交通银行股份有限公司全球系统重要性评估指标 （截至 2023 年 12 月 31 日） （以人民币百万元列示） 注：根据《商业银行全球系统重要性评估指标披露指引》口径计算。 | 全球系统重要性评估指标 | 本集团 | | --- | --- | | 调整后的表内外资产余额 | 15,414,714 | | 金融机构间资产 | 1,336,652 | | 金融机构间负债 | 1,666,820 | | 发行证券和其他融资工具 | 1,896,489 | | 通过支付系统或代理行结算的支付额 | 302,329,959 | | 托管资产 | 13,738,723 | | 有价证券承销额 | 717,816 | | 固定收益类证券交易量 | 4,866,530 | | 权益类和其他证券交易量 | 293,147 | | 场外衍生品名义本金 | 7,841,708 | | 交易类和可供出售证券 | 666,751 | | 第三层次资产 | 106,713 | | 跨境债权 | 1,045,193 | | 跨境负债 | 897,470 | ...

股票代码：601328 股票简称：交通银行 编号：临2024-011 交通银行股份有限公司 第十届监事会第九次会议决议公告 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九次会议于2024年4月26日上午以现 场和视频会议相结合的方式，在上海、大庆、北京、新加坡召开。本公司于2024 年4月12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》的有关规定。 二、监事会会议审议情况 （一）关于2024年第一季度报告及业绩公告的决议 会议审议通过了关于2024年第一季度报告及业绩公告的议案，会议认为本公 司2024年第一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 ...

股票代码：601328 股票简称：交通银行 编号：临2024-010 表决情况：同意 18 票，反对 0 票，弃权 0 票 交通银行股份有限公司 第十届董事会第十三次会议决议公告 交通银行股份有限公司（以下简称"交通银行"或"本公司"）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。 一、董事会会议召开情况 本公司第十届董事会第十三次会议于 2024 年 4 月 26 日以现场和视频相结合 的方式，在上海、香港和北京召开。本公司于 2024 年 4 月 12 日以书面方式向全 体董事和监事发出本次会议通知和文件。任德奇董事长主持会议。出席会议应到 董事 18 名，亲自出席董事 16 名，委托出席董事 2 名，刘珺执行董事、殷久勇执 行董事因其他公务，均书面委托任德奇董事长出席会议并代为行使表决权。部分 监事及高管列席会议。本次会议的召开符合《中华人民共和国公司法》等法律法 规和《交通银行股份有限公司章程》的规定。 二、董事会会议审议情况 （一）关于 2024 年第一季度报告及业绩公告的决议 会议审议批准了《2024 年第一季度报告及 ...

股票代码：601328 股票简称：交通银行 编号：临2024-013 交通银行股份有限公司董事会 2024 年 4 月 26 日 交通银行股份有限公司关于参加 2024 年上海辖区 上市公司年报集体业绩说明会的公告 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。 特此公告 为进一步加强与广大投资者的沟通交流，本公司将参加"2024 年上海辖区 上市公司年报集体业绩说明会"活动，现将有关事项公告如下： 本次年报集体业绩说明会活动将采取网络的方式举行，投资者可以登录"上 证路演中心"网站（https://roadshow.sseinfo.com）或关注微信公众号上证路 演中心参与活动，活动时间为 2024 年 5 月 10 日（周五）15:00 至 16:00。 届时本公司何兆斌董事会秘书、刘建军首席风险官将通过网络在线交流形式， 与投资者就公司治理、发展战略、经营状况、可持续发展等投资者关注的问题进 行沟通。欢迎广大投资者积极参与。 ...

Financial Performance - Net profit attributable to shareholders for Q1 2024 was RMB 24,988 million, up 1.44% from RMB 24,633 million in Q1 2023[3] - Operating revenue for Q1 2024 was RMB 67,059 million, a slight decrease of 0.03% from RMB 67,079 million in the same period last year[3] - Basic earnings per share for Q1 2024 were RMB 0.34, up 3.03% from RMB 0.33 in Q1 2023[3] - Total profit for Q1 2024 reached CNY 27,349 million, up from CNY 26,402 million in Q1 2023, indicating an increase of 3.6%[29] - The bank's total comprehensive income for Q1 2024 was CNY 26,434 million, an increase from CNY 24,140 million in Q1 2023, representing a rise of 9.5%[30] - Investment income rose to CNY 6,481 million in Q1 2024 from CNY 5,947 million in Q1 2023, marking an increase of 8.9%[28] Assets and Liabilities - Total assets as of March 31, 2024, reached RMB 14,238,091 million, an increase of 1.26% from RMB 14,060,472 million at the end of 2023[3] - Total liabilities amounted to RMB 13,112,273 million, an increase from RMB 12,961,022 million at the end of 2023[25] - The bank's total equity reached RMB 1,125,818 million, compared to RMB 1,099,450 million at the end of 2023, indicating a growth of approximately 2.4%[26] Customer Loans and Deposits - Customer loans amounted to RMB 8,203,223 million, reflecting a growth of 3.09% compared to RMB 7,957,085 million in December 2023[3] - Customer deposits totaled RMB 8,679,901 million, an increase of 1.50% from RMB 8,551,215 million at the end of 2023[3] - Customer loan balance was CNY 8,203.22 billion, an increase of 3.09% compared to the end of the previous year[17] - Customer deposit balance was CNY 8,679.90 billion, an increase of 1.50% compared to the end of the previous year[19] Non-Performing Loans - Non-performing loan balance was CNY 108.38 billion, an increase of 2.54% year-on-year, with a non-performing loan ratio of 1.32%[20] - The NPL for corporate loans was RMB 85,746 million with a ratio of 1.58%, while personal loans had an NPL of RMB 22,618 million and a ratio of 0.90%[23] - The bank's total non-performing loans stood at RMB 108,377 million, slightly up from RMB 105,688 million at the end of 2023[23] Cash Flow - The net cash flow from operating activities for Q1 2024 was RMB (125,760) million, a decrease of RMB 2,587.37 million compared to RMB 132,977 million in Q1 2023[6] - The net cash flow from operating activities was a loss of 150,319 million RMB, compared to a gain of 96,341 million RMB in the same period last year[35] - The total cash inflow from operating activities was 421,415 million RMB, down from 842,980 million RMB year-on-year[35] - The net cash flow from investment activities was a gain of 69,284 million RMB, recovering from a loss of 85,311 million RMB in the same period last year[36] Capital Adequacy - The capital adequacy ratio at the end of the reporting period was 16.09%, with a Tier 1 capital ratio of 12.40% and a core Tier 1 capital ratio of 10.44%, all meeting regulatory requirements[37] Operating Expenses - The bank's total operating expenses decreased to CNY 39,767 million in Q1 2024 from CNY 40,804 million in Q1 2023, a reduction of 2.5%[28] - The company maintained a cost-to-income ratio of 29.25%, a decrease of 0.58 percentage points year-on-year[15]

交通银行股份有限公司独立董事候选人声明 本人肖伟，已充分了解并同意由提名人交通银行股份有 限公司董事会提名为交通银行股份有限公司（以下简称"该 公司"）第十届董事会独立董事候选人。本人公开声明，本 人具备独立董事任职资格，保证不存在任何影响本人担任该 公司独立董事独立性的关系，具体声明如下： 一、本人具备上市公司运作的基本知识，熟悉相关法律、 行政法规、部门规章及其他规范性文件，具有 5 年以上法律、 经济、财务、管理或者其他履行独立董事职责所必需的工作 经验。 二、本人任职资格符合下列法律法规和部门规章的要求： （一）《中华人民共和国公司法》关于董事任职资格的 规定； （二）《中华人民共和国公务员法》关于公务员兼任职 务的规定（如适用）； （三）中国证监会《上市公司独立董事管理办法》、上 海证券交易所自律监管规则以及公司章程有关独立董事任 职资格和条件的相关规定； （四）中共中央纪委、中共中央组织部《关于规范中管 干部辞去公职或者退（离）休后担任上市公司、基金管理公 司独立董事、独立监事的通知》的规定（如适用）； （五）中共中央组织部《关于进一步规范党政领导干部 在企业兼职（任职）问题的意见》的相关规定（如 ...

Financial Performance - Net operating income for Q1 2024 was RMB 67,201 million, slightly up by 0.05% compared to RMB 67,169 million in Q1 2023[3] - Pre-tax profit was RMB 27,349 million, a 3.59% increase from RMB 26,402 million year-over-year[3] - Net profit attributable to shareholders was RMB 24,988 million, reflecting a 1.44% increase from RMB 24,633 million in the same period last year[3] - Basic earnings per share were RMB 0.34, up 3.03% from RMB 0.33 in Q1 2023[3] - The company reported a net profit of RMB 25,253 million for the first quarter of 2024, up from RMB 24,951 million in the same quarter of 2023[24] - The total fee and commission income for the first quarter of 2024 was RMB 12,838 million, down from RMB 13,774 million in the same period of 2023[24] - The company’s basic and diluted earnings per share for the first quarter of 2024 were RMB 0.34, slightly up from RMB 0.33 in the same period of 2023[27] Assets and Liabilities - As of March 31, 2024, total assets amounted to RMB 14,238,091 million, reflecting a 1.26% increase from RMB 14,060,472 million as of December 31, 2023[3] - Total liabilities were RMB 13,112,273 million, an increase of 1.17% from RMB 12,961,022 million[3] - The total equity attributable to shareholders increased to RMB 1,114,564 million from RMB 1,088,030 million, marking a rise of about 2.45%[30] Customer Loans and Deposits - Customer loans reached RMB 8,203,223 million, up 3.09% from RMB 7,957,085 million in the previous period[3] - Customer deposits increased to RMB 8,679,901 million, representing a 1.50% growth from RMB 8,551,215 million[3] - Customer loan balance was CNY 8,203.223 billion, an increase of CNY 246.138 billion or 3.09% from the end of the previous year[16] - Customer deposit balance reached CNY 8,679.901 billion, up by CNY 128.686 billion or 1.50% year-on-year[17] Income and Expenses - Net interest income amounted to CNY 41.558 billion, up by CNY 0.910 billion or 2.24% year-on-year[12] - The company’s financial investments received interest income of RMB 23,449 million, up from RMB 19,975 million year-over-year[32] - Net fee and commission income decreased to CNY 11.879 billion, down by CNY 0.806 billion or 6.35% year-on-year[13] Non-Performing Loans and Provisions - Non-performing loan balance increased to CNY 108.377 billion, a rise of CNY 2.689 billion or 2.54% compared to the previous year[18] - The provision coverage ratio improved to 197.05%, an increase of 1.84 percentage points year-on-year[18] - As of March 31, 2024, the total loan balance reached RMB 8,203,223 million, with a non-performing loan (NPL) ratio of 1.32%, slightly improved from 1.33% at the end of 2023[20] - The total amount of overdue loans was RMB 114,397 million, with an overdue loan ratio of 1.39% as of March 31, 2024, compared to 1.38% at the end of 2023[19] Cash Flow - Net cash flow from operating activities showed a significant decrease to RMB (125,760) million for the three months ended March 31, 2024, compared to RMB 132,977 million for the same period in 2023[31] - Cash and cash equivalents decreased to RMB 183,889 million as of March 31, 2024, down from RMB 299,921 million at the end of the previous period[32] - Investment activities generated a net cash inflow of RMB 52,881 million, a recovery from a net outflow of RMB (101,697) million in the same period last year[32] Return on Equity and Assets - The weighted average return on equity (annualized) decreased to 10.79%, down 0.68 percentage points from 11.47%[3] - The annualized average return on assets was 0.71%, a decrease of 0.04 percentage points year-on-year[11] - The capital adequacy ratio stood at 16.09%, with a Tier 1 capital ratio of 12.40% and a core Tier 1 capital ratio of 10.44%, all meeting regulatory requirements[21]

Investment Rating - The investment rating for the company is "Buy" [4] Core Insights - The report highlights that the company has been a benchmark in the banking sector over the past three years, with a cumulative increase of 75% from 2021 to Q1 2024, reflecting a significant valuation change in the sector. Although the return on equity (ROE) for state-owned banks is still declining, the long-standing undervaluation is beginning to recover comprehensively. If ROE confirms a bottom in line with the economic cycle, the valuation rebound could be even more pronounced [2][5][11] - The company has shown significant improvement in asset quality over the past three years, with a non-performing loan (NPL) ratio decreasing by 35 basis points to 1.33% by the end of 2023, aligning with the average of the four major state-owned banks. The report emphasizes that the company's asset quality is expected to continue improving, supporting stable profitability [5][20][31] Summary by Sections Banking Sector Changes - The company has led the banking sector with a 75% increase since 2021, indicating a recovery from previous undervaluation. The report suggests that the current market dynamics are shifting towards high-dividend assets, with the company's dividend yield exceeding government bond yields by 344 basis points as of April 8, 2024 [5][15] Asset Quality Improvement - The company has successfully completed a three-year asset quality improvement initiative, resulting in a significant reduction in the NPL ratio and an increase in the provision coverage ratio to 195% by the end of 2023. The report notes that the company benefits from its strong presence in the economically developed Yangtze River Delta region, which contributes to its stable asset quality [17][20][31] Loan Portfolio and Risk Management - The report indicates that the company's corporate loan NPL ratio is lower than that of its peers, attributed to its focus on economically developed regions. The real estate sector accounts for 6.1% of the company's corporate loans, with an NPL ratio of 4.99%, which is still below the average of the four major banks. The report anticipates that the risks associated with real estate will be manageable due to the quality of projects in developed areas [32][34]

2023 創造共同 價 值 交 通 銀 行 股 份 有 限 公 司 2 0 2 3 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 二零二三年度報告H股 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十二次會議於2024年3月27日審議批准了交通銀行股份有限公司2023年度報告及摘 要。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劉珺先生及會計機構負責人陳隃先生聲明：保證年度報告中 財務報告的真實、準確、完整。 四、本集團按照中國會計準則編製的財務報表經畢馬威華振會計師事務所（特殊普通合夥）審計，按照國際財務 報告準則編製的財務報表經畢馬威會計師事務所審計，均出具了標準無保留意見的審計報告。 五、經董事會審議的2023年度利潤分 ...

Financial Performance - The bank's net interest income for 2023 was RMB 164,123 million, a decrease of 3.3% from RMB 169,882 million in 2022[16]. - The net operating income for 2023 was RMB 258,014 million, slightly up from RMB 257,346 million in 2022[16]. - The net profit attributable to shareholders for 2023 was RMB 92,728 million, an increase from RMB 92,102 million in 2022[16]. - Total assets reached RMB 14,060,472 million at the end of 2023, up from RMB 12,991,571 million in 2022[16]. - Customer loans increased to RMB 7,957,085 million in 2023, compared to RMB 7,294,965 million in 2022, reflecting a growth of 9.1%[16]. - Customer deposits rose to RMB 8,551,215 million in 2023, up from RMB 7,949,072 million in 2022, marking a growth of 7.6%[16]. - The bank's average return on assets for 2023 was 0.69%, down from 0.75% in 2022[16]. - The net profit for 2023 was RMB 278.49 billion, with a cash dividend of RMB 0.375 per share, representing 32.67% of the net profit[20]. - The core tier 1 capital increased to RMB 905.39 billion, up from RMB 840.16 billion in 2022, reflecting a growth of 7.0%[17]. - The non-performing loan ratio improved to 1.33%, a decrease of 0.02 percentage points compared to the previous year, while the provision coverage ratio rose to 195.21%, an increase of 14.53 percentage points[20]. Risk Management - The company has faced various risks including credit risk, market risk, operational risk, and compliance risk, and has implemented measures to effectively manage these risks[2]. - The company emphasizes the importance of risk awareness among investors regarding forward-looking statements and future plans[2]. - The bank aims to enhance its risk management capabilities by integrating AI frameworks for better risk identification and pricing[25]. - The bank's overall risk preference is established as "stable, balanced, compliant, and innovative," with strict control over various types of risks[135]. - The bank has strengthened risk identification and accelerated risk disposal, enhancing credit risk management in key areas[138]. - The bank's credit risk management framework has been continuously optimized to align with national strategies and regulatory requirements[138]. Digital Transformation and Innovation - The company reported a significant focus on digital transformation and wealth management solutions, aiming to enhance service offerings for corporate and individual clients[6]. - The company operates under the brand "Yuntong Wealth," providing comprehensive wealth management solutions through digital services[6]. - The bank aims to enhance its digital transformation and expand its services in green finance and inclusive finance[13]. - Digital transformation investments increased, with fintech talent comprising 8.29% of the total workforce[88]. - The bank's cloud layout continues to optimize, with the establishment of a T4 certified financial data center, enhancing its network security capabilities[131]. - The bank launched new products such as "Jingcai Loan" and "Employee Loan" to meet the financial needs of new citizens[130]. Governance and Compliance - The financial statements have been audited by KPMG, which issued standard unqualified audit opinions for both Chinese and international financial reporting standards[2]. - The company is committed to maintaining transparency and accuracy in its financial reporting, as stated by the chairman and senior management[2]. - The company emphasizes the importance of board diversity, considering factors such as skills, industry experience, and gender, with a goal of maintaining at least one female director[190]. - The company’s governance practices align with legal and regulatory requirements, with no significant discrepancies noted[185]. - The company has established various committees to enhance corporate governance, including risk management and consumer rights protection committees[184]. - The company is committed to improving its data governance and financial technology planning[199]. Customer and Market Development - The bank is actively expanding its market presence and enhancing its product offerings in response to evolving customer needs[6]. - The number of corporate clients grew by 8.18% year-over-year, reaching a total of 97,500 clients[89]. - The number of small and micro enterprise clients increased by 188,800, totaling 2,444,700 clients[89]. - The balance of inclusive small and micro enterprise loans grew by 29%, and the number of loan customers increased by 17% compared to the end of the previous year[19]. - The number of technology finance credit customers increased by 41.2%, with loans to strategic emerging industries growing by 31.12%[85]. - The bank's total loan balance was CNY 7.957 trillion, with a slight increase from CNY 7.295 trillion in the previous year[139]. Awards and Recognition - The bank has been recognized with multiple awards, including the Best Personal Mobile Banking Award and the Best Corporate Mobile Banking Award in 2023[14]. Shareholder Information - As of the end of the reporting period, the total number of ordinary shares is 74,262,726,645, with A-shares accounting for 52.85% and H-shares for 47.15%[163]. - The total number of ordinary shareholders at the end of the reporting period is 308,784, with A-share holders numbering 278,402 and H-share holders 30,382[165]. - The Ministry of Finance is the largest shareholder, holding 17,732,424,445 shares, which represents 23.88% of the total shares[169]. - HSBC Holdings plc is the second largest shareholder, with 14,135,655,913 shares, accounting for 19.03% of the total shares[169]. - The National Social Security Fund holds 12,148,857,900 shares, representing 16.36% of the total shares[169].