1月14日金融一线消息，中信银行公告，2025年度，本行实现归属于本行股东的净利润706.18亿元，比 上年增长2.98%；营业总收入2124.75亿元，比上年下降0.55%。截至2025年末，本行不良贷款率1.15%， 比上年末下降0.01个百分点；拨备覆盖率203.61%，比上年末下降5.82个百分点。截至2025年末，本行 资产总额101，316.58亿元，比上年末增长6.28%；归属于本行普通股股东的所有者权益7，238.61亿 元 . 比上年末增长5.78%。 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。 份 有 限 公 司 l HA China CITIC Bank Corporation Limited (在中華人民共和國註冊成立的般份有限公司) (股份代號:998) 公告 2025年度業績快報 中信銀行股份有限公司(「本行」)根據《證券及期貨條例》(香港法例第571章)第XIVA部及 《香港聯合交易所有限公司證券上市規則》第13.0 ...

1月14日金融一线消息，中信银行公告，2025年度，本行实现归属于本行股东的净利润706.18亿元，比 上年增长2.98%；营业总收入2124.75亿元，比上年下降0.55%。截至2025年末，本行不良贷款率1.15%， 比上年末下降0.01个百分点；拨备覆盖率203.61%，比上年末下降5.82个百分点。截至2025年末，本行 资产总额101，316.58亿元，比上年末增长6.28%；归属于本行普通股股东的所有者权益7，238.61亿 元 . 比上年末增长5.78%。 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。 份 有 限 公 司 l HA China CITIC Bank Corporation Limited (在中華人民共和國註冊成立的般份有限公司) (股份代號:998) 公告 2025年度業績快報 中信銀行股份有限公司(「本行」)根據《證券及期貨條例》(香港法例第571章)第XIVA部及 《香港聯合交易所有限公司證券上市規則》第13.0 ...

截至2025年末，该行不良贷款率1.15%，比上年末下降0.01个百分点;拨备覆盖率203.61%，比上年末下 降5.82个百分点。截至2025 年末，该行资产总额101,316.58亿元，比上年末增长6.28%;归属于该行普通 股股东的所有者权益7,238.61亿元，比上年末增长5.78%。 智通财经APP讯，中信银行(00998)公布2025年度业绩快报，营业总收入为2,124.75亿元，同比减少 0.55%;归属于该行股东的净利润为706.18亿元，同比增长2.98%;基本每股收益1.2元。 ...

2025年，面对复杂多变的内外部环境，该行坚决贯彻党中央、国务院决策部署和监管要求，坚持金融本 源，服务国家战略，支持实体经济，防范金融风险，全力以赴推动银行高质量发展，战略转型取得积极 进展，发展态势拾级而上。 格隆汇1月14日丨中信银行(00998.HK)公布2025年度业绩快报，2025年度，该行实现归属于该行股东的 净利润706.18亿元，比上年增长2.98%；营业总收入2,124.75亿元，比上年下降0.55%。截至2025年末， 该行不良贷款率1.15%，比上年末下降0.01个百分点；拨备覆盖率203.61%，比上年末下降5.82个百分 点。截至2025年末，该行资产总额101,316.58亿元，比上年末增长6.28%；归属于该行普通股股东的所 有者权益7,238.61亿元，比上年末增长5.78%。 ...

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。 998 公告 2025年度業績快報 中信銀行股份有限公司（「本行」）根據《證券及期貨條例》（香港法例第571章）第XIVA部及 《香港聯合交易所有限公司證券上市規則》第13.09條的要求發佈本公告，旨在向本行股東 及公眾人士提供本行的財務資料。本公告亦同時在上海證券交易所發佈。本公告內的財 務數據為根據中國會計準則初步核算的集團口徑數據，尚未經會計師事務所審計，具體 數據以本行於適時刊發的2025年年度報告中披露的數據為準。潛在投資者及本行股東於 買賣本行股份時務請審慎行事。 一、2025年度主要財務數據和指標 單位：人民幣億元 三、風險提示 | 項目 | 本報告期 | 上年同期 | 增減變動幅度(%) | | --- | --- | --- | --- | | 營業總收入 | 2,124.75 | 2,136.46 | (0.55) | | 營業利潤 | 836.74 | 809.29 | 3.39 ...

Group 1 - The article highlights the top 20 stocks in the S&P China A-Share Dividend Opportunity Index (CSPSADRP) based on their daily and year-to-date performance as of January 13, 2026 [1][5] - China National Offshore Oil Corporation (CNOOC) leads with a daily increase of 3.57% but has a year-to-date decline of 1.82% and a dividend yield of 4.44% [1][5] - Other notable performers include Shenhua Holdings with a daily rise of 2.35% and a year-to-date increase of 10.78%, and Tunnel Engineering with a daily increase of 2.30% and a year-to-date rise of 2.93% [1][5] Group 2 - The average historical price-to-earnings (P/E) ratio for the index is reported at 11.75 times, with an expected P/E ratio of 11.07 times [2] - The average dividend yield for the index stands at 4.76% [2] - The index shows a defensive characteristic with a defensive ratio of 1.34 times [2] Group 3 - The article mentions the formation of a MACD golden cross signal, indicating a positive trend for the stocks listed [4][8]

Core Viewpoint - The banking sector shows resilience with significant stock price increases, driven by executive buybacks and insurance capital inflows, indicating strong confidence in the sector's fundamentals and long-term value [3][12]. Group 1: Market Performance - On January 13, the market experienced a pullback, but the banking sector remained active, with notable gains: Ningbo Bank up over 4%, Hangzhou Bank up over 3%, and several others including CITIC Bank and Chongqing Rural Commercial Bank up over 2% [1][9]. - The top-tier banking ETF (512800) saw an intraday price increase of over 1%, closing up 0.37% and surpassing the 5-day moving average [1][10]. Group 2: Executive Buybacks - The first executive buyback announcement of 2026 was made by Chongqing Rural Commercial Bank, where some directors and executives purchased 192,000 shares from the secondary market, with a maximum investment of 1.23 million yuan [3][12]. - Nanjing Bank reported that its major shareholder, Zijin Group, increased its stake by 123,472,060 shares, representing 1.00% of the total share capital, continuing from previous increases since September 2025 [3][12]. Group 3: Insurance Capital Inflows - Insurance capital has been actively purchasing bank stocks, with Ping An Life announcing it reached a 20% stake in China Merchants Bank H-shares, triggering a mandatory bid [3][12]. - In 2025, insurance capital made 41 stake increases, the highest in nearly a decade, with bank stocks accounting for about 40% of these actions, highlighting their dominance in this area [3][12]. Group 4: Seasonal Trends - Historically, the banking sector has performed well before the Spring Festival, with the Shenwan Banking Index showing over 80% win rate in the past decade, except for 2020 [4][16]. - The average absolute return of the Shenwan Banking Index before the Spring Festival is 4.4%, with an average excess return of 4.9% compared to the Shanghai Composite Index, making it the highest among 31 industry indices [4][16]. Group 5: Future Outlook - Factors expected to drive the banking sector's performance leading up to the Spring Festival in 2026 include continued growth policies, ongoing insurance asset scarcity, and increased market volatility [7][16]. - The banking ETF (512800) is noted for its efficiency in tracking the banking sector, with a current scale of 11.95 billion yuan and an average daily trading volume exceeding 800 million yuan since 2025, making it the largest and most liquid banking ETF in A-shares [7][16].

Core Viewpoint - Gold prices have continued to rise since the beginning of 2026, reaching a historical high of $4601.38 per ounce on January 12, prompting banks to adjust their gold accumulation business and issue risk warnings to investors [1] Group 1: Bank Adjustments - Industrial and Commercial Bank of China (ICBC) announced an increase in the minimum investment amount for its gold accumulation business from 1000 yuan to 1100 yuan, effective January 8, 2026 [1] - ICBC has adjusted its gold accumulation business minimum investment amount five times since 2025, with a total increase of 450 yuan, or nearly 70%, from the initial amount of 650 yuan [1] - Other banks, including Bank of Communications, Industrial Bank, and China CITIC Bank, have also raised their gold accumulation thresholds, with minimum investment amounts now generally exceeding 1000 yuan [2] Group 2: Market Trends - The gold investment and consumption market in China is experiencing increased activity, as evidenced by sales data from key trading markets like Shenzhen's Shui Bei, where gold prices reached a record high of 1178 yuan per gram on January 12 [2] - Some banks have implemented a "floating mechanism" for gold accumulation thresholds, adjusting the minimum investment based on real-time gold prices [2] Group 3: Investment Risks - The rise in market enthusiasm has led to an increase in illegal gold trading schemes, significantly raising investment risks [3] - The Shenzhen Gold and Jewelry Association has warned about companies engaging in illegal "non-physical gold betting" activities, which have been linked to criminal charges [3] - China Bank's Shenzhen branch has issued warnings about fraudulent platforms that lure investors with promises of low thresholds and high returns, emphasizing the importance of using licensed financial institutions for gold investments [3] Group 4: Investment Advice - Experts recommend that investors should base their investment decisions on personal experience, capability, and risk tolerance, avoiding impulsive trading behaviors [4] - Investors are advised to choose investment methods and products they understand, rather than following market trends blindly [4]

证券之星消息，1月13日股份制银行板块较上一交易日上涨0.26%，中信银行领涨。当日上证指数报收于 4138.76，下跌0.64%。深证成指报收于14169.4，下跌1.37%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入(元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 1.39 Z ﮯ | 11.43% | -2919.19万 | -2.39% | -1.10 Z | -9.03% | | 600016 民生银行 | | 1.12 Z | 7.43% | -4353.64万 | -2.89% | -6822.42万 | -4.54% | | 601166 兴业银行 | | 9577.58万 | 6.78% | -8953.85万 | -6.33% | -623.73万 | -0.44% | | 601998 中信银行 | | 3989.14万 | 5.28% | -3851.13万 | -5.10 ...

Core Viewpoint - The article highlights a trend of declining deposit interest rates among banks in China, particularly as the new year begins, with many banks entering a "1 era" for their rates, indicating a significant drop in returns for savers [1][2][3]. Group 1: Deposit Rate Changes - Anhui Xin'an Bank has lowered its 2-year fixed deposit rate by 10 basis points to 2.25% starting January 16 [1]. - Several local banks, including Suzhou Commercial Bank and Puyang Zhongyuan Village Bank, have also reduced their deposit rates, with some products now offering rates as low as 1.9% for 3-year deposits [2]. - Major state-owned banks like ICBC and CCB are offering 1-year fixed deposit rates at 1.1%, while some joint-stock banks have slightly higher rates, with CITIC Bank and GF Bank offering 1.3% for 1-year deposits [3]. Group 2: Impact on Large Certificates of Deposit - The attractiveness of large certificates of deposit (CDs) has diminished, with 3-year CDs nearly extinct and 1-year CDs offering rates only marginally higher than regular fixed deposits [4][5]. - Many banks are now issuing new large CDs with rates in the "1 era," and some short-term large CDs have even dropped below 1% [5]. Group 3: Upcoming Expiration of Deposits - A significant volume of fixed deposits is set to mature in 2026, with estimates suggesting around 75 trillion yuan will be due, marking a 12% increase from 2025 [6]. - The first quarter of this year is critical as approximately 29 trillion yuan of 1-year and longer deposits will mature, representing a 4 trillion yuan increase compared to the same period in 2025 [6]. Group 4: "Deposit Migration" Trends - The trend of "deposit migration" is expected to continue, with funds potentially moving from large banks to smaller ones and then into various asset management products [7]. - Analysts suggest that while the current low-interest environment is prompting asset reallocation, the overall risk appetite among residents remains cautious, with consumption and debt repayment being primary uses for maturing deposits [7].