证券代码：601998 证券简称：中信银行 公告编号：临2025-067 中信银行股份有限公司 2025 年中期利润分配方案公告 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： 一、利润分配方案内容 以按照中国会计准则编制的财务报表中母公司税后利润为准，2025 年上半 年中信银行股份有限公司（以下简称本行）合并归属于本行股东净利润为人民币 364.78 亿元，扣除无固定期限资本债券利息人民币 24.06 亿元（已于 2025 年 4 月 26 日发放）后，合并后归属于本行普通股股东净利润为人民币 340.72 亿元， 截至 2025 年 6 月 30 日，本行母公司报表中期末未分配利润为人民币 3,334.92 亿元。 综合考虑财务、资本状况等因素，本行拟向全体普通股股东派发中期现金股 息，以本次分红派息的股权登记日登记的总股本为基数，向股权登记日登记在册 的 A 股股东和 H 股股东每 10 股派发现金股息 1.88 元人民币（含税），按截至 2025 年 6 月 30 日本行 A 股和 H 股总股本数 55 ...

Performance Summary - China People's Insurance Group reported revenue of 324.12 billion yuan, a year-on-year increase of 10.87%, and a net profit of 26.67 billion yuan, up 13.98% [1] - China Life Insurance recorded revenue of 239.49 billion yuan, a 2.2% increase, with a net profit of 40.93 billion yuan, growing by 6.9% [1] - CNOOC's revenue was approximately 207.61 billion yuan, down 8.45%, with net profit around 69.5 billion yuan, a decrease of 13% [2] - Meituan's revenue reached 178.40 billion yuan, up 14.7%, but adjusted net profit fell by 41% to 12.44 billion yuan [3] - CITIC Bank's revenue was 105.43 billion yuan, down 2.96%, while net profit increased by 2.8% to 36.48 billion yuan [3] - Fosun International's revenue decreased by 10.8% to 87.28 billion yuan, with net profit down 8.2% to 0.66 billion yuan [3] - New Hope Energy reported revenue of 55.67 billion yuan, a 2% increase, but net profit decreased by 5.6% to 2.43 billion yuan [4] - China Cinda's revenue was 34.36 billion yuan, down 2%, while net profit increased by 5.8% to 2.28 billion yuan [5] - China Orient Group's revenue decreased by 12% to 19.86 billion yuan, but net profit surged by 116% to 0.20 billion yuan [6] - Shimao Group's revenue fell by 49% to 14.80 billion yuan, with a net loss of 8.93 billion yuan, narrowing by 61% [7] - Chongqing Steel's revenue was approximately 13.08 billion yuan, down 13.26%, with a net loss of 0.13 billion yuan, narrowing by 81% [8] - United Group's revenue increased by 197.3% to 12.08 billion yuan, with a net profit of 1.69 billion yuan, reversing from a loss of 0.21 billion yuan [9] - Chow Sang Sang's revenue decreased by 2.5% to 11.04 billion yuan, while net profit increased by 71.4% to 0.90 billion yuan [10] - Tianhong International's revenue was 11.03 billion yuan, down 1.86%, with net profit rising by 53.33% to 0.42 billion yuan [11] - Meidong Automotive's revenue fell by 4.9% to 10.14 billion yuan, with a net loss of approximately 0.82 billion yuan, expanding by about 29 times [12] - Jian Sha Tsui's revenue was 8.24 billion yuan, down 6.6%, with net profit of 2.33 billion yuan, a decrease of 7.06% [13] - Sino Land's revenue decreased by 6.64% to 8.18 billion yuan, with net profit down 8.7% to 4.02 billion yuan [14] - Xinyi International's revenue was 8.10 billion yuan, down 5.7%, with net profit of 0.14 billion yuan, a decrease of 19.22% [15] - Fuyao Glass reported revenue of approximately 7.74 billion yuan, down 27.7%, with net profit of approximately 0.26 billion yuan, a decrease of 82.6% [16] - Tianjin Port Development's revenue increased by 3% to 6.95 billion yuan, while net profit decreased by 17.3% to 0.35 billion yuan [17] - Guotai Junan International's revenue was approximately 2.83 billion yuan, up 30%, with net profit of approximately 0.55 billion yuan, a growth of 182% [21] - IGG's revenue decreased by 0.5% to 2.72 billion yuan, with net profit down 2.85% to 0.32 billion yuan [22] - China Aircraft Leasing's revenue was 2.40 billion yuan, down 4.86%, while net profit increased by 6.66% to 0.14 billion yuan [22] - China Orient Education's revenue increased by 10.2% to 2.19 billion yuan, with net profit rising by 48.4% to 0.40 billion yuan [23] Corporate News - China Shengmu signed a new procurement framework agreement with Yiyingmei Dairy for milk powder [24] - Rongchang Bio's clinical trial for Taitasip in treating IgA nephropathy reached its primary endpoint in Phase III [24] - China Huaxing's Bagua City project is expected to start construction in October, with completion by the end of 2026 [24] Buyback Activities - Tencent Holdings repurchased 909,000 shares for 550 million HKD at prices between 596-614.5 HKD [24] - HSBC repurchased 1.5472 million shares for approximately 156 million HKD at prices between 100.2-101.5 HKD [24] - Hang Seng Bank repurchased 210,000 shares for approximately 23.49 million HKD at prices between 111.5-112.2 HKD [24] - MGM China repurchased 1 million shares for approximately 16.02 million HKD at prices between 15.92-16.13 HKD [24]

Core Insights - CITIC Bank reported a net profit of 36.478 billion yuan for the first half of 2025, representing a year-on-year increase of 2.78% [2] - The bank's operating income was 105.762 billion yuan, showing a year-on-year decline of 2.99% [2] - The proposed cash dividend is 1.88 yuan per 10 shares, with a mid-year dividend payout ratio increased to 30.7% [2] Financial Performance - Net interest income for the first half was 71.201 billion yuan, down 1.94% year-on-year [2] - Non-interest income reached 34.561 billion yuan, a decrease of 5.08% year-on-year [2] - In Q2, net profit attributable to shareholders grew by 4.11% year-on-year, with operating income declining by 2.28%, a smaller drop compared to Q1 [2] Asset Quality - As of June 30, the non-performing loan (NPL) balance was 67.134 billion yuan, an increase of 0.98% from the end of the previous year [3] - The NPL ratio remained stable at 1.16% [3] - The provision coverage ratio was 207.53%, down 1.90 percentage points from the end of the previous year [3] Loan Growth - New personal loans issued (excluding credit cards) totaled 395.705 billion yuan in the first half [4] - Personal mortgage loans amounted to 117.290 billion yuan, reflecting a year-on-year growth of 19.61% [4] - The total balance of personal loans (excluding credit cards) was 1.830374 trillion yuan, an increase of 149.62 billion yuan from the end of the previous year [4] Profitability Metrics - As of June 30, the net interest margin was 1.63%, down 0.14 percentage points year-on-year [5] - The net profit margin was 1.60%, a decrease of 0.11 percentage points year-on-year [5] - The return on interest-earning assets was 3.33%, down 0.50 percentage points year-on-year [5] Capital Adequacy - The capital adequacy ratio stood at 13.47%, an increase of 0.11 percentage points from the end of the previous year [5] - The Tier 1 capital adequacy ratio was 10.94%, down 0.32 percentage points [5] - The core Tier 1 capital adequacy ratio was 9.49%, a decrease of 0.23 percentage points [5]

中信银行股份有限公司 二〇二五年半年度报告 （A股 股票代码 601998） 2025年8月27日 中信银行 2025 年半年度报告（A 股） 重要提示 本行董事会、监事会及董事、监事、高级管理人员保证本行2025年半年度报 告内容的真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担 个别和连带的法律责任。 本行董事会会议于2025年8月27日审议通过了本行2025年半年度报告全文及 摘要，会议应出席董事9名，实际出席董事9名。本行监事和高级管理人员列席了 本次会议。 中期利润分配预案：本报告第三章"公司治理、环境和社会－2025年中期利 润分配"披露了经董事会审议通过的，拟提交临时股东大会审议的2025年中期利 润分配方案，每10股派发现金股息1.88元人民币（含税）。本行2025年上半年不 进行资本公积金转增股本。 本行根据中国会计准则和国际财务报告会计准则编制的2025年中期财务报告， 已经毕马威华振会计师事务所（特殊普通合伙）和毕马威会计师事务所分别根据 中国和香港审阅准则审阅。 本行董事长、执行董事方合英，执行董事、行长（主管财会工作负责人）芦 苇，财务会计部负责人康超，声明并保证本行2 ...

招商优质成长混合型证券投资基金 (LOF)2025 年中期报告 基金管理人：招商基金管理有限公司 基金托管人：中信银行股份有限公司 送出日期：2025 年 8 月 28 日 招商优质成长混合型证券投资基金(LOF)2025 年中期报告 基金管理人的董事会及董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗 漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。本中期报告已经三分之二 以上独立董事签字同意，并由董事长签发。 基金托管人中信银行股份有限公司根据本基金合同规定，于 2025 年 8 月 27 日复核了本 报告中的财务指标、净值表现、利润分配情况、财务会计报告、投资组合报告等内容，保证 复核内容不存在虚假记载、误导性陈述或者重大遗漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定 盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅 读本基金的招募说明书及其更新。 本报告中财务资料未经审计。 本报告期自 2025 年 1 月 1 日起至 6 月 30 日止。 第 1 页 共 48 页 招商优质成长混合型证券投资基金(LOF)20 ...

Group 1 - The core point of the article is that CITIC Bank reported a decline in operating revenue for the first half of the year, while net profit showed a slight increase [1] - The bank achieved operating revenue of 105.76 billion yuan, a year-on-year decrease of 2.99% [1] - The net profit attributable to shareholders was 36.48 billion yuan, reflecting a year-on-year growth of 2.78% [1] Group 2 - Basic earnings per share were reported at 0.62 yuan [1] - The company proposed a cash dividend of 1.88 yuan per 10 shares (including tax) [1]

Core Viewpoint - CITIC Bank reported a slight decline in operating income but achieved a year-on-year increase in net profit, indicating resilience in its financial performance [1][2]. Financial Performance - Operating income for the first half of 2025 was CNY 105.76 billion, a decrease of 2.99% compared to the same period in 2024 [4]. - Net profit attributable to shareholders reached CNY 36.48 billion, reflecting a year-on-year growth of 2.78% [1][4]. - Interest income was CNY 71.20 billion, down 1.94% year-on-year, while non-interest income was CNY 34.56 billion, down 5.08% [3][4]. Dividend Policy - CITIC Bank plans to enhance its mid-term dividend policy, aiming for a payout ratio of 30.7% for the 2025 mid-term dividend [2][7]. - The bank will distribute a cash dividend of CNY 1.88 per share, totaling approximately CNY 10.46 billion, which represents 28.68% of the net profit attributable to shareholders for the mid-term [7]. Asset Quality - As of the end of the reporting period, CITIC Bank's total assets reached CNY 9.86 trillion, an increase of 3.42% from the previous year [5]. - The non-performing loan balance was CNY 67.13 billion, with a non-performing loan ratio of 1.16%, remaining stable compared to the previous year [5]. Business Growth - The total loans and advances (excluding accrued interest) amounted to CNY 5.80 trillion, reflecting a growth of 1.43% year-on-year [5]. - Customer deposits (excluding accrued interest) totaled CNY 6.10 trillion, marking a year-on-year increase of 5.69% [5][6].

Core Viewpoint - CITIC Bank reported a net profit of 36.478 billion yuan for the first half of 2025, marking a year-on-year increase of 2.78%, while operating income decreased by 2.99% to 105.762 billion yuan [1] Financial Performance - The bank's total assets reached 985.8466 billion yuan, a growth of 3.42% compared to the end of the previous year [1] - The total loans and advances amounted to 580.19 billion yuan, increasing by 1.43% year-on-year [1] - Customer deposits totaled 610.6907 billion yuan, reflecting a year-on-year growth of 5.69% [1] Asset Quality - The non-performing loan balance stood at 67.134 billion yuan, an increase of 649 million yuan or 0.98% from the previous year [1] - The non-performing loan ratio remained stable at 1.16% compared to the end of the previous year [1] - The provision coverage ratio was 207.53%, down by 1.90 percentage points from the end of the previous year but up by 0.42 percentage points from the first quarter [1] Credit Structure Optimization - CITIC Bank has focused on aligning credit structure adjustments with national strategies, increasing lending to key sectors of the real economy [2] - The loan balances for green credit, manufacturing mid-to-long term, private economy, strategic emerging industries, and inclusive small and micro enterprises were 701.415 billion yuan, 348.537 billion yuan, 1,429.220 billion yuan, 679.836 billion yuan, and 630.610 billion yuan, with growth rates of 16.79%, 15.94%, 6.08%, 5.57%, and 5.13% respectively [2] Technological and Financial Innovations - The bank expanded its technology finance branches to 21 and introduced new products such as technology achievement transformation loans and intellectual property financing loans, with technology enterprise loans growing by 8.14% [3] - Green finance initiatives included the launch of a green low-carbon service platform, with green credit surpassing 700 billion yuan, growing by 16.79% [3] - Inclusive finance efforts supported small and micro enterprises, with significant growth in inclusive loans and agricultural loans [3] Wealth and Financing Management - Retail management assets reached 4.99 trillion yuan, a growth of 6.52% year-on-year, as part of the bank's "retail first strategy" [4] - The comprehensive financing balance was 14.78 trillion yuan, increasing by 3.43% from the previous year [4] - The bank is enhancing its digital banking capabilities through a strategy focused on innovation and integration of technology [4] Shareholder Returns - CITIC Bank plans to increase its mid-term dividend payout ratio to 30.7% for the 2025 fiscal year, following a trend of improving the timeliness and stability of cash dividends [4] - The bank's A-shares and H-shares saw price increases of 22% and 43% respectively in the first half of 2025 [4]

截至报告期末，中信银行不良贷款余额671.34亿元，比上年末增加6.49亿元，增长0.98%；不良贷款率 1.16%，与上年末持平；拨备覆盖率207.53%，比上年末下降1.90个百分点，较一季度上升0.42个百分 点。 为更好回报投资者，提高现金分红的及时性、稳定性，中信银行表示，在去年实施中期分红的基础上， 着力推动中期分红常态化，拟将2025年度中期分红比例提升至30.7%，进一步提升投资者回报预期及投 资信心。 截至报告期末，中信银行资产总额98584.66亿元，比上年末增长3.42%。贷款及垫款总额58019.00亿 元，比上年末增长1.43%；客户存款总额61069.07亿元，比上年末增长5.69%。 信贷结构方面，截至报告期末，中信银行绿色信贷、制造业中长期、民营经济、战略性新兴产业和普惠 小微等实体经济重点领域贷款余额分别为7014.15亿元、3485.37亿元、14292.20亿元、6798.36亿元和 6306.10亿元，增幅分别为16.79%、15.94%、6.08%、5.57%和5.13%。零售业务层面，截至报告期末， 中信银行零售管理资产余额（含市值）达4.99万亿元，较上年末增长6 ...

免責聲明 | | | EF002 | | --- | --- | --- | | 代扣所得稅信息 | | | | 股息所涉及的代扣所得稅 | 有待公佈 | | | 發行人所發行上市權證/可轉換債券的相關信息 | | | | 發行人所發行上市權證/可轉換債券 | 不適用 | | | 其他信息 | | | | 可就部分股息行使貨幣選擇權只適用於香港中央結算(代理人)有限公司。 | | | | 發行人董事 | | | | 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； | | | 第 2 頁 共 2 頁 v 1.1.1 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。 | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | 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，概不對因 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中信銀行股份有限公司 | | 股份代號 | 0099 ...