证券代码：601998 证券简称：中信银行 公告编号：临2025-071 中信银行股份有限公司 关于召开2025年第三次临时股东大会的通知 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： (五) 网络投票的系统、起止日期和投票时间 一、 召开会议的基本情况 (一) 股东大会类型和届次 2025年第三次临时股东大会（简称本次股东大会） (二) 股东大会召集人 中信银行股份有限公司（简称本行）董事会 (三) 投票方式 本次股东大会所采用的表决方式是现场投票和网络投票相结合的方式 (四) 现场会议召开的日期、时间和地点 召开的日期时间：2025 年 10 月 30 日 9 点 30 分 召开地点：北京市朝阳区光华路 10 号院 1 号楼中信大厦 8 层会议室 网络投票系统：上海证券交易所股东大会网络投票系统 1 股东大会召开日期：2025年10月30日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 10 月 30 日 至2025 年 10 月 30 日 采用上海证 ...

Group 1 - Zhiguang Electric plans to acquire minority stakes in its subsidiary Zhiguang Energy Storage through a combination of share issuance and cash payment, leading to a temporary suspension of its stock trading for up to 10 trading days [1] - Guangbo Co. has been awarded a procurement project by the State Grid Corporation of China, confirming its status as one of the successful bidders for office and industrial supplies [2] - Dongguan Holdings announced the resignation of its chairman Wang Chong'en due to work changes, with Lin Yongsen appointed as the interim chairman [2] Group 2 - *ST Tianmao's stock will be delisted on September 30, 2025, following the Shenzhen Stock Exchange's decision to terminate its listing [3] - Salt Lake Co. has entered the trial production phase for its 40,000 tons/year integrated lithium salt project, successfully producing qualified battery-grade lithium carbonate [5] - Xindazheng plans to adjust its share repurchase price limit from 13.78 yuan to 16.79 yuan per share, maintaining a total repurchase fund of 10 million to 20 million yuan [7] Group 3 - Xindazheng intends to acquire 75.15% of Jiaxin Liheng's equity through share issuance and cash payment, with the transaction price yet to be determined [9] - Koli'er's actual controller plans to reduce his stake by up to 2% of the company's total shares due to funding needs [11] - United Precision's two actual controllers plan to collectively reduce their stake by up to 3% of the company's total shares for personal financial reasons [13] Group 4 - Yipinhong's subsidiary has received a drug registration certificate for L-carnitine oral solution, which is classified as a chemical drug [15] - Tiancheng Self-Control plans to establish a wholly-owned subsidiary in Japan and invest in a warehouse and production base with a budget of up to 10 million yuan [17] - Ningbo Huaxiang's joint venture has obtained a patent license from Jilin University for PEEK technology, which will enhance its R&D capabilities [21] Group 5 - Bright Dairy's subsidiary Synlait Milk Limited plans to sell its North Island assets to Abbott for $170 million, aiming to focus on core business development [23] - Nanjing Pharmaceutical has signed a strategic investment agreement with Guangzhou Baiyunshan Pharmaceutical Group, with the latter acquiring 11.04% of Nanjing Pharmaceutical's shares [24] - Guoxing Optoelectronics' application for a private placement of A-shares has been accepted by the Shenzhen Stock Exchange [25] Group 6 - Hailianxun has received approval from the China Securities Regulatory Commission for its plan to merge with Hangqilun B through a share exchange [27] - CITIC Bank's risk director Hu Gang has resigned, with Jin Xinian appointed as the new risk director pending regulatory approval [29]

二、中信银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中信银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由决定机关办理行政许可注销手续。 三、中信银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准杨光中信银行股份有限公司石家庄分行副行长的任职资格。 2025年9月23日，河北金融监管局发布批复称，《中信银行（601998）股份有限公司关于申请核准杨光 任职资格的请示》（信银字〔2025〕530号）收悉。经审核，现批复如下： ...

格隆汇9月29日｜A股市场银行股多数下跌，其中，邮储银行、西安银行、浦发银行、中信银行跌超 1%。 ...

董事会会议决议公告 证券代码：601998证券简称：中信银行 公告编号：临2025-069 中信银行股份有限公司 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22日以书面形式发出会议通知和材料，于2025年9 月28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9名，实际出席董事9名，其中，胡罡董事因公务委托方合英董事长代为出席并 表决，王彦康、付亚民、廖子彬、周伯文、王化成、宋芳秀等6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《关于聘任金喜年先生为中信银行股份有限公司风险总监的议案》 表决结果：赞成9票 反对0票 弃权0票 董事会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，任 ...

一、风险总监离任情况 中信银行股份有限公司（以下简称本行）董事会于近日收到风险总监胡罡先生的辞呈。胡罡先生因工作 安排需要，辞去本行风险总监职务。胡罡先生辞任风险总监职务后继续担任本行执行董事、副行长等职 务。 具体情况如下： ■ 二、风险总监离任对本行的影响 证券代码：601998 证券简称：中信银行 公告编号：临2025-070 中信银行股份有限公司 关于风险总监离任的公告 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。 胡罡先生确认，其与本行董事会、高级管理层无不同意见，无任何与其辞任风险总监职务有关的事项须 提请本行股东注意，亦无任何针对本行正在发生或将要发生的诉讼和争议。胡罡先生已按照有关要求做 好与辞任风险总监职务有关的工作交接。 特此公告。 中信银行股份有限公司董事会 2025年9月28日 ■ 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2 ...

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

Core Viewpoint - Green finance is becoming a crucial engine for supporting China's sustainable and high-quality economic development in response to global climate change and the "dual carbon" goals [2][4]. Group 1: Green Finance Strategy - Since the introduction of the "dual carbon" goals in 2020, carbon reduction and emission control have become core tasks for national deployment [4]. - The 2023 Central Financial Work Conference emphasized the importance of green finance as a key element in achieving carbon peak and carbon neutrality goals, with continuous government policies being introduced to support sustainable development [4][5]. - CITIC Bank aims to support the green transition of the real economy through green finance innovation, leveraging resources from CITIC Group [5]. Group 2: Innovative Financial Products - CITIC Bank has developed a "1+N+N" model for its green finance product system, providing a variety of financial tools such as green loans, green bonds, and green insurance [7]. - The bank's innovative "sustainable-linked loan management" mechanism links corporate ESG performance to loan interest rates, allowing companies to receive interest rate discounts for achieving preset ESG goals [11]. Group 3: Successful Case Studies - CITIC Bank's Guangzhou branch successfully issued a REITs project based on distributed photovoltaic assets, achieving a scale of 694 million yuan and becoming the first local state-owned enterprise REITs product integrating "green + carbon neutrality + rural revitalization" themes [9][10]. - The Nanjing branch introduced a "rate floating-carbon effect betting" mechanism, linking carbon emissions to loan interest rates, which successfully reduced financing costs for a high-energy-consuming fossil enterprise [12]. Group 4: Carbon Management Services - CITIC Bank has established a carbon management service system that includes carbon consulting, carbon accounting, and carbon trading, providing comprehensive carbon management services to corporate clients [13]. - The bank's "green low-carbon platform" serves as a marketing touchpoint and data hub, supporting enterprises in quantifying carbon emissions and providing targeted financing solutions [13]. Group 5: Future Outlook - CITIC Bank's green finance strategy reflects its commitment to responsibility under the "dual carbon" goals and its proactive positioning in the global green finance wave [17]. - The bank aims to deepen its green finance strategy by collaborating with group subsidiaries and external partners, focusing on product innovation and market expansion to support more green finance products [17].

中信银行洛阳分行表示，未来将持续加大对保障性住房等民生领域的金融支持力度，主动对接房地产融 资协调机制，积极探索多元化服务模式，提升融资服务的精准性与有效性，为洛阳经济社会发展注入更 多金融动能。 责编:史健 | 审校:陈筱娟 | 审核:李震 | 监审:古筝 【大河财立方 记者 席韶阳 通讯员 郭庆 常双双】近日，中信银行洛阳分行成功向某经济适用房三期项 目发放开发贷款2000万元，专项用于项目主体结构及配套设施建设。该项目建成后，预计可为1015户中 低收入家庭及新市民提供住房保障，进一步推动洛阳市安居工程建设。 中信银行始终将支持保障性住房作为履行社会责任、服务民生福祉的重要方向。本次贷款投放过程中， 该行组建专业团队，主动对接项目建设单位需求，优化审批流程，提升资金投放效率，有力保障了项目 建设的顺利高效推进。 ...

智通财经APP讯，中信银行(00998)发布公告，该行董事会会议审议通过《关于聘任金喜年先生为中信银 行股份有限公司风险总监的议案》，董事会同意聘任金喜年先生为该行风险总监，自监管机构核准其风 险总监任职资格之日起正式就任，任期和薪酬按照该行有关规定执行。 ...