Financial Performance - Net profit attributable to shareholders for the first three quarters of 2023 was RMB 51.43 billion, a year-on-year increase of 9.19%[4] - Operating income for the first three quarters was RMB 155.95 billion, a decrease of 2.65% year-on-year[4] - The bank's profit attributable to shareholders for the third quarter of 2023 was RMB 15,366 million, an increase of 5.4% from RMB 14,579 million in the same period of 2022[34] - For the nine months ended September 30, 2023, the pre-tax profit was RMB 59,143 million, an increase of 5.4% compared to RMB 56,232 million for the same period in 2022[37] - The bank's basic earnings per share for the first nine months of 2023 were RMB 0.99, compared to RMB 0.90 in the same period of 2022[34] Assets and Liabilities - As of September 30, 2023, total assets reached RMB 8,922.03 billion, an increase of 4.38% compared to the end of 2022[3] - Total liabilities were RMB 8,198.57 billion, up 4.28% from the previous year[3] - The bank's total liabilities as of September 30, 2023, were RMB 8,198,567 million, an increase from RMB 7,861,713 million at the end of 2022[35] - The bank's total liabilities and equity reached RMB 8,922,023 million as of September 30, 2023, compared to RMB 8,547,543 million at the end of 2022, marking an increase of 4.4%[36] Loans and Advances - Total loans and advances amounted to RMB 5,465.23 billion, reflecting a growth of 6.06% year-on-year[3] - The balance of inclusive small and micro enterprise loans reached CNY 529.62 billion, up by CNY 83.62 billion, with a growth rate exceeding the overall loan growth by 11.24 percentage points[10] - The general corporate loan balance was CNY 2.49 trillion, an increase of CNY 186.56 billion, representing an 8.11% growth[11] - The balance of agricultural loans reached CNY 554.65 billion, increasing by CNY 67.72 billion since the beginning of the year[10] - The personal housing mortgage loans amounted to CNY 957.05 billion, an increase of CNY 12.961 billion compared to the end of the previous year[15] Customer Deposits - Customer deposits totaled RMB 5,456.28 billion, marking a 7.00% increase compared to the end of 2022[3] - Customer deposits increased by RMB 3,569.33 billion, with corporate and personal deposits rising by RMB 1,969.92 billion and RMB 1,599.41 billion respectively[8] - The number of personal customers increased to 134 million, with an addition of 7.04 million customers since the end of last year[12] Credit Quality - The non-performing loan (NPL) balance was CNY 66.801 billion, an increase of CNY 1.588 billion from the end of the previous year, with an NPL ratio of 1.22%, down 0.05 percentage points[16][17] - The provision coverage ratio increased to 209.51%, up 8.32 percentage points from the end of the previous year[16][17] - The total loan balance was CNY 5,465.228 billion, with normal loans accounting for 98.78% of the total[18] - The bank's credit impairment losses for the first nine months of 2023 were RMB 52,327 million, a decrease of 15% compared to RMB 61,626 million in the same period of 2022[33] Capital Adequacy - The core Tier 1 capital adequacy ratio was 8.81%, an increase of 0.07 percentage points from the end of the previous year[19] - The total capital adequacy ratio was 12.65%, a decrease of 0.53 percentage points from the end of the previous year[19] - The leverage ratio stood at 6.61%, well above the regulatory requirement of 4.25%[21] Liquidity - The liquidity coverage ratio as of September 30, 2023, is 143.64%, down from 168.03% as of December 31, 2022[22] - The amount of high-quality liquid assets decreased to 995,507 million from 1,087,933 million year-over-year[22] - The net cash outflow for the next 30 days increased to 693,080 million from 647,452 million year-over-year[22] Shareholder Information - The total number of common shareholders as of the reporting period is 137,079, with 110,465 being A-share holders and 26,614 being H-share holders[23] - China CITIC Financial Holdings Limited holds 31,406,992,773 shares, representing 64.14% of total shares[24] - The top ten common shareholders collectively hold 65.93% of the total shares, with China CITIC Financial Holdings being the largest[25] - The total number of preferred shareholders is 37, with the largest holding being China Mobile Communications Group Co., Ltd. at 43,860,000 shares, representing 12.53%[27] Operational Highlights - The total transaction volume of the "Financial Interbank+" platform reached CNY 1.31 trillion, a year-on-year increase of 98.74%[12] - The bank provided discount financing services to 13,342 enterprises, with 9,272 being small and micro enterprises, accounting for 69.49% of the total[12] - The bank's net fee and commission income for the first nine months of 2023 was RMB 26,991 million, slightly down from RMB 27,354 million in the same period of 2022[33] Management Changes - The bank appointed Fang Heping as chairman and Liu Cheng as president, effective August 3, 2023[30]

Financial Performance - Operating income for the first half of 2023 reached RMB 105.885 billion, with a net profit of RMB 36.067 billion, reflecting a net profit growth rate of 10.89%[6] - Total profit increased by 9.44% to RMB 42,367 million in the first half of 2023, up from RMB 38,711 million in the first half of 2022[11] - Net profit attributable to shareholders was RMB 36,067 million, reflecting a growth of 10.89% from RMB 32,524 million in the previous year[11] - Operating income for the first half of 2023 was RMB 105,885 million, a decrease of 2.16% compared to RMB 108,218 million in the same period of 2022[11] - The net cash flow from operating activities was negative at RMB (123,018) million, compared to a positive RMB 36,219 million in the first half of 2022[11] - Basic earnings per share increased to RMB 0.70, an 11.11% rise from RMB 0.63 in the same period last year[11] Asset Quality - The non-performing loan ratio was reported at 1.21%, with a provision coverage ratio of 208.28%[6] - The non-performing loan ratio improved to 1.21% as of June 30, 2023, down from 1.27% at the end of 2022[15] - The provision coverage ratio increased to 208.28%, up from 201.19% at the end of 2022[15] - The non-performing loan balance decreased to RMB 64.850 billion, down by 0.56% year-on-year[26] - The non-performing loan balance was RMB 64.850 billion, a decrease of RMB 3.63 billion from the end of the previous year, with a non-performing loan ratio of 1.21%, down 0.06 percentage points[93] Customer Engagement - The number of online monthly active users was 34.5086 million, showcasing significant customer engagement[6] - The number of individual customers reached 132 million, reflecting a growth of 3.58% year-on-year[152] - The number of basic retail customers surpassed 16.2 million, increasing by 2.98% from the previous year[153] - The number of affluent and VIP clients reached 4.2116 million, an increase of 5.97% compared to the end of the previous year[154] - The number of private banking clients reached 70,900, an increase of 6.03% year-over-year, with average managed assets of 992.484 billion yuan, up 4.29%[154] Capital and Liquidity - The capital adequacy ratio stood at 13.22%, slightly up from 13.18% at the end of 2022[17] - The leverage ratio improved to 6.70%, compared to 6.59% at the end of 2022[17] - The liquidity coverage ratio was 136.16%, down from 168.03% at the end of 2022[17] - The net amount of core Tier 1 capital increased to RMB 579.650 billion, reflecting a growth of 5.04% compared to the end of 2022[106] Loan Growth - Total loans and advances amounted to RMB 5,380,101 million, reflecting a growth of 4.41% compared to the end of 2022[14] - The company's loan balance (excluding discounted bills) was RMB 27,402.86 billion, an increase of 8.57% from the previous year, while personal loans increased by 4.46% to RMB 22,112.91 billion[80] - The total loan amount was RMB 5,380.10 billion, an increase of RMB 227.33 billion compared to the end of the previous year, indicating a stable improvement in asset quality[119] Risk Management - The company is committed to enhancing risk management capabilities, focusing on key areas and quality clients to optimize credit structure[22] - The company has taken targeted measures to mitigate risks and manage non-performing loans effectively, resulting in a controlled change in non-performing loan dynamics[94] - The bank's risk management system facilitated the collaborative handling of debt principal totaling CNY 5.4 billion during the reporting period[133] Technology and Innovation - The company has increased its technology investment, integrating AI, big data, blockchain, and IoT into various business areas to drive digital transformation[23] - The bank's self-developed low-code service orchestration platform was rated as "Advanced Level" by the China Academy of Information and Communications Technology[131] - The bank's investment brain system won the "Best Wealth and Asset Management Project" award from Asian Banker in 2023[131] Wealth Management - The bank's wealth management strategy focuses on customer-centric and value-driven approaches, enhancing service capabilities across various customer segments[124] - The company's wealth management products reached a scale of CNY 1,594.573 billion, an increase of CNY 17.496 billion compared to the end of the previous year, with new product scale at CNY 1,529.074 billion, accounting for 95.89% of the total[128] - The asset management business reported a revenue of CNY 3.635 billion during the reporting period, maintaining a strong position as the second-ranked national wealth management institution according to Puyiyuan's comprehensive wealth management capability ranking[128] Corporate Banking - The company's corporate banking business achieved a net operating income of CNY 43.231 billion, a year-on-year decrease of 4.30%, accounting for 43.71% of the bank's total operating income, down 0.87 percentage points from the previous year[134] - The total number of corporate clients reached 1.0955 million, an increase of 58,200 clients compared to the end of the previous year, with effective clients increasing by 6,600 to 470,000[135] International Operations - The London branch's total assets reached 3.554 billion USD, a 10.90% increase year-over-year, with operating income of 16.95 million USD, up 13.21% year-over-year, and net profit of 16.94 million USD, reflecting a 138.34% increase[182] - The Hong Kong branch received its license on June 8, 2023, aiming to become a key platform for the bank's international strategy, focusing on compliance and risk management[183] Regulatory Compliance - The company emphasizes the importance of accounting estimates and assumptions in financial reporting, particularly in areas such as expected credit loss measurement and financial asset classification[108] - The bank has maintained compliance with regulatory requirements regarding borrower concentration risk[89]

Financial Performance - CITIC Bank reported a net profit of RMB 30.5 billion for the first half of 2023, representing a year-on-year increase of 5.2%[2] - Total profit for the first half of 2023 reached RMB 42,367 million, an increase of 9.44% from RMB 38,711 million in the first half of 2022[10] - Net profit attributable to shareholders for the first half of 2023 was RMB 36,067 million, up 10.89% from RMB 32,524 million in the same period of 2022[10] - Operating income for the first half of 2023 was RMB 105,885 million, a decrease of 2.16% compared to RMB 108,218 million in the same period of 2022[10] - Basic earnings per share for the first half of 2023 were RMB 0.70, an increase of 11.11% from RMB 0.63 in the same period of 2022[10] - The average return on total assets (ROAA) for the first half of 2023 was 0.85%, up from 0.81% in the first half of 2022[10] - The average return on equity (ROAE) for the first half of 2023 was 12.32%, an increase from 11.99% in the same period of 2022[10] - The cost-to-income ratio (excluding taxes and surcharges) for the first half of 2023 was 26.64%, up from 24.33% in the first half of 2022[10] Asset and Deposit Growth - The bank's total assets reached RMB 6.5 trillion as of June 30, 2023, up 8.1% compared to the end of 2022[3] - Customer deposits increased by 6.5% to RMB 5.2 trillion during the reporting period[3] - Total assets as of June 30, 2023, reached RMB 8,833,297 million, an increase of 3.34% from RMB 8,547,543 million at the end of 2022[12] - Customer deposits totaled RMB 5,534,683 million, marking an increase of 8.54% from RMB 5,099,348 million at the end of 2022[12] - The bank's equity attributable to shareholders increased to RMB 690,336 million as of June 30, 2023, up 3.74% from RMB 665,418 million at the end of 2022[12] Loan and Credit Quality - The non-performing loan (NPL) ratio remained stable at 1.5%, indicating effective risk management[3] - The non-performing loan ratio improved to 1.21% as of June 30, 2023, down from 1.27% at the end of 2022[13] - The provision coverage ratio increased to 208.28% as of June 30, 2023, compared to 201.19% at the end of 2022[13] - The credit cost for the first half of 2023 was 1.05%, a decrease from 1.28% in the same period of 2022[10] - The non-performing loan balance was CNY 64.850 billion, a decrease of 0.56% year-on-year, with a non-performing loan ratio of 1.21%[24] Risk Management - The company emphasizes risk management, continuously improving its risk management system to ensure effective risk control and enhance risk-return optimization [19] - The bank's credit risk management focuses on maintaining stable asset quality and increasing the proportion of high-quality clients, with a goal of controlling credit risk within acceptable limits[179] - The bank has established a comprehensive liquidity risk management framework to ensure liquidity needs are met in a timely manner at reasonable costs[184] - The liquidity coverage ratio stands at 136.16%, exceeding the regulatory minimum by 36.16 percentage points, indicating strong capacity to withstand short-term liquidity risks[186] Digital Transformation and Innovation - CITIC Bank plans to expand its digital banking services, aiming for a 20% increase in online customer engagement by the end of 2024[3] - The company has a strong focus on technology-driven innovation, investing in AI, big data, blockchain, and IoT to enhance its competitive edge [20] - The company aims to enhance its digital transformation and operational efficiency through a cloud-native technology framework [20] - The mobile banking app achieved 15.89 million monthly active users, with total assets of 88.45 billion CNY, an increase of 6.84 billion CNY compared to the end of last year[161] Strategic Initiatives - CITIC Bank is focusing on strategic partnerships to enhance its market presence in Southeast Asia[3] - The company aims to become the best comprehensive financial service provider with a vision of being "responsible, warm, distinctive, and valuable" [18] - The company promotes a collaborative ecosystem, focusing on capital markets, technological innovation, and green development to drive high-quality growth [19] International Expansion - The bank's overseas presence includes 31 branches and 2 business centers in locations such as Hong Kong and New York, with plans for further expansion[160] - The London branch's total assets reached 3.55 billion USD, a growth of 10.90% year-on-year, with operating income of 16.95 million USD, up 13.21%[167] Wealth Management and Customer Service - The wealth management strategy focuses on a "customer-centric" approach, enhancing service systems for various customer segments, including mass, affluent, and private banking clients[111] - The bank's private banking business has a total business scale exceeding 80 billion yuan, with a family trust business scale exceeding 60 billion yuan[143] - The number of personal customers reached 132 million, an increase of 3.58% compared to the end of the previous year[136] Compliance and Internal Control - The company has focused on compliance management by continuously promoting the internalization of key regulatory policies and enhancing compliance review for innovative businesses[194] - The company has established 81 assessment units and 262 assessment indicators for money laundering risk self-assessment, covering five dimensions: customers, products, accounts, channels, and regions[196]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內容而引致之任何損 失承擔任何責任。 （在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 2 0 2 3年 第 一 季 度 報 告 中信銀行股份有限公司（「本行」或「公司」）董事會（「董事會」）宣布本行及其附屬公司（「本 集團」）截至2023年3月31日止第一季度（「報告期」），根據國際財務報告準則編製的未經審 計業績。本公告乃根據《證券及期貨條例（》香港法例第571章）第XIVA部及《香港聯合交易 所有限公司證券上市規則》第13.09條的要求做出。 本報告以中英文編製，如中英文文本有任何不一致，以中文文本為準。 重要內容提示： 本行董事會、監事會及董事、監事、高級管理人員保證《中信銀行股份有限公司二零 二三年第一季度報告》（簡稱「2023年第一季度報告」或「本報告」）內容的真實、準確、完 整，不存在虛假記載、誤導性陳述或者重大遺漏，並承擔個別和連帶的法律責任。 ...

中信銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） 股份代號：0998 ...

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香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因依賴該等內容而引致的任何損 失承擔任何責任。 （在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 截至2022年 12月 31日止年度 末期業績公告 中信銀行股份有限公司（「本行」）董事會（「 董事會」）欣然宣佈本行及其附屬機構（「本集 團」）截至2022年12月31日止年度的末期業績。本業績公告列載本行截至2022年12月31 日止年度之末期報告全文，其內容是根據適用的《香港聯合交易所有限公司證券上市規 則》（「香港上市規則」）披露要求編製。本集團編製的截至2022 年12月31日止年度的末期 財務信息已經羅兵咸永道會計師事務所根據香港審閱準則審閱。本行董事會之審計與關 聯交易控制委員會已審閱此末期業績。本業績公告於本行的網站(www.citicbank.com)及 香港聯合交易所有限公司的網站(www.hkexnews.hk)發佈。本行將於適當時候向股東寄 發截至2022年12月31日止年度的末期報告，並在上述網站可供查詢。 暫停 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內容而引致之任何損 失承擔任何責任。 （在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 2022 年第三季度報告 中信銀行股份有限公司（「本行」或「公司」）董事會（「董事會」）宣布本行及其附屬公司（「本 集團」）截至2022年9月30日止第三季度（「報告期」），根據國際財務報告準則編製的未經審 計業績。本公告乃根據《證券及期貨條例》（香港法例第571章）第XIVA部及《香港聯合交易 所有限公司證券上市規則》第13.09條的要求做出。 本報告以中英文編製，如中英文文本有任何不一致，以中文文本為準。 重要內容提示： 本行董事會、監事會及董事、監事、高級管理人員保證《中信銀行股份有限公司二零 二二年第三季度報告》（簡稱「2022年第三季度報告」或「本報告」）內容的真實、準確、完 整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本行董事長、非執行董事朱鶴新，副董事長、執行董事、行長方合英，副行長、財務 總監王 ...

¶D中信银行 CITIC BANK (於中華人民共和國註冊成立的股份有限公司) 股份代號：0998 努力做您的 最佳綜合金融 服 務 提 供 者 中 期 報 告 重要提示 本行董事會、監事會及董事、監事、高級管理人員保證本行2022年半年度報告內容的真實、準確、完整，不存在虛假記 載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本行董事會會議於2022年8月25日審議通過了本行2022年半年度報告全文及摘要，會議應出席董事11名，實際出席董事11 名，其中劉成董事因公務委託郭黨懷董事代為出席和表決。本行監事和高級管理人員列席了本次會議。 本行2022年上半年不進行利潤分配，也不進行公積金轉增股本。 本行根據中國會計準則和國際財務報告準則編製的2022年中期財務報告，已經普華永道中天會計師事務所（特殊普通合夥） 和羅兵咸永道會計師事務所分別根據中國和香港審閱準則審閱。 本行董事長、非執行董事朱鶴新，副董事長、執行董事、行長方合英，副行長、財務總監王康，財務會計部負責人薛鋒 慶，聲明並保證本行2022年半年度報告中財務報告的真實、準確、完整。 前瞻性陳述的風險提示：本報告中涉及的未來計劃、發展戰略等前瞻性 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內容而引致之任何損 失承擔任何責任。 （在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 2022 年第一季度報告 中信銀行股份有限公司（「本行」或「本公司」）董事會（「董事會」）宣布本行及其附屬公司 （「本集團」）截至2022年3月31日止第一季度（「報告期」），根據國際財務報告準則編製的未 經審計業績。本公告乃根據《證券及期貨條例》（香港法例第571章）第XIVA部及《香港聯合 交易所有限公司證券上市規則》第13.09條的要求做出。 本報告以中英文編製，如中英文文本有任何不一致，以中文文本為準。 重要內容提示 本行董事會、監事會及董事、監事、高級管理人員保證《中信銀行股份有限公司二零二 二年第一季度報告》（簡稱「2022年第一季度報告」「本報告」或「報告」）內容的真實、準確、 完整，不存在虛假記載、誤導性陳述或者重大遺漏，並承擔個別和連帶的法律責任。 本行董事長、非執行董事朱鶴新，副董事長、執行董事、行長方合英，副行長、財 ...