证券代码：601998 证券简称：中信银行 公告编号：临2025-089 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 12 月 29 日以书面形式 发出有关会议通知和材料，于 2025 年 12 月 30 日以书面传签形式完成一次董事 会会议召开并形成决议。本次会议应参与表决董事 8 名，实际参与表决董事 8 名， 方合英董事长因利害关系，回避表决。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，会议审议通过了以下议案： 2025年12月30日 审议通过《关于由方合英先生代为履行行长职责的议案》 方合英董事长因与该项议案存在利害关系，回避表决，该议案有效表决票数 为8票。 表决结果：赞成8票 反对0票 弃权0票 特此公告。 中信银行股份有限公司董事会 ...

12月30日金融一线消息，中信银行发布董事会会议决议公告，会议审议通过《关于由方合英先生代为履 行行长职责的议案》。 责任编辑：秦艺 12月30日金融一线消息，中信银行发布董事会会议决议公告，会议审议通过《关于由方合英先生代为履 行行长职责的议案》。 中信银行股份有限公司董事会会议决议公告 2025年12月30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。 责任编辑：秦艺 中信银行股份有限公司(以下简称本行)于2025年12月29日以书面形式 发出有关会议通知和材料,于2025年12月30日以书面传签形式完成一次董事 会会议召开并形成决议。本次会议应参与表决董事 8名,实际参与表决董事 8名, 方合英董事长因利苦关系,回避表决。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,会议审议通过了以下议案: 审议通过《关于由方合英先生代为履行行长职责的议案》 方合英董事长因与该项议案存在利害关系,回避表决,该议案有效表决票数 为8票。 表决结果: ...

责任编辑：秦艺 12月30日金融一线消息，中信银行发布公告称，董事会近日收到执行董事、行长芦苇辞呈。因工作调 整，芦苇于2025年12月30日辞去执行董事、行长等职务，原定任期分别到2027年6月和2028年4月20日。 其不会继续在公司及其控股子公司任职，也无未履行完毕的公开承诺。芦苇确认与董事会等无不同意 见，离任不会使董事会成员低于法定人数，且已做好工作交接。 责任编辑：秦艺 12月30日金融一线消息，中信银行发布公告称，董事会近日收到执行董事、行长芦苇辞呈。因工作调 整，芦苇于2025年12月30日辞去执行董事、行长等职务，原定任期分别到2027年6月和2028年4月20日。 其不会继续在公司及其控股子公司任职，也无未履行完毕的公开承诺。芦苇确认与董事会等无不同意 见，离任不会使董事会成员低于法定人数，且已做好工作交接。 ...

Core Viewpoint - Citic Bank's Chongqing Branch is committed to supporting the local economy by integrating party leadership with business development, focusing on the "Ten Thousand Enterprises" initiative to enhance financial services for the real economy [1][2]. Group 1: Party Leadership and Service Foundation - The Chongqing Branch actively implements the central economic work conference's spirit, emphasizing high-quality party leadership to deepen the "Ten Thousand Enterprises" initiative [2]. - The branch has formed 109 teams, including "Party Vanguard Teams" and "Youth Assault Teams," to address the financial service gap for small and micro enterprises [2]. Group 2: Service Innovation and Financial Solutions - The branch has established a comprehensive service system to address the financing challenges faced by small and micro enterprises, focusing on tailored financial solutions [3]. - Innovative products like "Science and Technology e-loan" and "Commercial Bill e-loan" are being promoted to enhance financing efficiency and reduce costs for enterprises [3][4]. Group 3: Expanding Service Reach and Collaboration - The Chongqing Branch plans to host nearly 50 events throughout 2025 to enhance collaboration between government, banks, and enterprises, ensuring financial service integration [5]. - A recent high-end matchmaking event attracted 147 European enterprises, resulting in 28 key projects signed, amounting to 975.5 billion yuan [6]. Group 4: Future Strategies and Goals - The Chongqing Branch aims to deepen strategic execution, expand the "Ten Thousand Enterprises" initiative's impact, and develop customized financial services for key industries [7]. - The branch will leverage Citic Group's comprehensive financial capabilities to support advanced manufacturing, technological innovation, and green development [7].

Core Viewpoint - Green development is a prominent feature of Chinese modernization, and developing green finance is a crucial measure to support the achievement of carbon peak and carbon neutrality goals [1] Group 1: Green Finance Strategy - The company positions green finance as a strategic priority, creating a diversified product system that includes green credit, green bonds, green leasing, and low-carbon services [2] - The bank focuses on clean energy sectors such as wind power, solar energy, and energy storage, integrating various financial services to support the development of a modern energy system [2] - As of mid-December 2025, the bank's green credit balance, including that of its leasing subsidiary, is expected to exceed 750 billion yuan [1] Group 2: Agricultural and Rural Development - The bank targets agricultural green development and rural revitalization, providing tailored financial products to support ecological agriculture and resource transformation [3] - A loan of 4 million yuan was provided to a tea processing company to address financing challenges related to forestry resources, promoting the transformation of resources into assets [3] Group 3: Environmental Protection Initiatives - The bank emphasizes ecological protection, supporting pollution control and biodiversity conservation through innovative financial tools [4] - A loan of 90 million yuan was allocated for ecological restoration projects in mining subsidence areas, enhancing local employment and environmental conditions [4] Group 4: Traditional Industry Transformation - The bank incorporates carbon reduction into its green finance strategy, offering sustainable development-linked loans to support traditional high-energy industries in their transition [5] - A landmark loan of 385 million yuan was issued to a green building company for its low-carbon transformation, establishing a replicable financing model for the industry [5] Group 5: Green Bonds and Financing - The bank has issued green bonds totaling 50 billion yuan in 2025, with a cumulative issuance of 45 billion yuan since 2023, directing funds to key green sectors [6] Group 6: Carbon Neutrality and Operational Practices - The bank is committed to building carbon-neutral branches, having recognized 300 green financial demonstration institutions by 2025 [7] - The Beijing branch implements energy-saving measures and promotes paperless operations to reduce carbon emissions [7] Group 7: Collaborative Ecosystem for Low-Carbon Development - The bank leverages its comprehensive financial services to create a collaborative ecosystem for low-carbon development, integrating various financial resources [8] - A significant cross-border acquisition deal in the environmental sector was facilitated, showcasing the bank's ability to navigate complex financial landscapes [8] Group 8: Green Supply Chain Development - The bank has initiated a green procurement system, embedding low-carbon requirements into supplier processes to promote overall supply chain sustainability [9] Group 9: Low-Carbon Service Platform - A specialized low-carbon service platform has been established to assist clients in managing carbon emissions and enhancing their competitive edge [10] Group 10: Commitment to Green Development - The bank aims to continue its green finance initiatives, focusing on clean energy, new materials, and sustainable practices to support the broader green transition [11][12]

中信银行长沙分行自2012年与湖南省体育产业集团开启合作以来，积极响应政策号召，将体育产业列为重点服务 领域，深入调研体育产业发展特点及产业链需求，以"融资+融智"模式构建全周期服务体系，为湖南省体育产业集 团提供授信支持、交易结算、资金归集等全方位的金融服务方案，实现从单一信贷支持到生态级服务赋能，进一 步加深与湖南省体育产业集团战略合作基础，以金融创新赋能实体经济，以金融引擎为体育产业发展注入澎湃动 能。 创新场景融合，为提振消费再添"一把火" 中信银行长沙分行积极落实促消费举措，联动湘潭、郴州、邵阳等二级分行，以湘超联赛各大赛事站点为依托， 带来赛事保障、应援装备、金融产品和知识普及等服务礼包，在为赛事注入金融活力的同时，把优质金融服务送 到群众身边，激发赛事消费热情，将"湘超"流量转化为消费增量。 长沙晚报掌上长沙12月30日讯（全媒体记者 陈星源 通讯员 王仕伸 毕竞）随着湘超联赛火爆出圈带来品牌效应和 流量价值，一种以体育为纽带、深度融合文体旅的新模式正在浮现，为湖南省提振消费、促进发展注入了新的活 力与魅力。 作为湘超联赛奖项冠名合作伙伴，中信银行长沙分行紧抓"赛事经济"机遇，与湖南省足球协会超 ...

Core Viewpoint - Green development is a prominent feature of Chinese modernization, and developing green finance is a crucial measure to support the achievement of carbon peak and carbon neutrality goals [1] Group 1: Green Finance Strategy - The company positions green finance as a strategic priority, creating a diversified product system that includes green credit, green bonds, green leasing, and low-carbon services [2] - The company focuses on clean energy sectors such as wind power, solar energy, and energy storage, integrating various financial services to support the development of a modern energy system [2] - The company has achieved a green credit balance exceeding 750 billion yuan by December 2025 [1] Group 2: Agricultural and Rural Development - The company targets agricultural green development and rural revitalization, providing financial products tailored to ecological agriculture and smart farming [3] - A loan of 4 million yuan was provided to a tea processing enterprise to address financing challenges related to forestry resources [3] Group 3: Environmental Protection - The company emphasizes ecological protection by supporting pollution control, ecological restoration, and biodiversity conservation through innovative financial tools [4] - A loan of 90 million yuan was allocated for an ecological restoration project in a subsided coal mining area, improving the local environment and creating job opportunities [4] Group 4: Traditional Industry Transformation - The company integrates carbon reduction into its green finance strategy, offering sustainable development-linked loans to support traditional high-energy-consuming industries in their transformation [5] - A loan of 385 million yuan was provided to a green building enterprise for its low-carbon transition, marking a significant innovation in financing models for the building materials industry [5] Group 5: Green Bonds and Financing - The company has issued green financial bonds totaling 50 billion yuan in 2025 and 45 billion yuan since 2023, directing funds to key green sectors [6] Group 6: Carbon Neutrality Initiatives - The company is building a carbon-neutral branch network, with the first batch of 300 green financial demonstration institutions recognized by 2025 [7] - The Beijing branch has implemented energy-saving measures and achieved the first carbon-neutral branch recognition within the system [7] Group 7: Collaborative Development - The company leverages its collaborative advantages to create a comprehensive green finance service, integrating various financial resources to support environmental enterprises [8] - A significant cross-border acquisition transaction in the environmental sector was facilitated, showcasing a multidimensional collaborative service model [8] Group 8: Green Supply Chain - The company has initiated the construction of a green procurement system, embedding low-carbon requirements into procurement processes to encourage suppliers to enhance their ESG performance [9] Group 9: Low-Carbon Service Platform - The company is developing a specialized low-carbon service platform to assist clients in managing carbon emissions and enhancing their competitive edge [10] Group 10: Future Directions - The company aims to continue supporting green transformation in various sectors, including clean energy and green transportation, while expanding its green finance boundaries [11] - The company plans to enhance its green procurement management system and collaborate with regulatory bodies and research institutions for innovative product development [12]

Core Insights - The banking sector has shown a high win rate of over 80% in the ten years leading up to the Spring Festival, with significant differentiation among individual stocks, where quality joint-stock banks and city commercial banks often outperform, while state-owned banks provide stable performance [2][4][19] - The Shenyin Wanguo Banking Index has the highest win rate for absolute and excess returns among 31 industry indices, with an average absolute return of 4.4% and an average excess return of 4.9% before the Spring Festival [2][4] - The favorable conditions for the banking sector before the Spring Festival in 2026 are expected to continue, driven by balanced market styles, strong demand for high-dividend stocks, and supportive policies leading to better credit performance [2][16][22] Stock Allocation Recommendations - A suggested allocation strategy is to maintain a stable core position (30% in state-owned banks) and an aggressive portfolio (70% in quality joint-stock banks and city commercial banks) [3][19][22] - Key recommendations for stable state-owned banks include Bank of Communications and Industrial and Commercial Bank of China, while the aggressive portfolio should focus on China Merchants Bank, CITIC Bank, Ningbo Bank, Changsha Bank, and Chongqing Rural Commercial Bank [3][19][22] Individual Stock Performance - Individual stock performance shows significant differentiation, with quality joint-stock banks and city commercial banks more likely to achieve excess returns, while state-owned banks are characterized by strong defensiveness but limited elasticity [13][19] - Historical data indicates that the top-performing bank stocks before the Spring Festival include China Merchants Bank, Industrial Bank, Ningbo Bank, Jiangsu Bank, and Changsha Bank, which frequently appear in the top gainers list [13][14] Market Dynamics and Future Outlook - The high win rate of the banking index before the Spring Festival is attributed to various factors, including balanced market styles, strong demand for high-dividend stocks, and effective policy measures [16][20][22] - For 2026, the expectation is that the banking sector will continue to benefit from stable growth policies, with a likely increase in credit issuance compared to the previous year, favoring banks with strong credit performance [16][22]

Group 1 - The article highlights the top 20 stocks in the S&P China A-Share Dividend Opportunity Index (CSPSADRP) based on their daily and year-to-date performance as of December 30, 2025 [1][5] - The top performer is Jiufeng Energy (605090.SH) with a daily increase of 10.01% and a year-to-date increase of 68.11%, along with a dividend yield of 2.74% [1][5] - Other notable stocks include Jiangsu Jingjin Environmental Protection (603279.SH) with a daily increase of 4.12% and a year-to-date decrease of 2.92%, and Qianjiang Motorcycle (000913.SZ) with a daily increase of 3.76% and a year-to-date decrease of 7.90% [1][5] Group 2 - The list includes several banks, with Agricultural Bank of China (601288.SH) showing a significant year-to-date increase of 51.86% and a daily increase of 1.73% [1][5] - China Petroleum (601857.SH) and Shanghai Bank (601229.SH) also performed well, with year-to-date increases of 18.78% and 16.65% respectively [1][5] - The data is sourced from the Shanghai Stock Exchange and reflects the closing prices as of December 29, 2025, with dividend yields calculated up to December 26, 2025 [1][5]

Core Viewpoint - Ping An Life increased its stake in Agricultural Bank of China (ABC) by acquiring 44.05 million H-shares, raising its total holdings to 5.842 billion shares, which now represents over 19% of ABC's total H-shares [1] Group 1: Market Conditions - The banking sector's "high dividend, low valuation" characteristic has re-emerged, with average dividend yields for A-shares and H-shares at 4.3% and 5% respectively as of December 19 [1] - The People's Bank of China is expected to maintain a moderately loose monetary policy, with potential for interest rate cuts and reserve requirement ratio reductions in 2026 [1][2] Group 2: Investment Outlook - Long-term demand for capital allocation in the banking sector is anticipated to continue, driven by the "high dividend, low valuation" logic [2] - The recent appreciation of the RMB is favorable for the performance of RMB-denominated equity assets, with expectations for stable macro-financial conditions leading to improved bank operating environments [2] Group 3: Banking Sector Overview - The Hong Kong-listed banks include Agricultural Bank of China, China Merchants Bank, Industrial and Commercial Bank of China, China Construction Bank, Minsheng Bank, Postal Savings Bank of China, and Citic Bank [3]