2024 中期報告
創造共同價值
交通銀行股份有限公司
H
2024 8 28 2024
18 18
2024 742.63
A H 0.182 135.16
交通銀行股份有限公司
H
2
3
5
6
18
27
34
35
36
41
44
48
51
54
55
62
153
1
交通銀行股份有限公司
H
/ /
/
e
e
2
交通銀行股份有限公司
H
1
Bank of Communications Co., Ltd. 2 8
10
8
188
188
200120 A
86-21-58766688 188
86-21-58798398 H
investor@ bankcomm.com 183 17
www.bankcomm.com 1712 1716
www.bankcomm.cn
20
9131000010000595XD
A
www.sse.com.cn
H
www.hkexnews.hk
A 601328
H 03328
1 360021
3
交通銀行股份有限公司
H
23 275.65
1908 1.95
1987 4 1
2005 6
2007 5 2023
9
2,800
4
交通銀行股份有限公司
H
2024 2023
1-6 1-6 (%)
84,234 82,387 2.24
21,000 24,580 (14.56)
132,550 137,307 (3.46)
33,021 36,346 (9.15)
39,621 40,079 (1.14)
47,678 49,674 (4.02)
45,287 46,039 (1.63)
1
0.56 0.57 (1.75)
2024 2023
6 30 12 31 (%)
14,177,914 14,060,472 0.84
2
8,267,734 7,957,085 3.90
13,058,623 12,961,022 0.75
2
8,650,116 8,551,215 1.16
1,107,374 1,088,030 1.78
3
12.56 12.30 2.11
4
1,471,631 1,351,116 8.92
4
927,346 905,394 2.42
4
176,146 176,289 (0.08)
4
368,139 269,433 36.63
4
9,005,179 8,850,786 1.74
2024 2023
(%) 1-6 1-6
0.65 0.69 (0.04)
1
9.29 10.16 (0.87)
5
1.29 1.31 (0.02)
6
29.94 29.22 0.72
2024 2023
6 30 12 31
7
1.32 1.33 (0.01)
204.82 195.21 9.61
4
16.34 15.27 1.07
4
12.25 12.22 0.03
4
10.30 10.23 0.07
4
7.11 7.03 0.08
1. 9 2010
2.
3.
4.
5.
6.
7.
2024
5
交通銀行股份有限公司
H
2024
452.87 1.63% 1,325.50
3.46% 842.34 2.24%
8.27 3,106.49 3.90% 8.65
989.01 1.16%
1.32% 0.01 204.82%
9.61
1.
476.78 19.96 4.02%
2024 1-6 2023 1-6 (%)
84,234 82,387 2.24
48,316 54,920 (12.02)
21,000 24,580 (14.56)
132,550 137,307 (3.46)
(33,021) (36,346) (9.15)
(467) (594) (21.38)
(51,384) (50,693) 1.36
(39,621) (40,079) (1.14)
47,678 49,674 (4.02)
(1,853) (3,108) (40.38)
45,825 46,566 (1.59)
45,287 46,039 (1.63)
2024 1-6
(%) (%)
84,234 63.55 2.24
21,000 15.84 (14.56)
12,089 9.12 (31.46)
934 0.71
307 0.23 90.68
13,986 10.55 11.23
132,550 100.00 (3.46)
6
交通銀行股份有限公司
H
2.
842.34 18.47 2.24%
63.55%
2024 1-6 2023 1-6
(%) (%)
754,213 5,896 1.57 793,390 6,022 1.53
926,743 15,506 3.36 964,263 13,950 2.92
8,132,717 150,721 3.73 7,596,925 153,272 4.07
3,368,197 55,915 3.34 3,293,470 55,162 3.38
13,181,870 228,038 3.48 12,648,048 228,406 3.64
966,291 1,074,056
14,148,161 13,722,104
8,340,461 91,706 2.21 8,203,920 95,767 2.35
2,296,749 28,664 2.51 2,120,747 26,488 2.52
1,641,035 23,434 2.87 1,674,064 23,764 2.86
12,278,245 143,804 2.36 11,998,731 146,019 2.45
1,869,916 1,723,373
14,148,161 13,722,104
84,234 82,387
1
1.12 1.19
2
1.29 1.31
1.
2.
2.24% 1.12% 7 1.29%
2
7
交通銀行股份有限公司
H
2024 1-6 2023 1-6
(298) 172 (126)
(545) 2,101 1,556
10,844 (13,395) (2,551)
1,256 (503) 753
11,257 (11,625) (368)
1,596 (5,657) (4,061)
2,206 (30) 2,176
(470) 140 (330)
3,332 (5,547) (2,215)
7,925 (6,078) 1,847
18.47
79.25 60.78
(1)
2,280.38 3.68 0.16%
66.09% 24.52% 2.59%
A.
1,507.21
25.51 1.66% 34
2024 1-6 2023 1-6
(%) (%)
5,355,828 97,529 3.66 4,997,794 97,101 3.92
1,539,576 24,802 3.24 1,550,476 25,910 3.37
3,816,252 72,727 3.83 3,447,318 71,191 4.16
2,473,774 51,527 4.19 2,350,849 54,170 4.65
597,618 14,177 4.77 595,375 14,382 4.87
1,876,156 37,350 4.00 1,755,474 39,788 4.57
303,115 1,665 1.10 248,282 2,001 1.63
8,132,717 150,721 3.73 7,596,925 153,272 4.07
8
交通銀行股份有限公司
H
B.
559.15 7.53 1.37%
747.27 2.27%
C.
58.96 1.26 2.09% 391.77
4.94%
D.
155.06 15.56
11.15% 44
(2)
1,438.04 22.15 1.52%
63.77% 19.93% 16.30%
A.
917.06 40.61
4.24% 63.77% 14
2024 1-6 2023 1-6
(%) (%)
4,894,666 52,985 2.18 5,036,894 58,058 2.32
1,939,325 10,251 1.06 1,945,909 10,455 1.08
2,955,341 42,734 2.91 3,090,985 47,603 3.11
3,445,795 38,721 2.26 3,167,026 37,709 2.40
855,651 1,002 0.24 823,913 1,003 0.25
2,590,144 37,719 2.93 2,343,113 36,706 3.16
8,340,461 91,706 2.21 8,203,920 95,767 2.35
B.
286.64 21.76
8.22% 1,760.02 8.30%
C.
234.34 3.30 1.39%
330.29 1.97%
9
交通銀行股份有限公司
H
3.
210.00 35.80 14.56%
2024 1-6 2023 1-6 (%)
8,027 10,005 (19.77)
4,121 4,088 0.81
4,681 4,887 (4.22)
2,128 3,518 (39.51)
1,299 1,676 (22.49)
1,705 1,661 2.65
896 750 19.47
76 106 (28.30)
22,933 26,691 (14.08)
(1,933) (2,111) (8.43)
21,000 24,580 (14.56)
39.51%
22.49%
19.77%
4.
2024 1-6 2023 1-6 (%)
12,089 17,637 (31.46)
934 (32)
307 161 90.68
13,986 12,574 11.23
27,316 30,340 (9.97)
273.16 120.89 55.48
31.46% IPO
10
交通銀行股份有限公司
H
5.
396.21 4.58 1.14% 29.94%
0.72
2024 1-6 2023 1-6 (%)
15,376 15,414 (0.25)
19,354 19,933 (2.90)
4,891 4,732 3.36
39,621 40,079 (1.14)
6.
334.88 34.52 9.34%
312.42 21.71 6.50%
7.
18.53 12.55 40.38% 3.89%
25%
1.
141,779.14 1,174.42 0.84%
2024 6 30 2023 12 31 2022 12 31
(%) (%) (%)
8,066,326 56.89 7,772,060 55.28 7,135,454 54.93
4,023,080 28.38 4,104,142 29.19 3,955,207 30.44
737,032 5.20 898,022 6.39 806,102 6.20
848,684 5.98 859,642 6.11 690,421 5.31
502,792 3.55 426,606 3.03 404,387 3.12
14,177,914 100.00 14,060,472 100.00 12,991,571 100.00
11
交通銀行股份有限公司
H
(1)
82,677.34 3,106.49 3.90%
2024 6 30 2023 12 31 2022 12 31
(%) (%) (%)
5,451,393 65.94 5,179,533 65.09 4,711,353 64.58
1,563,356 18.91 1,496,422 18.81 1,438,252 19.72
3,888,037 47.03 3,683,111 46.28 3,273,101 44.86
2,555,798 30.91 2,473,100 31.08 2,365,317 32.43
1,460,961 17.67 1,462,634 18.39 1,512,648 20.74
496,289 6.00 489,725 6.15 477,746 6.55
374,991 4.54 343,585 4.32 271,660 3.72
219,994 2.66 173,423 2.18 99,289 1.36
3,563 0.04 3,733 0.04 3,974 0.06
260,543 3.15 304,452 3.83 218,295 2.99
8,267,734 100.00 7,957,085 100.00 7,294,965 100.00
54,513.93 2,718.60 5.25% 669.34
2,049.26 47.03%
25,557.98 826.98 3.34%
16.73 0.11% 65.64 1.34%
314.06 9.14% 465.71 26.85%
439.09 14.42%
2024 6 30 2023 12 31
(%) (%)
3,021,133 36.54 2,883,274 36.23
1,374,117 16.62 1,288,963 16.20
2,737,480 33.11 2,904,861 36.51
1,135,004 13.73 879,987 11.06
8,267,734 100.00 7,957,085 100.00
12
交通銀行股份有限公司
H
2024 2023
6 30 12 31
206,309 178,019
31,242 54,137
(16,383) (31,099)
2,401 5,679
(371) (427)
223,198 206,309
(2)
40,230.80 810.62 1.98%
2024 6 30 2023 12 31
(%) (%)
3,520,095 87.50 3,618,639 88.17
502,985 12.50 485,503 11.83
4,023,080 100.00 4,104,142 100.00
2024 6 30 2023 12 31
(%) (%)
613,900 15.26 642,282 15.65
2,489,110 61.87 2,573,911 62.71
920,070 22.87 887,949 21.64
4,023,080 100.00 4,104,142 100.00
35,200.95 985.44 2.72%
13
交通銀行股份有限公司
H
2024 6 30 2023 12 31
(%) (%)
2,817,186 80.03 2,836,600 78.38
29,162 0.83 35,653 0.99
487,416 13.85 549,166 15.18
186,331 5.29 197,220 5.45
3,520,095 100.00 3,618,639 100.00
4,874.16 750.48
4,123.68 15.40% 84.60%
(%)
2017 6,330 4.39 2027/09/08 2.51
2018 5,006 4.98 2025/01/12 1.99
2022 3,402 SOFR+1.06 2027/09/29 1.31
2017 3,336 4.30 2024/08/21 1.34
2023 3,000 2.70 2026/11/23 1.19
2022 2,938 SOFR+0.78 2025/04/28 0.67
2024 2,840 2.47 2029/03/29 9.08
2018 2,752 4.88 2028/02/09 1.10
2022 2,633 3.58 2032/11/21 –
2023 2,377 4.75 2030/10/29 1.66
(3)
2024 2023
6 30 12 31
1,336 1,384
(482) (439)
854 945
14
交通銀行股份有限公司
H
2.
2024 6 30 2023 12 31 2022 12 31
(%) (%) (%)
8,650,116 66.24 8,551,215 65.98 7,949,072 66.47
2,257,871 17.29 2,424,537 18.71 2,034,894 17.02
1,128,611 8.64 1,027,461 7.93 1,092,366 9.13
599,046 4.59 592,175 4.57 530,861 4.44
422,979 3.24 365,634 2.81 350,856 2.94
13,058,623 100.00 12,961,022 100.00 11,958,049 100.00
130,586.23 976.01 0.75%
989.01 1.16% 66.24% 0.26
22,578.71 1,666.66 6.87%
17.29% 1.42
86,501.16
989.01 1.16% 56.73% 2.23
41.48% 2.21 33.23% 1.10
64.98% 1.08
2024 6 30 2023 12 31 2022 12 31
(%) (%) (%)
4,907,584 56.73 5,041,991 58.96 4,877,033 61.36
1,913,371 22.12 2,050,524 23.98 1,989,383 25.03
2,994,213 34.61 2,991,467 34.98 2,887,650 36.33
3,588,270 41.48 3,358,156 39.27 2,955,724 37.18
960,959 11.11 884,746 10.35 885,013 11.13
2,627,311 30.37 2,473,410 28.92 2,070,711 26.05
2,196 0.03 3,240 0.04 4,227 0.05
152,066 1.76 147,828 1.73 112,088 1.41
8,650,116 100.00 8,551,215 100.00 7,949,072 100.00
3.
17.
15
交通銀行股份有限公司
H
36. 37.
38.
1,457.84 1,296.77
2,224.42 2,173.19
980.42 1,602.70
41.96 451.82
1.
2024 1-6 2023 1-6
(%) 1
(%) (%) 1
(%)
20,911 43.86 46,860 35.35 26,032 52.41 49,284 35.89
3,402 7.14 12,410 9.36 4,441 8.94 13,733 10.00
9,174 19.24 17,155 12.94 8,683 17.48 16,689 12.16
11,188 23.47 19,374 14.62 11,340 22.83 20,737 15.11
6,604 13.85 12,204 9.21 5,207 10.48 12,526 9.12
1,344 2.82 4,203 3.17 1,070 2.15 4,121 3.00
6,882 14.43 10,249 7.73 4,057 8.17 9,219 6.71
2
(11,827) (24.81) 10,095 7.62 (11,156) (22.46) 10,998 8.01
3
47,678 100.00 132,550 100.00 49,674 100.00 137,307 100.00
1.
2.
3.
4.
16
交通銀行股份有限公司
H
2.
2024 6 30 2023 12 31
(%) (%)
2,349,459 28.42 2,226,422 27.98
1,086,817 13.15 1,051,204 13.21
1,327,289 16.05 1,288,078 16.19
1,336,311 16.16 1,290,880 16.22
984,747 11.91 947,510 11.91
268,887 3.25 265,215 3.33
342,101 4.14 359,446 4.52
572,123 6.92 528,330 6.64
8,267,734 100.00 7,957,085 100.00
2024 6 30 2023 12 31
(%) (%)
2,440,668 28.22 2,363,907 27.64
1,018,297 11.77 1,057,766 12.37
1,797,394 20.78 1,825,945 21.35
1,404,465 16.24 1,365,881 15.99
901,265 10.42 894,662 10.46
438,011 5.06 426,274 4.98
494,581 5.72 465,463 5.44
3,369 0.04 3,489 0.04
152,066 1.76 147,828 1.73
8,650,116 100.00 8,551,215 100.00
3.
2024 1-6 2023 1-6
(%) (%)
132,550 100.00 137,307 100.00
63,413 47.83 65,650 47.80
52,154 39.35 56,511 41.16
16,444 12.41 15,029 10.95
539 0.41 117 0.09
47,678 100.00 49,674 100.00
19,655 41.22 20,138 40.54
14,262 29.91 18,314 36.87
13,520 28.36 11,395 22.94
241 0.51 (173) (0.35)
17
交通銀行股份有限公司
H
(AUM 1 ) 5.29%
5.46%
16.56%
21.23%
31.63%
1.
5.96%
50
2016 1,150
2.
15.74%
30.08% 9.34%
39.68% 8.51%
14.37%
16.05%
5.89% 37.87% 8.51%
1
18
交通銀行股份有限公司
H
2.
90
14.03 0.18
12,654.51 37.89%
3.
2,718.60 5.25%
8.37% 37.87% 5.96%
9.34%
1.
e
e
3.45%
6,831.75
15.74%
10.53 7,792 37.75 10.55%
3.32% 11
0.72%
7.93 0.02 2,792
2,368
252.48 8.01
19
交通銀行股份有限公司
H
4.
AUM
6.85%
3.34%
30.08% 2
0.88
AUM 5.29%
1. AUM
3,042.49
8.51% 3.67
23.99% AUM
1.95
5.
1.35% 254.97
5.36% AUM
52,665.02 5.29%
2.
16.05%
5.89%
5,092 41.79%
17.60%
6.
NAFMII 2,200.59
1,095.8 8,951.86
3,156.62
85.1
200
e
2 17
20
交通銀行股份有限公司
H
3.
27.78%
9.09
8.76%
12,468 6.89%
6.
18,131.56 338.10
136.47
4. 12,362.99 3
3
4,961.78 65.72
204.43
72.81%
6,488.83
7.
65%
30.08%
5.
3
21
交通銀行股份有限公司
H
2.
28.83%
17.02%
44.03 3,482
3.10
2.02 3,376.5
3.
1. +
14.37
107
93
148
22
交通銀行股份有限公司
H
2007 10
57.65
85% 15%
(QDII)
4
54.55 12.05%
7,102.81
5.01%
188.37 165.88
6,020
2007 12 200 10.22% 4.43
0.58%
7.9
2024
4,327.88
473.53 3,806.37
458 1,410.91 10.70
303 95 1.79 7
1,000.37 ETC
151.03 6.94%
21.46 7.20% 13
2024 2005 8 2
65% 30% 5%
149.66
50% 88.16
30% 58 81.76 67.46
5,520 4.91
304.88
17.82%
4
23
交通銀行股份有限公司
H
FOF
+
2019 6 80
2017 12 150
8,221.95 56.35% 48
678.89 251.18
14,591.17 15.05 50.80%
18.49% 136.26
132.63 7.11
19.42%
2023 28 185.29
2023 52.51%
1998 6
2010 1 2007 5
51 MS&AD 2017 5 19
62.50% 37.50%
73.14%
1,399.33 66.84
12.49 42.44% 171.62
34.85 14.25% 7.88 15.79
102.06% 3.55
24
交通銀行股份有限公司
H
147.05%
2000 11 4
17
13.87 5.69 3
1,077
169%
2,411.59
440.94
3.
23
131
23
66
1,045
29 93 201
59.05
32 66
13.04%
12,467.21
29 113
8.79%
4.
1.
+ + + +
(EF)
8,765.55
2. 5.
/
24 421.43 137.90
25
交通銀行股份有限公司
H
5.
57
AI
64
+
146%
1.
+
4,170.31
5.30% 9.99% 14.51% 558.52
5.69% 46.29% 858.92
7.93% 15.80%
1.40%
2. 1.
(MAU)4,522.17 4.96%
2.
3.
APP
APP AI
7,839.56 2,659.49
APP
3.
4.
+
5,215 48
1,350.34
69.36%
26
交通銀行股份有限公司
H
295.9 132.0
1,089.71 1.32% 32.83 0.01
60
90 90 69.04%
27
交通銀行股份有限公司
H
2024 6 30 2023 12 31 2022 12 31
(%) (%) (%)
8,021,208 97.02 7,731,141 97.16 7,091,355 97.21
137,555 1.66 120,256 1.51 105,084 1.44
8,158,763 98.68 7,851,397 98.67 7,196,439 98.65
23,776 0.29 28,523 0.36 40,465 0.55
29,990 0.36 32,383 0.41 33,257 0.46
55,205 0.67 44,782 0.56 24,804 0.34
108,971 1.32 105,688 1.33 98,526 1.35
8,267,734 100.00 7,957,085 100.00 7,294,965 100.00
2024 6 30 2023 12 31
(%) (%) (%) (%)
99,722 1.83 62,708 1.15 89,192 1.72 62,273 1.20
37,833 1.48 56,802 2.22 30,939 1.25 47,832 1.93
12,733 0.87 15,740 1.08 9,875 0.68 12,236 0.84
21,756 4.38 31,531 6.35 18,673 3.81 28,061 5.73
1,537 0.41 4,537 1.21 903 0.26 3,425 1.00
1,807 0.81 4,994 2.23 1,488 0.84 4,110 2.32
0 0.00 11 0.00 125 0.04 16 0.01
137,555 1.66 119,521 1.45 120,256 1.51 110,121 1.38
627.08 4.35 1.15% 0.05
568.02 89.70 2.22% 0.29
2024 6 30 2023 12 31
(%) (%) (%) (%)
5,451,393 65.94 83,803 1.54 5,179,533 65.09 85,549 1.65
2,555,798 30.91 25,157 0.98 2,473,100 31.08 20,123 0.81
1,460,961 17.67 7,067 0.48 1,462,634 18.39 5,462 0.37
496,289 6.00 11,537 2.32 489,725 6.15 9,385 1.92
374,991 4.54 3,288 0.88 343,585 4.32 2,713 0.79
223,557 2.70 3,265 1.46 177,156 2.22 2,563 1.45
260,543 3.15 11 0.00 304,452 3.83 16 0.01
8,267,734 100.00 108,971 1.32 7,957,085 100.00 105,688 1.33
28
交通銀行股份有限公司
H
2024 6 30 2023 12 31
(%) (%) (%) (%)
5,451,393 65.94 83,803 1.54 5,179,533 65.09 85,549 1.65
946,420 11.45 4,450 0.47 905,624 11.38 5,460 0.60
1,015,063 12.27 16,724 1.65 954,586 12.00 18,753 1.96
927,265 11.22 6,382 0.69 866,601 10.89 6,030 0.70
527,977 6.39 26,238 4.97 489,080 6.15 24,403 4.99
487,327 5.89 1,931 0.40 466,137 5.86 4,173 0.90
404,336 4.89 3,039 0.75 391,742 4.92 3,098 0.79
304,701 3.69 7,971 2.62 292,168 3.67 7,883 2.70
226,852 2.74 2,691 1.19 188,716 2.37 2,639 1.40
138,889 1.68 2,018 1.45 159,183 2.00 1,870 1.17
148,464 1.80 4,440 2.99 141,254 1.78 4,116 2.91
120,052 1.45 522 0.43 116,467 1.46 1,071 0.92
88,097 1.07 387 0.44 88,640 1.11 437 0.49
80,986 0.98 1,566 1.93 81,176 1.02 1,164 1.43
34,964 0.42 5,444 15.57 38,159 0.48 4,452 11.67
2,555,798 30.91 25,157 0.98 2,473,100 31.08 20,123 0.81
260,543 3.15 11 0.00 304,452 3.83 16 0.01
8,267,734 100.00 108,971 1.32 7,957,085 100.00 105,688 1.33
2024 6 30 2023 12 31
(%) (%) (%) (%)
2,349,459 28.42 21,858 0.93 2,226,422 27.98 20,582 0.92
1,086,817 13.15 13,841 1.27 1,051,204 13.21 12,214 1.16
1,327,289 16.05 13,945 1.05 1,288,078 16.19 16,472 1.28
1,336,311 16.16 13,922 1.04 1,290,880 16.22 13,311 1.03
984,747 11.91 8,781 0.89 947,510 11.91 9,443 1.00
268,887 3.25 10,808 4.02 265,215 3.33 11,221 4.23
342,101 4.14 14,274 4.17 359,446 4.52 13,053 3.63
572,123 6.92 11,542 2.02 528,330 6.64 9,392 1.78
8,267,734 100.00 108,971 1.32 7,957,085 100.00 105,688 1.33
29
交通銀行股份有限公司
H
2024 6 30 2023 12 31
(%) (%)
3 44,288 0.54 41,727 0.52
3 1 38,407 0.46 34,927 0.44
1 3 29,992 0.37 26,820 0.34
3 6,834 0.08 6,647 0.08
119,521 1.45 110,121 1.38
1195.21 94.00 1.45% 0.07
90 752.33 68.39
2024 6 30 2023 12 31
(%) (%)
60,749 0.73 40,836 0.51
6,120 0.07 6,306 0.08
[2023] 1
(%) 2024 1-6 2023 2022
0.91 1.70 1.89
16.31 24.12 26.55
49.36 57.06 52.87
50.49 58.63 26.61
30
交通銀行股份有限公司
H
4.42%
18.66%
2024 6 30
(%)
A 65,000 0.79
B 37,999 0.46
C 35,000 0.42
D 33,308 0.40
E 25,923 0.31
F 16,619 0.20
G 16,478 0.20
H 15,772 0.19
I 15,034 0.18
J 13,431 0.16
274,564 3.32
31
交通銀行股份有限公司
H
2024 2023 2022
6 30 12 31 12 31
(%) ≥25 65.30 64.92 69.76
2024 143.72% 112.15%
111.50%
2024
32
交通銀行股份有限公司
H
IT
33
交通銀行股份有限公司
H
34
交通銀行股份有限公司
H
1.29% 2
LPR
2023 20
LPR
(TLAC)
TLAC
35
交通銀行股份有限公司
H
74,262,726,645 A 39,250,864,015 52.85% H
35,011,862,630 47.15%
2024 6 30 2023 12 31
(%) (%)
– – – – –
74,262,726,645 100.00 – 74,262,726,645 100.00
1. 39,250,864,015 52.85 – 39,250,864,015 52.85
2. – – – – –
3. 35,011,862,630 47.15 – 35,011,862,630 47.15
74,262,726,645 100.00 – 74,262,726,645 100.00
277,228 A 247,301 H 29,927
1
(%)
– 13,178,424,446 17.75 A
– 4,553,999,999 6.13 H
2,4
(19,300) 0 0.00 A
– 14,135,636,613 19.03 H
3,4
– 3,105,155,568 4.18 A
– 8,433,333,332 11.36 H
4,5
3,973,040 7,715,433,713 10.39 H
– 1,891,651,202 2.55 A
266,536,214 1,312,631,266 1.77 A
– 1,246,591,087 1.68 A
5
– 808,145,417 1.09 A
5
– 745,305,404 1.00 A
– 663,941,711 0.89 A
1.
2. H 13,886,417,698
249,218,915 2007 H
3. 1,970,269,383 A H
630,178,000 A H 12,168,666,900
16.39%
4. H
H H 249,218,915 7,027,777,777
H 13,886,417,698 1,405,555,555
5. 2018 1
7
36
交通銀行股份有限公司
H
2018 1
1. 5% 5
(1) 1949 10
3 11100000000013186G
A H 17,732,424,445 23.88%
(2) 1866
Surendra Rosha 1
1,239.48 71.98 495.79
00173611-000 HSBC Asia Holdings Limited HSBC Holdings plc
HSBC Holdings plc H 14,135,636,613 19.03%
(3) 2000 8
800 11
12100000717800822N
A H 12,168,666,900
16.39%
[2022]1 1
6
162.56 7
11.67 1
44
2.
2018 1
(1) 1.68%
1988 6 13 557
5
6 1
36
7
37
交通銀行股份有限公司
H
(2) 1.09%
2009 10 15 90
7 3.00%
(3) 0.40%
1991 9 14 465
1 8
926.65
9
515.18
XV
336
A
A 1
(%) (%)
13,178,424,446 2
33.57 17.75
3,105,155,5684 7.91 4.18
H
H 1
(%) (%)
4,553,999,999 2
13.01 6.13
HSBC Holdings plc 14,135,636,6133 40.37 19.03
9,063,511,3324 25.89 12.21
1.
2. H 4,553,999,999 6.13% A
13,178,424,446 17.75%
3. HSBC Holdings plc HSBC Asia Holdings Limited HSBC Asia Holdings Limited
H 14,135,636,613 HSBC Holdings plc 14,135,636,613 H
4. H 9,063,511,332 12.21% A
3,105,155,568 4.18%
8 1
36
9
38
交通銀行股份有限公司
H
336
XV
56
(%)
– 100,000,000 22.22
1
– 48,910,000 10.87
5
– 20,000,000 4.44
2
– 20,000,000 4.44
1 20,000,000 20,000,000 4.44
– 18,000,000 4.00
– 15,000,000 3.33
– 15,000,000 3.33
– 13,800,000 3.07
10 8,528,000 12,761,000 2.84
1.
2.
3.
4.
2024 4 26
4.07% 1,831,500,000 2024 9 9
2024 4 26 2024 8 30
39
交通銀行股份有限公司
H
22 37
9 32
/
3
2021
/
2024 4 260 5+5 150
2.45% 10+5 110 2.60%
2024 5 250 3 2.20%
2024 5 50 3 2.14%
2021
2024 4 400
29
2016 9 4.5
A 72
32
40
交通銀行股份有限公司
H
2024 2 28 2024
2022 2022 4 2024 6 26 2023
2023 2023 2023 9
2023 2023 2023 12 31 742.63
0.375 278.49 2024 7 10
7 31 A H
2024
742.63 A H 0.182
135.16
41
交通銀行股份有限公司
H
珺
蔡浩儀
A 0 0 0 –
H 400,000 100,000 500,000
A 0 0 0 –
H 49,357 0 49,357 –
A 100,000 60,000 160,000
H 0 0 0 –
A 100,000 60,000 160,000
H 0 0 0 –
A 135,044 60,000 195,044
H 0 0 0 –
A 96,700 0 96,700 –
H 0 0 0 –
A 70,000 0 70,000 –
H 50,000 0 50,000 –
A 202,100 0 202,100 –
H 0 0 0 –
A 220,000 0 220,000 –
H 0 0 0 –
A 104,500 0 104,500 –
H 0 0 0 –
42
交通銀行股份有限公司
H
H 98
XV
XV
352 C3
2024 5 珺
2024 6
C1
93,408 86,945 2,602
3,861
(%) (%) (%)
3,663,027 25.84 706 24.41 27,970 29.94
1,228,672 8.67 320 11.07 9,718 10.40
2,063,448 14.55 482 16.67 13,681 14.65
1,547,945 10.92 517 17.88 14,160 15.16
1,031,314 7.27 479 16.56 11,655 12.48
498,321 3.51 321 11.10 8,298 8.88
1,218,186 8.59 66 2.28 3,154 3.38
5,130,087 36.18 1 0.03 4,772 5.11
(2,203,086) (15.53) – – – –
14,177,914 100.00 2,892 100.00 93,408 100.00
/
12
2,200 31
/
1 +2 +6 +9
43
交通銀行股份有限公司
H
1.
(ESG)
(ESG) 2023
2024
ESG
2023 2024
2.
ESG
2024-2025
30
44
交通銀行股份有限公司
H
(1)
(2)
(3)
(4)
3.
ESG ESG
10
8,709.98
489.56 5.96% 2,396.44 343.91
16.76% 452.41 72.10 18.96%
ESG
111.73
100 45%
2
10 A3327
45
交通銀行股份有限公司
H
15 9.5
S
(ESG)
ESG
ESG
131.61
ESG 164.14
20.67%
10
64.82 10 150.82
35.98
13
9
46
交通銀行股份有限公司
H
18.02% 100%
3,482
22.26% 71.2% 19 12378
315 515
1.44
e
367.06 54.69
7,950.32 679.40 9.34%11
11 2024 6
47
交通銀行股份有限公司
H
12
14.04
6
1 15
1.
(1) 2000 8 62.5% MS&AD
37.5% 51 333 22-23
(2) 2015 10
1 18/F, 20 Pedder Street, Central, HK
(3) 2015 10 1
1/F Far East Consortium BLDG, 121 Des Voeux RD Central, HK
(4) 2015 2 1
18/F, 20 Pedder Street, Central, Hong Kong
12 26 2022
48
交通銀行股份有限公司
H
2.
(1) 2024 1 5
3 2024 1 15
71.29
(2) 2024 4 18 6 37
362 3 1
(3) 2024 4 18 4 37.5
362 3 1
(4) 2024 4 18 1 30 362
3 1
26
930.65
49
交通銀行股份有限公司
H
7
C3
2023
2023 2024
260 2024 4 29
200 2024 5 27
50
交通銀行股份有限公司
H
200
218
28
8
1-39
455
116
9-1
11
3018
22
7
26
98
156 4
5
199
11
847
447
15
1
45
18
3
211
397
318
3 1 101 102
88
129
64
16
67
258-1
6
3535
428
51
交通銀行股份有限公司
H
20 B C 1 3
/
16 01 18
ONE EXCHANGE PLAZA 55 BROADWAY, 31ST & 32ND FLOOR, NEW
YORK NY 10006-3008, U.S.A.
575 MARKET STREET, 38th FLOOR, SAN FRANCISCO, CA 94105, U.S.A.
1-3-5 GROUP
128 Beach Road #25-01 Guoco Midtown Singapore 189733
6th DouZone Tower. #29, Eulji-ro, Jung-Gu, Seoul, 04523, Korea
Neue Mainzer Strasse 75, 60311 Frankfurt am Main, Germany
251A-301 16
17th floor, Vincom Center, 72 Le Thanh Ton, Dist.1, HCMC, VN
Level 23, 60 Martin Place, Sydney NSW2000, Australia
Level 35, 71 Eagle Street, Brisbane QLD4000, Australia
Level 34 Rialto South Tower, 525 Collins Street, Melbourne VIC, 3000,
Australia
5 7 101 29 A
4th Floor, 1 Bartholomew Lane, London EC2N 2AX UK
/ 7 Rue de la Chapelle, L-1325 Luxembourg, Luxembourg
90, Avenue des Champs-Elysees, 75008, Paris, France
3rd floor, Piazza Barberini 52, Rome. 00187, Italy
Av Baro de Tefé, 34-20th, Rio de Janeiro, Brazil, 20220-460
7th floor, RUSTONKA R2, Rohanske nabrezi 693/10, Prague 8, 186 00,
Czech Republic
140 West St, Sandown, Sandton, 2196, Johannesburg, South Africa
Suite 2460, 22 Adelaide Street West, Toronto, ON M5H 4E3, Canada
8
847
333 27-29
333 22-23
68
8
333
333 8-9
168-170
1
127
156 1 101
52
交通銀行股份有限公司
二零二四年中期報告
附錄 － 中期財務資料的審閱報告及中期簡要合併財務報表
26
54
55 27
57 28
58 29
60 30
31
62 32
1 33
2 34
3 35
4 36
5 37
6 38
7 39
8 40
9 41
10 42
11 43
12 44
13 45
14 46
15 47
16
17 153
18 1
19 2
20 3
21 4
22 5
23
24
25
53
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
中期財務資料的審閱報告
2024 6 30
2024 6 30
34
34
2410
34
54
交通銀行股份有限公司
二零二四年中期報告
未經審計的簡要合併財務報表
2024 6 30
6 30 6
2024 2023
228,038 228,406
(143,804) (146,019)
4 84,234 82,387
5 22,933 26,691
6 (1,933) (2,111)
21,000 24,580
7 12,089 17,637
934 (32)
104 10
307 161
8 13,986 12,574
132,550 137,307
9 (33,021) (36,346)
10 (467) (594)
11 (51,384) (50,693)
47,678 49,674
13 (1,853) (3,108)
45,825 46,566
55
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
未經審計的簡要合併財務報表（續）
2024 6 30
6 30 6
2024 2023
8,561 2,923
(801) (190)
(254) 448
– –
339 (1,079)
(31) 888
(34) 3,865
(2,734) (1,220)
5,046 5,635
– 4
1,251 1,129
(219) (148)
(460) (225)
572 760
39 5,618 6,395
51,443 52,961
45,287 46,039
538 527
45,825 46,566
50,710 51,959
733 1,002
51,443 52,961
14 0.56 0.57
56
交通銀行股份有限公司
二零二四年中期報告
未經審計的簡要合併財務報表（續）
2024 6 30
2024 6 30 2023 12 31
15 737,032 898,022
16 848,684 859,642
17 79,459 67,387
18 8,066,326 7,772,060
19 613,900 642,282
19 2,489,110 2,573,911
19 920,070 887,949
21 9,354 8,990
22 227,878 217,751
23 40,078 40,379
24 146,023 92,099
14,177,914 14,060,472
25 2,257,871 2,424,537
26 59,551 56,557
17 60,380 50,975
27 8,650,116 8,551,215
28 1,128,611 1,027,461
3,261 4,538
29 599,046 592,175
23 2,533 2,407
30 297,254 251,157
13,058,623 12,961,022
31 74,263 74,263
32 174,790 174,790
44,952 44,952
129,838 129,838
31 111,428 111,428
33 427,719 400,805
33 319,174 326,744
1,107,374 1,088,030
8,384 7,912
3,533 3,508
35 11,917 11,420
1,119,291 1,099,450
14,177,914 14,060,472
2024 8 28
57
58
2024 6 30
二零二四年中期報告
交通銀行股份有限公司
31 32 32 31 33 33 33 33,34 32
未經審計的簡要合併財務報表（續）
2024 1 1 74,263 44,952 129,838 111,428 97,227 140,399 159,053 1,277 301 84 3,214 (88) (662) 326,744 1,088,030 7,912 3,508 1,099,450
財務報表及其他
– – – – – – – 7,345 (219) 307 (27) – (1,983) 45,287 50,710 642 91 51,443
– – – – – – – – – – – – – (27,849) (27,849) (170) – (28,019)
– – – – – – – – – – – – – (1,832) (1,832) – – (1,832)
– – – – – – – – – – – – – (1,685) (1,685) – – (1,685)
– – – – – – – – – – – – – – – – (66) (66)
– – – – 8,162 – 13,367 – – – – – – (21,529) – – – –
– – – – – – – (38) – – – – – 38 – – – –
2024 6 30 74,263 44,952 129,838 111,428 105,389 140,399 172,420 8,584 82 391 3,187 (88) (2,645) 319,174 1,107,374 8,384 3,533 1,119,291
2023 6 30
31 32 32 31 33 33 33 33,34 32
2022 12 31
74,263 44,952 129,838 111,429 88,154 140,182 144,541 (6,664) (157) 693 1,164 (121) 1,016 292,734 1,022,024 8,040 3,458 1,033,522
– – – – – – – 191 – – – – – 127 318 190 – 508
2023 1 1 74,263 44,952 129,838 111,429 88,154 140,182 144,541 (6,473) (157) 693 1,164 (121) 1,016 292,861 1,022,342 8,230 3,458 1,034,030
– – – – – – – 3,463 (148) (191) 3,701 4 (909) 46,039 51,959 826 176 52,961
– – – – – – – – – – – – – (27,700) (27,700) (290) – (27,990)
– – – – – – – – – – – – – (1,832) (1,832) – – (1,832)
– – – – – – – – – – – – – (1,685) (1,685) – – (1,685)
– – – – – – – – – – – – – – – – (65) (65)
– – – – 8,468 – 13,579 – – – – – – (22,047) – – – –
– – – – – – – (95) – – – – – 95 – – – –
– – – (1) – – – – – – – – – – (1) (519) – (520)
2023 6 30 74,263 44,952 129,838 111,428 96,622 140,182 158,120 (3,105) (305) 502 4,865 (117) 107 285,731 1,043,083 8,247 3,569 1,054,899
59
交通銀行股份有限公司
二零二四年中期報告
未經審計的簡要合併財務報表（續）
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
未經審計的簡要合併財務報表（續）
2024 6 30
6 30 6
2024 2023
47,678 49,674
33,021 36,346
467 594
9,512 8,927
51 (22)
(377) (416)
(55,915) (55,162)
(1,693) (600)
(307) (161)
(829) 32
8,061 8,036
89 84
39,758 47,332
29,330 (30,155)
7,550 (139,134)
(326,103) (493,878)
29,397 40,397
(56,438) (47,053)
(156,987) 76,117
2,007 (7,721)
199,135 545,780
14,041 7,519
483 564
(4,615) (4,891)
(222,442) (5,123)
60
交通銀行股份有限公司
二零二四年中期報告
未經審計的簡要合併財務報表（續）
2024 6 30
6 30 6
2024 2023
(117) –
(674,206) (588,084)
731,976 493,374
317 236
57,294 53,712
(274) (1,145)
6 2
(18,857) (25,723)
1,903 5,400
98,042 (62,228)
70,876 80,566
(1,119) (1,340)
(64,804) (30,585)
(7,387) (5,690)
(1,685) (1,685)
(77) (280)
(4,196) 40,986
(1,081) 1,760
(129,677) (24,605)
275,461 248,803
40 145,784 224,198
174,448 172,545
(133,318) (117,538)
61
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
1
[1986]81
[1987]40 1987
4 1
2
(1)
34
2023
2023
(2)
(a) 2024
16 (i)
1 (2020) (i)
1 (2022) (i)
7 7 (i)
(i) 2023
62
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
2
(2)
(b)
21 2025 1 1 (i)
7 2026 1 1 (ii)
9
18 2027 1 1 (iii)
10 (i)
28
(i) 2023
(ii) 7 9
ESG
(iii) 18
2024 4 18
1
63
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
2
(3)
2023
3
(1)
(a)
64
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(1)
(a)
(i)
(1) (2) (3) (4) (5)
(ii)
65
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(1)
(a)
(ii)
(iii)
(iv)
[2023] 1
66
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(1)
(a)
(iv)
(b)
1
12 (ECL) 2 3
2 3
67
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(1)
(b)
30
(i)
(ii) 3
(iii)
(iv)
90
1 2 2
1
68
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(1)
(b)
12
(PD) (LGD)
(EAD)
(PD)
(EAD)
(LGD)
(PD) (EAD)
(LGD)
(GDP)
2024 6 30 2024 (GDP) 5.3%
2024
IMF
69
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(1)
(b)
2024 6 30
10% 5%
(c)
(i)
70
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(1)
(c)
(i)
2024 6 30
1 698,978 – – 698,978 26,154 725,132 – 725,132
4,752,367 89,934 65,099 4,907,400 471,812 5,379,212 (164,478) 5,214,734
1 4,679,184 – – 4,679,184 418,713 5,097,897 (74,959) 5,022,938
2 73,183 89,934 – 163,117 34,415 197,532 (37,929) 159,603
3 – – 65,099 65,099 18,684 83,783 (51,590) 32,193
332,549 – 14 332,563 144 332,707 – 332,707
1 329,816 – – 329,816 144 329,960 – 329,960
2 2,733 – – 2,733 – 2,733 – 2,733
3 – – 14 14 – 14 – 14
2,426,653 37,434 24,818 2,488,905 66,893 2,555,798 (56,065) 2,499,733
1 2,407,850 – – 2,407,850 66,000 2,473,850 (19,182) 2,454,668
2 18,803 37,434 – 56,237 554 56,791 (18,887) 37,904
3 – – 24,818 24,818 339 25,157 (17,996) 7,161
558,172 – – 558,172 293,559 851,731 (3,047) 848,684
1 558,172 – – 558,172 286,154 844,326 (3,046) 841,280
2 – – – – 7,405 7,405 (1) 7,404
2,393,994 2,169 1,160 2,397,323 95,164 2,492,487 (3,377) 2,489,110
1 2,393,994 – – 2,393,994 92,830 2,486,824 (1,513) 2,485,311
2 – 2,169 – 2,169 1,983 4,152 (899) 3,253
3 – – 1,160 1,160 351 1,511 (965) 546
418,382 – – 418,382 485,653 904,035 – 904,035
1 418,382 – – 418,382 483,538 901,920 – 901,920
2 – – – – 2,038 2,038 – 2,038
3 – – – – 77 77 – 77
11,581,095 129,537 91,091 11,801,723 1,439,379 13,241,102 (226,967) 13,014,135
71
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(1)
(c)
(i)
2023 12 31
1 862,742 – – 862,742 22,803 885,545 – 885,545
4,458,676 81,134 67,245 4,607,055 478,432 5,085,487 (152,862) 4,932,625
1 4,378,790 – – 4,378,790 437,523 4,816,313 (60,962) 4,755,351
2 79,886 81,134 – 161,020 22,627 183,647 (38,395) 145,252
3 – – 67,245 67,245 18,282 85,527 (53,505) 32,022
398,335 125 19 398,479 – 398,479 – 398,479
1 391,313 – – 391,313 – 391,313 – 391,313
2 7,022 125 – 7,147 – 7,147 – 7,147
3 – – 19 19 – 19 – 19
2,355,913 30,662 19,808 2,406,383 66,717 2,473,100 (50,913) 2,422,187
1 2,336,427 – – 2,336,427 66,017 2,402,444 (19,710) 2,382,734
2 19,486 30,662 – 50,148 385 50,533 (16,945) 33,588
3 – – 19,808 19,808 315 20,123 (14,258) 5,865
441,228 – – 441,228 420,963 862,191 (2,549) 859,642
1 441,228 – – 441,228 412,770 853,998 (2,543) 851,455
2 – – – – 8,193 8,193 (6) 8,187
2,477,019 2,784 1,136 2,480,939 96,610 2,577,549 (3,638) 2,573,911
1 2,477,019 – – 2,477,019 95,803 2,572,822 (1,662) 2,571,160
2 – 2,784 – 2,784 382 3,166 (997) 2,169
3 – – 1,136 1,136 425 1,561 (979) 582
417,918 103 – 418,021 455,245 873,266 – 873,266
1 417,918 – – 417,918 452,134 870,052 – 870,052
2 – 103 – 103 2,983 3,086 – 3,086
3 – – – – 128 128 – 128
11,411,831 114,808 88,208 11,614,847 1,540,770 13,155,617 (209,962) 12,945,655
72
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(1)
(c)
(ii)
2024 2023
6 30 12 31
79,459 67,387
17 19
171,376 227,242
212,881 180,911
73,378 73,770
3,914 4,524
152,351 155,835
693,376 709,688
(iii)
73
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(1)
(c)
(iii)
90%
90%
90%
60%
65%
70%
70%
50%
2024 6 30
108,940 (69,586) 39,354 58,851
14 – 14 11
1,511 (965) 546 881
77 – 77 –
74
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(1)
(c)
(iii)
2023 12 31
105,650 (67,763) 37,887 50,316
19 – 19 16
1,561 (979) 582 832
128 – 128 –
(d)
2024
(e)
2024 2023
6 30 12 31
1,318 1,366
8 8
10 10
1,336 1,384
(482) (439)
854 945
75
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(1)
(f)
2024 6 30
701,316 2,553 21,263 725,132
658,126 64,277 126,281 848,684
41,974 29,855 7,630 79,459
7,733,683 206,039 126,604 8,066,326
523,518 10,805 6,199 540,522
2,430,386 42,601 16,123 2,489,110
483,915 234,170 185,950 904,035
78,150 9,223 628 88,001
12,651,068 599,523 490,678 13,741,269
1,253,048 5,582 14,585 1,273,215
1,015,254 16,365 14,665 1,046,284
2,268,302 21,947 29,250 2,319,499
2023 12 31
865,236 1,578 18,731 885,545
649,279 83,984 126,379 859,642
31,029 29,982 6,376 67,387
7,421,635 217,391 133,034 7,772,060
552,977 9,664 5,871 568,512
2,513,000 43,769 17,142 2,573,911
467,473 223,644 182,149 873,266
27,536 5,948 5,510 38,994
12,528,165 615,960 495,192 13,639,317
1,186,022 6,118 13,111 1,205,251
1,004,082 18,895 4,363 1,027,340
2,190,104 25,013 17,474 2,232,591
76
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(1)
(f)
2024 6 30 2023 12 31
% %
2,349,459 28.42 2,226,422 27.98
1,336,311 16.16 1,290,880 16.22
1,327,289 16.05 1,288,078 16.19
1,086,817 13.15 1,051,204 13.21
984,747 11.91 947,510 11.91
572,123 6.92 528,330 6.64
268,887 3.25 265,215 3.33
342,101 4.14 359,446 4.52
8,267,734 100.00 7,957,085 100.00
45
2024 6 30 2023 12 31
% %
1,015,063 12.27 954,586 12.00
946,420 11.45 905,624 11.38
927,265 11.22 866,601 10.89
527,977 6.39 489,080 6.15
487,327 5.89 466,137 5.86
404,336 4.89 391,742 4.92
304,701 3.69 292,168 3.67
226,852 2.74 188,716 2.37
148,464 1.80 141,254 1.78
138,889 1.68 159,183 2.00
120,052 1.45 116,467 1.46
80,986 0.98 81,176 1.02
34,964 0.42 38,159 0.48
88,097 1.07 88,640 1.11
260,543 3.15 304,452 3.83
5,711,936 69.09 5,483,985 68.92
1,460,961 17.67 1,462,634 18.39
496,289 6.00 489,725 6.15
374,991 4.54 343,585 4.32
219,994 2.66 173,423 2.18
3,563 0.04 3,733 0.04
2,555,798 30.91 2,473,100 31.08
8,267,734 100.00 7,957,085 100.00
2017 (GB/T 4754-2017)
77
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(2)
(VaR)
78
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(2)
(a) VaR
VaR
99% 1
2024 6 30 6
241 279 418 155
150 160 234 146
209 247 420 75
2023 6 30 6
252 504 681 243
250 448 572 250
145 116 195 36
(b)
100
2024 2023
6 30 12 31
100 5,301 11,574
100 (5,301) (11,574)
100
2024 2023
6 30 12 31
100 (20,962) (17,882)
100 23,889 20,084
79
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(2)
(b)
5% 5%
2024 2023
6 30 12 31
5% (377) 837
5% 377 (837)
5% 5%
2024 2023
6 30 12 31
5% (3,501) (3,481)
5% 3,501 3,481
80
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(2)
(b)
(c)
2013 7 20
2015 10 24 2019
(LPR)
LPR
81
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(2)
(c)
2024 6 30
723,676 – – – – 13,356 737,032
368,877 148,005 279,349 46,092 105 6,256 848,684
– – – – – 79,459 79,459
855,247 1,139,181 4,993,453 646,125 152,182 280,138 8,066,326
21,080 30,331 32,674 70,725 40,606 418,484 613,900
23,175 46,113 127,009 1,174,666 1,090,848 27,299 2,489,110
34,731 71,618 79,473 459,700 249,356 25,192 920,070
1,180 – – – – 422,153 423,333
2,027,966 1,435,248 5,511,958 2,397,308 1,533,097 1,272,337 14,177,914
(1,339,163) (320,702) (565,188) (18,939) (1,322) (12,557) (2,257,871)
(5,445) (4,269) (10,796) (25,344) – (13,697) (59,551)
– – – – – (60,380) (60,380)
(3,872,153) (644,301) (1,666,207) (2,300,362) (14,623) (152,470) (8,650,116)
(121,441) (285,574) (791,272) (302,052) (348,559) (181,807) (2,030,705)
(5,338,202) (1,254,846) (3,033,463) (2,646,697) (364,504) (420,911) (13,058,623)
(3,310,236) 180,402 2,478,495 (249,389) 1,168,593 851,426 1,119,291
2023 12 31
884,284 – – – – 13,738 898,022
434,995 148,731 232,858 36,844 17 6,197 859,642
– – – – – 67,387 67,387
1,924,013 1,178,073 3,741,404 453,813 177,729 297,028 7,772,060
16,558 18,941 90,093 63,598 62,685 390,407 642,282
11,920 65,591 179,537 1,101,787 1,186,480 28,596 2,573,911
34,805 88,610 104,644 404,770 231,057 24,063 887,949
1,161 – – – – 358,058 359,219
3,307,736 1,499,946 4,348,536 2,060,812 1,657,968 1,185,474 14,060,472
(1,453,238) (276,568) (634,551) (40,657) (6,535) (12,988) (2,424,537)
(2,941) (126) (13,658) (27,341) – (12,491) (56,557)
– – – – – (50,975) (50,975)
(3,951,448) (686,639) (1,363,898) (2,398,185) (3) (151,042) (8,551,215)
(132,766) (317,076) (657,052) (313,319) (307,974) (149,551) (1,877,738)
(5,540,393) (1,280,409) (2,669,159) (2,779,502) (314,512) (377,047) (12,961,022)
(2,232,657) 219,537 1,679,377 (718,690) 1,343,456 808,427 1,099,450
82
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(2)
(d)
2024 6 30 1 7.1268 2023 12 31
7.0827 1 0.91268 2023 12 31 0.9062
2024 6 30
699,027 15,926 3,527 18,552 737,032
537,995 220,190 47,447 43,052 848,684
52,442 23,171 2,204 1,642 79,459
7,611,008 190,555 174,812 89,951 8,066,326
539,359 57,700 3,706 13,135 613,900
2,386,450 74,535 13,089 15,036 2,489,110
470,193 355,303 11,525 83,049 920,070
211,416 195,132 7,541 9,244 423,333
12,507,890 1,132,512 263,851 273,661 14,177,914
(1,923,619) (268,257) (8,769) (57,226) (2,257,871)
(43,116) (11,418) (1,113) (3,904) (59,551)
(47,875) (6,169) (4,119) (2,217) (60,380)
(7,966,028) (375,698) (243,314) (65,076) (8,650,116)
(1,800,810) (184,200) (21,172) (24,523) (2,030,705)
(11,781,448) (845,742) (278,487) (152,946) (13,058,623)
726,442 286,770 (14,636) 120,715 1,119,291
2,108,143 164,188 13,490 33,678 2,319,499
83
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(2)
(d)
2023 12 31
863,157 16,398 2,583 15,884 898,022
523,097 264,554 33,678 38,313 859,642
39,341 21,204 4,059 2,783 67,387
7,276,689 208,367 189,991 97,013 7,772,060
567,556 57,516 3,210 14,000 642,282
2,468,066 76,789 14,221 14,835 2,573,911
455,213 338,548 17,033 77,155 887,949
158,175 184,010 6,402 10,632 359,219
12,351,294 1,167,386 271,177 270,615 14,060,472
(2,071,836) (284,634) (7,232) (60,835) (2,424,537)
(45,060) (7,693) (1,107) (2,697) (56,557)
(36,367) (6,239) (5,342) (3,027) (50,975)
(7,870,593) (373,200) (253,858) (53,564) (8,551,215)
(1,645,750) (183,905) (23,108) (24,975) (1,877,738)
(11,669,606) (855,671) (290,647) (145,098) (12,961,022)
681,688 311,715 (19,470) 125,517 1,099,450
2,055,142 135,069 13,899 28,481 2,232,591
(e)
(3)
84
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(3)
(a)
(b)
2024 6 30
– 665,804 70,944 – 284 – – – 737,032
– – 75,373 256,123 130,081 289,936 102,469 21,378 875,360
86,555 – – 488,074 497,984 2,075,565 2,841,442 4,101,311 10,090,931
74 85,301 257,645 34,032 56,057 51,943 105,085 45,032 635,169
961 – – 26,347 55,387 191,783 1,412,094 1,245,284 2,931,856
46 16,035 – 23,578 39,432 118,976 565,993 309,497 1,073,557
2,396 – 85,605 – – – – – 88,001
90,032 767,140 489,567 828,154 779,225 2,728,203 5,027,083 5,722,502 16,431,906
– – (862,707) (459,632) (282,662) (584,733) (72,440) (19,404) (2,281,578)
– (509) (13,212) (2,567) (6,199) (11,919) (26,281) – (60,687)
– – (3,112,880) (677,010) (769,480) (1,824,369) (2,404,859) (17,393) (8,805,991)
– – – (108,016) (276,764) (744,637) (11,036) (330) (1,140,783)
– – – (1,407) (7,903) (71,809) (320,667) (288,547) (690,333)
– – (91,387) (2,243) (459) (2,101) (7,264) (3,759) (107,213)
– (509) (4,080,186) (1,250,875) (1,343,467) (3,239,568) (2,842,547) (329,433) (13,086,585)
90,032 766,631 (3,590,619) (422,721) (564,242) (511,365) 2,184,536 5,393,069 3,345,321
85
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(3)
(b)
2023 12 31
– 695,143 202,550 – 329 – – – 898,022
– – 70,228 337,245 132,864 244,157 78,396 20,173 883,063
76,918 – – 536,179 526,757 2,005,894 2,627,952 3,681,800 9,455,500
89 70,471 242,065 15,695 51,696 117,071 102,928 68,783 668,798
1,003 – – 14,630 74,810 250,806 1,351,540 1,350,430 3,043,219
73 14,683 – 19,138 47,199 143,138 519,908 285,228 1,029,367
2,003 – 36,991 – – – – – 38,994
80,086 780,297 551,834 922,887 833,655 2,761,066 4,680,724 5,406,414 16,016,963
– – (906,104) (544,729) (265,996) (649,323) (66,668) (17,997) (2,450,817)
– (577) (11,005) (1,693) (1,562) (14,672) (29,191) – (58,700)
– – (3,192,693) (886,873) (701,788) (1,406,736) (2,522,115) (3) (8,710,208)
– – – (116,088) (293,059) (615,261) (15,678) (455) (1,040,541)
– – – (4,264) (20,884) (76,961) (321,073) (263,540) (686,722)
– – (79,863) (2,308) (533) (2,362) (5,449) (6,014) (96,529)
– (577) (4,189,665) (1,555,955) (1,283,822) (2,765,315) (2,960,174) (288,009) (13,043,517)
80,086 779,720 (3,637,831) (633,068) (450,167) (4,249) 1,720,550 5,118,405 2,973,446
(c)
(i)
86
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(3)
(c)
(i)
2024 6 30
20 16 24 23 – 83
986 2,153 8,229 19,651 2,164 33,183
8 4 18 28 – 58
1,014 2,173 8,271 19,702 2,164 33,324
(17) (15) (20) (17) – (69)
(426) (1,154) (3,907) (8,030) (436) (13,953)
– (1) (14) (4) – (19)
(443) (1,170) (3,941) (8,051) (436) (14,041)
2023 12 31
4 6 6 – – 16
932 2,688 9,242 20,428 2,915 36,205
2 5 2 14 – 23
938 2,699 9,250 20,442 2,915 36,244
(6) (4) (7) (2) – (19)
(484) (1,588) (5,236) (10,488) (1,473) (19,269)
– (15) (71) (58) – (144)
(490) (1,607) (5,314) (10,548) (1,473) (19,432)
87
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(3)
(c)
(ii)
2024 6 30
1,480,885 1,217,610 2,893,303 117,172 11,930 5,720,900
(1,482,544) (1,219,119) (2,892,345) (117,293) (9,971) (5,721,272)
(1,659) (1,509) 958 (121) 1,959 (372)
2023 12 31
1,135,990 1,077,307 1,980,490 144,136 11,585 4,349,508
(1,135,816) (1,075,969) (1,981,905) (144,536) (11,553) (4,349,779)
174 1,338 (1,415) (400) 32 (271)
(d)
2024 6 30
– 665,804 70,944 – 284 – – – 737,032
– – 75,115 255,037 128,854 283,235 92,109 14,334 848,684
– – – 8,332 10,150 29,045 20,006 11,926 79,459
51,017 – – 473,160 445,790 1,893,761 2,269,872 2,932,726 8,066,326
74 85,301 257,645 33,492 55,183 48,515 92,368 41,322 613,900
961 – – 25,339 51,052 139,507 1,181,348 1,090,903 2,489,110
46 16,035 – 23,014 37,521 99,794 489,253 254,407 920,070
2,396 257,369 123,490 – – 4,703 35,375 – 423,333
54,494 1,024,509 527,194 818,374 728,834 2,498,560 4,180,331 4,345,618 14,177,914
– – (862,707) (459,464) (280,945) (576,754) (64,969) (13,032) (2,257,871)
– (509) (13,212) (2,567) (6,186) (11,733) (25,344) – (59,551)
– – – (9,353) (11,250) (26,675) (10,999) (2,103) (60,380)
– – (3,112,496) (671,279) (757,811) (1,774,051) (2,319,177) (15,302) (8,650,116)
– – (102,416) (155,359) (292,601) (811,079) (316,879) (352,371) (2,030,705)
– (509) (4,090,831) (1,298,022) (1,348,793) (3,200,292) (2,737,368) (382,808) (13,058,623)
54,494 1,024,000 (3,563,637) (479,648) (619,959) (701,732) 1,442,963 3,962,810 1,119,291
88
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(3)
(d)
2023 12 31
– 695,143 202,550 – 329 – – – 898,022
– – 70,015 336,651 131,534 238,325 70,169 12,948 859,642
– – – 7,916 14,014 16,290 17,992 11,175 67,387
46,696 – – 518,606 485,650 1,847,322 2,117,921 2,755,865 7,772,060
89 70,471 242,065 15,357 51,042 111,629 88,343 63,286 642,282
1,003 – – 13,927 69,928 194,362 1,107,467 1,187,224 2,573,911
73 14,683 – 18,815 45,034 124,703 449,115 235,526 887,949
2,003 247,290 69,547 – – 4,165 36,214 – 359,219
49,864 1,027,587 584,177 911,272 797,531 2,536,796 3,887,221 4,266,024 14,060,472
– – (906,104) (544,069) (264,549) (637,782) (59,622) (12,411) (2,424,537)
– (577) (11,005) (1,693) (1,561) (14,379) (27,342) – (56,557)
– – – (7,795) (12,030) (18,144) (10,465) (2,541) (50,975)
– – (3,191,422) (878,497) (687,874) (1,370,261) (2,423,158) (3) (8,551,215)
– – (92,833) (138,310) (329,373) (676,462) (329,228) (311,532) (1,877,738)
– (577) (4,201,364) (1,570,364) (1,295,387) (2,717,028) (2,849,815) (326,487) (12,961,022)
49,864 1,027,010 (3,617,187) (659,092) (497,856) (180,232) 1,037,406 3,939,537 1,099,450
(e)
2024 6 30
1 1 5 5
957,995 39,958 48,331 1,046,284
1,058,572 204,824 9,819 1,273,215
2,016,567 244,782 58,150 2,319,499
2023 12 31
1 1 5 5
953,626 31,706 42,008 1,027,340
980,707 215,611 8,933 1,205,251
1,934,333 247,317 50,941 2,232,591
89
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(4)
(a)
(i)
(ii)
(iii)
90
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(4)
(a)
(b)
2024 6 30 2023 12 31
2,489,110 2,596,982 2,573,911 2,635,222
(580,668) (596,173) (566,611) (569,680)
2024 6 30
4,460 2,544,276 48,246 2,596,982
– (596,173) – (596,173)
2023 12 31
4,282 2,573,820 57,120 2,635,222
– (569,680) – (569,680)
91
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(4)
(c)
2024 6 30
– 3,358 – 3,358
3,346 165,268 2,762 171,376
140,404 45,275 27,202 212,881
6,230 888 66,260 73,378
– 3,914 – 3,914
– 152,351 – 152,351
– 78,202 1,257 79,459
– 17 – 17
149,980 449,273 97,481 696,734
2,330 899,419 2,286 904,035
9,906 – 6,129 16,035
– 332,693 14 332,707
12,236 1,232,112 8,429 1,252,777
162,216 1,681,385 105,910 1,949,511
2024 6 30
– (8,185) – (8,185)
(6) (59,071) (474) (59,551)
– (60,380) – (60,380)
– (18,378) – (18,378)
(6) (146,014) (474) (146,494)
92
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(4)
(c)
2023 12 31
– 13,035 – 13,035
1,187 223,348 2,707 227,242
105,771 49,082 26,058 180,911
4,686 870 68,214 73,770
– 4,524 – 4,524
– 155,835 – 155,835
– 66,362 1,025 67,387
– 19 – 19
111,644 513,075 98,004 722,723
2,523 868,192 2,551 873,266
8,544 – 6,139 14,683
– 398,460 19 398,479
11,067 1,266,652 8,709 1,286,428
122,711 1,779,727 106,713 2,009,151
2023 12 31
– (11,464) – (11,464)
(6) (56,015) (536) (56,557)
– (50,975) – (50,975)
– (25,564) – (25,564)
(6) (144,018) (536) (144,560)
2024 6 30 6 2023
2024 1 1 98,004 8,709 (536)
1,697 47 62
– 10 –
20,636 1,733 –
(19,694) (2,070) –
(3,162) – –
2024 6 30 97,481 8,429 (474)
2024 6 30
2,042 62 –
2,054 39 62
93
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
3
(4)
(c)
2023 1 1 88,064 6,663 –
586 78 –
– 316 –
31,051 2,209 (536)
(21,697) (565) –
– 8 –
2023 12 31 98,004 8,709 (536)
2023 12 31
3,411 75 –
579 406 –
(5)
(6)
94
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
3
(6)
2024 6 30
2024
4
6 30 6
2024 2023
150,721 153,272
55,915 55,162
15,506 13,950
5,896 6,022
228,038 228,406
(91,706) (95,767)
(28,664) (26,488)
(15,373) (15,728)
(8,061) (8,036)
(143,804) (146,019)
84,234 82,387
5
6 30 6
2024 2023
8,027 10,005
4,681 4,887
4,121 4,088
2,128 3,518
1,705 1,661
1,299 1,676
896 750
76 106
22,933 26,691
95
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
6
6 30 6
2024 2023
1,046 1,130
756 858
131 123
1,933 2,111
7
6 30 6
2024 2023
9,355 13,014
5,459 4,538
(2,725) 85
12,089 17,637
2024 6 30
10 2023 6 30
18
8
6 30 6
2024 2023
10,058 9,390
1,436 1,065
377 416
235 195
(33) (1)
1,913 1,509
13,986 12,574
96
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
9
6 30 6
2024 2023
31,179 33,800
1,373 (112)
494 634
137 162
(8) 313
(261) 401
107 1,148
33,021 36,346
10
6 30 6
2024 2023
409 581
58 19
– (6)
467 594
11
6 30 6
2024 2023
19,354 19,933
12 15,376 15,414
7,499 6,432
4,891 4,732
1,955 1,907
1,571 1,605
51 (22)
687 692
51,384 50,693
12
6 30 6
2024 2023
9,415 9,808
(1) 2,412 2,216
3,549 3,390
15,376 15,414
97
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
12
(1)
6 30 6
2024 2023
1,502 1,378
930 831
2,432 2,209
2024 2023
6 30 12 31
81 84
34 41
115 125
2.32% -0.05% 2023 12 31
2.70% 0.42%)
2024 2023
6 30 12 31
316 331
6 30 6
2024 2023
13 7
– (4)
13 3
98
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
13
6 30 6
2024 2023
2,082 5,252
866 420
382 329
3,330 6,001
23 (1,477) (2,893)
1,853 3,108
25% 2023 25%)
25% 2023 25%)
6 30 6
2024 2023
47,678 49,674
25% 11,920 12,419
(271) (29)
(1) 2,689 3,074
(2) (11,843) (12,086)
(221) 151
(421) (421)
1,853 3,108
(1)
(2)
14
6 30 6
2024 2023
45,287 46,039
(1,832) (1,832)
(1,685) (1,685)
41,770 42,522
74,263 74,263
0.56 0.57
1,832 1,685
2024 6 30
99
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
15
2024 2023
6 30 12 31
11,900 12,477
664,632 694,211
59,044 190,073
1,172 932
284 329
737,032 898,022
16
2024 2023
6 30 12 31
107,035 74,753
32,887 34,045
842 425
(490) (267)
109,366 200,438
2,678 499
18 56
(458) (602)
83,763 107,522
134,783 115,803
313,756 257,638
61,180 65,272
5,423 5,740
(2,099) (1,680)
848,684 859,642
2024 6 30 2023 12 31
100
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
17
2024 6 30
5,682,167 44,704 (44,984)
3,836,441 31,493 (13,080)
135,957 3,262 (2,316)
9,654,565 79,459 (60,380)
2023 12 31
4,437,857 36,040 (37,499)
3,349,227 27,483 (11,509)
120,757 3,864 (1,967)
7,907,841 67,387 (50,975)
(1)
2024 6 30 2023 6 30
2024 6 30 2023 12 31
246,881 13,517 (369) 230,540 12,002 (898)
(a)
6 30 6
2024 2023
2,131 457
(1,900) (334)
231 123
(b)
1 1 3 3 1 1 5 5
2024 6 30 2,645 760 26,082 136,614 80,780 246,881
2023 12 31 1,279 7,715 14,762 132,865 73,919 230,540
101
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
17
(1)
(c)
2024 6 30
216,845 – (13,082) –
18,537 (1,629) (18) 1
235,382 (1,629) (13,100) 1
2023 12 31
204,123 – (10,967) –
17,042 (884) (10) 2
221,165 (884) (10,977) 2
(2)
102
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
17
(2)
2024 6 30 2023 6 30
2024 6 30 2023 12 31
145,803 1,304 (1,983) 148,892 1,225 (2,103)
36,930 534 (12) 22,063 603 (22)
182,733 1,838 (1,995) 170,955 1,828 (2,125)
(a)
1 1 3 3 1 1 5 5
2024 6 30 17,388 33,894 83,716 44,497 3,238 182,733
2023 12 31 13,911 43,152 78,265 32,117 3,510 170,955
(b)
2024 6 30 2023 12 31
70,525 (72,760) 34,461 (107,383)
496 (36,244) 1,422 (20,662)
71,021 (109,004) 35,883 (128,045)
2024 6 30 6
(552) 41 (307)
63 – (84)
(489) 41 (391)
103
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
17
(2)
(b)
2023 6 30 6
1,391 (1,184) (684)
32 – 182
1,423 (1,184) (502)
18
(1)
2024 2023
6 30 12 31
7,935,010 7,558,587
332,707 398,479
17 19
(220,543) (203,775)
21,823 21,380
(2,688) (2,630)
8,066,326 7,772,060
(2)
2024 2023
6 30 12 31
3,021,133 2,883,274
1,374,117 1,288,963
2,737,480 2,904,861
1,135,004 879,987
8,267,734 7,957,085
104
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
18
(3)
2024 6 30 6
1 2 3
12
2024 1 1 80,672 55,340 67,763 203,775
1 4,597 (4,495) (102) –
2 (1,798) 2,779 (981) –
3 (142) (8,884) 9,026 –
10,816 12,027 8,262 31,105
– – (16,367) (16,367)
– – 2,401 2,401
(4) 49 (416) (371)
2024 6 30 94,141 56,816 69,586 220,543
2023
1 2 3
12
2023 1 1 68,795 45,385 61,998 176,178
1 6,721 (5,464) (1,257) –
2 (3,045) 7,082 (4,037) –
3 (598) (12,526) 13,124 –
8,735 20,655 24,014 53,404
– – (31,046) (31,046)
– – 5,662 5,662
64 208 (695) (423)
2023 12 31 80,672 55,340 67,763 203,775
2024 6 30 6
1 2 3
12
2024 1 1 2,281 191 62 2,534
1 – – – –
2 – – – –
3 – – – –
178 (45) 4 137
– – (16) (16)
2024 6 30 2,459 146 50 2,655
105
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
18
(3)
2023
1 2 3
12
2023 1 1 1,522 240 79 1,841
1 – – – –
2 – – – –
3 – – – –
759 (49) 23 733
– – (53) (53)
– – 17 17
– – (4) (4)
2023 12 31 2,281 191 62 2,534
(4)
2024 6 30
3 1
3 1 3
3 1 3 3
22,335 14,969 6,069 282 43,655
3,518 4,210 8,632 1,543 17,903
15,382 17,125 12,546 4,663 49,716
3,053 2,103 2,745 346 8,247
44,288 38,407 29,992 6,834 119,521
2023 12 31
3 1
3 1 3
3 1 3 3
22,164 9,447 6,363 135 38,109
2,851 9,326 7,081 1,549 20,807
14,614 12,731 8,898 4,618 40,861
2,098 3,423 4,478 345 10,344
41,727 34,927 26,820 6,647 110,121
106
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
19
2024 2023
6 30 12 31
32,427 33,898
124,033 189,509
457,440 418,875
613,900 642,282
22,190 22,977
2,353,182 2,433,583
90,626 93,268
26,489 27,721
(3,377) (3,638)
2,489,110 2,573,911
76,923 68,428
726,011 710,140
91,982 85,366
9,119 9,332
904,035 873,266
7,359 3,765
2,577 4,827
6,099 6,091
16,035 14,683
920,070 887,949
2024 6 30
241 2023 6 30 147 2024 6 30
38 2023 6
30 95
107
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
19
2024 2023
6 30 12 31
84,249 107,622
62,994 81,756
24,024 37,823
109 41
171,376 227,242
2,284,252 2,325,862
111,098 130,444
36,778 44,057
12,556 17,768
2,444,684 2,518,131
448,685 403,116
313,324 336,966
125,529 115,340
16,497 17,844
904,035 873,266
2024 6 30 6
1 2 3
12
2024 1 1 1,662 997 979 3,638
1 116 (116) – –
2 (1) 1 – –
3 – – – –
(265) 17 (13) (261)
1 – (1) –
2024 6 30 1,513 899 965 3,377
108
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
19
2023
1 2 3
12
2022 12 31 1,547 260 957 2,764
(8) – – (8)
2023 1 1 1,539 260 957 2,756
1 – – – –
2 (6) 6 – –
3 – (6) 6 –
127 229 (311) 45
2 508 327 837
2023 12 31 1,662 997 979 3,638
2024 6 30 6
1 2 3
12
2024 1 1 1,094 23 1,314 2,431
1 20 (20) – –
2 (1) 1 – –
3 – – – –
(32) (1) 25 (8)
– – (359) (359)
– – 5 5
– – 6 6
2024 6 30 1,081 3 991 2,075
2023
1 2 3
12
2022 12 31 628 13 890 1,531
8 – – 8
2023 1 1 636 13 890 1,539
1 – – – –
2 (3) 3 – –
3 (1) (5) 6 –
451 22 554 1,027
– – (362) (362)
11 (10) 226 227
2023 12 31 1,094 23 1,314 2,431
109
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
20
(%)
20,000,000,000 100.00 –
5,764,705,882 85.00 –
200,000,000 65.00 –
8,000,000,000 100.00 –
5,100,000,000 62.50 –
15,000,000,000 100.00 –
2,734,392,000 73.14 –
400,000,000 100.00 –
230,000,000 97.29 –
180,000,000 51.00 –
150,000,000 51.00 –
150,000,000 51.00 –
37,900,000,000 100.00 –
350,000,000 100.00 –
BOCOM Brazil Holding 700,000,000 100.00 –
Company Ltda
BANCO BOCOM BBM S.A. Alexandre 469,300,389 – 80.00
Lowenkron
2024 6 30
21
2024 2023
6 30 12 31
6,474 6,474
2,483 2,204
130 103
(446) (372)
(2) (2)
8,639 8,407
715 583
9,354 8,990
110
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
21
2,741 2001
12 3 2024 6 30 9.01% 2023
12 31 9.01%)
3,320 2011 12 30
2024 6 30 10.60% 2023 12
31 10.60%)
88,500 2020 7
14 2024 6 30 8.47% 2023 12
31 8.47%)
11,150 2022 3 22
2024 6 30 8.97% 2023 12
31 8.97%)
22
2024 1 1 78,239 2,042 31,801 206,036 318,118
35 81 312 19,857 20,285
788 (788) – – –
6 – – – 6
(96) (7) (674) (3,689) (4,466)
2024 6 30 78,972 1,328 31,439 222,204 333,943
2024 1 1 (34,053) – (22,466) (39,499) (96,018)
(1,395) – (1,903) (4,871) (8,169)
55 – 643 1,974 2,672
2024 6 30 (35,393) – (23,726) (42,396) (101,515)
2024 1 1 – (16) – (4,333) (4,349)
– – – (409) (409)
– – – 208 208
2024 6 30 – (16) – (4,534) (4,550)
2024 6 30 43,579 1,312 7,713 175,274 227,878
111
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
22
2023 1 1 75,563 3,515 30,312 175,378 284,768
1,521 631 3,881 42,935 48,968
2,033 (2,033) – – –
701 – – – 701
(1,579) (71) (2,392) (12,277) (16,319)
2023 12 31 78,239 2,042 31,801 206,036 318,118
2023 1 1 (32,070) – (21,087) (33,294) (86,451)
(2,770) – (3,553) (9,322) (15,645)
787 – 2,174 3,117 6,078
2023 12 31 (34,053) – (22,466) (39,499) (96,018)
2023 1 1 – (16) – (4,132) (4,148)
– – – (1,007) (1,007)
– – – 806 806
2023 12 31 – (16) – (4,333) (4,349)
2023 12 31 44,186 2,026 9,335 162,204 217,751
2024 6 30 66,309
2023 12 31 64,550
2024 6 30 173 2023 12
31 173
112
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
23
2024 6 30 25%
2023 12 31 25% 16.5% 2023 12
31 16.5%
2024 6 30 2023 12 31
151,052 37,763 143,596 35,899
65,192 16,298 53,312 13,328
10,860 2,715 9,524 2,381
9,132 2,283 8,264 2,066
6,460 1,615 6,456 1,614
22,524 5,631 20,948 5,237
265,220 66,305 242,100 60,525
(76,484) (19,121) (64,920) (16,230)
(4,528) (1,132) (2,704) (676)
(13,408) (3,352) (2,120) (530)
(20,620) (5,155) (20,468) (5,117)
(115,040) (28,760) (90,212) (22,553)
150,180 37,545 151,888 37,972
2024 2023
6 30 12 31
40,078 40,379
(2,533) (2,407)
2024
6 30
6 2023
37,972 37,726
1,477 889
(1,904) (643)
37,545 37,972
113
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
24
2024 2023
6 30 12 31
86,597 38,582
(1) (2,172) (2,752)
17,410 15,734
8,228 9,410
(2) 6,649 6,653
(3) 5,492 5,525
(4) 2,599 2,715
(5) 2,396 2,003
1,887 1,913
1,180 1,161
1,035 1,191
854 945
(6) 410 415
31 31
13,427 8,573
146,023 92,099
(1)
2024 2024
1 1 6 30
(2,752) (2,809) 2,717 708 – (44) 8 (2,172)
2023 2023
1 1 12 31
(3,003) (5,250) 4,183 659 (3) (94) 756 (2,752)
(2)
2024 2023
6 30 12 31
13,777 14,330
1,260 2,496
(1,026) (3,049)
14,011 13,777
(7,124) (7,399)
(1,119) (2,369)
881 2,644
(7,362) (7,124)
6,649 6,653
6,583 6,501
2024 6 30 66 2023
12 31 89
114
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
24
(3)
2024 2024
1 1 6 30
5,525 (6) (33) 6 5,492
2023 2023
1 1 12 31
6,387 (701) (176) 15 5,525
2024 6 30
2024
6 30
– – 675 675
– – 4,817 4,817
(4)
2024 1 1 6,412
193
(4)
2024 6 30 6,601
2024 1 1 (3,697)
(308)
3
2024 6 30 (4,002)
2,599
115
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
24
(4)
2023 1 1 5,116
1,303
(7)
2023 12 31 6,412
2023 1 1 (3,162)
(542)
7
2023 12 31 (3,697)
2,715
(5)
(6)
2024 6 30 6
200 – – – 200
122 – – – 122
BANCO BOCOM BBM S.A. 93 – – (5) 88
415 – – (5) 410
2023
200 – – – 200
122 – – – 122
BANCO BOCOM BBM S.A. 85 – – 8 93
407 – – 8 415
116
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
25
2024 2023
6 30 12 31
437,828 523,905
5,893 6,205
263,422 287,427
6,739 6,139
774,998 831,249
5,889 5,069
3,378 3,297
246,837 255,733
170,278 201,452
1,200 1,500
8,820 11,479
2,534 2,807
328,906 285,176
487 2,437
662 662
2,257,871 2,424,537
26
2024 2023
6 30 12 31
41,720 41,187
3,904 2,697
764 692
262 103
(1)
12,901 11,878
59,551 56,557
(1) 2024 6 30 2023 12 31
2024 6 30 2023
117
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
27
2024 2023
6 30 12 31
1,913,371 2,050,524
2,994,213 2,991,467
960,959 884,746
2,627,311 2,473,410
2,196 3,240
8,498,050 8,403,387
152,066 147,828
8,650,116 8,551,215
2024 6 30 328,126 2023 12 31
344,014
28
29
2024 2023
6 30 12 31
(1) 314,248 327,009
(2) 253,115 227,067
(3) 4,800 4,800
8,505 7,735
580,668 566,611
(1) 18,378 25,564
599,046 592,175
118
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
29
(1)
%
21 3.40 40,000 2021/04/06 3 – 40,000
22 01 2.75 30,000 2022/06/15 3 29,999 29,999
22 02 2.98 30,000 2022/12/09 3 29,999 29,999
22 2.42 20,000 2022/08/05 3 19,999 19,999
22 02 2.96 10,000 2022/12/09 3 10,000 10,000
23 01 2.80 30,000 2023/03/27 3 29,999 29,999
23 01 2.77 30,000 2023/04/25 3 29,999 29,999
23 01 2.59 38,000 2023/07/18 3 37,999 37,999
23 02 2.70 30,000 2023/09/22 3 29,999 29,999
24 01 2.14 5,000 2024/05/23 3 4,999 –
24 01 2.20 25,000 2024/05/23 3 24,999 –
23 04 SOFR+0.65 60 2023/06/29 3 427 424
23 05 SOFR+0.65 20 2023/06/29 3 142 141
23 06 SOFR+0.65 50 2023/06/29 3 356 353
23 07 SOFR+0.65 40 2023/06/29 3 285 283
23 08 SOFR+0.65 15 2023/06/29 3 107 106
23 12 SOFR+0.60 475 2023/08/30 3 3,385 3,362
20 06 3M Libor + 0.90 400 2020/07/20 5 2,851 2,831
20 07 1.20 800 2020/09/10 5 5,696 5,654
BOCOM Float 11/13/24 SOFR+0.323 490 2023/11/15 364 3,514 3,488
P14JHTP1D 4.00 200 2014/12/04 10 196 196
264,950 274,831
119
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
29
(1)
%
21 01 3.62 4,000 2021/03/01 3 – 4,000
21 02 3.45 3,000 2021/04/22 3 – 2,629
22 2.90 2,400 2022/12/15 3 1,684 1,680
23 01 2.80 3,000 2023/11/09 3 2,995 2,995
23 01 2.88 3,000 2023/12/08 3 2,992 2,992
24 01 2.10 1,500 2024/06/18 3 1,470 –
24 01 2.59 3,000 2024/02/01 3 2,994 –
24 02 2.24 2,000 2024/05/16 3 1,995 –
19 02 4.375 700 2019/01/22 5 – 3,587
19 04 3M Synthetic Libor 400 2019/09/05 5 1,261 1,251
+ 1.175
19 05 2.625 200 2019/09/05 5 811 804
19 07 3M Synthetic Libor 600 2019/12/10 5 1,765 1,753
+ 1.075
20 01 3M Synthetic Libor 500 2020/03/02 5 1,906 1,895
+ 0.95
20 04 3M Synthetic Libor 450 2020/07/14 5 1,498 1,492
+ 1.70
21 01 1.125 500 2021/06/18 3 – 2,082
21 02 1.07 775 2021/09/27 3 707 702
23 01 3.50 1,000 2023/03/07 2 999 999
23 01 4.85 775 2023/03/08 1 – 702
23 02 4.85 385 2023/03/10 1 – 349
23 03 5.50 450 2023/03/10 1 – 3,184
23 05 5.55 55 2023/03/15 1 – –
23 06 5.50 50 2023/03/15 1 – 19
23 07 5.00 37 2023/03/28 10 – 261
23 08 5.50 115 2023/06/21 11 – 812
23 09 5.50 30 2023/07/18 10 – 212
23 01 3.00 760 2023/07/26 3 758 758
23 02 3.50 400 2023/10/18 1 400 400
23 03 3.30 700 2023/10/20 3 698 698
23 04 3.50 400 2023/11/20 3 399 399
23 05 3.35 300 2023/12/01 3 300 300
23 10 SOFR+1.00 240 2023/12/20 3 709 706
24 01 3.00 360 2024/03/14 3 360 –
24 01 SOFR+0.75 368 2024/05/29 3 336 –
24 01 SOFR+0.92 150 2024/02/26 3 371 –
24 02 SOFR+0.92 135 2024/03/04 3 962 –
24 03 5.20 30 2024/05/17 3 214 –
24 04 SOFR+0.75 100 2024/05/28 3 713 –
24 05 5.00 300 2024/06/26 3 1,773 –
24 06 SOFR+0.68 650 2024/06/26 3 3,700 –
10 4.00 250 2018/01/25 10 1,772 1,760
AzureNova 4.25 250 2017/03/21 10 1,778 1,767
20 02 2.80 7,000 2020/03/11 5 6,998 6,997
21 01 1.75 500 2021/06/22 5 3,279 3,257
19 110% SELIC 200 2019/01/30 6 57 57
22 01 CDI + 2.60 270 2022/02/07 10 370 390
22 02 CDI + 2.40 200 2022/11/29 10 274 289
49,298 52,178
314,248 327,009
120
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
29
(1)
%
23 09 4.50 50 2023/06/26 5 353 355
23 10 4.50 40 2023/06/26 5 282 284
23 11 4.50 50 2023/06/26 5 353 355
23 13 SOFR+0.60 25 2023/08/30 3 179 179
19 2.85 3,500 2019/03/21 5 – 3,231
21 02 3.15 1,000 2021/12/13 3 984 1,001
22 01 1.80 1,200 2022/03/21 2 – 1,086
22 02 3.20 2,800 2022/03/21 2 – 2,818
22 03 2.375 400 2022/03/21 3 2,810 2,766
22 04 3.05 1,420 2022/11/30 2 1,397 1,421
22 05 4.75 200 2022/11/30 3 1,420 1,417
23 01 4.50 2,700 2023/02/28 2 2,502 2,491
23 02 2.97 3,800 2023/02/28 2 3,767 3,826
23 03 4.875 600 2023/02/28 3 4,331 4,334
18,378 25,564
(2)
%
19 01 4.10 30,000 2019/08/14 10 (a) 29,998 29,998
19 02 4.49 10,000 2019/08/14 15 (b) 9,999 9,999
20 3.24 40,000 2020/05/19 10 (c) 39,997 39,997
21 3.65 30,000 2021/09/23 10 (d) 29,999 29,999
22 01 3.45 30,000 2022/02/23 10 (e) 29,999 29,999
22 02A 3.03 37,000 2022/11/11 10 (f) 36,999 36,999
22 02B 3.36 13,000 2022/11/11 15 (g) 12,999 12,999
23 01A 3.30 15,000 2023/11/15 10 (h) 14,999 14,999
23 01B 3.40 15,000 2023/11/15 15 (i) 15,000 15,000
24 01A 2.45 15,000 2024/04/26 10 (j) 15,000 –
24 01B 2.60 11,000 2024/04/26 15 (k) 11,000 –
245,989 219,989
21 2.304 1,000 2021/07/08 10 (l) 7,126 7,078
7,126 7,078
253,115 227,067
121
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
29
(2)
(a)
2024 8 16
(b)
2029 8 16
(c)
2025 5 21
(d)
2026 9 27
(e)
2027 2 25
(f)
2027 11 15
(g)
2032 11 15
(h)
2028 11 17
(i)
2033 11 17
(j)
2029 4 29
(k)
2034 4 29
(l) 2026 7 8 2026 7 8
5 140
122
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
29
(3)
%
21 01 4.30 3,000 2021/03/25 10 (a) 3,000 3,000
21 02 3.93 1,800 2021/07/27 10 (a) 1,800 1,800
4,800 4,800
(a) 100%
5
(4) 2024 6 30
30
2024 2023
6 30 12 31
124,249 111,207
54,850 56,930
30,093 254
(1) 10,138 8,826
9,552 17,979
6,583 6,501
6,120 5,904
5,766 5,283
1,664 1,796
(2) 553 503
47,686 35,974
297,254 251,157
123
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
30
(1)
2024 6 30 6
1 2 3
12
2024 1 1 8,275 551 – 8,826
1 87 (87) – –
2 (91) 91 – –
3 – – – –
1,467 (95) 1 1,373
(1) (60) – (61)
2024 6 30 9737 400 1 10,138
2023
1 2 3
12
2023 1 1 10,226 1,065 – 11,291
1 547 (547) – –
2 (211) 211 – –
3 – – – –
(2,213) (56) – (2,269)
(74) (122) – (196)
2023 12 31 8,275 551 – 8,826
124
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
30
(2)
2024 2024
1 1 6 30
503 51 (1) 553
2023 2023
1 1 12 31
520 (14) (3) 503
31
1
2024 1 1 74,263 74,263 111,428
2024 6 30 74,263 74,263 111,428
1
2023 1 1 74,263 74,263 111,429
2023 12 31 74,263 74,263 111,428
2024 6 30 2023 12 31 A 39,251 H 35,012
1
2024 6 30 2023 12 31
2024 2024
1 1 6 30
110,770 – – 110,770
658 – – 658
111,428 – – 111,428
2023 2023
1 1 12 31
110,770 – – 110,770
659 – (1) 658
111,429 – (1) 111,428
125
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
32
(1)
(a)
%
2016 9 2 4.07 100 450,000,000 45,000 45,000
(48)
44,952
(b)
2024 2024
1 1 6 30
450,000,000 – – 450,000,000
44,952 – – 44,952
(c)
(i)
3.90%
5 20 5
0.01% 1.37%
2021 9 7 4.07%
126
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
32
(1)
(c)
(ii)
(iii)
A 6.25
(iv)
127
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
32
(1)
(c)
(v)
2021 9
7
(2)
(a)
%
19 (c)(i) 2019 9 18 4.20 100 400,000,000 40,000 40,000
20 (c)(ii) 2020 9 23 4.59 100 300,000,000 30,000 30,000
21 (c)(ii) 2021 6 8 4.06 100 415,000,000 41,500 41,500
(c)(iii) 2020 11 11 3.80 2,800 18,366
200,000
129,866
(28)
129,838
(b)
2024 1 1 2024 6 30
19 (c)(i) 400,000,000 40,000 – – 400,000,000 40,000
20 (c)(ii) 300,000,000 30,000 – – 300,000,000 30,000
21 (c)(ii) 415,000,000 41,500 – – 415,000,000 41,500
(c)(iii) 18,366 – – 18,366
129,866 – 129,866
128
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
32
(2)
(c)
(i) 2019 9 18 400
2019 9 20 100
4.20% 5
5 5
5.125%
5.125%
129
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
32
(2)
(c)
(ii) 2020 9 23 300
2020 9 25 100
4.59% 5
2021 6 8 415
2021 6 10 100
4.06% 5
5 5
(iii) 2020 11 11 28
2020 11 18 200,000 1,000
100% 3.80% 5
5 5
130
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
32
(3)
2024 2023
6 30 12 31
1,107,374 1,088,030
932,584 913,240
44,952 44,952
129,838 129,838
11,917 11,420
8,384 7,912
35 3,533 3,508
2024 6 30 34
33
10%
50%
2024 2024
1 1 6 30
97,227 8,162 – 105,389
140,399 – – 140,399
237,626 8,162 – 245,788
2012 7 1 [2012]20
1.5%
2024 2024
1 1 6 30
159,053 13,367 – 172,420
131
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
33
2024 1 1 326,744
45,287
(8,162)
–
(13,367)
(27,849)
(1,832)
(1,685)
38
2024 6 30 (1) 319,174
2022 12 31 292,734
127
2023 1 1 292,861
92,728
(9,073)
(217)
(14,512)
(27,700)
(1,832)
(5,641)
130
2023 12 31 (1) 326,744
(1)
2024 6 30
60.00 2023 12 31 60.00
(2)
132
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
34
6 30 6
2024 2023
27,849 27,700
1,832 1,832
1,685 1,685
(1)
(2) 10%
(3)
(4)
2024 6 26 2023 2023 12 31 742.63
A H 0.375 278.49
2024 4 26
1,831,500,000 4.07%
2024 6 10 2021 16.85
133
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
35
2024 6 30
3,533
2020 3 3
2020 3 3
500
2025 3 3
3.725%
2.525%
66
36
30
2024 2023
6 30 12 31
1,404 1,480
30 553 503
134
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
36
2024 2023
6 30 12 31
20,563 18,835
19,286 17,470
18,144 16,327
16,024 14,904
14,622 12,935
57,610 53,932
146,249 134,403
37
2024 2023
6 30 12 31
– 1 9,324 6,013
– 1 94,698 82,507
942,262 938,820
554,066 544,473
480,513 455,646
238,636 205,132
2,319,499 2,232,591
2024 2023
6 30 12 31
78,962 87,143
135
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
37
2024 6 30 59,391 2023 12 31
63,381
2024 6 30 2023 12 31
38
(1)
2024 2023
6 30 12 31
1,091,918 1,047,336
2,901 4,882
1,094,819 1,052,218
43
2024 6 30 35,588 2023 12 31
25,263
(2)
136
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
39
2024 6 30 6
10,179 (2,419) 7,760
11,247 (2,686) 8,561
(1,068) 267 (801)
(235) (19) (254)
(235) (19) (254)
– – –
448 (140) 308
489 (150) 339
(41) 10 (31)
(34) – (34)
1,653 (402) 1,251
(219) – (219)
(4,270) 1,076 (3,194)
7,522 (1,904) 5,618
2023 6 30 6
3,254 (521) 2,733
3,507 (584) 2,923
(253) 63 (190)
541 (93) 448
541 (93) 448
– – –
(239) 48 (191)
(1,423) 344 (1,079)
1,184 (296) 888
3,865 – 3,865
814 315 1,129
(148) – (148)
4 – 4
(1,919) 474 (1,445)
6,172 223 6,395
137
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
40
90
2024 2023
6 30 6 30
70,944 97,146
74,840 127,052
145,784 224,198
41
42
2024 6 30
2024 6
30 4,121
2023 6 30 4,088
2024 6 30 1,518,041 2023 12 31
1,302,346 569,787
595,156 2023 12 31 511,038
594,647
2024 6 30 2023 6
30
138
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
42
2024 6 30 2023 12 31
2024 6 30
199,435 – 333 199,768
13,543 36,666 – 50,209
188 155 – 343
213,166 36,821 333 250,320
2023 12 31
164,092 – 333 164,425
16,774 47,133 – 63,907
174 210 – 384
181,040 47,343 333 228,716
43
(1)
139
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
43
(1)
2024 6 30 2023 12 31
25
2024 2023 2024 2023
6 30 12 31 6 30 12 31
17,758 15,005 14,686 12,868
(2)
2024 6 30 7,250 2023 12 31
26,010
(3)
2024 6 30 86,153 2023 12 31
86,153
34,019 2023 12 31 34,019
2024 6 30
362 2023 12 31 405
2024 6 30
5,416 2023 12 31
5,529
140
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
43
(4)
2024 6 30
898 2023 6 30 748
480 2023 6 30 704
44
(1)
2024 6 30 177.32 2023 12 31 177.32
23.88% 2023 12 31 23.88%
2024 2023
6 30 12 31
1,219,719 1,280,553
6 30 6
2024 2023
17,828 16,320
(2)
2024 6 30 121.69 2023 12 31
121.49 16.39% 2023 12 31 16.36%
141
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
44
(2)
2024 2023
6 30 12 31
(97,868) (91,625)
6 30 6
2024 2023
(1,891) (1,896)
(3)
2024 6 30 141.36 2023 12 31 141.36
19.03% 2023 12 31 19.03%
1866
2024 2023
6 30 12 31
6,972 6,385
3,727 4,375
757 2,399
2,309 2,877
1,863 5,453
5,150 7,464
(37,586) (29,552)
(2,161) (1,843)
(31,326) (37,211)
281,143 270,596
243 242
6 30 6
2024 2023
313 321
(902) (1,114)
33 42
(13) (7)
142
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
44
(4)
(5)
20
2024 2023
6 30 12 31
127,236 140,345
187 209
1,210 1,249
243 241
1,487 1,881
9,647 11,124
1,089 792
(10,998) (18,642)
(7,320) (7,470)
(6,506) (5,973)
(271) (374)
6 30 6
2024 2023
3,147 3,800
(265) (249)
724 1,027
(17) (23)
307 353
(65) (59)
143
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
44
(6)
2024 2023
6 30 12 31
(10) (10)
6 30 6
2024 2023
8 7
2 1
(7)
21
2024 2023
6 30 12 31
1,191 1,005
1,302 1,048
10,561 9,759
(526) (809)
(70) (17)
(385) (1,161)
6,917 4,690
26,378 21,806
144
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
44
(7)
6 30 6
2024 2023
211 199
(27) (5)
(8)
2024 2023
6 30 12 31
526 983
(751) (303)
(101,291) (86,199)
380 200
6 30 6
2024 2023
12 8
(1,619) (1,021)
(9)
2024 6 30
2023 6 30
145
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
44
(10)
2024 6 30 2023 12 31
% %
8,163 0.96 7,390 0.86
5,029 6.33 5,423 8.05
11,844 0.15 13,141 0.17
41,538 6.77 68,815 10.71
1,068,776 42.94 1,096,138 42.59
118,727 12.90 131,394 14.80
(38,863) 2.14 (30,664) 1.62
(2,231) 3.69 (1,860) 3.65
(199,554) 2.31 (178,995) 2.09
(31,326) 2.78 (37,211) 3.62
288,060 2.98 275,286 3.48
27,001 1.16 22,248 1.00
6 30 6
2024 2023
% %
18,364 7.93 16,848 7.27
(4,439) 3.09 (4,036) 2.76
33 0.14 42 0.16
(13) 0.67 (7) 0.33
45
146
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
45
147
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
45
2024 6 30 6
10,223 6,008 434 10,195 9,296 (611) 7,245 41,444 84,234
14,461 3,378 12,639 4,730 398 3,791 487 (39,884) –
24,684 9,386 13,073 14,925 9,694 3,180 7,732 1,560 84,234
6,903 2,773 3,552 3,947 2,172 921 1,191 1,474 22,933
(605) (13) (39) (40) (9) (7) (88) (1,132) (1,933)
6,298 2,760 3,513 3,907 2,163 914 1,103 342 21,000
3,155 106 216 347 100 18 1,189 6,958 12,089
644 – – – – 15 (108) 383 934
(10) – – – – – 56 261 307
12,089 158 353 195 247 76 277 591 13,986
46,860 12,410 17,155 19,374 12,204 4,203 10,249 10,095 132,550
(7,805) (5,304) (3,284) (3,248) (2,074) (1,075) (611) (9,620) (33,021)
(440) – – – – (25) (2) – (467)
(17,704) (3,704) (4,697) (4,938) (3,526) (1,759) (2,754) (12,302) (51,384)
20,911 3,402 9,174 11,188 6,604 1,344 6,882 (11,827) 47,678
(1,853)
45,825
(835) (475) (574) (590) (470) (243) (295) (1,409) (4,891)
(18,674) (31) (56) (146) (106) (50) (60) (48) (19,171)
2023 6 30 6
11,909 5,185 (1,251) 11,024 8,414 (711) 6,037 41,780 82,387
13,585 4,912 13,335 4,669 1,152 3,572 462 (41,687) –
25,494 10,097 12,084 15,693 9,566 2,861 6,499 93 82,387
7,740 3,259 4,182 4,656 2,783 1,154 1,169 1,748 26,691
(804) (18) (36) (56) (10) (7) (99) (1,081) (2,111)
6,936 3,241 4,146 4,600 2,773 1,147 1,070 667 24,580
5,463 227 150 232 25 39 1,420 10,081 17,637
261 – – – – 10 (114) (189) (32)
(7) – – – – – 19 149 161
11,137 168 309 212 162 64 325 197 12,574
49,284 13,733 16,689 20,737 12,526 4,121 9,219 10,998 137,307
(6,672) (5,519) (3,361) (4,474) (3,915) (1,314) (2,356) (8,735) (36,346)
(596) – 1 1 (1) 1 – – (594)
(15,984) (3,773) (4,646) (4,924) (3,403) (1,738) (2,806) (13,419) (50,693)
26,032 4,441 8,683 11,340 5,207 1,070 4,057 (11,156) 49,674
(3,108)
46,566
(902) (470) (592) (588) (472) (249) (276) (1,183) (4,732)
(25,586) (55) (72) (228) (101) (80) (145) (545) (26,812)
148
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
45
2024 6 30
3,663,027 1,228,672 2,063,448 1,547,945 1,031,314 498,321 1,218,186 5,130,087 (2,243,164) 14,137,836
1,441 – – 26 – – 1,161 6,726 – 9,354
40,078
14,177,914
(3,553,838) (1,224,001) (2,053,886) (1,519,660) (1,027,055) (499,858) (1,107,077) (4,313,879) 2,243,164 (13,056,090)
(2,533)
(13,058,623)
2023 12 31
3,581,356 1,280,694 2,097,935 1,498,173 1,025,178 471,772 1,204,469 5,486,713 (2,626,197) 14,020,093
1,427 – – 1 – – 1,038 6,524 – 8,990
40,379
14,060,472
(3,451,137) (1,269,395) (2,074,193) (1,479,208) (1,013,057) (470,188) (1,101,049) (4,726,585) 2,626,197 (12,958,615)
(2,407)
(12,961,022)
149
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
45
2024 6 30 6
43,355 13,152 27,748 (21) 84,234
551 23,238 (23,789) – –
43,906 36,390 3,959 (21) 84,234
5,866 12,532 2,508 94 21,000
2,475 495 9,000 119 12,089
79 253 600 2 934
95 (10) – 222 307
10,992 2,494 377 123 13,986
63,413 52,154 16,444 539 132,550
(19,091) (13,745) (184) (1) (33,021)
(467) – – – (467)
(1,832) (2,683) (311) (65) (4,891)
(22,368) (21,464) (2,429) (232) (46,493)
19,655 14,262 13,520 241 47,678
(1,853)
45,825
(1,832) (2,683) (311) (65) (4,891)
(18,780) (335) (36) (20) (19,171)
150
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
45
2023 6 30 6
38,193 17,339 26,870 (15) 82,387
5,974 20,244 (26,218) – –
44,167 37,583 652 (15) 82,387
6,406 15,738 2,347 89 24,580
4,866 1,124 11,943 (296) 17,637
48 177 (257) – (32)
26 (7) – 142 161
10,137 1,896 344 197 12,574
65,650 56,511 15,029 117 137,307
(22,107) (13,255) (984) – (36,346)
(600) 6 – – (594)
(1,854) (2,545) (272) (61) (4,732)
(20,951) (22,403) (2,378) (229) (45,961)
20,138 18,314 11,395 (173) 49,674
(3,108)
46,566
(1,854) (2,545) (272) (61) (4,732)
(26,191) (432) (75) (114) (26,812)
2024 6 30
6,039,921 2,715,494 5,289,818 92,603 14,137,836
2,647 1,443 – 5,264 9,354
40,078
14,177,914
(5,394,025) (3,845,538) (3,741,246) (72,020) (13,052,829)
(5,794)
(13,058,623)
151
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
45
2023 12 31
5,820,739 2,623,109 5,534,582 41,663 14,020,093
2,457 1,429 – 5,104 8,990
40,379
14,060,472
(5,474,229) (3,620,670) (3,802,004) (57,174) (12,954,077)
(6,945)
(12,961,022)
46
2024 7 300 2024 5+5
200 2.18% 10+5 100 2.37%
2024 8 400 2024
2.30%
2024 7 10
2024 8 28 2024 6 30 74,263
A H 0.182
13,516
47
152
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
1
2024 6 30
931,756 238,753 265,062 1,435,571
(840,621) (273,325) (150,725) (1,264,671)
2,354,555 269,825 455,758 3,080,138
(2,560,944) (161,363) (577,121) (3,299,428)
(17,965) (257) (1,990) (20,212)
(133,219) 73,633 (9,016) (68,602)
183,303 29,585 7,769 220,657
2023 12 31
982,254 244,035 261,197 1,487,486
(849,432) (285,305) (142,071) (1,276,808)
1,718,050 226,260 339,376 2,283,686
(1,966,153) (114,065) (453,434) (2,533,652)
(1,674) 117 843 (714)
(116,955) 71,042 5,911 (40,002)
170,087 29,624 7,771 207,482
2
10%
153
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
2
2024 6 30
660,342 129,874 699,340 – 1,489,556
199,237 82,328 347,243 – 628,808
26,822 14,864 34,096 – 75,782
1,146 1,693 297 – 3,136
12,554 642 32,847 – 46,043
700,864 147,073 766,580 – 1,614,517
2023 12 31
683,105 110,199 744,482 – 1,537,786
184,678 71,713 349,970 – 606,361
26,415 14,771 34,063 – 75,249
1,497 1,495 324 – 3,316
18,162 645 37,467 – 56,274
729,179 127,110 816,336 – 1,672,625
3
(1)
2024 2023
6 30 12 31
44,288 41,727
10,327 14,838
28,080 20,089
36,826 33,467
119,521 110,121
(%)
0.54 0.52
0.12 0.19
0.34 0.25
0.45 0.42
1.45 1.38
(2)
2024 2023
6 30 12 31
60,749 40,836
6,120 6,306
0.07 0.08
154
交通銀行股份有限公司
二零二四年中期報告
2024 6 30
4
(1)
2024 6 30 2023 12 31
21,841 (12,646) 20,563 (11,492)
13,945 (7,563) 16,472 (10,418)
13,922 (7,218) 13,311 (7,048)
13,841 (8,462) 12,214 (7,065)
11,542 (10,355) 9,392 (8,118)
10,808 (7,884) 11,221 (8,406)
8,781 (5,239) 9,443 (5,473)
94,680 (59,367) 92,616 (58,020)
14,274 (10,269) 13,053 (9,805)
108,954 (69,636) 105,669 (67,825)
(2)
2024 6 30 2023 12 31
31,532 (24,311) 28,064 (20,774)
16,757 (8,999) 14,191 (7,624)
16,395 (7,507) 14,155 (6,568)
13,437 (7,976) 11,803 (6,546)
12,292 (4,933) 8,184 (3,652)
7,697 (4,634) 13,302 (8,181)
6,823 (4,773) 7,697 (5,667)
104,933 (63,133) 97,396 (59,012)
14,588 (10,182) 12,725 (9,366)
119,521 (73,315) 110,121 (68,378)
155
交通銀行股份有限公司 財務報表及其他
二零二四年中期報告
2024 6 30
5
(1)
2024 6 30 2023 12 31
% %
74,019 34.67 25,420 75,477 33.58 23,943
20,285 9.50 3,051 21,120 9.40 3,519
10,229 4.79 3,962 10,562 4.70 3,855
9,959 4.66 3,617 11,372 5.06 3,615
9,413 4.41 2,115 12,411 5.52 2,966
6,554 3.07 1,632 6,619 2.94 1,562
5,246 2.46 1,458 7,000 3.11 1,150
4,670 2.19 51 6,592 2.93 42
2,168 1.02 2,168 2,153 0.96 2,153
– – – 149 0.07 149
14,287 6.69 1,502 14,902 6.63 1,262
156,830 73.46 44,976 168,357 74.90 44,216
43,071 20.18 42,999 41,652 18.53 41,580
9,659 4.52 9,214 10,708 4.77 10,087
322 0.15 322 301 0.13 300
113 0.05 – 121 0.05 –
3,497 1.64 3,472 3,649 1.62 3,628
56,662 26.54 56,007 56,431 25.10 55,595
213,492 100.00 100,983 224,788 100.00 99,811
8,054,242 7,732,297
2017 (GB/T 4754-2017)
2024 6 30 47% 2023 12 31 48%
(2)
2024 6 30 2023 12 31
83,797 (51,640) 85,546 (53,567)
25,157 (17,996) 20,123 (14,258)
108,954 (69,636) 105,669 (67,825)
2024 6 30 6 2023 6 30 6
18,093 (7,141) 1,053 20,533 (4,658) 1,598
13,149 (9,242) 1,348 12,880 (7,201) 1,206
31,242 (16,383) 2,401 33,413 (11,859) 2,804
156
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