Core Viewpoint - CITIC Bank has officially approved the appointment of Jin Xinian as the Chief Risk Officer, effective from December 2, 2025, following the resignation of the previous officer, Hu Gang, due to work adjustments [1][3]. Group 1: Appointment Details - The appointment of Jin Xinian was based on a board resolution made on September 28, 2023, which also confirmed Hu Gang's continued role as Vice President [3]. - Jin Xinian currently holds multiple positions, including member of the Party Committee, Vice President, Chief Risk Officer, and General Manager of the Credit Execution Department [3]. Group 2: Professional Background - Jin Xinian, born in March 1971, has 32 years of extensive experience in the Chinese banking industry and holds an MBA from Shanxi University of Finance and Economics, along with a senior economist title [3]. - His career began at Agricultural Bank of China, where he held various positions from July 1993 to March 2017, including Deputy General Manager of the Major Client Department [3]. Group 3: Recent Roles - Since joining CITIC Bank in March 2017, Jin has served as General Manager of the Investment Banking Department and the Corporate Banking Department, and later as Party Secretary and President of the Guangzhou Branch [3]. - He was appointed General Manager of the Credit Execution Department in November 2024 and became a member of the Party Committee in April 2025, subsequently promoted to Vice President in August 2025 [3]. Group 4: Management Structure - CITIC Bank's senior management team includes the President, multiple Vice Presidents, a Business Director, and a Board Secretary, reflecting a trend in the industry where many banks have a Chief Risk Officer [4]. - The bank's risk governance is integrated into its top-level design, aligning with the industry standard of having a comprehensive risk management framework [4].

Core Viewpoint - CITIC Bank has been awarded the "Bank of the Year China 2025" by The Banker magazine, marking its second win since 2017, highlighting its achievements in high-quality development and its leading position in the commercialization and internationalization of China's banking industry [1] Group 1: Awards and Recognition - The Banker magazine's annual awards are considered one of the most prestigious in the global banking industry, often referred to as the "Oscars" of banking [1] - CITIC Bank's brand value reached $16.95 billion, with a year-on-year increase of 27.2%, making it the fastest-growing bank brand in mainland China according to Brand Finance [1] Group 2: Innovation and Services - The bank has been recognized for its innovative practices addressing social issues and evolving customer needs, creating a comprehensive product and service matrix across retail, corporate, and financial markets [2] - Initiatives include the "Pillar of Elderly" product for senior clients and the "Latte Plan" fixed-income product for younger customers, reflecting a deep understanding of societal changes in China [2] - CITIC Bank has made significant strides in corporate services, including merger loans and underwriting for innovative financial bonds, while also developing over 80 intelligent application scenarios through its proprietary "Cangjie" AI platform [2] Group 3: Financial Performance - As of the end of Q3 2025, CITIC Bank reported total assets of 989.81 billion yuan and a non-performing loan ratio of 1.16%, indicating stable asset quality [3] - For the first nine months of 2025, the bank achieved operating income of 156.598 billion yuan and a net profit of 53.391 billion yuan, maintaining stable profitability [3] - CITIC Bank's ESG rating improved to the global best AAA level as per MSCI's September 2025 report [3] Group 4: Future Outlook - CITIC Bank aims to leverage this international recognition as a new starting point to maintain strategic focus and continue promoting high-quality development while fulfilling its responsibility to serve the real economy and enhance social welfare [3]

近日，本行收到《国家金融监督管理总局关于金喜年中信银行风险总监任职资格的批复》（金复 ﹝2025﹞686号），国家金融监督管理总局已核准金喜年先生本行风险总监的任职资格。金喜年先生自 2025年12月2日起正式就任本行风险总监。 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董事会 中信银行股份有限公司（以下简称本行）于2025年9月28日召开董事会会议，同意聘任金喜年先生为本 行风险总监，自监管机构核准其风险总监任职资格之日起正式就任。 证券代码：601998 证券简称：中信银行公告编号：临2025-082 金喜年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2025年9月29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》。 中信银行股份有限公司 特此公告。 关于风险总监任职资格获核准的公告 2025年12月3日 ...

Core Insights - CITIC Bank has been awarded "Bank of the Year China 2025" by The Banker magazine, marking its second win after 2017, highlighting its significant achievements in high-quality development and its leading position in the commercialization and internationalization of China's banking industry [1][2] Group 1: Awards and Recognition - The Banker magazine's annual awards are considered one of the most prestigious in the global banking sector, often referred to as the "Oscars" of banking [1] - CITIC Bank's brand value reached $16.95 billion, with a year-on-year increase of 27.2%, making it the fastest-growing bank in brand value in mainland China according to Brand Finance [1] Group 2: Innovations and Services - The bank has implemented a comprehensive product and service matrix that spans retail, corporate, and financial markets, addressing the full lifecycle needs of customers [2] - Innovations include the "Pillar of Elderly Support" project for senior clients and the "Latte Plan" fixed-income product for younger customers, reflecting a deep understanding of changing social structures [2] - CITIC Bank has made breakthroughs in corporate services, including merger loans and the underwriting of technology innovation bonds, while also developing over 80 intelligent application scenarios through its proprietary "Cangjie" AI platform [2] Group 3: Financial Performance and Future Outlook - As of the end of Q3 2025, CITIC Bank reported total assets of 9,898.128 billion yuan and a non-performing loan ratio of 1.16%, indicating stable asset quality [2] - The bank aims to leverage this international recognition as a new starting point to maintain strategic focus and promote high-quality development, while contributing to the modernization of China's financial sector [3]

Group 1 - The core viewpoint of the articles highlights that CITIC Bank has been awarded the "Bank of the Year China 2025" by The Banker magazine, marking its second win since 2017, which underscores the importance of brand building as a core competitive advantage in the financial sector [1] - CITIC Bank's brand value reached $16.95 billion, a 27.2% year-on-year increase, making it the fastest-growing bank brand in mainland China according to Brand Finance [1][2] - The bank's operational performance for the first nine months of 2025 included revenues of 156.598 billion yuan and net profits of 53.391 billion yuan, with total assets nearing 10 trillion yuan, demonstrating a strong correlation between brand strength and financial performance [2][3] Group 2 - Brand building has been integrated into national strategy, with the State-owned Assets Supervision and Administration Commission emphasizing the importance of brand management as a key performance indicator for state-owned enterprises [3] - CITIC Bank has developed a comprehensive product and service matrix that spans various sectors, including retail and corporate banking, supported by digital empowerment and innovation [4][5] - The bank's digital transformation strategy has seen technology investments exceed 5% of revenue, positioning it as a leader in the industry [5][6] Group 3 - CITIC Bank's brand philosophy emphasizes humanistic care, aiming to create emotional resonance with customers and contribute to social value beyond mere commercial functions [7][8] - The bank has implemented various initiatives to support financial inclusion, such as providing credit support to small and micro enterprises and launching healthcare projects for underprivileged children [8][9] - Cultural engagement activities, including partnerships with sports and art initiatives, have enhanced the bank's brand appeal and established emotional connections with the audience [9][10] Group 4 - The bank's commitment to integrating brand building into its core operations and prioritizing customer experience reflects its dedication to contributing positively to society and the economy [10]

Core Insights - The Guangdong Provincial Government has recognized the outstanding performance of the International Business Department of CITIC Bank Guangzhou Branch in promoting the construction of the Guangdong-Hong Kong-Macao Greater Bay Area [1] - CITIC Bank Guangzhou Branch has developed an efficient and convenient cross-border payment system to facilitate the integration of the Greater Bay Area [1] Group 1 - CITIC Bank Guangzhou Branch's automated remittance product addresses the pain points of traditional cross-border remittance processes, reducing the time from T+1 to T+0, and in some cases to just a few minutes [1] - As of November 2025, the automation rate for incoming remittances at CITIC Bank Guangzhou Branch is expected to reach 32.7%, with approximately $30 billion processed through automated systems [1] - The bank has implemented high-level facilitation pilot policies to simplify foreign exchange payment procedures, significantly reducing the average processing time for a single payment from 2.5 hours to 8 minutes for a chemical company [1] Group 2 - CITIC Bank Guangzhou Branch aims to continue serving the real economy by deepening cooperation with UnionPay, clearing institutions, and peers to promote payment connectivity in the Greater Bay Area [2] - The bank is committed to contributing to high-quality regional economic development and supporting a new round of high-level opening-up [2]

近日，一张漂洋过海且含金量十足的榜单"造访"了中国银行业。在这个被视为"银行业奥斯卡"的 2025年度评选中，中信银行站上C位，荣膺"2025年中国年度银行"。该份榜单是国际专业财经媒体英国 《银行家》（The Banker）对于中信银行近年来在服务实体经济领域一系列创新实践的认同与褒奖，在 历届榜单中，工商银行、农业银行等国有大行和几家头部股份制银行也曾斩获该年度银行奖项。 那么，包括中信银行在内的中国银行业金融机构的"小金人"究竟是如何炼成的？其实，问道银行品 牌的"铸金之径"，其意义并不局限于银行业自身的品牌建设与发展，而是期待在新一轮科技革命浪潮奔 涌、"十五五"宏伟蓝图徐徐展开、建设金融强国旌旗猎猎的大时代，找到银行业赋能实体经济高质量发 展的"最优解"。 信立根 银行自诞生之初，便与"信用"血脉相连。 现代银行所从事的金融业务的本质是信用，而品牌的根基同样在于信任。在经济社会深刻变革的当 下，"信"如同数学中无数个"0"前面最关键的"1"，不仅是银行自身的发展根基，也是金融强国战略下品 牌建设的发展起点。 中信银行显然深谙此道，将"信"融入品牌基因。从"让财富有温度"的品牌主张，到"信·新"品牌论 ...

Core Insights - The 10th "Maker China" National Finals for small and medium-sized enterprises (SMEs) innovation and entrepreneurship competition was held in Zhengzhou, gathering representatives from various sectors including enterprises, financial institutions, and research institutes [1][2] - CITIC Bank participated as a financial service partner, providing insights on the "14th Five-Year Plan" and macroeconomic outlook, while also facilitating various financial and project matching activities [1][2] Group 1 - CITIC Bank focuses on high-quality development and leverages the full financial license advantages of CITIC Group to empower technology innovation enterprises [2] - The bank offers a comprehensive financial service solution for technology enterprises throughout their lifecycle, from seed stage to IPO, emphasizing services beyond just credit [2] - Customized products for tech enterprises include "Tech e-loan," "Xiaotianyuan" digital management platform, and various other financial services aimed at enhancing enterprise growth [2] Group 2 - As the financial cooperation bank for the 2025 "Maker China" competition, CITIC Bank aims to support over 4,000 participating enterprises and connect with more than 1,600 service providers across emerging fields like artificial intelligence [2] - The Zhengzhou branch of CITIC Bank will continue to follow up on the competition's outcomes, enhancing financial services and innovation results conversion, while strengthening collaborations with local governments and investment institutions [2] - The bank aims to enrich the connotation of technology innovation financial services, contributing to the growth of technology enterprises in Henan province [2]

Core Viewpoint - CITIC Bank has been awarded the "Bank of the Year China 2025" by The Banker magazine, marking its second win since 2017, highlighting its significant achievements in high-quality development and its leading position in the commercialization and internationalization of China's banking industry [1] Group 1: Awards and Recognition - The Banker magazine's annual awards are considered one of the most prestigious in the global banking industry, often referred to as the "Oscars" of banking [1] - CITIC Bank's brand value reached $16.95 billion, with a year-on-year increase of 27.2%, making it the financial institution with the highest brand value growth among mainland Chinese banks [1] Group 2: Innovation and Services - The bank has developed a comprehensive product and service matrix that spans retail, corporate, and financial markets, addressing the full lifecycle needs of customers [1] - Innovations include the "Pillar of Retirement" product for elderly clients and the "Latte Plan" fixed-income product for younger customers, reflecting a deep understanding of societal changes in China [1] - CITIC Bank has made breakthroughs in corporate services, such as merger loans and technology innovation bond underwriting, while also enhancing its AI capabilities with the "Cangjie" platform, which supports over 80 intelligent application scenarios [1] Group 3: Financial Performance - As of the end of Q3 2025, CITIC Bank reported total assets of 9,898.128 billion yuan and a non-performing loan ratio of 1.16%, indicating stable asset quality [1] - For the first nine months of 2025, the bank achieved operating income of 156.598 billion yuan and a net profit of 53.391 billion yuan, maintaining stable profitability [1] - CITIC Bank's ESG rating improved to the global best AAA level as of September 2025, according to MSCI [1] Group 4: Future Outlook - CITIC Bank aims to leverage this international recognition as a new starting point to maintain strategic focus and promote high-quality development amid complex internal and external environments [1] - The bank is committed to serving the real economy and enhancing social welfare, contributing to the modernization of China's financial landscape with a responsible and value-driven approach [1]

Core Viewpoint - CITIC Bank has been awarded the "Bank of the Year China 2025" by The Banker magazine, marking its second win since 2017, highlighting its significant achievements in high-quality development and its leading position in the commercialization and internationalization of China's banking industry [1] Group 1: Awards and Recognition - The Banker magazine's annual awards are considered one of the most prestigious in the global banking industry, often referred to as the "Oscars" of banking [1] - CITIC Bank's brand value reached $16.95 billion in 2025, with a year-on-year increase of 27.2%, making it the financial institution with the highest brand value growth among mainland Chinese banks [1] Group 2: Innovation and Services - The bank has been recognized for its innovative practices addressing social issues and evolving customer needs, creating a comprehensive product and service matrix across retail, corporate, and financial markets [2] - CITIC Bank has launched various initiatives, such as the pension support products for elderly clients and the "Latte Plan" fixed-income products for younger customers, demonstrating a deep understanding of societal changes [2] - The bank has made significant breakthroughs in corporate services, including merger loans and the underwriting of technology innovation bonds, while also developing over 80 intelligent application scenarios through its proprietary "Cangjie" AI platform [2] Group 3: Financial Performance and Future Outlook - As of the end of Q3 2025, CITIC Bank reported total assets of 9,898.128 billion yuan and a non-performing loan ratio of 1.16%, indicating stable asset quality [3] - For the first nine months of 2025, the bank achieved operating income of 156.598 billion yuan and a net profit of 53.391 billion yuan, maintaining stable profitability [3] - CITIC Bank aims to leverage this international recognition as a new starting point to continue promoting high-quality development and fulfilling its responsibility to serve the real economy and enhance social welfare [3]