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: 2024年9月30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 呈交日期: 2024年10月8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 ...

2024中期報告 創造共同 價 值 交 通 銀 行 股 份 有 限 公 司 2 0 2 4 中 200120 www.bankcomm.com www.bankcomm.cn 交通銀行股份有限公司 二零二四年中期報告H股 期 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 重要提示 本中期報告分別以中英文編制，在對中英文文本的理解上發生歧義時，以中文文本為準。 一、本行董事會、監事會及董事、監事、高級管理人員保證半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十七次會議於2024年8月28日審議批准了2024年半年度報告和業績公告。出席會議應 到董事18名，親自出席董事18名。 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：保證半年度報 告中財務報告的真實、準確、完整。 四、本半年度報告未經審計。 五、經董事會審議的2024年半年度利潤分配預案：以報告期末本行已發行普通股總股份742.63億股為基數，向 ...

Financial Performance - The net profit attributable to the parent company's shareholders for the first half of 2024 was RMB 45.287 billion, a decrease of 1.63% year-on-year[15]. - The net operating income for the same period was RMB 132.550 billion, down 3.46% year-on-year, while net interest income increased by 2.24% to RMB 84.234 billion[15]. - The total operating income for the first half of 2024 was RMB 132.550 billion, reflecting a decline of 3.46% from RMB 137.307 billion in the previous year[17]. - The net profit attributable to shareholders was RMB 45.287 billion, down 1.63% from RMB 46.039 billion in the same period last year[17]. - The pre-tax profit for the Yangtze River Delta region was 20,911 million RMB, accounting for 43.86% of total pre-tax profit[60]. - The total net operating income for the first half of 2024 was 132,550 million RMB, a decrease from 137,307 million RMB in the same period of 2023[64]. - The bank reported a pre-tax profit of RMB 47,678 million, a decrease of 4.0% compared to RMB 49,674 million in the first half of 2023[198]. - The net profit for the period was RMB 45,825 million, down 1.6% from RMB 46,566 million in the same period last year[198]. Risk Management - The bank's management emphasizes the importance of risk management, facing credit risk, market risk, operational risk, and compliance risk, with ongoing measures to effectively control these risks[2]. - The bank has strengthened its risk management framework, focusing on credit, market, operational, liquidity, and technology risks, while enhancing its risk governance capabilities[108]. - The bank is advancing its digital transformation in risk management, aiming to improve risk data management and the intelligence of risk management systems[110]. - The bank's overdue loans accounted for a higher proportion compared to the beginning of the year, with overdue loans over 90 days constituting 69.04% of non-performing loans[111]. - The bank has implemented a comprehensive risk management and internal control committee to oversee risk conditions across the organization[109]. - The bank's market risk management focuses on interest rate and exchange rate risks, with ongoing improvements to the risk management system[123]. - The group is committed to enhancing compliance management systems and capabilities, particularly in anti-money laundering and data governance[127]. Digital Transformation and Innovation - The bank continues to focus on digital transformation and innovation to drive high-quality development[12]. - The bank's digital service brand "Cloud Bank" aims to meet customer digital service needs through remote video services and online service models[5]. - The bank is exploring potential mergers and acquisitions to enhance its market presence in Southeast Asia[194]. - The bank plans to expand its digital banking services, aiming for a 20% increase in online customer engagement by the end of 2024[194]. - The bank is investing in new technology to enhance its financial services, with a budget allocation of 200 million for R&D in 2024[194]. - The bank is enhancing its digital education and training capabilities through the development of an online "smart campus" platform[166]. Customer and Market Presence - The total customer loan balance reached RMB 8.267 trillion, an increase of RMB 310.649 billion or 3.90% compared to the end of the previous year[15]. - Customer deposits amounted to RMB 8.650 trillion, rising by RMB 98.901 billion or 1.16% from the end of the previous year[15]. - The number of retail customers reached 195 million, a year-on-year increase of 1.35%, with AUM growing by 5.29% to CNY 5.27 trillion[77]. - The cumulative number of corporate online banking clients increased by 5.30% year-on-year, while the cumulative transaction clients grew by 9.99%[101]. - The bank's overseas loan balance was 342,101 million RMB, accounting for 4.14% of total loans[61]. - The bank's comprehensive financial service system includes commercial banking, financial leasing, funds, wealth management, trust, insurance, and overseas securities, enhancing service capabilities[89]. Asset and Liability Management - The total assets of the group at the end of June 2024 were RMB 14.178 trillion, reflecting a growth of 0.84% from the end of 2023[13]. - The capital adequacy ratio stood at 16.34%, up 1.07 percentage points from the previous year[13]. - The total liabilities of the group reached RMB 13,058.62 billion as of June 30, 2024, an increase of RMB 97.60 billion or 0.75% compared to the end of 2023[54]. - The liquidity ratio as of June 30, 2024, was 65.30%, exceeding the regulatory standard of 25%[125]. - The average liquidity coverage ratio for Q2 2024 was 143.72%, with the net stable funding ratio at 111.50% at the end of Q2[125]. Governance and Compliance - The board of directors approved the interim report and performance announcement on August 28, 2024, with all 18 directors present at the meeting[2]. - The bank's governance structure includes a commitment to the accuracy and completeness of the financial report by the chairman and senior management[2]. - The bank's governance adhered to the corporate governance code, with most best practices being followed[163]. - The audit committee consists of 7 members, with independent director Ms. Li Xiaohui serving as the chairperson[186]. - The bank has appointed KPMG Huazhen LLP for auditing financial statements prepared under Chinese accounting standards and KPMG for international financial reporting standards[188]. Shareholder Information - The total number of ordinary shares of the company is 74,262,726,645, with A-shares accounting for 52.85% and H-shares for 47.15%[136]. - The total number of ordinary shareholders is 277,228, with 247,301 holding A-shares and 29,927 holding H-shares[138]. - The Ministry of Finance holds 17.75% of A-shares and 6.13% of H-shares, making it a significant shareholder[138]. - The company has a total of 39,250,864,015 A-shares and 35,011,862,630 H-shares, all of which are tradable without restrictions[137]. - The total net amount of related party transactions with HSBC and its affiliates is 16.256 billion yuan, while non-credit related transactions amount to 1.167 billion yuan[142]. Green Finance Initiatives - The bank emphasizes green finance as a core aspect of its business strategy, aligning with national goals for carbon neutrality[168]. - The bank's green finance development committee reviewed the 2023 green finance report and set targets for 2024[169]. - The bank issued the "Green Finance Action Plan (2024-2025)" outlining four action goals and 30 specific measures[170]. - Green loans reached CNY 10,870.998 billion, an increase of CNY 48.956 billion or 5.96% compared to the end of the previous year[172]. - The company increased investments in clean energy and environmental protection industries by CNY 1 billion during the reporting period[173].

股票代码：601328 股票简称：交通银行 编号：临 2024-037 交通银行股份有限公司 关于对 2019 年无固定期限资本债券 行使赎回权的公告 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。 根据募集说明书相关条款的规定，本期债券设有发行人赎回权，本公司有权 在第5年末，即2024年9月20日按面值一次性部分或全部赎回本期债券。 截至2024年9月20日，本公司已行使赎回权，全额赎回本期债券。 特此公告 交通银行股份有限公司董事会 2024 年 9 月 20 日 2019年9月18日至20日，本公司在全国银行间债券市场发行规模为人民币400 亿元的无固定期限资本债券（以下简称"本期债券"），并于2019年9月20日发 布《交通银行股份有限公司关于成功发行无固定期限资本债券的公告》（编号： 临 2019-046）。 ...

交通銀行股份有限公司 Bank of Communications Co., Ltd. （股份代號：03328） 董事會成員名單及其職務 | 姓名 | 目前所任職務 | | --- | --- | | 任德奇 | 董事長、執行董事、戰略委員會（普惠金融發展委員會）主 | | | 任委員 | | 張寶江 | 副董事長、執行董事、社會責任(ESG)與消費者權益保護 | | | 委員會主任委員、戰略委員會（普惠金融發展委員會）委員 | | 殷久勇 | 執行董事、風險管理與關聯交易控制委員會委員 | | 周萬阜 | 執行董事、社會責任(ESG)與消費者權益保護委員會委員 | | 李龍成 | 非執行董事、審計委員會委員、人事薪酬委員會委員 | | 汪林平 | 非執行董事、戰略委員會（普惠金融發展委員會）委員、風 | | | 險管理與關聯交易控制委員會委員 | | 常保升 | 非執行董事、審計委員會委員、社會責任(ESG)與消費者 | | | 權益保護委員會委員 | | 廖宜建 | 非執行董事、人事薪酬委員會委員 | | 陳紹宗 | 非執行董事、社會責任(ESG)與消費者權益保護委員會委 | | | 員 | | 穆國新 ...

股票代码：601328 股票简称：交通银行 编号：临 2024-036 1 示衷心感谢！ 特此公告 交通银行股份有限公司董事会 2024 年 9 月 12 日 交通银行股份有限公司 关于董事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。 本公司近日收到《国家金融监督管理总局关于肖伟交通银行独立董事任职资 格的批复》（金复〔2024〕596 号）,肖伟先生任本公司独立董事的任职资格已获 国家金融监督管理总局核准生效。 肖伟先生的简历，详见本公司 2024 年 6 月 6 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 2023 年度股东大会资料》。 根据本公司第十届董事会第十三次会议决议，肖伟先生自国家金融监督管理总局 核准其董事任职资格之日起，担任本公司董事会人事薪酬委员会主任委员、董事 会风险管理与关联交易控制委员会委员。 根据本公司第十届董事会第十三次会议决议，肖伟先生的独立董事任职资格 获核准后，蔡浩仪 ...

Investment Rating - The investment rating for the company is "Outperform the Market" and is maintained [2][6][8] Core Views - The report highlights that the company's net interest margin has increased quarter-on-quarter, with a significant decrease in the non-performing loan ratio for corporate loans. The overall asset quality remains stable, and there has been an increase in total credit issuance, particularly in inclusive loans, leading to the maintenance of the "Outperform the Market" rating [5][6][8] Financial Performance Summary - For the first half of 2024, the company's revenue decreased by 3.5% year-on-year, while net profit attributable to shareholders fell by 1.6%. The net interest income increased by 2.24 percentage points, accounting for 63.65% of total revenue. The net interest margin for the first half of 2024 was 1.29%, up from 1.27% in the previous quarter [5][6][7] - The company plans to distribute a mid-term dividend of 0.182 yuan per share (before tax) [5][6] Asset Quality and Loan Growth - The non-performing loan ratio slightly decreased to 1.32% in the second quarter of 2024, with the corporate loan non-performing ratio dropping by 11 basis points to 1.54% compared to the end of 2023. The company has intensified efforts to recover non-performing assets, resolving 29.59 billion yuan in non-performing loans in the first half of 2024 [5][6][7] - As of the second quarter of 2024, total loans increased by 6.1% year-on-year, with inclusive loans for small and micro enterprises growing by 15.74% compared to the end of 2023 [6][7][8] Earnings Forecast - The forecasted EPS for 2024-2026 is 1.13, 1.17, and 1.22 yuan, with net profit growth rates of -1.25%, 2.77%, and 3.92% respectively. The report estimates a reasonable value range of 7.54 to 7.83 yuan based on the DDM and PB-ROE models [6][7][8]

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。 为进一步加强与投资者的互动交流，本公司将参加由上海上市公司协会与深 圳市全景网络有限公司联合举办的"2024 年上海辖区上市公司集体接待日暨中 报业绩说明会"，现将相关事项公告如下： 股票代码：601328 股票简称：交通银行 编号：临2024-035 交通银行股份有限公司 关于参加 2024 年上海辖区上市公司 集体接待日暨中报业绩说明会的公告 交通银行股份有限公司董事会 2024 年 9 月 9 日 本次活动将采用网络远程的方式举行，投资者可登录"全景路演"网站 （https://rs.p5w.net/html/143790.shtml），或关注微信公众号：全景财经， 或下载全景路演 APP,参与本次互动交流，活动直播时间为 2024 年 9 月 13 日（周 五） 14:00-16:30。届时本公司高管将在线与投资者进行沟通与交流，欢迎广大 投资者踊跃参与！ 特此公告 ...

Investment Rating - The report maintains a "Buy" rating for the company, suggesting a positive outlook for investment opportunities [5]. Core Insights - The bank's net interest income increased by 2.7% quarter-on-quarter, driven by a stabilization in net interest margin, although non-interest income has negatively impacted net profit growth [3][7]. - The bank's asset quality remains stable, with provisions increasing, and the non-performing loan ratio holding steady at 1.32% [23]. - The bank's loan growth is primarily focused on infrastructure projects, with a notable increase in personal loans, while deposit levels have seen a significant decline [15][16]. Summary by Sections Financial Performance - Total revenue for 2023 is projected at 240,219 million, with a slight decline of 0.9% year-on-year [3]. - Net profit for 2023 is estimated at 92,177 million, reflecting a modest growth of 0.6% year-on-year [3]. - Earnings per share (EPS) is expected to be 0.99, with a return on equity (ROE) of 10.53% [3]. Net Interest Income - In Q2, net interest income rose by 2.7%, with the net interest margin increasing by 3 basis points to 1.28% [4][13]. - The asset yield decreased by 5 basis points to 3.41%, while the liability cost fell by 8 basis points to 2.24% [4][13]. Loan and Deposit Growth - In Q2, the bank's loan issuance totaled 645.1 billion, a decrease of 497.9 billion year-on-year, with a focus on personal loans [15]. - The bank's total deposits decreased by 1818.5 billion in Q2, with a significant drop in corporate deposits [16][20]. Asset Quality - The non-performing loan ratio remained stable at 1.32%, with a slight increase in the overdue rate to 1.45% [23]. - The provision coverage ratio improved to 207.29%, indicating a stronger buffer against potential loan losses [23]. Non-Interest Income - Non-interest income saw a significant decline of 16.9% year-on-year, primarily due to reduced income from agency services and investment banking [21][22]. - The bank's fee income from various services, including credit card and investment banking, experienced substantial drops [21][22]. Investment Recommendations - The report suggests that the bank's valuation metrics, such as price-to-earnings (P/E) and price-to-book (P/B) ratios, indicate an attractive investment opportunity, with P/B ratios projected at 0.54X for 2024 [5].

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 FF301 截至月份: 2024年8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 | 股份類別 | A | | | ...