证券代码：601998 证券简称：中信银行 公告编号：临 2024-066 中信银行股份有限公司 北京市朝阳区光华路 10 号院 1 号楼中信大厦 8 层 818 会议室 (三) 出席会议的普通股股东及其持有股份情况 2024 年第二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： 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 2024 年 11 月 20 日 (二) 股东大会召开的地点 | 1、出席会议的股东和代理人人数 | 887 | | --- | --- | | 股股东人数 其中：A | 885 | | 境外上市外资股股东人数（H 股） | 2 | | 2、出席会议的股东所持有表决权的股份总数（股） | 43,188,708,646 | | 其中：A 股股东持有股份总数 | 35,611,671,268 | | 股） 境外上市外资股股东持有股份总数（H | 7,577,037,378 | | 3、出席会议的股东所持有表决权股份数占本行有表决权股 | | ...

证券代码：601998 证券简称：中信银行 公告编号：临2024-065 中信银行股份有限公司董事会会议决议公告 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。 中信银行股份有限公司（以下简称"本行"）于 2024 年 11 月 14 日以书面 形式发出有关会议通知和材料，于 2024 年 11 月 20 日在北京市朝阳区光华路 10 号院 1 号楼中信大厦以现场会议形式完成一次董事会会议召开并形成决议。本次 会议应出席董事 10 名，实际出席董事 10 名，其中，刘成、黄芳、王彦康、廖子 彬、周伯文、王化成、宋芳秀等 7 名董事以视频方式参加会议。本次会议由方合 英董事长主持，本行监事和高级管理人员列席了会议。会议的召开符合《中华人 民共和国公司法》等有关法律、行政法规、部门规章、规范性文件和《中信银行 股份有限公司章程》的规定。根据表决结果，会议审议通过了以下议案： 一、审议通过《中信银行2024—2028年资本规划》 表决结果：赞成10票 反对0票 弃权0票 二、审议通过《关于提名付亚民先生为第七届董事会非执行董事的议案》 ...

关于中信银行股份有限公司 2024年第二次临时股东大会的 法律意见书 谨致:中信银行股份有限公司 te in 事務所 East & Concord Partners 北京市朝阳区东三环北路8号亮马河大厦1座22层 邮编：100004 22/F Landmark Building Tower 1, 8 Dongsanhuan Beilu, Chaoyang District, Beijing, 100004, P. R. China Tel: +8610 6590 6639 Fax: +8610 6510 7030 www.east-concord.com 北京天达共和律师事务所 根据《中华人民共和国公司法》(以下简称"《公司法》")、《中华人民共和国 证券法》(以下简称"《证券法》")、《上市公司股东大会规则》(以下简称"《股东 大会规则》")、《上海证券交易所上市公司自律监管指引第 1 号 -- 规范运作》 (以下简称"《规范运作》")等相关法律法规、证券交易所规则以及《中信银行 股份有限公司章程》(以下简称"《公司章程》")的有关规定,北京天达共和律师 事务所（以下简称"本所"）接受中信银行股份有限公司（ ...

Summary of the Conference Call Company Overview - The conference call pertains to CITIC Bank, discussing its performance and strategic initiatives for the first three quarters of 2024. Key Points Performance Review - **Net Profit and Revenue Growth**: CITIC Bank achieved a net profit of 51.8 billion, a year-on-year increase of 0.76%. Operating net income reached 162.2 billion, up 3.83% year-on-year [1][2]. - **Interest Margin Improvement**: The net interest income was 110 billion, reflecting a 0.67% increase year-on-year, with a net interest margin of 1.79%, up by 1 basis point from 2023 [1][2]. - **Non-Interest Income Growth**: Non-interest income totaled 52.2 billion, a significant year-on-year increase of 11.17%, raising its proportion to 32.2% [2]. - **Asset Quality**: Non-performing loans amounted to 66 billion, with a non-performing loan ratio of 1.17%, a slight decrease of 0.01 percentage points from the end of the previous year [2]. - **Capital Strength**: As of September, the core Tier 1 capital adequacy ratio improved by 0.51 percentage points, indicating enhanced capital strength [3]. Transformation and Development - **Strategic Initiatives**: The bank is focusing on integrating support for the real economy with business structure optimization, particularly in green finance and inclusive finance [3][4]. - **Retail Banking Growth**: Retail banking continues to thrive, with a customer base of 23.46 million, a 15% increase year-on-year. Retail managed assets reached 4.5 trillion, up 7.3% [4]. - **Corporate Banking Performance**: Corporate deposits exceeded 4 trillion, with a cost rate decrease of 26 basis points to 1.81%. General corporate loans grew by over 220 billion [4][5]. Risk Management - **Enhanced Risk Control**: The bank has strengthened its risk management framework, focusing on policy guidance and resource allocation to support key sectors [5][6]. - **Asset Quality Management**: The new non-performing loan rate decreased by 0.14 percentage points year-on-year, with effective measures in place for asset disposal [5][6]. Outlook for Q4 - **Strategic Focus**: The bank aims to maintain high-quality development, focusing on asset allocation, customer base expansion, and risk management as it approaches the end of the year [6]. Additional Important Insights - **Digital Transformation**: The bank is actively pursuing digital transformation to enhance business development and operational efficiency [4]. - **Customer Base Expansion**: The number of corporate customers exceeded 1.23 million, with significant growth in both basic and effective accounts [5]. This summary encapsulates the key aspects of CITIC Bank's performance and strategic direction as discussed in the conference call, highlighting both achievements and future plans.

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。 根据中国人民银行《准予行政许可决定书》（银许准予决字〔2024〕第 6 号）， 中信银行股份有限公司（以下简称"本行"）获准发行金融债券，2024 年金融债 券新增余额不超过 800 亿元，年末金融债券余额不超过 3,600 亿元。本行此次发 行的 2024 年金融债券（第二期）（债券通）（以下简称"24 中信银行债 02BC"） 及 2024 年"三农"专项金融债券（第一期）（债券通）（以下简称"24 中信银行 三农债 01BC"）已于 2024 年 11 月 5 日簿记建档，并于 2024 年 11 月 7 日在全国 银行间债券市场发行完毕。 24 中信银行债 02BC 发行规模为人民币 250 亿元，品种为 3 年期固定利率 债券，票面利率为 2.06%。24 中信银行债 02BC 募集资金将用于优化中长期资产 负债匹配结构、增加稳定中长期负债来源并支持中长期资产业务的开展。 证券代码：601998 证券简称：中信银行 公告编号：临2024-064 中信银行股份有限公司 关于 ...

Investment Rating - The investment rating for the company is "Accumulate" [3]. Core Insights - The company's revenue growth has stabilized, with a year-on-year increase of 3.8% in operating income and a 0.8% increase in net profit attributable to shareholders for the first three quarters of 2024, marking a positive turnaround in net profit growth [2]. - The bank's total assets, loans, and deposits grew by 3.8%, 3.0%, and 2.8% year-on-year respectively, with significant growth in corporate loans, particularly in green loans and loans to strategic emerging industries [2]. - The net interest margin for the first three quarters was 1.79%, showing a slight improvement from the previous quarter, primarily due to a reduction in funding costs [2]. - Asset quality remains stable, with a non-performing loan ratio of 1.17% and a provision coverage ratio of 216.00%, indicating strengthened risk mitigation capabilities [2]. - The bank's operating performance is expected to benefit from fiscal expansion policies, with projected net profit growth rates adjusted to 1.7%, 3.7%, and 5.0% for 2024 to 2026 [2]. Financial Performance Summary - For 2023, the company expects operating income of 205,896 million yuan, with a revenue growth rate of -2.6% [5]. - The projected net profit for 2024 is 68,124 million yuan, reflecting a growth rate of 1.7% [5]. - Earnings per share (EPS) are forecasted to be 1.29 yuan for 2024, with a price-to-book (PB) ratio of 0.46 [5][7]. - The bank's return on equity (ROE) is projected to be 9.18% in 2024, slightly decreasing over the following years [5][7].

证券代码：601998 证券简称：中信银行 公告编号：临2024-063 中信银行股份有限公司 1 会议召开时间：2024年11月12日（星期二）下午15:00-16:00。 会议召开方式：本次会议通过网络互动方式召开，投资者可以通过"上海证券 交易所上证路演中心"平台（网址：http://roadshow.sseinfo.com/）与本行互动。 投资者可以于2024年11月8日（星期五）下午17:00前，将相关问题通过电子邮 件形式发送至本行投资者关系邮箱（ir@citicbank.com），本行将在会上就投资 者普遍关注的问题进行交流。 关于召开 2024 年第三季度业绩说明会的公告 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： 中信银行股份有限公司（以下简称"本行"）已于2024年10月31日在上海证券交 易所网站（www.sse.com.cn）和本行网站（www.citicbank.com）披露本行2024年第三季 度报告，为便于广大投资者更全面深入了解本行2024年第三季度业绩和经营情况，本 行拟于2 ...

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2024年10月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 中信銀行股份有限公司(「本行」) 呈交日期: 2024年11月4日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00998 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 14,882,162,977 | RMB | | 1 RMB | | 14,882,162,977 | | 增加 / 減少 (-) | | | | 0 | | RMB | | 0 | | 本月底結存 | | | 14,882,162,977 | RMB | | 1 RMB | | 14,882,162,977 | | 2. ...

Investment Rating - The report maintains a rating of "Accumulate" for CITIC Bank (601998.SH) with a current price of 6.52 CNY [2]. Core Insights - CITIC Bank's Q3 2024 report shows a year-on-year revenue growth of 3.8% to 162.2 billion CNY and a net profit growth of 0.8% to 51.8 billion CNY, with an annualized weighted average return on equity of 10.14%, down 1.16 percentage points year-on-year [3][4]. Summary by Sections Revenue Performance - Revenue growth improved by 1.1 percentage points quarter-on-quarter, with net interest income increasing by 0.7% year-on-year and non-interest income growing by 11.2% [4][8]. - The main contributors to revenue growth were scale expansion and non-interest income, which contributed 8.2 and 9.7 percentage points respectively [4]. Asset Quality - The non-performing loan ratio decreased by 2 basis points to 1.17% as of Q3 2024, with a provision coverage ratio of 216%, up 9.2 percentage points from the previous quarter [8][14]. - The bank's risk-weighted asset growth rate was 4.7%, with capital adequacy ratios showing a stable increase [15][18]. Profitability and Valuation - The net interest margin improved by 2 basis points to 1.79%, benefiting from a reduction in funding costs [7][16]. - The bank's current A/H share dividend yield is 5%/7.4%, indicating strong dividend characteristics and valuation appeal [8][19]. - EPS forecasts for 2024-2026 are maintained at 1.29, 1.34, and 1.39 CNY, with corresponding PB valuations of 0.51, 0.47, and 0.44 times [8][18].

Investment Rating - The investment rating for the company is "Buy" (maintained) [1] Core Insights - The company's revenue growth has shown a marginal recovery, and the net interest margin continues to improve. For the first three quarters of 2024, the company achieved revenue of 162.2 billion yuan, a year-on-year increase of 3.83%. The net interest margin for the first three quarters was 1.79%, up 2 basis points from the first half of the year, primarily due to cost savings from the "manual interest supplement" ban [4][6]. Financial Summary and Valuation Metrics - The company's total assets as of Q3 2024 reached 9.26 trillion yuan, a year-on-year growth of 3.78%. Loan growth was 3.05%, slightly down from the end of the first half of the year. The deposit balance was 5.61 trillion yuan, with a year-on-year growth of 2.80%, reversing the negative growth trend of the previous two quarters [5]. - The non-performing loan ratio decreased by 2 basis points to 1.17%, remaining at a historical low. The non-performing loan balance was 65.98 billion yuan, down 1.23% year-on-year. The provision coverage ratio increased to 216.00%, significantly enhancing the provision buffer [6]. - The forecast for the company's net profit attributable to shareholders for 2024-2026 is 67.98 billion yuan, 71.56 billion yuan, and 77.05 billion yuan, representing year-on-year growth of 1.5%, 5.3%, and 7.7% respectively. The current stock price corresponds to a price-to-book ratio of 0.5, 0.4, and 0.4 for 2024-2026 [4][7]. Key Financial Indicators - The company's revenue for 2024 is projected to be 209.775 billion yuan, with a year-on-year growth of 1.9%. The net profit for 2024 is expected to be 67.988 billion yuan, reflecting a year-on-year increase of 1.5% [7][20]. - The return on equity (ROE) is projected to be 10.4% for 2024, with earnings per share (EPS) expected to be 1.22 yuan [7][20].