一是资产结构动态优化，在利率债方面保持较高利率风险敞口，根据市场节奏动态管理组合规模和周期；信用债投资坚持"有利和有用相协调"，结合对公客户融资需求，重点聚焦"五篇大文章" 二是交易流转提质增效，在风险可控前提下积极开展交易流转，深挖结构性机会，拓展策略广度与深度，重点挖掘衍生品业务机会。 责任编辑：秦艺 "我们对下半年市场持相对谨慎乐观预期。"谢志斌表示，通过持续"用力、用脑、用心"提升管理水平，该行金融市场业务特别是投资管理业务有望回补上半年收入缺口。 8月28日金融一线消息，中信银行今日召开2025年半年度业绩发布会。中信银行副行长谢志斌在发布会上披露，该行上半年实现其他非息收入176.6亿元，同比下降约12%，降幅较一季度显著收 谢志斌分析，上半年银行业其他非息收入普遍承压，主要受去年同期高基数、债市获利难度加大等因素影响。中信银行通过两大策略稳住阵脚：一是未追求短期获利而大规模持有AC账户资产，反 对于下半年金融市场环境，谢志斌判断货币政策将保持适度宽松基调，推动已出台政策落实显效。他指出，2020年以来央行已累计降准12次、下调政策利率9次，带动一年期和五年期以上LPR分 从利率走势看，短期债券市 ...

Financial Performance - In 2024, the company achieved operating revenue of 20.89 billion, a year-on-year increase of 5.40% compared to 19.82 billion in 2023 [3] - The net profit attributable to shareholders reached 10.39 billion, reflecting an 18.51% increase from 8.76 billion in the previous year [3] - The net profit after deducting non-recurring gains and losses was 10.38 billion, up 18.84% from 8.73 billion in 2023 [3] - The net cash flow from operating activities was 54.73 billion, a significant increase of 101.97% compared to 27.10 billion in 2023 [3] Business Segmentation - The wealth management and institutional business accounted for the highest revenue share at 48.98%, followed by investment banking at 4.11%, investment management at 4.42%, trading and investment at 30.32%, and other businesses at 12.17% [2] - Wealth management and institutional business generated revenue of 10.23 billion, with a year-on-year growth of 2.22% [4] - Investment banking revenue was 857.64 million, down 33.75% due to a slowdown in the A-share equity financing market [5] - Investment management revenue was 924.04 million, showing a slight decrease of 0.30% [6] - The trading and investment business saw a substantial increase in revenue to 6.33 billion, up 79.14% [6] User Metrics - As of the end of 2024, the company had approximately 19.30 million active trading clients, an increase of 8.68% year-on-year [4] - The total assets under custody reached 4.27 trillion, reflecting a growth of 14.78% [4] - The company's app ranked fifth in terms of monthly active users among securities firms, with the highest average daily usage time per user [4] Executive Compensation - The total compensation for the company's directors and senior management decreased by 30.64% to 17.47 million from 25.19 million in 2023 [7] - Only three executives received salaries exceeding 2 million, with the chairman earning 2.47 million, the president 2.36 million, and a vice president 2.01 million [7]