Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure on December 18 marks a significant step in China's commitment to high-level opening-up and the construction of an open world economy, presenting new development opportunities across various industries [1] Group 1: Support for Hainan's Full Island Closure - The full island closure operation is a foundational project for the Hainan Free Trade Port, with the National Development Bank's Hainan branch actively supporting infrastructure and logistics projects to ensure smooth implementation [2] - The bank has facilitated financing for major infrastructure projects, including upgrades to key ports and logistics hubs, ensuring that all ten "second-tier ports" pass national acceptance [2] - The Hainan branch of the National Development Bank prioritizes infrastructure service as its primary business initiative, engaging in significant projects aligned with national and provincial planning [2] Group 2: Growth of Cross-Border Financial Services - Post-closure, the convenience of cross-border capital flow is expected to significantly increase, with banks exploring new opportunities in cross-border trade settlement and offshore financial services [3] - Agricultural Bank of China has launched multifunctional free trade accounts to facilitate cross-border capital flow for quality enterprises in Hainan, establishing a comprehensive financial account service system [3] - The bank aims to enhance services for domestic and foreign enterprises investing in Hainan through collaborative mechanisms across various regions [3] Group 3: Financial Innovations and Support for Key Industries - Minsheng Bank's Haikou branch is actively engaging with cross-border financial reform policies, implementing innovative services such as cross-border asset transfers and QDLP pilot programs [4] - The financial sector is focusing on supporting Hainan's four leading industries and key areas to drive high-quality economic development [5] - Citic Bank's Haikou branch is committed to enhancing financial services for local enterprises, including innovative financing solutions for agricultural research and technology sectors [6]

Core Viewpoint - The board of directors of CITIC Bank held a meeting on December 24, 2025, where several key resolutions were passed, including the approval of the 2026 audit project plan and the implementation of expected credit loss methods [1][2][3][4][5]. Group 1: Meeting Resolutions - The board approved the 2026 audit project plan with a unanimous vote of 10 in favor [1]. - The proposal regarding the implementation of expected credit loss methods was also approved unanimously with 10 votes in favor [1]. - The revision of the Capital Management Measures was passed with 10 votes in favor [1]. - The authorization plan for the chairman of the board for 2026 was approved with 8 valid votes, as the chairman recused himself due to a conflict of interest [1][2]. - The authorization plan for the president for 2026 received 9 votes in favor, with one director recusing himself due to a conflict of interest [2]. - The revision of the board's specialized committee meeting rules was approved unanimously with 10 votes in favor [3]. - The 2024 employee compensation settlement plan was approved unanimously with 10 votes in favor [4]. - The performance assessment and compensation distribution plan for senior executives for 2023 received 9 votes in favor, with one director recusing himself due to a conflict of interest [4][5]. Group 2: Independent Directors' Opinions - The independent directors expressed that the performance assessment and compensation distribution plan for senior executives was based on the bank's actual operating conditions and did not harm the interests of the bank or its shareholders, complying with relevant laws and regulations [5][6].

Core Viewpoint - The personal housing mortgage business loan market in Shenzhen is experiencing a resurgence of low interest rates, with the minimum rate dropping to 2.35%, which is 65 basis points lower than the current one-year LPR of 3% [2][3]. Group 1: Interest Rates and Loan Conditions - The minimum interest rate for personal housing mortgage business loans has reached 2.35% across multiple banks in Shenzhen, including Zhuhai Huaren Bank, Zhejiang Commercial Bank, and CITIC Bank [2]. - Different banks have established varying thresholds for loan amounts, loan-to-value ratios, and eligibility criteria, leading to a competitive landscape [3][4]. - The maximum loan amount varies significantly among banks, with CITIC Bank and China Merchants Bank offering up to 30 million yuan, while Zhejiang Commercial Bank and Industrial and Commercial Bank of China have a cap of 20 million yuan [3][4]. Group 2: Risk Factors and Regulatory Concerns - Experts have raised concerns about potential risks associated with low interest rates, including the risk of fund misallocation and regulatory loopholes that could allow funds to flow into the real estate market [4][6]. - The banking sector faces increased pressure on profitability due to declining interest rates, which could impact asset quality and operational stability, particularly for smaller banks [6]. - Regulatory measures have been introduced to guide the industry towards standardized development, emphasizing the need for compliance and risk management [6][7]. Group 3: Economic Implications - The reduction in personal housing mortgage business loan rates is seen as a necessary response to current economic conditions, aimed at supporting small and micro enterprises and stabilizing economic growth [5]. - Lower interest rates are expected to stimulate credit demand, enhance loan willingness among enterprises, and promote the rational flow and optimization of funds [5]. - Banks are encouraged to innovate and develop more financial products tailored to small and micro enterprises to enhance their market share and service capabilities [5].

Core Viewpoint - CITIC Bank announced the approval of multiple proposals by its board of directors, including the "CITIC Bank 2026 Annual Audit Project Plan" [1] Group 1 - The board of directors of CITIC Bank has reviewed and approved the audit project plan for the year 2026 [1]

中信銀行股份有限公司董事會 審計委員會議事規則 （3.0版，2025年） （本制度經第七屆董事會第十八次會議審議通過） 第一章 總則 第二章 委員會組成 第三條 委員會至少應由3名董事組成，全部委員應均為非執行董事，其中獨立董 事應過半數。 委員會委員的資格應符合有關法律法規、監管規定、本行股票上市地證券 監督管理機構相關規定及要求，應當具有財務、審計、會計或法律等某一 方面的專業知識和工作經驗。 職工董事可以成為委員會委員。 - 1 - 第一條 為規範中信銀行股份有限公司（以下簡稱本行）董事會決策機制，完善本行 公司治理結構，根據《中華人民共和國公司法》（以下簡稱《公司法》）、《銀 行保險機構公司治理準則》《上市公司獨立董事管理辦法》《中信銀行股份有 限公司章程》（以下簡稱本行章程）、《中信銀行股份有限公司董事會議事規 則》、本行股票上市地證券監督管理機構相關規定及其他有關規定，本行 董事會下設審計委員會（以下簡稱委員會），並制定本議事規則。 第二條 委員會協助董事會開展相關工作，依照本行章程和董事會授權履行職責。 第四條 委員會設主席1名，由獨立董事中的會計專業人士擔任，負責主持委員會 工作。委員會主席每 ...

中信銀行股份有限公司董事會 提名與薪酬委員會議事規則 （3.0版，2025年） （本制度經第七屆董事會第十八次會議審議通過） 第一章 總則 第二章 委員會組成 - 1 - 第一條 為規範中信銀行股份有限公司（以下簡稱本行）董事會決策機制，完善本行 公司治理結構，根據《中華人民共和國公司法》《銀行保險機構公司治理準 則》《上市公司獨立董事管理辦法》《香港聯合交易所有限公司證券上市規 則》（以下簡稱香港上市規則）、《中信銀行股份有限公司章程》（以下簡稱本 行章程）、《中信銀行股份有限公司董事會議事規則》、本行股票上市地證 券監督管理機構相關規定及其他有關規定，本行董事會下設提名與薪酬委 員會（以下簡稱委員會），並制定本議事規則。 第二條 委員會協助董事會開展相關工作，依照本行章程和董事會授權履行職責。 第三條 委員會至少由3名董事組成。委員會中獨立董事應佔多數，並且委員中至 少有三分之一以上的財務專業人士。委員會委員的資格應符合有關法律法 規、監管規定、本行股票上市地證券監督管理機構相關規定及要求。 第四條 委員會設主席1名，由獨立董事擔任，負責主持委員會工作。 第五條 委員會委員和主席由董事長、過半數獨立董事或 ...

中信銀行股份有限公司董事會 提名與薪酬委員會議事規則 （3.0版，2025年） （本制度經第七屆董事會第十八次會議審議通過） 第一章 總則 第二章 委員會組成 - 1 - 第一條 為規範中信銀行股份有限公司（以下簡稱本行）董事會決策機制，完善本行 公司治理結構，根據《中華人民共和國公司法》《銀行保險機構公司治理準 則》《上市公司獨立董事管理辦法》《香港聯合交易所有限公司證券上市規 則》（以下簡稱香港上市規則）、《中信銀行股份有限公司章程》（以下簡稱本 行章程）、《中信銀行股份有限公司董事會議事規則》、本行股票上市地證 券監督管理機構相關規定及其他有關規定，本行董事會下設提名與薪酬委 員會（以下簡稱委員會），並制定本議事規則。 第二條 委員會協助董事會開展相關工作，依照本行章程和董事會授權履行職責。 第三條 委員會至少由3名董事組成。委員會中獨立董事應佔多數，並且委員中至 少有三分之一以上的財務專業人士。委員會委員的資格應符合有關法律法 規、監管規定、本行股票上市地證券監督管理機構相關規定及要求。 第四條 委員會設主席1名，由獨立董事擔任，負責主持委員會工作。 第五條 委員會委員和主席由董事長、過半數獨立董事或 ...

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 而產生或因依賴該等內容而引致的任何損失承擔任何責任。 - 2 - 在中信銀行股份有限公司領取薪酬的高級管理人員2023年度最終薪酬已獲確認，其中包 含基本薪酬、績效薪酬和社會保險、住房公積金、企業年金等企業繳存額。現將已獲確 認的最終薪酬其餘部分（稅前）披露如下： | 姓名 | 2023年度最終薪酬其餘部分 （稅前，單位：人民幣，萬元） | | --- | --- | | 胡 罡 | 116.52 | | 謝志斌 | 110.74 | | 肖 歡 | 136.73 | | 陸金根 | 125.26 | | 張 青 | 114.53 | | 劉 成 | 136.26 | | 王 康 | 121.19 | | 呂天貴 | 125.27 | | 劉紅華 | 114.53 | - 1 - 承董事會命 中信銀行股份有限公司 方合英 董事長 中國‧北京 2025年12月24日 於本公告日期，本行執行董事為方合英先生（董事長）、蘆葦先生（行長）及胡罡先生；非 執行董事為 ...

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，概不就因本公告全部或任何部份內容而產 生或 因依賴該等內容而引致的任何損失承擔任何責任。 中信銀行股份有限公司 China CITIC Bank Corporation Limited （在中華人民共和國註冊成立的股份有限公司） （股份代號：998） 於其他市場發佈的公告 本公告乃根據香港聯合交易所有限公司證券上市規則第 13.10B 條刊登。 茲載列該公告（於上海證券交易所網站刊登）如下，僅供參閱。 承董事會命 中信銀行股份有限公司 方合英 董事長 中國•北京 2025年12月24日 於本公告日期，本行執行董事為方合英先生（董事長）、蘆葦先生（行長）及胡罡先生；非執 行董事為魏強先生、王彥康先生及付亞民先生；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。 四、审议通过《中信银行2026年董事会对董事长授权方案》 方合英董事长因与该议案存在利害关系，回避表决，亦不代理芦苇董事行使 表决权，该议案有效表决票数为8票。 证券代码：601998 证券简称：中信银行 公告编号 ...

Group 1 - The core viewpoint of the article highlights that CITIC Bank held a board meeting on December 24, 2025, to discuss the revision of the rules for specialized committee meetings [1] - For the first half of 2025, CITIC Bank's revenue composition shows that interest income accounted for 137.22%, while non-interest income made up 20.83% [1] - As of the report date, CITIC Bank's market capitalization stands at 412.9 billion yuan [1] Group 2 - The article also mentions Yang Lingjiang's acquisition of a leading domestic winery stock, raising questions about the potential relisting of 1919 [1] - There is a sense of urgency expressed regarding the achievement of a significant financial target, indicating that while many promises have been made, the goal of reaching a trillion has not yet been realized [1]