Financial Performance - The bank reported a total revenue of RMB 100 billion for the first half of 2023, representing a year-on-year increase of 12%[3]. - The net profit attributable to the parent company's shareholders for the first half of 2023 was RMB 46.039 billion, representing a year-on-year increase of 4.51%[11]. - The net operating income for the same period was RMB 137.307 billion, an increase of 4.74% compared to the previous year[11]. - The pre-tax profit for the first half of 2023 was RMB 49.674 billion, an increase of 8.83% year-on-year[12]. - The total net operating income for the first half of 2023 was RMB 137,307 million, an increase from RMB 131,094 million in the same period of 2022, representing a growth of approximately 4.9%[59]. - The pre-tax profit for the first half of 2023 was RMB 49,674 million, compared to RMB 45,642 million in the same period of 2022, indicating an increase of about 8.3%[59]. - The effective tax rate increased significantly to 6.26% from 3.27% in the previous year, reflecting a 108.45% increase in income tax expense[13]. - The bank aims to create shared value for customers, shareholders, employees, and society, emphasizing risk management and quality service[8]. Asset and Liability Management - Total assets reached RMB 13.813 trillion, reflecting a growth of 6.33% from the end of the previous year[11]. - The bank's capital adequacy ratio stands at 14.5%, maintaining a strong position to support future growth initiatives[3]. - The bank's liquidity coverage ratio is reported at 150%, ensuring sufficient liquidity to meet short-term obligations[3]. - As of June 2023, the total liabilities of the group amounted to RMB 12,758.46 billion, an increase of RMB 800.41 billion or 6.69% compared to the end of the previous year[49]. - Customer deposits reached RMB 8,579.60 billion, up RMB 630.53 billion or 7.93% year-on-year, accounting for 67.25% of total liabilities, an increase of 0.78 percentage points[50]. - The group's total assets reached RMB 13,813.36 billion, an increase of RMB 821.79 billion or 6.33% compared to the end of the previous year[36]. Loan and Deposit Growth - Customer loan balance stood at RMB 7.796 trillion, up RMB 500.74 billion, marking a 6.86% increase[11]. - The balance of personal public fund products sold was CNY 243.84 billion, while wealth management products reached CNY 808.28 billion[82]. - The total amount of customer deposits increased by RMB 630.53 billion, with corporate deposits increasing by RMB 291.54 billion and personal deposits increasing by RMB 321.26 billion[50]. - The balance of inclusive small and micro enterprise loans grew by 19% year-on-year, while personal consumption loans increased by 39%[70]. - The balance of green loans increased by 25% compared to the end of the previous year, achieving the highest level for the same period in recent years[70]. Digital Transformation and Innovation - The bank has set a target for a net profit growth of 10% for the full year 2023, with a focus on enhancing digital services and customer engagement[3]. - The bank's strategic focus includes enhancing digital transformation and expanding in key areas such as inclusive finance and green finance[8]. - The bank plans to expand its digital banking services, aiming for a 30% increase in online transactions by the end of 2024[197]. - The company is actively promoting the application of artificial intelligence across various business scenarios to enhance customer service[72]. - The bank's digital transformation initiatives included the launch of 23 convenient service scenarios across various channels, serving 260,000 customers[108]. Risk Management - The bank has implemented new risk management strategies to mitigate credit and market risks, aiming for a reduction in non-performing loans by 5% by the end of 2023[3]. - The non-performing loan ratio remained stable at 1.35% as of June 30, 2023[11]. - The company has strengthened its risk management framework, focusing on unified credit risk management and optimizing credit asset structure[116]. - The group continuously improved its market risk management system, optimizing risk management processes and enhancing product management[128]. - The company is actively supporting the "carbon peak and carbon neutrality" goals by integrating climate risk into its overall risk management framework[137]. Strategic Initiatives - The bank plans to expand its market presence in Southeast Asia, targeting a 20% increase in regional customer base by 2025[3]. - A strategic acquisition of a fintech company is expected to enhance the bank's technological capabilities and improve service delivery, with an estimated investment of RMB 1 billion[3]. - The company aims to strengthen its service to the real economy by increasing financial support in key areas and improving customer service offerings[138]. - The company has established a green finance development strategy, focusing on supporting the "carbon peak and carbon neutrality" goals[171]. - The company is focused on optimizing its asset allocation and enhancing loan pricing management to stabilize and improve net interest margins[139]. Shareholder and Governance - The total number of ordinary shares at the end of the reporting period was 74,262,726,645, with A-shares accounting for 52.85% and H-shares for 47.15%[143]. - The top shareholder, the Ministry of Finance of the People's Republic of China, held 13,178,424,446 A-shares, representing 17.75% of total shares[145]. - The company has approved a cash dividend distribution of CNY 27.7 billion for the fiscal year 2022, with a distribution of CNY 0.373 per share based on a total of 74.263 billion ordinary shares[159]. - The company has not conducted any profit distribution or capital reserve increase in the first half of 2023[159]. - The company is focused on expanding its market presence and enhancing its governance structure[162].

Financial Performance - Net interest income for the first half of 2023 was RMB 82,387 million, a decrease of 3.15% compared to RMB 85,065 million in the same period of 2022[4]. - Net operating income increased by 4.74% to RMB 137,307 million from RMB 131,094 million year-on-year[4]. - Net profit attributable to shareholders of the parent company rose by 4.51% to RMB 46,039 million, compared to RMB 44,052 million in the first half of 2022[4]. - The pre-tax profit for the reporting period was RMB 49.674 billion, an increase of 8.83% year-on-year[19]. - The total comprehensive income for the period was RMB 52,961 million, compared to RMB 41,885 million in the same period last year, representing a significant increase of 26.5%[179]. - The net profit for the period was RMB 46,566 million, compared to RMB 44,151 million in the previous year, reflecting an increase of 5.5%[178]. Assets and Liabilities - Total assets as of June 30, 2023, reached RMB 13,813,360 million, reflecting a growth of 6.33% from RMB 12,991,571 million at the end of 2022[4]. - The total liabilities of the group reached RMB 127,584.61 billion, an increase of RMB 8,004.12 billion, or 6.69%, from the end of the previous year[59]. - The total assets of the company reached 19.192 billion yuan, with net assets of 15.858 billion yuan, and managed assets of 532.58 billion yuan[112]. Customer Loans and Deposits - Customer loans increased by 6.86% to RMB 7,795,705 million from RMB 7,294,965 million year-on-year[4]. - Customer deposits grew by 7.93% to RMB 8,579,598 million compared to RMB 7,949,072 million at the end of 2022[4]. - The total loan balance as of June 30, 2023, was RMB 7,795.705 billion, an increase from RMB 7,294.965 billion as of December 31, 2022[68]. - Personal deposits amounted to CNY 3,276.99 billion, growing by 10.87% year-on-year, while personal loans reached CNY 2,416.04 billion, increasing by 2.14%[94]. Risk Management - The non-performing loan ratio remained stable at 1.35% as of June 30, 2023[5]. - The provision coverage ratio improved to 192.85%, up from 180.68% at the end of 2022, indicating stronger risk management[5]. - The company has maintained a prudent classification standard for overdue loans, with 70% of non-performing loans being overdue for more than 60 days[136]. Income and Expenses - The net commission and fee income for the group was CNY 24.580 billion, a decrease of CNY 1.94 million or 0.78% year-on-year, influenced by market volatility and reduced consumer demand[38]. - Interest expenses for the group totaled CNY 146.019 billion, an increase of CNY 28.544 billion or 24.30% year-on-year, with customer deposits accounting for 65.59% of total interest expenses[33]. - The company incurred interest expenses of RMB 8,036 million on bond issuance in the first half of 2023, compared to RMB 7,627 million in the same period of 2022, indicating rising financing costs[183]. Shareholder Information - HSBC Holdings plc holds 14,135,636,613 H shares, representing 19.03% of the total issued shares[11]. - The Ministry of Finance of the People's Republic of China owns 13,178,424,446 A shares, accounting for 17.75% of the total issued A shares[10]. - The company approved a cash dividend of CNY 0.373 per share, totaling CNY 27.7 billion for the 2022 fiscal year[164]. Regulatory Compliance - There were no significant lawsuits or arbitration matters affecting the group's operations during the reporting period, with ongoing cases involving approximately CNY 1.565 billion[165]. - The group has not faced any investigations or penalties from regulatory authorities during the reporting period[165]. - The company’s total assets and liabilities are subject to regular audits by KPMG, ensuring compliance with accounting standards[175]. Digital Transformation and Innovation - The group’s digital transformation investments have increased, with financial technology talent accounting for 6.51% of the total workforce[86]. - The cumulative number of open banking interfaces reached 3,868, with over 2.5 billion calls made, and 547,200 new retail customers acquired through open banking, a 79.52% increase year-on-year[127]. - The company is advancing the digital transformation of risk management, aiming to build a comprehensive digital risk management system[135]. Economic Support and Development - The group aims to enhance financial support for key sectors and weak links in the economy, focusing on consumption, social welfare, and technological independence[160]. - The group plans to deepen its business characteristics by promoting inclusive finance and supporting strategic emerging industries and advanced manufacturing[160]. - The company actively supports the development of the pension financial service system in response to the national strategy for an aging population[103].

Financial Performance - Net operating income for Q1 2023 was RMB 67,169 million, a decrease of 5.47% from the adjusted figure of RMB 63,687 million for Q1 2022[3] - Profit before tax for Q1 2023 was RMB 26,402 million, showing an increase of 5.04% compared to the adjusted figure of RMB 25,134 million for Q1 2022[3] - Net profit attributable to shareholders was RMB 24,633 million, up by 5.63% from the adjusted figure of RMB 23,320 million for Q1 2022[3] - Basic earnings per share for Q1 2023 were RMB 0.33, reflecting a growth of 6.45% compared to RMB 0.31 for Q1 2022[3] - The company reported a net profit of RMB 24,951 million for the first quarter of 2023, an increase from RMB 23,313 million in the same period of 2022[23] - The company’s total comprehensive income for the first quarter of 2023 was RMB 24,140 million, compared to RMB 19,597 million in the first quarter of 2022[26] Assets and Liabilities - As of March 31, 2023, total assets reached RMB 13,654,273 million, an increase of 5.10% compared to the adjusted figure of RMB 12,991,571 million from December 31, 2022[3] - Total liabilities were RMB 12,596,687 million, up by 5.34% from the adjusted figure of RMB 11,958,049 million as of December 31, 2022[3] - The total adjusted on-balance and off-balance sheet assets amounted to RMB 14,983.789 billion, up from RMB 14,349.614 billion in the previous quarter, indicating a growth of approximately 4.4%[35] Customer Loans and Deposits - Customer loans amounted to RMB 7,681,405 million, reflecting a growth of 5.30% from the adjusted figure of RMB 7,294,965 million as of December 31, 2022[3] - Customer deposits increased to RMB 8,498,740 million, representing a rise of 6.91% compared to the adjusted figure of RMB 7,949,072 million from December 31, 2022[3] - The total customer loans at the end of the reporting period amounted to CNY 7,681.405 billion, an increase of CNY 386.44 billion, or 5.30% compared to the end of the previous year[16] - The total customer deposits reached CNY 8,498.740 billion, an increase of CNY 549.668 billion, or 6.91% compared to the end of the previous year[17] Interest Income and Margin - The net interest income for Q1 2023 was CNY 40.648 billion, a decrease of CNY 1.871 billion, or 4.40% year-on-year[12] - The net interest margin for Q1 2023 was 1.33%, down 23 basis points year-on-year[12] - Interest income for the first quarter of 2023 was RMB 112,010 million, compared to RMB 99,665 million in the first quarter of 2022, reflecting a growth of approximately 12.5%[23] Non-Performing Loans and Provisions - The non-performing loan balance was CNY 102.945 billion, an increase of CNY 4.419 billion, or 4.49% compared to the end of the previous year[19] - As of March 31, 2023, the total loans amounted to RMB 7,681,405 million, with a non-performing loan (NPL) ratio of 1.34%, slightly down from 1.35% at the end of 2022[21] - The provision coverage ratio was 183.25%, an increase of 2.57 percentage points compared to the end of the previous year[19] Capital Adequacy and Ratios - The capital adequacy ratio stood at 14.79%, with a Tier 1 capital ratio of 12.07% and a core Tier 1 capital ratio of 10.03%, all meeting regulatory requirements[31] - The group's core tier 1 capital net amount reached RMB 863.3 billion, an increase from RMB 840.164 billion in December 2022, reflecting a growth of approximately 2.7%[32] - The tier 1 capital adequacy ratio improved to 12.07%, up from 12.18% in the previous quarter, indicating a slight decrease in capital efficiency[32] - The core tier 1 capital adequacy ratio was reported at 10.03%, slightly down from 10.06% in the previous quarter, indicating a need for improved capital management[32] Cash Flow and Investments - The net cash flow from operating activities for the three months ended March 31, 2023, was RMB 132,977 million, compared to RMB 101,621 million for the same period in 2022, representing a 30.8% increase[29] - The net cash used in investing activities was RMB 101,697 million, compared to RMB 73,861 million in the previous year, indicating an increase of 37.7%[30] - The net increase in cash and cash equivalents for the period was RMB 51,118 million, compared to RMB 41,536 million in the same period last year, reflecting a growth of 23.0%[30] Shareholder Information - The total number of ordinary shareholders was 342,987, with 311,999 holding A-shares and 30,988 holding H-shares[5] - The company’s basic and diluted earnings per share for the first quarter of 2023 were RMB 0.33, up from RMB 0.31 in the same period of 2022[26]

Financial Performance - Net interest income for 2022 reached RMB 169.937 billion, an increase from RMB 161.693 billion in 2021[12]. - Net operating income was RMB 273.528 billion, compared to RMB 269.748 billion in the previous year[12]. - The net profit attributable to shareholders was RMB 92.149 billion, up from RMB 87.581 billion in 2021, representing a growth of 6.4%[12]. - Total assets at the end of 2022 amounted to RMB 12.992 trillion, an increase from RMB 11.666 trillion in 2021[12]. - Customer loans reached RMB 7.296 trillion, compared to RMB 6.560 trillion in 2021, reflecting a growth of 11.2%[12]. - The non-performing loan ratio improved to 1.35% from 1.48% in the previous year[12]. - The capital adequacy ratio stood at 14.97%, slightly down from 15.45% in 2021[12]. - Total operating income reached RMB 273.53 billion, reflecting a year-on-year growth of 1.40%[25]. - The group's net interest margin for the reporting period was 1.37%, a year-on-year decrease of 10 basis points, while the net interest spread was 1.48%, down 8 basis points year-on-year[146]. Dividends and Shareholder Returns - The total cash dividend distribution for the year is RMB 27.7 billion, with a per-share cash dividend of RMB 0.373 (including tax) based on 74.263 billion shares outstanding[3]. - The board proposed a cash dividend of RMB 0.373 per share, totaling RMB 27.7 billion, which is 32.72% of the net profit attributable to shareholders[13]. Risk Management - The company faces various risks including credit risk, market risk, operational risk, and compliance risk, and has implemented measures to effectively manage these risks[3]. - The bank maintains a strong focus on comprehensive risk management to provide quality services to clients[9]. - The bank's provision coverage ratio improved to 180.68%, an increase of 14.18 percentage points year-on-year[16]. - The bank has enhanced risk identification and accelerated risk disposal, with a focus on major risks and key areas[124]. - The bank's asset quality classification standards remain strict, with a stable improvement in asset quality levels[124]. Digital Transformation and Innovation - The company is focused on digital transformation and wealth management solutions through its brands, including "Yuntong Wealth" and "Wode Wealth"[4]. - The bank emphasizes digital transformation and innovation as key areas for high-quality development[9]. - Digital transformation efforts resulted in a nearly 30% average annual increase in technology investment over the past three years[14]. - The bank's digital transformation plan includes a comprehensive financial technology development blueprint, with a focus on building a customer service system that is integrated, intelligent, and ecological[17]. - The company has launched the "Jiao Zheng Tong" service at 1,826 business outlets, achieving a coverage rate of 64.3% for local government services[115]. Customer Base and Market Reach - The bank serves 2.46 million corporate clients and 190 million retail customers through over 2,800 domestic branches and 23 overseas branches[9]. - The retail customer base grew by 3.29% to 191 million, with assets under management (AUM) increasing by 8.57% to CNY 4,621.36 billion[85]. - The cumulative number of signed clients on the smart financial service platform exceeded 110,000, with transaction volume growing by 274.86% year-over-year[79]. Corporate Governance - The company emphasizes shareholder rights protection through various communication channels, ensuring equal status and participation rights for all shareholders[173]. - The company has established a modern financial corporate governance mechanism to improve the scientific, stable, and effective nature of its governance[170]. - The board of directors consists of 16 members, with the chairman and CEO being Ren Deqi and Liu Jun, respectively, who have been in their roles since 2020 and 2018[176][179]. - The company has a governance structure that includes independent directors to enhance oversight and accountability[176]. Strategic Goals and Future Plans - The bank's strategic goal is to build a world-class banking group with distinctive advantages, focusing on inclusive finance, trade finance, technology finance, and wealth finance[9]. - In 2023, the bank aims to enhance its financial supply to support economic growth, employment stability, and price stability, aligning with national strategies[18]. - The group plans to deepen digital transformation, optimizing personal credit business processes through digital platforms and enhancing retail transformation value contribution[145]. - The group aims to leverage Shanghai's strategic advantages, enhancing financial service functions and exploring new opportunities in trade and digital sectors[144]. Awards and Recognition - The bank has received multiple awards, including the Best Cash Management Bank in China and the Innovation Award from The Banker[10]. - The bank achieved a top 155 ranking in the 2022 Fortune Global 500 list[11]. - The bank's ESG rating is A, awarded by MSCI[10].

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。 Bank of Communications Co., Ltd. 03328 截至2022年12月31日止年度業績公告 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2022年12月31日止年度（「報告期」），根據國際會計準則委員會頒佈的《國際財務 報告準則》編製的年度經審計合併財務信息（「年度業績」）。董事會及其轄下的審計委員會 已審閱並確認此年度業績。 一、 公司基本情況 股份簡稱 股份代號 上市交易所 A股 交通銀行 601328 上海證券交易所 H股 交通銀行 03328 香港聯合交易所有限公司 境內優先股 交行優1 360021 上海證券交易所 董事會秘書、公司秘書 ...

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。 Bank of Communications Co., Ltd. 03328 2022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2022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13.09條而作 出。 一、公司基本情況 | --- | --- | --- | --- | |------------|----------|----------|------------------------| | | 股票簡稱 | 股票代號 | 上市交易所 | | A 股 | 交通銀行 | 601328 | 上海證券交易所 | | H 股 | 交通銀行 | 0332 ...

ii. 錄 行 BANK OF COMMUNICATIONS 交 通 銀 行 股 份 有 限 公 司 | --- | --- | --- | --- | --- | |--------|-------|-------|---------------------------------------------|-----------------------------| | | | | | 2022中期報告 股份代號:03328 | | + B + | | | | F | | HB 000 | 十 | + | E (B)E CREATE SHARED VALUE 創造 共 同 價 值 | + WINT | 目錄 | --- | --- | |--------------------------------------------------------------|-------| | | | | 重要提示 | 1 | | 釋義 | 2 | | 公司基本情況 | 3 | | 財務摘要 | 5 | | 管理層討論與分析 | | | 財務報表分析 | 6 | | 業務回顧 | 19 | | 風險管理 | 30 | ...

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。 Bank of Communications Co., Ltd. 03328 2022年一季度業績公告 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2022年3月31日止三個月（「報告期」）的未經審計業績（「一季度業績」）。本行董事 會及其轄下的審計委員會已審閱並確認此一季度業績。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13.09條而作 出。 一、公司基本情況 | --- | --- | --- | --- | |----------------------|-----------------------|----------------------------|------------------------| | | 股票簡稱 | 股票代號 | 上市交易所 | | A 股 | 交通銀行 ...

in . ek BANK OF COMMUNICATIONS 交 通 銀 行 股 份 有 限 公 司 | --- | --- | --- | --- | |--------|-------|-----------------------------------------|-----------------------------| | | | | 2021年度報告 股份代號:03328 | | + B + | | | F | | HB 000 | 十 | E (B)E CREATE SHARED VALUE 創造共同價值 | + WINT | 目錄 重要提示 1 釋義 2 公司基本情況 3 財務摘要 6 董事長致辭 8 行長致辭 10 監事長致辭 12 管理層討論與分析 經濟金融形勢 14 財務報表分析 14 業務回顧 27 風險管理 42 展望 50 公司治理 股份變動及股東情況 51 公司治理 57 董事會報告 90 監事會報告 95 環境和社會責任 98 重要事項 102 組織架構與機構名錄 104 財務報表及其他 獨立審計師報告 109 財務報表 115 財務報表附註 122 未經審計的補充財務資料 ...