港股内银股午后集体走高，民生银行(01988.HK)涨超5%，建设银行(00939.HK)、中信银行(00998.HK)涨 近4%，中国银行(03988.HK)、工商银行(01398.HK)涨近3%。 ...

智通财经4月11日电，港股内银股午后集体走高，民生银行涨超5%，建设银行、中信银行涨近4%，中 国银行、工商银行涨近3%。 ...

Core Insights - The 2025 Q1 Bloomberg China Bond Underwriting Rankings reveal significant trends in the bond market, highlighting the performance of various banks and securities firms in the issuance of bonds [2][3]. Group 1: Market Overview - The total issuance of Panda bonds in 2024 exceeded 208.25 billion RMB, while in Q1 2025, the issuance by foreign institutions in the domestic market reached 41.6 billion RMB, showing a decrease of 38.28% compared to the same period last year [4]. - The overall issuance of domestic credit bonds in Q1 2025 was approximately 3.77 trillion RMB, reflecting a decline of about 12.61% year-on-year [6]. - The issuance of interbank certificates of deposit increased to approximately 8.35 trillion RMB in Q1 2025, up 11.97% from the previous year [10]. Group 2: Rankings and Performance - In the Bloomberg Q1 2025 China Bond Rankings, the top three positions were held by Bank of China (5.918%), CITIC Bank (5.675%), and Industrial Bank (5.297%) [7]. - For corporate bonds, CITIC Securities (13.450%), CITIC Jiantou (9.988%), and former Guotai Junan Securities (8.053%) maintained their top three positions [7]. - In the offshore RMB bond rankings (excluding certificates of deposit), the top three were held by Amundi (12.248%), HSBC (7.117%), and Standard Chartered Bank (5.021%) [7]. Group 3: Local Government Bonds - The issuance of local government bonds in Q1 2025 was approximately 2.66 trillion RMB, a significant increase of about 78.26% year-on-year [12]. - The issuance included about 0.38 trillion RMB in general bonds and approximately 2.28 trillion RMB in special bonds, with debt resolution remaining a key focus [12]. Group 4: Offshore Bond Market - The issuance of offshore bonds (excluding certificates of deposit) by Chinese enterprises exceeded 401.4 billion RMB in Q1 2025, marking a year-on-year growth of approximately 35.36% [16]. - The issuance of "Kung Fu Bonds" surpassed 30 billion USD (approximately 219.2 billion RMB), showing a significant increase of over 122.20% compared to the previous year [16].

Core Insights - The integration of artificial intelligence (AI) in financial services is a significant topic of discussion among listed financial institutions, with many increasing their investments in fintech for 2024 [1] - Major Chinese banks have reported substantial financial technology investments, with amounts reaching billions, indicating a strong commitment to AI and digital transformation [1] Investment in Fintech - China Construction Bank, Agricultural Bank of China, Bank of China, China Merchants Bank, and Postal Savings Bank of China have made significant fintech investments, amounting to 28.518 billion, 24.97 billion, 23.809 billion, 24.433 billion, and 11.433 billion yuan respectively for 2024 [1] Development of Financial Models - The construction of financial large models is crucial for the development of digital finance, with China Construction Bank adapting 16 versions of general large models for various business scenarios [2] - The bank's computing power has reached 62,700 servers, and its data lake storage exceeds 29 petabytes, showcasing a robust infrastructure for AI applications [2] Application of AI in Financial Services - AI models are being applied across over 200 business scenarios in major banks, significantly improving efficiency and accuracy in services such as credit approval and customer interaction [4] - For instance, the response time for customer inquiries has been reduced by 79%, and the time taken for financial analysis has been cut from 30 minutes to 5 minutes [4] User Experience Enhancement - Postal Savings Bank has integrated AI into its mobile banking services, creating a "companion-style digital employee" to enhance customer experience [5] - The bank aims to embed AI into decision-making processes and accelerate the intelligent transformation of financial services [5] Future Prospects of AI in Banking - Industry leaders believe that the application of generative AI will reshape the banking ecosystem, with significant potential for future development [6] - Agricultural Bank of China has outlined a roadmap for AI implementation, targeting specific milestones for the rollout of AI applications [6][7] Strategic Focus Areas - Agricultural Bank of China plans to leverage AI in eight key areas, including credit, risk control, and marketing, to enhance operational efficiency [7] - China Construction Bank emphasizes the importance of safety and compliance in AI model development, aiming to mitigate issues related to "model hallucination" [7]

Group 1 - CITIC Bank is actively promoting stock repurchase and increase loan business, having reached cooperation intentions with nearly 100 listed companies [1] - The total project amount reserved for stock repurchase and increase loans exceeds 30 billion yuan [1] - As of the end of March this year, CITIC Bank has announced 55 stock repurchase and increase loan agreements, amounting to 7.597 billion yuan [1]

特此公告。 证券代码：601998 证券简称：中信银行 公告编号：临2025-035 中信银行股份有限公司董事会会议决议公告 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。 中信银行股份有限公司（以下简称"本行"）于 2025 年 4 月 3 日以书面形 式发出有关会议通知和材料，于 2025 年 4 月 10 日以书面传签形式完成一次董事 会会议召开并形成决议。本次会议应参与表决董事8名，实际参与表决董事8名。 会议的召开符合《中华人民共和国公司法》等有关法律、行政法规、部门规章、 规范性文件和《中信银行股份有限公司章程》的规定。 根据表决结果，会议审议通过《关于中信银行资本计量高级方法评估申请补 充材料相关事项的议案》 表决结果：赞成8票 反对0票 弃权0票 中信银行股份有限公司董事会 2025年4月10日 1 ...

Core Viewpoint - UBS expects that the net profit of mainland banks will maintain positive growth in the first quarter, with a stable performance anticipated despite geopolitical uncertainties and the delay in stimulus measures [1] Group 1: Bank Performance Expectations - UBS forecasts that state-owned banks will continue the improvement trend seen in the fourth quarter of the previous year, with stable net profits expected in the first quarter [1] - The first quarter is anticipated to be a stable quarter for banks, reflecting resilience compared to the overall AH stock market [1] Group 2: Investment Recommendations - UBS is optimistic about undervalued bank stocks with high dividend yields, specifically CITIC Bank (00998.HK), China Construction Bank (00939.HK), and Industrial and Commercial Bank of China (01398.HK) [1] - The dividend yields for these banks are noted as 7.3%, 7%, and 6.6% respectively, making them attractive investment options [1]

一、营收增速回正，整体业绩良好 2024 年末，中信银行总资产达到 9.53 万亿元 （接近十万亿大行规模），同比增长 5.30% 。 2024 年实现营业收入 2136.46 亿元 ，同比增长 3.76% ，增速在经历 2023 年 -2.60% 的负增 长后 回正 ，营业收入达到历史最高。当年实现净利润 694.68 亿元 ，同比增速为 2.07% ，增 速虽有放缓（同业共性）但继续保持正增长。 二、公司业务稳中有进 与 邮储银行 、 招商银行 和平安银行以零售业务为主不同， 中信银行是妥妥的以公司业 务为主的银行 。 2024 年末，中信银行 公司贷款 2.91 万亿元 ，占贷款总额的 50.84% ；公司存款 4.12 万亿 元 ，占全部存款的 71.24% 。 2024 年公司贷款实现营业收入 952.36 亿元 ，占当年营业收入的 44.60% （高于个人业务 40.10% 的占比）；实现利润总额 498.29 亿元 ，占当年利润总额的 61.60% 。 中信银行公司业务无论在贷款量、存款量，还是营业收入或利润方面均远超过其个人业 务。 此外，公司业务资产质量逐年好转。 公司业务不良贷款率由 20 ...

中信银行股份有限公司（以下简称"本行"）董事会于 2025 年 4 月 8 日收 到本行非执行董事曹国强先生的辞呈。曹国强先生因退休原因，辞去其所担任的 本行非执行董事、董事会战略与可持续发展委员会委员职务。根据相关法律法规 和本行章程相关规定，曹国强先生的辞任自 2025 年 4 月 8 日起生效。 曹国强先生确认，其本人与本行董事会无不同意见，亦无任何与其辞任有关 的事项须提请本行股东注意。曹国强先生同时确认，其无任何针对本行的正在发 生或将要发生的诉讼和争议。 曹国强先生对在本行任职期间，本行股东、董事、监事、高级管理层和员工 给予的支持表示感谢。 证券代码：601998 证券简称：中信银行 公告编号：临2025-034 中信银行股份有限公司关于董事辞任的公告 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。 曹国强先生在本行任职20年，曾先后担任本行行长助理、副行长、监事长等 职务，2018年起担任本行非执行董事。任职期间，曹国强先生恪尽职守、勤勉尽 责，坚决贯彻落实国家重大决策部署和经济金融政策，深度参与了本行各项改革 ...

中信銀行股份有限公司（「本行」）第七屆董事會（「董事會」）成員如下： 執行董事 方合英 （董事長） 胡罡 非執行董事 黃芳 王彥康 獨立非執行董事 （在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 董事名單及彼等角色及職能 - 1 - 董事會現有五個委員會。下表提供第七屆董事會成員所屬委員會的委員資料。 | | 戰略與 | 審計與關聯 | | | | | --- | --- | --- | --- | --- | --- | | | 可持續發展 | 交易控制 | 風險管理 | 提名與薪酬 | 消費者權益 | | 董事╱董事會委員會 | 委員會 | 委員會 | 委員會 | 委員會 | 保護委員會 | | 方合英 | | | | | | | （董事長，執行董事） | C | | | | | | 胡罡 | | | | | | | （執行董事） | | | M | | | | 黃芳 | | | | | | | （非執行董事） | | | | | C | | 王彥康 | | | | | | | （非執行董事） | | | | | M | | 廖子彬 | | | | | | | （獨立非執行董事） | | ...