二、监事会会议审议情况 （一）关于2024年第三季度报告及业绩公告的决议 会议审议通过了关于2024年第三季度报告及业绩公告的议案，会议认为本公 司2024年第三季度报告的编制和审核程序符合法律、行政法规和监管规定，报告 的内容真实、准确、完整地反映本公司的实际情况，同意按照有关监管规定予以 公开披露。 表决情况：同意9票，反对0票，弃权0票 股票代码：601328 股票简称：交通银行 编号：临2024-039 交通银行股份有限公司 第十届监事会第十一次会议决议公告 交通银行股份有限公司（以下简称"交通银行"或"本公司"）监事会及全体监事保证 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。 一、监事会会议召开情况 交通银行股份有限公司第十届监事会第十一次会议于2024年10月30日上午 以现场和视频会议相结合的方式，在上海、新加坡召开。本公司于2024年10月16 日向全体监事发出本次会议通知。会议由徐吉明监事长主持，会议应到9人，实 到9人。部分高管和部门负责人列席会议。本次会议的召开符合《中华人民共和 国公司法》和《交通银行股份有限公司章程》的有关 ...

Financial Performance - Net profit attributable to shareholders for Q3 2024 was RMB 23,403 million, a 1.19% increase year-on-year[4] - Operating income for Q3 2024 was RMB 63,776 million, reflecting a year-on-year growth of 3.31%[4] - Basic earnings per share for the first nine months of 2024 was RMB 0.28, unchanged from the previous quarter[4] - The net profit attributable to shareholders was CNY 686.90 billion, a decrease of 0.69% year-on-year[16] - The net profit attributable to shareholders was CNY 23,403 million, slightly up from CNY 23,127 million, representing a growth of 1.19%[35] - Net profit for Q3 2024 was 19,534 million, slightly down from 19,837 million in Q3 2023, with a total net profit of 56,171 million for the first nine months of 2024 compared to 58,276 million in the same period last year[39] - Operating profit for Q3 2024 was 19,184 million, compared to 19,676 million in Q3 2023, with a total operating profit of 55,377 million for the first nine months of 2024, down from 58,884 million in the same period last year[38] Assets and Liabilities - As of September 30, 2024, total assets increased by 3.80% to RMB 14,594,709 million compared to December 31, 2023[4] - Total liabilities increased by 3.81% to RMB 13,454,955 million as of September 30, 2024[4] - The total assets of the group reached CNY 145,947.09 billion, an increase of 3.80% compared to the end of the previous year[16] - The company reported a total asset of 14,594,709 million RMB as of September 30, 2024, compared to 14,060,472 million RMB at the end of 2023[30] - The company’s total liabilities reached 13,454,955 million RMB as of September 30, 2024, up from 12,961,022 million RMB at the end of 2023[30] Customer Loans and Deposits - Customer loans rose by 6.10% to RMB 8,442,157 million from RMB 7,957,085 million as of December 31, 2023[4] - Total customer deposits grew by 2.06% to RMB 8,727,029 million from RMB 8,551,215 million as of December 31, 2023[4] - The group’s customer loan balance was CNY 84,421.57 billion, an increase of 6.10% from the end of the previous year[22] - Customer deposits increased to CNY 87,270.29 billion, reflecting a growth of 2.06% year-on-year[23] - The total loans issued by the company reached 8,238,069 million RMB as of September 30, 2024, an increase from 7,772,060 million RMB at the end of 2023[29] Cash Flow - The net cash flow from operating activities for the first nine months of 2024 was a net outflow of RMB 115,661 million, a significant increase in outflow compared to the previous year[6] - Cash flow from operating activities for the first nine months of 2024 was 988,202 million, down from 1,059,409 million in the same period of 2023[40] - Cash flow from investing activities showed a net outflow of 1,154 million for the first nine months of 2024, compared to a net outflow of 78,905 million in the same period last year[41] - Cash flow from financing activities generated a net inflow of 2,413 million in the first nine months of 2024, compared to an inflow of 12,750 million in the same period of 2023[42] Investment and Income - Net interest income for the first nine months was CNY 1,267.96 billion, an increase of 2.15% year-on-year, accounting for 64.65% of total revenue[17] - The group maintained a stable net interest margin of 1.28%, despite a slight decline of 2 basis points year-on-year[17] - The company reported a significant increase in investment income, reaching 4,567 million in Q3 2024, compared to 2,652 million in Q3 2023, with total investment income for the first nine months of 2024 at 13,732 million, up from 12,534 million[38] - Investment income rose to CNY 6,590 million, up from CNY 5,384 million, showing an increase of 22.3%[34] Equity and Ratios - Shareholders' equity attributable to the parent company increased by 3.67% to RMB 1,127,908 million compared to RMB 1,088,030 million at the end of 2023[4] - The weighted average return on equity for the first nine months of 2024 was 9.60%, a decrease of 0.59 percentage points year-on-year[4] - The average return on assets was 0.65%, a decrease of 0.04 percentage points year-on-year[16] - The capital adequacy ratio at the end of the reporting period was 16.22%, with a Tier 1 capital ratio of 12.20% and a core Tier 1 capital ratio of 10.29%, all meeting regulatory requirements[45] Non-Performing Loans - The non-performing loan balance was CNY 1,115.00 billion, an increase of 5.50% compared to the previous year[25] - The non-performing loan (NPL) ratio decreased to 1.32% from 1.33% year-over-year, indicating improved asset quality[28] - The company’s credit card loans accounted for 6.01% of total loans, with a non-performing loan rate of 2.39% as of September 30, 2024[27] - The overdue loan ratio increased slightly but showed a decrease compared to the previous quarter, indicating a stable trend in loan performance[28]

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。 | 姓名 | 何兆斌 | | --- | --- | | 聯繫地址 | 上海市浦東新區銀城中路188號 | | 電話 | 86-21-58766688 | | 傳真 | 86-21-58798398 | | 電子信箱 | investor@ bankcomm.com | 1 二、財務摘要 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） 2024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2024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 ...

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） 公告 建議委任非執行董事 艾先生之任期將自金融監管總局核准其任職資格起至第十屆董事會任期屆滿之 日，任期屆滿後有資格重選連任。如獲委任，艾先生將不會從本行領取薪酬。 除上文所披露者外及截至本公告日期，董事會並不知悉任何有關艾先生的委任而 須提請股東注意之事宜，亦無任何其他資料須根據香港上市規則第13.51(2)條第 (h)至(v)項的規定予以披露。 本行將適時舉行股東大會，藉以審議及批准委任艾先生為本行非執行董事。 除上文所披露者外及截至本公告日期，艾先生並無擔任本行或其任何附屬公司之 任何其他職位，亦無於過往三年擔任任何其他上市公司之董事職務，與本行董 事、高級管理人員或持股5%以上的股東概無任何關係。 承董事會命 截至本公告日期，艾先生並無於本行或其任何相聯法團（定義見證券及期貨條例 第XV部）之任何股份、相關股份或債券中擁有或被 ...

Financial Performance - Net operating income for Q3 2024 was RMB 63,861 million, a year-on-year increase of 3.29%[3] - Profit before tax for the first nine months of 2024 was RMB 72,886 million, a slight decrease of 0.96% year-on-year[3] - Net profit attributable to shareholders for Q3 2024 was RMB 23,403 million, reflecting a year-on-year increase of 1.19%[3] - Basic earnings per share for Q3 2024 was RMB 0.28, unchanged from the previous quarter[3] - The net operating income for the first nine months of 2024 was CNY 196.411 billion, a year-on-year decrease of 1.37%[12] - The net profit attributable to shareholders of the parent company for the first nine months of 2024 was CNY 68.690 billion, a year-on-year decrease of 0.69%[12] - The company reported a net profit of RMB 69,412 million for the nine months ended September 30, 2024, compared to RMB 69,680 million for the same period in 2023[26] - For the nine months ended September 30, 2024, the total comprehensive income was RMB 75,380 million, an increase from RMB 74,153 million in the same period of 2023, representing a growth of 1.65%[29] - Net profit attributable to the parent company shareholders for the same period was RMB 68,690 million, slightly down from RMB 69,166 million in 2023, indicating a decrease of 0.69%[29] Asset and Liability Management - Total assets increased by 3.80% to RMB 14,594,709 million as of September 30, 2024, compared to RMB 14,060,472 million at the end of 2023[3] - Total liabilities increased by 3.81% to RMB 13,454,955 million, up from RMB 12,961,022 million[3] - The total equity attributable to shareholders of the parent company increased to RMB 1,127,908 million from RMB 1,088,030 million, reflecting a growth of 3.66%[34] Customer Loans and Deposits - Customer loans rose by 6.10% to RMB 8,442,157 million from RMB 7,957,085 million[3] - Customer deposits grew by 2.06% to RMB 8,727,029 million, compared to RMB 8,551,215 million[3] - The total customer loan balance at the end of the reporting period was CNY 8,442.157 billion, an increase of CNY 485.072 billion, or 6.10% compared to the end of the previous year[17] - The total customer deposit balance at the end of the reporting period was CNY 8,727.029 billion, an increase of CNY 175.814 billion, or 2.06% compared to the end of the previous year[18] Credit Quality - The non-performing loan balance at the end of the reporting period was CNY 111.500 billion, an increase of CNY 5.812 billion, or 5.50% compared to the end of the previous year[20] - The provision coverage ratio was 203.87%, an increase of 8.66 percentage points compared to the end of the previous year[20] - The total amount of loans classified as "concerned" is RMB 133,091 million, with a concerned loan ratio of 1.58%[21] - The company reported a decrease in the NPL ratio compared to the end of the previous year, indicating stable asset quality[22] - The total loan balance as of September 30, 2024, is RMB 8,442,157 million, with a non-performing loan (NPL) ratio of 1.32%[22] - The overdue loan balance is RMB 117,353 million, with an overdue loan ratio of 1.39% as of September 30, 2024[22] - The company’s focus on corporate loans accounts for 65.55% of the total loan portfolio, with a corporate NPL of RMB 82,726 million and an NPL ratio of 1.49%[22] - The company’s credit card loans total RMB 507,465 million, with a non-performing loan ratio of 2.39%[22] Income and Expenses - The company’s interest income for the nine months ended September 30, 2024, is RMB 340,379 million, while interest expenses are RMB 213,583 million, resulting in a net interest income of RMB 126,796 million[26] - The net interest income for the first nine months of 2024 was CNY 126.796 billion, an increase of CNY 2.671 billion, or 2.15% year-on-year[13] - The net fee and commission income for the first nine months of 2024 was CNY 29.353 billion, a year-on-year decrease of CNY 4.762 billion, or 13.96%[14] - The credit impairment losses for the nine months ended September 30, 2024, amount to RMB 44,841 million[26] Cash Flow and Investments - Cash flow from operating activities before changes in operating assets and liabilities was RMB 55,102 million, down from RMB 59,955 million in the previous year, a decrease of 8.93%[35] - The net cash flow from investing activities was RMB (1,154) million, a significant improvement compared to RMB (78,905) million in the same period of 2023[37] - Cash and cash equivalents at the end of the period stood at RMB 160,261 million, compared to RMB 191,589 million at the end of the previous year, indicating a decrease of 16.27%[37]

Core Viewpoint - The president of Bank of Communications, Zhang Baojiang, emphasized the importance of the bank's role in supporting the construction of Shanghai as an international financial center and promoting high-level financial openness in China [1] Group 1: Opportunities in Financial Openness - The digitalization and green transformation of global trade present opportunities for institutional financial openness and cooperation, with over 57% of global trade exports being digitally delivered and over 20% being green trade in 2022 [1] - China's cross-border e-commerce import and export scale reached nearly 2.4 trillion yuan in 2023, positioning the country at the forefront of global green trade [1] - The ongoing institutional openness in areas like cross-border data flow requires support from high-level financial openness, which also provides a significant direction for institutional cooperation [1] Group 2: Cross-Border Financial Demand - Chinese enterprises are accelerating their internationalization, leading to increased cross-border financial demand, with foreign direct investment from China growing by 13.2% year-on-year in the first half of the year [1][2] - The bank aims to provide comprehensive services for both inbound and outbound investments, which is a crucial aspect of high-level financial openness in the new era [1][2] Group 3: Renminbi Internationalization - The internationalization of the Renminbi has entered a new phase, with the currency becoming increasingly important in international payments and digital Renminbi making significant progress in application scenarios and cross-border pilots [2] - The bank has a history of collaboration with HSBC since 2004 and has been involved in key milestones in cross-border Renminbi settlement and financial market connectivity [2] Group 4: Services and Innovations - The bank is actively exploring cooperation in digital and green trade, targeting high-standard international trade rules and focusing on areas like cross-border data flow and paperless trade [2][3] - The bank has seen a 166% year-on-year increase in cross-border e-commerce business volume in the first half of the year [2] - The bank is enhancing cross-border investment and financing support through various collaborations, including attracting foreign capital for domestic technology enterprises [2][3] Group 5: Risk Management and Market Connectivity - The bank has been a pioneer in opening up bond markets and has maintained a leading position in settlement and clearing scales, promoting connectivity between Shanghai and Hong Kong markets [3] - The bank emphasizes the importance of cross-border risk management and has established a unified management system to mitigate risks [3] Group 6: Future Directions - The bank plans to deepen cooperation across multiple fields and fully integrate into the broader context of high-level financial openness, contributing to the modernization of China [3]

为进一步推进反洗钱知识普及，提升老年群体对反洗钱知识的认知和理解，近日，交通银行深圳华侨城 支行在深圳市南山区沙河街道明珠街社区长者服务中心举办了"远离洗钱犯罪，维护金融安全，守护美 好生活"为主题的宣传活动。 活动中，来自交通银行深圳分行的工作人员结合生活中常见的反洗钱、非法集资、电信网络诈骗案例， 通过小视频和通俗易懂的语言为老年朋友们进行了讲解，让他们掌握了如何防范洗钱犯罪等实用知识。 现场反响热烈，居民们纷纷分享自身经历，并就日常生活中遇到的可疑事件提出问题，银行工作人员一 一进行了解答。 活动还特别设置了艾草按摩捶DIY环节，工作人员为大家介绍了艾草按摩捶的养生功效和按摩方法，并 现场与老年朋友们一起制作养生捶、做养生操，在轻松愉快的氛围中享受到健康与快乐。大家纷纷表 示，此次活动不仅让他们学到了反洗钱金融知识，还让他们感受到了来自银行和社会的关爱与温暖。 未来，交通银行深圳分行将继续秉承"以客户为中心"的服务理念，积极履行社会责任，为社区居民提供 更加优质、便捷、有温度的适老化金融服务，助力提升银发族群幸福感。(CIS) ...

Group 1 - The 2024 "Data Element ×" competition in Guangdong successfully concluded, focusing on data application challenges in key industries, with 1,131 projects participating [1] - The project "Financial Service Model and Data Application for Modern Agricultural Industry in Shenzhen," co-developed by the Shenzhen branch of the Bank of Communications and several local institutions, won the Excellent Award in the modern agriculture track [1] - The Shenzhen branch of the Bank of Communications has leveraged its innovation in financial technology to explore feasible and replicable paths for financing agricultural enterprises through data elements, supporting 330,000 agricultural SMEs in Shenzhen [1] Group 2 - The bank has established a multi-layered, precise supply chain financial service system and a data-based credit risk control system, creating ten fixed loan models and proactive credit granting models to meet the financing needs of modern agricultural enterprises [1] - The bank aims to continue focusing on serving the real economy and increasing financial innovation to support more agricultural enterprises, contributing to agricultural modernization and rural revitalization [1]

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通告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本通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） 董事會會議通告 茲通知交通銀行股份有限公司（「本行」）董事會（「董事會」）將於二零二四年十月 三十日（星期三）舉行董事會會議，藉以審議及批准（其中包括）本行及其附屬公司 截至二零二四年九月三十日止九個月之未經審核季度業績。 承董事會命 交通銀行股份有限公司 何兆斌 公司秘書 中國上海 2024年10月17日 於本公告發佈之日，本行董事為任德奇先生、張寶江先生、殷久勇先生、 周萬阜先生、李龍成先生*、汪林平先生*、常保升先生*、廖宜建先生*、 陳紹宗先生 *、穆國新先生 *、陳俊奎先生 *、羅小鵬先生 *、石磊先生 # 、 張向東先生 # 、李曉慧女士 # 、馬駿先生 # 、王天澤先生 # 及肖偉先生 # 。 * 非執行董事 # 獨立非執行董事 ...

Investment Rating - The report upgrades the investment rating of the company to "Buy" [1][4][7] Core Views - The company reported a total operating income of 132.35 billion yuan, a year-on-year decrease of 3.51%, and a net profit attributable to shareholders of 45.29 billion yuan, a year-on-year decrease of 1.63% [4] - The annualized weighted ROE stands at 9.29%, down by 0.87 percentage points year-on-year [4] - Interest income showed stable growth, while non-interest income was a major drag on revenue [4] - The loan structure has been optimized, and the net interest margin has rebounded quarter-on-quarter [4] - The company’s non-performing loan ratio decreased to 1.32%, with a provision coverage ratio of 204.82% [4] Summary by Sections Financial Performance - The company achieved an operating income of 132.35 billion yuan, down 3.51% year-on-year, and a net profit of 45.29 billion yuan, down 1.63% year-on-year [4] - Interest income was 84.23 billion yuan, up 2.24% year-on-year, while non-interest income was 48.11 billion yuan, down 12.15% year-on-year [4] - The company’s net interest margin was 1.29%, down 2 basis points year-on-year, but up 2 basis points from the previous quarter [4] Loan Structure and Asset Quality - The loan balance at the end of the reporting period was 8.27 trillion yuan, an increase of 3.90% from the end of the previous year [4] - The composition of loans includes corporate loans at 65.94%, personal loans at 30.91%, and bills at 3.15% [4] - The non-performing loan ratio decreased to 1.32%, while the provision coverage ratio increased to 204.82% [4] Future Projections - Projected operating income for 2024-2026 is 255.07 billion yuan, 260.40 billion yuan, and 269.34 billion yuan respectively [5] - Projected net profit for the same period is 91.50 billion yuan, 93.81 billion yuan, and 97.29 billion yuan respectively [5] - The projected book value per share (BVPS) for 2024-2026 is 15.43 yuan, 16.66 yuan, and 17.94 yuan respectively, with corresponding price-to-book (PB) ratios of 0.44, 0.41, and 0.38 [5]