Core Points - CITIC Bank has received approval from the National Financial Supervision Administration for Jin Xinian's appointment as Chief Risk Officer [1] - Jin Xinian officially assumes the role of Chief Risk Officer starting from December 2, 2025 [1]

中信银行股份有限公司 关于风险总监任职资格获核准的公告 证券代码：601998 证券简称：中信银行 公告编号：临2025-082 特此公告。 中信银行股份有限公司董事会 2025 年 12 月 3 日 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。 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》。 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。 ...

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分內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 中國‧北京 2025年12月3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 執行董事為魏強先生、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。 公告 風險總監任職資格獲核准 中信銀行股份有限公司（「本行」）於2025年9月28日召開董事會會議，同意聘任金喜年先生 為本行風險總監，自監管機構核准其風險總監任職資格之日起正式就任。 近日，本行收到《國家金融監督管理總局關於金喜年中信銀行風險總監任職資格的批 覆》（金覆[2025]686號），國家金融監督管理總局已核准金喜年先生本行風險總監的任職資 格。金喜年先生自2025年12月2日起正式就任本行風險總監。 金喜年先生的簡歷及其他根據有關法律法規須予披露的信息請見本行於2025年9月28日刊 載於香港聯合交易所有限公司網站(www.hkexnews.hk)和本行網站(www ...

Group 1 - The core point of the article is that China CITIC Bank has obtained a patent for a method and device related to pressure testing, indicating its focus on innovation and technology development [1] - The patent was granted with the announcement number CN 114218055 B, and the application date was December 2021 [1] - China CITIC Bank was established in 1987 and is headquartered in Beijing, primarily engaged in monetary financial services [1] Group 2 - The registered capital of China CITIC Bank is approximately 48.93 billion RMB [1] - The bank has made investments in 77 companies and participated in 5,000 bidding projects [1] - The bank holds 185 trademark registrations and 1,605 patent registrations, along with 156 administrative licenses [1]

Core Viewpoint - The rise of illegal loan intermediaries has prompted multiple banks to issue warnings to customers about potential risks associated with these entities, as they falsely claim to represent legitimate banking institutions [1][5][7]. Summary by Sections Illegal Loan Intermediaries - Numerous banks, including Citic Bank and Baoding Bank, have reported incidents of fraud where individuals impersonate bank employees to promote loan products, leading to public warnings [6][7]. - The prevalence of these scams has forced banks to clarify that they do not collaborate with any loan intermediaries [7]. Reasons for the Proliferation of Illegal Intermediaries - The current economic environment has led to a shortage of effective financing demand, making it difficult for banks to extend credit, which in turn drives some bank staff to seek customers through intermediaries [7]. - There is a significant information asymmetry in the financial sector, with consumers often lacking knowledge about financial products and services, making them vulnerable to scams [8]. - The covert nature of many loan intermediary operations complicates regulatory enforcement, and there are gaps in the regulatory framework regarding the classification and oversight of these entities [8]. Risks Associated with Loan Intermediaries - Illegal loan intermediaries often charge exorbitant service fees and may engage in deceptive practices, including false advertising and the unauthorized sharing of personal information [10]. - Some platforms misrepresent their loan products, advertising low interest rates while imposing hidden fees that exceed regulatory limits [10]. - The emergence of unlicensed intermediaries has led to issues such as aggressive debt collection practices and high-interest traps [10]. Regulatory Response and New Guidelines - The implementation of new regulations in October 2025 aims to strengthen the management of internet loan services by requiring financial institutions to maintain a list of approved partners [11][12]. - As of late October, 120 financial institutions have disclosed their approved loan service partners, with many regional banks significantly reducing their number of collaborations [13]. - The new regulations are expected to challenge banks, particularly smaller ones reliant on loan intermediaries, but also present an opportunity for them to refocus on core banking activities and improve operational quality [14]. Future of the Loan Intermediary Market - The competition in the loan intermediary market is anticipated to shift from a focus on volume and scale to a greater emphasis on risk management, financial technology capabilities, and customer relationship management [14]. - Banks are encouraged to enhance their internal management systems and ensure compliance with new regulations, particularly regarding transparent fee structures and risk assessment processes [14].

Core Viewpoint - The article highlights the increasing activity of illegal loan intermediaries as the year-end approaches, prompting banks to issue warnings to customers about potential risks associated with these intermediaries [1][2][5]. Group 1: Illegal Loan Intermediaries - Numerous banks, including Citic Bank and Baoding Bank, have issued announcements stating they do not collaborate with loan intermediaries, as these intermediaries falsely claim to represent the banks to promote loan products [5][6]. - The rise of illegal loan intermediaries is attributed to several factors, including insufficient effective financing demand, information asymmetry in financial products, and the covert nature of many intermediary operations [6][7]. Group 2: Risks Associated with Loan Intermediaries - Users are exposed to risks such as high service fees, false advertising, and personal information leakage when dealing with illegal loan intermediaries or non-compliant lending platforms [7][8]. - The article mentions that some platforms engage in deceptive practices, advertising low interest rates while charging annualized rates that exceed regulatory limits, and may even disappear after collecting fees [7][8]. Group 3: Regulatory Response and New Guidelines - The implementation of new regulations in October 2025 aims to strengthen the management of internet lending services by requiring financial institutions to maintain a list of approved partners for loan facilitation [8][9]. - Following the new regulations, 120 financial institutions have disclosed their lists of approved lending partners, significantly reducing the number of collaborating institutions for many banks [9][10]. Group 4: Future Implications for Banks - The new regulations are expected to create significant operational adjustments for banks, particularly smaller ones that heavily rely on intermediary services, pushing them to focus on core business and improve risk management capabilities [9][10]. - Banks are encouraged to enhance their internal management systems, ensure compliance with new regulations, and improve transparency in fees and loan terms to protect consumers [10][11].

Core Points - The National Financial Regulatory Administration has approved Mr. Wei Qiang's appointment as a non-executive director of CITIC Bank, effective from November 24, 2025 [1] - Mr. Wei Qiang will not receive any director's remuneration during his tenure as a non-executive director, in accordance with the bank's remuneration policy [1] - Mr. Wei Qiang will also serve as a member of the Strategic and Sustainable Development Committee of the seventh board of directors starting from the same date [2] - The board of directors welcomes Mr. Wei Qiang's addition to the team [3] - This announcement was made by CITIC Bank's board of directors on December 2, 2025 [5]

Core Insights - Dalian Commodity Exchange (DCE) has cultivated 12 bank-based industrial integration bases, enhancing the collaboration between finance and the real economy [1] - CITIC Bank, approved as a DCE industrial integration base in 2024, aims to leverage its decade-long experience in the futures market to empower the real economy [1][2] - The bank is transitioning from a single service model to a comprehensive financial service system that integrates exchanges, futures companies, and industrial enterprises [1][2] Group 1: Financial Services and Collaboration - CITIC Bank's competitive edge lies in its group synergy, allowing it to provide lifecycle services covering production, operation, and risk management [2] - The bank has established collaborative branches across various regions to enhance resource integration and has successfully matched financial services with industry needs [2] - The bank's approach aims to shift from "single-point support" to "ecological empowerment" in financial services [1][2] Group 2: Innovative Financial Products - CITIC Bank is implementing an "insurance + futures + banking" model, exemplified by its support for agricultural cooperatives, marking a significant case in rural revitalization [3] - The bank is also innovating products around futures in chemicals, energy, agricultural products, and non-ferrous metals, allowing for tailored large commodity forward swap transactions [4] - The introduction of these products aims to combine bank credit support with futures risk management, enhancing the financial landscape for various industries [4][5] Group 3: Future Directions and Market Impact - The bank's initiatives reflect a broader trend in deepening cooperation between banks and futures markets, evolving from basic margin deposit services to comprehensive financial solutions [5] - Future efforts will focus on further innovation and collaboration, aiming to create a recognized "professional brand" in the futures and industrial client sectors [5] - The ongoing development of innovative products and collaborative models is expected to significantly contribute to the high-quality development of the real economy [5]

在全球经济深度融合的当下，中国作为世界第二大经济体，正以坚定不移的决心和前所未有的力度，稳 慎有序、步步坚实地推进人民币国际化进程，构建全方位高水平开放新格局的核心战略支撑。 中信银行作为中国涉足国内外金融市场融资的商业银行的"先行者"，凭借其深厚的外汇业务底蕴，以全 球视野重塑跨境综合金融服务体系，深度渗透至企业进出口贸易、国际结算、资金交易、跨境投融资、 全球财资管理等核心领域，积极引导企业扩大人民币跨境使用规模，提升人民币在国际市场的接受度和 影响力。 截至2024年末，中信银行跨境人民币收付汇量高达15399.8亿元，较上年同比增长24.1%，增速超出全国 跨境人民币平均水平1.6个百分点，彰显出强劲的增长势头。其中，经常项下整体收付汇量达到4898.9亿 元，资本项下整体收付汇量更是突破万亿大关，达到10500.9亿元；服务跨境人民币对公客户数量超过1 万户，构建起庞大的跨境人民币服务网络。 在跨境人民币贸易结算领域，中信银行同样表现出色，收付金额达4374.1亿元，同比增速11.1%，持续 保持稳健增长。同时，跨境人民币贷款余额达到385.4亿元，同比增长194%，为上百户企业提供了全方 位的跨境 ...

Core Viewpoint - China is advancing the internationalization of the Renminbi with strong determination and unprecedented efforts, positioning itself as a key player in the global economy [1] Cross-Border RMB Services - CITIC Bank has achieved a cross-border RMB payment and receipt volume of 1,539.98 billion yuan by the end of 2024, a year-on-year increase of 24.1%, surpassing the national average growth rate by 1.6 percentage points [1] - The bank's cross-border RMB trade settlement amount reached 437.41 billion yuan, with a steady growth rate of 11.1% [2] - The balance of cross-border RMB loans increased by 194% to 38.54 billion yuan, supporting over a hundred enterprises in their international financing needs [2] Product Innovation - CITIC Bank launched the "Capital Treasure+" comprehensive solution to address diverse cross-border financing needs, integrating various financial services [3] - The bank assisted a renewable energy company in issuing 500 million yuan in offshore RMB bonds, enhancing the influence of the RMB in the international bond market [3] - The bank's cross-border dual-currency pool service manages an average daily position of 1 billion yuan, improving fund management efficiency for multinational corporations [3] Technological Advancements - CITIC Bank has achieved a milestone by directly connecting to the CIPS (Cross-Border Interbank Payment System), significantly reducing transaction costs for enterprises [5] - The bank plans to optimize its CIPS-related services and expand its network of participating banks, focusing on countries along the "Belt and Road" initiative [6] Market Expansion - CITIC Bank is actively developing cross-border RMB financial services tailored for the e-commerce sector, enhancing payment efficiency and risk management [7] - The bank's cross-border e-commerce RMB payment business reached a transaction scale of 18.1 billion yuan in 2024, a 65% year-on-year increase [8] Collaborative Ecosystem - The internationalization of the RMB requires collaboration among financial institutions, enterprises, and government bodies, and CITIC Bank is committed to building a cooperative cross-border financial ecosystem [9] - The bank aims to continue innovating its cross-border financial service models to contribute to the global application of the RMB [9]