证券代码：601998 证券简称：中信银行 公告编号：临 2024-028 中信银行股份有限公司 关于召开 2023 年年度股东大会、2024 年第二次 A 股 类别股东会及 2024 年第二次 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： 一、 召开会议的基本情况 (一) 股东大会类型和届次 2023 年年度股东大会、2024 年第二次 A 股类别股东会及 2024 年第二次 H 股类别股东会（合称"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：2024 年 6 月 20 日 9 点 30 分 1 股东大会召开日期：2024年6月20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 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、 ...

中信银行股份有限公司 2023年年度股东大会 2024年第二次A股类别股东会 2024年第二次H股类别股东会 会议资料 二〇二四年六月二十日 会 议 议 程 会议召开时间：2024年6月20日（周四）9:30 会议召开地点：中国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 召 集 人：中信银行股份有限公司董事会 会 议 日 程： 2 一、 宣布会议开始 二、 统计出席会议股东的人数及所持有表决权的股份 总数 三、 董事会秘书宣示会议须知 四、 推选计票人、监票人 五、 审议议案、投票表决 六、 休会（统计表决结果） 七、 宣布表决结果 八、 律师宣读法律意见书 九、 宣布会议结束 | 议案一：关于《中信银行股份有限公司 年年度报告》的议案 2023 5 | | --- | | 议案二：关于中信银行股份有限公司 2023 年度决算报告的议案 6 | | 议案三：关于《中信银行股份有限公司 年度利润分配方案》的议 2023 | | 案 7 | | 议案四：关于中信银行股份有限公司 2024 年度财务预算方案的议案 | | 10 | | 议案五：关于《中信银行股份有限公司 2024 年—2026 年股 ...

Financial Performance - Net profit attributable to shareholders for Q1 2024 was RMB 19.19 billion, a slight increase of 0.25% year-on-year[7]. - Operating income for Q1 2024 was RMB 53.77 billion, representing a year-on-year growth of 4.69%[7]. - The net profit for the group in Q1 2024 was RMB 19,391 million, slightly down from RMB 19,445 million in Q1 2023, a decrease of 0.3%[49]. - The total operating income for the group in Q1 2024 was RMB 53,770 million, an increase from RMB 51,363 million in Q1 2023, representing a growth of 3%[48]. - The group’s investment income surged to RMB 8,149 million in Q1 2024, compared to RMB 3,189 million in Q1 2023, marking a significant increase of 155%[48]. - The net interest income decreased to RMB 34,960 million in Q1 2024 from RMB 36,626 million in Q1 2023, a decline of 5%[48]. Asset and Liability Management - As of March 31, 2024, total assets reached RMB 9,070.31 billion, a 0.20% increase from the end of 2023[5]. - The total liabilities decreased by 0.39% to RMB 8,285.63 billion compared to the end of 2023[5]. - CITIC Bank's total liabilities amounted to RMB 8,285,630 million as of March 31, 2024, compared to RMB 8,317,809 million at the end of 2023[45]. - The total assets of the group as of March 31, 2024, reached RMB 9,070,311 million, compared to RMB 9,052,484 million at the end of 2023, reflecting a growth of 0.2%[46]. - The total liabilities and equity of the bank reached RMB 9,070,311 million as of March 31, 2024, up from RMB 8,565,245 million at the end of 2023, an increase of 5.9%[46]. Loan and Deposit Growth - The total amount of loans and advances was RMB 5,582.31 billion, reflecting a 1.53% increase compared to the end of 2023[5]. - Customer deposits totaled RMB 5,417.09 billion, a 0.35% increase from the end of 2023[5]. - The bank's total number of personal clients reached 139 million, an increase of 2.0591 million from the end of the previous year[22]. - The bank's total number of corporate clients reached 1.1868 million, an increase of 29,200 from the end of the previous year[22]. - The balance of inclusive small and micro enterprise loans was CNY 572.690 billion, an increase of CNY 27.614 billion, with a growth rate higher than that of all loans[17]. Risk Management and Asset Quality - As of March 31, 2024, the bank's non-performing loan balance is CNY 656.37 billion, an increase of CNY 8.37 billion from the end of the previous year, with a non-performing loan ratio of 1.18%[26]. - The bank's provision coverage ratio is 207.79%, up by 0.2 percentage points from the end of the previous year, while the loan provision ratio is 2.44%, down by 0.01 percentage points[26]. - The bank has implemented a comprehensive risk management system, focusing on optimizing credit structures and enhancing risk management capabilities[24]. - The bank's digital risk control tools are being applied across various credit processes, including pre-loan approval and post-loan management[24]. Shareholder Structure - The total number of ordinary shareholders is 128,730, with 102,330 being A-share holders and 26,400 being H-share holders[33]. - China CITIC Financial Holdings Limited holds 67.05% of the shares, making it the largest shareholder[33]. - The top ten shareholders collectively hold 68.70% of the total shares, indicating a high concentration of ownership[35]. - The total number of preferred shareholders is 39, with China Mobile Communications Group Co., Ltd. being the largest preferred shareholder, holding 43,860,000 shares (12.53%) of the total[38]. - The report indicates that there are no preferred shareholders with voting rights restored[38]. Cash Flow and Liquidity - The net cash flow from operating activities showed a significant outflow of RMB 333.14 billion, compared to an outflow of RMB 12.73 billion in the same period last year[10]. - The liquidity coverage ratio as of March 31, 2024, is 128.99%, down from 167.48% on December 31, 2023, but still above the regulatory requirement of 100%[32]. - The net cash flow from operating activities for the group in Q1 2024 was negative RMB 333,139 million, compared to a negative RMB 12,733 million in Q1 2023[51]. - The total cash inflow from operating activities was RMB 210,205 million in Q1 2024, down from RMB 497,241 million in Q1 2023[51]. - The cash and cash equivalents at the end of Q1 2024 were RMB 181,659 million, down from RMB 309,320 million at the end of Q1 2023[52].

证券代码：601998 证券简称：中信银行 公告编号：临 2024-024 中信银行股份有限公司 关于 2024 年无固定期限资本债券发行完毕的公告 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。 根据中国人民银行《准予行政许可决定书》（银许准予决字〔2024〕第 6 号）， 中信银行股份有限公司（以下简称"本行"）获准发行金融债券，2024 年金融债 券新增余额不超过 800 亿元，年末金融债券余额不超过 3,600 亿元。根据《国家 金融监督管理总局关于中信银行发行资本工具的批复》（金复〔2023〕467 号）， 本行获准发行不超过 1,200 亿元人民币的资本工具。 经前述监管机构批准，本行近日在全国银行间债券市场发行了 2024 年无固 定期限资本债券（第一期）（以下简称"本期债券"）。本期债券已于 2024 年 4 月 24 日簿记建档，并于 2024 年 4 月 26 日发行完毕。 本期债券发行规模为人民币 300 亿元，前 5 年票面利率为 2.42%，每 5 年调 整一次，在第 5 年及之后的每个付息日附发行人有 ...

Core Viewpoint - The banking sector has seen a significant rally, with multiple bank stocks reaching or nearing historical highs, driven by strong market sentiment and favorable regulatory developments [1] Group 1: Market Performance - On April 18, bank stocks collectively rose, continuing the upward trend from the previous day, with the banking index increasing by 1.09% [1] - CITIC Bank's stock price rose from 7.27 CNY per share on April 17 to 7.79 CNY per share on April 18, marking a notable increase [1] - Trading volumes surged, with CITIC Bank recording a transaction amount of 1.498 billion CNY on April 17 and 2.682 billion CNY on April 18, representing a 79% increase [1] Group 2: Influencing Factors - The recent issuance of a government document encouraging cash dividends for listed companies has positively influenced the banking sector, attracting more long-term investment [1] - Central Huijin Investment's recent purchase of 1.089 billion shares in the four major banks has provided additional support to the banking sector [1] - The release of better-than-expected quarterly data has enhanced market expectations for bank profitability, contributing to the rise in bank stocks [1] Group 3: Dividend Trends - Over 20 banks have disclosed their annual performance and dividend distributions, with major banks collectively surpassing 410 billion CNY in dividends for the first time, setting a new historical record [1] - All major banks reported a dividend payout ratio exceeding 30%, highlighting the importance of dividends in the recent stock price increases [1]

Core Viewpoint - The strong performance of CITIC Bank's stock, which has risen nearly 50% this year, reflects a broader positive trend in the A-share banking sector, driven by favorable policies and increased investor confidence [1][2]. Group 1: Stock Performance - CITIC Bank's stock price reached a high of 7.93 yuan on April 18, with a closing increase of 9.08%, marking a year-to-date increase of 49.91%, the highest among 42 A-share listed banks [1]. - Other banks, including Agricultural Bank of China and Bank of China, also saw their stock prices reach historical highs, with 29 listed banks experiencing a year-to-date increase of over 10% [2]. - A total of 10 banks, including CITIC Bank, reported stock price increases exceeding 20% this year [2]. Group 2: Financial Performance - CITIC Bank reported a revenue of 205.9 billion yuan in 2023, a decrease of 2.6% year-on-year, while net profit attributable to shareholders was 67.02 billion yuan, an increase of 7.91% [1]. - The bank plans to distribute a cash dividend of 17.43 billion yuan for 2023, the highest since its listing, with a dividend payout ratio of 28.01% [1]. Group 3: Market Confidence and Investment Trends - The recent strong performance of bank stocks is attributed to the introduction of new policies encouraging long-term value investment, which aligns with the characteristics of banks that offer high dividend yields [1]. - Significant share buybacks by major shareholders, including Central Huijin Investment, have bolstered investor confidence in bank stocks [3]. - A total of 13 listed banks have seen substantial share buybacks this year, indicating a positive market signal regarding stock valuations [3].

Core Viewpoint - The banking sector is experiencing a positive trend, with significant gains in bank stocks, particularly in state-owned banks, driven by favorable valuations and strong dividend yields [1] Summary by Sections Market Performance - On April 18, the Shanghai Composite Index briefly surpassed 3100 points, with the financial sector showing overall gains and bank stocks performing notably well [1] - Citic Bank reached its daily limit again, with a peak increase of over 6%, closing at 7.93 yuan per share, marking a 9.08% rise [1] - Other banks such as Ningbo Bank, Xi'an Bank, Ping An Bank, and Lanzhou Bank also saw increases exceeding 3% [1] - As of the close, 40 bank stocks, including Citic Bank, were in the green [1] Institutional Investment - The valuation of state-owned banks is viewed positively, with Huijin Investment recently increasing its holdings in the four major banks [1] - As of April 10, 2024, Huijin had cumulatively increased its holdings in major banks, acquiring over 1 billion shares across several banks, including 287 million shares of ICBC and 401 million shares of ABC [1] Dividend and Valuation Insights - The six major state-owned banks plan to distribute a total of 413.4 billion yuan in dividends for 2023, with a dividend payout ratio of 30% or more [1] - Changjiang Securities noted that low-valued dividend assets are being continuously allocated by the market, leading to a significant change in the valuation system of bank stocks [1] - Guosen Securities indicated that the current low valuation of the banking sector presents minimal downside risk, with potential for valuation recovery if the macro economy continues to improve [1] Investment Strategies - Wanlian Securities highlighted that the high dividend yield and low valuation of bank stocks make them a preferred choice for investors, especially amid rising defensive market demand [1] - The focus for selecting high-dividend stocks is shifting towards the stability of earnings, as the overall profit growth of the banking sector may have entered a bottoming phase [1]

银行/股份制银行Ⅱ 公 司 研 中信银行（601998.SH） 基本面稳中向好，业务支撑更趋多元 究 2024年04月18日 ——0417 中信银行跟踪更新 投资评级：买入（维持） 刘呈祥（分析师） 吴文鑫（联系人） liuchengxiang@kysec.cn wuwenxin@kysec.cn 日期 2024/4/17 证 书编号：S0790523060002 证书编号：S0790123060009 当前股价(元) 7.27  新时期聚力新打法，预计Q1经营业绩保持平稳 公 一年最高最低(元) 8.27/5.17 从基本面来看，中信银行近年依托集团协同优势、重视客户分层经营，在资产扩 司 信 总市值(亿元) 3,874.38 张、成本压降和改善资产质量方面亮点较多。2023 年归母净利润为 670 亿元 息 流通市值(亿元) 2,792.45 （YoY+7.91%），增速为已披露年报的上市股份行第二高，显示了较好的增长韧 更 总股本(亿股) 532.93 性。我们预计其Q1经营业绩保持平稳，维持中信银行2024-2026年盈利预测， 新 报 流通股本(亿股) 384.11 预计其归母净利润分别为 721 ...

中國‧北京 二零二四年四月十七日 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份內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 998 董事會會議召開日期 中信銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，董事會將於二零二四年四 月二十九日（星期一）舉行董事會會議，以考慮及通過（包括其他事項）本行及其附屬公司 截至二零二四年三月三十一日止三個月的季度業績。 承董事會命 中信銀行股份有限公司 方合英 董事長 於本公告日期，本行執行董事為方合英先生（董事長）及劉成先生（行長）；非執行董事為 曹國強先生、黃芳女士及王彥康先生；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。 ...

副行长、财务总监辞任公告 证券代码：601998 证券简称：中信银行 公告编号：临2024-023 中信银行股份有限公司 本行董事会谨此对王康先生担任本行有关职务期间为本行做出的贡献表示 衷心感谢。 特此公告。 中信银行股份有限公司董事会 2024年4月12日 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（简称"本行"）副行长、财务总监王康先生因工作 调整原因，于2024年4月12日向本行董事会提交辞呈，辞去其所担任的本行副行 长、财务总监职务。王康先生的辞任自辞呈送达本行董事会之日起生效。 王康先生兹确认，其本人与本行董事会、高级管理层无不同意见，亦无任何 事项须提请本行股东注意。王康先生确认其无任何针对本行，正在发生或将要发 生的诉讼和争议。 ...