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4 2 交通银行股份有限公司释义

5 公司资料 Bank of Communications Co., Ltd A A H A H XD A H BOCOM 15USDPREF 4605 二零一九年半年度报告 A 股 3

6 财务摘要 [2018] (%) , , ,707 48,959 47, ,355 42,749 40, , ,600 40, ,828 2,945 76,207 (96.14) 45, (%) ,886,608 9,531, ,038, ,130,612 4,854, ,579,256 3,476,395 3,218, ,169,374 1,654,217 1,635, ,409,882 75,508 72, ,506 9,162,860 8,825, ,361, ,054,728 5,724, ,545,366 1,822,126 1,748, ,852,676 2,287,312 2,195, ,003, , , ,559 1,227,345 1,089, ,030, ,148 1,101,324 (14.18) 1,030, , , , , , ,143 74,263 74,263 74, , , , , , , ,079 60, , , ,717 (3.44) 120, ,011,424 5,690, ,646,313 4 交通银行股份有限公司

7 财务摘要 ( 续 ) (%) (0.21) (0.19) (0.19) (0.02) (0.04) (0.53) (0.35) (0.30) (2008) (89) (76) (14) (5) 二零一九年半年度报告 A 股 5

8 业务概要 (%) 19,676 30,730 (35.97) 40, ,643 (66.15) , % % % 6 交通银行股份有限公司

9 经营情况讨论与分析 (FORTUNE) (The Banker) % 1, % % % %29.05% , , % 2, % % 30.99% 13.22% 7.54% 26.20% ETC FINTECH 1.47% % 5+N 1 二零一九年半年度报告 A 股 7

10 经营情况讨论与分析 ( 续 ) , % 34, % % % % , % 18.97% % ,500 1, % 4. e (The Asset) 8 交通银行股份有限公司

11 经营情况讨论与分析 ( 续 ) 5. 9, %231 1, % CDR 91, % % % % % 4 FTU 2, %1, % FTU % 二零一九年半年度报告 A 股 9

12 经营情况讨论与分析 ( 续 ) ++IPO LNG , % 16, %0.80% % 10 交通银行股份有限公司

13 经营情况讨论与分析 ( 续 ) 1. 10, % PLUS (AUM)32, % 2.09% 9.29% 12.48% % 3. 3 APP 7,147 14, , % 14, , % A 二零一九年半年度报告 A 股 11

14 经营情况讨论与分析 ( 续 ) , % 3.58% , % 1, , , , %3.58% 2 12 交通银行股份有限公司

15 经营情况讨论与分析 ( 续 ) % 8, % , % % % , PLUS e APP ETC %7, % % % e % % 二零一九年半年度报告 A 股 13

16 经营情况讨论与分析 ( 续 ) 2. 3, % % , , % 10,16611, N % IT FINTECH + 14 交通银行股份有限公司

17 经营情况讨论与分析 ( 续 ) % % 11, % % % , 二零一九年半年度报告 A 股 15

18 经营情况讨论与分析 ( 续 ) ,967 11, % 6, % 1, % % 4, % % 1, % , % 8, % % ABS A 16 交通银行股份有限公司

19 经营情况讨论与分析 ( 续 ) 30 10% 4, % 88 91%80% 1395% 28.44% 二零一九年半年度报告 A 股 17

20 经营情况讨论与分析 ( 续 ) % ,062 60,658 48,118 41,207 23,122 21, , ,865 (1,277) (1,256) (32,705) (28,573) (21,544) (16,663) (6) (3) (7,878) (3,723) (5,616) (4,197) 49,154 47,450 (195) 20 48,959 47,470 (5,811) (6,476) 43,148 40, 交通银行股份有限公司

21 经营情况讨论与分析 ( 续 ) % (%) (%) 828,368 5, ,141 6, ,954 12, ,837 12, ,872, , ,602, , ,070,718 71, ,998,226 66, ,595,479 44, ,460,221 39, ,059 3, ,602 3, ,459,873 43, ,333,251 41, ,969, , ,705, , , ,648 9,782,137 9,357,926 5,927,890 70, ,681,819 63, ,031,516 46, ,902,427 42, ,896,374 23, ,779,392 21, ,967,523 28, ,124,818 35, ,836 12, ,702 10, ,626, , ,360, , ,155, ,587 9,782,137 9,357,926 70,062 60, 二零一九年半年度报告 A 股 19

22 经营情况讨论与分析 ( 续 ) 15.50% 1.48% 1.58% (795) (32) (827) (354) (95) (449) 6,445 3,734 10,179 2, ,413 7,531 3,785 11,316 2,758 3,669 6,427 (2,621) (4,008) (6,629) 3,478 (1,364) 2,114 3,615 (1,703) 1,912 3,916 5,488 9, (1) 1, % A. 1, % 5.87% 15 B % 5.43% 20 交通银行股份有限公司

23 经营情况讨论与分析 ( 续 ) C % 11.70% D % 2.75% (2) 1, % A % 62.65% 4.33% 12 B % % C % 31.99% % 二零一九年半年度报告 A 股 21

24 经营情况讨论与分析 ( 续 ) ,213 9,301 7,372 6,511 2,632 2,470 2,274 1,736 1,437 1,400 1,024 1, ,070 22,746 (1,948) (1,564) 23,122 21, % % % % % 22 交通银行股份有限公司

25 经营情况讨论与分析 ( 续 ) % 29.05% % ,570 12,967 15,101 12,810 4,034 2,796 32,705 28, % 0.82% % 11.87% 25% 1. 98, , % (%) (%) 5,013, ,742, ,989, ,821, , , , , , , ,886, ,531, 二零一九年半年度报告 A 股 23

26 经营情况讨论与分析 ( 续 ) (1) 51, , % 2, % (%) (%) 117, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,476, ,218, ,654, ,635, ,130, ,854, , , % 55.37% 24 交通银行股份有限公司

27 经营情况讨论与分析 ( 续 ) 16, % % 4.48% 20.06% (%) A 37, B 35, C 28, D 12, E 10, F 10, G 9, H 8, I 6, J 6, , % 3.44% 12.31% 36.78% 15.88% 8.33% 1.47% % ,508 72, ,267 63,321 (%) 二零一九年半年度报告 A 股 25

28 经营情况讨论与分析 ( 续 ) (2) 29, , % ,467,846 2,369, , ,388 2,989,602 2,821, (%) (%) 449, , ,978, ,000, , , ,989, ,821, , % 26 交通银行股份有限公司

29 经营情况讨论与分析 ( 续 ) (%) (%) 1,654, ,511, , , , , , , ,467, ,369, , , , % 55.54% (%) , /01/ , /01/ , /09/ , /11/ , /09/ , /01/ , /01/ , /02/ , /01/ , /07/ , , % 3, % 66.08% , % 10.31% , , % 67.87% % % % 0.68 二零一九年半年度报告 A 股 27

30 经营情况讨论与分析 ( 续 ) ,109,438 3,944,098 1,822,126 1,748,857 2,287,312 2,195,241 1,941,732 1,776, , ,393 1,227,345 1,089,095 1, ,127 11,602 8,113 10,683 (547) 3,442 (1,535) 3,438 18,043 46,842 15,970 36,936 13,241 20,989 12,541 18,624 4,947 9,316 3,830 8,329 4,850 7,298 3,551 5,915 1,298 18,691 5,000 17, , ,180 47, , 交通银行股份有限公司

31 经营情况讨论与分析 ( 续 ) ,025, , , , , , , ,989 2,165,927 1,815,856 2,040,424 1,710,884 1,423,522 1,034,907 1,292, , , , , , , , , ,681 17, ,841 17, ,602 6,054,728 5,130,612 5,724,489 4,854, % ,290 51,718 25,517 48,679 15,137 44,455 11,127 35,548 8,610 9,817 9,005 10,493 1,922 12,190 1,821 7,145 48, ,180 47, , 二零一九年半年度报告 A 股 29

32 经营情况讨论与分析 ( 续 ) % 11.86% 10.86% 653, , , , , ,594 (%) (%) (%) ,494, , ,632 6,011, 交通银行股份有限公司

33 经营情况讨论与分析 ( 续 ) 5. (1) ,808,730 1,141,221 1,996,255 6,946,206 (2) ,768,231 23,203 41,249 83,591 3,893, ,865 4,686 14,551 二零一九年半年度报告 A 股 31

34 经营情况讨论与分析 ( 续 ) 7. (VaR) (VaR) (SVaR) % (VaR) (SVaR) 1,054 1,799 1,509 1,913 1,020 1,613 1,126 1, % , , , ,152 10,594,418 10,490,765 10,242,926 10,095,931 (%) 交通银行股份有限公司

35 经营情况讨论与分析 ( 续 ) ,000100% % , % % % % 1.35 二零一九年半年度报告 A 股 33

36 经营情况讨论与分析 ( 续 ) (%) (%) 70, , , (80.21) (21.13) 8, , , (%) (%) 1,589, ,554, , , ,667, ,403, ,811, ,732, , , ,130, ,854, (130) (128) 交通银行股份有限公司

37 经营情况讨论与分析 ( 续 ) (%) 9,325 9,415 (0.96) 93,482 89, ,540 48,517 (728) (26,432) (17,176) 1,318 (12) , , (70) 2,359,239 15,405 (18,459) 106, (2,034) 1,972,301 3,898 (3,393) 126, (2,104) 4,331,540 19,303 (21,852) 25, (201) 2,516,133 25,990 (25,439) 72,949 1,150 (353) 758,743 3,139 (2,112) 98,068 1,601 (554) 3,274,876 29,129 (27,551) 二零一九年半年度报告 A 股 35

38 经营情况讨论与分析 ( 续 ) ,433,920 1,456,218 59,017 58, , , , , , , , ,550 12,345 61,201 66, (1) (2) (3) (4) (5) (6) 交通银行股份有限公司

39 经营情况讨论与分析 ( 续 ) 1. e IT (CRMW) , , CDR 1. APP % Y-POWER 100 二零一九年半年度报告 A 股 37

40 经营情况讨论与分析 ( 续 ) 2. PLUS , % % 413.4% ETC 交通银行股份有限公司

41 经营情况讨论与分析 ( 续 ) 二零一九年半年度报告 A 股 39

42 经营情况讨论与分析 ( 续 ) % (%) (%) (%) 4,935, ,662, ,378, , , , ,055, ,781, ,510, , , , , , , , , , , , , ,130, ,854, ,579, (%) 交通银行股份有限公司

43 经营情况讨论与分析 ( 续 ) (VaR) (SVaR) 11099% 二零一九年半年度报告 A 股 41

44 经营情况讨论与分析 ( 续 ) IT 42 交通银行股份有限公司

45 经营情况讨论与分析 ( 续 ) % 30% 5% % 15% (AUM) 8, , % 37.50% 二零一九年半年度报告 A 股 43

46 经营情况讨论与分析 ( 续 ) % ,000 61% % % % 44 交通银行股份有限公司

47 经营情况讨论与分析 ( 续 ) 二零一九年半年度报告 A 股 45

48 交行 - 汇丰战略合作 % , (TCE) 交通银行股份有限公司

49 普通股变动及主要股东持股情况 74,262,726,645 A 39,250,864, % H 35,011,862, % (%) (%) 74,262,726, ,262,726, ,250,864, ,250,864, ,011,862, ,011,862, ,262,726, ,262,726, ,210 A 309,622H 34,588 1 (%) 15,148,693, A 4,553,999, H 2 5,201,230 14,965,489, H 3 13,886,417, H 4 (742,627,266) 1,134,886, A 1,405,555, H 2,222,588, A 1,246,591, A 5 808,145, A 794,557, A 5 745,305, A 5 742,627, ,627, A 二零一九年半年度报告 A 股 47

50 普通股变动及主要股东持股情况 ( 续 ) H 3. H 13,886,417,698(HSBC Holdings plc) H 14,135,636, % 249,218, H HXV 4. A 1,134,886,185H 1,405,555,555 H 7,651,231,777 7,027,777, ,454, A 742,627,2661% AH 10,934,300, % 5. 10% N (HSBC Holdings plc) , 交通银行股份有限公司

51 普通股变动及主要股东持股情况 ( 续 ) HSBC Asia Holdings Limited HSBC Holdings plc HSBC Holdings plc % % % % % 二零一九年半年度报告 A 股 49

52 普通股变动及主要股东持股情况 ( 续 ) X V 336 A 1 A (%) (%) 15,148,693, ,134,886, H 1 H (%) (%) 9,056,787, ,553,999, HSBC Holdings plc 14,135,636, H 4,553,999, % A 15,148,693, % 3. H 9,056,787, % A 1,877,513, % 4. HSBC Holdings plchsbc Asia Holdings Limited HSBC Asia Holdings Limited H 14,135,636,613HSBC Holdings plc14,135,636,613 H 336 XV 50 交通银行股份有限公司

53 优先股相关情况 421 (%) 1 100,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, (%) 1 DB Nominees (Hong Kong) Limited 122,500, DB Nominees (Hong Kong) LimitedEuroclear Clearstream 122,500,000100% 二零一九年半年度报告 A 股 51

54 优先股相关情况 ( 续 ) ,111, % 122,500,000 10%13,611, %1,755,000, 交通银行股份有限公司

55 董事 监事 高级管理人员和人力资源管理 二零一九年半年度报告 A 股 53

56 董事 监事 高级管理人员和人力资源管理 ( 续 ) 54 交通银行股份有限公司

57 董事 监事 高级管理人员和人力资源管理 ( 续 ) A H 100, ,000 A 80,000 80,000 H 20,000 20,000 A 80,000 80,000 H 50,000 50,000 A 20,000 20,000 H A 20,000 20,000 H A H 49,357 49,357 A 40,000 40,000 H 20,000 20,000 A 60,000 60,000 H 20,000 20,000 A 25,000 25,000 H A 50,000 50,000 H A 66,100 66,100 H 21,000 21,000 A 50,000 50,000 H 30,000 30,000 A H 50,000 50,000 A H 30,000 30,000 二零一九年半年度报告 A 股 55

58 董事 监事 高级管理人员和人力资源管理 ( 续 ) A 250, ,000 H 50,000 50,000 A 96,000 96,000 H 20,000 20,000 A 130, ,000 H 50,000 50,000 A 70,000 70,000 H A 71,300 71,300 H H 98 XV XV ,42583,959 2,466 3, 交通银行股份有限公司

59 董事 监事 高级管理人员和人力资源管理 ( 续 ) 186 2, (%) (%) (%) 1,163, , , , ,851, , , ,566, , , , ,063, , ,220, , (2,061,591) (20.85) 9,886, , , 二零一九年半年度报告 A 股 57

60 履行企业社会责任 % 232, , 交通银行股份有限公司

61 履行企业社会责任 ( 续 ) , % 90.57%87,61216, %3.68% % 58 1, % 2, , % % % 96.64% 二零一九年半年度报告 A 股 59

62 履行企业社会责任 ( 续 ) + A B +FINTECH FINTECH 2, , 交通银行股份有限公司

63 重要事项 A A A A2019H A2019H A AH 2019 二零一九年半年度报告 A 股 61

64 重要事项 ( 续 ) 2017A 交通银行股份有限公司

65 重要事项 ( 续 ) , ,485,254,533 A2% 二零一九年半年度报告 A 股 63

66 重要事项 ( 续 ) A2019H A , , 交通银行股份有限公司

67 境内外分支机构 主要子公司名录 ( 二零一九年半年度报告 A 股 65

68 境内外分支机构 主要子公司名录 ( 续 ) ONE EXCHANGE PLAZA 55 BROADWAY, 31ST & 32ND FLOOR, NEW YORK NY , U.S.A. 575 MARKET STREET, 38th FLOOR, SAN FRANCISCO, CA 94105, U.S.A GROUP 4 50 Raffles Place #18-01 Singapore Land Tower 5 6th Floor Samsung Fire & Marine Bldg. #87, Euljiro 1-Ga, Jung-Gu, Seoul , Korea 6 Neue Mainzer Strasse 75, Frankfurt am Main, Germany 7 251A th floor, Vincom Center, 72 Le Thanh Ton, Dist.1, HCMC, VN 9 Level 27, 363 George Street Sydney NSW 2000 Australia Level 35, 71 Eagle Street, Brisbane, Australia Level 34, 525 Collins Street, Melbourne, Australia A 11 4th Floor, 1 Bartholomew Lane, London EC2N 2AX UK 12 7 Ruede la Chapelle, Luxembourg, L Suite 2460, 22 Adelaide Street West, Toronto, ON M5H 4E , Avenue des Champs-Elysees, 75008, Paris, France 15 3rd floor, Piazza Barberini 52, Rome Praca Pio X, andar Rio de Janeiro RJ, Brazil 17 7th floor, RUSTONKA R2, Rohanske nabrezi 693/10, Prague 8, , Czech Republic 交通银行股份有限公司

69 董事 高级管理人员对半年度报告确认意见 二零一九年半年度报告 A 股 67

70 备查文件 交通银行股份有限公司

71 审阅报告 (2019) 二零一九年半年度报告 A 股 69

72 合并资产负债表 , , , , , , ,676 30, , , ,013,630 4,742,372 : 7 449, , ,978,430 2,000, , , ,384 3, ,949 7, , , ,708 2, ,073 3, ,125 21, ,704 57,931 9,886,608 9,531, , , ,148 1,101, , , ,465 23, ,956 28, , , ,135,448 5,793, , , ,054 9, ,982 6, ,245 6, , , , ,827 9,162,860 8,825, 交通银行股份有限公司

73 合并资产负债表 ( 续 ) ,263 74, ,876 59, , , ,751 2, , , , , , , , ,405 7,258 6, , ,308 9,886,608 9,531,171 隃 二零一九年半年度报告 A 股 71

74 银行资产负债表 , , , , , , ,015 29, , , ,813,593 4,556, , , ,960,312 1,982, , , ,093 49, ,148 3, ,354 50, ,704 2, ,981 3, ,708 20, ,637 37,506 9,457,606 9,147, , , ,103 1,121, , , ,465 23, ,066 28, , , ,986,006 5,644, , , ,112 8, ,652 5, ,219 6, , , ,430 59,096 8,768,568 8,472, ,263 74, ,876 59, , , ,697 2, , , , , , , , ,817 9,457,606 9,147, 交通银行股份有限公司

75 合并利润表 , , , , (111,800) (109,888) 35 70,062 60, ,070 22, (1,948) (1,564) 36 23,122 21, ,590 4, , ,112 8,311 4, ,424 7, (69,026) (54,415) 41 (1,277) (1,256) 42 (32,705) (28,573) 43 (21,544) (16,663) 44 (6) (3) (7,878) (3,723) 45 (5,616) (4,197) 49,154 47, (329) (148) 48,959 47, (5,811) (6,476) 43,148 40,994 42,749 40, , , (15) ,786 (901) 182 1,561 1,219 (61) (5) ,079 42,982 43,651 42, 二零一九年半年度报告 A 股 73

76 银行利润表 ,362 89, , , (108,875) (106,899) 35 66,796 59, ,913 20, (1,778) (1,413) 36 21,135 19, ,841 5, , ,209 2, (54,183) (45,865) 41 (1,197) (1,176) 42 (30,527) (26,946) 43 (21,338) (16,461) 44 (6) (1) 45 (1,115) (1,281) 44,179 44, (321) (144) 43,986 44, (4,696) (5,612) 39,290 38, , (15) ,296 (901) 182 1,121 1,139 (43) (50) 16 (5) 39,780 39, 交通银行股份有限公司

77 合并现金流量表 , , ,252 82,799 45,821 79,207 10, , ,413 51(1) 47,066 35, , ,047 76,552 1, , ,317 11,735 49,977 32,548 53,576 57,020 24, ,899 99,817 17,822 16,685 12,740 15,671 51(2) 17,234 58, , ,840 52(1) 2,945 76, , ,821 44,177 42,245 1, , , , ,983 19,454 12, , ,168 (79,088) (69,800) 1,125 1,125 27,182 21,056 27,182 22,181 10,408 4,895 2,958 2, ,366 7,389 13,816 14, (62,191) 22, , ,919 52(2) 181, ,049 二零一九年半年度报告 A 股 75

78 银行现金流量表 , , ,668 68,428 55,147 84,999 9, , ,646 51(1) 33,002 27, , ,239 76,547 1, , ,098 17,919 47,546 36,617 33,337 64,157 27, ,088 98,182 16,319 15,587 11,835 14,477 51(2) 15,877 48, , ,798 52(1) (2,926) 12, , ,623 41,566 41, , , , ,543 8,000 16, , ,448 (67,899) (14,283) 11,078 11,131 11,078 11,131 4,235 4,895 2,603 2,030 6,838 6,925 4,240 4, (66,469) 3, , ,796 52(2) 159, , 交通银行股份有限公司

79 合并股东权益变动表 ,263 59, ,663 2, , , ,161 6, ,308 (616) (7) (623) ,263 59, ,663 2, , , ,545 6, , ,850 14, , , ,079 42, , ,850 (27,929) (66) (25,016) 129 (129) 2,850 (2,850) (22,279) (66) (22,345) (2,671) (2,671) ,263 59, ,663 3, , , ,365 7, , ,263 59, ,663 (2,871) 197, , ,514 5, ,271 1,885 (28,257) (54) (26,426) ,263 59, ,663 (986) 197, ,470 96,257 5, ,845 1, ,158 7,656 1,334 20,216 1,942 40, ,982 40, ,994 1, ,988 1,125 1,125 1,125 1, ,158 (33,111) (59) (23,886) 126 (126) 9,158 (9,158) (21,209) (59) (21,268) (2,618) (2,618) (4) (1) (5) (4) (1) (5) ,263 59, , , , ,913 6, ,061 二零一九年半年度报告 A 股 77

80 银行股东权益变动表 ,263 59, ,427 2, , , , ,817 (609) (609) ,263 59, ,427 2, , , , , ,738 11,602 14, ,290 39,780 39,290 39, ,738 (27,688) (24,950) 2,738 (2,738) (22,279) (22,279) (2,671) (2,671) ,263 59, ,427 2, , , , , ,263 59, ,427 (2,169) 196, , , ,956 1,791 (28,012) (26,221) ,263 59, ,427 (378) 196, ,012 84, ,735 1,462 8,705 5,897 16,064 1,462 38,429 39,891 38,429 38,429 1,462 1,462 8,705 (32,532) (23,827) 8,705 (8,705) (21,209) (21,209) (2,618) (2,618) ,263 59, ,427 1, , ,717 90, , 交通银行股份有限公司

81 财务报表附注 (1986)81 (1987) B0005H XD AH 二零一九年半年度报告 A 股 79

82 ,931 6,423 64, ,827 7, , ,161 (616) 128,545 6,903 (7) 6, ,506 5,953 43,459 59,096 6,562 65, ,491 (609) 112, ,345 7,674 (630) , ,076 7,153 (592) , 交通银行股份有限公司

83 % 6% 16% 3% 1% 7% 2 25% [2012] [2016] 二零一九年半年度报告 A 股 81

84 ,759 14, , ,649 85, ,759 6,894 9, , , ,327 14, , ,078 84, ,514 6,893 9, , , % % 交通银行股份有限公司

85 , ,270 37,803 58, (208) (254) 150, , ,108 98,072 33,607 50, ,189 (177) (225) 136, , , ,008 77,027 47, , ,020 52,888 42,898 5,444 6,749 (1,409) (1,334) 595, ,778 二零一九年半年度报告 A 股 83

86 , ,599 89,438 70, , ,172 53,603 42,898 5,807 7,182 (1,581) (1,491) 666, , ,993 96, , , , (70) 2,359,239 15,405 (18,459) 2,379,581 15,602 (18,529) 106, (2,034) 1,972,301 3,898 (3,393) 2,078,944 4,074 (5,427) 126, (2,104) 4,331,540 19,303 (21,852) 4,458,525 19,676 (23,956) 25, (201) 2,516,133 25,990 (25,439) 2,541,252 26,441 (25,640) 72,949 1,150 (353) 758,743 3,139 (2,112) 831,692 4,289 (2,465) 98,068 1,601 (554) 3,274,876 29,129 (27,551) 3,372,944 30,730 (28,105) , (55) 2,384,886 15,593 (18,843) 2,401,006 15,790 (18,898) 81, (1,790) 1,974,965 3,055 (3,378) 2,056,128 3,225 (5,168) 97, (1,845) 4,359,851 18,648 (22,221) 4,457,134 19,015 (24,066) 20, (198) 2,608,666 26,006 (26,200) 2,629,275 26,245 (26,398) 66,624 1,105 (328) 749,805 2,097 (2,075) 816,429 3,202 (2,403) 87,233 1,344 (526) 3,358,471 28,103 (28,275) 3,445,704 29,447 (28,801) 84 交通银行股份有限公司

87 ,855,768 1,785,452 1,251,118 1,384, , , ,996 73,817 4,458,525 3,372, ,891,611 1,822,669 1,249,538 1,405, , , ,359 68,827 4,457,134 3,445,704 (1) (2,580) 884 2,598 (918) 18 (34) (2,420) 803 2,458 (823) 38 (20) 二零一九年半年度报告 A 股 85

88 (2) , ,871 19,430 2, (44) (166) 40, , , ,362 19,430 2, (44) (165) 29, , 交通银行股份有限公司

89 ,067,683 1,007, , , , ,909 1,654,217 1,635,627 2,986,670 2,822, , ,600 3,226,722 3,033,923 4,880,939 4,669,550 (129,936) (123,861) 4,751,003 4,545, , ,686 27,625 27, , , ,114 14,195 (2,160) (2,190) 5,013,630 4,742,372 二零一九年半年度报告 A 股 87

90 ,052, , , , , ,589 1,622,542 1,607,571 2,816,659 2,663, , ,760 3,054,484 2,873,420 4,677,026 4,480,991 (125,124) (119,297) 4,551,902 4,361, , ,686 27,625 27, , ,184 14,167 13,076 (2,149) (2,179) 4,813,593 4,556, 交通银行股份有限公司

91 ,589,444 1,554, , ,738 2,667,094 2,403,838 1,811,166 1,732, , ,020 5,130,612 4,854, ,528,135 1,496, , ,431 2,596,678 2,335,997 1,778,399 1,703, , ,587 4,926,699 4,665, ,571 12, ,443 7,560 9,089 11,257 3,982 31,888 9,084 9,307 13,100 4,660 36,151 7,761 8,174 11,304 4,009 31,248 1,323 1,133 1, ,903 28,215 31,011 25,032 9,224 93,482 二零一九年半年度报告 A 股 89

92 ,133 10, ,395 6,344 10,847 9,561 4,099 30,851 8,366 10,830 11,930 4,792 35,918 7,553 9,429 10,329 4,306 31, ,401 1, ,301 25,843 32,079 21,891 9,351 89, ,533 12, ,977 6,610 9,047 10,973 3,911 30,541 8,883 9,180 12,368 4,659 35,090 7,663 8,047 10,734 4,008 30,452 1,220 1,133 1, ,638 27,026 30,834 23,840 8,908 90, ,940 10, ,029 6,099 10,593 9,534 3,797 30,023 8,054 10,063 11,829 4,788 34,734 7,300 8,827 10,229 4,302 30, ,236 1, ,076 25,093 31,046 21,606 9,041 86, 交通银行股份有限公司

93 ,323 42,503 36, ,403 1, ,800 4,659 (11,568) (11,568) 368 (6,057) 5, (397) 13 (29) (5,660) 5,660 (585) 6,235 3,693 9, (644) (644) (16) 4 (12) ,993 43,637 36, , ,027 50,159 36, ,592 (2,123) 1,320 30,879 30,076 (527) (38,461) (38,988) 381 (8,488) 8, (741) 13 (360) (7,747) 7,747 1,062 1,062 (1,447) (1,447) ,323 42,503 36, ,403 二零一九年半年度报告 A 股 91

94 ,638 42,065 35,331 98,034 1, ,751 4,451 (11,564) (11,564) 372 (6,061) 5, (401) 13 (29) (5,660) 5,660 (585) 6,235 3,693 9, (631) (631) (17) 6 (11) ,262 43,085 35, , ,118 49,633 35, ,300 (2,081) 1,412 30,551 29,882 (527) (38,323) (38,850) 583 (8,488) 7, (741) 13 (158) (7,747) 7,747 1,056 1,056 (1,429) (1,429) (28) (6) (12) (46) ,638 42,065 35,331 98, 交通银行股份有限公司

95 ,710 2,302 11,446 21, (639) 1,496 1,361 (5,608) (5,608) 235 (1,021) (235) (786) 786 (1,312) 1,992 6,630 7, (84) (84) 40 (40) ,137 2,674 15,188 24, ,506 1,395 11,626 19, ,450 10,557 12,737 (11,180) (11,180) 460 (545) (272) (188) 23 (273) (171) (171) ,710 2,302 11,446 21,458 二零一九年半年度报告 A 股 93

96 ,677 2,248 11,338 21, (655) 1,453 1,301 (5,604) (5,604) 235 (1,021) (235) (786) 786 (1,312) 1,992 6,630 7, (84) (84) ,103 2,564 15,081 24, ,503 1,340 11,572 19, ,455 10,513 12,712 (11,156) (11,156) 457 (525) (272) (185) 23 (253) (171) (171) (40) (25) (14) (79) ,677 2,248 11,338 21, 交通银行股份有限公司

97 , ,679 (224) (361) (3) (588) (148) (141) (7) , , ,996 (138) (279) 100 (317) (286) (284) (2) 2 1, ,679 二零一九年半年度报告 A 股 95

98 ,109 90,320 23,219 32,914 9,284 5,505 1,977 2, , ,554 37,046 10,332 38,769 37,232 9,818 8,393 1,203 1, , , ,729 90,056 21,864 32,579 7,780 4,856 1,977 2, , ,922 16,268 1,195 38,769 37,232 9,818 8,393 1,125 1, , , 交通银行股份有限公司

99 ,480,827 1,420,130 27,903 27, , ,460 30,285 37, , ,246 27,580 29,100 (3,331) (3,369) 1,978,430 2,000, ,479,832 1,419,142 27,669 27, , ,555 29,568 37, , ,019 27,452 28,924 (3,158) (3,195) 1,960,312 1,982, , ,369 (176) 138 (38) (4) (4) , ,331 二零一九年半年度报告 A 股 97

100 , ,731 (336) (10) (16) (362) (26) (26) , , , ,195 (118) 81 (37) , , 交通银行股份有限公司

101 , ,553 (334) (10) (16) (360) (26) (26) , , , ,893 68,577 54, ,344 66,059 3,408 3,618 5,213 3, , ,630 2,145 2,414 6,366 4,974 8,511 7, , ,018 二零一九年半年度报告 A 股 99

102 , ,476 48,482 43, ,080 49,532 2,721 2,779 4,060 2, , ,198 1,127 1,422 5,800 4,302 6,927 5, , , ,185 81,69667,742 64, ,088 9, , ,678 8, , ,144 8, , ,753 7, ,141 2,245 (1,356) 889 (203) (1,493) (1,696) (1,104) (1,104) (1,185) (1,185) ,955 8, , ,308 7, , ,409 6, , ,415 5, ,139 1,780 (1,347) 433 (149) (1,546) (1,695) (973) (973) (1,033) (1,033) 100 交通银行股份有限公司

103 ,185 (104) (104) , (8) ,185 二零一九年半年度报告 A 股 101

104 ,033 (61) (61) (8) , 交通银行股份有限公司

105 ,376 3, ,384 3, ,111 46, ,982 3,454 58,093 49, ,500 8,500 5,100 5, ,303 3,303 1,759 1, ,000 10,000 14,797 14,797 Bocom Brazil Holding Company Ltda 1,058 1,058 (1) 8,000 8, ,110 8, , (1) % 二零一九年半年度报告 A 股 103

106 ,500 8,500 5,100 5, ,428 1,875 3,303 1,759 1, (644) ,000 10,000 14,797 14,797 Bocom Brazil Holding Company Ltda , ,982 16,768 (644) 4 46, (%) th Floor,1 Bartholomew Lane,London EC2N 2AX UK 7 Ruede la Chapelle, LuXembourg,L Bocom Brazil Holding Rua Voluntários dapátria, 89 1st floor Company Ltda room 103 and 104, Botafogo, Rio de Janeiro, Brazil BANCO BoCom BBM S.A. Praca Pio X, andar Rio de Janeiro RJ, Brazil 交通银行股份有限公司

107 (%) 9.01 (1) (2) (1) 15 3 (2) , (45) 3, , (36) 2, (6) 二零一九年半年度报告 A 股 105

108 , , , , , , (458) (458) (458) (458) 7, , 交通银行股份有限公司

109 , , , , , , , ,113 二零一九年半年度报告 A 股 107

110 ,949 7,949 7,899 7, ,148 3,148 3,113 3, 交通银行股份有限公司

111 ,594 18, ,553 7,151 9, , , , (123) (56) (362) (1,886) (130) (31) (2,465) ,681 18, ,182 7,172 9, , ,860 15,091 11,540 5,197 5,103 53, , ,149 (27) (339) (223) (125) (10) (724) ,822 15,462 14,009 5,436 5,487 58, ,734 3,281 96,896 1,954 4, , ,859 2, ,056 1,736 3, ,019 5, , ,62360, , (203 二零一九年半年度报告 A 股 109

112 ,158 18,288 82,885 6,896 7, ,188 1,367 1,498 25, , , ,076 (528) 528 (294) (1,414) (77) (396) (138) (2,319) 61,594 18, ,553 7,151 9, , ,006 14,691 7,018 4,916 4,251 45,882 1,890 1,588 4, ,596 (7) 7 (29) (1,188) (69) (380) (21) (1,687) 16,860 15,091 11,540 5,197 5,103 53, ,152 3,597 75,783 1,980 3, ,222 44,734 3,281 96,896 1,954 4, ,895 9,596 3, 交通银行股份有限公司

113 ,435 18, ,015 8,939 92, (123) (53) (309) (20) (129) (31) (542) ,508 18, ,962 8,844 91, ,359 14, ,109 5,025 41, ,325 (27) (300) (19) (125) (10) (481) ,271 15, ,290 5,389 43, ,076 3, ,906 3,914 50, ,237 2, ,672 3,455 48,354 2, ,497 18, ,800 7,903 87,922 1,139 1, ,340 2, ,027 (528) (20) (27) 452 (123) (57) (1,387) (74) (386) (129) (2,033) 57,435 18, ,015 8,939 92, ,618 14, ,849 4,220 38,804 1,776 1, ,852 (7) (11) (12) (28) (58) (28) (1,336) (71) (374) (13) (1,822) 16,359 14, ,109 5,025 41, ,879 3, ,951 3,683 49,118 41,076 3, ,906 3,914 50,357 4,852 3,027 二零一九年半年度报告 A 股 111

114 (16) (16) 754 2,724 (16) 2,708 2,407 (16) 2, (16) (16) 746 2,720 (16) 2,704 2,399 (16) 2, 交通银行股份有限公司

115 (%) (50) (6) 944 2, (50) (6) 2, (%) (50) (2) 940 2, (50) (2) 2, 二零一九年半年度报告 A 股 113

116 ,028 2,417 5, (4) (55) (59) ,136 2,367 5, , , (2) (10) (12) , , ,309 1,869 3, ,274 1,799 3, ,780 2,320 5, (22) (106) (128) 3,028 2,417 5, , , (4) (4) 1, , ,328 1,834 3,162 1,309 1,869 3, 交通银行股份有限公司

117 ,813 2,414 5, (55) (55) ,902 2,364 5, , , (10) (10) , , ,225 1,866 3, ,184 1,797 2, ,612 2,320 4, (14) (106) (120) 2,813 2,414 5, , , (3) (3) 1, , ,266 1,834 3,100 1,225 1,866 3, 二零一九年半年度报告 A 股 115

118 ,947 (538) 484 (412) 1, (584) 1,862 21,377 1,685 (662) 1,470 (204) (4) (114) (34) 2,137 (420) (641) 11 (9) (1,059) ,212 (1,200) (157) 1,069 1, (698) 1,819 22, , ,095 (163) (522) 1,988 25,407 (2,901) (1,490) (243) 1,406 3 (62) (126) (3,413) (611) (6) (617) 18,947 (538) 484 (412) 1, (584) 1,862 21, ,986 (479) 489 (162) 1, (509) 1,598 20,534 1,587 (570) 1,420 (204) (4) (8) (69) 2,152 (516) (510) 4 (9) (1,031) ,057 (1,049) (21) 1,262 1, (517) 1,520 21, , ,018 (160) (514) 1,524 24,429 (3,415) (1,431) 10 1, (3,354) (529) (12) (541) 17,986 (479) 489 (162) 1, (509) 1,598 20, 交通银行股份有限公司

119 ,848 20,212 1, , ,956 5,988 5,245 1, ,408 1, ,352 30,336 (6,632) (1,658) (2,292) (573) (2,792) (698) (19,676) (4,919) (132) (33) (31,524) (7,881) 89,828 22,455 二零一九年半年度报告 A 股 117

120 ,789 18,947 1, , ,921 7,230 6,063 1, ,782 1, ,117 30,780 (4,021) (1,005) (351) (88) (2,334) (584) (30,566) (7,642) (336) (84) (37,608) (9,403) 85,509 21, 交通银行股份有限公司

121 ,227 19,057 1, , ,066 6,016 5,219 1, ,081 1, ,477 28,870 (6,026) (1,507) (1,748) (437) (2,067) (517) (19,015) (4,754) (28,856) (7,215) 86,621 21,655 二零一九年半年度报告 A 股 119

122 ,945 17,986 1, , ,801 7,200 6,034 1, ,390 1, ,594 29,399 (3,762) (941) (213) (53) (2,034) (509) (29,447) (7,362) (35,456) (8,865) 82,138 20, ,377 15,936 30,780 25,563 (9,403) (9,627) 9, ,137 (3,413) 49 (1,059) (617) 22,455 21,377 30,336 30,780 (7,881) (9,403) 120 交通银行股份有限公司

123 ,534 14,958 29,399 24,318 (8,865) (9,360) 9, ,152 (3,354) 49 (1,031) (541) 21,655 20,534 28,870 29,399 (7,215) (8,865) ,2118,805 7,1628, ,044 3, ,150 36,069 10,866 14, , ,704 57,931 二零一九年半年度报告 A 股 121

124 ,027 3, ,821 29,835 2,319 1, , ,637 37, (%) (%) 1 45, (986) 44,095 35, (788) 35, (107) (66) (33) (28) , (1,272) 474 1, (1,270) , (2,398) 45,150 38, (2,152) 36, (%) (%) 1 37, (981) 36,549 30, (788) 29, (107) (66) (31) (28) , (1,266) 109 1, (1,256) 79 39, (2,385) 36,821 31, (2,138) 29, 交通银行股份有限公司

125 ,427 (12) 12,415 7,562 (7) 7,555 7,006 (1,601) 5,405 5,819 (1,364) 4,455 15,294 (15) 15,279 9,554 (9) 9,545 12,821 (770) 12,051 15,286 (772) 14,514 47,548 (2,398) 45,150 38,221 (2,152) 36, ,384 (10) 10,374 6,336 (6) 6,330 2,825 (1,592) 1,233 2,624 (1,352) 1,272 14,601 (14) 14,587 9,236 (9) 9,227 11,396 (769) 10,627 13,777 (771) 13,006 39,206 (2,385) 36,821 31,973 (2,138) 29, (130) (128) (124) (121) 二零一九年半年度报告 A 股 123

126 [2005] BANCO BoCom BBM S.A 115 (4) (4) BANCO BoCom BBM S.A 131 (16) (16) ,22085% % Bocom Brazil Holding Company LtdaBBM80% 交通银行股份有限公司

127 ,493 1,005 (1,179) 14,319 7,372 1,327 (1,009) 7, , , , , (1,117) 13,465 7,060 1,203 (953) 7, , , , 二零一九年半年度报告 A 股 125

128 (4) (4) (47) , , (122) ,861 22,673 (728) (17,176) 1,318 (12) 129,936 2,190 (30) 2,160 1,679 (588) 1,091 3,369 (38) 3,331 1,185 (104) 23 1,104 2, (5) (468) , (4) ,657 22,547 (733) (17,648) 1, , 交通银行股份有限公司

129 ,407 (135) 62 1, (1) ,119 42,813 (1,618) (50,168) 1, , , ,190 1,996 (317) 1,679 3,731 (362) 3, ,185 1,940 1,075 (41) (864) , (1) (27) ,803 44,656 (1,619) (51,059) 1, , (49) , , (122) ,297 22,405 (715) (17,168) 1,316 (11) 125,124 2,179 (30) 2,149 1,679 (588) 1,091 3,195 (37) 3,158 1,033 (61) , (5) (469) 40 2, (3) ,741 22,339 (720) (17,640) 1, ,093 二零一九年半年度报告 A 股 127

130 (7) , , ,715 42,594 (1,725) (50,006) 1, , , ,179 1,996 (317) 1,679 3,553 (360) 2 3, ,033 1,933 1,072 (41) (864) 41 (3) 2, (1) (27) ,035 44,463 (1,726) (50,897) 1, , , ,250 15,647 16, , ,295 9,606 11,851 7,227 21, ,148 1,101, , ,679 19,696 20, , ,646 9,992 13,136 7,266 21, ,103 1,121, 交通银行股份有限公司

131 , , , , ,811 8,083 2,184 2, , , ,540 67, , , ,697 1, , , ,515 11,493 12,747 11, ,465 23, ,515 11,493 12,747 11, ,465 23,109 二零一九年半年度报告 A 股 129

132 ,515 11,493 15,454 11, (3) , ,367 32,636 30, , , , ,477 32,636 30, , , 交通银行股份有限公司

133 ,822,126 1,748, , ,393 2,287,312 2,195,241 1,227,345 1,089,095 3,558 3,903 6,054,728 5,724,489 80,720 68,835 6,135,448 5,793, , , ,808,043 1,735, , ,842 2,276,048 2,186,242 1,143,016 1,001,442 2,255 3,288 5,906,067 5,576,622 79,939 68,111 5,986,006 5,644, , , BANCO BoCom BBM S.A. 二零一九年半年度报告 A 股 131

134 ,672 9,516 (13,732) 4, (439) (265) (791) (734) (57) (764) (145) (3) 18 55(1) 78 1,644 (1,657) ,185 (1,201) (35) (421) 16 55(2) (26) (26) 395 9,309 13,567 (17,822) 5, ,645 8,378 (12,416) 3, (401) (233) (758) (703) (55) (718) (222) (3) 18 55(1) 37 1,539 (1,542) ,118 (1,122) (32) (388) 1 55(2) (26) (26) 394 8,201 12,230 (16,319) 4, 交通银行股份有限公司

135 ,798 2,279 4,315 3, ,982 6, ,635 1,334 4,228 3, ,652 5, (a) 1, (b) 4,084 5,081 5,245 6, (a) 1, (b) 4,074 5,068 5,219 6,034 (a) (1) (225) 1, (1) (225) 1, (17) (91) (17) (91) 982 二零一九年半年度报告 A 股 133

136 (a) (225) 1, (225) 1, (14) (91) (14) (91) 966 (b) , ,081 (510) (150) (660) (11) (11) 11 (295) (42) (337) 1 (1) , , , ,170 (1,125) (17) (1,142) 376 (376) (376) , , 交通银行股份有限公司

137 (b) , ,068 (507) (151) (658) (11) (11) 11 (295) (42) (337) , , , ,170 (1,129) (18) (1,147) 376 (376) (376) (7) (7) , ,068 二零一九年半年度报告 A 股 135

138 ,450 39, ,029 70, ,994 1, , , ,838 70, ,798 16,429 6,933 3, , , ,500 39, ,029 70, , , ,798 16,429 5,488 2, , , 交通银行股份有限公司

139 % , /07/01 15 (a) 13, ,500 13, , /10/21 15 (b) 26, ,024 25,950 25,950 39, ,009 1,561 39,450 39,450 (a) (b) % % , /08/18 10 (a) 28, ,406 27,978 27, , /10/03 10 (b) 8, (196) 83 8,193 8, /10/03 12 (c) 3, (71) 35 3,889 3, , /04/11 10 (d) 30, (1,350) ,969 29,968 70,159 1,700 1,733 (1,617) 1,816 70,029 70, , /09/18 10 (e) 2, ,994 1,994 2, ,994 1,994 72,159 1,729 1,784 (1,617) 1,896 72,023 72,011 (a) (b) (c) (d) (e) 10 5 二零一九年半年度报告 A 股 137

140 % , /12/ , ,000 30, , /11/ , ,000 10, , /11/ , ,000 20, , /10/ , ,000 20, , /11/ , ,000 10, B /06/ (10) C /06/ (10) MLibor /05/15 3 4, (81) 21 4,806 4, MLibor /05/15 5 2, (36) 9 2,060 2, MLibor /12/04 3 2, (46) 7 2,747 2, MLibor /12/04 5 4, (71) 11 4,120 4, MLibor /05/17 3 4, (69) 17 4,120 4, MLibor /05/17 5 4, (93) 22 4,806 4,802 P14JHTP1B /12/ (17) P14JHTP1C /12/ (14) P14JHTP1D /12/ (4) , ,052 (451) 2, , , /03/ , (64) 41 3,433 3, /04/25 5 3, (77) 3, /08/18 5 2, (42) 30 2,645 2, /03/15 3 2, (30) 2, /03/15 5 4, (56) 33 4,116 4, /01/25 3 2, (36) 31 2,054 2, /01/25 5 6, (122) 105 6,502 6, /01/ , (35) 29 1,700 1, , /07/21 3 4, ,900 3, , /09/07 3 1, ,200 1, /09/ , /07/18 3 2, ,948 1, , /08/22 3 3, ,397 2, , /10/18 3 3, ,396 2, , /07/05 3 4, ,992 3, , /10/22 3 4, ,991 3,989 Azure Nova /10/25 3 3, (35) 18 3,439 3,431 Azure Nova , /10/25 5 6, (92) 34 6,857 6,847 Azure Nova /03/21 3 4, (72) 39 4,812 4,788 Azure Nova , /03/21 5 7, (125) 70 7,199 7,171 Azure Nova /03/ , (36) 20 1,704 1, /01/22 3 5, , /01/22 5 4, , /04/ , /05/20 3 5, , %SELIC /01/ , ,458 (822) 1,432 80,838 70, ,737 1,202 3,510 (1,273) 3, , , 交通银行股份有限公司

141 % /02/ (9) /04/ (5) /01/25 3 3, (39) 3, MLibor /08/16 3 3, (62) 16 3,781 3,779 3, MLibor /02/21 3 5, (97) 21 5,843 5,840 5, , /05/18 2 2, (78) 9 2,639 2,650 2, , /03/21 2 2, ,500 2, , /03/21 5 3, ,079 3, MLibor /03/21 3 5, (43) 5 5,500 5,494 27, (333) ,782 23,798 16, ,990 59,999 28,628 22,821 2,936 3, , ,170 25,916 6, , , ,793 41,476 2,917 2, , ,611 14,573 6, ,430 59,096 二零一九年半年度报告 A 股 139

142 ,511 21,692 7,616 7,677 2,251 2,238 11,699 12,677 19,913 15,715 76,990 59, ,295 20,519 10,990 10,341 14,508 10,616 58,793 41, , A 39,251 39,251 H 35,012 35,012 74,263 74, 交通银行股份有限公司

143 % ,500,000 2,450 14, % ,000,000 45,000 45,000 59,982 (106) 59, (1) (i) (ii) 5.00% % (2) (3) H 6.51 二零一九年半年度报告 A 股 141

144 (4) (5) (1) (i) (ii) 3.90% %1.37% (2) (3) A 交通银行股份有限公司

145 (4) (5) ,500, ,500,000 14,924 14, ,000, ,000,000 44,952 44, , , , ,529 59,876 59,876 2,671 2,618 2,671 2,618 7,258 6,903 7,258 6,903 二零一九年半年度报告 A 股 143

146 , , (41) (41) , , , , , , , , , , , , ,072 63, , , , , 交通银行股份有限公司

147 ,281 2, , ,717 2, ,455 [2012] ,161 (616) 128,545 42,749 (110) (19) (2,850) (22,279) (2,671) 143, ,491 (609) 112,882 39,290 (2,738) (22,279) (2,671) 124,484 二零一九年半年度报告 A 股 145

148 (1) % %1, , ,263AH , ,326 66,890 44,866 39,316 3,673 3,480 43,620 41,207 10,602 10,483 5,958 6,785 1,817 2, , ,546 (70,047) (63,620) (15,309) (20,470) (7,032) (8,701) (7,198) (5,373) (6,431) (6,230) (5,783) (5,494) (111,800) (109,888) 70,062 60, 交通银行股份有限公司

149 ,437 63,797 44,450 38,950 3,673 3,480 40,928 39,955 11,517 11,112 5,953 6,782 1,713 2, , ,077 (68,872) (62,854) (15,391) (20,658) (7,032) (8,701) (7,013) (5,186) (5,772) (4,878) (4,795) (4,622) (108,875) (106,899) 66,796 59, 二零一九年半年度报告 A 股 147

150 ,213 9,301 7,372 6,511 2,632 2,470 2,274 1,736 1,437 1,400 1,024 1, ,070 22,746 (1,341) (1,048) (437) (344) (170) (172) (1,948) (1,564) 23,122 21, ,194 9,292 5,882 5,212 1,842 1,625 2,487 2,079 1,445 1,401 1,006 1, ,913 20,847 (1,337) (1,045) (236) (177) (205) (191) (1,778) (1,413) 21,135 19, 交通银行股份有限公司

151 , ,843 4, ,590 4, , ,175 4, (21) ,841 5, (4,802) 1,081 1,704 (157) 2,598 (918) 942 2, , (4,483) 962 1,704 (157) 2,458 (823) 580 2, ,451 二零一九年半年度报告 A 股 149

152 ,135 (1,899) (1,740) 2, , ,690 (1,936) (1,211) 2, ,918 4, , ,102 7,424 7, , ,123 2,209 2, 交通银行股份有限公司

153 ,277 1, ,197 1, (1) 13,570 12,967 9,516 9, ,660 1,576 2,394 2,141 15,101 12,810 4,034 2,796 32,705 28, (1) 12,233 11,914 8,378 8, ,555 1,494 2,300 2,063 14,507 12,341 3,787 2,691 30,527 26,946 (1) 24 二零一九年半年度报告 A 股 151

154 (47) (20) 47 (1) (122) (12) 22,673 17,429 (588) (267) (997) (1,960) (38) (45) (104) (30) 1, (164) 21,544 16, (49) (38) 65 (1) (122) (14) 22,405 17,295 (588) (267) (995) (1,966) (37) (47) (61) (30) 1, (163) 21,338 16, 交通银行股份有限公司

155 ,149 4,290 2, ,616 4, , ,115 1,281 二零一九年半年度报告 A 股 153

156 (12) (15) 交通银行股份有限公司

157 ,128 6, ,948 7,413 (2,137) (937) 5,811 6, ,282 5, ,848 6,589 (2,152) (977) 4,696 5, ,959 47,470 25% 12,240 11, (4) 649 1,209 (1) (7,595) (5,821) 431 (776) 5,811 6, ,986 44,041 25% 10,997 11, ,199 (1) (7,271) (5,821) 431 (776) 4,696 5,612 (1) 二零一九年半年度报告 A 股 155

158 (1,116) 171 (945) 207 (31) (1,106) 94 (1,012) 130 (31) 94 5 (20) , ,696 2,252 (469) (1,028) ,485 (901) 584 (709) (192) (901) 1,018 1,561 2,579 2,639 (241) (838) 1,561 (1) 24 (61) (37) 156 (228) 11 (61) , , (9) 16 2, ,751 2,459 (469) (1,059) (1,169) 226 (943) 276 (50) (1,159) 149 (1,010) 199 (50) 149 (20) , ,640 1,649 (404) (981) 264 1,485 (901) 584 (642) (259) (901) 921 1,121 2,042 1,983 (145) (717) 1, (43) (14) 212 (259) 4 (43) (404) 71 (333) , , (9) 16 2, ,697 1,925 (404) (1,031) 交通银行股份有限公司

159 ,749 40,771 (2,671) (2,618) 40,078 38,153 40,078 38, ,263 74,263 74,263 74, , 二零一九年半年度报告 A 股 157

160 (1) , ,402 35,177 47,066 35, ,084 22,918 27,445 33,002 27,445 (2) ,326 47,157 9,327 9,026 (43,419) 2,670 17,234 58, ,087 42,700 3,321 7,233 7,545 (22,443) (5,042) 15,877 48, 交通银行股份有限公司

161 (1) ,148 40,994 21,550 16,666 5,807 (1,379) 6,758 4, (12) (132) (11) (43,620) (41,207) (728) (927) 1,258 (5,052) (620) (157) 5,783 5,494 (1,150) (351) (347,043) (241,770) 311, ,883 2,945 76, , ,049 (243,492) (228,919) (62,191) 22,130 二零一九年半年度报告 A 股 159

162 (1) ,290 38,429 21,344 16,462 3,787 2, (15) (47) (10) (40,928) (39,955) (715) (901) 918 (4,888) (592) (275) 4,795 4,622 (1,128) (386) 7 (71) (312,967) (186,401) 283, ,139 (2,926) 12, , ,012 (225,724) (223,796) (66,469) 3,216 (2) ,759 13,837 79, ,642 88, , , , ,327 13,458 78, ,440 68,416 97, , , 交通银行股份有限公司

163 (1) , , , ,070 35,892 32,308 35,892 32, , , , , , , , ,241 35,892 32,308 35,892 32, , , , , (2) , (1) 二零一九年半年度报告 A 股 161

164 (1) ,119 4,094 5,284 3, ,440 3,032 4,606 2,736 (2) , ,810 (3) ,652 72,09498,763 93, ,8496,108 (4) , ,9712, , 交通银行股份有限公司

165 (1) ,221 1, ,644 1, ,151 1, ,539 1, 二零一九年半年度报告 A 股 163

166 (2) (3) (3) 交通银行股份有限公司

167 (2) 3.31%2.10% %2.12% (1) , ,366 (2) , ,502 1,034,162 1,054,073 1,008, ,003 2,309,279 2,256, , , 二零一九年半年度报告 A 股 165

168 (2) , ,644 7, , ,061 2,989 2, , , , , ,547 4, , ,767 2,101 2, , , , 交通银行股份有限公司

169 % % , ,736 7,466 8, ,000 7, % % 2.13~ ~ % % ,150 26, 二零一九年半年度报告 A 股 167

170 % % 3.85~ ~ % % ,207 2,250 2, , ,301 1, ,390 4,410 1,033 1,289 15,118 13,298 2,153 2,832 40,811 48, ,585 1, , , (759) 286 (72) (472) 交通银行股份有限公司

171 % % 0.01~ ~ ~ ~ ~ ~ ~ ~6.10 (0.16)~3.46 (0.01)~ ~ ~ ~ ~ ~ ~ ,376 74,791 1,651 7,298 1,756 1, ,044 19,904 11,438 10,255 3,142 2, ,202 1, 二零一九年半年度报告 A 股 169

172 % % 0.01~ ~ ~ ~ ~ ~ ~ ~ ~ ~4.85 (0.30)~ ~ ~ ~ 交通银行股份有限公司

173 % % ~ ~ ~ ~ ~ , , ,804 42, ,076 二零一九年半年度报告 A 股 171

174 % % 3.92~ ~ ~ ~ ~ ~ ,263 3,242 1, ,227 3,156 1, 交通银行股份有限公司

175 ,017 58,440 (1) 1 18,761 12,709 (2) 1 40,256 45, , , , , , , , ,550 1,433,920 1,456, ,926 54,141 (1) 1 18,364 12,289 (2) 1 37,562 41, , , , , , , , ,487 1,429,327 1,444, ,201 66, ,975 9,319 二零一九年半年度报告 A 股 173

176 ,918 2,772 1,908 2,215 1,532 12,345 3,769 2,691 1,880 2,204 1,532 12, ,366 11,204 13,057 11,045 12,640 10,768 24,033 20,983 49,465 59, , , ,36874, 交通银行股份有限公司

177 ,602 3,442 46,842 20,989 9,316 7,298 18, ,180 8,616 2,537 24,698 15,817 7,164 4,527 6,703 70,062 14,691 4,528 42,140 24,189 11,763 16,709 67, ,862 (14,898) (4,397) (29,413) (16,677) (7,619) (12,124) (26,672) (111,800) 8,823 2,406 11,971 8,305 3,020 (58) (34,467) 2, ,776 4,663 1,817 1,539 5,104 23, ,517 7, (4) (64) 877 8, , , ,424 (1) (1) 140 (6) (4,388) (3,986) (29,055) (7,768) (3,975) (2,475) (17,379) (69,026) (187) (58) (421) (224) (124) (50) (213) (1,277) (3,133) (1,591) (8,218) (5,278) (2,449) (2,274) (9,762) (32,705) (809) (2,254) (7,400) (2,086) (1,288) 99 (7,806) (21,544) (1) 5 (10) (6) (7,872) (6) (7,878) (259) (82) (5,149) (170) (114) (244) 402 (5,616) 7,214 (544) 17,787 13,221 5,341 4,823 1,312 49, (92) (8) 216 (16) (410) 4 (23) (329) 7,127 (547) 18,043 13,241 4,947 4,850 1,298 48,959 (5,811) 43,148 (539) (212) (1,151) (789) (438) (285) (620) (4,034) (47) (27) (18,859) (152) (74) (73) (193) (19,425) 二零一九年半年度报告 A 股 175

178 ,683 3,438 36,936 18,624 8,329 5,915 17, ,865 7,845 2,469 20,546 13,940 6,346 3,024 6,488 60,658 14,271 4,793 38,493 21,246 10,619 12,711 68, ,546 (16,577) (4,736) (30,231) (17,034) (7,488) (9,689) (24,133) (109,888) 10,151 2,412 12,284 9,728 3,215 2 (37,792) 2, ,678 4,169 1,625 1,522 4,276 21, ,739 4, ,256 2, (497) 1,112 4, , , ,281 (1) 9 (1) (2,576) (4,976) (20,953) (6,115) (4,498) (2,391) (12,906) (54,415) (180) (66) (429) (212) (114) (48) (207) (1,256) (2,902) (1,419) (7,924) (4,585) (2,054) (1,873) (7,816) (28,573) 816 (3,392) (5,560) (1,091) (2,164) (276) (4,996) (16,663) (1) (2) (3) (3,718) (5) (3,723) (310) (99) (3,321) (227) (166) (187) 113 (4,197) 8,107 (1,538) 15,983 12,509 3,831 3,524 5,034 47, (64) 5 (14) (10) (68) (148) 8,113 (1,535) 15,970 12,541 3,830 3,551 5,000 47,470 (6,476) 40,994 (372) (170) (818) (523) (297) (114) (502) (2,796) (22) (20) (11,451) (114) (121) (192) (275) (12,195) 176 交通银行股份有限公司

179 ,163, ,952 2,851,510 1,566, ,453 1,063,300 4,220,242 (2,084,716) 9,863, ,983 4,384 23,125 9,886,608 (1,155,850) (356,987) (2,727,689) (1,542,874) (723,893) (1,032,483) (3,707,130) 2,084,716 (9,162,190) (670) (9,162,860) 1,157, ,827 2,669,816 1,434, ,096 1,006,195 4,224,506 (2,011,366) 9,509, ,575 3,653 21,975 9,531,171 (1,140,638) (342,636) (2,534,865) (1,399,199) (681,169) (991,077) (3,747,047) 2,011,366 (8,825,265) (598) (8,825,863) 二零一九年半年度报告 A 股 177

180 ,718 44,455 9,817 12, ,180 36,090 29,976 2,869 1,127 70,062 25,603 22,114 21,218 1,127 70,062 10,487 7,862 (18,349) 8,704 13, ,142 23, , , (31) (1) ,311 8,311 5,981 1, , (28,258) (29,322) (1,207) (10,239) (69,026) (515) (682) (53) (27) (1,277) (10,935) (18,532) (1,417) (1,821) (32,705) (12,450) (9,333) 263 (24) (21,544) (6) (6) (7,878) (7,878) (4,358) (775) (483) (5,616) 23,460 15,133 8,610 1,951 49, (182) (1) (146) (329) 23,290 15,137 8,610 1,922 48,959 (5,811) 43,148 (1,214) (2,544) (89) (187) (4,034) (5,844) (12,255) (426) (900) (19,425) 178 交通银行股份有限公司

181 ,679 35,548 10,493 7, ,865 33,570 22,616 3,384 1,088 60,658 24,885 18,487 16,198 1,088 60,658 8,685 4,129 (12,814) 8,416 11, ,366 21,182 (98) 5, , ,532 (135) 2,436 1,607 (11) (484) 1,112 4,122 4,122 5,008 1, , (23,163) (24,428) (1,487) (5,337) (54,415) (540) (589) (93) (34) (1,256) (9,612) (16,459) (1,230) (1,272) (28,573) (10,281) (6,215) (162) (5) (16,663) (3) (3) (3,723) (3,723) (2,730) (1,165) (2) (300) (4,197) 25,516 11,120 9,006 1,808 47, (1) (1) (1) (145) (148) 25,517 11,127 9,005 1,821 47,470 (6,476) 40,994 (842) (1,764) (61) (129) (2,796) (3,668) (7,694) (268) (565) (12,195) 二零一九年半年度报告 A 股 179

182 ,439,644 1,744,021 4,589,963 89,855 9,863,483 4,384 4,384 23,125 9,886,608 (4,445,891) (1,975,188) (2,682,135) (58,976) (9,162,190) (670) (9,162,860) 3,181,294 1,721,526 4,529,647 76,729 9,509,196 3,653 3,653 21,975 9,531,171 (4,247,625) (1,806,316) (2,742,362) (28,962) (8,825,265) (598) (8,825,863) 交通银行股份有限公司

183 (VaR) (VaR) (VaR) 99% 二零一九年半年度报告 A 股 181

184 ,351 27,927 3,246 13, ,956 47,007 94,342 3,082 5, , , ,907 6,437 6, ,946 16, , ,676 38, ,496 4,471, , ,223 71,040 5,013, ,148 33,442 1,746 16, ,304 1,958,728 16,876 2,826 1,978, , ,397 51,513 49, , , ,367 7,357 1, ,962 8,342,544 1,145, , ,698 9,886,608 (432,020) (5,013) (4,022) (441,055) (900,454) (36,391) (1,691) (6,612) (945,148) (101,636) (340,898) (11,791) (31,498) (485,823) (3,503) (1,445) (11,656) (11,861) (28,465) (18,695) (2,981) (1,951) (329) (23,956) (61,690) (16,843) (1,960) (80,493) (5,437,879) (438,441) (223,579) (35,549) (6,135,448) (387,495) (80,690) (7,413) (13,569) (489,167) (225,420) (102,341) (6,224) (3,987) (337,972) (166,473) (18,859) (6,101) (3,900) (195,333) (7,735,265) (1,043,902) (270,406) (113,287) (9,162,860) 607, ,448 (41,390) 56, ,748 1,267, ,967 23,462 16,060 1,433, 交通银行股份有限公司

185 ,959 30,993 3,390 20, ,171 39, ,567 7,736 5, , , ,464 5,439 4, ,778 25,102 1,738 3, , , , ,643 4,245, , ,325 60,852 4,742, ,378 29, , ,386 1,981,956 15,707 2,842 2,000, , ,484 45,069 43, , , ,928 7,410 1, ,922 8,133,270 1,027, , ,273 9,531,171 (512,487) (5,032) (2,619) (520,138) (1,052,496) (36,290) (2,200) (10,338) (1,101,324) (83,240) (282,487) (164) (37,427) (403,318) (4,155) (1,137) (7,234) (10,583) (23,109) (24,021) (900) (2,809) (375) (28,105) (127,900) (8,551) (1,062) (137,513) (5,122,012) (437,650) (207,753) (25,909) (5,793,324) (252,635) (87,590) (9,587) (16,941) (366,753) (215,200) (95,116) (3,448) (3,924) (317,688) (99,298) (26,700) (5,029) (3,564) (134,591) (7,493,444) (981,453) (238,224) (112,742) (8,825,863) 639,826 45,698 (26,747) 46, ,308 1,281, ,995 27,704 12,261 1,456,218 二零一九年半年度报告 A 股 183

186 ,734 27,797 2,272 13, ,147 37,144 90,404 3,067 5, , , ,379 8,193 9, ,940 15, , ,015 29, ,182 4,364, , ,434 64,264 4,813, ,717 28, , ,004 1,941,948 16,596 1,768 1,960, , ,676 45,864 26, , ,562 9,661 22,199 2, ,625 8,161, , , ,975 9,457,606 (432,020) (5,013) (4,022) (441,055) (913,995) (40,175) (1,932) (7,001) (963,103) (53,707) (278,485) (19,556) (34,048) (385,796) (3,503) (1,445) (11,656) (11,861) (28,465) (18,666) (2,663) (2,497) (240) (24,066) (57,722) (10,433) (1,281) (69,436) (5,407,306) (411,656) (139,723) (27,321) (5,986,006) (387,495) (80,690) (7,413) (7,832) (483,430) (197,409) (46,195) (6,224) (3,917) (253,745) (116,670) (11,072) (2,744) (2,980) (133,466) (7,588,493) (887,827) (191,745) (100,503) (8,768,568) 573,368 83,336 (7,138) 39, ,038 1,267, ,732 20,543 14,659 1,429, 交通银行股份有限公司

187 ,088 30,982 1,376 20, ,960 36,651 99,493 7,789 5, , , ,882 13,244 6, ,788 23,909 1,650 3, , , ,128 4,143, ,331 87,847 54,064 4,556, ,997 26, , ,351 1,965,031 15,552 1,768 1,982,351 93, ,374 35,875 27, , ,911 6,954 21,569 2, ,594 7,963, , , ,352 9,147,793 (512,482) (5,032) (2,619) (520,133) (1,069,393) (37,534) (3,421) (10,699) (1,121,047) (35,625) (229,456) (14,119) (38,369) (317,569) (4,155) (1,137) (7,234) (10,583) (23,109) (24,021) (888) (3,602) (290) (28,801) (125,659) (7,962) (133,621) (5,096,975) (406,508) (123,346) (17,904) (5,644,733) (252,635) (87,588) (9,587) (10,956) (360,766) (192,675) (44,116) (3,448) (3,924) (244,163) (54,490) (19,008) (2,633) (2,903) (79,034) (7,368,110) (839,229) (167,390) (98,247) (8,472,976) 595,260 38,306 4,146 37, ,817 1,281, ,835 17,791 11,228 1,444,964 二零一九年半年度报告 A 股 185

188 % 5% % (2,064) (956) (1,755) (891) 5% 2, , % (2,180) (290) (1,751) (232) 5% 2, , 交通银行股份有限公司

189 ,994 19, ,956 99,442 17,936 32, , ,455 76, , ,173 11,461 5, ,946 19,676 19,676 39, ,496 2,164, ,726 1,825, ,547 54, ,914 5,013,630 25,098 19,818 49,769 28,406 30, , ,304 30,781 50, ,494 1,134, ,343 27,563 1,978,430 77, ,636 72, ,873 64,944 13, , , ,962 3,336, ,604 2,436,660 1,622, , ,462 9,886,608 (57,615) (67,702) (315,738) (441,055) (545,471) (91,297) (300,652) (501) (7,227) (945,148) (194,718) (139,491) (92,407) (34,469) (22,554) (2,184) (485,823) (2,865) (5,447) (8,158) (10,907) (1,088) (28,465) (23,956) (23,956) (34,959) (13,107) (25,739) (6,614) (74) (80,493) (3,169,017) (667,320) (1,238,110) (945,382) (19,941) (95,678) (6,135,448) (57,443) (53,561) (365,727) (11,444) (992) (489,167) (3,900) (4,978) (32,434) (174,585) (115,142) (6,933) (337,972) (160) (109) (1,745) (8,292) (28,873) (156,154) (195,333) (4,066,148) (1,043,012) (2,380,710) (1,192,194) (186,510) (294,286) (9,162,860) (729,586) (174,408) 55, , , , ,748 二零一九年半年度报告 A 股 187

190 ,408 24, , ,692 15,496 18, , ,716 50, , ,472 5,463 6, ,778 30,730 30, , , ,643 2,211, ,424 1,544, ,108 64, ,680 4,742,372 27,857 18,051 48,317 43,896 33, , ,386 41,240 59, ,740 1,165, ,443 29,100 2,000,505 50, ,857 80, ,220 53,657 11, , , ,922 3,568, ,578 2,087,959 1,579, , ,890 9,531,171 (52,092) (74,776) (384,416) (8,854) (520,138) (522,607) (139,144) (412,413) (833) (5,128) (21,199) (1,101,324) (96,572) (94,329) (148,532) (40,014) (21,393) (2,478) (403,318) (2,968) (5,760) (5,948) (7,401) (1,032) (23,109) (28,105) (28,105) (105,304) (16,867) (10,107) (5,162) (73) (137,513) (2,970,102) (391,142) (1,609,799) (661,237) (75,540) (85,504) (5,793,324) (41,063) (105,522) (204,873) (14,246) (1,049) (366,753) (3,429) (2,745) (27,436) (165,429) (115,058) (3,591) (317,688) (247) (237) (903) (6,096) (26,029) (101,079) (134,591) (3,794,384) (830,522) (2,804,427) (900,418) (243,148) (252,964) (8,825,863) (226,317) (41,944) (716,468) 679, , , , 交通银行股份有限公司

191 ,617 19, ,147 86,872 16,640 32, , ,981 88, , ,782 26,588 5, ,940 19,015 19,015 28, ,182 2,105, ,137 1,756,018 92,282 32, ,837 4,813,593 24,385 19,814 48,927 25,223 26, , ,004 30,215 50, ,210 1,125, ,158 27,435 1,960,312 50, ,671 57, ,207 44,726 10, , , ,625 3,241, ,505 2,363,947 1,552, , ,395 9,457,606 (57,615) (67,702) (315,738) (441,055) (561,914) (91,298) (301,630) (996) (7,265) (963,103) (190,434) (106,406) (76,489) (10,771) (1,696) (385,796) (2,865) (5,447) (8,158) (10,907) (1,088) (28,465) (24,066) (24,066) (25,383) (11,719) (25,676) (6,614) (44) (69,436) (3,088,689) (631,774) (1,211,172) (943,312) (19,941) (91,118) (5,986,006) (57,303) (53,176) (363,188) (9,138) (625) (483,430) (3,778) (24,233) (110,570) (109,676) (5,488) (253,745) (1) (5) (225) (2,686) (130,549) (133,466) (3,984,203) (971,301) (2,326,289) (1,092,533) (132,303) (261,939) (8,768,568) (742,540) (137,796) 37, , , , ,038 二零一九年半年度报告 A 股 189

192 ,592 24, , ,409 15,566 18,314 1, , ,854 70, , ,801 21,264 7, ,788 29,447 29, , ,128 2,148, ,416 1,470,279 84,179 41, ,417 4,556,775 27,857 17,919 47,587 43,567 32, , ,351 40,343 58, ,699 1,155, ,506 28,924 1,982,351 32,402 94,901 43, ,748 32,506 8, , , ,594 3,475, ,449 1,986,655 1,545, , ,682 9,147,793 (52,092) (74,776) (384,411) (8,854) (520,133) (542,124) (139,144) (412,283) (833) (5,128) (21,535) (1,121,047) (90,623) (77,336) (127,271) (20,441) (1,898) (317,569) (2,968) (5,760) (5,948) (7,401) (1,032) (23,109) (28,801) (28,801) (102,139) (16,867) (9,801) (4,743) (71) (133,621) (2,900,931) (365,981) (1,561,238) (659,373) (75,540) (81,670) (5,644,733) (40,687) (104,922) (202,753) (11,713) (691) (360,766) (3,429) (15,531) (112,752) (109,665) (2,786) (244,163) (2) (5) (248) (2,721) (76,058) (79,034) (3,734,993) (784,788) (2,719,241) (817,504) (193,054) (223,396) (8,472,976) (259,376) (13,339) (732,586) 727, , , , 交通银行股份有限公司

193 ,477 (8,886) 14,029 (5,572) 100 (12,477) 8,116 (14,029) 5, ,747 (7,004) 13,583 (4,496) 100 (12,747) 6,677 (13,583) 4, 二零一九年半年度报告 A 股 191

194 (1) (1) (2) (3) (4) (2) 192 交通银行股份有限公司

195 (2) (3) (4) 二零一九年半年度报告 A 股 193

196 (a) (b) (c) (1) 12(ECL) 90 (a) (b) (c) (d) (e) 交通银行股份有限公司

197 (1) (a) (b) (c) (d) (2) 12 (PD) (LGD) (EAD) (PD) (EAD) (LGD) (PD) (EAD) (LGD) 二零一九年半年度报告 A 股 195

198 (2) (GDP) IMF / 交通银行股份有限公司

199 , ,958 25, , , ,506 1,603, , ,919 53,801 2,675, ,427 3,226,722 (104,937) 3,121,785 2,931, ,603, ,961 2,708 2,481, ,298 3,024,231 (24,993) 2,999,238 2,825, , , ,561 6, ,973 (43,637) 102,336 85, ,801 53,801 2,717 56,518 (36,307) 20,211 20, , ,279 8, , , , , ,956 99,889 4, , , , , ,390 4,083 6,473 6,473 6,473 6, ,186, ,941 23,710 18,528 1,617,074 37,143 1,654,217 (24,999) 1,629,218 1,614, ,186, ,882 15,722 1,589,262 36,826 1,626,088 (7,137) 1,618,951 1,604, ,059 7,988 9, ,397 (2,674) 6,723 5, ,528 18, ,732 (15,188) 3,544 3, ,852 3, , , ,443 (1,661) 786, ,067 1,902,380 37,388 1,080 1,940,848 40,913 1,981,761 (3,331) 1,978,430 2,000, ,902,380 37,388 1,939,768 40,604 1,980,372 (2,704) 1,977,668 1,999, ,080 1, ,389 (627) ,669 1, , , , , , ,669 1, , , , , , , ,382 25,579 15,791 41,370 (2,672) 38,698 25, ,914 23,915 15,791 39,706 (1,703) 38,003 25, (84) ,382 1,382 1,382 (885) ,298,379 1,460, ,081 75,049 7,979,779 1,305,961 9,285,740 (137,600) 9,148,140 8,867, ,054, ,623 1,737 1,356,613 71,910 1,428,523 (3,926) 1,424,597 1,446, ,489 2,636 5, ,397 (158) 5,239 4,313 1,054, ,112 4,373 1,361,738 72,182 1,433,920 (4,084) 1,429,836 1,451,137 7,352,632 1,763, ,454 75,049 9,341,517 1,378,143 10,719,660 (141,684) 10,577,976 10,318,556 二零一九年半年度报告 A 股 197

200 ,676 30, , , , ,554 38,769 37,232 9,818 8, , , ,015 29,447 99, , , ,922 38,769 37,232 9,818 8, , , (a) 198 交通银行股份有限公司

201 (a) 90% 90% 90% 60% 65% 70% 70% 50% ,776 (36,306) 20,470 16,709 18,732 (15,188) 3,544 13,245 1,389 (627) 762 1,041 (b) 二零一九年半年度报告 A 股 199

202 (1) % % 117, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,067, ,007, , , , , ,130, ,854, 交通银行股份有限公司

203 (1) % % 110, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,052, , , , , , ,926, ,665, 二零一九年半年度报告 A 股 201

204 (2) % % 1 650, , , , ,349, ,250, ,034, , , , , , ,130, ,854, % % 1 650, , , , ,221, ,131, ,034, , , , , , ,926, ,665, (1) (2) (3) (4) (5) (6) 202 交通银行股份有限公司

205 (1) (2) (3) (4) (5) (6) 二零一九年半年度报告 A 股 203

206 ,239 98, ,956 77,823 21,861 18,117 33, , ,742 77, , ,212 15, ,762 39, ,589 48, , ,677 1,324,518 1,568,372 2,812,607 6,829, ,054 5,089 8,542 11,722 52,014 55,668 58, , ,442 48, ,068 1,331, ,058 2,271,445 8,511 42,514 27, , ,524 70, , ,304 43,195 50,168 1,001, , , ,824 2,028,412 3,434,284 3,562,608 11,819,235 (57,723) (68,107) (323,081) (448,911) (467,799) (80,004) (93,222) (309,223) (537) (950,785) (195,342) (140,661) (94,627) (38,146) (28,697) (497,473) (885) (2,894) (5,574) (8,409) (11,149) (28,911) (34,996) (13,191) (26,068) (6,826) (81,081) (2,546,036) (656,718) (688,037) (1,298,914) (1,013,631) (23,468) (6,226,804) (57,837) (54,256) (373,408) (12,748) (498,249) (5,355) (7,970) (39,072) (209,872) (127,893) (390,162) (69,375) (160) (109) (1,745) (8,292) (28,873) (108,554) (3,084,095) (1,091,029) (1,071,127) (2,474,547) (1,301,201) (208,931) (9,230,930) 50,168 1,001,804 (2,860,472) (113,517) (530,303) (446,135) 2,133,083 3,353,677 2,588, 交通银行股份有限公司

207 , , ,171 93,517 36,052 15,723 19, , ,362 52, , ,053 5, , , , ,782 36, , ,572 1,307,557 1,520,092 2,574,873 6,407, ,838 8,232 7,416 10,235 51,034 72,536 54, , ,005 55, ,384 1,375, ,879 2,295,280 7,388 12,314 28, , ,017 63, , ,679 35,460 38, , ,852 1,075, ,694 1,948,391 3,365,746 3,256,170 11,313,333 (53,785) (77,159) (397,252) (528,196) (438,924) (100,528) (144,001) (428,638) (840) (5,148) (1,118,079) (97,268) (95,049) (149,736) (44,097) (27,171) (413,321) (865) (2,980) (5,857) (6,265) (7,726) (23,693) (105,389) (16,959) (10,219) (5,340) (137,907) (2,443,124) (555,345) (399,059) (1,659,473) (704,621) (80,025) (5,841,647) (41,447) (106,436) (209,534) (15,446) (372,863) (3,665) (3,474) (39,527) (199,677) (129,224) (375,567) (52,322) (247) (237) (903) (6,096) (26,029) (85,834) (2,935,235) (960,654) (848,231) (2,901,547) (983,843) (267,597) (8,897,107) 38, ,602 (2,672,383) 114,432 (397,537) (953,156) 2,381,903 2,988,573 2,416,226 二零一九年半年度报告 A 股 205

208 ,293 96, ,147 66,514 20,615 16,865 33, , ,296 89, , ,273 34, ,118 28, ,238 46, , ,002 1,303,053 1,460,668 2,726,352 6,602, ,953 5,089 7,824 11,718 51,358 52,379 53, , ,061 48, ,708 1,319, ,778 2,251,022 6,927 25,904 21,112 82, ,816 49, , ,853 27,744 48, , , , ,701 2,001,708 3,256,529 3,465,354 11,435,660 (57,723) (68,107) (323,081) (448,911) (484,048) (80,217) (93,223) (310,231) (1,095) (968,814) (191,118) (107,315) (78,418) (11,441) (388,292) (885) (2,894) (5,574) (8,409) (11,149) (28,911) (25,389) (11,791) (26,003) (6,826) (70,009) (2,491,824) (626,558) (652,149) (1,271,603) (1,011,488) (23,468) (6,077,090) (57,684) (53,827) (370,603) (9,980) (492,094) (540) (5,770) (32,215) (139,123) (121,101) (298,749) (58,793) (1) (5) (225) (2,686) (61,710) (3,035,550) (1,042,123) (997,757) (2,420,568) (1,191,327) (147,255) (8,834,580) 48, ,173 (2,840,550) (81,627) (457,056) (418,860) 2,065,202 3,318,099 2,601, 交通银行股份有限公司

209 , , ,960 81,210 34,231 15,792 19, , ,182 72, , , , , , ,177 39, , ,094 1,285,874 1,414,417 2,486,644 6,180, ,016 8,232 7,416 10,217 50,311 72,096 53, , ,095 55, ,516 1,364, ,844 2,275,293 5,724 8,206 22,697 71, ,023 41, , ,478 17,259 40, , ,704 1,061, ,726 1,891,941 3,211,685 3,319,629 11,109,838 (53,785) (77,159) (397,247) (528,191) (458,466) (100,841) (144,001) (428,505) (840) (5,148) (1,137,801) (91,504) (78,136) (129,852) (21,662) (321,154) (865) (2,980) (5,857) (6,265) (7,726) (23,693) (102,222) (16,959) (9,902) (4,882) (133,965) (2,391,005) (535,004) (373,697) (1,610,544) (702,693) (80,025) (5,692,968) (40,984) (105,700) (207,112) (12,281) (366,077) (3,473) (301) (25,250) (140,729) (122,714) (292,467) (41,477) (1) (5) (248) (2,721) (44,452) (2,891,813) (930,793) (801,811) (2,814,682) (891,061) (210,608) (8,540,768) 40, ,545 (2,663,109) 130,832 (342,085) (922,741) 2,320,624 3,109,021 2,569,070 二零一九年半年度报告 A 股 207

210 , , , ,607 (174) (77) (1,787) (2,038) (151) (328) (1,283) (3,860) (574) (6,196) (325) (405) (3,070) (3,860) (574) (8,234) ,016 2, , ,016 2, ,874 (145) (220) (389) (754) (64) (200) (760) (1,836) (104) (2,964) (209) (420) (1,149) (1,836) (104) (3,718) 208 交通银行股份有限公司

211 , , , ,498 (174) (77) (1,787) (2,038) (146) (310) (1,167) (3,530) (492) (5,645) (320) (387) (2,954) (3,530) (492) (7,683) , , , ,916 (145) (220) (389) (754) (142) (177) (650) (1,939) (160) (3,068) (287) (397) (1,039) (1,939) (160) (3,822) 二零一九年半年度报告 A 股 209

212 , ,502 1,303,171 72,053 3,402 2,967,637 (951,915) (636,080) (1,308,363) (72,243) (1,660) (2,970,261) 1,594 (578) (5,192) (190) 1,742 (2,624) , ,837 1,458,647 41,052 2,870 2,791,435 (745,533) (542,190) (1,458,561) (41,111) (1,241) (2,788,636) (59) 1,629 2, , ,605 1,249,818 69, ,718,140 (807,369) (591,172) (1,254,965) (69,198) (575) (2,723,279) 741 (567) (5,147) (192) 26 (5,139) , ,682 1,385,104 37, ,614,898 (680,077) (511,082) (1,386,251) (37,565) (69) (2,615,044) (1,147) (47) (146) 210 交通银行股份有限公司

213 ,239 98, ,956 77,823 21,859 18,055 32, , ,691 77, , ,061 11, ,946 4,617 2,696 8,352 2,958 1,053 19,676 39, ,496 39, , ,143 1,206,740 1,115,048 1,628,789 5,013, ,054 5,089 8,471 11,338 48,838 42,453 43, , ,673 44, ,229 1,152, ,352 1,978,430 8,511 42,304 26,595 94, ,238 66, , ,388 59, ,569 19,871 3, ,962 41,632 1,184, , , ,920 1,874,506 2,789,273 2,288,774 9,886,608 (57,615) (67,702) (315,738) (441,055) (467,799) (79,872) (92,684) (304,286) (507) (945,148) (195,189) (140,077) (93,106) (34,725) (22,726) (485,823) (885) (2,869) (5,494) (8,183) (11,034) (28,465) (4,340) (2,645) (11,255) (4,218) (1,498) (23,956) (34,984) (13,129) (25,746) (6,634) (80,493) (2,545,033) (652,504) (681,432) (1,268,883) (967,606) (19,990) (6,135,448) (57,595) (53,768) (366,175) (11,629) (489,167) (4,016) (5,143) (32,614) (177,540) (118,659) (337,972) (67,124) (26,354) (16,197) (6,700) (46,735) (32,223) (195,333) (3,080,841) (1,115,338) (1,078,271) (2,432,686) (1,260,628) (195,096) (9,162,860) 41,632 1,184,192 (2,839,868) (155,000) (571,351) (558,180) 1,528,645 2,093, ,748 二零一九年半年度报告 A 股 211

214 , , ,171 93,420 35,913 15,594 18, , ,924 51, , ,114 5, ,778 5,601 6,887 13,831 2,859 1,552 30, , , ,643 26, , ,043 1,191,035 1,088,301 1,514,178 4,742, ,838 8,232 7,253 9,786 47,586 58,183 50, , ,084 52, ,158 1,187, ,466 2,000,505 7,388 13,348 27, , ,364 57, , ,617 54, ,311 1, ,922 28,692 1,085, ,316 1,060, ,362 1,794,395 2,734,457 2,124,546 9,531,171 (53,648) (76,716) (389,774) (520,138) (438,924) (98,453) (141,112) (416,874) (833) (5,128) (1,101,324) (97,237) (94,934) (149,363) (40,304) (21,480) (403,318) (865) (2,968) (5,801) (5,978) (7,497) (23,109) (5,036) (6,199) (14,435) (2,199) (236) (28,105) (105,351) (16,875) (10,116) (5,171) (137,513) (2,442,774) (554,332) (397,452) (1,649,194) (674,006) (75,566) (5,793,324) (41,268) (105,764) (205,243) (14,478) (366,753) (3,462) (2,889) (27,557) (166,392) (117,388) (317,688) (50,084) (8,538) (9,547) (5,644) (33,330) (27,448) (134,591) (2,932,647) (970,293) (857,289) (2,874,178) (944,210) (247,246) (8,825,863) 28,692 1,085,219 (2,650,331) 89,891 (435,927) (1,079,783) 1,790,247 1,877, , 交通银行股份有限公司

215 ,293 96, ,147 66,514 20,562 16,754 32, , ,237 89, , ,801 26, ,940 4,732 2,723 8,372 2, ,015 28, ,182 38, , ,739 1,186,191 1,017,982 1,557,492 4,813, ,953 5,089 7,750 11,333 48,142 39,161 39, , ,277 44, ,886 1,142, ,159 1,960,312 6,927 25,798 20,695 76, ,563 45, , ,088 42, ,830 18,771 3, ,625 40,381 1,083, , , ,098 1,847,554 2,623,009 2,201,952 9,457,606 (57,615) (67,702) (315,738) (441,055) (484,048) (80,085) (92,685) (305,276) (1,009) (963,103) (190,977) (106,884) (77,145) (10,790) (385,796) (885) (2,869) (5,494) (8,183) (11,034) (28,465) (4,705) (2,713) (11,186) (4,102) (1,360) (24,066) (25,386) (11,734) (25,682) (6,634) (69,436) (2,490,821) (622,357) (645,611) (1,241,721) (965,506) (19,990) (5,986,006) (57,442) (53,344) (363,455) (9,189) (483,430) (3,906) (24,423) (112,363) (113,053) (253,745) (58,793) (26,080) (13,876) (2,011) (26,745) (5,961) (133,466) (3,034,547) (1,067,516) (1,003,949) (2,374,820) (1,147,372) (140,364) (8,768,568) 40,381 1,083,261 (2,823,800) (123,912) (496,851) (527,266) 1,475,637 2,061, ,038 二零一九年半年度报告 A 股 213

216 , , ,960 81,135 34,169 15,664 18, , ,521 71, , ,434 21, ,788 5,447 6,758 13,915 2, , , ,128 29, , ,844 1,174,810 1,002,139 1,440,776 4,556, ,016 8,232 7,241 9,763 46,859 57,741 49, , ,064 51, ,066 1,177, ,508 1,982,351 5,724 9,034 21,533 63, ,578 35, , ,652 34, ,712 1, ,594 30,904 1,005, ,507 1,051, ,659 1,744,835 2,598,835 2,038,100 9,147,793 (53,648) (76,716) (389,769) (520,133) (458,466) (98,765) (141,112) (416,743) (833) (5,128) (1,121,047) (91,419) (77,799) (127,695) (20,656) (317,569) (865) (2,968) (5,801) (5,978) (7,497) (23,109) (5,022) (6,187) (15,228) (2,148) (216) (28,801) (102,185) (16,875) (9,809) (4,752) (133,621) (2,390,654) (533,999) (372,103) (1,600,293) (672,118) (75,566) (5,644,733) (40,849) (105,099) (203,014) (11,804) (360,766) (3,462) (126) (15,570) (113,089) (111,916) (244,163) (41,476) (7,101) (8,261) (2,429) (16,120) (3,647) (79,034) (2,891,461) (939,418) (810,079) (2,786,528) (849,017) (196,473) (8,472,976) 30,904 1,005,197 (2,644,954) 112,338 (378,420) (1,041,693) 1,749,818 1,841, , 交通银行股份有限公司

217 ,655 22,912 2,450 59, , , ,638 2, , , ,278 1, , , ,066 1,292, ,328 4,036 1,433,920 27,892 21,417 9,131 58, , , ,618 1, , , ,382 3, , , ,550 1,315, ,153 13,017 1,456, ,344 22, , , , ,537 2, , , ,256 1, , , ,029 1,289, ,161 2,380 1,429,327 25,482 21,317 7,343 54, , , ,512 1, , , ,297 3, , , ,487 1,305, ,968 11,200 1,444,964 二零一九年半年度报告 A 股 215

218 (1) (2) (3) 216 交通银行股份有限公司

219 30, , , ,179 44, , , , , ,056 7, ,868 18, , ,064 1,060,587 52,870 1,280,521 (28,465) (28,465) (23,956) (23,956) (23,902) (23,902) (76,323) (76,323) 7, ,923 19, , , , , ,755 5, ,018 29, , , ,586 26,748 1,036,812 (23,109) (23,109) (28,105) (28,105) (16,537) (16,537) (67,751) (67,751) 二零一九年半年度报告 A 股 217

220 , ,716 19, , , ,673 93, ,071 5, ,396 19,015 19,015 98, ,459 25,600 1,112,088 (28,465) (28,465) (24,066) (24,066) (23,902) (23,902) (76,433) (76,433) 6, ,372 6, , , , , ,838 4, ,922 29,447 29, , ,816 11, ,904 (23,109) (23,109) (28,801) (28,801) (16,537) (16,537) (68,447) (68,447) 218 交通银行股份有限公司

221 , , ,248 (1) 1, ,472 27,650 (107) (12) (1,507) (46) (54) (2,101) (494) , , (1) , , ,107 (180) (102) (212) (102) 4, , (1,016) (433) (6,337) 5, , (213) (102) (110) 二零一九年半年度报告 A 股 219

222 , , (1) ,002 15,000 (12) (2,101) , , (1) ,318 (178) (102) (193) (102) 3, ,444 (6,309) 4, , (193) 交通银行股份有限公司

223 ,978,430 2,006,887 2,000,505 2,013,818 1,978,430 2,006,887 2,000,505 2,013,818 (314,070) (317,311) (301,151) (304,328) (314,070) (317,311) (301,151) (304,328) ,960,312 1,988,549 1,982,351 1,994,771 1,960,312 1,988,549 1,982,351 1,994,771 (229,843) (232,113) (227,626) (229,486) (229,843) (232,113) (227,626) (229,486) ,921 1,809, ,037 2,006,887 8,921 1,809, ,037 2,006,887 (317,311) (317,311) (317,311) (317,311) 二零一九年半年度报告 A 股 221

224 ,022 1,793, ,146 2,013,818 14,022 1,793, ,146 2,013,818 (304,328) (304,328) (304,328) (304,328) ,705 1,809, ,322 1,988,549 7,705 1,809, ,322 1,988,549 (232,113) (232,113) (232,113) (232,113) 12,794 1,792, ,178 1,994,771 12,794 1,792, ,178 1,994,771 (229,486) (229,486) (229,486) (229,486) 交通银行股份有限公司

225 补充资料 (89) (76) (14) (5) (2008) [2014] % % 二零一九年半年度报告 A 股 223

226 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 , , , , , , ,676 19, ,496 39, ,013,630 5,013, , , ,978,430 1,963, , , ,384 10, , , ,505 1, ,125 23, ,568 1, ,927 75, ,886,608 9,841, , , , , , , ,465 28, ,493 75, ,135,448 6,137, ,956 23, , , ,054 4, ,982 10, ,245 5, , , ,162,860 9,119, ,263 74, ,876 59, , , ,751 4, , , , , , , ,258 4, , , 交通银行股份有限公司

227 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 2 802, , ,230 19,665 39,447 5,013, , a 207 b 22,208 c 1,963, , d 635 e 10,106 3,655 f 3,075 g 907 h 159,481 1,505 i 23,080 j 0 k 23,080 1,536 l 312 m 75,470 9,841,616 二零一九年半年度报告 A 股 225

228 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 2 441, , ,911 28,465 75,529 6,137,515 23, ,022 90,127 n 4,915 10, o 0 p 0 q 5, ,509 9,119,716 74,263 74,263 r 0 s 59,876 t 113,731 u 4,144 v 696 w (59) x 204,387 y 117,080 z 143,430 aa 4,989 1,526 ab 203 ac 364 ad 721, 交通银行股份有限公司

229 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 ,263 r 2 464,897 2a 204,387 y 2b 117,080 z 2c 143,430 aa 3 117,875 3a 113,731 u 3b 4,144 v ,526 ab 6 658, m-p 9 1,536 l-q 10 0 k 11 (59) x % a 3,655 f 26b 0 26c , , , ,876 t ac , 二零一九年半年度报告 A 股 227

230 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 3 41a 0 41b 0 41c , , ,127 n ad , , a 0 56b 0 56c , , ,011, ,021 b+c+d+e+g 73 1,567 a+h ,438 j-k-(o-p-q) 76 6, , , , , , 交通银行股份有限公司

231 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 XS XS ,498 97,534 27,975 8,203 3,882 14,924 44,952 29, ,012 39,251 28,000 1, ,450 45,000 30, /6/ /4/ /8/ /10/3 2014/10/3 2015/7/ /9/2 2017/4/ /8/ /10/3 2021/10/ /4/ % 54.5% % % % % 4.50% 二零一九年半年度报告 A 股 229

232 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 % (1) (2) H H H 5.125% (1) (2) A A A H A 交通银行股份有限公司

233 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 (1) (2) (1) (2) (1) (2) (1) (2) 二零一九年半年度报告 A 股 231

234 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 ,886,608 2 (44,992) , , ,145 7 (5,444) 8 10,594, ,727,472 2 (5,444) 3 9,722, , , , , , , ,637, (929,827) , , ,594, (%) 交通银行股份有限公司

235 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 ,731, ,588, , ,082 8, ,408, , ,052,234 1,825, ,246, , ,801,889 1,261, ,799 3, , ,472, , , , ,273 46, ,991 38, ,074,075 36, ,756, , , , , , , ,646,644 1,377, ,731, ,378, (%) 二零一九年半年度报告 A 股 233

236 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 < ,663 96, , ,663 70, , ,800 26, ,856 1,141,392 42,938 4,977 1,780, ,674 10,461 9,536 4, , ,182 1,130,931 33, ,413, ,074,218 3,049, , ,464 2,553, ,063, ,772 83,264 4,633 1,147, ,673 2,909, , ,831 1,405, ,159 56,462 50, , , , ,159 56,462 50, , , ,424, , ,480 31, , ,797 1,998,457 1,010,125 3,204,454 4,073, , , , , , , ,310, ,291 1,799,249 2,572, % 12,642 5,131 27,829 26, , , % 24 77,797 92,487 73, , , ,963 46,228 3,543 86, , ,624 14, ,486 2, ,701 2, ,105 5, ,339 46,228 3,543 53, , ,132,785 71, ,758, (%) 交通银行股份有限公司

237 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 < ,972 89, , ,972 69, , ,100 20, ,825 1,251,417 84,358 5,162 1,918, ,346 3,195 2,237 4, , ,479 1,248,222 82, ,572, ,095,332 3,120, , ,987 2,608, ,088, ,479 76,831 4,749 1,160, ,294 2,972, , ,238 1,447, ,670 60,837 15, , , , ,670 60,837 15, , , ,610, , ,199 1, , ,360 1,933, ,981 3,417,468 4,205, ,249 9, , ,845 86, , ,245, ,756 1,913,508 2,625, % 52,353 27,065 13,730 48, ,017, , % 24 89,359 47,899 21, , , ,253 38,439 2, , , ,771 14, ,744 1, ,337 1, ,859 4, ,482 38,439 2,727 83, , ,145,647 71, ,889, (%) 二零一九年半年度报告 A 股 235

238 资本充足率 杠杆率 流动性覆盖率和净稳定资金比例信息补充资料 < ,004 90, , ,004 70, , ,100 20, ,942 1,205, ,147 5,030 1,922, ,473 3,612 2,249 4, , ,469 1,201, , ,554, ,196,159 3,052, , ,328 2,698, ,189, ,476 59,642 6,097 1,205, ,878 2,901, , ,231 1,492, ,348 91,166 4, , , , ,348 91,166 4, , , ,697, , ,114 1, , ,349 1,929, ,935 3,504,443 4,282, ,779 1, , , , , ,300, ,852 1,943,319 2,645, % 49,890 11,572 12,549 38, ,038, , % 24 81,339 34,629 36, , , ,852 89,971 8,275 40, , ,579 41, ,761 1, , ,955 4, ,273 89,971 8,275 19, , ,175,200 91, ,024, % 交通银行股份有限公司