近日，2025年中国公共关系发展大会在北京举行。中信银行"未来来信"整合品牌营销活动荣获"2025年 度优秀公共关系案例"。这是中信银行自2024年后蝉联此项荣誉，彰显其品牌建设与创新实践再次获得 行业高度认可。 中信银行"未来来信"入选中国公共关系协会2025年度优秀公共关系案例。 中国公共关系发展大会是由中国公共关系协会主办的权威行业会议，旨在洞察前沿趋势，分享实践经 验，凝聚行业共识。本届大会案例申报数量达282项，申报主体涵盖国家部委、地方政府、央企、金融 机构、地方企业及社会组织等多个领域。 中信银行"未来来信"入选中国公共关系协会2025年度优秀公共关系案例。 中国公共关系发展大会是由中国公共关系协会主办的权威行业会议，旨在洞察前沿趋势，分享实践经 验，凝聚行业共识。本届大会案例申报数量达282项，申报主体涵盖国家部委、地方政府、央企、金融 机构、地方企业及社会组织等多个领域。 中信银行"未来来信"凭借鲜明的行业创新性、扎实的成效与高效的传播策略，赢得评委会的高度评价。 专家指出，该活动针对品牌活动常见的"高曝光、低转化"痛点，创新构建"央媒定基调、社媒覆盖、 KOL种草、用户传播"全域传播体系， ...

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 致：香港交易及結算所有限公司 公司名稱: 中信銀行股份有限公司(「本行」) 呈交日期: 2026年1月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | 是 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00998 | 說明 | H股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 14,882,162,977 | RMB | | 1 | RMB | | 14,882,162,977 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 14,882,162,977 | RMB | | 1 RMB | | | 14,882,162,977 | | 2. 股份分類 | 普通 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年12月31日 狀態: 新提交 FF301 致：香港交易及結算所有限公司 公司名稱: 中信銀行股份有限公司(「本行」) 呈交日期: 2026年1月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | 是 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00998 | 說明 | H股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 14,882,162,977 | RMB | | 1 | RMB | | 14,882,162,977 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 14,882,162,977 | RMB | | 1 RMB | | | 14,88 ...

Investment Rating - The industry rating is maintained at "Overweight" [9][39]. Core Insights - The financial stability report indicates that the asset quality of banks continues to consolidate, with significant progress in resolving debt risks associated with financing platforms and managing risks in small and medium-sized financial institutions [8][36]. - As of the end of 2024, approximately 40% of financing platforms have exited the platform sequence through market-oriented transformations, with the scale of operational financial debt for these platforms around 14.8 trillion yuan, a decrease of about 25% from early 2023 [9][36]. - The average interest rate for newly issued bonds by financing platforms dropped to 2.67% in Q4 2024, a reduction of over 2 percentage points compared to Q1 2023, indicating a significant decrease in financing risk premiums [9][36]. - The overall risk status of national banks is stable, with 71% of the asset scale concentrated in 21 national banks, and the majority of ratings falling within levels 1-5 [9][36]. - The report highlights that there are no "red zone" banks in nine provinces, and the number of "red zone" banks in 13 provinces remains in single digits, indicating a significant reduction in existing risks across most regions [10][36]. Summary by Sections Market Performance - Over the past 12 months, the industry has shown a relative return of -10.7% and an absolute return of 7.0% [6]. Investment Recommendations - The banking sector's profitability is stabilizing at the bottom, with ongoing risk management in key areas such as urban investment and real estate, creating conditions for valuation recovery [12][39]. - In a low-interest-rate environment, the high dividend advantage of bank stocks is expected to continue, highlighting their investment value [12][39]. - Recommended banks include Industrial and Commercial Bank of China, Bank of China, CITIC Bank, Jiangsu Bank, Shanghai Rural Commercial Bank, Chongqing Rural Commercial Bank, and Suzhou Bank [12][39].

Core Viewpoint - CITIC Bank Zhengzhou Branch has successfully launched the "Heart-to-Heart Fertilizer Scene Loan" business, utilizing innovative financial solutions to support the development of enterprises within the agricultural industry chain [1] Group 1: Business Development - The bank formed a dedicated service team to address the pain points of Henan Heart-to-Heart Chemical Industry Group Co., Ltd. and its upstream and downstream distributors, focusing on issues such as financing difficulties and high financing costs [1] - A working mechanism was established, including "exclusive communication groups, real-time connections, rapid responses, and closed-loop progress," to effectively overcome communication barriers and technical adaptation challenges, ensuring timely business implementation [1] Group 2: Strategic Focus - CITIC Bank Zhengzhou Branch is transitioning from a "product-driven" approach to a "scene-based ecological operation," creating a comprehensive service mechanism for key industry clusters [1] - The bank plans to seize opportunities during the peak agricultural production stocking season to expand the coverage of inclusive loans, providing convenient and efficient financial services to entities along the agricultural industry chain [1]

中信银行获评2025 "人民匠心品牌"发布现场。 据悉，此次活动以"匠心铸魂 质启新程"为主题，面向各行业、各领域，旨在发掘各行业中坚持以匠心 推动高质量发展、赢得市场与用户信赖的优秀品牌。其中，"人民匠心品牌"的评选历经多轮审核，从质 量、创新、实力、声誉、效益及责任等多维度进行综合评估。中信银行连续三年脱颖而出体现了其在深 耕金融服务、扎实品牌塑造上始终如一的匠心坚守。 来源：环球网 2025年，中信银行以品牌为引领，持续创新公众沟通模式，通过打造"未来来信"整合品牌营销活动，举 办第三届"信·新"品牌高质量发展论坛，连续第19年冠名赞助"中国网球公开赛"，开展第二届"中信银行 杯"摄影大赛等，以更开放、更多元的姿态连接社会公众，传递品牌温度与责任担当。 近日，"2025人民匠心品牌宣传展示活动"在北京举办。中信银行凭借其持续深化"有温度"的金融服务与 品牌建设，再度获评"人民匠心品牌"，这标志着中信银行成为银行业唯一连续三年获此殊荣的机构，彰 显了其在质量提升、创新引领与社会责任履行等方面的综合实力。 活动当天还发布了"2025建设金融强国创新实践案例库"，中信银行选送的《"五位一体"赋能专精特新高 质 ...

转自：新华财经 2025年12月30日，人民网主办的"2025人民匠心品牌宣传展示活动"在北京举办。中信银行凭借其持续深 化"有温度"的金融服务与品牌建设，再度获评"人民匠心品牌"，这标志着中信银行成为银行业唯一连续三 年获此殊荣的机构，彰显了其在质量提升、创新引领与社会责任履行等方面的综合实力。同期，中信银行 两项创新实践案例成功入选"2025建设金融强国创新实践案例库"，进一步展现其在服务国家战略与实体经 济中的先锋作用。 图为中信银行两大案例入选"2025建设金融强国 图为中信银行获评2025"人民匠心品牌" 本届活动以"匠心铸魂质启新程"为主题，面向各行业、各领域，旨在发掘各行业中坚持以匠心推动高质量 发展、赢得市场与用户信赖的优秀品牌。其中，"人民匠心品牌"的评选历经两个月多轮审核，从质量、创 新、实力、声誉、效益及责任等多维度进行综合评估。中信银行连续三年脱颖而出，体现了其在深耕金融 服务、扎实品牌塑造上始终如一的匠心坚守。 2025年，中信银行以品牌为引领，持续创新公众沟通模式：通过打造"未来来信"整合品牌营销活动，举办 第三届"信·新"品牌高质量发展论坛，连续第19年冠名赞助"中国网球公开赛" ...

Core Viewpoint - CITIC Bank announced a system upgrade maintenance scheduled for January 11, 17, and 25, 2026, from 00:00 to 05:00, which may cause temporary disruptions in mobile banking, personal online banking, WeChat official account, and mini-program services [1] Group 1 - The system upgrade aims to provide better and more convenient services to customers [1] - Customers may experience short interruptions in various banking services during the maintenance period [1] - The bank has provided a 24-hour customer service hotline for inquiries related to the maintenance [1]

Core Viewpoint - In 2025, the Chinese banking industry is undergoing significant regulatory scrutiny characterized by "strict regulation, strong accountability, and zero tolerance," leading to a notable increase in both the quantity and amount of penalties imposed on various banking institutions [1]. Regulatory Penalties Overview - The number of penalties exceeding ten million yuan has reached nearly 30, affecting a wide range of institutions including state-owned banks, policy banks, joint-stock banks, city commercial banks, private banks, and bank-affiliated wealth management subsidiaries [1]. - Penalties are not limited to traditional areas like credit management but also extend to corporate governance, related party transactions, anti-money laundering, data security, and wealth management [2]. Corporate Governance and Compliance - Major state-owned banks such as Bank of China, Industrial and Commercial Bank of China, and Agricultural Bank of China have received substantial fines for issues related to corporate governance and business management [3]. - The largest penalty of the year was imposed on Bank of China, amounting to 97.9 million yuan for various management issues [3]. - Regulatory focus has shifted to deeper issues such as the effectiveness of board responsibilities and the integrity of internal control processes [3]. Compliance and Anti-Money Laundering - There has been an intensified crackdown on compliance, particularly in the anti-money laundering sector, with significant fines imposed on banks for failing to adhere to basic financial management regulations [4]. - For instance, China Merchants Bank was fined 68.07 million yuan for violating 11 regulations related to account management and anti-money laundering [4]. Business Management Issues - The primary reasons for penalties in the banking sector include: - Inadequate management across various business areas such as loans, interbank transactions, and wealth management [6]. - Non-compliance with anti-money laundering responsibilities, including failure to identify customers and report suspicious transactions [7]. - Violations in foreign exchange and investment operations, including illegal currency transactions and improper investment disclosures [8]. - Insufficient implementation of regulatory requirements, leading to non-compliance in data reporting and employee management [9]. Emerging Business Areas - New banking business models, including wealth management subsidiaries and direct banks, have also faced penalties, indicating strict regulatory oversight in these emerging sectors [11]. - For example, a wealth management subsidiary was fined 17.5 million yuan for non-compliance in product information disclosure and post-investment management [12]. Double Penalty System - The implementation of a "double penalty system" has become a significant aspect of regulatory actions, where both institutions and responsible individuals face penalties [13]. - This system aims to link the career prospects of involved personnel directly to the compliance performance of their institutions, thereby enhancing accountability [14]. Summary of Penalties - A detailed overview of penalties reveals that various banks have faced significant fines for a range of compliance failures, with amounts often exceeding ten million yuan [15][16].

Core Viewpoint - The offshore bond market for Chinese entities in 2025 is characterized by "diversification and innovation," with a significant increase in the issuance of offshore RMB bonds as global investors continue to recognize RMB assets [1]. Group 1: Market Overview - The total number of new offshore Chinese bonds underwritten in 2025 reached 1,461, with a total issuance amount of $209.75 billion [1]. - The issuance of offshore municipal bonds totaled 305 bonds, amounting to $28.57 billion, while offshore financial bonds accounted for 817 bonds, totaling $82.49 billion [1]. Group 2: Underwriting Rankings - The top underwriters for offshore Chinese bonds in 2025 were: - Bank of China: 281 bonds, $14.70 billion [3]. - HSBC: 229 bonds, $12.09 billion [3]. - Industrial and Commercial Bank of China: 250 bonds, $8.24 billion [3]. - Citic Securities led in the number of projects underwritten with 496 bonds, followed by Citic Bank with 336 bonds, and Haitong International Securities with 322 bonds [9]. Group 3: Detailed Rankings - The detailed rankings for underwriting amounts and project counts are as follows: - For underwriting amounts: - Bank of China: $14.70 billion [20]. - HSBC: $12.09 billion [20]. - Industrial and Commercial Bank of China: $8.24 billion [20]. - For project counts: - Citic Securities: 496 bonds [9]. - Citic Bank: 336 bonds [9]. - Haitong International Securities: 322 bonds [9]. Group 4: Subcategory Rankings - In the offshore USD bond category, Bank of China led with 135 bonds totaling $7.65 billion, followed by HSBC with 107 bonds at $7.16 billion [29]. - For offshore municipal bonds, Guotai Junan International topped the list with 118 bonds and $2.41 billion, followed by Dongfang Securities with 78 bonds at $1.84 billion [35]. - In the offshore financial bond category, Bank of China again led with 153 bonds totaling $7.45 billion, followed by HSBC with 129 bonds at $5.61 billion [39]. - For offshore green bonds, Bank of China was the leader with 45 bonds totaling $1.96 billion, followed by Industrial and Commercial Bank of China with 51 bonds at $1.88 billion [43].