格隆汇12月30日丨中信银行(601998.SH)公布，公司董事会于近日收到执行董事、行长芦苇先生的辞 呈。芦苇先生因工作调整，辞去本行执行董事、行长、董事会风险管理委员会主席及委员、董事会战略 与可持续发展委员会委员职务。 ...

证券代码：601998 证券简称：中信银行 公告编号：临2025-088 中信银行股份有限公司关于执行董事、行长离任的公告 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。 一、离任情况 中信银行股份有限公司（以下简称本行）董事会于近日收到执行董事、行长 芦苇先生的辞呈。芦苇先生因工作调整，辞去本行执行董事、行长、董事会风险 管理委员会主席及委员、董事会战略与可持续发展委员会委员职务。 芦苇先生确认，其与本行董事会、高级管理层无不同意见，无任何与其辞任 有关的事项须提请本行股东注意，亦无任何针对本行正在发生或将要发生的诉讼 和争议。芦苇先生的离任不会导致本行董事会成员低于法定人数，其已按照有关 要求做好工作交接。 芦苇先生在本行任职26年，历经总分行、境内外多个关键岗位，任职期间始 终恪尽职守、勤勉敬业，为本行财会精益管理、资本补充、国际化发展等做出了 1 重要贡献。特别是，芦苇先生担任本行执行董事、行长以来，带领高级管理层积 极践行国家发展战略，纵深推进"五个领先"银行建设，持续强化风险合规管控， 有力提升财资管理质效，推动本行 ...

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 - The implementation plan for the high-quality development of digital finance in the banking and insurance sectors emphasizes the integration of artificial intelligence and other new technologies to enhance financial services and optimize resource allocation [1][5]. Policy Guidance - The plan builds on previous guidelines and introduces new elements such as "AI+" and "data elements ×", outlining specific requirements across six areas including governance, service empowerment, and risk prevention [5][8]. - Financial institutions are encouraged to develop enterprise-level AI platforms to enhance modeling and application capabilities, while exploring advanced technologies like quantum computing and blockchain [5][8]. - The focus is on aligning technological innovation with business needs to create a positive cycle of technology-driven business development [5][8]. Practical Exploration - Several listed banks have actively integrated AI into customer service, risk control, and marketing, with applications such as intelligent assistants and credit AI agents [6]. - For instance, China Merchants Bank reported that its AI assistant "AI Xiao Zhao" served over 61,300 corporate clients and 458,500 individuals by mid-2025 [6]. - Industrial banks like Industrial and Commercial Bank of China have developed AI-driven tools for risk control and marketing, enhancing their operational efficiency [6][7]. Technology Resource Allocation - The plan provides clear guidance on technology resource allocation, urging banks to focus on core business areas and increase R&D investment [8]. - It aims to break down barriers between technology and business departments, fostering collaboration and innovation [8]. - The plan also emphasizes the importance of building a skilled workforce in digital finance, advocating for the training of professionals in data analysis and regulatory technology [8][9]. Talent Development - The plan highlights the need for cultivating a workforce that understands both finance and technology, rather than solely pursuing top algorithm talent [9]. - It suggests that banks should prioritize data governance based on business needs to enhance model quality [9].

Core Viewpoint - The company is actively managing its idle funds by investing in fixed deposits to enhance capital efficiency and generate returns [1] Group 1: Financial Management - The company redeemed a previous fixed deposit of 25 million yuan from CITIC Bank on December 5, 2025, with an actual return of 68,800 yuan [1] - On December 9, 2025, the company plans to invest 30 million yuan in a new fixed deposit with CITIC Bank for a duration of 6 months, expecting an annualized return rate of 1.2% [1] - The company has approved a plan to utilize up to 400 million yuan of idle raised funds for cash management, with a validity period of 12 months [1]

Fundraising Overview - The company, Northern International Cooperation Co., Ltd., has received approval from the China Securities Regulatory Commission to issue 90,056,285 shares to specific investors, raising a total of approximately 960 million yuan, with net proceeds of about 957.2 million yuan after deducting underwriting fees [2][3] - The raised funds will be allocated to the 125MWp photovoltaic project in Bosnia and Herzegovina and to supplement working capital [3] Fund Management and Oversight - A special account for the raised funds has been established at CITIC Bank, with a balance of 957,199,998.10 yuan, ensuring that the funds are managed separately and used only for the specified projects [4][5] - A tripartite supervision agreement has been signed among the company, CITIC Bank, and CITIC Securities to regulate the management and usage of the raised funds, protecting the rights of small investors [4][6] Agreement Details - The agreement stipulates that the special account can only be used for the designated projects and prohibits the use of these funds for any other purposes [5][6] - The company is allowed to invest temporarily idle funds in cash management products, provided that it does not affect the planned investments and that all transactions are reported to the supervising party [6][7] - The supervising party has the right to conduct regular checks on the fund management and usage, ensuring compliance with relevant regulations [7][8] Compliance and Reporting - The agreement includes provisions for monthly reporting and accountability, requiring the bank to provide accurate account statements and notify the supervising party of any significant withdrawals [8][10] - In case of non-compliance by the bank, the company has the right to terminate the agreement and close the special account [10][12] Documentation - The tripartite supervision agreement is documented and will be kept on file for reference, ensuring transparency and accountability in the management of the raised funds [12]

Core Viewpoint - The announcement reveals that the controlling shareholder of the company, Buchang (Hong Kong), holds 490,957,202 shares, representing 46.56% of the total shares, with a total of 108,530,000 shares pledged, which accounts for 22.11% of their holdings and 10.29% of the total share capital [1] Summary by Relevant Sections - **Shareholding Structure** - The controlling shareholder holds 490,957,202 shares, which is 46.56% of the total shares [1] - The total shares pledged by the controlling shareholder amount to 108,530,000, representing 22.11% of their holdings and 10.29% of the total share capital [1] - **Pledge Details** - An additional 7,600,000 shares have been pledged, with 3,600,000 shares pledged to CITIC Bank Jinan Branch and 4,000,000 shares pledged to CITIC Financial Leasing Co., Ltd [1] - The pledge start date for these shares is December 29, 2025, and the maturity date for the latter pledge is December 30, 2028 [1] - **Overall Shareholding and Pledge Status** - The controlling shareholder and their concerted parties collectively hold 598,200,660 shares, which is 56.72% of the total shares [1] - The total pledged shares by the controlling shareholder and concerted parties amount to 108,530,000, accounting for 18.14% of their holdings and 10.29% of the total share capital [1]

证券研究报告 | 2025年12月30日 银行业投资策略 银行春季躁动布局策略：复盘与展望 | 行业研究·行业快评  | | | 银行  | 投资评级：优于大市（维持）  | | --- | --- | --- | --- | --- | | 证券分析师： | 田维韦 | 021-60875161 | tianweiwei@guosen.com.cn | 执证编码：S0980520030002 | | 证券分析师： | 王剑 | 021-60875165 | wangjian@guosen.com.cn | 执证编码：S0980518070002 | 核心观点： 过去十年春节前银行表现复盘：银行指数胜率高达 80%以上，个股分化明显，优质股份行和城商行往往可 以跑出超额收益，国有大行表现稳健。过去十年复盘结果，申万银行指数仅在 2020 年的春节前行情中同 时没有绝对收益和超额收益，指数胜率超过 80%。31 个申万行业指数中，绝对收益和超额收益角度，申万 银行指数都是胜率都是最高的，申万银行指数历年春节前绝对收益率均值为 4.4%，超额收益率（相对上证 指数）均值为 4.9%，均处在申万行业指数首位。 ...