中信银行股份有限公司 2026年第一次临时股东会 会议资料 二〇二六年四月十日 1 文件目录 2026 年第一次临时股东会会议资料： 议案一：关于提请股东会延长对董事会及其获授权人士办理本次配股相关事 宜授权期限的议案 ................................................... 4 3 会 议 议 程 会议召开时间：2026年4月10日（星期五）9:30 会议召开地点：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 2 召 集 人：中信银行股份有限公司董事会 会 议 日 程： 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 以上，请审议。 4 议案一：关于提请股东会延长对董事会及其获授权人士办理 本次配股相关事宜授权期限的议案 各位股东： 根据本行 2025 年第一次临时股东大会、2025 年第一次 A 股类别股东会及 2025 年第一次 H 股类别股东会审议通过 的《关 ...

证券代码：601998 证券简称：中信银行 公告编号：临2026-006 中信银行股份有限公司 关于召开2026年第一次临时股东会的通知 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) 股东会类型和届次 2026年第一次临时股东会（简称本次股东会） (二) 股东会召集人 (四) 现场会议召开的日期、时间和地点 召开的日期时间：2026 年 4 月 10 日 9 点 30 分 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、起止日期和投票时间 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 网络投票系统：上海证券交易所股东会网络投票系统 1 网络投票起止时间：自2026 年 4 月 10 日 至2026 年 4 月 10 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东会召开当日的交易时间段，即 9:15—9:25，9:30—1 ...

998 代表委任表格 適用於2026年4月10日舉行的中信銀行股份有限公司（「貴行」或「本行」） 2026年第一次臨時股東會 本人╱吾等 （附註1） 地址為 （附註2） 為貴行股本中每股面值人民幣1.00元之H股 股 （附註4和附註5） （附註3） 之登記持有人， 地址為 及╱或 地址為 為本人╱吾等的代表，代表本人╱吾等出席貴行訂於2026年4月10日（星期五）上午9時30分，假座中華人民共 和國北京市朝陽區光華路10號院1號樓中信大廈8層818會議室舉行的2026年第一次臨時股東會及其任何續會 （「2026年第一次臨時股東會」），並在2026年第一次臨時股東會上代表本人╱吾等投票及行使法律、法規及貴 行章程賦予代表的一切權利。 本人╱吾等希望本人╱吾等的代表按以下指示就將於2026年第一次臨時股東會上提呈的決議案投票。 | | 特別決議案 | | | | | | --- | --- | --- | --- | --- | --- | | 編號 | 非累積投票議案 | （附註6） 贊成 | （附註6） 反對 | 棄權 | （附註6） | | 1. | 關於提請股東會延長對董事會及其獲授權人士辦理本次配股 相 ...

998 2026年第一次臨時股東會回執 致：中信銀行股份有限公司（「貴行」或「本行」） 本人╱吾等 （附註1） 地址為 （附註2） 為貴行股本中每股面值人民幣1.00元之H股 股 （附註3） 之登記持有人， 茲通知貴行，本人╱吾等擬出席或委派代表以本人╱吾等名義出席貴行於2026年4月10日（星 期五）上午9時30分假座中華人民共和國（「中國」）北京市朝陽區光華路10號院1號樓中信大廈8 層818會議室舉行的2026年第一次臨時股東會（「2026年第一次臨時股東會」）。 簽名： 日期： 1. 請用正楷填上登記在本行股東名冊上之股東全名。 2. 請用正楷填上登記在本行股東名冊上之股東地址。 3. 請填上以 閣下名義登記的股份數目。 4. 請將此回執在填妥及簽署後於2026年4月9日（星期四）或以前送達本行於香港之H股股份過戶登記處香港 中央證券登記有限公司位於香港灣仔皇后大道東183號合和中心17M樓的辦事處。 5. 本行註冊地址為中國北京市朝陽區光華路10號院1號樓6-30層、32-42層，郵編：100020（聯繫人：鄧智 涵、趙媛；電話：(8610) 6663 8188；傳真：(8610) 6555 925 ...

998 2026年第一次臨時股東會通告 茲通告，中信銀行股份有限公司（「本行」）將於2026年4月10日（星期五）上午9時30分假座 中華人民共和國（「中國」）北京市朝陽區光華路10號院1號樓中信大廈8層818會議室舉行 2026年第一次臨時股東會（「2026年第一次臨時股東會」），以考慮並酌情通過下列決議 案： 特別決議案 非累積投票議案 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分內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 A股及H股持有人在投票方面當作相同類別股東。H股持有人須注意，本行將於2026年4月2 日（星期四）至2026年4月10日（星期五）（包括首尾兩天）暫停辦理H股股份登記手續。凡於 2026年4月10日（星期五）名列本行股東名冊之股東均有權出席2026年第一次臨時股東會並於 會上投票。欲出席2026年第一次臨時股東會而尚未登記過戶文件的本行H股持有人，須最遲 於2026年4月1日（星期三）下午4時30分前將過戶文件連同有關股票交回本行於香港之H股股 份過戶登記處香港中 ...

此乃要件 請即處理 閣下如對本通函或應採取的行動有任何疑問，應諮詢閣下的股票經紀或其他註冊證券商、銀行經 理、律師、專業會計師或其他專業顧問。 閣下如已將名下之中信銀行股份有限公司股份全部售出或轉讓，應立即將本通函交予買主或承讓 人，或經手買賣或轉讓的銀行、股票經紀或其他代理商，以便轉交買主或承讓人。 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通函的內容概不負責，對其準確性或完 整性亦不發表任何聲明，並明確表示，概不對因本通函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 延長對董事會及其獲授權人士辦理配股相關事宜授權期限 及 2026年第一次臨時股東會通告 2026年第一次臨時股東會謹訂於2026年4月10日（星期五）上午9時30分，假座中國北京市朝陽區光 華路10號院1號樓中信大廈8層818會議室舉行。2026年第一次臨時股東會通告隨附於本通函並已於 2026 年 3 月 1 7 日（ 星 期 二 ）登 載 於 香 港 聯 交 所 披 露 易 網 站 (www.hkexnews.hk) 及本行網站 (www.citicbank.com)。 擬親身或委任代表出席是 ...

Investment Rating - The report indicates a positive outlook for the banking sector, suggesting a potential rebound due to improved fundamentals and defensive value amidst external uncertainties [1]. Core Insights - The banking sector is expected to benefit from stabilizing credit growth, a slowdown in the convergence of net interest margins, and a reduction in the generation of non-performing assets, leading to an overall improvement in the sector's fundamentals [1][8]. - The narrative surrounding AI is easing, and risk appetite is cooling, which may contribute to a rebound in the banking sector [8]. Summary by Sections Regulatory Dynamics - The People's Bank of China released the financial statistics report for February 2026, indicating ongoing regulatory oversight [2][11]. Industry Dynamics - China Merchants Bank announced plans to redeem 27.5 billion yuan of preferred shares on April 15, 2026 [2][12]. Market Dynamics - The Wande All A Index fell by 0.48%, while the Shenwan Banking Sector Index rose by 1.39% during the week [2][14]. Credit and Financing - In February, new RMB loans totaled 900 billion yuan, a decrease of approximately 100 billion yuan year-on-year, with a notable increase in medium- and long-term loans [4][8]. - The total social financing in February was 2.4 trillion yuan, with a year-on-year increase of about 150 billion yuan, indicating a stronger contribution from real sector credit compared to government bonds [3][4]. Deposit Trends - New RMB deposits in February amounted to 1.2 trillion yuan, with a significant increase in household deposits, while other deposit categories saw a marked decline [4][8]. Market Rates - The report highlights a mixed trend in market interest rates, with short-term funding rates rising and various Shibor rates declining slightly [21][22]. Banking Sector Performance - The report provides detailed performance metrics for various banks, including dividend rates, dynamic dividend yields, and recent stock performance, indicating a diverse range of outcomes across the sector [18].

Core Viewpoint - The frequent changes in bank executives since 2025 reflect a deeper logic aimed at promoting high-quality development within the banking sector [2][8]. Group 1: Executive Changes - Zhang Jingke has been officially approved as the new president of Hangzhou Bank as of February 28, 2025, marking a significant leadership change [4]. - The wave of executive changes since 2025 includes major state-owned banks and joint-stock banks, with several banks such as Agricultural Bank of China, Bank of China, and China Construction Bank undergoing leadership transitions [6][7]. Group 2: Performance Metrics - As of the end of 2025, Hangzhou Bank reported total assets of 236.49 billion, an increase of 11.96% year-on-year; total loans of 107.19 billion, up 14.33%; and total deposits of 144.06 billion, rising by 13.20% [5]. - The bank's wealth management subsidiary has over 600 billion in outstanding wealth management products, reflecting a 39% growth compared to the previous year [5]. - The non-performing loan ratio stands at 0.76%, unchanged from the previous year, while the ratios of overdue loans to non-performing loans and overdue loans over 90 days to non-performing loans have decreased by 16.87 and 10.17 percentage points, respectively [5]. Group 3: Underlying Logic of Executive Changes - The banking sector is facing challenges such as rapid financial technology development, intensified market competition, and increasing regulatory requirements, prompting the need for executive changes to facilitate high-quality development [9]. - The shift from a scale-driven to a value-driven model in banking is essential due to adjustments in interest rates and pressures related to deposit migration, necessitating a transformation in profitability and operational logic [9]. - The rapid advancement of financial technology is disrupting traditional banking models, requiring banks to accelerate digital transformation and innovate products and services to meet diverse customer needs [9].

Investment Rating - The report maintains a positive outlook on the insurance sector, indicating a high cost-performance ratio for investment opportunities [2][11] Core Views - The insurance sector has experienced significant adjustments due to pessimistic narratives surrounding AI, geopolitical conflicts, and investor concerns about the investment performance of the insurance sector. However, the valuation has dropped to historically low levels, suggesting a high cost-performance ratio for investment [2][11] - The banking sector is expected to see a stabilization in interest margins due to marginal improvements in both assets and liabilities, with non-interest income likely to recover as the equity market rebounds [3][20] Summary by Sections Insurance Sector - The insurance sector's index fell by 2.10%, underperforming the CSI 300 index by 2.28 percentage points. The sector has seen a cumulative decline of over 9% this year, with current valuations indicating significant room for recovery [2][11] - The sector's price-to-earnings value (PEV) is at 0.65x for A-shares and 0.42x for H-shares, indicating potential recovery spaces of 53% and 137% respectively [11] - The long-term core logic of improvement in both assets and liabilities remains unchanged, with expectations for dual recovery in valuation and performance as market sentiment improves [2][11] Brokerage Sector - The brokerage sector index decreased by 1.75%, underperforming the CSI 300 index by 1.94 percentage points. The sector's price-to-book (PB) ratio is at 1.27x, indicating a significant mismatch between earnings and valuation [17][18] - The "14th Five-Year Plan" emphasizes the need for comprehensive reforms in the capital market, which will benefit leading brokerages with strong service capabilities [17][18] - Recommendations include focusing on large brokerages with strong fundamentals and low valuations, as well as those undergoing mergers or restructuring [18][19] Banking Sector - The banking sector index increased by 1.39%, outperforming the CSI 300 index by 1.20 percentage points. The sector's PB ratio is at 0.52x [20][21] - Expected improvements in both asset and liability sides are anticipated to stabilize interest margins, with a projected decrease in the average cost of interest-bearing liabilities by 40 basis points in 2025 [20][21] - The overall asset quality is expected to remain stable, with non-performing loans in corporate real estate and non-real estate consumer credit anticipated to stabilize at high levels [22][23] - Recommendations include focusing on high-dividend large banks and those with strong recovery potential in performance [23]

Core Viewpoint - The FOF (Fund of Funds) market has experienced explosive growth in 2026, becoming a prominent category in the public fund industry, with total assets surpassing 300 billion yuan, significantly reshaping the competitive landscape of the sector [1][8]. Group 1: FOF Market Performance - FOF products have seen a surge in issuance, with several products raising over 4 billion yuan, indicating a strong market demand [1][2]. - The market has witnessed a peak in fundraising, with multiple "one-day sell-out" products, including the China Europe Yingxin Stable 6-Month Holding FOF raising 5.125 billion yuan in 62 days [2][3]. - As of March 14, 2026, a total of 40 FOF products have been established this year, raising a combined amount of 61.973 billion yuan, marking a significant increase compared to the same period in 2025 [8]. Group 2: Reasons for FOF Popularity - The current low-interest-rate environment and increased market volatility have heightened the demand for stable and diversified investment products, which FOFs effectively address [3][4]. - FOFs help investors navigate the complexities of market timing and fund selection, providing a professional asset allocation solution that minimizes risks associated with individual funds [4]. Group 3: Distribution Channels and Strategies - Bank channels have emerged as a key driver of FOF growth, shifting from merely selling products to offering comprehensive asset allocation solutions [5][6]. - Major banks have developed proprietary FOF brands and collaborated closely with fund companies to design and manage these products, enhancing their appeal to clients [6][7]. - The majority of FOF products launched this year have short holding periods of 3 to 6 months, aligning with domestic investors' preferences for stable, short-term investments [7]. Group 4: Industry Structure and Competition - The total FOF market size has officially surpassed 300 billion yuan, with 84 fund managers competing in this space, indicating significant growth potential [8][9]. - The industry is witnessing a reshuffling of rankings, with several fund managers, such as Fuguo Fund and Zhongou Fund, significantly increasing their FOF assets, while others have seen declines [9][10]. - The current competitive landscape shows a clear tiered structure, with leading firms like Fuguo Fund and Zhongou Fund holding over 20 billion yuan in FOF assets, while others are still establishing their presence [8][9].