在"十四五"时期，中信银行（601998）上海分行党委在服务上海"五个中心"建设的壮丽征程中展现担当，在总行"五个领先"战略落地生根的实践中勇于作 为。分行以高质量党建为引领，坚持价值银行之路，发挥金融之力，助力国家战略落实和上海经济社会发展，"十四五"期间自营存款规模增长近1700亿元， 各项贷款规模增长超1300亿元，为上海在推进中国式现代化中充分发挥龙头带动和示范引领作用作出贡献。 党建引领筑牢发展"根"与"魂" 坚持党的领导、加强党的建设，是金融国企须臾不可动摇的"根"和"魂"。"十四五"期间，中信银行上海分行始终将高质量党建作为引领高质量发展的抓手， 紧扣"政治性、人民性"金融底色，聚焦"服务实体经济、防控金融风险、深化金融改革"三大任务，系统推进党建与业务融合，将党建优势转化为发展优势、 竞争优势。 分行党委深刻把握"两个确立"的决定性意义，坚决做到"两个维护"，将党的领导贯穿于工作全过程各方面，将政治建设作为"第一工程"。面对纷繁复杂的外 部环境和艰巨繁重的发展任务，分行党委始终保持战略定力，旗帜鲜明地将"国之大者"转化为"行之要务"。聚焦全力做好"五篇大文章"、深度融入上海国际 金融中心建设等 ...

Core Viewpoint - The report highlights the financial performance and operational strategies of CITIC Bank for the first three quarters of 2025, showcasing steady growth in key financial metrics despite a challenging external environment. Group 1: Company Overview - CITIC Bank's total assets reached 98,981.28 billion RMB, a 3.83% increase from the previous year [9] - The bank's total loans and advances amounted to 57,824.81 billion RMB, reflecting a growth of 1.09% [9] - Customer deposits totaled 60,673.29 billion RMB, up 5.00% year-on-year [9] Group 2: Financial Performance - Net profit attributable to shareholders was 533.91 billion RMB, a year-on-year increase of 3.02% [10] - Operating income decreased by 3.46% to 1,565.98 billion RMB, with net interest income down 2.06% [10] - The cost-to-income ratio improved to 28.58%, a decrease of 0.21 percentage points year-on-year [10] Group 3: Business Strategies - The bank emphasized support for the real economy, with corporate loans increasing by 10.99% to 29,742.77 billion RMB [10] - Personal loans (excluding credit cards) reached 18,304.20 billion RMB, a slight increase of 0.83% [12] - The bank launched various consumer finance initiatives, with personal consumption loans amounting to 2,315.36 billion RMB [13] Group 4: Risk Management - The non-performing loan (NPL) ratio remained stable at 1.16%, with a total NPL balance of 669.39 billion RMB [36] - The bank's capital adequacy ratios met regulatory requirements, with a core tier one capital ratio of 9.59% [37] Group 5: Digital and Green Finance - Digital economy loans reached 2,733.51 billion RMB, a growth of 9.42% [19] - The bank's green loan balance increased steadily, with a focus on sustainable finance initiatives [15]