为切实提升小微商户及个体工商户的金融素养与风险防范能力，助力实体经济发展，我行于2025年9月 18日深入潍坊小商品城，以"保障金融权益 助力美好生活"为主题的金融教育宣传周系列活动。本次活 动旨在聚焦商户经营中的实际金融需求，提供精准化、实用化的金融知识普及与服务。 一、立足商圈特点，精心筹备部署 小商品城商户云集，交易活跃，个体经营者和小微企业主集中，其对支付结算、融资信贷、资金管理及 风险防范等方面的知识需求尤为突出。我行高度重视此次宣传的针对性与实效性，最终确定了以"安全 支付、理性借贷、防范诈骗、优化融资"为核心内容的宣传方案，并准备了大量通俗易懂的宣传物料。 二、紧扣商户需求，丰富宣传形式 本次走进小商品城的活动取得了扎实的成效： 1. 服务精准直达：活动累计走访服务商户100余家，接待咨询超40人次，发放各类宣传资料150余份，有 效触达了传统金融宣传难以全面覆盖的个体工商户群体。 2. 解决实际问题：现场为众多商户解答了日常经营中遇到的金融疑问，帮助其识别和规避了潜在风险， 部分商户与我行初步达成了融资意向，活动实用性强。 3. 增强信任关系：通过主动上门、耐心讲解的方式，展现了我行服务小微、 ...

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Core Viewpoint - The 2025 China International Service Trade Fair showcases the Industrial and Commercial Bank of China (ICBC) as a key partner, highlighting its achievements in service trade finance, technological innovation, and support for the real economy through an immersive and interactive experience [1][19]. Group 1: Exhibition Highlights - ICBC's exhibition area spans 255 square meters, demonstrating its strength as a state-owned bank and integrating functionality with experience through six thematic sections [2][3]. - The "Data Visualization" section showcases ICBC's operational achievements and contributions to national strategies, while the "Smart Future" section features a billion-level financial model for interactive displays [3][5]. - The exhibition includes interactive elements like humanoid robots and holographic projections, allowing visitors to engage with financial technology in a novel way [5][7]. Group 2: Financial Services and Innovations - ICBC emphasizes a comprehensive financial service environment, hosting international salons and policy discussions to facilitate business negotiations and value creation [4][19]. - The bank's digital innovations include an AI-driven public fund service that allows users to complete inquiries and transactions through voice commands, enhancing user experience [6][12]. - ICBC's focus on green finance is evident through its projects supporting renewable energy and sustainable development, such as financing for wind power and urban infrastructure [11][18]. Group 3: Global Strategy and Cross-Border Services - ICBC operates a global network covering 69 countries, facilitating cross-border RMB settlements and supporting international trade through its extensive infrastructure [15][16]. - The bank plays a significant role in the Belt and Road Initiative, financing key projects and fostering international cooperation in various sectors [16][19]. - ICBC's commitment to digital transformation is reflected in its development of integrated services for cross-border e-commerce and supply chain financing [17][19]. Group 4: Commitment to Social Responsibility - ICBC's initiatives in inclusive finance aim to support small and micro enterprises, with over 1,000 clients benefiting from its services [12][13]. - The bank's pension services manage a substantial amount of assets, providing comprehensive financial solutions for the elderly [12][13]. - ICBC's efforts in combating fraud and protecting customer assets demonstrate its dedication to safeguarding the financial well-being of its clients [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） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條而作出。 茲載列交通銀行股份有限公司於上海證券交易所網站刊登的《交通銀行股份有限 公司2025年半年度報告》，謹供參閱。 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 2025年8月29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、常保升先生*、廖宜建先生*、陳紹宗先生*、穆國新先生*、 艾棟先生*、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 公司代码：601328 公司简称：交通银行 交通银行股份有限公司 2025 年半年度报告 1 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证半 ...

Core Viewpoint - The Bank of Communications reported a net profit of RMB 46.016 billion for the first half of 2025, reflecting a year-on-year increase of 1.61% compared to RMB 45.287 billion in the same period of 2024 [1][4][10] Financial Summary - Net interest income for the first half of 2025 was RMB 85.247 billion, up 1.20% from RMB 84.234 billion in the first half of 2024 [3][4] - Total operating income reached RMB 133.368 billion, a slight increase of 0.77% from RMB 132.347 billion in the previous year [4][10] - The total assets of the group at the end of June 2025 amounted to RMB 15,435.405 billion, representing a 3.59% increase from RMB 14,900.717 billion at the end of June 2024 [3][10] - Customer loans reached RMB 8,998.499 billion, an increase of 5.18% from RMB 8,555.122 billion at the end of June 2024 [3][10] - Customer deposits totaled RMB 9,171.358 billion, up 4.22% from RMB 8,800.335 billion in the previous year [3][10] Profitability Metrics - The annualized return on average assets was 0.61%, down from 0.65% in the previous year [3][4] - The annualized weighted average return on equity was 9.16%, slightly down from 9.29% [3][4] - The net interest margin decreased to 1.21% from 1.29% year-on-year [3][4] Risk Management - The non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points from the previous year [3][4] - The provision coverage ratio increased to 209.56%, up 7.62 percentage points from the previous year [3][4] Dividend Distribution - The bank proposed a cash dividend distribution of RMB 138.11 billion, amounting to RMB 1.56 per 10 shares, based on the total issued shares of 88.364 billion [1][4]

Summary of Airosoft Conference Call Company Overview - Airosoft has established a comprehensive intelligent banking service system covering various areas such as business development, service, operations, and risk control, achieving coverage of all domestic systemically important banks and 31 out of 34 banks with assets over 1 trillion yuan [2][3] Financial Performance - The company has demonstrated stable financial health with both revenue and net profit showing an upward trend, indicating strong operational performance [5] - The financial status has remained steady without significant fluctuations, reflecting good management practices [5] Strategic Planning - The 2025 strategic plan is defined as "1+2+3+10," focusing on expanding development tasks for large banks, enhancing customer base, and promoting new technology applications to increase market share and brand influence while achieving profit growth [6] - Specific measures include optimizing product structure and increasing R&D investment [6] Business Expansion - Airosoft is gradually exploring overseas business, leveraging Chinese banks' overseas branches to expand into international settlement, cross-border trade, and payment systems [7] - The company aims to extend its services from front-end to core systems, particularly in the construction of distributed banking core systems [7] Technological Advancements - Significant breakthroughs have been made in three key technology areas: HarmonyOS, quantum communication, and artificial intelligence [8] - HarmonyOS: Deep development of applications and the launch of a PC version [8] - Quantum Communication: Promotion of quantum encryption applications in the financial sector [8] - Artificial Intelligence: Implementation of large model applications in areas such as facial recognition and credit [8] Product Focus - Key product offerings include enterprise mobile banking, AI-based facial recognition, data middle platform, and digital marketing solutions [9] - The company is involved in the infrastructure development for cross-border payments and digital currency, while also focusing on opportunities presented by stablecoins [9] Industry Trends - The banking sector's digitalization investments continue to grow, with a significant focus on the "Xinchuang" (indigenous innovation) transformation, which is a national requirement to be completed by 2026 [4][15] - Despite a slight decrease in digital investment growth among major banks, smaller banks are increasing their digitalization efforts, indicating a mismatch with the overall economic cycle [14] Competitive Position - Airosoft holds 24 invention patents and 485 software copyrights, which enhance its competitive edge in the financial software sector [13] - The company has received recognition from major banks, which supports its ability to secure large orders [13] Quantum Communication - Airosoft has a competitive advantage in quantum encryption, having developed specialized equipment for quantum key distribution, which is crucial for securing financial systems against national-level attacks [20] - The company is actively involved in pilot projects for quantum communication encryption with several commercial banks [21] Future Outlook - The software development market in the banking sector is expected to concentrate, with a significant portion of market share likely to be held by leading companies [28][29] - Airosoft plans to maintain its leading position through internal growth and strategic acquisitions [29] Conclusion - Airosoft is well-positioned in the financial technology landscape, with a robust strategy for growth, a strong focus on technological innovation, and a commitment to expanding its market presence both domestically and internationally.

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Core Viewpoint - The transformation of risk governance in commercial banks is shifting from an "experience-driven" model to a "data intelligence-driven" paradigm, necessitating a balance between innovation and risk control in the digital economy era [1][2][3] Group 1: Digital Strategy Driving Logic - The dual pressure from external and internal environments compels commercial banks to reconstruct their risk governance systems [3][4] - External pressures include the digital migration of customer behavior, reshaping market competition, and rigid regulatory policies [3][4] - Internal efficiency drives banks to adopt digital strategies, with AI automation significantly improving operational efficiency [4][5] Group 2: Challenges of Traditional Risk Governance Paradigm - Traditional risk governance faces systemic flaws, including delayed information processing, narrow risk coverage, and inefficient collaboration mechanisms [5][6] - Information processing is hindered by reliance on static data, leading to delayed risk identification [5][6] - Risk coverage is limited, focusing primarily on large enterprises while neglecting small and medium-sized enterprises [5][6] Group 3: Intelligent Leap in Risk Governance Paradigm - Digital technology is fundamentally restructuring the risk governance framework of commercial banks, transitioning from experience-based to data-driven models [7][8] - Risk identification is evolving from static experience to dynamic penetration, utilizing non-structured data and behavior modeling [8][9] - Risk assessment is shifting from linear approval processes to intelligent control across the entire chain, enhancing efficiency and reducing operational risks [9][10] Group 4: Emergence of New Risks - Traditional risks are becoming more complex, with credit risk evolving into ecosystem-wide contagion and market risk transforming into algorithmic resonance shocks [14][15] - New risks are emerging, characterized by data sovereignty and security risks, as well as vulnerabilities due to over-reliance on technology [16][17] Group 5: Regulatory Response - A dual framework of agile regulation and resilient governance is proposed to address the complex risk ecology of the digital economy [18][19] - Agile regulation focuses on rule restructuring driven by technology, enhancing regulatory efficiency and transparency [19][20] - Resilient governance emphasizes adaptive rules and collaborative mechanisms to strengthen the system's ability to withstand shocks [21][22]

Group 1 - The core focus of the Construction Bank's Suifenhe branch is to serve small and micro enterprises, enhancing their development through improved settlement services [1] - Since the beginning of the year, the bank has added over 600 small and micro enterprise clients, implementing a green channel for account opening at 16 branches to expedite the process [1] - The bank provides full guidance for new small and micro enterprises during the account opening process, utilizing a combination of online and offline methods to streamline the experience [1][2] Group 2 - The Suifenhe branch has transitioned to a digital and intelligent service model, allowing 24/7 access to banking services through online platforms, thus improving operational efficiency [2] - The bank has developed a comprehensive settlement product system to address the frequent transaction needs of small and micro enterprises, ensuring quick fund transfers and effective risk management [3] - The bank completed account opening for a chain pharmacy and its 17 subsidiaries in just 2 days, showcasing its efficiency in providing merchant settlement and fund management services [3] Group 3 - The bank is leveraging big data analysis to enhance financial services for small and micro enterprises, having provided over 600 million yuan in credit and more than 400 million yuan in loans to over 860 businesses this year [4] - Future plans include using transaction data to offer precise credit support, thereby facilitating easier and more efficient financing channels for quality small and micro enterprises [4]