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。 承董事會命 中信銀行股份有限公司 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。 茲載列該公告（於上海證券交易所網站刊登）如下，僅供參閱。 方合英 董事長 中國•北京 2025年8月15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 行董事為黃芳女士及王彥康先生；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。 证券代码：601998 证券简称：中信银行 公告编号：临2025-061 中信银行股份有限公司 关于召开 2025 年半年度业绩发布会的公告 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 ...

董事會會議召開日期 中信銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，董事會將於二零二五年八 月二十七日（星期三）舉行董事會會議，以考慮及通過（包括其他事項）本行及其附屬公司 截至二零二五年六月三十日止的六個月的中期業績和建議派發中期股息（如有）。 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，概不對因本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。 998 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8月15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 執行董事為黃芳女士及王彥康先生；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。 ...

Investment Rating - Investment rating: Positive (maintained) [1] Core Viewpoints - Credit and social financing growth are diverging, with financial support for the real economy shifting from indirect financing (loans) to direct financing, primarily through government bonds [4] - The increase in social financing in July was mainly driven by government bonds, with a notable increase of 1.24 trillion yuan, the highest for the month in many years [4] - The report highlights a trend of deposits moving from residents to non-bank financial institutions, indicating a shift in risk appetite among investors [5] Summary by Sections Credit Market Analysis - In July, RMB loans decreased by 50 billion yuan, a year-on-year reduction of 310 billion yuan, with a balance growth rate of 6.9%, down 0.2 percentage points from June [3] - The demand for credit remains weak, with both corporate and household loan demands declining, particularly in medium to long-term loans [3][4] - The increase in corporate loans was primarily supported by bills, which saw a year-on-year increase of 312.5 billion yuan [3] Social Financing Insights - Social financing increased by 1.16 trillion yuan in July, a year-on-year increase of 289.3 billion yuan, with a stock growth rate of 9.0%, up 0.1 percentage points from June [4] - The divergence between social financing and credit growth suggests a transition in how financial support is provided to the real economy [4] Deposit Trends - M2 grew by 8.8% year-on-year in July, while M1 saw a significant increase of 5.6%, indicating signs of deposit activation [5] - The report notes that the increase in non-bank deposits by 1.39 trillion yuan contrasts with a decrease in resident deposits by 780 billion yuan, highlighting a clear trend of funds moving towards non-bank sectors [5] Investment Recommendations - The report suggests that dividend strategies remain solid, with a focus on direct financing as the primary means of financial support for the real economy [5] - It recommends specific banks such as CITIC Bank, Construction Bank, Agricultural Bank, and others as beneficiaries of the current market conditions [5]

特此公告。 中信银行股份有限公司董事会 2025年8月14日 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。 2020年8月12日至8月14日，中信银行股份有限公司（以下简称"本行"或"发行人"）发行了规模为人民币 400亿元的二级资本债券（以下简称"本期债券"），并于2020年8月15日发布了《中信银行股份有限公司 关于2020年二级资本债券发行完毕的公告》。根据本期债券募集说明书相关条款的规定，本期债券设有 发行人有条件赎回权，发行人有权在本期债券第5个计息年度的最后一日，即2025年8月14日部分或全部 赎回本期债券。 截至本公告日，经国家金融监督管理总局认可，本行已行使赎回权，全额赎回了本期债券。 ...

格隆汇8月15日｜A股银行板块日内逆势下挫，其中，中信银行、齐鲁银行跌超3%，工商银行、农业银 行、中国银行、建设银行盘中均跌逾2%。 ...

8月15日早盘，银行板块逆势下挫。截至10:51， 中信银行、齐鲁银行跌超3%，工商银行、农业银行、 中国银行、建设银行盘中均跌逾2%。 ...

Core Viewpoint - The banking sector experienced a decline on August 15, with several major banks seeing significant drops in their stock prices [1] Group 1: Market Performance - As of 10:51 AM, Citic Bank and Qilu Bank both fell over 3% [1] - Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank all saw declines exceeding 2% during the trading session [1]

Group 1 - MSCI announced the quarterly review results for its indices, including the inclusion of 14 stocks in the MSCI China Index and the removal of 17 stocks, effective after the market close on August 26 [1][2] - The newly added stocks include 5 A-shares such as Guizhou Compass and CITIC Bank, and 9 Hong Kong stocks, primarily focusing on technology, innovative pharmaceuticals, and new consumer sectors [2][3] - The stocks removed from the index are mainly traditional consumer and cyclical stocks, indicating a shift in market focus towards technology and innovation [2][3] Group 2 - The MSCI China Index serves as a key benchmark for global investors looking to invest in Chinese assets, and its inclusion in the MSCI Emerging Markets Index enhances the visibility and passive fund allocation for the newly added stocks [3][4] - Since the inclusion of A-shares in the MSCI Emerging Markets Index in 2018, foreign index funds have significantly influenced the market, increasing foreign ownership from approximately 1.3% in 2012 to 3.7% in 2020 [4] - The ongoing influx of foreign capital is expected to continue, providing new incremental funds to the A-share market and leading to further innovations in product offerings and trading mechanisms [4]

Core Viewpoint - The article emphasizes the importance of financial support for private and small enterprises in addressing their financing challenges, highlighting the ongoing efforts to enhance the accessibility and affordability of financing during the "14th Five-Year Plan" period [1]. Group 1: Increasing Supply and Enhancing Financing Accessibility - The average annual growth rate of inclusive small and micro loans has exceeded 20% over the past five years, with the balance of such loans increasing from 15.1 trillion yuan at the end of 2020 to 35.6 trillion yuan by June 2025 [2][3]. - The proportion of credit loans has reached nearly 30%, with private enterprise loan balances rising to approximately 45 trillion yuan by the end of May this year [2]. Group 2: Reducing Costs to Support Enterprises - The average interest rate for newly issued inclusive small and micro enterprise loans has decreased from 5.08% in December 2020 to 3.48% by June 2025, reflecting a significant reduction in financing costs [4][6]. - Following interest rate cuts, a loan of 5 million yuan can save over 20,000 yuan in annual interest expenses compared to the previous year [5]. Group 3: Diversifying Financing Options - The establishment of a multi-layered and diversified financing system is underway, with a focus on increasing the proportion of direct financing in social financing [7][8]. - In the first half of this year, private enterprises issued over 350 billion yuan in bonds, with an average issuance interest rate of 2.08% for corporate credit bonds [7].

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。 行人"）发行了规模为人民币400亿元的二级资本债券（以下简称"本期债券"）， 并于2020年8月15日发布了《中信银行股份有限公司关于2020年二级资本债券发 行完毕的公告》。根据本期债券募集说明书相关条款的规定，本期债券设有发行 人有条件赎回权，发行人有权在本期债券第5个计息年度的最后一日，即2025年8 月14日部分或全部赎回本期债券。 证券代码：601998 证券简称：中信银行 公告编号：临 2025-060 中信银行股份有限公司 关于赎回 2020 年二级资本债券的公告 特此公告。 中信银行股份有限公司董事会 截至本公告日，经国家金融监督管理总局认可，本行已行使赎回权，全额赎 回了本期债券。 ...