山山lQ 毕马威 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 东方广场毕马威大楼 邮政编码: 100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 关于上海证券交易所对于申信银行股份高限公司出真 《关于申信银行股份有限公司向原 股股东配售股份申请文件的审核问询函》 毕马威就审核问询函所做回复的专 页说明 上海证券交易所: 毕马威华 辰会计师事务所(特殊普通合伙) (以下简称"本所'或"我们丁接受中信银行 股份有限公司(以下简称"公司"或"发行人")的委托，按照《中国注册会计师审阅准则第 2101 号一一财务报表审阅>> (以下简称"审阅准则丁审阅发行人 2023 30 日的合 并 ...

关于中信银行股份有限公司 向原 A 股股东配售股份申请文件的审核问询函的回复 上海证券交易所： 对贵所于 2023 年 3 月 24 日出具的《关于中信银行股份有限公司向原 A 股 股东配售股份申请文件的审核问询函》（上证上审（再融资）〔2023〕145 号） （以下简称"《问询函》"），中信银行股份有限公司（以下简称"中信银行"或 "发行人"）高度重视，会同联席保荐机构中国国际金融股份有限公司、中信证 券股份有限公司（以下简称"联席保荐机构"）、北京天达共和律师事务所（以 下简称"发行人律师"）、毕马威华振会计师事务所（特殊普通合伙）（以下简称 "毕马威华振"）、普华永道中天会计师事务所（特殊普通合伙）（以下简称"普 华永道"，与毕马威华振合称"会计师"）等有关中介机构进行了认真研究和落 实，并按照问询函的要求对所涉及的事项进行了资料补充和问题回复，现提交 贵所，请予以审核。 除特别说明外，本回复中的简称与《中信银行股份有限公司向原 A 股股东 配售股份配股说明书》中的简称具有相同含义。因四舍五入原因，本回复中所 列出的个别数据可能与所列示的相关单项数据加总计算结果略有不同。 7-1-1 目 录 1、关于高 ...

证券代码：601998 证券简称：中信银行 公告编号：临 2023-063 特此公告。 关于对二级资本债券行使赎回选择权的公告 中信银行股份有限公司董事会 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。 根据本期债券募集说明书相关条款的规定，本期债券在第5年末附有条件的 发行人赎回权，本行有权在2023年9月13日赎回本期债券。 中信银行股份有限公司 截至本公告日，本行已行使赎回权，全额赎回了本期债券。 中信银行股份有限公司（以下简称"本行"）于2018年9月13日在全国银行 间债券市场发行了规模为人民币300亿元的10年期固定利率二级资本债券（以下 简称"本期债券"），详情请参见本行2018年9月14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 公司关于2018年第一期二级资本债券发行完毕的公告》。 2023年9月13日 ...

| 3. 股份分類 | 優先股 | 股份類別 | 其他類別 (請註明) | 於香港聯交所上市 (註1) | 否 | | --- | --- | --- | --- | --- | --- | | 證券代號 | 360025 | 說明 | 境內優先股 | | | | 2. 股份分類 | 普通股 | 股份類別 A | | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 | 601998 | 說明 A股 | | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | 34,084,702,814 | RMB | | 1 | RMB | | 34,084,702,814 | | 增加 / 減少 (-) | | | | | | RMB | | 0 | | 本月底結存 | | 34,084,702,814 | RMB | | 1 | RMB | | 34,084,702,814 | | 1. 股份分類 | 普通股 | 股份類 ...

（在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 董事長，執行董事 方合英 執行董事，行長 劉成 執行董事 郭黨懷 非執行董事 曹國強 黃芳 王彥康 獨立非執行董事 董事名單及彼等角色及職能 中信銀行股份有限公司（「本行」）第六屆董事會（「董事會」）成員如下： 陳麗華 錢軍 廖子彬 周伯文 - 1 - 附註： C：相關董事會委員會主席，M：相關董事會委員會委員 中國 • 北京 2023年9月4日 - 2 - 董事會現有五個委員會。下表提供第六屆董事會成員所屬委員會的委員資料。 董事╱董事會委員會 戰略與 可持續發展 委員會 審計與關聯 交易控制 委員會 風險管理 委員會 提名與薪酬 委員會 消費者權益 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 郭黨懷 （執行董事） M 曹國強 （非執行董事） M 黃芳 （非執行董事） C 王彥康 （非執行董事） M 陳麗華 （獨立非執行董事） M M M 錢軍 （獨立非執行董事） M M M C 廖子彬 （獨立非執行董事） C M M M 周伯文 （獨立非執行董事） M M M ...

本行董事会对周伯文先生的加入表示欢迎。 证券代码：601998 证券简称：中信银行 公告编号：临2023-062 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。 中信银行股份有限公司（以下简称"本行"）于近日收到《国家金融监督管 理总局关于中信银行周伯文任职资格的批复》（金复〔2023〕237号），国家金融 监督管理总局已核准周伯文先生担任本行独立董事的任职资格。 董事会于此正式宣布： 周伯文先生就任本行独立董事，任期自2023年8月31日起，至本行第六届董 事会任期届满之日止。周伯文先生在满足法律法规和本行公司章程规定的情况 下，任期届满可以连选连任。周伯文先生担任独立董事的薪酬按照本行2020年年 度股东大会审议通过的第六届董事会董事津贴政策执行。 周伯文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 2022年11月1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2022年第 ...

Financial Performance - Operating income for the first half of 2023 was RMB 106,174 million, a decrease of 2.05% compared to RMB 108,394 million in the same period of 2022[9]. - Net profit attributable to shareholders for the first half of 2023 reached RMB 36,067 million, representing a growth of 10.89% from RMB 32,524 million in the first half of 2022[9]. - The bank's total assets as of June 30, 2023, amounted to RMB 8,833,297 million, an increase of 3.34% from RMB 8,547,543 million at the end of 2022[12]. - The total amount of loans and advances increased by 4.41% to RMB 5,380,101 million as of June 30, 2023, compared to RMB 5,152,772 million at the end of 2022[12]. - Customer deposits totaled RMB 5,534,683 million, reflecting an increase of 8.54% from RMB 5,099,348 million at the end of 2022[12]. - The bank's return on average total assets (ROAA) improved to 0.85% in the first half of 2023, up from 0.81% in the same period of 2022[10]. - The weighted average return on equity (ROAE) increased to 12.15% in the first half of 2023, compared to 11.82% in the first half of 2022[10]. - The cost-to-income ratio rose to 26.43% in the first half of 2023, up from 24.21% in the same period of 2022[10]. - The net interest margin decreased to 1.85% in the first half of 2023, down from 1.99% in the same period of 2022[10]. Risk Management - The bank did not identify any significant risks that could adversely affect its future development strategy and operational goals during the reporting period[3]. - The report includes a detailed description of the main risks faced by the bank and the measures taken to address them[4]. - The non-performing loan ratio decreased to 1.21% as of June 30, 2023, down from 1.27% at the end of 2022, marking a reduction of 0.06 percentage points[15]. - The provision coverage ratio increased to 208.28% as of June 30, 2023, compared to 201.19% at the end of 2022, reflecting an increase of 7.09 percentage points[15]. - The bank's provision ratio for loans was 2.51% as of June 30, 2023, slightly down from 2.55% at the end of 2022[15]. Capital and Liquidity - The capital adequacy ratio stood at 13.22% as of June 30, 2023, slightly up from 13.18% at the end of 2022, indicating a 0.04 percentage point increase[17]. - The liquidity coverage ratio was 136.16% as of June 30, 2023, down from 168.03% at the end of 2022, a decrease of 31.87 percentage points[19]. - The bank's core tier 1 capital adequacy ratio was 8.85% as of June 30, 2023, an increase of 0.11 percentage points from 8.74% at the end of 2022[17]. Business Strategy and Focus - The bank's strategy focuses on enhancing financial services for small and micro enterprises, private enterprises, and sectors like manufacturing and technology innovation[22]. - The bank is focusing on digital transformation and enhancing its financial technology capabilities to drive business growth[27]. - The bank continues to enhance its loan risk classification management, ensuring compliance with regulatory standards[95]. - The bank's strategy emphasizes support for the real economy and sustainable development amid complex external conditions[147]. Customer and Market Engagement - The bank's total number of corporate clients reached 1,095,500, an increase of 58,200 from the end of the previous year[148]. - The number of small and micro enterprise clients with loan balances reached 274,600, an increase of 31,500 from the end of the previous year[155]. - The bank's affluent and VIP customer base grew to 4.2116 million, a rise of 5.97% compared to the previous year[169]. - The bank's elderly customer base reached 22.2026 million, growing by 6.08% from the end of the previous year[171]. Digital Transformation and Technology - The bank's digital employee for financial derivatives improved pricing efficiency by 10 times, enhancing its position in the foreign exchange market[142]. - The bank's data asset management platform has published over 25,000 enterprise-level data dictionary items, with a 165% year-on-year increase in data service requests[142]. - The bank's mobile banking strategy emphasizes user experience, with multiple upgrades to wealth management services and a unified user identification system for comprehensive financial service[199]. - The bank's digital transformation in private banking aims to establish a personalized service system, enhancing operational efficiency and customer engagement[180]. Asset Management and Investment - The bank's asset management business has established a comprehensive risk management system covering macro, meso, and micro levels, enhancing liquidity and market risk management capabilities[195]. - The bank's wealth management products balance reached CNY 1.19 trillion, with the proportion of third-party fund distribution increasing by 2.17 percentage points to 12.41%[172]. - The bank's wealth management income for the reporting period was CNY 3.635 billion, reflecting strong product performance[138]. Loan and Credit Performance - The total loan amount reached CNY 5,380.10 billion, an increase of CNY 227.33 billion, with a non-performing loan balance of CNY 64.85 billion, down CNY 0.36 billion, resulting in a non-performing loan ratio of 1.21%, a decrease of 0.06 percentage points[126]. - The balance of loans to individual businesses and small enterprises reached CNY 388.39 billion, an increase of CNY 50.59 billion year-on-year, accounting for 23.72% of total personal loans, with an NPL ratio of 0.83%, down 0.01 percentage points[131]. - The bank disposed of NPLs amounting to CNY 39.14 billion during the reporting period, focusing on cash recovery and enhancing disposal efficiency[132]. Corporate Social Responsibility - The cumulative number of accounts for the "CITIC Carbon Account" reached 4.64 million, with a total reduction of 2,833 tons of carbon emissions[176]. - The bank actively supports the "specialized, refined, distinctive, and innovative" enterprises through equity investment and financing solutions[138].

Financial Performance - CITIC Bank reported a net profit of RMB 30.5 billion for the first half of 2023, representing a year-on-year increase of 5.2%[2] - Total profit for the first half of 2023 reached RMB 42,367 million, an increase of 9.44% from RMB 38,711 million in the first half of 2022[10] - Net profit attributable to shareholders for the first half of 2023 was RMB 36,067 million, up 10.89% from RMB 32,524 million in the same period of 2022[10] - Operating income for the first half of 2023 was RMB 105,885 million, a decrease of 2.16% compared to RMB 108,218 million in the same period of 2022[10] - Basic earnings per share for the first half of 2023 were RMB 0.70, an increase of 11.11% from RMB 0.63 in the same period of 2022[10] - The average return on total assets (ROAA) for the first half of 2023 was 0.85%, up from 0.81% in the first half of 2022[10] - The average return on equity (ROAE) for the first half of 2023 was 12.32%, an increase from 11.99% in the same period of 2022[10] - The cost-to-income ratio (excluding taxes and surcharges) for the first half of 2023 was 26.64%, up from 24.33% in the first half of 2022[10] Asset and Deposit Growth - The bank's total assets reached RMB 6.5 trillion as of June 30, 2023, up 8.1% compared to the end of 2022[3] - Customer deposits increased by 6.5% to RMB 5.2 trillion during the reporting period[3] - Total assets as of June 30, 2023, reached RMB 8,833,297 million, an increase of 3.34% from RMB 8,547,543 million at the end of 2022[12] - Customer deposits totaled RMB 5,534,683 million, marking an increase of 8.54% from RMB 5,099,348 million at the end of 2022[12] - The bank's equity attributable to shareholders increased to RMB 690,336 million as of June 30, 2023, up 3.74% from RMB 665,418 million at the end of 2022[12] Loan and Credit Quality - The non-performing loan (NPL) ratio remained stable at 1.5%, indicating effective risk management[3] - The non-performing loan ratio improved to 1.21% as of June 30, 2023, down from 1.27% at the end of 2022[13] - The provision coverage ratio increased to 208.28% as of June 30, 2023, compared to 201.19% at the end of 2022[13] - The credit cost for the first half of 2023 was 1.05%, a decrease from 1.28% in the same period of 2022[10] - The non-performing loan balance was CNY 64.850 billion, a decrease of 0.56% year-on-year, with a non-performing loan ratio of 1.21%[24] Risk Management - The company emphasizes risk management, continuously improving its risk management system to ensure effective risk control and enhance risk-return optimization [19] - The bank's credit risk management focuses on maintaining stable asset quality and increasing the proportion of high-quality clients, with a goal of controlling credit risk within acceptable limits[179] - The bank has established a comprehensive liquidity risk management framework to ensure liquidity needs are met in a timely manner at reasonable costs[184] - The liquidity coverage ratio stands at 136.16%, exceeding the regulatory minimum by 36.16 percentage points, indicating strong capacity to withstand short-term liquidity risks[186] Digital Transformation and Innovation - CITIC Bank plans to expand its digital banking services, aiming for a 20% increase in online customer engagement by the end of 2024[3] - The company has a strong focus on technology-driven innovation, investing in AI, big data, blockchain, and IoT to enhance its competitive edge [20] - The company aims to enhance its digital transformation and operational efficiency through a cloud-native technology framework [20] - The mobile banking app achieved 15.89 million monthly active users, with total assets of 88.45 billion CNY, an increase of 6.84 billion CNY compared to the end of last year[161] Strategic Initiatives - CITIC Bank is focusing on strategic partnerships to enhance its market presence in Southeast Asia[3] - The company aims to become the best comprehensive financial service provider with a vision of being "responsible, warm, distinctive, and valuable" [18] - The company promotes a collaborative ecosystem, focusing on capital markets, technological innovation, and green development to drive high-quality growth [19] International Expansion - The bank's overseas presence includes 31 branches and 2 business centers in locations such as Hong Kong and New York, with plans for further expansion[160] - The London branch's total assets reached 3.55 billion USD, a growth of 10.90% year-on-year, with operating income of 16.95 million USD, up 13.21%[167] Wealth Management and Customer Service - The wealth management strategy focuses on a "customer-centric" approach, enhancing service systems for various customer segments, including mass, affluent, and private banking clients[111] - The bank's private banking business has a total business scale exceeding 80 billion yuan, with a family trust business scale exceeding 60 billion yuan[143] - The number of personal customers reached 132 million, an increase of 3.58% compared to the end of the previous year[136] Compliance and Internal Control - The company has focused on compliance management by continuously promoting the internalization of key regulatory policies and enhancing compliance review for innovative businesses[194] - The company has established 81 assessment units and 262 assessment indicators for money laundering risk self-assessment, covering five dimensions: customers, products, accounts, channels, and regions[196]

证券代码：601998 证券简称：中信银行 编号：临2023-061 一、审议通过《中信银行股份有限公司2023年半年度报告》 表决结果： 赞成7票 反对0票 弃权0票 监事会对《中信银行股份有限公司 2023 年半年度报告》（含半年度报告摘 要，以下简称"半年报"）出具审核意见如下： 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2023年8月7日以书面形式发 出有关会议通知和材料，于2023年8月24日在北京市朝阳区光华路10号院1号楼中 信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，监事刘国岭、李蓉、陈潘武现场参加了会议，监事魏 国斌、孙祁祥、程普升、曾玉芳通过视频参加了会议，本行高级管理人员列席了 会议。经全体监事一致推举，由魏国斌监事主持会议。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。根据表 ...

证券代码：601998 证券简称：中信银行 编号：临2023-060 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 2023 年 8 月 9 日以书面形 式发出有关会议通知和材料，于 2023 年 8 月 24 日在北京市朝阳区光华路 10 号 院 1 号楼中信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、何操、陈丽华、钱军、 廖子彬等 5 名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2023年半年度报告》 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2023年半年度报告》及半年度报告摘要具体内容请 见与本公告同时 ...