创金合信中证红利低波动指数A（005561）基金经理为董梁、孙悦。 9月18日，中信银行跌1.71%，截至发稿，报7.48元/股，成交4.49亿元，换手率0.15%，总市值4162.26亿 元。中信银行股价已经连续5天下跌，区间累计跌幅5.32%。 资料显示，中信银行股份有限公司位于北京市朝阳区光华路10号院1号楼6-30层,32-42层,香港九龙柯士 甸道西1号环球贸易广场80层，成立日期1987年4月20日，上市日期2007年4月27日，公司主营业务涉及 公司银行业务、零售银行业务及资金资本市场业务。主营业务收入构成为：公司银行业务44.58%，零 售银行业务40.10%，金融市场业务14.97%，其他业务及未分配项目0.35%。 从基金十大重仓股角度 数据显示，创金合信基金旗下1只基金重仓中信银行。创金合信中证红利低波动指数A（005561）二季 度持有股数1274.61万股，占基金净值比例为2.63%，位居第五大重仓股。根据测算，今日浮亏损失约 165.7万元。连续5天下跌期间浮亏损失535.34万元。 创金合信中证红利低波动指数A（005561）成立日期2018年4月26日，最新规模18.66亿。今 ...

Group 1 - The core viewpoint of the report highlights that the banking sector is experiencing a recovery in revenue growth and profitability, with a year-on-year increase in operating income of 1.04% and a net profit growth of 0.80% in the first half of 2025, indicating a positive trend after previous declines [3][17][19] - The report emphasizes the importance of "volume-price balance" in banking operations for 2025, with banks focusing on improving asset quality and avoiding excessive low-priced credit supply, leading to a slight decrease in the loan ratio to 55.8% for listed banks [4][27][29] - Non-interest income has shown significant recovery, with a notable contribution from investment income, which is expected to account for 29.5% of total revenue in the first half of 2025, reflecting a shift towards diversified income sources [3][4][24] Group 2 - The report identifies challenges in the asset side of banks, including difficulties in finding quality assets and the need for balance sheet adjustments rather than mere expansion, as the demand for credit remains weak [4][5] - On the liability side, the trend of "wealthization" of deposits is creating liquidity management challenges, with a significant amount of high-interest fixed deposits maturing in the second half of 2025, potentially leading to a reduction in deposit costs [5][6] - The report notes a divergence in the provisioning trends between state-owned banks and smaller banks, with state-owned banks increasing their provisions while smaller banks face a decline in their coverage ratios due to rising non-performing loans [6][7][24] Group 3 - Investment strategies suggested in the report include focusing on banks with stable dividends and low implied price-to-book ratios, as well as selecting stocks based on funding attributes, competitive landscape, safety margins, and dividend strategies [7][8] - The report highlights specific banks that are expected to benefit from the current competitive landscape, including Agricultural Bank of China, China Merchants Bank, and CITIC Bank, among others [7][8][24] - The overall outlook for the banking sector remains cautiously optimistic, with expectations of a stabilization in net interest margins around 1.4% for the year [3][4][5]

为贯彻落实总行"进万企—信服惠企"工作要求，进一步推动高质量客群建设，中信银行北京分行在总行 公司客户部的支持下，作为协办单位承办"创客北京2025"创新创业大赛（以下简称"创客北京2025"）， 全程参与并助力赛事取得圆满成功。"创客北京"为北京市经信局主办的市级创新创业大赛，本次第十 届"创客北京2025"大赛共吸引超6000个项目报名参赛，参赛企业集中在北京市重点发展的高精尖产业和 具有潜力的未来企业，与中信银行着力拓展的目标群体高度一致。 中信银行北京分行作为创客大赛的协办单位，已连续四年为参赛企业提供服务，并以精湛的专业能力和 优质的综合服务获得了主办方、各区委办局、参赛企业的高度认可和一致好评，同时也为经营单位丰富 了服务场景，是分行对公中小客群战略的成功实践。未来，中信银行北京分行将进一步加深与市经信局 合作，为中小企业搭建交流、展示、服务、对接平台，丰富拓展融通对接的广度、维度和深度，与广大 企业客户共成长。 "创客北京2025"复赛结束后，共有673个项目进入决赛阶段，中信银行北京分行结合区域经济特点，成 功支撑了高端制造行业、科技服务行业、新材料和绿色能源等行业决赛。分行公司部积极筹备赛事 ...

Core Viewpoint - The article emphasizes the need for banks, particularly CITIC Bank, to fundamentally reconstruct their value creation model in response to structural challenges in the banking industry, such as interest rate marketization and financial disintermediation [1][2][3]. Group 1: Financial Performance - CITIC Bank's 2025 mid-term report shows a steady profit growth, with a 2.8% increase in net profit attributable to shareholders in the first half of 2025, indicating resilience in a challenging environment [9]. - The bank's total assets grew by 8.28% year-on-year, and its net interest margin (NIM) of 1.63% ranks among the top in the industry, reflecting effective management of interest income and costs [5][13]. Group 2: Quality of Growth - The bank focuses on high-quality growth, which is not merely about improving financial metrics but involves a multi-dimensional evolution in structure, efficiency, risk, and innovation [4][5]. - CITIC Bank is transitioning from a scale-dependent model to one driven by capabilities, as evidenced by faster growth in off-balance sheet financing and wealth management compared to traditional lending [6][7]. Group 3: Systematic Approach - The bank's management prioritizes system construction and capability enhancement over short-term results, believing that a robust system is essential for sustainable growth [10][11]. - CITIC Bank's strategy includes a clear path for system advancement, focusing on core capabilities and integrated multi-dimensional capabilities to create a unique financial ecosystem [10]. Group 4: Structural Optimization - The bank emphasizes structural optimization across various dimensions, including business, asset, liability, and customer structures, to ensure balanced and resilient growth [12]. - CITIC Bank's approach to asset quality involves increasing credit support for high-quality assets while reducing the proportion of low-efficiency assets, aligning with national strategic goals [12]. Group 5: Risk Management - The bank has adopted a proactive risk management strategy, integrating risk considerations into all business processes rather than relying solely on traditional tightening measures [14][15]. - Key risk indicators, such as non-performing loan ratios and provisioning coverage, remain stable, with a focus on enhancing the value of problem assets through effective management [15]. Group 6: Competitive Advantage - The competitive advantage for CITIC Bank lies in its adaptive capabilities and deep systemic strength rather than mere speed or scale, positioning it for sustainable development in a complex environment [16].

透过问题看本质。要实现真正的"破局"，重构银行的价值创造模式才是核心。 中信银行2025年中期报告的发布，给了外界一个观察大型商业银行如何解决系统性问题的契机。中 报显示，中信银行延续了一直以来的向上向好态势，2025年上半年交出了利润继续平稳增长，同时 净息差领先上市银行同业，资产质量稳中向好的答卷。 显然，中信银行有资格回答这个问题。 利率市场化深化持续压缩净息差，金融脱媒分流传统存贷业务，宏观环境周期性波动与结构性调整下 资产质量承压……在现代银行业普遍面临的结构性挑战前，传统的战术优化或周期性政策调整，渐显 乏力。 中信银行在中报所展现出的，正是"系统最优"而非"局部最大"的发展理念。表外综合融资规模增长快 于表内资产增长、一般贷款规模增长快于总资产增长、存款规模的增长快于总负债增长，财富管理的 规模增长快于总存款增长等，均是高质量增长全面且有力的证明，说明其正在摆脱"规模依赖"，转 向"能力驱动"。 剥开数据的表层，真正值得凝视的，正是中信银行在高速变革的金融环境中如何实现自我的深度重 构。就像中信银行董事长方合英所言，中信银行所践行的，不是一场追逐风口的短跑，而是一场以体 系能力为基、以结构均衡为 ...

Core Viewpoint - The recent credit card fraud incidents involving SPDB and Mastercard have raised significant concerns about the security of cross-border payment systems, highlighting vulnerabilities in the risk management frameworks of banks and card organizations [1][9][10]. Group 1: Incident Overview - The fraud incidents primarily affected SPDB's Mastercard "Red Sand宣" credit card and CITIC Bank's "Dark Destruction" debit card, with unauthorized transactions reported by multiple consumers [1][3][8]. - SPDB and Mastercard initiated an emergency investigation upon detecting unauthorized transactions, assuring that cardholders would not bear the financial losses [9][11]. - The fraud cases involved various issues, including unblocked abnormal transactions, exceeding card limits, and unauthorized charges on canceled or reported lost cards, all occurring overseas [8][12]. Group 2: Consumer Experiences - Consumers reported receiving notifications of unauthorized transactions, with one case involving a transaction in Indonesia that was processed without prior notification to the cardholder [6][10]. - Some users experienced multiple failed attempts of unauthorized transactions that were intercepted by the bank's security systems, preventing actual losses [6][10]. - The lack of timely alerts and information about pre-authorizations raised questions about the effectiveness of banks' communication and security measures [6][12]. Group 3: Responsibility and Risk Management - The incidents have sparked discussions about the responsibilities of card organizations like Mastercard and issuing banks in managing fraud risks, particularly in cross-border transactions [10][11]. - The complexity of cross-border payments, including the roles of card organizations, issuing banks, and acquiring institutions, complicates the accountability for fraud incidents [11][12]. - Experts suggest that the lack of coordination and real-time data sharing between banks and card organizations contributes to the vulnerabilities in the payment system [15][16]. Group 4: Recommendations for Improvement - Industry analysts recommend establishing real-time data sharing mechanisms between issuing banks and card organizations to enhance fraud detection and prevention [15][16]. - There is a call for technological upgrades, including the adoption of dynamic encryption and AI-driven risk management systems, to strengthen security measures against fraud [15][16]. - A collaborative approach involving regulatory bodies, banks, and card organizations is essential to create a comprehensive framework for cross-border payment security [14][15].

Group 1 - The event "Driving Specialized, Refined, Unique, and Innovative Enterprises" was organized to promote financing for specialized enterprises in Henan Province, highlighting the importance of these enterprises in technological innovation and economic development [1][2] - China CITIC Bank Zhengzhou Branch introduced customized financial products such as "Technology Loan" and "Innovation e-Loan," along with comprehensive service solutions like investment-loan linkage and cross-border settlement [1] - The event served as a platform for communication between banks and enterprises, aiming to enhance financial service models and support the growth of specialized enterprises, contributing to high-quality economic development [2] Group 2 - The Secretary-General of the Henan Specialized, Refined, Unique, and Innovative Enterprises Promotion Association emphasized the role of these enterprises as leaders in technological innovation and key players in industrial upgrading [1] - The association aims to integrate resources and provide multi-level support for enterprises, encouraging financial institutions to innovate credit models and offer more precise financial products [1]

据悉，中信银行郑州分行各辖区机构积极参加属地人行组织的经理国库40周年活动。9月5日，在人民银 行平顶山市分行、平顶山市总工会举办的"中国人民银行经理国库40周年知识技能竞赛"活动中，中信银 行平顶山分行荣获团体一等奖，并获得个人一等奖、二等奖、三等奖各一名。中信银行新乡分行荣 获"国库四十载 竞逐新未来"国库知识与竞赛活动团体二等奖，中信银行洛阳分行在中国人民银行洛阳 市分行举办的"国库知识我知道"线上竞答活动中表现突出，荣获"优秀组织单位"称号。（张营营 方子 匀） 编辑：穆皓 在中国人民银行经理国库四十周年之际，中信银行郑州分行积极响应人民银行号召，精心组织了形式多 样的主题宣传活动。中信银行郑州分行组织职工学习了国库历史，通过梳理国库发展脉络，确保职工熟 练掌握国库知识、提升自身素养。同时，该行充分发挥营业网点"主阵地"作用，在营业大厅显著位置设 立主题宣传专区，并在LED显示屏播放宣传口号；在营业网点设置国库／国债咨询台，由业务骨干为客 户宣讲国库职能，并为新市民、中老年等重点客群提供服务。 此外，中信银行郑州分行还在农贸市场、社区、商铺等地进行宣传，详细介绍人民银行经理国库在国债 发行、资金归集、 ...

Core Viewpoint - The banking sector, particularly the joint-stock banks, experienced a decline of 1.54% on September 16, with Shanghai Pudong Development Bank leading the drop [1] Group 1: Market Performance - The Shanghai Composite Index closed at 3861.87, up 0.04%, while the Shenzhen Component Index closed at 13063.97, up 0.45% [1] - The individual performance of joint-stock banks showed varied results, with most banks experiencing a decline in share price [1] Group 2: Individual Bank Performance - Ping An Bank closed at 11.64, down 0.09% with a trading volume of 708,000 shares and a transaction value of 82.58 million [1] - Zhejiang Commercial Bank closed at 3.06, down 0.33% with a trading volume of 1,565,300 shares and a transaction value of 4.80 million [1] - China Merchants Bank closed at 41.75, down 1.11% with a trading volume of 859,100 shares and a transaction value of 3.60 billion [1] - CITIC Bank closed at 7.64, down 1.42% with a trading volume of 524,000 shares and a transaction value of 402 million [1] - Minsheng Bank closed at 4.13, down 1.43% with a trading volume of 9,878,100 shares and a transaction value of 4.11 million [1] - Everbright Bank closed at 3.55, down 1.66% with a trading volume of 5,724,600 shares and a transaction value of 2.05 billion [1] - Industrial Bank closed at 20.70, down 1.76% with a trading volume of 1,098,600 shares and a transaction value of 2.29 billion [1] - Huaxia Bank closed at 6.98, down 1.83% with a trading volume of 1,360,700 shares and a transaction value of 958 million [1] - Shanghai Pudong Development Bank closed at 13.16, down 2.01% with a trading volume of 885,100 shares and a transaction value of 1.17 billion [1] Group 3: Capital Flow - The joint-stock banking sector saw a net outflow of 3.42 billion in principal funds, while speculative funds saw a net inflow of 1.45 billion and retail investors saw a net inflow of 1.97 billion [1]

每经AI快讯，银行股午后震荡走弱，宁波银行跌近2%，农业银行、浦发银行、中信银行等跌超1%。 （文章来源：每日经济新闻） ...