Core Viewpoint - CITIC Bank announced its mid-term profit distribution plan for 2025, declaring a cash dividend of RMB 0.188 per share (tax included) for A-shares [2] Summary by Categories Dividend Announcement - The cash dividend of RMB 0.188 per share will be distributed to shareholders [2] - The record date for the dividend is set for November 20, 2025 [2] - The ex-dividend date and the date of cash dividend payment are both scheduled for November 21, 2025 [2]

Core Points - CITIC Bank announced a cash dividend distribution of RMB 0.188 per share (including tax) to all shareholders, based on a total share capital of 55.645 billion shares as of the equity registration date [1] - The total cash dividend payout amounts to RMB 10.461 billion (including tax), with RMB 7.663 billion allocated for A-shares, which total 40.763 billion shares [1] - The cash dividend payment date is set for November 21, 2025 [1]

Core Viewpoint - Several banks in China, including CITIC Bank and China Construction Bank, have announced an increase in the minimum investment threshold for gold accumulation products due to rising gold prices [1] Group 1: Bank Announcements - CITIC Bank will raise the minimum investment amount for its gold accumulation plan from 1,000 yuan to 1,500 yuan starting November 15, 2025 [1] - China Construction Bank will increase its minimum investment amount from 1,000 yuan to 1,200 yuan, effective the same date [1] - Other banks, such as Bank of China, Industrial and Commercial Bank of China, and Ningbo Bank, have also raised their minimum thresholds for gold accumulation products, surpassing the 1,000 yuan mark [1] Group 2: Changes in Investment Structure - Some banks are shifting their gold accumulation product structure from a fixed amount to a model that fluctuates with gold prices [1]

Group 1 - The core point of the announcement is that China CITIC Bank will distribute a cash dividend of RMB 0.188 per share to all shareholders, totaling approximately RMB 10.461 billion, with the record date set for November 20, 2025 [1] - As of the announcement, China CITIC Bank has a market capitalization of RMB 447.9 billion [2] - For the first half of 2025, the bank's revenue composition shows that interest income accounts for 137.22% while non-interest income accounts for 20.83% [1]

证券代码：601998 证券简称：中信银行 公告编号：临2025-078 中信银行股份有限公司 2025年 A 股普通股中期分红派息实施公告 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： 每股分配比例 A 股每股现金红利人民币 0.188元（含税）。 税后每股现金红利：对于自然人股东及证券投资基金股东，本行暂不代扣代 缴其个人所得税，每股派发现金红利人民币 0.188 元，待其转让股票时根据持股期 限计算应纳税额。对于合格境外机构投资者（QFII）和香港市场投资者（包括企 业和个人），本行按 10%税率代扣代缴其所得税，每股派发现金红利人民币 0.1692 元。对于其他 A 股股东（含机构投资者），其所得税由其自行申报缴纳，本行每股 派发现金红利人民币 0.188 元。 二、 分配方案 1. 发放年度 2025年中期 2. 分派对象 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 20 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確 性或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部份內容而產 生或 因依賴該等內容而引致的任何損失承擔任何責任。 中信銀行股份有限公司 China CITIC Bank Corporation Limited （在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 於其他市場發佈的公告 本公告乃根據香港聯合交易所有限公司證券上市規則第 13.10B 條刊登。 证券代码：601998 证券简称：中信银行 公告编号：临2025-078 中信银行股份有限公司 2025年 A 股普通股中期分红派息实施公告 茲載列該公告（於上海證券交易所網站刊登）如下，僅供參閱。 承董事會命 中信銀行股份有限公司 方合英 董事長 中國•北京 2025年11月13日 於本公告日期，本行執行董事為方合英先生（董事長）、蘆葦先生（行長）及胡罡先生；非執 行董事為王彥康先生及付亞民先生；及獨立非執行董事為廖子彬先生、周伯文先生、王化成先 生及宋芳秀女士。 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 ...

Core Insights - The event marked a significant step towards addressing the pain points of the home decoration industry by introducing a transparent new consumption trust system through a "funds custody service" [1][2][5] - The collaboration between CITIC Bank and Lingjiang Decoration aims to enhance consumer trust and ensure the safety of funds in home decoration transactions [1][3] Group 1: Event Overview - The "Transparent New Consumption Creation Demonstration Project and Home Decoration Funds Custody Launch Ceremony" took place in Changzhou, China, with the participation of various media and industry experts [1][2] - The initiative is guided by the China Interior Decoration Association and aims to create a healthier home decoration market [2] Group 2: Industry Challenges and Opportunities - The home decoration market is at a critical juncture, facing both challenges and opportunities, with a national push to optimize the consumption environment and boost consumer confidence [2] - Lingjiang Decoration is taking proactive steps to address core consumer pain points, aiming to eliminate information asymmetry in the industry [2][4] Group 3: Funds Custody Service Details - The funds custody service allows consumers to pay renovation funds into a dedicated account managed by CITIC Bank, ensuring that funds are released only upon meeting specific project milestones [3][4] - This model aims to prevent early fund misappropriation by decoration companies and enhances transparency in fund usage [3][4] Group 4: Commitment to Consumer Rights - The introduction of the funds custody service reflects a commitment to safeguarding consumer rights and ensuring that funds are used appropriately [3][4] - Lingjiang Decoration emphasizes the importance of building long-term trust with consumers, transitioning from a contractor-led to a customer-led approach in the industry [4] Group 5: Symbolic Launch - The launch ceremony was attended by representatives from CITIC Bank, Lingjiang Decoration, and the China Interior Decoration Association, symbolizing the start of a new era in home decoration consumption [5] - The initiative is expected to accelerate the formation of a positive consumption ecosystem based on funds custody [5]

Core Insights - The recent announcement by Inner Mongolia's Tongyu Mengyin Village Bank to cancel its 5-year fixed deposit product marks a significant shift in the banking sector, reflecting a broader trend of declining deposit rates and the market's response to interest rate adjustments [1][3][6] Deposit Rate Trends - Many banks are suspending or lowering the rates on 5-year fixed deposit products, with some banks like China Merchants Bank offering only a 1.3% interest rate for 5-year deposits, which is lower than the 1.4% for 2-year deposits [2][4] - The phenomenon of longer-term deposit rates being lower than shorter-term rates has become common, with several banks reporting that their 5-year deposit rates are less attractive compared to 3-year options [3][5] Market Dynamics - The market for 3-year specialty fixed deposit products is highly competitive, with customers needing to "抢" (grab) limited quotas, indicating a scarcity of available products [1][2] - Banks are adjusting their deposit products in response to market conditions, with some banks increasing the entry thresholds for 3-year deposits, reflecting a shift in customer demand and risk appetite [3][4] Future Outlook - Industry experts predict that deposit rates will continue to decline, driven by banks' need to reduce funding costs and maintain profitability amid shrinking net interest margins [6][7] - The ongoing adjustments in deposit products and rates are seen as necessary for banks to manage their liabilities effectively, especially for smaller banks that may struggle with long-term deposits [8][9]

Core Viewpoint - Several banks are adjusting their gold accumulation business rules in response to fluctuating gold prices, aiming to protect investors and manage market risks [1][3][4]. Group 1: Bank Adjustments - China Construction Bank revised its gold accumulation business rules, effective November 15, 2025, including changes to transaction pricing and large redemptions [1][4]. - The minimum monthly accumulation amount for individual clients at China Construction Bank has been raised to 1,200 yuan, with increments of 10 yuan [1][4]. - CITIC Bank announced an increase in the minimum investment amount for its gold accumulation plan from 1,000 yuan to 1,500 yuan, effective the same date [1][7]. Group 2: Market Conditions - As of November 11, international gold prices reached 4,140 USD per ounce, while domestic prices were at 948.23 yuan per gram [3][9]. - The adjustments by banks reflect increased volatility in gold prices and heightened investment risks, with banks aiming to curb irrational investments by raising thresholds and revising rules [3][8]. Group 3: Pricing Mechanism - China Construction Bank's pricing for gold accumulation includes proactive accumulation price, regular accumulation price, and redemption price, with the latter being based on the active accumulation price at 10:30 AM [5][4]. - The bank reserves the right to adjust the pricing based on market conditions, and the buy-sell spread may vary, impacting transaction costs for clients [5][4]. Group 4: Investor Implications - The increase in thresholds directly limits participation from small investors, while rule optimizations and redemption restrictions may affect liquidity [8]. - The potential risks in gold accumulation business include market liquidity risk, operational risk, and credit risk, especially during periods of price volatility [8][9].

中信银行"云企会"综合服务体系，从"人-家-企-社"四个纬度整体考量、量身定制，提供全方 位、个性化、稀缺性的综合金融及非金融服务，以"有温度"的服务满足客户全方位需求，践 行"让财富有温度"的品牌理念。 中信银行"云企会"依托强大的中信集团综合化平台，充分运用中信集团金融和实业协同并举 的优势，中信银行作为中信集团最大的金融子公司，联合中信证券、中信建投证券、中信信 托、中信保诚人寿等公司组建"中信联合舰队"，提供"一点接入、全集团响应"的综合金融服 务。 ...