百信银行与信银理财发生关联交易，三月内累计同业存款超13亿元
Xin Lang Cai Jing·2025-12-21 00:07

Core Viewpoint - The recent announcements by Citic Baixin Bank regarding significant related-party transactions with Xinyin Wealth Management highlight a trend of increasing interbank deposit activities, raising questions about liquidity management and financial stability [1][3]. Group 1: Related-Party Transactions - Citic Baixin Bank disclosed three major interbank deposit transactions with Xinyin Wealth Management, totaling 600 million yuan, with individual amounts of 150 million yuan, 150 million yuan, and 300 million yuan [1]. - In the last three months, Citic Baixin Bank and Xinyin Wealth Management have engaged in multiple large-scale related-party transactions, with a total of at least seven interbank deposit transactions amounting to over 1.375 billion yuan since late October 2025 [1]. Group 2: Company Profiles - Xinyin Wealth Management, a wholly-owned subsidiary of Citic Bank, was established in July 2020 with a registered capital of 5 billion yuan, focusing on wealth management services [3]. - As of June 2025, Xinyin Wealth Management reported total assets of 13.393 billion yuan and net assets of 12.498 billion yuan, with a capital preservation rate of 110.52% [3]. - Citic Baixin Bank, the first independent legal entity direct bank in China, was jointly established by Citic Bank and Baidu's subsidiary, with a registered capital of 5.634 billion yuan as of June 2025 [3]. Group 3: Financial Performance - Citic Baixin Bank has shown a trend where loan issuance significantly exceeds deposit growth, with loans increasing from 71.774 billion yuan at the end of 2022 to 80.704 billion yuan by the end of 2024 [4]. - The bank's deposit balance grew from 34.796 billion yuan to 46.102 billion yuan during the same period, indicating a strong growth rate in deposits [4]. - As of September 2025, Citic Baixin Bank's total assets reached 125.006 billion yuan, with a notable increase in net interest income of 4.205 billion yuan for the first three quarters of 2025, reflecting a year-on-year growth of 35.69% [4].