Core Viewpoint - The event organized by CITIC Bank Nanjing Branch aimed to provide personalized guidance and insights into the latest study abroad trends and application strategies for students and their parents [1] Group 1: Event Overview - CITIC Bank Nanjing Branch held a "Dialogue with Admissions Officers" meeting at Nanjing Foreign Language School Xianlin International High School in late October [1] - The event featured experienced overseas financial experts from CITIC Bank who shared detailed information about the bank's "Youth Journey" education service system and its unique advantages in the overseas financial sector [1] Group 2: Educational Guidance - The meeting included analysis of the latest trends in different study abroad countries and application pathways, helping parents to plan ahead for their children's educational development [1] - Local educational influencers and study abroad agencies were invited to provide comprehensive and personalized guidance on current junior and senior high school admission pathways, enhancing the practicality and relevance of the event [1] Group 3: Future Commitment - CITIC Bank Nanjing Branch emphasized that overseas financial services have become a distinctive brand for the bank, achieving widespread market recognition with the slogan "If you want to study abroad, find CITIC" [1] - The bank plans to continue focusing on customer-centric services, aiming to provide more comprehensive and high-quality "financial + non-financial" integrated services to support more students in achieving broader futures [1]

Group 1 - The core point of the article is that CITIC Bank held a board meeting on October 30, 2025, to review and approve the revision of its compliance management policy [1] - The bank's revenue composition for the first half of 2025 shows that interest income accounted for 137.22%, while non-interest income made up 20.83% [1]

Core Insights - CITIC Bank (601998.SH) reported a total operating revenue of 156.598 billion yuan for the first three quarters of 2025, representing a year-on-year decline of 3.46% [1] - The net profit attributable to shareholders of the parent company was 53.391 billion yuan, showing a year-on-year increase of 3.02% [1] - The basic earnings per share stood at 0.89 yuan [1]

Core Viewpoint - China CITIC Bank (601998.SH) reported a decrease in operating revenue for the first three quarters of 2025, while net profit showed a modest increase [1] Financial Performance - The operating revenue for the first three quarters was 156.598 billion yuan, representing a year-on-year decrease of 3.46% [1] - The net profit attributable to shareholders of the listed company was 53.391 billion yuan, reflecting a year-on-year increase of 3.02% [1] - The net profit attributable to shareholders after deducting non-recurring gains and losses was 52.956 billion yuan, with a year-on-year growth of 2.69% [1] - Basic earnings per share stood at 0.89 yuan [1]

Core Insights - CITIC Bank (601998.SH) reported a total operating revenue of 156.598 billion yuan for the first three quarters of 2025, representing a year-on-year decline of 3.46% [1] - The net profit attributable to shareholders of the parent company was 53.391 billion yuan, showing a year-on-year increase of 3.02% [1] - The basic earnings per share stood at 0.89 yuan [1]

Core Viewpoint - CITIC Bank is a leading joint-stock commercial bank in China, with a diversified financial service capability and a broad customer base, focusing on corporate banking, retail banking, and capital market operations [1] Group 1: Financial Performance - As of Q3 2025, CITIC Bank reported operating revenue of 156.598 billion yuan, ranking third in the industry, surpassing the industry average of 124.31 billion yuan and the median of 108.509 billion yuan [2] - The bank's net profit for the same period was 54.267 billion yuan, also ranking third in the industry, above the industry average of 45.122 billion yuan and the median of 38.339 billion yuan [2] - The composition of revenue includes corporate banking at 49.072 billion yuan (46.40%), retail banking at 40.485 billion yuan (38.28%), and financial market operations at 15.197 billion yuan (14.37%) [2] Group 2: Financial Ratios - CITIC Bank's debt-to-asset ratio as of Q3 2025 was 91.49%, slightly lower than the industry average of 91.55%, indicating a better debt repayment capability compared to peers [3] - The gross profit margin for the same period was 41.78%, which is below the industry average of 43.53%, suggesting room for improvement in profitability [3] Group 3: Shareholder Information - As of June 30, 2025, the number of A-share shareholders decreased by 4.31% to 93,400, while the average number of circulating A-shares held per shareholder increased by 4.51% to 436,200 [5] - The top ten circulating shareholders include China Securities Finance Corporation, holding 1.019 billion shares, and Hong Kong Central Clearing Limited, holding 340 million shares, which saw a decrease of 32.2136 million shares [5] Group 4: Management and Governance - The chairman of CITIC Bank, Fang Heying, has over 30 years of banking experience and has held various significant positions within the bank [4] - The bank is controlled by CITIC Financial Holdings Limited, which is ultimately controlled by CITIC Group Corporation [4] Group 5: Future Outlook - According to Guosen Securities, CITIC Bank's revenue growth is slightly declining, while net profit shows a minor increase, with an expected annualized return on equity (ROE) decreasing year-on-year [5] - The bank's asset quality has slightly improved, with a reasonable provision coverage ratio, and it is expected to maintain a net profit growth of 1.3% to 4.3% from 2025 to 2027 [5][6]

Core Viewpoint - CITIC Bank (601998)(00998) announced a mid-term dividend of 1.88 yuan per 10 shares, to be distributed on December 29, 2025, for the six months ending June 30, 2025 [1] Summary by Category - **Dividend Announcement** - CITIC Bank will distribute a mid-term dividend of 1.88 yuan for every 10 shares [1]

Core Viewpoint - China CITIC Bank (00998) announced a mid-term dividend of HKD 1.88 per 10 shares, to be distributed on December 29, 2025, for the six months ending June 30, 2025 [1] Summary by Category - **Dividend Announcement** - The bank will distribute a mid-term dividend of HKD 1.88 for every 10 shares [1]

Core Insights - CITIC Bank reported a revenue of 156.598 billion yuan for the first three quarters of 2025, a year-on-year decrease of 3.46% [1] - The bank achieved a net profit attributable to shareholders of 53.391 billion yuan, reflecting a year-on-year increase of 3.02% [1] Financial Performance - Total assets reached 9.9 trillion yuan by the end of the third quarter, representing a growth of 3.83% since the beginning of the year [1] - The non-performing loan balance stood at 66.939 billion yuan, an increase of 454 million yuan from the start of the year [1] - The non-performing loan ratio remained stable at 1.16%, unchanged from the beginning of the year [1] - The provision coverage ratio was 204.16%, a decrease of 5.27 percentage points compared to the beginning of the year [1]

本次会议是否有否决议案：无 一、 会议召开和出席情况 (一) 股东大会召开的时间 2025 年 10 月 30 日 证券代码：601998 证券简称：中信银行 公告编号:临2025-076 中信银行股份有限公司 2025年第三次临时股东大会决议公告 本行董事会及全体董事保证本公告内容不存在虚假记载、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： (二) 股东大会召开的地点 北京市朝阳区光华路 10 号院 1 号楼中信大厦 8 层会议室 (三) 出席会议的普通股股东及其持有股份情况 | 1、出席会议的股东和代理人人数 | | 955 | | --- | --- | --- | | 其中：A | 股股东人数 | 953 | | 股） | 境外上市外资股股东人数（H | 2 | | 2、出席会议的股东所持有表决权的股份总数（股） | | 44,028,317,897 | | 其中：A | 股股东持有股份总数 | 36,086,867,313 | 1 | 境外上市外资股股东持有股份总数（H 股） | 7,941,450,584 | | --- | --- | | 3、出席会 ...