Financial Performance - Net profit attributable to shareholders for the first three quarters of 2024 was RMB 51.83 billion, a year-on-year increase of 0.76%[9] - Operating income for the first three quarters of 2024 was RMB 161.82 billion, up 3.77% year-on-year[9] - The annualized return on average total assets was 0.72%, up 0.02 percentage points[6] - The annualized return on average equity was 8.99%, down 0.52 percentage points[6] - Net interest income for Q3 2024 was RMB 37,363 million, up from RMB 36,033 million in Q3 2023, representing a growth of 3.7%[48] - Total operating income for the first nine months of 2024 reached RMB 161,820 million, compared to RMB 155,947 million in the same period of 2023, an increase of 3.5%[48] - The bank's pre-tax profit for Q3 2024 was RMB 18,754 million, a 5.8% increase from RMB 16,776 million in Q3 2023[48] - The bank's net profit attributable to shareholders for the first nine months of 2024 was RMB 51,826 million, slightly up from RMB 51,433 million in the same period of 2023[48] - For the nine months ended September 30, 2024, pre-tax profit increased to RMB 62,505 million, up from RMB 59,143 million in the same period of 2023, representing a growth of 4.0%[54] Asset and Liability Management - As of September 30, 2024, total assets reached RMB 9,259.25 billion, an increase of 2.28% compared to the end of 2023[5] - The total amount of loans and advances was RMB 5,631.81 billion, reflecting a growth of 2.43% from the end of 2023[5] - Customer deposits totaled RMB 56,093.20 billion, an increase of 3.91% from the end of 2023[10] - The bank's total liabilities increased to RMB 8,429,295 million as of September 30, 2024, compared to RMB 8,317,809 million at the end of 2023, marking a rise of 1.3%[51] - The total risk-weighted assets amount to RMB 7,034,180 million as of September 30, 2024[32] Loan and Deposit Growth - The balance of corporate loans (excluding discounts) was RMB 29,213.71 billion, an increase of 8.31% from the end of 2023[10] - The balance of personal loans (excluding credit cards) was RMB 18,398.23 billion, reflecting a growth of 4.38%[10] - The bank's personal housing mortgage loan balance was CNY 1,004.868 billion, an increase of 3.47% compared to the end of the previous year; personal inclusive loan balance reached CNY 407.567 billion, growing by 7.13%[11] - The bank's inclusive small and micro enterprise loan balance was CNY 588.225 billion, an increase of CNY 43.149 billion, with the number of clients with loan balances reaching 305,000, an increase of 21,400 clients[14] - The bank's loan balances for the manufacturing sector, strategic emerging industries, and private economy reached CNY 287.485 billion, CNY 586.266 billion, and CNY 1,322.979 billion, representing year-on-year growth of 11.18%, 10.23%, and 6.17% respectively[11] Risk Management and Asset Quality - Non-performing loan balance stood at CNY 65.981 billion, with a non-performing loan ratio of 1.17%, a slight decrease of 0.01 percentage points from the end of the previous year[29] - The provision coverage ratio increased to 216.00%, up 8.41 percentage points from the end of the previous year, while the loan provision rate rose to 2.53%[29] - The bank is committed to enhancing risk management and has implemented a comprehensive risk management system to ensure asset quality stability[26] - The bank reported a decrease in credit impairment losses to RMB 51,343 million from RMB 52,327 million, indicating improved asset quality[54] Capital Adequacy and Liquidity - The core Tier 1 capital adequacy ratio is 9.50%, while the Tier 1 capital adequacy ratio is 11.61%, and the total capital adequacy ratio is 13.78% as of September 30, 2024[32] - The leverage ratio stands at 7.35%, exceeding the regulatory requirement of 4.25%[33] - The liquidity coverage ratio is 142.51%, significantly above the minimum requirement of 100%[34] - The net amount of core Tier 1 capital is RMB 668,308 million, and the net amount of Tier 1 capital is RMB 816,681 million as of September 30, 2024[32] Customer Engagement and Digital Transformation - The bank served 7,968 national-level "specialized, refined, distinctive, and innovative" enterprises, an increase of 1,338 enterprises from the end of the previous year[12] - The bank implemented over 2,600 multi-channel deployment strategies to provide tailored services to customers[16] - The bank's operational efficiency for account opening improved by 50% compared to the beginning of the year, with data entry accuracy increasing from 60% to 90%[16] - The bank launched the "Smart Online Banking 5.0" platform, achieving significant breakthroughs in service processes and user experience[20] - The bank's digital transformation efforts included the development of over 25,000 basic data standards and the establishment of a comprehensive data asset map[22] Wealth Management and Public Services - The total scale of wealth management products reached CNY 2.01 trillion, growing by 16.24% compared to the end of the previous year[25] - The bank's public wealth scale reached CNY 227.43 billion, marking a significant increase of 25.24% from the previous year[23] - The number of public customers increased to 1.2381 million, up by 8.05% from the end of the previous year[23] - The bank's pension account users reached 4.6629 million, while personal pension account users totaled 1.2853 million[15] Financing Activities - The bank provided discount financing services totaling CNY 1.201 trillion to 16,331 enterprises, with 71.75% of clients being small and micro enterprises, and a 10.64% increase in bill rediscounting year-on-year[25] - The bank's export credit financing balance grew by 13.01% year-to-date, with ASEAN countries becoming a new growth point for project investments[21] - The bank's debt financing tool underwriting scale and number of projects ranked first in the market during the reporting period[23] - The issuance of debt securities generated cash inflow of RMB 1,212,046 million, compared to RMB 829,703 million in the previous year, reflecting increased financing activities[55] Shareholder Information - The total number of ordinary shareholders is 132,869, with A-share shareholders numbering 106,837 and H-share shareholders at 26,032[36] - The largest shareholder, CITIC Financial Holdings Limited, holds 66.81% of the shares, totaling 35,732,894,412 shares[36] - The total number of preferred shareholders is 41 as of the report date[43] - The report indicates no participation in margin financing or securities lending by the listed shareholders, except for Hong Kong Central Clearing Limited[40]

Financial Performance - The net profit attributable to shareholders for Q3 2024 was RMB 16,336 million, reflecting a year-on-year increase of 6.31%[5] - For the first nine months of 2024, the bank achieved a net profit of RMB 51,826 million, a growth of 0.76% year-on-year[9] - The total operating income for the group in the first nine months of 2024 was RMB 162,210 million, an increase of 2% from RMB 156,228 million in the same period of 2023[60] - Net profit for the group reached RMB 52,531 million, slightly up from RMB 52,262 million year-on-year, indicating a stable performance[62] - The group's net profit for Q3 2024 was RMB 16,660 million, up 7.1% from RMB 15,555 million in Q3 2023[67] Assets and Liabilities - As of September 30, 2024, total assets reached RMB 9,259.25 billion, an increase of 2.28% compared to the end of 2023[4] - The bank's total liabilities were RMB 8,429.30 billion, an increase of 1.34% from the end of 2023[4] - The total assets of the group as of September 30, 2024, amounted to RMB 9,259,247 million, up from RMB 9,052,484 million at the end of 2023, showing a growth of approximately 2.3%[58] - The total liabilities and equity of the group reached RMB 9,259,247 million, indicating a robust financial position[58] Loans and Advances - Total loans and advances amounted to RMB 5,631.81 billion, up 2.43% from the end of 2023[4] - The bank's loan balances for manufacturing, strategic emerging industries, and private economy reached CNY 287.485 billion, CNY 586.266 billion, and CNY 1,322.979 billion respectively, with year-on-year growth rates of 11.18%, 10.23%, and 6.17%[11] - The personal housing mortgage loan balance was CNY 1,004.868 billion, an increase of 3.47% compared to the end of the previous year; the balance of personal inclusive loans reached CNY 407.567 billion, growing by 7.13%[11] Customer Deposits - Customer deposits totaled RMB 5,609.32 billion, marking a 3.91% increase compared to the end of 2023[4] - The bank's customer deposits totaled RMB 5,692,815 million, up from RMB 5,467,657 million year-over-year[56] - The net increase in customer deposits for the first nine months of 2024 was RMB 213,953 million, down from RMB 331,300 million in the same period of 2023[69] Income and Expenses - The net interest margin stood at 1.79%, a decrease of 0.03 percentage points year-on-year[9] - Non-interest income reached RMB 522.39 billion, growing by 11.17% year-on-year, driven by securities investments[9] - The total operating expenses for Q3 2024 were RMB 34,393 million, an increase from RMB 33,427 million in Q3 2023[65] Capital and Ratios - The core tier one capital adequacy ratio was 9.50%, while the tier one capital adequacy ratio was 11.61%, and the total capital adequacy ratio was 13.78%[37] - The leverage ratio as of September 30, 2024, is 7.35%, which is above the regulatory minimum of 4.25%[40] - The liquidity coverage ratio is 142.51% as of September 30, 2024, down from 167.48% as of December 31, 2023, but still above the regulatory requirement of 100%[41] Digital Transformation and Innovation - The bank launched several strategic projects, including the Tianyuan Treasury Standard Version 2.0 and Smart Online Banking 5.0, enhancing its digital financial capabilities[18] - The bank's digital transformation initiatives improved account opening efficiency by 50% and increased data entry accuracy from 60% to 90%[18] - The bank's "Smart Online Banking 5.0" was officially launched, improving customer service and operational capabilities[26] Risk Management - The group has implemented a comprehensive risk management system, focusing on key areas such as real estate and local government financing platforms[31] - The group has increased cash recovery efforts to address problem assets while maintaining asset quality stability[34] - The group is enhancing digital risk control capabilities, aiming to transition risk management from informatization to intelligence[34] Shareholder Information - The total number of ordinary shareholders as of the reporting period is 132,869, with 106,837 being A-share holders and 26,032 being H-share holders[43] - China CITIC Financial Holdings Limited holds 66.81% of the shares, making it the largest shareholder[43] Cash Flow - Cash flow from operating activities for the first nine months of 2024 was a net outflow of RMB 222,397 million, compared to a net inflow of RMB 4,461 million in the same period of 2023[69] - The net cash flow from investment activities for the group was RMB 35,055 million, a significant improvement from a net outflow of RMB 66,985 million in the same period last year[71] - The net cash flow from financing activities was RMB 176,043 million, recovering from a net outflow of RMB 77,049 million in the previous year[71]

证券代码：601998 证券简称：中信银行 公告编号:临 2024-061 中信银行股份有限公司 关于召开 2024 年第二次临时股东大会的通知 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： 一、 召开会议的基本情况 (一) 股东大会类型和届次 2024 年第二次临时股东大会（简称"本次股东大会"）。 (二) 股东大会召集人： 中信银行股份有限公司（简称"本行"）董事会。 (三) 投票方式： 本次股东大会所采用的表决方式是现场投票和网络投票相结合的方式 (四) 现场会议召开的日期、时间和地点 召开的日期时间：2024 年 11 月 20 日 9 点 30 分 召开地点：北京市朝阳区光华路 10 号院 1 号楼中信大厦 8 层 818 会议室 1 股东大会召开日期：2024年11月20日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 (五) 网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自 2024 年 11 月 20 日 至 2 ...

证券代码：601998 证券简称：中信银行 公告编号：临2024-058 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 2024 年 10 月 16 日以书面 形式发出有关会议通知和材料，于 2024 年 10 月 30 日在上海市浦东新区世博馆 路 138 号中信银行大厦以现场会议形式完成一次董事会会议召开并形成决议。本 次会议应出席董事 10 名，实际出席董事 10 名，其中，黄芳董事、廖子彬董事以 视频方式参加会议。本次会议由方合英董事长主持，本行监事和高级管理人员列 席了会议。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， 会议审议通过了以下议案： 一、审议通过《中信银行股份有限公司2024年第三季度报告》 表决结果：赞成10票 反对0票 弃权0票 《中信银行股份有限公司2024年第三季度报告》已经本行董事会审计与关联 交易控制委员会事前认可，由该委 ...

证券代码：601998 证券简称：中信银行 公告编号：临2024-059 监事会经审核认为，《中信银行股份有限公司2024年第三季度报告》的编制 和审议程序符合有关法律、行政法规和监管规定，报告内容真实、准确、完整地 反映出本行实际情况。 中信银行股份有限公司监事会会议决议公告 本行监事会及全体监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2024年10月10日以书面形式 发出会议通知和材料，于2024年10月30日在上海市浦东新区世博馆路138号中信 银行大厦以现场会议形式完成一次监事会会议召开并形成决议。本次会议应出席 监事7名，实际出席监事7名，监事孙祁祥、刘国岭、李蓉、程普升、张纯现场参 加了会议，监事曾玉芳通过视频参加了会议，魏国斌监事因事委托孙祁祥监事代 为出席会议并表决，本行高级管理人员列席了会议。经过半数的监事一致推举， 由孙祁祥监事主持会议。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》以及相关议 事规则的规定。 根据 ...

中信银行股份有限公司 2024年第二次临时股东大会 会议资料 二〇二四年十一月二十日 会 议 议 程 2 会议召开时间：2024年11月20日（星期三）9:30 会议召开地点：北京市朝阳区光华路10号院1号楼中信大厦8 层818会议室 召 集 人：中信银行股份有限公司董事会 会 议 日 程： 一、宣布会议开始 二、统计出席会议股东的人数及所持有表决权的股份总 数 三、董事会秘书宣示会议须知 四、推选计票人、监票人 五、审议议案、投票表决 六、休会（统计表决结果） 七、宣布表决结果 八、律师宣读法律意见书 九、宣布会议结束 2024年第二次临时股东大会会议资料： | 议案一：关于《中信银行股份有限公司 2024 年中期利润分配方案》的议案4 | | --- | | 议案二：关于发行资本债券一般性授权的议案 6 | | 议案三：关于发行金融债券一般性授权的议案 9 | 3 议案一：关于《中信银行股份有限公司2024年中期利润分配 方案》的议案 各位股东： 根据本行公司章程，以按照中国会计准则编制的财务报 表中母公司税后利润为准，2024 年上半年合并归属于本行股 东净利润为人民币 354.90 亿元，扣除无固定期 ...

中信银行股份有限公司（简称"本行"）于近日收到《国家金融监督管理总 局关于胡罡中信银行董事任职资格的批复》（金复﹝2024﹞693号），国家金融监 督管理总局已于2024年10月28日核准胡罡先生担任本行执行董事的任职资格。 证券代码：601998 证券简称：中信银行 公告编号：临2024-057 中信银行股份有限公司 关于董事任职资格获核准的公告 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。 鉴于胡罡先生已正式就任本行执行董事，根据本行董事会相关会议决议，胡 罡先生自2024年10月28日起担任本行第七届董事会风险管理委员会委员，详情请 参见本行2024年6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《中信银行股份有限公司董事会会议决议公告》。 特此公告。 中信银行股份有限公司董事会 2024年10月29日 董事会于此正式宣布： 胡罡先生自2024年10月28日起就任本行执行董事，担任本行执行董事期间不 从本行领取任何董事津贴，但将根据其职位按照相关规定 ...

廖子彬 周伯文 王化成 宋芳秀 - 1 - （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 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） 劉成 （行長） 胡罡 非執行董事 曹國強 黃芳 王彥康 獨立非執行董事 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 可持續發展 | 審計與關聯 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 | | | | | | 劉成 | | | | | | | （執行董事，行長） | M | | C | | | | 胡罡 | | | | | | | （執行董事） | | | M | | | | 曹國強 | | | | | | | （非執行董事） | M | | | | | | 黃芳 | | | | | ...

证券代码：601998 证券简称：中信银行 公告编号：临2024-056 贺劲松先生的简历及其他根据有关法律法规须予披露的信息请见本行于 2024年5月24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《中信银行股份有限公司董事会会议决议公告》。 特此公告。 中信银行股份有限公司董事会 2024 年 10 月 22 日 关于副行长任职资格获核准的公告 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。 中信银行股份有限公司（简称"本行"）于2024年5月23日召开董事会会议， 同意聘任贺劲松先生为本行副行长，自监管机构核准其任职资格之日起正式就任。 近日，本行收到《国家金融监督管理总局关于贺劲松中信银行副行长任职资 格的批复》（金复﹝2024﹞673号），国家金融监督管理总局已核准贺劲松先生 本行副行长的任职资格。贺劲松先生自2024年10月18日起正式就任本行副行长。 中信银行股份有限公司 ...

证券代码：601998 证券简称：中信银行 公告编号：临2024- 055 中信银行股份有限公司优先股股息派发实施公告 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。 重要内容提示： 一、通过优先股股息派发方案的董事会会议情况 中信银行股份有限公司（以下简称"本行"）2014年度股东大会审议并通过 了《关于提请股东大会授权董事会办理本次非公开发行优先股相关事宜的议案》， 授权董事会在股东大会审议通过的框架和原则下根据发行方案的约定，决定并办 理向优先股股东支付股息事宜。本行优先股（证券简称：中信优1，证券代码： 360025）2024年度股息派发方案已经本行2024年8月28日召开的董事会会议审议 通过，董事会会议决议公告已于2024年8月29日刊登在上海证券交易所网站 （www.sse.com.cn）和本行网站（www.citicbank.com）。 二、优先股股息派发方案 1、计息期间：2023年10月26日至2024年10月25日。 1 优先股代码：360025 优先股简称：中信优 1 每股优先股派发现金股息人民币 4.0 ...