with a non-performing loan ratio of 1.30%, a decrease of 0.01 percentage points from the previous year[32]

智通财经4月29日电，交通银行第一季度净利润253.7亿元人民币，同比增长1.54%。 ...

Financial Performance - Net operating income for Q1 2025 was RMB 66,440 million, a decrease of 1.13% from RMB 67,201 million in Q1 2024[6] - Pre-tax profit increased by 0.67% to RMB 27,533 million, up from RMB 27,349 million[6] - Net profit attributable to shareholders rose by 1.54% to RMB 25,372 million, compared to RMB 24,988 million in the previous year[6] - Basic and diluted earnings per share remained stable at RMB 0.34[6] - The net profit for the three months ended March 31, 2025, was RMB 25,619 million, up from RMB 25,253 million in the same period of 2024[33] - The company reported a pre-tax profit of RMB 27,533 million for the three months ended March 31, 2025, slightly up from RMB 27,349 million in the same period of 2024[42] Assets and Liabilities - Total assets increased by 2.61% to RMB 15,288,895 million as of March 31, 2025, compared to RMB 14,900,717 million at the end of 2024[6] - Total liabilities increased by 2.67% to RMB 14,112,326 million from RMB 13,745,120 million[6] - The company’s total equity rose to RMB 1,176,569 million as of March 31, 2025, from RMB 1,155,597 million at the end of 2024, representing an increase of approximately 1.8%[40] Customer Loans and Deposits - Customer loans rose by 4.24% to RMB 8,918,134 million, up from RMB 8,555,122 million[6] - Customer deposits grew by 3.39% to RMB 9,099,064 million, compared to RMB 8,800,335 million[6] - Customer loan balance at the end of the reporting period was CNY 8,918.134 billion, up 4.24% from the end of the previous year[20] - Customer deposit balance increased to CNY 9,099.064 billion, reflecting a growth of 3.39% compared to the previous year-end[21] Income and Expenses - The net interest income for Q1 2025 was CNY 42.604 billion, an increase of 2.52% year-on-year, accounting for 64.12% of total operating income[15] - The group reported a decrease in commission and fee income to CNY 11.594 billion, down 2.40% year-on-year, primarily due to declines in custody and investment banking revenues[17] - The net fee and commission income for Q1 2025 was RMB 11,594 million, slightly down from RMB 11,879 million in Q1 2024[33] - The group’s business costs for Q1 2025 were CNY 20.178 billion, a decrease of 2.88% year-on-year[18] Asset Quality - The non-performing loan balance was CNY 115.451 billion, an increase of 3.38% from the previous year-end, with a non-performing loan ratio of 1.30%[23] - The company’s non-performing loans in corporate loans were RMB 82,469 million, with a ratio of 1.41%, down from 1.47% at the end of 2024[27] - The company’s total assets quality remained stable, with a decrease in both the NPL ratio and the ratio of loans under special attention compared to the end of the previous year[27] Cash Flow - Net cash flow from operating activities for the three months ended March 31, 2025, was RMB 111,600 million, a significant improvement from a net cash outflow of RMB 125,760 million in the same period of 2024[42] - The net cash flow from investing activities for the three months ended March 31, 2025, was a cash outflow of RMB 32,230 million, compared to an inflow of RMB 52,881 million in the same period of 2024[44] - The company issued bonds that generated cash inflow of RMB 8,436 million during the three months ended March 31, 2025, compared to RMB 5,380 million in the same period of 2024[44] Capital Adequacy - The group reported a capital adequacy ratio of 15.90% and a core tier 1 capital ratio of 10.25%, both meeting regulatory requirements[29] - The company plans to raise up to RMB 120 billion through a specific issuance of A-shares to strengthen its core tier 1 capital[28] Other Comprehensive Income - The other comprehensive income for Q1 2025 was a loss of RMB 3,681 million, compared to a gain of RMB 1,181 million in Q1 2024[36]

股票代码：601328 股票简称：交通银行 编号：临 2025-033 杨涛先生的简历，详见本公司于 2025 年 3 月 22 日在上海证券交易所网站 （www.sse.com.cn）发布的《交通银行股份有限公司第十届董事会第二十一次会 议决议公告》（编号：临 2025-007）。 特此公告 交通银行股份有限公司董事会 2025 年 4 月 27 日 交通银行股份有限公司 关于高管任职资格获监管机构核准的公告 交通银行股份有限公司（以下简称"交通银行"或"本公司"）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。 本公司收到《国家金融监督管理总局关于杨涛交通银行副行长任职资格的批 复》（金复〔2025〕256 号），杨涛先生任本公司副行长的任职资格获国家金融监 督管理总局核准生效。 ...

紧扣2025年《政府工作报告》金融改革新方向，交通银行青岛分行将围绕青岛市谋划推进的"10+1"创新 型产业体系、"4+4+2"现代海洋产业体系、十大现代服务业、国际航运中心等重点领域，上合示范区、 青岛自贸区、青岛都市圈、胶东经济圈等重点区域精准发力，持续注入金融活水，推动资金链与创新 链、产业链深度融合，推动金融资源与项目需求精准匹配，助力青岛市将产业"规划图"变成"施工图"， 为推动青岛市经济社会高质量发展注入强劲的金融动能。 协同赋能 打造集团作战新范式 2025年4月28日，"金融赋能新经济，融资融智创未来"交通银行青岛分行支持青岛经济高质量发展大会 将在青岛国际会议中心举行，青岛市政府相关领导、200余家青岛市优质企业受邀参加，共同擘画产融 结合新蓝图。 精准施策 构建产融共生新生态 依托交通银行的集团全牌照优势，青岛分行将与交银金租、交银投资等子公司，以及境外分行协同联 动，争取更多金融资源向青岛倾斜聚集，通过"商行+投行"、"表内+表外"、"境内+境外"的金融资源联 动互补，为客户提供全链条、全周期和全方位的一揽子综合金融服务方案。 科技引领 开启数字金融新篇章 未来，交通银行青岛分行将深入践 ...

Core Viewpoint - The Bank of Communications Zhanjiang Branch has launched ten financial measures to support the employment and entrepreneurship of veterans, with a total credit issuance of 18 million yuan to two military-related enterprises [1][5][7]. Group 1: Financial Measures - The ten measures include establishing a long-term cooperation mechanism among government, banks, and enterprises, with an annual financing allocation of 700 million yuan, including 200 million yuan for individual entrepreneurship and 500 million yuan for enterprise development [3][12]. - Innovative financial service models will be introduced, such as pure credit inclusive financial products, priority service windows, and green financing solutions like carbon emission rights pledging [3][12]. - A digital empowerment platform will be constructed to precisely match the needs of veterans using big data, creating a dedicated financial service ecosystem for them [3][11]. Group 2: Credit Issuance - The Zhanjiang Branch has granted credit of 10 million yuan to Guangdong Baijia Telecom Cable Industry Co., Ltd. and 8 million yuan to Zhanjiang Letian Agricultural Technology Co., Ltd. [5][7]. - The bank aims to provide comprehensive and diversified financial service support to veterans, eliminating information barriers in financial services [7][9]. Group 3: Strategic Goals - The Zhanjiang Veterans Affairs Bureau emphasizes the importance of financial institutions in enhancing service systems for military entrepreneurship, particularly in rural revitalization and technological innovation [9][11]. - The measures highlight the importance of technology empowerment, with plans to offer free digital tools through the "Yue Lian Jiao Rong" platform and to create diverse financing channels in collaboration with investment institutions [11][12].

2024 創造共同 價 值 創造共同 價 值 交 通 銀 行 股 份 有 限 公 司 2 0 2 4 年 度 報 告 交 通 銀 行 股 份 有 限 公 司 （於中華人民共和國註冊成立的股份有限公司） 地址及郵編 中國上海市浦東新區銀城中路188號 200120 www.bankcomm.com www.bankcomm.cn 交 通 銀 行 股 份 有 限 公 司 2 0 2 4 年 度 報 告 交 通 銀 行 股 份 有 限 公 司 （於中華人民共和國註冊成立的股份有限公司） 地址及郵編 重要提示 一、本行董事會、監事會及董事、監事、高級管理人員保證年度報告內容的真實、準確、完整，不存在虛假記 載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 二、本行第十屆董事會第二十一次會議於2025年3月21日審議批准了交通銀行股份有限公司2024年度報告及摘 要。出席會議應到董事18名，親自出席董事17名，委託出席董事1名，廖宜建非執行董事因其他公務，書 面委託陳紹宗非執行董事出席會議並代為行使表決權。 三、本行董事長任德奇先生、主管會計工作負責人周萬阜先生及會計機構負責人陳隃先生聲明：保證年度報告 中財務報 ...

Group 1 - The core point of the news is that the China Banking and Insurance Regulatory Commission has approved the termination of operations for several branches of the Bank of Communications Pacific Credit Card Center in Zhejiang province, including branches in Jinhua, Jiaxing, Hangzhou, Wenzhou, Huzhou, and Shaoxing, which must cease all business activities immediately and return their licenses within 15 working days [2] Group 2 - According to the People's Bank of China, as of 2024, there are 9.913 billion bank cards issued nationwide, a year-on-year increase of 1.29%. Among these, debit cards account for 9.186 billion, up 1.84%, while credit cards and loan cards have decreased to 727 million, a decline of 5.14%, equating to a reduction of 40 million cards [3] - The Bank of Communications reported that as of the end of 2024, its domestic credit card issuance was 63.094 million, a decrease of 8.3148 million cards or 11.66% from the end of 2023. The credit card loan balance reached 538.404 billion yuan, an increase of 9.94% year-on-year, with auto installment loans rising by 67.416 billion yuan, a significant increase of 240.10% [3] Group 3 - The Bank of Communications' annual report indicates that as of the end of 2024, the total amount of non-performing loans for credit cards was 12.590 billion yuan, with a non-performing loan ratio of 2.34%, which is an increase of 0.42 percentage points from the end of 2023 [5] - The bank is transitioning to a localized credit card business model to better meet customer needs for integrated financial services and adapt to new requirements in credit card business development. This involves shifting from centralized operations to branch-based localized operations, integrating credit card services into mobile retail business [5]

Dividend Distribution - The company plans to distribute a cash dividend of RMB 0.197 per share to ordinary shareholders, totaling RMB 14.63 billion based on 74.263 billion shares outstanding[5] - The company reported a cash dividend distribution of RMB 0.182 per share for the first quarter of 2025[5] - Cash dividend distribution for 2023 is RMB 0.375 per share, maintaining a dividend payout ratio above 30% for 12 consecutive years[32] - The company plans to implement a mid-term dividend policy starting in 2024, with a cash dividend of RMB 0.182 per share[32] Financial Performance - Net interest income for 2024 reached RMB 169,832 million, a slight increase from RMB 164,123 million in 2023[24] - Net fee and commission income decreased to RMB 36,914 million in 2024 from RMB 43,004 million in 2023, representing a decline of approximately 14.5%[24] - Total assets increased to RMB 14,900,717 million in 2024, up from RMB 14,060,472 million in 2023, marking a growth of about 6%[24] - Customer loans rose to RMB 8,555,122 million in 2024, compared to RMB 7,957,085 million in 2023, reflecting an increase of approximately 7.5%[24] - Net profit attributable to shareholders reached RMB 93,586 million in 2024, slightly up from RMB 92,728 million in 2023, indicating a growth of about 0.9%[24] - The non-performing loan ratio improved to 1.31% in 2024 from 1.33% in 2023, showing a positive trend in asset quality[24] - The capital adequacy ratio increased to 16.02% in 2024, up from 15.27% in 2023, indicating stronger capital position[24] - Annual operating revenue grew by 0.87% year-on-year, while net profit attributable to the parent company increased by 0.93%[38] Risk Management - The company faces various risks including credit risk, market risk, operational risk, and compliance risk, and has implemented measures to manage these risks effectively[5] - The company emphasizes the importance of risk awareness regarding forward-looking statements and plans[5] - The bank's strategic focus includes risk management and maintaining financial stability while serving the real economy[21] - The company aims to strengthen risk management capabilities, achieving a provision coverage ratio exceeding 200%[32] Market Presence and Expansion - The company is focused on expanding its market presence and enhancing its product offerings in the financial services sector[12] - The bank aims to build a world-class banking group with a focus on green finance and digital transformation[20] - The bank is expanding its financial services network along the "Belt and Road" initiative, including the establishment of a branch in Dubai[28] - The company is committed to creating shared value and enhancing its corporate governance practices[4] Customer Base and Services - The bank serves 2.84 million corporate clients and 199 million retail customers through over 2,800 domestic branches and 24 overseas branches[20] - The company operates under the brand "Yuntong" for its digital services, aiming to meet customer needs through online service models[12] - The company has a unified brand for inclusive finance services, including online and offline products[12] - The retail customer base grew to 199 million, with high-end customers increasing by 9.86% to 2.75 million[137] Asset Management and Loans - The bank's asset management capabilities have been recognized with a five-level certification in Data Management Capability Maturity Model (DCMM)[23] - The total assets of the group reached CNY 14.90 trillion, an increase of 5.98% compared to the end of the previous year[46] - Customer loan balance increased by CNY 598.04 billion, with a growth rate of 7.52%[46] - Corporate loans amounted to CNY 5,566.58 billion, up CNY 387.05 billion or 7.47%[83] - Personal loans totaled CNY 2,752.41 billion, an increase of CNY 279.31 billion or 11.29%[83] Technology and Innovation - The company aims to enhance its digital finance capabilities through the establishment of a digital finance committee and the integration of AI technologies[126] - The company has launched new wealth management products, including commercial pension insurance and family service trusts, to meet customer needs[141] - The company has issued financing amounting to CNY 306.142 billion through its open banking online chain financial services, reflecting a year-on-year growth of 45.04%[180] Awards and Recognition - The bank has received multiple awards, including the first prize for Financial Technology Development from the People's Bank of China[23] - The bank is committed to providing high-quality financial services and creating more value for shareholders[21] - The company has been awarded the "Best Financial Institution for Green Finance Cases" for 2024, highlighting its commitment to sustainable finance[124] International Operations - The company has established 24 overseas branches and representative offices in major cities including Hong Kong, New York, and London, with a total of 66 overseas business outlets providing comprehensive financial services[169] - The company expanded its cross-border e-commerce platform, with the volume of foreign-related guarantees increasing by 99.37% year-on-year[168] - The cross-border RMB settlement volume reached CNY 1.94 trillion, representing a year-on-year growth of 2.15%[170]