证券代码：601998 证券简称：中信银行 公告编号：临 2025-058 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"）伦敦分行在50亿美元中期票据计 划（以下简称"计划"）项下，已向香港联合交易所有限公司（以下简称"联交 所"）及伦敦证券交易所（London Stock Exchange plc）提交3亿美元中期票据上市 申请，于2028年到期，相关票据已于2025年8月6日完成上市。根据计划，发行 的票据仅供专业投资者1购买，详情请参考本行2025年8月6日刊载于联交所披露 易网站（www.hkexnews.hk）的相关公告。 特此公告。 中信银行股份有限公司董事会 2025年8月6日 1 根据联交所公司证券上市规则第37章定义，专业投资者指(a)如属香港人士，按《证券及期货条例》附表1 第1部所界定的专业投资者（包括按该条例第397条所制定的规则所指的人士）；或(b)如属非香港人士，根 据有关司法权区对公开发售的相关豁免可向其出售证券的人士。 关于在50亿美 ...

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Investment Rating - The investment rating for the company is "Outperform the Market" [6] Core Views - The retail transformation of the company is showing results, and its corporate banking foundation remains strong. The company has elevated its retail business to the "first strategic" position, emphasizing long-term development despite industry pressures on retail asset quality [2][3] - The company's profitability has surpassed the overall level of joint-stock banks, with a relatively good asset quality performance. The return on equity (ROE) and return on assets (ROA) have begun to exceed the overall levels of joint-stock banks since 2023 [3][59] - The company is expected to achieve a net profit of 69.5 billion, 72.4 billion, and 75.6 billion yuan for the years 2025, 2026, and 2027 respectively, with year-on-year growth rates of 1.3%, 4.2%, and 4.3% [4][82] Summary by Sections Company Overview - The company is a large national joint-stock bank, established in 1987, with total assets exceeding 9.5 trillion yuan by the end of 2024 [1][13][19] - It has a stable governance structure and ranks among the top in asset scale, revenue generation, and branch network among listed joint-stock banks [1][19] Retail Business Transformation - The retail business has been positioned as the primary strategic focus since 2022, with significant growth in retail assets under management (AUM) and retail customer numbers [2][26] - Retail loans have maintained a proportion of over 40% since 2018, and retail revenue contribution has consistently exceeded 40% since 2020 [26][32] Corporate Banking Strength - The company has a long-standing advantage in corporate banking, with stable growth in corporate customer numbers and loan scales [2][36] - The asset quality of corporate loans has improved, with a declining non-performing loan (NPL) ratio [3][36] Financial Performance - The company's revenue and profit growth have slightly outpaced the overall levels of joint-stock banks, with a focus on maintaining a stable net interest margin [3][66] - The NPL ratio for retail loans has increased in line with industry trends, but remains lower than the average for joint-stock banks [75] Profit Forecast and Valuation - The estimated reasonable stock price range is between 8.65 and 10.35 yuan, indicating a potential upside of approximately 5% to 25% compared to the current price of 8.25 yuan [4][85] - The company is projected to maintain a dividend payout ratio of around 28% in the coming years, with a steady increase in dividends [82][86]

Group 1 - The core viewpoint emphasizes the importance of digital transformation in the financial sector, with a focus on integrating technology and data to enhance operational efficiency and customer service [1][2][3] - The company aims to strengthen data asset management by implementing a comprehensive data lifecycle management system, enhancing data quality, and promoting data sharing to support digital operations [1][2] - The bank is transitioning from traditional collateral-based lending to data-driven, unsecured, and online credit models, significantly increasing the online service rate by 40% [2][3] Group 2 - The company is exploring innovative technologies such as AI, blockchain, and big data to enhance productivity and provide efficient digital solutions for clients [3] - The integration of advanced technologies is expected to improve operational efficiency, with a reported 50% increase in report writing efficiency through automated data processing [3] - Future plans include optimizing the digital transformation strategy and enhancing the data-driven management model to contribute to the development of digital finance in the capital [3]

证券代码：601998证券简称：中信银行 公告编号：临2025-057 优先股代码：360025 优先股简称：中信 优1 中信银行股份有限公司关于召开2025年第二次临时股东大会、2025年第三次A股类别股东会及2025年第 三次H股类别股东会的通知 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： 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8月26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818会议室 (五) 网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 (一) 股东大会类型和届次 2025年第二次临时股东大会、2025年第三次A股类别股东会及2025年第三次H股类别股东会（合称"本次 股东大会"） (二) 股东大会召集人 网络投票起止时间：自2025年8月26日 至2025年8月26日 采用上海证 ...

Core Viewpoint - CITIC Bank is proposing several resolutions for its upcoming shareholder meeting, including the election of a new non-executive director, changes to its registered capital, and amendments to its articles of association. Group 1: Election of Non-Executive Director - The board of CITIC Bank has nominated Mr. Wei Qiang as a candidate for the seventh board of directors as a non-executive director [1][2] - Mr. Wei Qiang has a background in human resources and has held various positions within CITIC Group, including general manager of the human resources department [1][2] Group 2: Changes to Registered Capital - CITIC Bank plans to increase its registered capital from RMB 48,934,796,573 to RMB 55,645,162,264 to align with the actual situation following the conversion of convertible bonds [7][8] - The increase in registered capital is due to the conversion of approximately 6,710,365,691 shares from convertible bonds that matured on March 3, 2025 [7][8] Group 3: Amendments to Articles of Association - The bank intends to revise its articles of association, shareholder meeting rules, and board meeting rules to reflect the changes in governance structure, including the removal of the supervisory board [6][10] - The proposed amendments will be submitted for approval at the shareholder meeting and will take effect upon regulatory approval [6][10] Group 4: Director Remuneration Policy - The remuneration policy for the seventh board of directors has been adjusted, stating that executive directors will not receive any director allowances, while non-executive directors will also not receive allowances [4][5] - Independent non-executive directors will receive a remuneration package that includes a basic salary and performance-related pay, with specific amounts outlined for committee roles [4][5]

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: 2025年7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: 2025年8月5日 I. 法定/註冊股本變動 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 證券代號 (如上市) 601998 說明 A股 法定/註冊股份數目 面值 法定/註冊股本 上月底結存 40,762,999,287 RMB 1 RMB 40,762,999,287 增加 / 減少 (-) 0 RMB 0 本月底結存 40,762,999,287 RMB 1 RMB 40,762,999,287 證券代號 (如上市) 360025 說明 境內優先股 第 1 頁 共 11 頁 v 1.1.1 FF301 法定/註冊股份數目 面值 ...

Core Viewpoint - China CITIC Bank Corporation Limited is issuing $300 million floating rate notes under its $5 billion medium-term note program, maturing in 2028, with plans for listing and trading on the Hong Kong Stock Exchange [1][2]. Group 1: Issuance Details - The bank has applied to the Hong Kong Stock Exchange for approval to issue bonds exclusively to professional investors, as defined by the exchange's listing rules [2]. - The floating rate notes are part of a larger $5 billion medium-term note program, indicating the bank's strategy to raise capital through debt instruments [2]. Group 2: Listing and Trading - The notes are expected to be approved for listing and trading on August 6, 2025, following the issuance announcement dated July 21, 2025 [2]. - The issuance is managed by a consortium of banks, including CITIC Bank International and several other financial institutions, highlighting a collaborative approach to the bond issuance [1].

证券代码：601998 证券简称：中信银行 公告编号：临 2025-057 优先股代码：360025 优先股简称：中信优 1 中信银行股份有限公司 关于召开2025年第二次临时股东大会、2025 年第三次 A 股类别股东会及 2025 年第三次 H 股类别股东会的 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： 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 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25，9:30-11:30，13:00-15:00；通过互 联网投票平台的投票时间为股东大会召开当日的 9:15-15:00。 (六) 融资融券、转融通、约定购回业务账户和沪股通投资者的投票程序 涉及融资融券、转融通业务、约定购回业务相关账户以及沪股通投资者的投 票，按照《上海证券交易所上市公司自律监管指引第 1 号——规范运作》等有关 规定执行。 (七) 涉及公开 ...

格隆汇8月5日丨中信银行(00998.HK)公告，已向香港联合交易所有限公司提出申请，批准以仅向专业投 资者(定义见香港联合交易所有限公司证券上市规则第37章)发行债券的方式将根据50亿美元中期票据计 划("该计划")于2028年到期的3亿美元浮动利率票据上市及买卖，有关内容载于日期为2025年7月21日有 关该计划的发售通函、日期为2025年7月29日有关该等票据的发售通函及日期为2025年7月29日有关该等 票据的定价补充文件。预期该等票据将获准于2025年8月6日上市及买卖。 ...