根据统计，截至4月23日，已经有36家银行披露了分红计划，分红总额为6161.26亿元，这其中包括去年 超2300亿元的中期分红。 分红大户 从本周开始银行分红季正式开启。4月20日，中国银行发布公告显示，中国银行A股每股派发2024年末 期现金红利0.1216元（税前，下同），股权登记日为4月24日，除权（息）日为4月25日，现金红利发放 日为4月25日。 华福证券分析称，观察近3年不同类型上市银行现金分红情况，国有大行保持稳定的高现金分红比例， 近3年现金分红比例均超30%；股份制商业银行近3年平均现金分红比例逐年提升，2023年达到29.4%； 城商行近3年平均现金分红比例有所下滑，2023年平均现金分红比例为24.8%；农商行现金分红比例为 各类银行中最低，2023年平均现金分红比例为22%。 值得注意的是，中国银行此次年度分红落地明显早于往年。数据显示，中国银行自2006年在A股上市以 来，年度分红派息时间均在6月至7月。 根据分配方案，中国银行2024年末期利润分配以方案实施前的该行普通股总股本2943.88亿股为基数， 每股派发现金红利0.1216元，共计派发现金红利357.98亿元。其中，A股 ...

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].

资产规模是衡量银行实力的重要指标之一。同花顺iFinD数据显示，9家股份制银行在2024年均实现了资产总额的增长。其中，招商银行以12.15万亿元的资 产总额在2024年报中领先，相较于2023年报的11.03万亿元，增长了1.12万亿元，增幅达10.19%，展现出强大的综合实力和市场竞争力。兴业银行、中信银 行、浦发银行等也实现了资产规模的稳步扩张，资产总额分别为10.73万亿元、9.53万亿元和9.27万亿元，增幅分别为3.39%、5.31%和5.18%。 随着2024年报相继发布，A股上市的9家股份制银行的业绩情况也已揭晓。同花顺iFinD数据显示，2024年，A股上市股份制银行资产规模稳步扩张，"吸 金"能力不减， 2024年全年，9家银行合计共实现归母净利润5007.91亿元，平均"日赚"13.72亿。此外，在净息差集体承压的背景下，各银行纷纷拓展多元化 收入来源。 资产规模稳步扩张，营收净利表现分化 | | 2024年末资产合计(万亿元) | 较上年末变动幅度 | | --- | --- | --- | | 招商银行 | 12.15 | 10.19% | | 兴业银行 | 10.37 | 3.39 ...

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 Insights - The event "Global Elite Education Panorama Exhibition" was organized by China CITIC Bank Changsha Branch in collaboration with Sunshine Life Insurance and Mercer Education, focusing on international education pathways for children [1][2] - The event attracted many parents interested in enhancing their children's global competitiveness [1] - Former Cambridge admissions officer Sofia Robson provided insights into the qualities of outstanding applicants, offering valuable application advice to attendees [1] - Mercer Education experts presented a comprehensive international education solution, covering academic, activity, and application planning, along with distinctions in educational systems across different countries [1] - Sunshine Life Insurance introduced five exclusive study abroad plans tailored for high-net-worth clients, offering financial planning advice for children's education [1] Company and Industry Summary - China CITIC Bank has been a leader in overseas financial services since 1998, having served over 25 million clients in the international financial sector over 27 years [1] - The bank aims to create a platform for financial and educational exchange, helping parents understand international education trends and requirements [2] - The bank's commitment to a customer-centric service philosophy will continue to guide its efforts in providing professional and precise educational solutions for families [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].

Group 1 - The core viewpoint of the articles emphasizes the proactive role of Citic Bank Guiyang Branch in supporting rural revitalization through financial services and innovative products [1][2] Group 2 - Citic Bank Guiyang Branch actively engages with rural enterprises to accurately identify their financing needs, providing differentiated financing solutions tailored to various scales and stages of development [1] - The bank offers commercial acceptance bill loans to agricultural product suppliers to address cash flow issues and ensure stable raw material supply, while also providing inclusive loans to larger agricultural enterprises to support production expansion and efficiency improvements [1] Group 3 - The bank innovates financial products to promote the upgrading of rural industries, utilizing supply chain finance products to facilitate convenient financing channels for enterprises along the agricultural supply chain [1] - Financial services such as wealth management are provided to help agricultural enterprises optimize fund planning and enhance fund utilization efficiency, aiding the modernization and scale-up of rural industries [1] Group 4 - Citic Bank Guiyang Branch emphasizes long-term stable partnerships with rural enterprises through post-loan visits and financial knowledge training, enhancing communication and understanding of business conditions and development needs [2] - The bank promotes public-private collaboration by offering comprehensive financial services such as payroll, credit cards, and personal loans to meet the financial needs of enterprises and their employees [2] Group 5 - Through effective measures, Citic Bank Guiyang Branch provides strong financial support to rural enterprises, making significant strides in the rural revitalization process [2] - The bank plans to continue deepening the "Entering Ten Thousand Enterprises - Serving Enterprises" initiative, optimizing financial services, and increasing support for rural economies to contribute to comprehensive rural revitalization [2]

随着国内经济转型，银行机构普遍处于息差收窄、营收放缓的境地。然而，券商中国记者梳理上市银行 2024年年报发现，不少上市银行的国际结算量猛增，带来的收益呈现可观的正增长。 随着我国外贸"朋友圈"越来越大，服务企业出海需求以及跨境电商等中小微企业，成为商业银行拓展营收的重 要途径。 近期有国有大行的银行高管在业绩说明会上表示要提高境外机构的协同，也有股份行在其年报中直接表示 要"力争用三年时间走进同类型银行第一梯队"，此外还有一些中小银行高管表态要拓展客户国际化，拓展跨境 金融方面的收入。 不可忽视的是，不同于去年，2025年美国推出所谓的"对等关税"，中小企业出海尤其对口美国相关业务出现 了不确定性，国际金融市场的波动又将对企业出海和银行国际化转型带来哪些复杂的影响？ 国际业务对营收贡献增大 我国进出口规模于2024年再创历史新高，并实现了同比增长5%，这给国内商业银行的营收带来了提升效应。 以中国银行为例，该行跨境业务是其传统优势业务，并领先同业。2024年在境内资产总额增速放缓、盈利指 标增速和贡献度下降的情况下，中国银行在"中国香港澳门台湾地区"，以及"其他国家和地区"实现了经营规模 和业绩较快增长，且 ...