针对"医保报销有限"的痛点，中信银行升级养老账本"医疗健康"模块，提倡以基本医保为基础，通 过"三笔钱"规划配置商业健康保险，筑牢健康防护网。财务规划上，则建议在基本养老保险之外，搭配 个人养老金、养老年金保险等多支柱保障，为晚年生活储备稳定现金流。 在服务生态拓展上，中信银行APP上线"养老地图""养老社区"模块，汇聚全国29个城市67家养老社区及 周边机构、老年大学等资源；同时深化集团协同，联合旗下专业机构构建全生命周期养老金融生态圈， 满足多元化需求。 未来，"时光有信"系列活动将持续陪伴客户，中信银行也将坚守"金融为民"初心，以创新服务为长寿时 代的养老规划注入动能，助力更多人实现健康富足的晚年生活。 此次"健康季"是中信银行"时光有信"系列活动的延续。2024年，该行以"老友季"为主题，通过六场全国 对谈打破养老话题边界；2025年则聚焦"健康到老"，将养老金融与大健康深度融合，以跨界思维打 造"幸福到老"综合解决方案，从单纯的金融服务延伸至"金融+健康"的全维度关怀，构建有温度的养老 服务新生态。 作为国内较早布局养老金融的银行，中信银行立足全生命周期理念，持续升级"幸福+"养老金融服务体 系。2 ...

针对农业生产周期长、资金周转压力大的特点，该行积极推广无还本续贷政策，有效破解经营者 "转贷 难、转贷贵" 的难题。在金融 "及时雨" 的润泽下，当地种植户得以按时支付收割作业费，确保秋粮归 仓；农产品加工户顺利结清原材料收购款，保障生产连续性；养殖农户按需采购饲料，稳定养殖规模， 各类农业经营场景呈现蓬勃发展态势。 中信银行赤峰分行相关负责人表示，将持续深耕 "三农" 金融服务领域，围绕农业产业链各环节的多元 化需求，不断创新金融产品、优化服务模式，以更有力的金融支持守护粮食安全，为赤峰市农业强市建 设注入持久动力。（李贺） 编辑：赵鼎 转自：新华财经 金秋九月，赤峰大地迎来秋粮生产关键攻坚期。中信银行赤峰分行精准锚定当地农业发展需求，聚焦农 业经营主体在生产、周转等核心环节的融资难题，以个人经营贷为核心服务载体，持续注入金融动能， 为区域秋粮顺利收获与农业经济提质增效保驾护航。 立足农业生产实际，中信银行赤峰分行将金融资源向农业经营领域高效倾斜，重点为种植户、养殖户、 农产品加工户等经营主体纾困解难。据统计，三季度以来，分行已累计投放农业个人经营贷款超300万 元，服务范围覆盖粮食种植、畜禽饲养、农产品初 ...

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 | 姓名 | 离任职务 | 离任时间 | | 原定任期 | 离任原因 | 是否继续在上 市公司及其控 | 具体职务（如适用） | 是否存在未 履行完毕的 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | 到期日 | | 股子公司任职 | 胡罡先生将继续担任本 | 公开承诺 | | 胡罡 | | 年 2025 9 月 28 | 日 | - | 工作安排 需要 | 是 | 行党委委员、执行董事、 董事会风险管理委员会 委员、副行长职务及本行 | 胡罡先生将 继续履行其 作 出 的 承 | | | 风险总监 | | | | | | | | | | | | | | | | 控股子公司中信银行（国 | 诺。 | | | | | | | | | 际）有限公司董事职务。 | | 二、风险总监离任对本行的影响 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 ...

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 ...

每经AI快讯，中信银行（SH 601998，收盘价：7.4元）9月28日晚间发布公告称，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。 2025年1至6月份，中信银行的营业收入构成为：利息收入占比137.22%，非利息收入占比20.83%。 （记者 王晓波） 截至发稿，中信银行市值为4118亿元。 每经头条（nbdtoutiao）——去美国的"打工人"天塌了！特朗普10万美元签证费击碎"美国梦"，美企加 速外包，加拿大趁机"抢人" ...

Core Viewpoint - Green finance is becoming a crucial engine for supporting China's sustainable high-quality economic development in the context of global climate change and the "dual carbon" goals [1] Group 1: Green Finance Strategy - CITIC Bank actively responds to national green finance policies and promotes low-carbon transformation for enterprises through its unique product service system and innovative thinking [1] - The bank has established 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, along with comprehensive and flexible customized services [2] - By June 30, 2025, CITIC Bank's green credit balance is expected to reach 701.415 billion yuan, representing a 17% increase from the previous year [1] Group 2: Innovative Financial Solutions - CITIC Bank's Guangzhou branch has successfully issued a REITs project based on distributed photovoltaic assets, achieving an issuance scale of 694 million yuan, marking the first of its kind in the Shenzhen Stock Exchange [4] - The bank has introduced a "sustainable-linked loan management approach," linking corporate ESG performance to loan interest rates, allowing companies to receive interest rate discounts for meeting predefined ESG targets [6][7] - The "carbon footprint-linked loan" mechanism encourages enterprises to reduce carbon emissions through technological upgrades, creating a positive cycle of cost reduction and environmental benefits [7] Group 3: Comprehensive Carbon Management Services - CITIC Bank has developed a carbon management service system that includes carbon consulting, carbon accounting, and carbon trading, providing comprehensive support for enterprises' carbon management needs [8] - The bank's "green low-carbon platform" serves as a marketing touchpoint and data hub, facilitating the development of precise financial products and risk pricing [8] Group 4: Future Outlook - CITIC Bank aims to deepen its green finance strategy by collaborating with group subsidiaries and external partners, focusing on product innovation, technology application, and market expansion [10] - The bank aspires to be not only a "fund provider" for enterprises' green transformation but also a "data partner" and "eco-builder" in creating a low-carbon future [10]

因本次调整给您带来的不便，敬请谅解。如有疑问，您可前往中信银行营业网点或致电中信银行客户服 务热线垂询，中信银行将竭诚为您服务。 2025年9月26日，中信银行（601998）发布公告称，因业务合规经营和发展需要，自2025年9月28日起， 中信银行将对代理上海黄金交易所个人交易睡眠户（账户无持仓份额、无可用金额）进行销户清理。 ...

1. Report Industry Investment Rating No information about the report industry investment rating is provided in the given content. 2. Core Viewpoints of the Report - External environment factors such as interest rate fluctuations, bond supply - demand, and policy orientation jointly impact bond investment returns. In H1 2025, the bond investment of 42 listed banks showed certain characteristics in scale, structure, and profit and loss, but there are still challenges in maintaining stable returns in the future [1]. - The overall bond investment scale of 42 listed banks expanded steadily in H1 2025. There were differences in the investment structure among different types of banks, with state - owned banks and city commercial banks having stable growth in the bond allocation portfolio, while joint - stock banks and rural commercial banks increased their efforts in the bond trading portfolio. The bond investment portfolio generally presented a pattern of "stable foundation and flexible gain" [1]. - The coupon income of 42 listed banks was generally stable in H1 2025 but showed a slight year - on - year decline. The fair value change loss was significant, and the investment income increased. However, the bond investment of the banking industry still faces pressure to maintain stable returns [1]. 3. Summary According to the Table of Contents 3.1 42 Listed Banks' Bond Investment Volume - **Overall Bond Investment Scale: Steady Expansion**: In H1 2025, the total scale of the three types of bond - type financial assets of 42 listed banks showed a steady expansion trend. The growth of debt investment - type financial assets measured at amortized cost was relatively slow, while the growth of trading financial assets measured at fair value and included in current profits and losses was relatively large, indicating that banks increased the proportion of trading positions [9]. - **Differentiated Bond Investment Distribution Structures among Different Bank Types**: In H1 2025, state - owned banks and city commercial banks showed stable growth in the bond allocation portfolio, which may be related to their participation in the primary - market issuance of important national and regional bond varieties. Joint - stock banks and rural commercial banks slightly weakened their bond allocation power but significantly increased their efforts in the bond trading portfolio, showing a differentiated feature of "stable allocation by large banks and prominent trading flexibility by small and medium - sized banks" [13]. - **Bond Investment Allocation Tilted towards Government - Related Bonds**: In H1 2025, commercial banks increased their allocation of government - related bonds, with an average month - on - month increase of about 10% for state - owned banks, joint - stock banks, and city commercial banks, and a slightly smaller increase for rural commercial banks. The allocation of financial bonds and other bonds was differentiated. All banks held a relatively large scale of government - related bonds, followed by financial bonds and credit - related bonds [18]. - **Correlation between Financial Asset Types and Bond Variety Structures**: The banking industry maintained a stable growth of interest - rate bonds in the bond allocation portfolio and increased the allocation of credit bonds, while the allocation of financial bonds was relatively weak. In the bond trading portfolio, interest - rate bonds and financial bonds were the core varieties, with a more significant increase than credit bonds, showing a "stable foundation and flexible gain" pattern [22]. 3.2 42 Listed Banks' Bond Investment Profit and Loss - **Coupon Income: Generally Stable and Still the Main Source of Income**: In H1 2025, the total coupon income of 42 listed banks decreased slightly year - on - year. Although the scale of held - to - maturity bonds increased, the decline in the coupon rate of newly issued bonds led to a decrease in coupon income. In the future, coupon income is still expected to be the main source of bond investment income for commercial banks [26]. - **Fair Value Change Loss: Losses in the Trading Level**: In H1 2025, the total fair value change loss of 42 listed banks decreased significantly year - on - year, indicating that it was difficult to obtain capital gains through short - term trading in the volatile bond market, and there were floating losses in bond trading [28]. - **Investment Income: Growth in All Bank Types**: In H1 2025, the actual investment income of 42 listed banks in the bond field increased significantly year - on - year. Although the book value appreciation of bond - type trading financial assets and other debt investment - type financial assets was not as good as that of the previous year, banks could still increase their investment income by selling floating - profit old bonds and waiting for the maturity of high - coupon bonds [31]. 3.3 Attribution and Summary - **External Environment Driving Factors: Interest Rate Fluctuations, Bond Supply - Demand, and Policy Orientation Jointly Impact Bond Investment Returns**: In H1 2025, the "more adjustments and fewer opportunities" bond market environment led to a general decline in the prices of existing bonds, resulting in a significant year - on - year decline in the fair value change loss of listed banks' bond investment. The supply of national bonds, local government bonds, and policy - based financial bonds increased, but the coupon rate of newly issued bonds decreased, leading to a decline in coupon income. Regulatory policies indirectly affected bond investment performance [35]. - **Banking Industry's Bond Investment Pressure and Future Outlook** - Overall Income Shows a Positive Trend but There Are Still Hidden Concerns: In H1 2025, the actual bond investment income of 42 listed banks increased slightly year - on - year, but the coupon income faced downward pressure in the interest - rate downward cycle, and it was more difficult to obtain spread income through band trading. Since H2 2025, the "stock - strong and bond - weak" pattern has emerged, and the loss caused by fair value change will be more obvious [3]. - Different Bank Types Show Differentiated Performance, and State - owned Banks' Pressure Is Relatively Controllable: State - owned banks can maintain a certain profit - making ability in the low - interest - rate volatile bond market due to their advantages in bond allocation and trading portfolios. Joint - stock banks, city commercial banks, and rural commercial banks are more vulnerable, and they may increase their capital allocation in the equity market, commodity market, and related structured fixed - income products in the future [3].

Core Viewpoint - The credit card industry is entering a phase of stock reduction, prompting banks to adjust credit card overdraft interest rates to enhance customer engagement and competitiveness in the face of declining transaction volumes and rising competition from consumer loans [2][4][6]. Group 1: Interest Rate Adjustments - Several banks, including Everbright Bank, have revised their credit card overdraft interest rates, breaking the previous standard of 0.05% [2]. - Everbright Bank's new rate structure allows for a daily interest rate of 0%-0.05%, translating to an annual interest rate of 0%-18.25%, effective from September 29 [2][4]. - This adjustment may enable high-quality credit card users to access a minimum overdraft interest rate of 0% under optimal conditions [4]. Group 2: Market Dynamics - The central bank's recent announcements signal a move towards the marketization of credit card overdraft rates, with plans to remove existing upper and lower limits on these rates [5]. - The push for marketization has been ongoing since 2020, with the central bank advocating for the removal of interest rate caps to allow for more flexible pricing based on negotiations between issuers and cardholders [5][6]. - The decline in credit card usage and transaction volumes has prompted banks to seek ways to retain existing customers through optimized interest rates and enhanced service offerings [6][8]. Group 3: Financial Implications for Banks - The number of credit cards and combined loan cards has decreased by 92 million since 2022, with many banks reporting declines in credit card loan scales and transaction volumes [8][11]. - In the first half of the year, 16 major banks reported a reduction in credit card loan scales by 194.5 billion yuan, indicating a broader trend of declining credit card business [11]. - Despite the challenges, some banks, like China Merchants Bank, maintain stable pricing strategies for credit card interest rates, focusing on risk-based pricing and consumer protection [9][10]. Group 4: Customer Engagement Strategies - Banks are implementing various strategies to enhance customer value, such as increasing credit limits, reducing fees, and offering more benefits to attract high-quality customers [10]. - For instance, China CITIC Bank reported that 55.48% of new credit card customers in the first half of the year were high-quality clients, reflecting a shift towards targeting more profitable customer segments [10].

当信用卡行业进入存量甚至"减量"阶段，用户精细化运营终于来到信用卡透支利率标准方面。 近日，多家银行对信用卡透支利率标准进行调整， 打破0.05%的透支利率标准。 光大银行近 期发布的公告显示，该行将信用卡透支利率收取标准由"日利率万分之三点五至万分之五（年 利 率 12.7750%-18.2500% ） " 调 整 为 " 日 利 率 0%-0.05% ， 按 照 单 利 算 法 近 似 折 算 年 利 率 为 0%-18.25%"。这一优化调整将于9月29日起正式生效。 | G 2 % 发布时间:2025年08月14日 T | At | | --- | --- | | 尊敬的光大信用卡客户: | | | 感谢您对光大银行信用卡的支持和信任,为了更好地向您提供优质的服务，我行拟对透支利率收取标准进行优化调 | | | 整,具体如下: | | | 一、调整内容 | | | 信用卡透支利率收取标准由"日利率万分之三点五至万分之五（年利率12.7750%-18.2500%）"调整为"日利率 | | | 0%-0.05%，按照单利算法近似折算年利率为0%-18.25%"。我行将根据持卡人的资信状况、用卡情况等动态调 ...