在推进宣传的过程中，中信银行鄂尔多斯分行坚持"应降尽降、应免尽免"原则，针对小微企业及个体工 商户推出账户管理费、电子银行服务费等多项费用减免措施。通过系列举措，有效提升了政策知晓度， 进一步增强了金融服务的可得性与普惠性。 中信银行鄂尔多斯分行相关负责人表示，将持续深化减费让利工作，动态优化服务方案，以更精准的宣 传、更实在的优惠，为支持实体经济发展贡献力量。（李贺） 编辑：张震 转自：新华财经 近期，中信银行鄂尔多斯分行立足金融机构社会责任，以"支付降费 让利于民"为切入点，开展宣传与 惠民服务。 该行以网点为阵地，通过在营业网点张贴降费公告，摆放价目表、宣传折页、宣传海报、一句话宣传标 语的方式，引导客户用好政策。同时，该行在大厅设置专岗人员为客户答疑解惑，针对客户关心的开户 费、汇款手续费等优惠情况详细介绍，面对面向客户进行政策宣导。 ...

Core Viewpoint - The article highlights the initiatives taken by China CITIC Bank's Beijing branch to enhance public awareness and prevention capabilities against telecom and online fraud through various community engagement activities [1][5]. Group 1: Community Engagement Activities - China CITIC Bank Beijing branch organized a "National Anti-Fraud Action Month" to promote fraud awareness among citizens, emphasizing the theme "Anti-Fraud is a Mandatory Course" [1]. - The bank conducted specialized training for new employees at the Central Party School, using real case studies to explain various fraud methods and distributing over 100 promotional materials [2]. - A collaboration with a military family compound focused on educating the elderly about pension fraud, distributing over 200 informational materials and analyzing typical scams [3]. Group 2: Corporate and Employee Protection - The bank's Oak Bay branch integrated anti-fraud services with payroll card issuance, providing practical fraud prevention advice and distributing over 150 anti-fraud handbooks to employees [4]. - The bank's CITIC City branch partnered with local community committees and police to conduct interactive anti-fraud activities, distributing over 200 promotional materials and assisting residents, especially the elderly, in installing the National Anti-Fraud Center App [5]. Group 3: Future Initiatives - China CITIC Bank Beijing branch plans to continue innovating anti-fraud promotional methods, increasing resource investment, and deepening collaboration to strengthen public understanding of fraud prevention as a lifelong learning topic [5].

"信用卡不香了""高端卡权益缩水"……7月以来，信用卡市场调整更为频繁。 中信银行信用卡权益缩水 近期，中信银行等多家银行信用卡发布公告称，将调整停发部分信用卡，其中多数为联名卡。 同月，招商银行、光大银行、浦发银行等多家银行相继官宣部分高端卡产品权益及活动更新，主要涉及提高使用门 槛、调整积分规则、削减高端权益等。此外，年内获批终止营业的银行信用卡分中心已超40家，仅7月便有5家银行信 用卡分中心关闭。 值得注意的是，早在去年9月，中信银行就公告调整中信银行银联i白金信用卡"i白金专属36+1新生活"交易权益规则， 调整后获取交易权益点除要求满足每月交易金额外，还新增了其中银联渠道交易金额的限制。 中信银行客服承认所有活动和权益"不是一成不变"，银行会根据经营策略调整，但这一做法无疑大幅削弱了用户粘 性。 行业分析人士分析，银行信用卡权益"缩水"原因或在于"降本"。结合财报数据来看，大多银行信用卡规模与业绩双 降。调整权益服务一方面可能是应对市场环境周期性变化，但更多可能是经营效果未达到预期，信用卡投入与预计产 出不匹配。 信用卡不良率攀升 从数据来看，中信银行信用卡贷款余额、交易量、收入均出现不同程度下滑 ...

Core Viewpoint - UBS reports that since 2020, the rise in high dividend yields and improved transparency in fundamentals have driven the performance of Chinese banks, with a focus on the sustainability of dividends depending on profit outlook and liquidity [1][2] Group 1: Dividend Sustainability - The key issue for Chinese banks is the sustainability of dividends, which relies on profit prospects and liquidity [1] - UBS maintains an optimistic view on the sustainability of dividends and further increases in Chinese bank stocks [1] Group 2: Profit Growth and Forecasts - UBS's base case scenario predicts that Chinese banks will maintain stable profit growth and resume revenue growth from 2026, while keeping provisions steady [1] - The bank expects income transparency to improve from 2025, with net interest margin (NIM) bottoming out in 2026 [2] Group 3: Stock Ratings and Target Prices - UBS raised target prices for several banks, including increasing the target price for Bank of Communications from HKD 5.95 to HKD 8.6 and upgrading its rating from "Neutral" to "Buy" [1] - The target price for Industrial and Commercial Bank of China was raised from HKD 5.98 to HKD 7.79, and for China Construction Bank from HKD 7.4 to HKD 10.2 [1] Group 4: Market Performance - As of July 28, 2023, the MSCI China Bank Index has risen by 79% since the onset of the COVID-19 pandemic, outperforming both Hong Kong and A-share markets [2] - The proportion of H-shares held by southbound funds is expected to double from 19% in 2023 to 41% by 2025, driven by increased inflows, particularly from Chinese insurance companies [2] Group 5: Revenue Sources - Non-interest income, especially from investment and trading activities, is becoming a more significant revenue source, potentially contributing up to 5% of revenue growth by 2029 [2] - Although asset yield remains under pressure, positive deposit rate cuts, robust loan growth, and bond growth are expected to support net interest income [2]

Core Insights - Beijing Fanhuan Emerging Sports Industry Co., Ltd. (Fanhuan Sports) expressed gratitude to CITIC Bank Beijing Branch for its critical support in opening foreign guarantee letters for overseas business operations [1][2] - Fanhuan Sports is a leading company in the sports facility design and construction sector, recognized as a national high-tech enterprise and a specialized "little giant" enterprise [1] Group 1 - Fanhuan Sports has undertaken the construction of sports facilities for major international events, including the 2034 Saudi World Cup and the 2027 Belgrade Specialized World Expo [2] - CITIC Bank Beijing Branch quickly responded to Fanhuan Sports' need for foreign guarantee letters by designing a credit plan to facilitate the process [2] - The foreign guarantee letter involves complex procedures, including notifications between domestic and foreign banks and ensuring compliance with local laws [2] Group 2 - CITIC Bank Beijing Branch formed a specialized team to address challenges encountered during the business process, ensuring efficient and timely execution of the guarantees [2] - The bank aims to maintain a customer-centric service philosophy and expand comprehensive cooperation with Fanhuan Sports to support the company's future development [2]

Core Viewpoint - UBS report indicates that since 2020, the rise in high dividend yields and improved transparency in fundamentals have driven the performance of Chinese bank stocks. The sustainability of dividends is now a key issue, dependent on the profit outlook and liquidity of these banks [1] Group 1: Profit Outlook and Dividend Sustainability - UBS's base case scenario predicts that Chinese banks will maintain stable profit growth and resume revenue growth starting in 2026, while keeping a steady provisioning path. The firm holds an optimistic view on the sustainability of dividends and potential further increases for Chinese banks [1] Group 2: Stock Ratings and Target Prices - UBS has raised target prices across the board for Chinese bank H-shares, finding dividend returns above 5% attractive. The investment rating for Bank of Communications has been upgraded from "Neutral" to "Buy," with the target price increased from HKD 5.95 to HKD 8.6 [1] - The firm reiterated "Buy" ratings for Industrial and Commercial Bank of China, China Construction Bank, Bank of China, and CITIC Bank, with target prices adjusted: ICBC from HKD 5.98 to HKD 7.79, CCB from HKD 7.4 to HKD 10.2 [1] - China Merchants Bank's rating has been downgraded from "Buy" to "Neutral" due to high valuation and lower dividend yield compared to peers, with the target price raised from HKD 52 to HKD 56 [1]

Core Viewpoint - CITIC Financial Asset has significantly increased its stake in Everbright Bank, raising its shareholding from 7.08% to 8.00%, with a current market value of approximately 19.52 billion yuan [1][4][9] Group 1: Investment Activities - Between January 20, 2025, and July 22, 2025, CITIC Financial Asset acquired a total of 543 million shares of Everbright Bank, with an estimated investment of about 1.91 billion yuan [1][4] - In June 2025, CITIC Financial Asset also purchased 2.384 billion H-shares of Bank of China, spending approximately 10.98 billion yuan [1][5] - As of June 23, 2025, CITIC Financial Asset held 1.123 billion H-shares of CITIC Bank, valued at around 8.573 billion HKD [1][5] Group 2: Financial Performance - CITIC Financial Asset's total revenue for 2024 reached 107.36 billion yuan, a year-on-year increase of 53.48%, with a net profit of 9.618 billion yuan, up 444.62% [9] - The company reported a significant increase in dividend income from Everbright Bank, totaling 1.519 billion yuan for 2023 and 2024 [2][9] - The investment in bank stocks has contributed positively to CITIC Financial Asset's financial performance, with a reported gain of 9.932 billion yuan from other financial assets in 2024 [9] Group 3: Strategic Shift - The current strategy of CITIC Financial Asset focuses on financial investment in listed banks rather than seeking bank licenses or controlling stakes, aiming to optimize asset allocation and achieve investment returns [1][7] - The company plans to invest up to 40 billion yuan in Everbright Bank and 26 billion yuan in Bank of China over the next 12 months [4][10] Group 4: Broader Market Trends - Other Asset Management Companies (AMCs) are also increasing their stakes in banks, indicating a trend among AMCs to focus on financial investments rather than controlling interests [6][7] - The overall market for bank stocks appears to be an attractive opportunity for AMCs, as they seek to enhance their investment returns amid pressures in their core business of managing non-performing assets [7][15]

Group 1 - The event organized by Citic Bank's Zunyi Xinpu branch aimed to enhance public financial literacy and anti-fraud awareness through a collaboration with a local hospital and police [1] - Approximately 100 hospital staff participated in the event, which utilized real case studies to highlight the dangers of fraud and included professional financial knowledge explanations and interactive quizzes [1][2] Group 2 - The hospital director emphasized the need for vigilance against fraud, discussing the subtlety and dangers of current scam methods, while police representatives provided identification techniques and response measures for common fraud types [2] - Citic Bank focused on educating participants about legitimate financial products, clarifying the differences between regular savings, funds, and scams, particularly highlighting the safety of deposits under the Deposit Insurance Regulations [3] Group 3 - A quiz segment was included to engage participants, transforming the educational content into fun questions that encouraged active participation, covering various aspects of financial products and their characteristics [4] - The event's format combined case warnings, professional explanations, and interactive reinforcement, leading participants to gain a deeper understanding of fraud risks and a systematic recognition of financial products [4]

Core Insights - The 2025 World Artificial Intelligence Conference (WAIC) in Shanghai highlighted the integration of technology and industry, showcasing the innovative practices of CITIC Group in serving technology enterprises through a "science and finance integration" model [1][2] Group 1: CITIC Group's Unique Service Model - CITIC Group leverages its "full financial license + extensive industrial coverage" advantage to create a multi-tiered service system for technology enterprises, addressing their financing challenges with a focus on innovation support and risk management [1][2] - The company has established the CITIC Equity Investment Alliance, managing over 320 billion yuan in funds and directly investing in 1,100 technology enterprises, supporting the rapid development of industry leaders [2][3] Group 2: Comprehensive Service Offerings - CITIC Group provides a "full-chain" service model for technology enterprises, from initial consulting and credit loans to listing guidance and global expansion, ensuring tailored support at each growth stage [2][6] - The company has served over 14,100 national-level specialized and innovative enterprises, achieving a business implementation rate of over 92% [3] Group 3: Risk Management and Innovation Balance - CITIC Group emphasizes six key capabilities to balance risk control and support for industrial innovation, including precise identification, product integration, and dynamic digital risk control [4] - The innovative "points card" loan approval model focuses on intellectual property and team strength rather than traditional collateral, allowing for more flexible support of emerging industries [4][6] Group 4: Internationalization and Cross-Border Services - CITIC Group operates in nearly 160 countries, with overseas assets exceeding 1 trillion yuan, promoting its "go abroad, find CITIC" and "come to China, find CITIC" service brands [5] - The company has successfully facilitated significant cross-border financing projects, including a $5.6 billion rapid placement for an automotive enterprise, marking it as one of the largest equity refinancing projects in the global automotive sector [5][6]

Core Viewpoint - Zhejiang Province is leveraging technological innovation to shape new development advantages, with CITIC Bank's Hangzhou branch focusing on the financial needs of technology enterprises throughout their lifecycle [1][2]. Group 1: Policy and Financial Support - The People's Bank of China established a re-lending program for technological innovation and transformation, prompting CITIC Bank's Hangzhou branch to form a task force to support eligible projects with green approval channels and preferential interest rates, resulting in a cumulative loan issuance of 3.6 billion yuan by May 2023 [2]. - CITIC Bank has served nearly 8,000 technology enterprises, with a total financing scale of approximately 400 billion yuan, promoting a virtuous cycle of "technology-industry-finance" [2]. Group 2: Service System and Product Innovation - CITIC Bank's Hangzhou branch aims to create a "demonstration zone for technology finance," establishing a "six-special" service mechanism that includes dedicated teams and specialized products, leading to over 30 billion yuan in financing for more than 1,000 hard-tech enterprises in the past three years [3]. - Eight enterprises successfully went public in 2024, with nearly 100 more initiating the listing process [3]. Group 3: Collaborative Ecosystem and Investment - The bank has established the "Juxin Juli" CITIC Technology Innovation Financial Investment Alliance, facilitating deep cooperation with Zhejiang Province and launching a 10 billion yuan industrial fund [4]. - In 2024, the bank supported the issuance of technology innovation notes amounting to 3.59 billion yuan, a year-on-year increase of 412.86%, and assisted eight technology companies in completing convertible bond financing [4]. Group 4: Open Ecosystem and Future Goals - CITIC Bank is building a unique technology finance ecosystem by collaborating with government agencies, research institutions, and investment organizations, exemplified by a nearly 10 million yuan loan to a research transformation enterprise [5]. - The bank aims to achieve a technology finance loan balance exceeding 100 billion yuan and serve over 12,000 technology enterprises within five years [5].