中信银行股份有限公司 二〇二五年第一季度报告 （A股 股票代码 601998） 2025年4月29日 证券代码：601998 证券简称：中信银行 公告编号：临2025-038 中信银行股份有限公司 2025 年第一季度报告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者 重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 本行董事会、监事会及董事、监事、高级管理人员保证《中信银行股份有限公司 二〇二五年第一季度报告》（简称"2025 年第一季度报告"或"本报告"）内容的真 实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的 法律责任。 本行董事长、执行董事方合英，行长（主管财会工作负责人）芦苇，财务会计部 负责人康超，声明并保证 2025 年第一季度报告中财务信息的真实、准确、完整。 本报告中的财务报表按照中国会计准则编制且未经审计。 本报告中"本行"指中信银行股份有限公司，"本集团"指中信银行股份有限公 司及其附属公司。 本报告除特别说明外，金额币种为人民币。 1 中信银行 2025 年第一季度报告 一、 公司基本情况 | 董事会秘书 | ...

（於中華人民共和國註冊成立的股份有限公司） 股份代號：0998 年度報告 2024 本年度報告由可循環再造紙印刷 地址 : 北京市朝陽區光華路10號院1號樓6-30層、32-42層 郵編 : 100020 投資者熱線 : +86-10-66638188 投資者電子信箱 : ir@citicbank.com 網址 : www.citicbank.com 中信銀行股份有限公司年度報告 2024 公司簡介 本行成立於1987年，是中國改革開放中最早成立的新興商業銀行之一，是中國最早參與國內外金融市場融資的商業銀行， 並以屢創中國現代金融史上多個第一而蜚聲海內外，為中國經濟建設作出了積極貢獻。2007年4月，本行實現在上海證券 交易所和香港聯合交易所A+H股同步上市。 本行依託中信集團「金融+實業」綜合稟賦優勢，以全面建設「四有」1 銀行、跨入世界一流銀行競爭前列為發展願景，堅持誠 實守信、以義取利、穩健審慎、守正創新、依法合規，以客戶為中心，通過實施「五個領先」2 銀行戰略，打造有特色、差異 化的中信金融服務模式，向政府與機構客戶、企業客戶和同業客戶提供公司銀行業務、投資銀行業務、國際業務、交易銀 行業務、託管業務 ...

未来，中信银行北京分行将以本次活动为契机，依托中信集团协同资源，不断丰富客户服务场景，持续 提升金融服务水平，全力为科技型企业提供精准、高效、多元化的金融支持，不断提升服务实体经济效 能，为经济高质量发展贡献力量。 景龙副行长对参会企业表示诚挚欢迎，详细阐释了科技金融在中信银行北京分行发展中的战略地位，介 绍了分行的专业能力和服务优势。他在发言中表示，中信银行北京分行将依托集团资源，充分发挥协同 优势，联合中信数科等集团子公司，打造"股-债-贷-保"一站式综合金融服务体系，为科技企业提供全生 命周期支持。 近日，北京专精特新商会首个算力创新联合体签约仪式暨算力创新研讨会在中信银行北京分行圆满举 办。中信数科、中科方德、中经数科作为算力创新联合体共同发起方及40余家专精特新企业主要负责人 受邀参加本次会议。中信银行北京分行党委委员、副行长景龙出席本次活动。 算力创新联合体以"让算力触手可及"为使命，通过降低算力成本，使政府、央国企、中小企业和科研机 构能够更便捷地获取算力资源，将推动算力普惠与产业升级，打造国内领先的算力创新高地。 会上，中信银行北京分行投资银行部向参会企业详细介绍了针对科技企业提供的综合融资服 ...

证券代码：601998 证券简称：中信银行 公告编号：临 2025-037 中信银行股份有限公司 关于 2025 年绿色金融债券（第一期）（债券通） 发行完毕的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 根据中国人民银行《准予行政许可决定书》（银许准予决字〔2025〕第5号）， 中信银行股份有限公司（以下简称"本行"）获准发行金融债券，2025年金融债 券新增余额不超过600亿元，年末金融债券余额不超过4,000亿元。本行此次发行 的2025年绿色金融债券（第一期）（债券通）（以下简称"本期债券"）已于2025 年4月25日簿记建档，并于2025年4月28日在全国银行间债券市场发行完毕。 本期债券发行规模为人民币50亿元，品种为3年期固定利率债券，票面利率 为1.67%。本期债券的募集资金将依据适用法律和监管部门的批准，用于《绿色 债券支持项目目录（2021年版）》规定的绿色产业项目。 特此公告。 中信银行股份有限公司董事会 2025 年 4 月 28 日 ...

Group 1 - The core strategy of CITIC Bank Beijing Branch is to become a leading transaction settlement bank, integrating transaction settlement services into the capital's economic landscape to support high-quality development [1][5] - In 2024, CITIC Bank Beijing Branch aims to enhance transaction settlement capabilities, with a significant increase in transaction settlement scale, achieving a 107% growth in active settlement customers and a 65% increase in new settlement product signings [2] - The bank is focusing on building a comprehensive service ecosystem that covers the entire transaction cycle for enterprises, enhancing supply chain financial innovation, and launching scenario-based financing products in key sectors [2] Group 2 - CITIC Bank is upgrading its digital service platforms, including multiple iterations of its corporate online banking and Tianyuan Treasury systems, to improve service capabilities and customer experience [3] - The introduction of the Tianyuan Butler platform aims to integrate various business services for SMEs, effectively reducing operational costs and enhancing information capabilities [3] - The bank has established a transaction settlement experience center to optimize customer service experience, providing immersive product demonstrations and consultations [4] Group 3 - CITIC Bank Beijing Branch emphasizes the importance of service experience in transaction settlement processes, with a focus on creating a "process bank" to enhance service standards and operational efficiency [4][5] - The bank's strategic implementation path includes six major systems to improve comprehensive service capabilities in transaction settlement [4] - The commitment to the "five leading" banking strategy aims to align transaction settlement services with the needs of the capital's economy, enhancing responsiveness and collaboration [5]

Core Viewpoint - CITIC Bank has received regulatory approval for Lu Wei's appointment as the new president, effective from April 21, 2025, marking a significant leadership transition within the bank [2][3]. Group 1: Leadership Transition - Lu Wei has been approved by the National Financial Regulatory Administration to serve as the president of CITIC Bank, following a board meeting on February 20, 2025, where his appointment was approved [2]. - Lu Wei is a seasoned financial executive cultivated within the CITIC system, previously serving as one of the youngest vice presidents of CITIC Bank, with 26 years of cross-sector management experience [2][3]. Group 2: Career Background - Lu Wei's career at CITIC Bank began in January 1997, progressing through various roles including branch manager and general manager of key departments, culminating in his recent positions as general manager and chairman of CITIC Trust [3]. - In 2025, Lu Wei returned to CITIC Bank as deputy secretary of the party committee before taking on the role of president [3]. Group 3: Financial Performance - In 2024, CITIC Bank achieved stable growth, with total assets surpassing 9.5 trillion yuan, a 5.31% increase from the previous year [3]. - The bank reported a revenue of 213.646 billion yuan in 2024, reflecting a 3.76% year-on-year growth, and net interest income of 146.679 billion yuan, up by 2.19% [3]. - CITIC Bank's net interest margin reached 1.77% in 2024, maintaining a leading position in the industry for the third consecutive year [3].

证券代码：601998 证券简称：中信银行 公告编号：临2025-036 中信银行股份有限公司 中信银行股份有限公司董事会 2025年4月22日 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中信银行股份有限公司（简称"本行"）于2025年2月20日召开的董事会会 议审议通过《关于聘任芦苇先生为中信银行股份有限公司行长的议案》。近日， 本行收到《国家金融监督管理总局关于芦苇中信银行行长任职资格的批复》（金 复〔2025〕251号），国家金融监督管理总局已核准芦苇先生本行行长的任职资 格。芦苇先生自2025年4月21日起正式就任本行行长。 芦苇先生的简历及其他根据有关法律法规须予披露的信息请参见本行于 2025年2月21日刊载于上海证券交易所网站（www.sse.com.cn）和本行网站 （www.citicbank.com）的相关公告。 本行董事会对芦苇先生就任本行行长表示欢迎。 特此公告。 关于行长任职资格获核准的公告 ...

Core Viewpoint - Citic Bank's Guiyang Branch actively responds to national policies by establishing a comprehensive financing coordination mechanism to address the financing difficulties faced by small and micro enterprises, thereby supporting the high-quality development of the real economy [1][3]. Policy Support - The branch has developed targeted financing support policies for small and micro enterprises, setting clear loan issuance targets and assessment mechanisms to prioritize resources for these businesses [1]. - A cross-departmental coordination mechanism has been established, involving corporate banking, risk management, and credit approval departments to optimize the entire financing service experience for small and micro enterprises [1][2]. - Collaboration with government departments, guarantee institutions, and industry associations has been strengthened to create a diversified financing service platform for small and micro enterprises [1]. Service Optimization - The "Entering Ten Thousand Enterprises - Trust and Benefit Enterprises" initiative has been launched, which utilizes the coordination mechanism to provide precise financing solutions for small and micro enterprises [2]. - During the initiative, over 1,000 enterprises were visited, and financing needs amounting to 760 million yuan were collected, leading to rapid responses to financing challenges and streamlined approval processes [2]. - A specific case involved a small micro enterprise in the liquor industry that received a tailored financing solution within one day due to the initiative's coordination efforts [2]. Product Innovation - Citic Bank's Guiyang Branch has introduced a series of specialized financial products tailored to the actual needs of small and micro enterprises, such as "Science and Technology e-Loan" and "Property Mortgage e-Loan" [2]. - The branch employs digital tools, including big data analysis and artificial intelligence, to enhance service efficiency and optimize risk assessment models for quick approval and disbursement [2]. Achievements - As of the first quarter of 2025, the loan balance for small and micro enterprises at Citic Bank's Guiyang Branch increased by 8.4% compared to the previous year, with a low non-performing loan rate and stable asset quality [3]. - The financing coordination mechanism has received high recognition from clients, and the branch plans to continue enhancing this mechanism and innovating products and services to support the growth of more small and micro enterprises [3].

Group 1 - The article highlights the increasing threat of telecom network fraud, which employs methods such as "technical disguise, chain operation, and scenario penetration" to jeopardize public financial security and stability [1] - CITIC Bank's Changsha branch has optimized its risk warning and prevention mechanisms, successfully blocking multiple suspicious transactions through police cooperation and aiding in the arrest of criminal suspects [1] - A specific case is mentioned where a bank staff member identified a potential fraud situation involving a customer attempting to transfer funds to a personal account instead of a law firm, leading to immediate intervention and prevention of financial loss [1] Group 2 - CITIC Bank's Xiangtan branch staff noticed unusual cash withdrawal patterns that matched characteristics of money laundering, leading to a successful interception of over ten thousand yuan and the arrest of a suspect [2] - The bank's staff in Chenzhou actively cooperated with police to analyze and report suspicious transactions, contributing to financial stability and receiving recognition from local law enforcement [2] - The article emphasizes the commitment and professionalism of CITIC Bank's staff in safeguarding customers' finances and their ongoing efforts to enhance police-bank collaboration for financial security [2]

Core Viewpoint - China CITIC Bank Zhengzhou Branch actively supports small and micro enterprises (SMEs) in response to national policies, enhancing financing coordination mechanisms to drive regional economic development [1][2]. Group 1: Financing Support for SMEs - As of March 2025, China CITIC Bank Zhengzhou Branch has provided credit to 8,175 SMEs, totaling 11.9 billion yuan in credit and 10.8 billion yuan in loans, demonstrating effective implementation of financing coordination mechanisms [1]. - The bank established a dedicated task force led by top management to ensure efficient response and precise service for SMEs, with all eight secondary branches and 82 outlets participating [1][2]. - A specific case highlighted the bank's quick response, where a wood door company in Xinyang received a 2 million yuan credit loan within three days to alleviate financial difficulties [1]. Group 2: Innovative Financial Solutions - The bank emphasizes innovation by tailoring financial solutions for SMEs, implementing a "Five Special, Five Strengthen" model to address diverse needs across different industries [2]. - Financial product innovations reflect the bank's deep understanding of SMEs' financial requirements, transitioning from merely providing funds to fostering sustainable financial growth [2]. - The bank conducts extensive outreach through the "Thousand Enterprises, Ten Thousand Households" initiative, delivering inclusive financial policies directly to enterprises and industrial parks [2]. Group 3: Future Directions - Moving forward, China CITIC Bank Zhengzhou Branch plans to enhance the financing coordination mechanism, improve response times, and expand service offerings, leveraging financial technology to empower SMEs [3].