Group 1 - CITIC Bank's stock closed down 2.04% on April 29, 2023 [1] - CITIC Bank was established in 1987 and is primarily engaged in monetary financial services, with a registered capital of approximately 48.93 billion RMB [1] - E Fund's Enhanced Return Bond A has entered CITIC Bank's top ten shareholders as a new addition in Q1 2023, with a year-to-date return of 0.37%, ranking 358 out of 630 in its category [1] Group 2 - The fund manager of E Fund's Enhanced Return Bond A is Wang Xiaocheng, who has extensive experience in fixed income investment [4][6] - Wang Xiaocheng has held various positions within E Fund since 2011, including roles as a bond trader and assistant general manager in fixed income [5][6] - E Fund was established in April 2001 and has multiple shareholders, with Yingfeng Group, Guangdong Yuecai Trust, and GF Securities each holding 22.65% [6]

Financial Performance - The company's operating revenue for 2024 reached RMB 213,646 million, an increase of 3.76% compared to RMB 205,896 million in 2023[39]. - The net profit attributable to shareholders for 2024 was RMB 68,576 million, reflecting a growth of 2.33% from RMB 67,016 million in 2023[39]. - The total assets of the company as of December 31, 2024, amounted to RMB 9,532,722 million, representing a 5.31% increase from RMB 9,052,484 million in 2023[44]. - The company's loan and advance total reached RMB 5,720,128 million, marking a 4.03% increase from RMB 5,498,344 million in 2023[44]. - The average return on total assets (ROAA) for 2024 was 0.75%, a decrease of 0.02% from 0.77% in 2023[42]. - The weighted average return on equity (ROAE) for 2024 was 9.79%, down from 10.80% in 2023, indicating a decline of 1.01%[42]. - The cost-to-income ratio for 2024 was 32.49%, slightly up from 32.35% in 2023[42]. - The total customer deposits reached RMB 5,778,231 million, reflecting a growth of 7.04% from RMB 5,398,183 million in 2023[44]. - The company's general corporate loan balance reached CNY 2,679.67 billion, an increase of CNY 200.03 billion or 8.07% compared to the end of the previous year, with the new issuance of corporate loans achieving a historical high[184]. Asset Quality and Risk Management - Non-performing loan ratio improved to 1.16%, marking six consecutive years of decline, with provision coverage ratio rising to over 209%[22]. - Non-performing loan ratio decreased to 1.16% in 2024 from 1.18% in 2023, showing a 0.02% improvement[47]. - Provision coverage ratio increased to 209.43% in 2024 from 207.59% in 2023, reflecting a 1.84% rise[47]. - The loan provision ratio was 2.43% in 2024, slightly down from 2.45% in 2023[47]. - The bank's overall risk resistance capability remains adequate, with a loan provision ratio of 2.43%, a slight decrease of 0.02 percentage points from the end of the previous year[196]. - The bank's focus on risk management includes differentiated credit policies for real estate enterprises to mitigate risks effectively[198]. Strategic Initiatives and Market Position - The bank's strategy focuses on becoming a leading wealth management and comprehensive financing bank, emphasizing digital transformation[5]. - The bank aims to deepen digital integration and enhance customer engagement through intelligent management and operations[25]. - The bank plans to enhance dividend payout ratio to reward investor trust and support[18]. - Strategic focus on "light capital, light assets, light costs" to drive quality improvement and achieve sustainable development[24]. - The bank aims to enhance its financial services to support the real economy and improve risk management capabilities[58]. Awards and Recognition - CITIC Bank was recognized as a "Market Influential Institution" and "Market Innovative Business Institution" by the National Interbank Funding Center in January 2024[33]. - The bank received an "A-" issuer rating from S&P in April 2024[34]. - The bank was awarded multiple honors by the Shanghai Clearing House for its high-quality development in centralized clearing and issuance registration services in February 2024[33]. - CITIC Bank was recognized as an "Outstanding Comprehensive Business Institution" and "Outstanding Acceptance Institution" by the Shanghai Bills Exchange in January 2024[33]. - The bank was rated as a "Leading Institution in the Bond Market" and "Outstanding Financial Bond Issuer" by the Central Government Bond Registration and Settlement Co., Ltd. in January 2024[33]. Customer Base and Market Expansion - Retail customer base expanded to 145 million, with retail management assets reaching 4.69 trillion, and personal mortgage loans exceeding 1 trillion[21]. - CITIC Bank has established 1,470 branches across 153 major cities in China, enhancing its market presence[4]. - The bank's international presence includes 31 branches and 2 business centers in major global financial hubs[4]. ESG Commitment - The bank's ESG rating improved significantly, reflecting its commitment to sustainable development[17]. - Commitment to ESG principles, balancing social and economic value while fostering a value community with stakeholders[26]. Financial Metrics - The liquidity coverage ratio stood at 218.13% in 2024, up from 167.48% in 2023, indicating improved liquidity management[52]. - The capital adequacy ratio stood at 13.36%, with a Tier 1 capital ratio of 11.26% and a core Tier 1 capital ratio of 9.72%, all meeting regulatory requirements[169]. - The net interest margin remained stable at 1.77%, outperforming the market for three consecutive years[23]. - The bank's total operating income for 2024 was RMB 213,646 million, an increase of 3.5% compared to RMB 205,896 million in 2023[181].

Financial Performance - Net profit attributable to shareholders was RMB 19.51 billion, a year-on-year increase of 1.66%[12] - Operating income for the first quarter was RMB 51.77 billion, down 3.72% compared to the same period last year[12] - The annualized return on average total assets was 0.83%, a decrease of 0.03 percentage points from the previous year[12] - The annualized weighted average return on equity was 11.42%, down 1.15 percentage points year-on-year[12] - Net profit for the group for the first quarter of 2025 was RMB 19,783 million, compared to RMB 19,391 million in the same period of 2024, reflecting a year-on-year increase of 2.02%[89] - Total comprehensive income for the group was RMB 12,570 million in Q1 2025, compared to RMB 23,688 million in Q1 2024, indicating a significant decrease of 46.9%[91] - The basic earnings per share for Q1 2025 was RMB 0.36, slightly down from RMB 0.39 in Q1 2024[91] Asset and Liability Management - Total assets reached RMB 9,855.27 billion, an increase of 3.38% compared to the end of last year[9] - The group's total liabilities amounted to RMB 9,028,427 million as of March 31, 2025, up from RMB 8,725,357 million at the end of 2024, indicating a rise of 3.47%[83] - The bank's total equity reached RMB 826,841 million as of March 31, 2025, up from RMB 807,365 million at the end of 2024, indicating a growth of 2.18%[86] Loan and Deposit Growth - Total loans and advances amounted to RMB 5,866.03 billion, growing by 2.55% year-on-year[9] - Customer deposits totaled RMB 6,027.27 billion, reflecting a growth of 4.31% from the previous year[9] - The company's general corporate loan balance reached CNY 2,975.976 billion, an increase of CNY 296.309 billion, representing a growth of 11.06% compared to the end of the previous year[22] - The company's loans to the private economy totaled CNY 1,414.955 billion, an increase of CNY 67.627 billion, marking a growth of 5.02% compared to the previous year[24] - The personal housing mortgage loan balance was 1,053.75 billion RMB, an increase of 21.17 billion RMB during the reporting period[51] Income Sources - Net interest income increased by 2.05% to RMB 35.68 billion, driven by enhanced credit deployment[20] - Non-interest income decreased by 14.44% to RMB 16.09 billion, primarily due to reduced securities investment income[20] - The group's investment income rose to RMB 8,854 million in Q1 2025, compared to RMB 8,149 million in Q1 2024, representing an increase of 8.63%[89] Cash Flow and Liquidity - The bank's cash flow from operating activities was RMB 37.99 billion, a significant improvement from a net outflow of RMB 333.14 billion in the same period last year[16] - Cash and cash equivalents at the end of Q1 2025 amounted to RMB 271,824 million, an increase from RMB 181,659 million at the end of Q1 2024[96] - The liquidity coverage ratio is 138.22% as of March 31, 2025, well above the minimum requirement of 100%[62] Capital Adequacy - The core Tier 1 capital adequacy ratio for the group is 9.45%, while for the bank it is 9.15% as of March 31, 2025[58] - The Tier 1 capital adequacy ratio for the group is 10.90%, and for the bank it is 10.68% as of March 31, 2025[58] - The total capital adequacy ratio for the group is 12.90%, and for the bank it is 12.78% as of March 31, 2025[58] Shareholder Information - The total number of ordinary shareholders is 123,064, with 97,658 being A-share shareholders and 25,406 being H-share shareholders[63] - China CITIC Financial Holdings Limited holds 64.75% of the shares, making it the largest shareholder[65] Risk Management - The non-performing loan balance was 67.85 billion RMB, with a non-performing loan ratio of 1.16%, unchanged from the end of the previous year[53] - The bank's provision coverage ratio was 207.11%, a decrease of 2.32 percentage points from the end of the previous year[54] - The bank actively supported personal housing loan demands, with a non-performing rate of 0.39%, down 0.1 percentage points from the end of the previous year[51] Customer Engagement and Services - The number of personal customers reached 147 million, an increase of 1.10% compared to the end of the previous year[44] - The company achieved a total of 5,200 billion in pension financial custody scale, with a new personal pension account opening of 207,000, a year-on-year increase of 64.29%[30] - The company has enhanced its AI capabilities, with the upgraded intelligent wealth advisor serving 5.22 million customers and achieving an overall satisfaction rate exceeding 95%[32]

（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 ...

Financial Performance - Net profit attributable to shareholders for Q1 2025 was RMB 19.51 billion, a year-on-year increase of 1.66%[11] - Operating income for Q1 2025 was RMB 51.61 billion, down 3.65% year-on-year[11] - Net interest income for Q1 2025 was RMB 35.68 billion, an increase of 2.05% year-on-year[17] - Non-interest income decreased by 14.36% year-on-year to RMB 15.94 billion, primarily due to rising market interest rates[17] - The annualized return on average total assets was 0.83%, down 0.03 percentage points from the previous year[11] - The annualized return on average equity was 11.40%, a decrease of 0.91 percentage points year-on-year[11] - The bank's comprehensive income for Q1 2025 was RMB 12,570 million, significantly lower than RMB 23,688 million in Q1 2024[66] - Pre-tax profit for Q1 2025 reached RMB 22,842 million, an increase of 4.2% compared to RMB 21,914 million in Q1 2024[65] - Basic earnings per share for Q1 2025 was RMB 0.36, down from RMB 0.39 in Q1 2024[65] Asset and Liability Management - Total assets as of March 31, 2025, reached RMB 9,855.27 billion, an increase of 3.38% compared to the end of 2024[9] - Total liabilities increased to RMB 9,028,427 million as of March 31, 2025, compared to RMB 8,725,357 million at the end of 2024, marking a rise of 3.47%[68] - The bank's equity attributable to shareholders increased to RMB 808,432 million, up from RMB 789,264 million, representing a growth of 2.67%[68] Loan and Deposit Growth - The total amount of loans and advances was RMB 5,866.03 billion, up 2.55% from the end of 2024[9] - Customer deposits totaled RMB 6,027.27 billion, reflecting a growth of 4.31% compared to the end of 2024[9] - The company's general corporate loan balance reached CNY 2,975.976 billion, an increase of CNY 296.309 billion or 11.06% compared to the end of the previous year[18] - The balance of loans to technology enterprises reached CNY 670.765 billion, reflecting an increase of CNY 106.393 billion or 18.85%[22] - The balance of inclusive loans for small and micro enterprises was CNY 617.233 billion, an increase of CNY 17.408 billion[25] Risk Management - The company enhanced its risk management capabilities, with a decrease in the non-performing loan ratio and attention loan ratio compared to the previous year[19] - The group's non-performing loan balance is CNY 67.846 billion, an increase of CNY 1.361 billion, with a non-performing loan ratio of 1.16%, remaining stable compared to the end of the previous year[44] - The group's provision coverage ratio is 207.11%, a decrease of 2.32 percentage points from the end of the previous year[44] - The group has focused on risk control in key areas such as retail, real estate, and local debt to ensure overall asset quality stability[42] Digital Transformation and Customer Engagement - The company provided services to 5.5 billion customer interactions, utilizing over 5,000 tags and refining customer segmentation into more than 4,400 groups[28] - The intelligent wealth advisor "Xiao Xin" served 5.22 million customers, achieving an overall satisfaction rate exceeding 95%[28] - The company upgraded its digital banking services, achieving 61 online banking products available for immediate use in the first quarter[32] - The bank's retail business saw a 1.10% increase in personal customer numbers, reaching 147 million by the end of the reporting period[37] Capital and Shareholder Information - The total number of ordinary shareholders at the end of the reporting period is 123,064, with 97,658 being A-share shareholders and 25,406 H-share shareholders[54] - China CITIC Financial Holdings Limited holds 36,028,393,412 shares, representing 64.75% of the total shares, making it the largest shareholder[54] - The total number of preferred shareholders at the end of the reporting period is 46, with the largest being China Mobile Communications Group Co., Ltd., holding 43,860,000 shares (12.53%) of the preferred stock[56] Cash Flow and Liquidity - The net cash flow from operating activities for Q1 2025 was RMB 37.99 billion, a significant improvement from a net outflow of RMB 333.14 billion in the same period last year[13] - The liquidity coverage ratio as of March 31, 2025, is 138.22%, significantly above the regulatory minimum of 100%[53] - The cash net outflow decreased from 579,554 on December 31, 2024, to 868,434 on March 31, 2025, indicating a worsening liquidity position[53]

Company Overview - The total assets of the company exceed RMB 9.5 trillion, with over 65,000 employees[6]. - The company operates 1,470 branches across 153 major cities in China and has established 7 subsidiaries, including a direct bank in collaboration with Baidu[5]. - The company has a total share capital of 55.645 billion shares, with the dividend distribution plan subject to adjustments based on any changes in share capital before the record date[8]. - The company is committed to serving the real economy and fulfilling its financial responsibilities in alignment with national strategies[6]. - The company has been recognized for its strong brand competitiveness and comprehensive strength in the financial sector[6]. Financial Performance - Operating revenue reached 213.22 billion yuan, with net profit attributable to shareholders at 68.58 billion yuan[15]. - Total assets amounted to 9,532.72 billion yuan, with a net profit growth rate of 2.33%[15]. - The average return on total assets (ROAA) was 0.75%, and the average return on equity (ROAE) was 9.92%[15]. - Non-performing loan ratio stood at 1.16%, with a provision coverage ratio of 209.43%[15]. - The company achieved a significant milestone by being recognized as a "Leading Institution in Bond Market" and "Outstanding Financial Bond Issuer" by the Central Government Bond Registration and Settlement Co., Ltd.[36]. Dividend and Shareholder Returns - The proposed cash dividend for 2024 is RMB 1.722 per 10 shares, totaling RMB 9.582 billion, with an additional interim dividend of RMB 9.873 billion, leading to a total cash dividend of RMB 19.455 billion for the year[8]. - The company plans to further increase the dividend payout ratio to reward investors[19]. Risk Management - The company has not identified any significant risks that could adversely affect its future development strategy and operational goals during the reporting period[9]. - The company emphasizes a strategic focus on risk management, ensuring a robust risk control system[23]. - The company plans to enhance risk management and asset quality through improved classification systems and proactive measures[147]. Technology and Innovation - Technology investment exceeded 10 billion yuan, enhancing value through agile organizational transformation[21]. - The bank is investing in financial technology, aiming to become a leading tech-driven bank with applications in AI, blockchain, and big data[67]. - The company launched several new technology projects, including a privacy computing data fusion project and a trust technology platform, which received awards from the People's Bank of China[44]. Customer Base and Market Position - Online monthly active users reached 41.35 million, while personal customers totaled 145 million[15]. - Retail customers increased to 145 million, with retail managed assets rising to 4.69 trillion RMB and personal mortgage loans exceeding 1 trillion RMB[22]. - The company aims to solidify its customer base and expand deposit sources as part of its response strategy to the anticipated market conditions[200]. ESG Commitment - Commitment to ESG principles, seeking to balance social and economic value while creating a value community with stakeholders[26]. - The company received multiple awards in 2024, including recognition in the "Top 20 ESG Performance" and "Top 100 ESG Information Disclosure" lists[40]. Awards and Recognition - The company ranked 19th in the "Global Banking Brand Value 500" list by Brand Finance in 2024[6]. - In January 2024, the company was recognized as a "Market Influential Institution" and "Market Innovative Business Institution" by the National Interbank Funding Center[36]. - The company was awarded multiple honors in February 2024, including "Best Quotation Trading Institution" and "Best Business Innovation Contribution Institution" by the Shanghai Gold Exchange[38]. Loan and Deposit Growth - The total amount of loans and advances increased to RMB 5,720,128 million in 2024, up 4.03% from RMB 5,498,344 million in 2023[53]. - Customer deposits totaled RMB 5,778,231 million in 2024, a 7.04% increase from RMB 5,398,183 million in 2023[53]. - The company’s corporate deposits amounted to RMB 3,969,310 million, reflecting an increase of RMB 186,278 million or 4.92% from the previous year[199]. Financial Ratios and Capital Adequacy - The capital adequacy ratio as of the end of the reporting period was 13.36%, with a Tier 1 capital ratio of 11.26% and a core Tier 1 capital ratio of 9.72%, all meeting regulatory requirements[181]. - The liquidity coverage ratio significantly increased to 218.13% in 2024 from 167.48% in 2023[56]. - The leverage ratio improved to 7.06% in 2024, compared to 6.66% in 2023, indicating better capital efficiency[184].

Core Insights - The financial industry is focusing on enhancing its "digital finance" capabilities, transitioning from "digitalization" to "intelligent digitalization" in 2024 [1] - Financial institutions are increasing their technology investments and talent reserves, emphasizing a more pragmatic approach to technology spending and its return on investment [2] Group 1: Technology Investment Trends - In 2024, the six major state-owned banks invested a total of 125.46 billion yuan in financial technology, a 2.15% increase from 2023, but the revenue share remains below 4% for most banks [2] - Postal Savings Bank saw the highest growth in technology investment, reaching 12.30 billion yuan, a 9.03% increase, accounting for 3.53% of its operating income [2] - Nearly half of the banks reported a slight decline in the proportion of technology investment relative to revenue, indicating a shift towards more efficient spending [2] Group 2: AI and Big Model Applications - The application of large models is becoming prominent across various business areas, with China Construction Bank launching 168 financial model applications in 2024 [3] - China Merchants Bank and CITIC Bank are also focusing on "AI + finance" strategies, with China Merchants Bank introducing the first open-source financial model with over 100 billion parameters [3] - Ping An has made digital transformation a priority for 2025, with significant expectations for AI technology applications, reporting 250,000 to 300,000 daily uses of large models internally [3] Group 3: Organizational Changes - Financial institutions are restructuring to better align with digital finance needs, with many forming dedicated committees for digital finance [5] - China Merchants Bank and others are enhancing their organizational culture to support cross-department collaboration and innovation [5] - Zhejiang Commercial Bank has established a financial technology research institute to explore new technologies like large models and quantum technology [5] Group 4: Infrastructure Development - The six major state-owned banks are significantly investing in computing power and cloud computing, with China Construction Bank's computing power reaching 507.72 PFlops, a 9.58% increase [6] - Postal Savings Bank is advancing its cloud-native platform, achieving a tenfold increase in processing efficiency for its core business systems [6] - Other banks, such as CITIC Bank and Shanghai Pudong Development Bank, are also making substantial investments in distributed core systems and data centers [6] Group 5: Strategic Recommendations - Large financial institutions are advised to balance investment and output, focusing on core technology development and infrastructure upgrades [7] - Smaller institutions should avoid "digital anxiety" and develop tailored digital transformation strategies based on their resources [7] - Emphasis on core technology innovation and creating a conducive environment for research and development is crucial for competitive advantage [7]

Core Viewpoint - Banks are accelerating the transfer of non-performing loans, particularly focusing on personal consumer loans, indicating a rise in personal credit risk and a new adjustment phase in the consumer finance market [1][4][6]. Group 1: Non-Performing Loan Transfer Trends - Multiple banks, including China Construction Bank, Ping An Bank, and others, are actively listing non-performing loans for transfer, with personal consumer loans being a significant focus [1][3]. - In the first quarter, the transaction volume of non-performing loan transfers reached 483 billion, with banks accounting for over 70% of the transactions [5][6]. - The scale of personal non-performing loan transfers surged to 370.4 billion, a year-on-year increase of 761.4%, with personal consumer loans making up over 70% of this amount [5][6]. Group 2: Reasons for Accelerated Transfers - The increase in non-performing loans is attributed to a decline in repayment ability among residents and businesses due to macroeconomic conditions, prompting banks to actively manage risks [4][6]. - Regulatory policies are pushing banks to enhance their non-performing asset management, encouraging quicker disposal of non-performing loans to prevent risk accumulation [4][6]. - The rapid growth of personal consumer loans, coupled with economic downturns and excessive leverage in consumer credit, has led to rising non-performing loan rates, making them a priority for banks [4][6]. Group 3: Future Directions and Recommendations - It is suggested that banks should continue to optimize the non-performing asset transfer mechanism, promote bulk transfers, and enhance market pricing to improve asset disposal efficiency [6][7]. - Banks are encouraged to strengthen post-loan management, improve risk monitoring using big data and AI, and enhance credit management to prevent new risks [7][8]. - Collaboration with third-party institutions for asset transfers and better identification of high-risk borrowers is recommended to increase recovery rates [7][8].

Core Viewpoint - The article emphasizes that CITIC Bank has demonstrated resilience and transformative vigor in the face of external pressures, achieving significant growth and risk management success in 2024, which positions it favorably in the banking sector [1][2]. Financial Performance - In 2024, CITIC Bank's total assets exceeded 9.5 trillion yuan, with a net profit growth of 2.33% year-on-year, and a non-performing loan (NPL) ratio reduced to 1.16%, the best level in nearly a decade [1][2]. - The bank's provision coverage ratio reached a new high of 209.43%, indicating strong risk resistance capabilities [1]. Net Interest Margin Strategy - CITIC Bank's net interest margin (NIM) for 2024 was 1.77%, with a year-on-year decline of only 1 basis point, outperforming the industry by 16 basis points [3][4]. - Over the past three years, CITIC Bank's NIM has decreased by 28 basis points, which is also 28 basis points less than the industry average, translating to an additional 22 billion yuan in annual revenue [3][4]. Risk Management - CITIC Bank has effectively controlled risks, achieving a decline in both the NPL ratio and an increase in the provision coverage ratio for four consecutive years [8][9]. - The bank has proactively adjusted its exposure to high-risk sectors, particularly in real estate, before the industry downturn, maintaining a low risk profile [9][10]. Retail and Corporate Banking Development - CITIC Bank has made significant strides in retail banking, with a balanced revenue contribution from corporate, retail, and financial market segments nearing a ratio of 4:4:2 [13][14]. - The bank's retail loan NPL ratio was 1.25% in 2024, with improvements in individual loan and credit card NPL ratios [11]. Strategic Initiatives - The bank is focusing on a "value bank" strategy, emphasizing wealth management, comprehensive financing, and digital transformation, with a notable increase in its wealth management scale to nearly 2 trillion yuan, growing over 15% year-on-year [14]. - CITIC Bank's cash dividends have increased from 11.7 billion yuan in 2019 to 19.46 billion yuan in 2024, with a payout ratio exceeding 30% [15][16]. Market Position and Valuation - CITIC Bank's stock performance has been strong, with A-shares and H-shares increasing by 42% and 63% respectively in 2024, outperforming the industry [15][16]. - The bank's ability to attract long-term capital, particularly from insurance funds, reflects its solid growth and high dividend characteristics [16].

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 ...