Group 1: Project Reserve and Credit Growth - The bank has initiated the 2026 credit project reserve work, aiming for steady growth in annual credit scale [1] - The focus is on actively identifying customer needs and promoting project implementation for early returns [1] Group 2: Income Diversification Strategies - The bank is enhancing its income sources by focusing on wealth management and multi-category asset allocation [1] - New business areas such as government bond sales, non-financial corporate bond underwriting, and custody services are being developed to expand income [1] Group 3: Provision Coverage Ratio - As of September 2025, the group's provision coverage ratio stands at 420.59%, indicating strong risk mitigation capacity [2] - The bank plans to maintain a stable provision coverage ratio by adhering to prudent principles in provisioning [2]

在今日下午的2025年上海辖区上市公司集体接待日暨中报业绩说明会上，交通银行执行董事、副行长周 万阜针对有关"公司下半年信贷投放储备情况如何？是否有利于提高息差？"提问表示，交行一直以来高 度重视信贷项目储备，认真落实金融服务实体经济高质量发展相关要求，全力推动项目储备扩容提 质。"目前看，我们三、四季度项目储备和需求总体保持平稳，项目储备重点聚焦'两重''两新'、制造 业、普惠金融、绿色发展、科技创新、乡村振兴等重点领域，进一步强化推动力度。同时，交行也结合 各地方产业经济结构和产业特色，储备了一批重点优质项目。"中报显示，今年上半年，交通银行的客 户贷款利息收入1,383.25亿元，同比减少123.96亿元，降幅8.22%，主要由于客户贷款年化平均收益率同 比下降57个基点。 ...