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Notice Deposit Exclusive Edition rate adjustment通知存款专属版利率调整
4 · 2024-01-03 → 2025-05-21
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CITIC Bank adjusted interest rates on its Notice Deposit Exclusive Edition products in January and July 2024, and again in October 2024 and May 2025.中信银行于2024年1月、7月、10月及2025年5月多次调整通知存款专属版产品利率。
2024-01-03CITIC Bank adjusted the interest rates of its Notice Deposit Exclusive Edition products from Jan 6, 2024: 0.8% for 7-day call deposits and 1.35% for 7-day notice deposits.中信银行自2024年1月6日起调整通知存款专享版产品利率：一天通知存款年利率0.8%，七天通知存款年利率1.35%。
2024-07-29CITIC Bank adjusts RMB deposit benchmark interest rates, effective July 29, 2024, including a reduction in notice deposit rates to 0.7% for 1-day and 1.25% for 7-day products.中信银行自2024年7月29日起调整人民币存款挂牌利率，通知存款专享版一天年利率0.7%、七天年利率1.25%。
2024-10-21CITIC Bank adjusted RMB deposit benchmark rates: demand deposit rate cut to 0.1%, 3-month to 0.85%, 1-year to 1.3%, 3-year to 1.50%, 5-year to 1.55%.中信银行调整人民币存款挂牌利率：活期存款利率下调至0.1%，三个月期至0.85%，一年期至1.3%，三年期至1.50%，五年期至1.55%。
2025-05-21CITIC BANK cut deposit rates: demand rate down 5bp to 0.05%; 3-month to 5-year fixed-term rates lowered to 0.70%-1.35%.中信银行下调存款利率：活期下调5个基点至0.05%；三个月至五年期整存整取下调至0.70%-1.35%。
Foreign exchange business pilot reform外汇业务试点改革
7 · 2024-01-04 → 2025-02-27
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CITIC Bank launched foreign exchange business pilot reforms in multiple cities, leveraging AI for customer evaluation and streamlining processes.中信银行在多个城市启动外汇业务试点改革，利用AI进行客户评估并简化流程。
2024-01-04CITIC Bank, as one of four pilot banks, launched foreign exchange business pilot reforms in Jiaxing, Wuxi and Qingdao, introducing AI large-model platform for customer evaluation.中信银行作为四家试点行之一，在嘉兴、无锡、青岛启动外汇展业试点改革，首次在外汇领域引入智能AI大模型平台进行客户评价。
2024-05-09CITIC Bank Binzhou Branch was approved as a 'Pilot Bank for Foreign Exchange Facilitation' by the provincial SAFE, the first such pilot in the city.中信银行滨州分行获批成为全市外汇业务“便利化试点银行”，为全市首家。
2024-07-30CITIC Bank Wenzhou Branch becomes the first financial institution in Wenzhou to launch foreign exchange business reform, using AI to streamline processes and reduce transaction time by over 75% for qualified clients.中信银行温州分行成为温州首家落地外汇展业改革的金融机构，引入AI技术，优质客户外汇业务办理时间缩短75%以上。
2024-12-31CITIC Bank Hohhot Branch approved as the first joint-stock bank in Inner Mongolia to qualify for both trade foreign exchange facilitation and foreign exchange business expansion reform pilot programs.中信银行呼和浩特分行获批外汇展业改革试点资格，成为内蒙古自治区首家同时具有贸易外汇收支便利化和外汇展业改革试点资格的股份制银行。
2025-01-13CITIC BANK Changchun Branch landed its first forex展业 pilot business, allowing a large export enterprise to credit goods trade remittance solely by instruction without supporting documents.中信银行长春分行落地首笔外汇展业试点业务，某大型出口企业仅凭指令即可办理货物贸易汇款入账，无需提供背景材料。
2025-02-17CITIC Bank Beijing branch completed its first foreign exchange business under the new pilot reform, processing import trade payments for enterprises without requiring trade background documents.中信银行北京分行完成首笔外汇展业改革试点业务，凭指令为企业办理进口贸易付汇，无需贸易背景材料。
2025-02-27CITIC Bank Chongqing branch processed 334 cross-border payment batches totaling USD 46.9404 million for a client in half a day under the FX pilot reform, down from the original 7 days.中信银行重庆分行在外汇展业试点下，半天内为某跨境企业办理334笔、合计约4694.04万美元的批量付汇，原需7天。
Regulatory penalties监管处罚
32 · 2024-01-05 → 2026-06-17
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CITIC Bank and its branches received multiple fines from financial regulators for various violations including inadequate risk management, credit management, and trade background checks.中信银行及其分行因风险管理、信贷管理、贸易背景审查等多项违规行为多次受到金融监管机构处罚。
2024-01-05CITIC Bank was fined RMB 4 million by the National Financial Regulatory Administration for six violations including inadequate disaster recovery, data center risks, and false drills.中信银行因部分重要信息系统未建灾备、数据中心风险隐患、虚假演练等六项违规，被国家金融监督管理总局罚款400万元。
2024-01-26CITIC Bank Nantong Branch was fined RMB 1.3 million for inflating inclusive small-micro loan scale, inadequate credit management, illegal second-hand mortgage loans, and negligent bill/LC management.中信银行南通分行因虚增普惠型小微企业贷款规模、授信管理不尽职、违规发放二手房按揭贷款、票据及信用证业务管理不尽职，被罚款130万元。
2024-03-15CITIC Bank Hefei Binhu Branch was fined 350,000 yuan by the Anhui Financial Regulatory Bureau for inadequate post-lending management leading to credit fund回流.中信银行合肥滨湖支行因贷后管理不到位导致信贷资金回流，被安徽监管局罚款35万元。
2024-03-18CITIC Bank Credit Card Center Hangzhou Branch was fined 300,000 yuan by Zhejiang Financial Regulatory Bureau for inadequate control over credit card fund usage and cash installment funds being used to buy wealth management products.中信银行信用卡中心杭州分中心因信用卡资金用途管控不力等被浙江监管局罚款30万元。
2024-04-03Ningbo branch fined 300,000 yuan by financial regulator for imprudent credit management; two individuals warned.宁波分行因授信管理不审慎被金融监管局罚款30万元，两名责任人被警告。
2024-06-11Three Urumqi sub-branches of CITIC Bank were fined a total of 970,000 yuan by the Xinjiang Financial Regulatory Bureau for lax trade background checks on bank acceptance bills, discount funds flowing back to the drawer's account, and loan funds flowing back to the borrower.中信银行乌鲁木齐三家支行因银行承兑汇票贸易背景审核不严、贴现资金回流出票人账户、贷款资金回流至借款人，被新疆监管局合计罚款97万元。
2024-06-28CITIC Bank Credit Card Center was fined 500,000 yuan by the Shenzhen Financial Regulatory Bureau for flawed monitoring strategies allowing card funds to flow into non-consumption areas.中信银行信用卡中心因监测策略存在缺漏，刷卡资金流入非消费领域，被深圳监管局罚款50万元。
2024-07-01CITIC Bank credit card center fined 500,000 yuan by Shenzhen Financial Regulatory Bureau for monitoring strategy deficiencies allowing card funds to flow into non-consumption areas.中信银行信用卡中心因监测策略存在缺漏，刷卡资金流入非消费领域，被深圳金融监管局罚款50万元。
2024-08-14CITIC Bank Linyi Branch fined RMB 300,000 by NFRA Shandong for lax trade background checks on domestic letters of credit.中信银行临沂分行因国内信用证业务贸易背景审查不严，被国家金融监督管理总局山东监管局罚款30万元。
2024-09-27CITIC Bank Changchun Branch was fined 2.6 million yuan by the Jilin Financial Regulatory Bureau for handling bank acceptance bill discounting without genuine trade background and inadequate post-lending monitoring.中信银行长春分行因办理无真实贸易背景银行承兑汇票贴现业务及贷后管理不到位，被吉林监管局罚款260万元。
2024-10-09CITIC Bank Changchun Branch was fined 2.6 million yuan by the Jilin Financial Regulatory Bureau for issuing bank acceptance bills without real trade background and inadequate post-loan management.中信银行长春分行因办理无真实贸易背景银行承兑汇票贴现业务及贷后管理不到位，被吉林金融监管局罚款260万元。
2024-11-11CITIC Bank Jilin Branch fined 300,000 yuan for illegally issuing entrusted loans.中信银行吉林分行因违规发放委托贷款被罚款30万元。
2024-12-02CITIC Bank Taiyuan Branch fined 700,000 yuan by Shanxi Financial Regulatory Bureau for inadequate post-loan management and issuing bank acceptance bills with false mortgage registration and no real trade background.中信银行太原分行因贷后管理不尽职、办理抵押登记虚假及无真实贸易背景的银行承兑汇票业务，被山西金融监管局罚款70万元。
2024-12-02CITIC Bank Taiyuan Xuefu Sub-branch fined 250,000 yuan by Shanxi Financial Regulatory Bureau for inadequate employee behavior management.中信银行太原学府支行因员工行为管理不到位，被山西金融监管局罚款25万元。
2024-12-13CITIC Bank Zhengzhou Branch and its subsidiaries fined a total of 6 million yuan by Henan Financial Regulatory Bureau across 18 penalty tickets for issues including false trade background in bank acceptance and personal loan funds flowing into prohibited areas.中信银行郑州分行及分支机构因银承业务贸易背景不真实、个人贷款资金违规流入禁止性领域等问题，被河南金融监管局开出18张罚单，合计罚款600万元。
2024-12-27CITIC Bank Chongqing Branch fined 500,000 yuan by Chongqing Financial Regulatory Bureau for serious negligence in loan 'three checks' (pre-loan, during-loan, post-loan).中信银行重庆分行因贷款“三查”严重不尽职，被重庆金融监管局罚款50万元。
2024-12-27CITIC Bank Shanghai North Bund Sub-branch fined 200,000 yuan by Shanghai Financial Regulatory Bureau for serious violation of prudent operation rules in loan management.中信银行上海北外滩支行因贷款管理严重违反审慎经营规则，被上海金融监管局罚款20万元。
2025-01-14CITIC BANK Rizhao Branch fined RMB 540,000 by PBOC Shandong for four violations: financial statistics rules, customer identification, data security vulnerability, and lack of cyber incident plan; a deputy manager fined RMB 17,500.中信银行日照分行因违反金融统计规定、未履行客户身份识别义务、未及时处置数据安全漏洞、未制定网络安全事件应急预案，被央行山东分行罚款54万元；一名副总经理被罚1.75万元。
2025-06-10CITIC Bank's Lüliang, Liulin, and Jiaocheng sub-branches were fined a total of RMB 700,000 for inadequate discount bill management.中信银行吕梁、柳林、交城支行因贴现业务管理不到位合计被罚70万元。
2025-07-05CITIC Bank was fined 1.9 million yuan by Jiangxi Financial Regulatory Bureau for issues including inadequate loan management, illegal lending, and illegal domestic letter of credit business.中信银行被江西金融监管局罚款190万元，因贷款管理不到位、违规发放贷款、违规办理国内信用证业务等问题。
2025-07-25CITIC Bank Anyang Branch was fined 650,000 yuan by the financial regulator for inadequate personal loan 'three checks' and working capital loan post-lending management.中信银行安阳分行因个人贷款“三查”不到位、流动资金贷款贷后管理不到位被罚65万元。
2025-10-01PBOC fined China CITIC Bank 15.357 million yuan for 7 violations including financial statistics, account management, and credit information rules.中国人民银行因7项违法行为（包括违反金融统计、账户管理、信用信息规定等）对中信银行罚款1535.7万元。
2025-10-27CITIC Bank Longyan branch fined 500,000 yuan by local financial regulator for illegally charging acceptance bill risk management fees and inadequate post-lending management of working capital loans.中信银行龙岩分行因违规收取银票敞口风险管理费、流动资金贷款贷后管理不到位被罚款50万元。
2025-11-24CITIC Bank Yili Branch was fined 200,000 yuan by the Yili Financial Regulatory Branch for credit business violations.中信银行伊犁分行因信贷业务违规被伊犁金融监管分局罚款20万元。
2025-12-18CITIC Bank's Chengdu branch was fined 2.3 million RMB by the Sichuan regulatory bureau for non-compliance in credit, trade finance, bill, and investment businesses.中信银行成都分行因信贷、贸易融资、票据、投资业务不审慎等违规行为，被四川监管局处以230万元罚款。
2025-12-29CITIC Bank's Xinyang branch was fined 550,000 RMB for inadequate loan checks and bill business due diligence, with three employees receiving warnings.中信银行信阳分行因贷款三查未尽职、票据业务贸易背景调查不尽职被罚55万元，三名员工被警告。
2026-01-04Hanzhong branch fined 220,000 yuan by the National Financial Regulatory Administration for credit funds flowing into restricted areas.中信银行汉中分行因信贷资金流入限制性领域被国家金融监督管理总局罚款22万元。
2026-01-06Cangzhou branch fined 200,000 yuan by the National Financial Regulatory Administration for inadequate recording of insurance agency sales calls.中信银行沧州分行因保险代理销售环节录音录像管理不到位被国家金融监督管理总局罚款20万元。
2026-01-15Eight branches in Jiangsu region were fined a total of 6.6 million yuan by the National Financial Regulatory Administration for issues including credit management and bill business, with individual fines totaling 760,000 yuan.中信银行江苏地区8家分支机构因信贷管理、票据业务等问题被国家金融监督管理总局合计罚款660万元，多名责任人被罚76万元。
2026-04-17CITIC Bank's Q1 2026 fines totaled RMB 9.905 million, the highest among joint-stock banks, with credit business being the main area of violations.2026年一季度中信银行累计被罚没990.5万元，在股份制银行中位列第一，信贷业务为违规重灾区。
2026-06-05CITIC BANK is fined RMB 11.4 million by the National Financial Regulatory Administration (国家金融监督管理总局) for imprudent management of loans and credit card businesses; five individuals warned or fined.中信银行因相关贷款、信用卡等业务管理不审慎，被国家金融监督管理总局罚款1140万元；五名责任人被警告或罚款。
2026-06-17CITIC BANK Kunming Branch (昆明分行) fined RMB 800,000 by Yunnan Financial Regulatory Bureau for illegally issuing working capital loans and accepting bills without real trade background; one executive permanently banned.中信银行昆明分行因违规发放流动资金贷款、违规办理无真实贸易背景银行承兑汇票，被云南金融监管局罚款80万元，一名责任人被终身禁业。
'Sentinel' anti-fraud system'哨兵'反欺诈系统
1 · 2024-01-05
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CITIC Bank's 'Sentinel' anti-fraud system achieved significant results in arresting suspects and protecting funds.中信银行'哨兵'反欺诈系统在抓捕嫌疑人、保护资金方面取得显著成效。
2024-01-05CITIC Bank's 'Sentinel' anti-fraud system helped public security agencies arrest over 1,400 suspects and protect nearly RMB 700 million in funds since Dec 2022.自2022年12月以来，中信银行“哨兵”反欺诈系统协助公安机关抓获犯罪嫌疑人1400余人，保护资金近7亿元。
Co-branded credit cards联名信用卡
17 · 2024-01-09 → 2026-05-29
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CITIC Bank launched multiple co-branded credit cards with partners including Douyin, JD.com, Xiaomi, Air China, Shangri-La, and others.中信银行与抖音、京东、小米、国航、香格里拉等合作伙伴推出了多款联名信用卡。
2024-01-09CITIC Bank launched a co-branded credit card with Douyin (TikTok China), targeting its 723 million monthly active users.中信银行与抖音集团联合推出中信银行抖音联名信用卡，面向抖音7.23亿月活用户。
2024-02-08CITIC BANK issued the 'Yan Ka Long Ma Jing Shen Card' (颜卡龙马精神卡) and a Spring Festival edition of the JD PLUS co-branded credit card, offering up to 140 yuan in payment coupons and JD PLUS membership benefits.中信银行发行“颜卡龙马精神卡”和京东PLUS联名信用卡（新春版），新用户最高可累计领取140元支付券及京东PLUS会员权益。
2024-02-17CITIC BANK jointly launched an ice-and-snow themed credit card with the National Youth Sports Federation Ice and Snow Branch and Wanlong Sports Tourism, offering ski resort consumption vouchers in Zhangjiakou area.中信银行与全国青少年体育联合会冰雪分会、万龙运动旅游共同发布冰雪主题卡，提供张家口区域内各大雪场消费抵扣券等权益。
2024-05-08CITIC Bank and Huawei Wallet launched two new Huawei Card credit card designs (City Movement Edition and Sparkling Star Edition) exclusively for HUAWEI Pura 70 series users.中信银行与华为钱包合作，为HUAWEI Pura 70系列用户专属定制推出中信银行Huawei Card都市乐章版、光绽成星版两款信用卡。
2024-07-15CITIC Bank signs a strategic cooperation agreement with Reader Publishing Group to deepen cooperation in finance and culture, building on the 2020 'CITIC Reader' co-branded credit card.中信银行与读者出版集团签署战略合作协议，深化金融与文化领域合作，此前于2020年发行了“中信读者联名信用卡”。
2024-07-26CITIC Bank credit card center and Xiaomi jointly launch the 'CITIC Bank Xiaomi FRIEND Member Edition' co-branded digital credit card, offering exclusive benefits for Xiaomi FRIEND members.中信银行信用卡中心与小米公司联合推出“中信银行小米FRIEND会员版”联名数字信用卡，为小米FRIEND会员提供专属权益。
2024-08-30CITIC Bank and Air China jointly launched the 'CITIC Bank Phoenix Miles Panganda Co-branded Credit Card', with 8 card tiers.中信银行携手中国国际航空公司全新推出'中信银行凤凰知音胖安达联名信用卡'，共设8款产品。
2024-09-01CITIC Bank and Air China jointly launched the 'CITIC Bank Phoenix Miles Pang Anda Co-branded Credit Card', offering 8 card tiers (Gold, iPlatinum, Elite Platinum, Premium Platinum) targeting young business travelers, upgrading the 'Finance + Business Travel' ecosystem.中信银行与中国国际航空公司联合推出“中信银行凤凰知音胖安达联名信用卡”，共设8款不同等级产品（金卡、i白金、精逸白金、尊尚白金），面向年轻商旅客群，升级“金融+商旅”生态服务体系。
2024-09-29CITIC Bank launched its first tennis-themed credit card at the China Open, including UnionPay Standard Platinum and Mastercard iPlatinum cards, with benefits such as cashback and airport lounge access.中信银行在中国网球公开赛上发布首款网球主题信用卡，包括银联标准白金卡和万事达i白金卡，权益含消费返现、机场贵宾厅等。
2024-12-24CITIC Bank and Shangri-La Group jointly launched the CITIC Bank Shangri-La co-branded credit card, with three tiers (Gold, Elite Platinum, Premium Platinum), offering membership benefits across 100+ hotels in 75 global destinations.中信银行与香格里拉集团联合发行中信银行香格里拉联名信用卡，设金卡、精英白金卡、尊贵白金卡三级，享全球75个目的地100多家酒店权益。
2025-01-03CITIC BANK launched the 'Xinyun Wujie' credit card (Greater Bay Area version), offering 10% off public transport in HK/Macao and 10% cashback at merchants like Ctrip, Didi, Damai, Sam's Club.中信银行推出“信运无界信用卡（大湾区版）”，提供港澳公共交通费用立减10%及携程、滴滴、大麦、山姆等商户10%消费返现。
2025-02-07CITIC Bank's credit card launched the 'CITIC Carbon Account', the first personal carbon reduction account led by a bank in China, and introduced two new green credit cards: PASS theme card and iCar Pro Platinum card.中信银行信用卡推出国内首个银行主导的个人碳减排账户“中信碳账户”，并推出两款绿色信用卡：PASS主题信用卡和i车Pro白金信用卡。
2025-07-18CITIC Bank and Duzhe Publishing Group jointly launched a co-branded debit card, integrating financial services with cultural reading.中信银行与读者出版集团联袂推出联名借记卡，融合金融与文化阅读服务。
2025-10-21CITIC Bank credit card launched Yan GO Ka Fulu theme UnionPay credit card at Shenzhen Sky Music Festival, with up to 600 yuan annual cashback and consumption discounts.中信银行信用卡在深圳天空音乐节首发颜GO卡福禄主题银联信用卡，全年最高享600元立减金及消费优惠。
2025-10-29CITIC Bank launched 'Xingfu Nianhua' credit card for middle-aged and elderly customers, featuring health, travel, and lifestyle benefits, as part of its pension finance system upgrade.中信银行正式发布幸福年华信用卡，面向中老年群体，涵盖健康、出行、生活等权益，完善养老金融体系。
2026-05-22CITIC Bank and Xunshang Pengruili Hospital jointly launched a co-branded credit card with a '1% Charity Plan' donating 1% of medical spending to the Sichuan Red Cross Foundation for spinal correction and congenital heart disease.中信银行与循上鹏瑞利医院推出联名信用卡及“1%公益计划”，将自费医疗消费的1%捐至四川红十字基金会。
2026-05-29CITIC Bank credit card center and Xiaomi jointly launched the first co-branded credit card for car owners, 'CITIC Bank Xiaomi Co-branded Credit Card · Explorer Edition (Car Owner Version)', extending cooperation to the automotive ecosystem.中信银行信用卡中心与小米公司联合推出首款面向车主用户的联名信用卡“中信银行小米联名信用卡·探索版（车友版）”，合作延伸至车生态场景。
Green finance growth绿色金融增长
13 · 2024-01-12 → 2026-03-13
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CITIC Bank's green credit balance grew significantly, exceeding RMB 460 billion in 2023 and reaching over RMB 700 billion by mid-2025.中信银行绿色信贷余额大幅增长，2023年超过4600亿元，2025年中期超过7000亿元。
2024-01-12CITIC Bank's green credit balance exceeded RMB 460 billion as of Nov 2023, up over RMB 130 billion from the start of the year, accounting for 8.8% of total loans.截至2023年11月末，中信银行绿色信贷余额超4600亿元，较年初增长超1300亿元，占各项贷款余额8.8%。
2024-02-06CITIC BANK Chuzhou Branch won the 'Green Finance Advanced Unit' award in Chuzhou's 4th Financial High-Quality Development competition, having processed 1.353 billion yuan in 'Chu Carbon Easy' green rediscount products.中信银行滁州分行在滁州市第四届金融高质量发展劳动竞赛中荣获“绿色金融先进单位”称号，累计办理“滁碳易”绿色减排再贴现产品13.53亿元。
2024-02-28CITIC BANK Huzhou Branch completed the first water-supply charging-right pledge loan via the动产融资统一公示系统 (Unified Asset Financing Publicity System), disbursing 100 million yuan for the Changxing Hexi Watershed comprehensive improvement project.中信银行湖州分行依托动产融资统一公示系统完成首笔供水收费权质押贷款，向长兴合溪流域综合治理项目发放1亿元。
2024-08-12CITIC Bank completed issuance of 2024 Green Financial Bond (Tranche 1) at RMB 20 billion, 3-year fixed rate at 1.81%.中信银行完成发行2024年绿色金融债券（第一期），规模200亿元，3年期固定利率1.81%。
2025-04-01CITIC Bank 2024 annual report: green credit balance 600.565 billion yuan (+30.84% YoY), strategic emerging industries loan 643.954 billion yuan (+21.07% YoY), tech enterprise loan 564.372 billion yuan (+19.34% YoY).中信银行2024年报：绿色信贷余额6005.65亿元（同比+30.84%），战略性新兴产业贷款6439.54亿元（同比+21.07%），科技企业贷款5643.72亿元（同比+19.34%）。
2025-08-28CITIC BANK's green credit balance exceeds RMB 700 billion by end-June 2025, up nearly 17% from end-2024.截至2025年6月末，中信银行绿色信贷余额突破7000亿元，较上年末增长近17%。
2025-10-16CITIC Bank Huzhou branch issued its first green energy-efficiency loan (9300 million yuan credit line) to Zhejiang Weisheng Crop, linking ESG scores to collateral coefficients.中信银行湖州分行向浙江威昇作物发放辖内首笔绿色能效贷（授信敞口9300万元），将ESG评分与抵押物系数挂钩。
2025-10-30CITIC Bank Ordos branch disbursed 1 billion yuan green credit to a new energy company for a 462MW wind power project, supporting flexible coal power transformation.中信银行鄂尔多斯分行向某新能源公司投放10亿元绿色信贷，用于462MW风电项目，支持火电灵活性改造。
2025-12-30CITIC Bank's green credit balance (including CITIC Financial Leasing) exceeded 750 billion RMB as of mid-December 2025, and it issued 5 billion RMB in green financial bonds in 2025.截至2025年12月中旬，中信银行绿色信贷余额（含中信金融租赁）突破7500亿元，2025年发行绿色金融债券50亿元。
2026-01-08Chifeng branch issued 300 million yuan in green credit for a green new energy aluminum-based new material industrial park standard factory building project.中信银行赤峰分行发放3亿元绿色信贷，专项用于绿色新能源铝基新材料产业园标准化厂房项目。
2026-01-27Green credit balance (including CITIC Financial Leasing) exceeded 750 billion yuan as of mid-December 2025; issued 5 billion yuan in green financial bonds in 2025, cumulative 45 billion yuan since 2023.截至2025年12月中旬绿色信贷余额（含中信金融租赁）突破7500亿元；2025年发行绿色金融债券50亿元，2023年以来累计发行450亿元。
2026-02-26CITIC Bank Changsha Branch reported green credit growth of 20% in 2025, with credit scale increasing by over 10 billion yuan in nearly four years, supporting firms like CNGR Advanced Materials.中信银行长沙分行2025年绿色信贷增速达20%，信贷规模近四年增长超过100亿元，支持中伟股份等企业。
2026-03-13CITIC Bank Baotou Branch disbursed a loan of RMB 13.45 million to a local heating enterprise for upstream heat fee payments to ensure stable winter heating supply.中信银行包头分行向本地一家供热企业发放贷款1345万元，专项用于支付上游热费，保障冬季供暖。
Executive changes高管变动
69 · 2024-01-15 → 2026-06-18
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CITIC Bank experienced multiple executive resignations, appointments, and promotions throughout the period.在此期间，中信银行经历了多次高管辞职、任命和晋升。
2024-01-15Chen Panwu resigned as employee representative supervisor and member of the Nomination Committee of the Supervisory Board due to retirement, effective Jan 13, 2024.陈潘武因退休辞去中信银行职工代表监事及监事会提名委员会委员职务，自2024年1月13日起生效。
2024-04-12Vice President and CFO Wang Kang resigned due to work adjustment, effective immediately.副行长、财务总监王康因工作调整辞任，即日生效。
2024-04-28Beijing branch president He Jinsong reportedly to be promoted to vice president of the head office.北京分行行长贺劲松拟任总行副行长。
2024-05-23CITIC Bank's board approved the appointment of He Jinsong as Vice President, effective upon regulatory approval of his qualifications.中信银行董事会同意聘任贺劲松为副行长，自监管机构核准其任职资格之日起正式就任。
2024-05-31CITIC Bank's business director Liu Honghua resigned due to retirement, effective May 31, 2024.中信银行业务总监刘红华因退休原因辞去职务，自2024年5月31日起生效。
2024-06-01Business Director Liu Honghua resigned due to retirement, effective from May 31, 2024.业务总监刘红华因退休辞任，自2024年5月31日起生效。
2024-06-20CITIC Bank held the first meeting of the 7th Board of Directors, electing Fang Heying as Chairman, re-appointing Liu Cheng as President, and Zhang Qing as Board Secretary for a three-year term.中信银行召开第七届董事会第一次会议，选举方合英为董事长，续聘刘成为行长、张青为董事会秘书，任期三年。
2024-06-27Former CITIC Bank Vice President Wang Kang was appointed as a member of the Party Committee and Vice President of the Export-Import Bank of China, effective June 2024.原中信银行副行长王康自2024年6月起任中国进出口银行党委委员、副行长。
2024-07-02CITIC Bank approves Xu Sheng as vice president and Liu Chuanlong as president of CITIC Bank Rizhao Branch, as per regulatory approval.国家金融监督管理总局日照监管分局核准徐盛任中信银行日照分行副行长、刘传龙任行长。
2024-07-22CITIC Bank Taizhou Branch approves Zheng Wenwen as vice president, as per regulatory approval from Taizhou Financial Regulatory Bureau.国家金融监督管理总局台州监管分局核准郑雯雯任中信银行台州分行副行长。
2024-08-13National Financial Regulatory Administration Taizhou branch approved Chen Bingyue as Vice President of CITIC Bank Taizhou Branch.国家金融监督管理总局台州监管分局核准陈冰玥任中信银行台州分行副行长。
2024-08-28CITIC Bank announced the resignation of joint company secretary Gan Meixia and appointment of Zhang Yuefen as replacement, effective August 28, 2024.中信银行宣布联席公司秘书甘美霞辞职，张月芬获委任接替，自2024年8月28日起生效。
2024-09-19CITIC Bank's board approved the appointment of Gu Lingyun as Vice President. Gu, aged 46, previously served as Chairman of CIB Wealth Management and has 25 years of experience at CITIC Bank.中信银行董事会同意聘任谷凌云为副行长。谷凌云46岁，曾任信银理财董事长，在中信银行任职25年。
2024-10-09CITIC Bank Wealth Management Department General Manager Wang Hongdong (王洪栋) was appointed as Chairman of CIB Wealth Management (信银理财), succeeding Gu Lingyun (谷凌云) who was promoted to Vice President of CITIC Bank.中信银行财富管理部总经理王洪栋将出任信银理财董事长，接替升任中信银行副行长的谷凌云。
2024-10-22CITIC Bank Vice President He Jinsong (贺劲松) officially assumed office on October 18, 2024, after regulatory approval from the National Financial Regulatory Administration.中信银行副行长贺劲松自2024年10月18日起正式就任，任职资格已获国家金融监督管理总局核准。
2024-10-28Kong Jian (孔剑) was approved as Assistant President of CITIC Bank Dalian Branch by the Dalian Financial Regulatory Bureau.孔剑中信银行大连分行行长助理的任职资格获大连金融监管局核准。
2024-10-29Hu Gang (胡罡) was approved as Executive Director of CITIC Bank by the National Financial Regulatory Administration, effective October 28, 2024.胡罡担任中信银行执行董事的任职资格获国家金融监督管理总局核准，自2024年10月28日起就任。
2024-11-20CITIC Bank's board nominated Fu Yamin as non-executive director candidate for the 7th board.中信银行董事会提名付亚民为第七届董事会非执行董事候选人。
2024-11-27Li Gang, a veteran of over 20 years at CITIC Bank, approved as chairman of CITIC Financial Leasing Co., Ltd.中信银行老将李刚获准担任中信金融租赁有限公司董事长。
2024-12-12CITIC Bank approved Yang Xiao as Vice President of Maoming Branch and Qu Decong as Vice President of Haikou Branch by financial regulatory authorities.中信银行杨骁获核准任茂名分行副行长，瞿德聪获核准任海口分行副行长。
2024-12-12CITIC Bank reported internal executive changes: Liu Yuezhen (former GM of Asset-Liability Dept) to be Nanjing Branch President; Ye Xuesong (former Nanjing Branch President) to be GM of Asset-Liability Dept; Xue Fengqing (former GM of Finance & Accounting) to be Guangzhou Branch President; Jin Xinian (former Guangzhou Branch President) to be GM of Credit Execution Dept.中信银行内部人事调整：资产负债部总经理刘月珍拟任南京分行行长；南京分行行长叶雪松拟任资产负债部总经理；财务会计部总经理薛锋庆拟任广州分行行长；广州分行行长金喜年拟任授信执行部总经理。
2024-12-27CITIC Bank external supervisor Liu Guoling resigned due to personal reasons, effective December 27, 2024, stepping down from the Supervisory Committee and its sub-committees.中信银行外部监事刘国岭因个人精力原因辞职，自2024年12月27日起生效，辞去监事会监督委员会及提名委员会委员职务。
2025-01-10CITIC BANK President Liu Cheng appointed as Party Secretary of CITIC Securities, succeeding retiring Chairman Wang Changqing; Liu will later assume chairman role after statutory procedures.中信银行行长刘成接任中信建投证券党委书记，接替即将退休的王常青；后续将履行法定程序后辞去董事长职务。
2025-02-14Lu Wei, former chairman of CITIC Trust, returned to CITIC Bank as Deputy Party Secretary, and is expected to become President after regulatory approval.原中信信托董事长芦苇回归中信银行出任党委副书记，待监管核准后将出任行长。
2025-02-20CITIC Bank's President Liu Cheng resigned due to work adjustment, effective Feb 20, 2025; the board appointed Lu Wei as President, subject to regulatory approval.中信银行行长刘成因工作调整辞任，自2025年2月20日起生效；董事会聘任芦苇为行长，待监管核准。
2025-02-21CITIC Bank's board nominated Lu Wei as candidate for executive director of the 7th board, to be submitted to the general meeting for election.中信银行董事会提名芦苇为第七届董事会执行董事候选人，提交股东大会审议。
2025-03-10Vice President Lyu Tiangui resigned due to work adjustment, effective March 10, 2025.副行长吕天贵因工作调整辞职，自2025年3月10日起生效。
2025-03-19National Financial Regulatory Administration approved Gu Lingyun as Vice President, effective March 18, 2025.国家金融监督管理总局核准谷凌云副行长任职资格，自2025年3月18日起正式就任。
2025-03-25Approved the appointment of Wang Wenbin as Deputy President of Datong Branch, and Yang Yonggui as Deputy President of Qujing Branch.核准王文斌大同分行副行长、杨永贵曲靖分行副行长的任职资格。
2025-03-28Approved the appointment of Tong Zhenhua as Deputy President of Huzhou Branch.核准童震华湖州分行副行长的任职资格。
2025-04-02CITIC Bank approved Li Xingwei as vice president of Dazhou Branch, Sichuan.核准李兴维中信银行达州分行副行长的任职资格。
2025-04-03CITIC Bank approved Wang Wenyue as vice president of Nansha Sub-branch, Guangdong Free Trade Zone.核准王文越中信银行广东自贸试验区南沙分行副行长的任职资格。
2025-04-08CITIC Bank non-executive director Cao Guoqiang resigned due to retirement, effective April 8, 2025.中信银行非执行董事曹国强因退休辞任，自2025年4月8日起生效。
2025-04-17CITIC Bank approved Xu Haidong as president of Yingkou Branch, Liaoning.核准徐海东中信银行营口分行行长的任职资格。
2025-04-21CITIC Bank approved Wang Di as vice president of Harbin Branch, Heilongjiang.核准王迪中信银行哈尔滨分行副行长的任职资格。
2025-04-22CITIC Bank announced that Lu Wei officially assumed the role of President on April 21, 2025, after regulatory approval.中信银行公告，芦苇自2025年4月21日起正式就任行长。
2025-05-08CITIC BANK board approved the appointment of Jin Xinian as Vice President, pending regulatory approval; he previously served as General Manager of the Credit Execution Department.中信银行董事会同意聘任金喜年为副行长，待监管核准；其曾任总行授信执行部总经理。
2025-05-09National Financial Regulatory Administration approved Lu Wei as President of CITIC BANK, effective immediately.国家金融监督管理总局核准芦苇担任中信银行行长的任职资格。
2025-05-09Shenzhen Financial Regulatory Bureau approved Bai Lijun as Chairman of CITIC BANK International (China) Co., Ltd.深圳金融监管局核准柏立军担任中信银行国际（中国）有限公司董事长。
2025-06-11Lu Wei's qualification as executive director of CITIC Bank was approved by the NFRA, effective June 5, 2025.芦苇担任中信银行执行董事的任职资格获国家金融监管总局核准，自2025年6月5日起生效。
2025-06-20CITIC Bank held its 7th Board of Directors first meeting; nominated Wei Qiang as a candidate for non-executive director; proposed to change registered capital and amend the Articles of Association due to A-share convertible bond conversion.中信银行召开第七届董事会第一次会议；提名魏强为非执行董事候选人；因A股可转债转股拟变更注册资本并修订公司章程。
2025-07-31CITIC Bank's associate AIBank (Baixin Bank) announced leadership change: former chairman Lyu Tiangui resigned, and Xie Zhibin was elected as new chairman, pending regulatory approval.中信百信银行人事变动：原董事长吕天贵辞职，谢志斌当选新任董事长，待监管核准。
2025-08-07Cheng Fangshu's qualification as President of CITIC BANK Shanghai Free Trade Zone Branch is approved by the Shanghai Financial Regulatory Bureau.国家金融监督管理总局上海监管局核准程方舒中信银行上海自贸试验区分行行长的任职资格。
2025-08-08CITIC BANK appoints Jin Xinian as Vice President, effective 2025-08-04, after regulatory approval from the National Financial Regulatory Administration.中信银行聘任金喜年为副行长，自2025年8月4日起正式就任，已获国家金融监督管理总局核准。
2025-08-20Fu Yamin's qualification as a non-executive director of CITIC BANK is approved by the National Financial Regulatory Administration, effective 2025-08-18.国家金融监督管理总局核准付亚民担任中信银行非执行董事的任职资格，自2025年8月18日起生效。
2025-08-20Huang Fang resigns as non-executive director, Chair of the Consumer Protection Committee, and member of the Board of CITIC BANK due to work adjustment, effective 2025-08-19.黄芳因工作调整辞去中信银行非执行董事、董事会消费者权益保护委员会主席及委员职务，自2025年8月19日起生效。
2025-08-28Xie Zhibin concurrently serves as Chairman of CITIC Baixin Bank starting August 2025.谢志斌自2025年8月起兼任中信百信银行董事长。
2025-09-02CITIC Bank announced that Vice President Xie Zhibing concurrently serves as Chairman of aiBank (Baixin Bank) since August 2025, succeeding Lv Tiangui who transferred to CITIC Trust. aiBank's total assets reached 119.516 billion yuan as of end-June 2025, with H1 revenue of 2.875 billion yuan (up 28.64% YoY) and net profit of 472 million yuan (up 1.66% YoY).中信银行公告副行长谢志斌自2025年8月起兼任百信银行董事长，接替调任中信信托的吕天贵。百信银行截至6月末总资产1195.16亿元，上半年营收28.75亿元（同比增28.64%），净利润4.72亿元（同比增1.66%）。
2025-10-15National Financial Regulatory Administration Quzhou branch approved Wang Yi as president of CITIC Bank Quzhou branch.国家金融监督管理总局衢州监管分局核准王毅中信银行衢州分行行长的任职资格。
2025-11-05Wang Kuo was approved by Yingkou Financial Regulatory Branch as the vice president of CITIC Bank Yingkou Branch.营口金融监管分局核准王阔中信银行营口分行副行长的任职资格。
2025-11-28Mu Yinfang was approved by Shenzhen Financial Regulatory Bureau as the vice president of CITIC Bank Credit Card Center.深圳金融监管局核准穆银芳中信银行信用卡中心副总裁的任职资格。
2025-12-02Wei Qiang's qualification as a non-executive director of CITIC Bank was approved by the National Financial Regulatory Administration (NFRA), effective from November 24, 2025.国家金融监督管理总局核准魏强担任中信银行非执行董事的任职资格，自2025年11月24日起就任。
2025-12-02Jin Xinian's qualification as Chief Risk Officer of CITIC Bank was approved by the NFRA, effective from December 2, 2025.国家金融监督管理总局核准金喜年担任中信银行风险总监的任职资格，自2025年12月2日起正式就任。
2025-12-30Lu Wei resigned as Executive Director and President of CITIC Bank due to a job adjustment, and Chairman Fang Heying was appointed to temporarily perform the president's duties.芦苇因工作调整辞去中信银行执行董事、行长职务，董事长方合英代为履行行长职责。
2026-01-12Gao Chenyang's qualification as Vice President of Shaoxing branch was approved by the Shaoxing Financial Regulatory Sub-bureau.绍兴金融监管分局核准高晨阳中信银行绍兴分行副行长的任职资格。
2026-01-19President Lu Wei resigned due to work adjustment; Chairman Fang Heying temporarily assumes the duties of President.行长芦苇因工作调整辞去职务，董事长方合英暂时代理行长职责。
2026-02-25CITIC Bank announced a change of sponsor representative for its rights issue to existing A-share shareholders; CITIC Securities replaced Hu Yan with Hu Zhangtuo.中信银行公告其向原A股股东配售股份项目的联席保荐机构中信证券变更保荐代表人，胡雁由胡张拓接替。
2026-03-06Shenzhen Financial Regulatory Bureau approved Zeng Yufang as Vice President of CITIC Bank Credit Card Center.深圳金融监管局核准曾玉芳担任中信银行信用卡中心副总裁。
2026-03-20CITIC Bank's board approved the appointment of Zhao Yuanxin as Vice President, effective upon regulatory approval of his qualification.中信银行董事会审议通过聘任赵元新为副行长，自监管机构核准其任职资格之日起正式就任。
2026-04-10Shenzhen Financial Regulatory Bureau approved Yan Jun as Vice President of CITIC Bank Credit Card Center.深圳金融监管局核准严俊中信银行信用卡中心副总裁的任职资格。
2026-04-21Dalian Financial Regulatory Bureau approved Kong Jian as Vice President of CITIC Bank Dalian Branch.大连金融监管局核准孔剑中信银行大连分行副行长的任职资格。
2026-04-24Shenzhen Financial Regulatory Bureau approved Sun Jianyu as Vice President of CITIC Bank International (China) Co., Ltd.深圳金融监管局核准孙剑宇中信银行国际（中国）有限公司副行长的任职资格。
2026-05-11Zhao Yuanxin was approved by the National Financial Regulatory Administration as Vice President of CITIC Bank, effective from May 7, 2026.赵元新获国家金融监督管理总局核准担任中信银行副行长，自2026年5月7日起就任。
2026-05-19Lv Tianqui, former Vice President of CITIC Bank and Chairman of CITIC Trust, is set to return as President of CITIC Bank, filling the vacancy left by Lu Wei who resigned in December 2025.原中信银行副行长、中信信托董事长吕天贵拟回归出任中信银行行长，填补2025年12月芦苇辞任后的空缺。
2026-05-20CITIC Bank's board approved the appointment of Lv Tianqui as President and Chief Compliance Officer, and Shen Qiang as Vice President, pending regulatory approval.中信银行董事会同意聘任吕天贵为行长兼首席合规官，聘任沈强为副行长，待监管核准。
2026-06-09CITIC BANK approves Song Qiaochu (宋翘楚) as deputy president of Jiangmen Branch (江门分行).中信银行核准宋翘楚担任江门分行副行长任职资格。
2026-06-15CITIC BANK announces Lv Tiangui (吕天贵) officially assumes role as President and Chief Compliance Officer, effective June 15, after regulatory approval.中信银行公告吕天贵自2026年6月15日起正式就任行长、首席合规官，任职资格已获监管核准。
2026-06-17CITIC BANK's shareholder meeting elects Lv Tiangui (吕天贵) as executive director of the 7th Board of Directors.中信银行2025年年度股东会选举吕天贵为第七届董事会执行董事。
2026-06-18CITIC BANK Anshan Branch (鞍山分行) approves Shen Jinyang (申金洋) as deputy president.中信银行鞍山分行核准申金洋担任副行长任职资格。
'Spring Seedling' charitable trust'春苗'慈善信托
1 · 2024-01-17
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CITIC Bank Shaoxing Branch settled its first charitable trust business, the 'Spring Seedling Charitable Trust'.中信银行绍兴分行落地首单慈善信托业务——'春苗慈善信托'。
2024-01-17CITIC Bank Shaoxing Branch settled its first charitable trust business, the 'Spring Seedling Charitable Trust', with an initial capital of RMB 10 million.中信银行绍兴分行落地首单慈善信托业务——“春苗慈善信托”，初始资金1000万元。
CITIC Bank International USD 500 million notes redemption信银国际5亿美元票据赎回
1 · 2024-01-18
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CITIC Bank International announced the redemption of all outstanding USD 500 million 4.625% notes due 2029 and delisting from HKEX.信银国际宣布赎回所有2029年到期的5亿美元4.625%票据并从港交所退市。
2024-01-18CITIC Bank International announced the redemption of all outstanding USD 500 million 4.625% notes due 2029 on Feb 28, 2024, and will apply for delisting from HKEX.中信银行（国际）宣布将于2024年2月28日赎回全部5亿美元4.625%2029年到期票据，并申请从港交所退市。
LPR quotation bank additionLPR报价行新增
1 · 2024-01-19
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CITIC Bank was added as a new LPR quotation bank by the People's Bank of China.中信银行被中国人民银行新增为LPR报价行。
2024-01-19CITIC Bank was added as a new LPR quotation bank by the People's Bank of China, expanding the LPR quotation panel from 18 to 20 banks, effective Jan 22, 2024.中国人民银行将中信银行新增为贷款市场报价利率（LPR）报价行，报价行名单由18家扩大至20家，自2024年1月22日起实施。
Software copyright registrations软件著作权登记
7 · 2024-01-19 → 2025-10-14
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CITIC Bank registered numerous software copyrights for various systems and platforms.中信银行注册了多个系统和平台的软件著作权。
2024-01-19CITIC Bank registered a new software copyright, 'CITIC Bank Corporate Credit Customer Risk Intelligent Audit Analysis Software V1.0'.中信银行新注册《中信银行公司授信客户风险智能审计分析软件V1.0》软件著作权。
2024-01-22CITIC Bank registered a new software copyright, 'SWIFT Direct Connection Cash Management Platform V1.0'.中信银行新注册《SWIFT直连现金管理平台V1.0》软件著作权。
2024-07-18CITIC Bank registers a new software copyright for 'ETC Vehicle Fund Supervision Platform V1.0'.中信银行新注册《ETC车辆资金监管平台V1.0》软件著作权。
2024-08-15CITIC Bank registered a new software copyright for 'Changzhou Smart Healthcare Business-Finance Integrated Management Platform V1.0'.中信银行新注册《常州市智慧医保业务财务一体化管理平台V1.0》软件著作权。
2025-03-01Registered 5 new software copyrights, including personal loan management system, underwriting management system, intelligent receipt management system, cloud computing operations platform self-service cloud system, and quantitative investment brain software.新注册5个软件著作权，包括个贷管理系统、核保管理系统、智能收单管理系统、云计算运维平台自助云服务系统、量化投资大脑软件。
2025-07-04CITIC Bank registered 5 new software copyrights, including CITIC Mobile Banking (HarmonyOS) V11.0.0 and CITIC Tongye+ APP (HarmonyOS) V1.0.中信银行新注册5项软件著作权，包括中信银行手机银行（鸿蒙版）V11.0.0、中信同业+APP（鸿蒙版）V1.0等。
2025-10-14CITIC Bank registered 27 new software copyrights, including platforms for related-party transactions, smart parking, RPA, risk management, and Hongmeng OS payment terminal.中信银行新注册27项软件著作权，涵盖关联交易管理、智慧停车、RPA机器人、全面风险管理、鸿蒙版收款台等。
Annual and quarterly results年度及季度业绩
21 · 2024-01-22 → 2026-04-29
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CITIC Bank released its annual and quarterly financial results, showing revenue and profit trends.中信银行发布年度及季度财务业绩，显示收入和利润趋势。
2024-01-22CITIC Bank released 2023 annual results: revenue RMB 205.896 billion (-2.60% YoY), net profit RMB 67.016 billion (+7.91% YoY); NPL ratio 1.18% (-0.09pp), provision coverage 207.59% (+6.40pp).中信银行发布2023年度业绩快报：营业收入2058.96亿元（同比-2.60%），净利润670.16亿元（同比+7.91%）；不良贷款率1.18%（-0.09个百分点），拨备覆盖率207.59%（+6.40个百分点）。
2024-02-04CITIC BANK released 2023 annual performance forecast: total operating revenue 205.896 billion yuan, down 2.60% YoY; net profit attributable to shareholders 67.016 billion yuan, up 7.91% YoY; NPL ratio 1.18%, down 0.09 ppt; provision coverage 207.59%, up 6.40 ppt.中信银行发布2023年度业绩快报：营业总收入2058.96亿元，同比下降2.60%；归母净利润670.16亿元，同比增长7.91%；不良贷款率1.18%，下降0.09个百分点；拨备覆盖率207.59%，上升6.40个百分点。
2024-03-21CITIC Bank released its 2023 annual report: revenue 205.896 billion yuan (-2.60% YoY), net profit 67.016 billion yuan (+7.91% YoY), proposed dividend of 3.56 yuan per 10 shares.中信银行发布2023年年报：营业收入2058.96亿元（同比-2.60%），净利润670.16亿元（同比+7.91%），拟10派3.56元。
2024-04-29Q1 2024 net profit attributable to shareholders reached 19.191 billion yuan, up 0.25% YoY; operating income 53.77 billion yuan, up 4.69% YoY.2024年第一季度归母净利润191.91亿元，同比增长0.25%；营业收入537.7亿元，同比增长4.69%。
2024-05-07CITIC Bank reported Q1 2024 results: total assets RMB 9.07 trillion (+0.20% YoY), NPL balance RMB 65.637 billion (+RMB 837 million), loan provision ratio 2.44% (-0.01pp).中信银行2024年一季度末资产总额9.07万亿元（较上年末增长0.20%），不良贷款余额656.37亿元（增加8.37亿元），贷款拨备率2.44%（下降0.01个百分点）。
2024-08-28CITIC Bank released 2024 interim results: revenue RMB 109.019 billion (+2.68% YoY), net profit RMB 35.49 billion (-1.6% YoY). Proposed interim dividend of RMB 1.847 per 10 shares.中信银行发布2024年半年度报告：营业收入1090.19亿元（同比增长2.68%），净利润354.9亿元（同比下降1.6%）。拟每10股派发现金股息1.847元。
2024-10-30CITIC Bank reported Q3 2024 results: net profit 51.826 billion yuan (+0.76% YoY), revenue 162.21 billion yuan (+3.83% YoY), NPL ratio 1.17% (-0.01pp), provision coverage 216% (+8.41pp).中信银行发布2024年三季度业绩：净利润518.26亿元（同比+0.76%），营业收入1622.1亿元（同比+3.83%），不良贷款率1.17%（-0.01个百分点），拨备覆盖率216%（+8.41个百分点）。
2024-11-01CITIC Bank Q3 2024 net profit 51.826 billion yuan, +0.76% YoY; revenue 162.21 billion yuan, +3.83% YoY; NIM 1.79%.中信银行2024年三季度净利润518.26亿元，同比增长0.76%；营业收入1622.1亿元，同比增长3.83%；净息差1.79%。
2025-01-14CITIC BANK released 2024 annual results: operating revenue of RMB 213.646 billion, +3.76% YoY; net profit attributable to shareholders of RMB 68.576 billion, +2.33% YoY; NPL ratio 1.16%, -0.02 pct; provision coverage 209.43%, +1.84 pct; total assets RMB 9.5303 trillion, +5.28% YoY.中信银行发布2024年度业绩快报：营业总收入2136.46亿元，同比增长3.76%；归母净利润685.76亿元，同比增长2.33%；不良贷款率1.16%，下降0.02个百分点；拨备覆盖率209.43%，上升1.84个百分点；资产总额9.53万亿元，增长5.28%。
2025-02-06CITIC Bank released 2024 annual results: total revenue RMB 213.646 billion (+3.76% YoY), net profit attributable to parent RMB 68.576 billion (+2.33% YoY), total assets RMB 9.53 trillion (+5.28% YoY), NPL ratio 1.16% (down for 6 consecutive years), provision coverage 209.43% (12-year high).中信银行发布2024年业绩快报：营业总收入2136.46亿元（同比+3.76%），归母净利润685.76亿元（同比+2.33%），总资产9.53万亿元（同比+5.28%），不良贷款率1.16%（连续6年下降），拨备覆盖率209.43%（12年新高）。
2025-03-06Full-year 2024 results: revenue 213.646 billion yuan (+3.76% YoY), net profit 68.576 billion yuan (+2.33% YoY), NPL ratio 1.16% (-0.02pp), provision coverage 209.43% (+1.84pp).2024年全年业绩：营业收入2136.46亿元（同比+3.76%），净利润685.76亿元（同比+2.33%），不良率1.16%（-0.02个百分点），拨备覆盖率209.43%（+1.84个百分点）。
2025-04-01CITIC Bank released 2024 annual results: total assets 9.53 trillion yuan, revenue 213.646 billion yuan (+3.76% YoY), net profit 68.576 billion yuan (+2.33% YoY), NPL ratio 1.16% (-0.02ppt).中信银行发布2024年年报：总资产9.53万亿元，营收2136.46亿元（同比+3.76%），归母净利润685.76亿元（同比+2.33%），不良贷款率1.16%（同比下降0.02个百分点）。
2025-04-29CITIC Bank released Q1 2025 results: revenue 51.77 billion yuan (-3.72% YoY), net profit 19.509 billion yuan (+1.66% YoY), NPL ratio 1.16% (flat), NPL balance 67.846 billion yuan (+1.361 billion).中信银行发布2025年一季报：营收517.70亿元（同比-3.72%），归母净利润195.09亿元（同比+1.66%），不良贷款率1.16%（持平），不良贷款余额678.46亿元（增加13.61亿元）。
2025-08-27CITIC BANK reports 2025 H1 results: net profit attributable to shareholders RMB 36.478 billion, up 2.78% YoY; operating income RMB 105.762 billion, down 2.99% YoY. Proposes interim dividend of RMB 1.88 per 10 shares, payout ratio 30.7%.中信银行发布2025年半年度业绩：归母净利润364.78亿元，同比增长2.78%；营业收入1057.62亿元，同比下降2.99%。拟每10股派发现金股息1.88元，分红比例30.7%。
2025-08-28CITIC BANK's 2025 H1 net profit attributable to shareholders is RMB 36.478 billion, up 2.78% YoY. Operating income is RMB 105.762 billion, down 2.99% YoY. Total assets reach RMB 9.86 trillion.中信银行2025年上半年归母净利润364.78亿元，同比增长2.78%；营业收入1057.62亿元，同比下降2.99%；总资产9.86万亿元。
2025-09-01CITIC Bank released its 2025 semi-annual results: net profit attributable to shareholders was 36.478 billion yuan, up 2.78% YoY; Q2 net profit growth accelerated to 4.11%; operating income was 105.762 billion yuan, down 2.99% YoY but Q2 decline narrowed to 2.28%.中信银行发布2025年半年度业绩：归母净利润364.78亿元，同比增长2.78%；二季度净利润增速提升至4.11%；营业收入1057.62亿元，同比下降2.99%，但二季度降幅收窄至2.28%。
2025-10-30CITIC Bank released Q3 2025 results: Q3 revenue 50.836 billion yuan (-4.43% YoY), net profit 16.913 billion yuan (+3.53% YoY); 9M revenue 156.598 billion yuan (-3.46% YoY), net profit 53.391 billion yuan (+3.02% YoY). NPL ratio 1.16%, total assets 9.9 trillion yuan.中信银行发布2025年三季报：三季度营收508.36亿元（同比-4.43%），净利润169.13亿元（同比+3.53%）；前三季度营收1565.98亿元（同比-3.46%），净利润533.91亿元（同比+3.02%）。不良率1.16%，总资产9.9万亿元。
2025-11-022025 Q1-Q3 net interest margin was 1.63%, flat with H1; Q3 single-quarter net profit was 16.9 billion yuan, up 3.53% YoY; deposit balance at end-Q3 was 6.07 trillion yuan, up 8.17% YoY.2025年前三季度净息差为1.63%，与上半年持平；三季度单季归母净利润169亿元，同比增长3.53%；三季度末存款余额6.07万亿元，同比增长8.17%。
2026-01-14Released 2025 annual results: net profit 70.618 billion yuan (+2.98% YoY), revenue 212.475 billion yuan (-0.55% YoY), NPL ratio 1.15% (-0.01ppt), total assets 10.13 trillion yuan (+6.28% YoY), first time exceeding 10 trillion yuan.发布2025年度业绩快报：净利润706.18亿元（同比+2.98%），营收2124.75亿元（同比-0.55%），不良贷款率1.15%（-0.01个百分点），总资产10.13万亿元（同比+6.28%），首次突破10万亿元。
2026-03-20CITIC Bank's 2025 annual results: revenue RMB 212.475 billion (-0.55% YoY), net profit attributable to shareholders RMB 70.618 billion (+2.98% YoY). Total assets exceeded RMB 10 trillion for the first time, reaching RMB 10.13 trillion.中信银行2025年年报：营业收入2124.75亿元（同比-0.55%），归母净利润706.18亿元（同比+2.98%）。总资产首次突破10万亿元，达10.13万亿元。
2026-04-29CITIC Bank reported Q1 2026 results: revenue RMB 54.649 billion (+5.23% YoY), net profit RMB 20.098 billion (+3.02% YoY), NPL ratio stable at 1.15%, NIM at 1.61% showing stabilization.中信银行发布2026年一季报：营业收入546.49亿元，同比增长5.23%；归母净利润200.98亿元，同比增长3.02%；不良贷款率1.15%，净息差1.61%呈企稳态势。
Financial bond issuance金融债券发行
15 · 2024-01-22 → 2026-06-12
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CITIC Bank received approval and issued multiple tranches of financial bonds, including green bonds, perpetual bonds, and Tier-2 capital bonds.中信银行获得批准并发行了多期金融债券，包括绿色债券、永续债和二级资本债。
2024-01-22CITIC Bank received PBOC approval to issue financial bonds in the interbank and offshore markets in 2024, with a new balance not exceeding RMB 80 billion, valid until Dec 31, 2024.中信银行获中国人民银行行政许可，2024年可在全国银行间市场及境外市场发行金融债券，新增余额不超过800亿元，有效期至2024年12月31日。
2024-04-19Issued 2024 perpetual subordinated capital bonds (Tranche 1) of 30 billion yuan at a coupon rate of 2.42% for the first 5 years, to replenish Tier-1 capital.发行2024年无固定期限资本债券（第一期）300亿元，前5年票面利率2.42%，用于补充其他一级资本。
2024-07-10CITIC Bank issues RMB 40 billion in 3-year fixed-rate financial bonds (2024 Tranche 1) at a coupon rate of 2.10%, approved by PBOC with a remaining quota of RMB 80 billion for 2024.中信银行发行2024年金融债券（第一期）400亿元，3年期固定利率，票面利率2.10%，央行批准2024年金融债券新增余额不超过800亿元。
2024-11-07CITIC Bank issued 25 billion yuan of 3-year financial bonds (2024 second tranche) at 2.06% and 5 billion yuan of 3-year 'Three Rural' special financial bonds at 2.06%.中信银行发行250亿元3年期金融债券（票面利率2.06%）和50亿元3年期“三农”专项金融债券（票面利率2.06%）。
2025-01-14CITIC BANK received PBOC approval to issue financial bonds in the interbank and offshore markets in 2025, with a new incremental balance not exceeding RMB 60 billion, valid until Dec 31, 2025.中信银行获中国人民银行批准，2025年在全国银行间市场及境外市场发行金融债券，新增余额不超过600亿元，有效期至2025年12月31日。
2025-03-26Issued 30 billion yuan of 3-year special financial bonds for small and micro enterprise loans at a coupon rate of 1.92%.发行300亿元3年期小型微型企业贷款专项金融债券，票面利率1.92%。
2025-04-28CITIC Bank completed the issuance of the first tranche of 2025 green financial bonds (Bond Connect): 5 billion yuan, 3-year fixed rate, coupon rate 1.67%.中信银行完成2025年绿色金融债券（第一期）（债券通）发行：规模50亿元，3年期固定利率，票面利率1.67%。
2025-05-19CITIC BANK issued RMB 40 billion of 10-year Tier-2 capital bonds (first tranche 2025) at a coupon rate of 1.99%, with a call option at year 5, to replenish Tier-2 capital.中信银行成功发行400亿元10年期二级资本债券（第一期），票面利率1.99%，第5年末附赎回权，用于补充二级资本。
2025-05-20CITIC BANK issued RMB 10 billion of 3-year Sci-Tech Innovation Bonds (Bond Connect) at a coupon rate of 1.66%, proceeds to fund sci-tech loans.中信银行发行100亿元3年期科技创新债券（债券通），票面利率1.66%，募集资金用于科技创新贷款。
2025-08-05CITIC BANK announces plan to issue USD 300 million floating rate notes due 2028 under its USD 5 billion medium-term note programme, listed on HKEX on 2025-08-06.中信银行宣布计划在其50亿美元中期票据计划下发行于2028年到期的3亿美元浮动利率票据，于2025年8月6日在港交所上市。
2025-08-06CITIC BANK successfully issues USD 300 million medium-term notes due 2028 under its London branch's USD 5 billion MTN programme; notes listed on HKEX and LSE on 2025-08-06.中信银行伦敦分行在其50亿美元中期票据计划下成功发行3亿美元2028年到期的中期票据，票据于2025年8月6日在港交所和伦交所上市。
2025-10-27CITIC Bank London branch successfully issued USD 300 million floating-rate notes listed on LSE and HKEX, priced at SOFR+50bps, 8x oversubscribed, first LSE bond listing for the bank.中信银行伦敦分行在伦交所和港交所同步挂牌发行3亿美元浮动利率债券，定价SOFR+50基点，认购8倍，为首次在伦交所上市债券。
2025-11-27CITIC Bank issued the 2025 'Three Rural' special financial bond (Bond Connect) of 6 billion yuan, a 3-year floating rate bond with an initial coupon of 1.87%, proceeds exclusively for agricultural loans.中信银行发行2025年“三农”专项金融债券（债券通）60亿元，3年期浮动利率，首个利率调整期票面利率1.87%，募集资金专项用于涉农贷款。
2026-04-10CITIC Bank issued its 2026 first tranche of perpetual subordinated capital bonds (Bond Connect) on the interbank market, raising RMB 40 billion with a coupon rate of 2.06% for the first 5 years, to replenish Tier-1 capital.中信银行在全国银行间债券市场成功发行2026年无固定期限资本债券（第一期）（债券通），发行规模400亿元，前5年票面利率2.06%，用于补充其他一级资本。
2026-06-12CITIC BANK issues 2026 second tranche perpetual subordinated capital bonds (bond connect) of RMB 20 billion, coupon rate 1.97% for first 5 years, to replenish Tier-1 capital.中信银行成功发行2026年无固定期限资本债券（第二期）（债券通）200亿元，前5年票面利率1.97%，用于补充其他一级资本。
New branch openings新设分支机构
20 · 2024-01-22 → 2026-05-20
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CITIC Bank opened new branches and sub-branches in various cities across China.中信银行在全国多个城市新设了分行和支行。
2024-01-22CITIC Bank Jinan Free Trade Zone Sub-branch officially opened, the 21st outlet of CITIC Bank Jinan Branch in the city.中信银行济南自贸区支行正式开业，系中信银行济南分行在济南市设立的第21家网点。
2024-03-27CITIC Bank Hong Kong Branch officially opened, approved by the Hong Kong Monetary Authority, to serve as its cross-border business, overseas fund trading, and international talent cultivation center.中信银行香港分行正式开业，定位为跨境业务中心、海外资金交易中心、国际化人才培育中心。
2024-03-28CITIC Bank Chengdu Huijincheng Sub-branch officially opened in the High-tech Zone.中信银行成都汇锦城支行正式开业。
2024-04-23Hong Kong branch officially opened, expanding overseas network and supporting Hong Kong's status as an international financial center.香港分行正式开业，拓展海外机构布局，支持香港国际金融中心地位。
2024-07-26CITIC Bank Shanghai Xuhui Binjiang Branch officially opens, located at Baoli Time Square, Xuhui District.中信银行上海徐汇滨江支行正式开业，位于徐汇区保利时光里商场一楼。
2024-08-20CITIC Bank Chengdu Tianfu New Area Sub-branch officially opened for business, the 45th outlet of Chengdu Branch.中信银行成都天府新区支行正式揭牌开业，为成都分行第45家网点。
2024-10-28CITIC Bank Xiamen Jinyuwan Sub-branch was approved to open, located at No. 446, 448, 476 Honglian Road, Siming District, Xiamen.中信银行厦门金域蓝湾支行获准开业，营业场所为厦门市思明区洪莲路446号、448号、476号。
2024-10-30CITIC Bank Jiujiang Economic Development Sub-branch was approved to open, located at No. 379 Changjiang Avenue, Jiujiang Economic Development Zone, Jiangxi Province.中信银行九江经开支行获准开业，营业场所为江西省九江市经开区长江大道379号。
2024-11-25CITIC Bank Chengdu Hongji New Road sub-branch opened in Jinjiang District, Chengdu.中信银行成都宏济新路支行在成都市锦江区开业。
2024-12-16CITIC Bank Shenmu Sub-branch officially opened in Yulin, Shaanxi, the first county-level outlet in Yulin area in nearly five years and the 40th operating outlet of Xi'an Branch in Shaanxi.中信银行神木支行正式开业，为榆林地区近五年来唯一获批的股份制银行县域网点，也是西安分行在陕设立的第40家经营网点。
2025-03-03Approved the opening of Ganzhou Nankang Sub-branch in Jiangxi province.获批开业赣州南康支行（江西省）。
2025-03-05Approved the opening of Linfen Binhe Sub-branch in Shanxi province.获批开业临汾滨河支行（山西省）。
2025-03-14Approved the opening of Shantou Chenghai Sub-branch in Guangdong province.获批开业汕头澄海支行（广东省）。
2025-04-17CITIC Bank Zunyi Xinpu Sub-branch officially opened for business.中信银行遵义新蒲支行正式开业。
2025-05-12CITIC BANK Baoji Jintai sub-branch received regulatory approval to open in Baoji, Shaanxi.中信银行宝鸡金台支行获监管批准开业，位于陕西省宝鸡市。
2025-05-30CITIC BANK Chengdu Tianfu First Street sub-branch officially opened in the Chengdu High-tech Zone.中信银行成都天府一街支行在成都高新区正式开业。
2025-08-21CITIC BANK Xining Nanshan Road Green Sub-branch is approved for opening by Qinghai Financial Regulatory Bureau, located at No. 15 Nanshan Road, Chengzhong District, Xining.青海金融监管局同意中信银行西宁南山路绿色支行开业，营业场所位于西宁市城中区南山路15号。
2025-09-02CITIC Bank Yantai Zhifu Sub-branch officially opened after relocation and renaming from Yantai Wanda Plaza Sub-branch, located at Yindu International Financial Center, marking an upgrade in service capacity.中信银行烟台芝罘支行正式迁址更名开业，新址位于银都国际金融中心，标志着服务能级提升。
2025-10-31CITIC Bank Huzhou Nanxun sub-branch officially opened, focusing on SME financing, sci-tech finance, wealth management, and green credit.中信银行湖州南浔支行正式开业，重点服务中小企业融资、科创金融、财富管理及绿色信贷。
2026-05-20CITIC Bank Chengdu Tianfu Sanjie Sub-branch officially opened, located in the core area of Chengdu High-tech Zone, targeting specialized and new enterprises.中信银行成都天府三街支行正式开业，位于成都高新区核心区域，服务专精特新企业。
Compliance, Governance & Legal合规、治理与法律
27 · 2024-01-26 → 2026-05-28
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Regulatory approvals, articles amendments, legal disputes, and internal governance changes.监管批准、章程修订、法律纠纷及内部治理变更。
2024-01-26Yu Jialin, former president of CITIC Bank Haimen Sub-branch, was warned and fined RMB 60,000 for responsibility in illegal second-hand mortgage loans.时任中信银行海门支行行长虞佳林因对违规发放二手房按揭贷款负有责任，被警告并处罚款6万元。
2024-01-26Huang Jinhui, assistant president of CITIC Bank Nantong Branch, was warned and fined RMB 80,000 for responsibility in inflating inclusive loans and inadequate credit management.中信银行南通分行行长助理黄金辉因对虚增普惠型小微企业贷款规模、授信管理不尽职负有责任，被警告并处罚款8万元。
2024-01-26Xia Guodong, former GM of International Business Dept of CITIC Bank Nantong Branch, was warned and fined RMB 60,000 for negligence in bill and LC business management.时任中信银行南通分行国际业务部总经理夏国栋因对票据及信用证业务管理不尽职负有责任，被警告并处罚款6万元。
2024-02-23CITIC BANK announced its 1st extraordinary general meeting of 2024 on April 11, to consider extending the authorization period for the board and its authorized persons to handle matters related to the rights issue.中信银行公告将于2024年4月11日召开2024年第一次临时股东大会，审议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。
2024-03-22CITIC Bank Chairman Fang Heying stated at the results conference that the A+H share rights issue is under review by the Shanghai Stock Exchange, and the bank is an early queue member once market conditions permit.中信银行董事长方合英在业绩发布会上表示，A+H股配股发行工作处于上交所审核阶段，是较早的排队者。
2024-04-10Changchun Yizhi sub-branch issued a warning letter by Jilin CSRC for inadequate personnel qualification management in fund sales.长春一汽支行因基金销售业务人员资质管理不到位被吉林证监局出具警示函。
2024-07-26A former employee of CITIC Bank Xi'an Branch, Gao Yifei, is sentenced to four years in prison for fraud and banned from banking for life, involving collusion with external parties to obtain loans using forged documents.中信银行西安分行前员工高义飞因伙同外部人员使用伪造资料骗贷，被判处有期徒刑四年，并被终身禁止从事银行业工作。
2024-07-29CITIC Bank's revised Articles of Association are approved by the National Financial Regulatory Administration, effective from the approval date.国家金融监督管理总局核准中信银行修订后的公司章程，自核准之日起生效。
2024-08-02National Financial Regulatory Administration approved CITIC Bank's revised Articles of Association.国家金融监督管理总局核准中信银行修改后的公司章程。
2024-09-27Luo Jinhui, former Vice President (Grade 1 General Manager level) of CITIC Bank's Asset Management Business Center, is under investigation for suspected serious duty violations by the Central Commission for Discipline Inspection and the Liupanshui Supervisory Commission.中信银行资产管理业务中心原副总裁（一级部总经理级）罗金辉涉嫌严重职务违法，目前正接受中央纪委国家监委驻中信集团纪检监察组和六盘水市监委监察调查。
2024-12-30CITIC Bank board approved a related-party credit transaction with China CITIC Financial Asset Management Co., Ltd. for 2025, with a cumulative limit not exceeding 100 billion yuan.中信银行董事会审议通过2025年与中国中信金融资产管理股份有限公司开展授信类关联交易，累计金额不超过1000亿元人民币。
2025-04-10CITIC Bank board approved the 'Proposal on Supplementary Materials for the Application for Assessment of Advanced Methods for Capital Measurement'.中信银行董事会审议通过《关于中信银行资本计量高级方法评估申请补充材料相关事项的议案》。
2025-04-18CITIC Bank added one court case: financial entrusted wealth management contract dispute, filed on April 17, 2025 at Lushunkou District People's Court, Dalian.中信银行新增1件法院诉讼：金融委托理财合同纠纷，立案日期2025年4月17日，大连市旅顺口区人民法院。
2025-05-20Former CITIC BANK Asset Management Business Center deputy head Luo Jinhui stood trial for bribery, accused of accepting over RMB 44.37 million in illicit gains from 2014 to 2020.中信银行资产管理业务中心原副总裁罗金辉受贿案一审开庭，被控非法收受财物4437万余元。
2025-07-10CITIC Bank Wealth Management Department Deputy General Manager Yuan Dongning is under investigation for suspected serious disciplinary and legal violations.中信银行财富管理部副总经理袁东宁涉嫌严重违纪违法，接受纪律审查和监察调查。
2025-07-15CITIC Bank board approved 2025-2026 related-party transaction caps with Bank of China: credit business up to 130 billion yuan (2025) and 150 billion yuan (2026); financial market business up to 5.35 trillion yuan (2025) and 7.55 trillion yuan (2026).中信银行董事会审议通过与中国银行2025-2026年关联交易上限：授信业务1300亿元（2025年）和1500亿元（2026年）；金融市场业务5.35万亿元（2025年）和7.55万亿元（2026年）。
2025-07-15CITIC Bank board proposed to cancel the board of supervisors and revise the company charter and committee structure, pending shareholder and regulatory approval.中信银行董事会拟取消监事会设置，修订公司章程及委员会架构，需经股东大会及监管部门核准。
2025-08-05CITIC BANK announces 3rd special general meeting of shareholders on 2025-08-26 to consider changing registered capital and amending the Articles of Association, and revising the Shareholders' Meeting Rules and Board Meeting Rules.中信银行宣布于2025年8月26日召开第3次特别股东大会，审议变更注册资本及修改《公司章程》、修订《股东大会议事规则》和《董事会议事规则》的议案。
2025-12-11Luo Jinhui, former vice president of CITIC Bank's Asset Management Business Center, was sentenced to 12 years and 9 months in prison for accepting bribes totaling over 44.37 million RMB.中信银行资产管理业务中心原副总裁罗金辉因受贿4437万余元，被一审判处有期徒刑十二年九个月。
2025-12-16CITIC Bank's revised Articles of Association took effect, abolishing the Board of Supervisors and transferring its powers to the Board's Audit Committee, effective from December 16, 2025.中信银行修订后的公司章程生效，自2025年12月16日起不再设置监事会，由董事会审计委员会行使监事会职权。
2026-03-19Shenzhen Longguang Holdings Co., Ltd. disclosed that its subsidiary was filed for arbitration by CITIC Bank over a financing contract dispute involving a principal balance of approximately RMB 3.699 billion.深圳市龙光控股有限公司披露，其下属公司因融资合同纠纷被中信银行提起仲裁，涉及本金余额约36.99亿元。
2026-03-20CITIC Bank's board approved the renewal of KPMG Huazhen and KPMG as its 2026 domestic and international auditors, with total audit fees of RMB 7.19 million.中信银行董事会审议通过续聘毕马威华振和毕马威为2026年度审计机构，审计费用总额719万元。
2026-04-07CITIC Bank initiated arbitration against Logan Holdings for a financing dispute involving a principal balance of RMB 3.699 billion.中信银行就龙光控股36.99亿元融资纠纷提起仲裁。
2026-04-24CITIC Bank Shenzhen Branch initiated a second arbitration against Logan Holdings, involving a principal balance of approximately RMB 4.365 billion, bringing the total amount claimed to about RMB 8.064 billion.中信银行深圳分行再次对龙光控股提起仲裁，涉及本金约43.65亿元，两次合计追索本金约80.64亿元。
2026-05-06CITIC Bank filed arbitration claims against Longfor Group subsidiaries for financing contract disputes, involving principal balances of approximately RMB 3.699 billion and RMB 4.365 billion, totaling about RMB 8.064 billion.中信银行对龙光控股下属公司提起仲裁，涉及融资本金余额约36.99亿元和43.65亿元，合计约80.64亿元。
2026-05-14CITIC Bank held its second extraordinary shareholders' meeting in 2026, approving the 2025 annual report, 2025 final accounts, and 2025 profit distribution plan with 99.9993% approval.中信银行召开2026年第二次临时股东会，审议通过2025年年报、决算报告及利润分配方案，同意票99.9993%。
2026-05-28CITIC Bank announced its 2025 annual shareholders' meeting to be held on June 17, 2026, with agenda including fixed asset budget of RMB 2.745 billion (up 52% YoY), reappointment of KPMG, election of Lv Tianqui as executive director, and extension of rights issue resolution validity.中信银行公告2025年年度股东会将于2026年6月17日召开，议程包括27.45亿元固定资产投资预算（同比增52%）、续聘毕马威、选举吕天贵为执行董事、延长配股决议有效期。
Cross-border finance platform跨境金融服务平台
1 · 2024-01-31
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CITIC Bank completed its first export credit insurance policy financing via the cross-border finance service platform.中信银行通过跨境金融服务平台完成首笔出口信用保险保单融资。
2024-01-31CITIC Bank Changchun Branch completed its first export credit insurance policy financing via the cross-border finance service platform, marking full rollout of the pilot in Jilin province.中信银行长春分行通过跨境金融服务平台“出口信保保单融资”场景成功办理首笔综合险融资业务，标志着该试点场景在吉林省全面落地。
Strategic cooperation agreements战略合作协议
23 · 2024-02-06 → 2026-05-06
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CITIC Bank signed strategic cooperation agreements with various enterprises and institutions, including Jianlong Group, Shanghai Electric, Shougang Group, CRRC, and others.中信银行与建龙集团、上海电气、首钢集团、中国中车等多家企业和机构签署了战略合作协议。
2024-02-06CITIC BANK and Jianlong Group discussed deepening strategic cooperation in supply-chain finance, green finance, and cross-border finance, agreeing to sign a comprehensive strategic cooperation agreement after field research.中信银行与建龙集团就供应链金融、绿色金融、跨境金融等领域深化合作进行座谈，约定实地调研后签订全方位战略合作协议。
2024-04-18Signed a strategic cooperation agreement with Shanghai Electric Group to provide comprehensive financial services including supply chain, investment, and cross-border trade.与上海电气集团签署战略合作协议，提供供应链、投融资、跨境贸易等综合金融服务。
2024-05-22CITIC Bank signed a strategic cooperation agreement with Shanghai Data Exchange to collaborate on data asset financial innovation, including data application, risk control, investment, and securitization.中信银行与上海数据交易所签署战略合作协议，在数据应用、数据风控、数据资产投融资、数据资产证券化等方面开展合作。
2024-06-05CITIC Bank Shanghai Branch and CITIC Securities Shanghai Branch signed a comprehensive cooperation agreement with Neta Auto (Hozon New Energy Automobile Co., Ltd.) covering supply chain financing, investment and wealth management, and international settlement.中信银行上海分行、中信证券上海分公司与哪吒汽车（合众新能源汽车股份有限公司）签署全面合作协议，涵盖供应链融资、投资理财、国际结算等。
2024-07-11CITIC Bank signs a strategic cooperation agreement with Shougang Group to broaden cooperation in banking and enterprise sectors.中信银行与首钢集团签署战略合作协议，拓宽银企合作领域。
2024-07-30CITIC Bank Wenzhou Branch signs a strategic cooperation agreement with Wenzhou Daluoshan Fund Village to collaborate on fund custody and other financial services.中信银行温州分行与温州市大罗山基金村签署战略合作协议，开展基金托管等多层次合作。
2024-09-14CITIC Bank signed a new strategic cooperation agreement with China National Nuclear Corporation (CNNC) to deepen cooperation in key areas.中信银行与中核集团签署新一轮战略合作协议，就进一步加强重点领域合作达成共识。
2024-11-06CITIC Bank signed a strategic cooperation agreement with CRRC Corporation Limited.中信银行与中国中车签署战略合作协议。
2024-11-20CITIC Bank Beijing Branch signed a comprehensive strategic cooperation agreement with Agricultural Development Bank of China Beijing Branch.中信银行北京分行与中国农业发展银行北京市分行签订全面战略合作协议。
2024-12-17CITIC Bank signed a new five-year strategic cooperation agreement with the China National Committee on Aging (中国老龄协会) in Beijing, focusing on aging education, elderly research, 'Silver Age Action', and elderly education support.中信银行与中国老龄协会在北京签署新一轮五年战略合作协议，重点围绕人口老龄化国情教育、老年人专项调查、“银龄行动”、老年教育等开展合作。
2024-12-18China National Tobacco Corporation (中国烟草总公司) and CITIC Bank signed a strategic cooperation agreement in Beijing, with top executives from both sides attending.中国烟草总公司与中信银行在北京签署战略合作协议，双方高层出席签约仪式。
2025-01-15CITIC BANK signed a strategic cooperation agreement with the SME Development Center of MIIT to enhance financing channels and support innovation and transformation of SMEs.中信银行与工业和信息化部中小企业发展促进中心签署总对总战略合作协议，旨在畅通中小企业融资通道、助力创新发展和转型升级。
2025-02-08CITIC Bank signed a strategic cooperation agreement with the SME Development Promotion Center of the Ministry of Industry and Information Technology to support SMEs.中信银行与工业和信息化部中小企业发展促进中心签署总对总战略合作协议，支持中小企业发展。
2025-04-28CITIC Bank signed a strategic cooperation agreement with the National SME Development Fund in Beijing, becoming the first commercial bank to do so.中信银行与国家中小企业发展基金在北京签署战略合作协议，成为首家与该基金战略签约的商业银行。
2025-05-20CITIC BANK signed a strategic cooperation agreement with the National SME Development Fund to collaborate on fund establishment, tech-enterprise services, M&A, and private equity ecosystem building.中信银行与国家中小企业发展基金签署战略合作协议，在母子基金设立、科技企业服务、并购整合等方面深化合作。
2025-08-08CITIC BANK and Export-Import Bank of China hold talks to deepen cooperation in syndicated loans, bond issuance, funds, trade finance, cross-border finance, and free trade accounts.中信银行与进出口银行举行会谈，就深化银团、发债、资金、贸金、跨境金融及自由贸易账户等领域合作展开交流。
2025-08-08CITIC BANK Kunming Branch and Yunnan Communications Investment Group discuss deepening cooperation in key project investment, debt structure optimization, transportation-tourism integration, smart logistics, and low-altitude economy.中信银行昆明分行与云南交投集团座谈，围绕重点项目投资、债务结构优化、交旅融合、智慧物流、低空经济等领域深化合作。
2025-08-18CITIC BANK Guangzhou Branch signs a strategic cooperation agreement with XPENG, granting a RMB 10 billion credit facility to support XPENG's business operations and development.中信银行广州分行与小鹏汽车签订战略合作协议，授予小鹏汽车100亿元人民币授信总量。
2025-08-20CITIC BANK Beijing Branch, Beijing Hyperstrong Technology Co., Ltd., and CITIC Financial Leasing Co., Ltd. sign a tripartite cooperation agreement to collaborate in the 'energy storage + finance' field, covering comprehensive financial services, financial leasing, and credit facilities.中信银行北京分行与北京海博思创科技股份有限公司、中信金融租赁有限公司签订三方合作协议，在“储能+金融”领域展开全面合作。
2025-09-01CITIC Bank Anqing Branch signed a government-bank comprehensive strategic cooperation agreement with the Municipal Industry and Information Technology Bureau, the Municipal Committee of the Chinese People's Political Consultative Conference Economic Committee, and the Municipal Federation of Industry and Commerce, and signed on-site agreements with five enterprises totaling 140 million yuan.中信银行安庆分行与市工信局、市政协经济委、市工商联签署政银全面战略合作协议，并与五家企业现场签约，金额1.4亿元。
2025-09-01CITIC Bank Xinxiang Branch and Henan Xinlianxin Chemical Industry Group Co., Ltd. jointly held a party-building joint learning activity, focusing on technology finance, green finance, and inclusive finance to deepen cooperation in new material R&D, green factory construction, and agricultural industry chain.中信银行新乡分行与河南心连心化学工业集团联合开展党建联学联建活动，围绕科技金融、绿色金融、普惠金融深化合作，涉及新材料研发、绿色工厂建设、农业产业链。
2026-04-30China National Building Material Group (CNBM) and CITIC Bank signed a strategic cooperation agreement in Beijing, focusing on technology innovation, global expansion, green and low-carbon development, and high-end manufacturing.中国建材集团与中信银行在京签署战略合作协议，聚焦科技创新、全球化发展、绿色低碳及高端智造等领域。
2026-05-06China National Building Materials Group and CITIC Bank signed a strategic cooperation agreement in Beijing on April 30, covering capital financing, supply chain support, and industrial upgrading.中国建材集团与中信银行于4月30日在京签署战略合作协议，涵盖资本融通、供应链支撑及产业升级等领域。
Real estate financing coordination mechanism房地产融资协调机制
8 · 2024-02-08 → 2025-03-04
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CITIC Bank implemented the urban real estate financing coordination mechanism, approving and disbursing loans for multiple projects.中信银行落实城市房地产融资协调机制，为多个项目审批并发放贷款。
2024-02-08CITIC BANK held a special meeting to implement the urban real estate financing coordination mechanism, deploying a work plan including a special team, green approval channel, and due diligence exemption rules, and obtaining 872 projects from the coordination mechanism as of Feb 9.中信银行召开落实城市房地产融资协调机制专项会议，部署工作方案，包括成立专项小组、建立审批绿色通道、制定尽职免责细则，截至2月9日共获取协调机制推送项目872个。
2024-02-09CITIC BANK Chongqing Branch approved and disbursed a 4.3 billion yuan operating-property loan for Chongqing Beicheng Tianjie in 10 working days, following the PBOC and NFRA notice on operating-property loan management.中信银行重庆分行仅用10个工作日完成重庆北城天街43亿元经营性物业贷款的审批和放款，落实央行和金融监管总局《关于做好经营性物业贷款管理的通知》。
2024-02-09CITIC BANK Fuzhou Branch approved and disbursed financing for Jinjiang Jiayue 'Qingyun Que' project in 5 working days via the coordination mechanism green channel.中信银行福州分行通过协调机制绿色通道，仅用5个工作日完成晋江嘉玥“青云阙”项目融资审批和落地。
2024-03-22CITIC Bank Vice President Hu Gang stated that the peak of real estate risk exposure has passed, and the bank will fully implement the real estate financing coordination mechanism.中信银行副行长胡罡表示房地产风险暴露高峰期已过，将全面落实房地产融资协调机制。
2024-04-25Under the real estate financing coordination mechanism, approved 7.325 billion yuan for 24 projects in 17 cities, with 3.091 billion yuan disbursed.房地产融资协调机制下，批复17个城市24个白名单项目73.25亿元，放款30.91亿元。
2024-05-16CITIC Bank approved RMB 7.325 billion and disbursed RMB 3.091 billion for 24 projects on the first white-list of the real estate financing coordination mechanism across 17 cities.中信银行在全国17个城市通过房地产融资协调机制第一批白名单项目24个，批复金额73.25亿元，放款金额30.91亿元。
2025-02-28CITIC Bank Ordos branch disbursed the first real estate coordination mechanism development loan of RMB 40 million among joint-stock banks in Ordos, supporting a 10-building residential project benefiting over 740 households.中信银行鄂尔多斯分行投放鄂尔多斯股份制商业银行首笔房地产融资协调机制开发贷款4000万元，支持10栋楼宇项目，惠及740余户。
2025-03-04Hohhot Branch completed the first 40 million yuan disbursement under the real estate financing coordination mechanism white-list project.呼和浩特分行完成首笔4000万元房地产融资协调机制白名单项目投放。
Credit & Loan Products信贷与贷款产品
39 · 2024-02-15 → 2026-04-29
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New loan products, credit lines, and financing solutions for various sectors including SMEs and agriculture.面向中小企业、农业等各领域的新贷款产品、授信额度及融资方案。
2024-02-15CITIC BANK granted a 400 million HKD revolving loan facility to Shun Tak CMT (信德中旅), guaranteed by Shun Tak Holdings and Hong Kong CTS, at HIBOR+1.0% for one year.中信银行向信德中旅授出4亿港元循环贷款融资，由信德集团和香港中旅担保，利率为香港银行同业拆息加1.0%，期限一年。
2024-02-21CITIC BANK signed an asset pool business agreement with Lingyi iTech (领益智造) subsidiary, providing a total asset pool special credit line of up to 500 million yuan for Lingyi iTech and its subsidiaries.中信银行与领益智造子公司签订资产池业务合作协议，为领益智造及部分子公司提供总额不超过5亿元的资产池专项额度授信。
2024-02-22CITIC BANK Shaoxing Branch completed its first second-hand housing 'mortgage-with-transfer' (带押过户) business, enabling seamless transfer of existing mortgage to new buyer.中信银行绍兴分行落地首笔二手房“带押过户”业务，实现原抵押注销和新抵押登记无缝衔接。
2024-02-28CITIC BANK Chifeng Branch completed its first 'Internet + Real Estate Registration' business, enabling online mortgage registration without in-person visits to the registration center.中信银行赤峰分行成功办理首笔“互联网+不动产登记”业务，实现抵押登记全流程网办、不见面审批。
2024-03-01CITIC Bank Baotou Branch issued a total of 10 million yuan in credit insurance financing to Inner Mongolia Hengxin Huihui Industry and Trade Co., Ltd. during the Spring Festival peak season.中信银行包头分行在春节销售旺季累计为内蒙古恒信通惠工贸股份有限公司发放信保融资贷款1000万元。
2024-03-02CITIC Bank Suzhou Branch landed the first platform-mode 'Government Procurement e-Loan' in the urban area, providing 5 million yuan in pure credit financing to a winning SME supplier.中信银行苏州分行落地市区首笔平台模式“政采e贷”业务，为某新中标小微企业供应商提供融资500万元。
2024-03-14CITIC Bank Nanning Branch disbursed 5 million yuan in 'Huawei Dealer e-Loan' to a Guangxi Huawei dealer.中信银行南宁分行向广西某华为经销商发放500万元“华为经销e贷”。
2024-03-18CITIC Bank issued a 3.61 million yuan order financing loan to a supplier of CRRC Corporation in 16 minutes via a fully online process at the CRRC supply chain digital conference.中信银行在中国中车产业链资金链数字融通大会上，16分钟内全线上向中车供应商发放361万元订单融资款。
2024-07-26CITIC Bank Baotou Branch lands the first 'Xiaomi Dealer e-Loan' business in Inner Mongolia, granting a RMB 5 million working capital loan to a Xiaomi dealer.中信银行包头分行落地内蒙古辖内首笔“小米经销e贷”业务，为小米经销商客户提供500万元流动资金贷款授信。
2024-09-30CITIC Bank's 'Nongdai' (Farmer Loan) product, developed with Beidahuang Group, approved over 700 million yuan in credit to more than 2,300 farmers within four months of launch, with cumulative disbursement of 398 million yuan.中信银行与北大荒集团合作创设的“粮农贷”产品，推出不到4个月授信批复金额逾7亿元，累计授信粮户2300余户，累计放款3.98亿元。
2024-11-20CITIC Bank provided first batch of loans (10 million yuan) to two Shenzhen SMEs using the National SME Cash Flow Credit Information Sharing Platform.中信银行应用全国中小微企业资金流信用信息共享平台向深圳两家小微企业提供首批贷款1000万元。
2025-01-23CITIC BANK Shaoxing Branch issued RMB 1.026 bln housing rental group purchase loan to a Keqiao talent services company to acquire existing homes for rental housing, supporting the rental market.中信银行绍兴分行为柯桥区某人才服务公司发放10.26亿元住房租赁团体购房贷款，用于收购存量住宅用作保障性租赁住房。
2025-02-28CITIC Bank Hohhot branch completed its first 'gold leasing + forward' business, providing RMB 136 million in financing support to an enterprise.中信银行呼和浩特分行落地首笔“黄金租借+远期”业务，为企业提供1.36亿元融资支持。
2025-03-01Suzhou Branch completed the first central fiscal equipment-update loan interest subsidy, transferring funds to Jiangsu Gutian Automation Co., Ltd., with a 1.5 percentage point subsidy.苏州分行完成首笔中央财政设备更新贷款财政贴息，资金转至江苏古田自动化股份有限公司，贴息1.5个百分点。
2025-04-07CITIC Bank Hohhot Branch granted a 12 million yuan working capital loan to a national-level specialized and new 'Little Giant' enterprise in ultra-high purity graphite materials.中信银行呼和浩特分行为一家国家级专精特新‘小巨人’超高纯石墨材料企业发放流动资金贷款1200万元。
2025-04-09CITIC Bank Dalian Branch issued a 45 million yuan, 3-year stock pledge loan to Sinocatalyst Group, the first such loan for a private enterprise in Northeast China.中信银行大连分行为中触媒集团发放三年期4500万元股票增持贷款，为东北区域首单民营企业股票增持专项贷款。
2025-04-15CITIC Bank Taizhou Branch granted a 200 million yuan credit line to Huahai Pharmaceutical's overseas subsidiary Shouke Health Company, with its first domestic NRA account opened.中信银行台州分行为华海药业境外子公司寿科健康公司授信2亿元，首个国内NRA帐户落户该行。
2025-05-20CITIC BANK Taizhou branch completed its first 'Cross-border Flash Loan' (跨境闪贷), providing a RMB 3.33 million unsecured credit line to an export firm using the SAFE cross-border finance platform.中信银行台州分行落地首单“跨境闪贷”，为出口企业提供333万元纯信用授信，依托外管局跨境金融服务平台。
2025-05-20CITIC BANK Chifeng branch approved a RMB 100 million fixed-asset loan to a textile firm, with first disbursement of RMB 3.16 million, for a digital R&D construction project.中信银行赤峰分行为某纺织企业批复1亿元固定资产贷款，首笔发放316万元，用于数字化研发建设项目。
2025-05-22CITIC BANK Jinhua branch provided a RMB 160 million credit facility (including RMB 80 million new fixed-asset loan) to Taichen Group for a 2-million-unit non-stick pan production line project amid US tariff challenges.中信银行金华分行为泰辰集团提供1.6亿元授信（含新增8000万元固贷），支持年产200万只不粘锅生产线项目。
2025-07-01CITIC Bank Nanning Branch provided a 9.4 million yuan inclusive loan to Guilin Zhishen Information Technology via the 'Xin e Lian' supply chain finance platform, and a 20 million yuan working capital loan to the company.中信银行南宁分行通过“信e链”供应链金融平台向桂林智神信息技术提供940万元普惠贷款，并向该公司提供2000万元流贷。
2025-07-01CITIC Bank Taizhou Branch issued its first inter-branch cross-location joint fixed loan of 240 million yuan to an environmental technology company, using remote equipment as collateral via the central bank's movable property registration system.中信银行台州分行向某环保科技公司发放行内首笔异地联合固定贷款2.4亿元，通过央行动产融资统一登记系统以异地设备为抵押。
2025-07-01CITIC Bank Chuzhou Branch, via a syndicated loan with CCB, provided 820 million yuan project loan to Ruida New Energy Materials for factory construction.中信银行滁州分行联合建行通过银团贷款向瑞达新能源材料提供8.2亿元项目贷，用于厂房自建。
2025-07-18CITIC Bank Xiong'an Branch landed the industry's first pure online digital RMB government procurement loan ('Digital RMB Government Procurement e-Loan'), using blockchain and digital RMB.中信银行雄安分行落地行业首笔纯线上化数字人民币政府采购贷款（“数币政采e贷”），运用区块链和数字人民币技术。
2025-07-25CITIC Bank Qujing Branch granted a 200 million yuan credit facility to Luoping Zinc & Electricity, secured by self-owned funds and asset pool pledge, for one year.中信银行曲靖分行向罗平锌电授信2亿元，由自有资金质押和单一资产池质押担保，期限一年。
2025-08-28CITIC BANK Ordos Branch grants its first inclusive loan using a patent as collateral, a RMB 10 million loan to a new materials company, marking a breakthrough in IP financing for sci-tech enterprises.中信银行鄂尔多斯分行发放首笔以专利权为质押物的普惠型贷款1000万元，在知识产权融资领域取得突破。
2025-11-21CITIC Bank Ordos Branch disbursed the first tranche of 6.4 million yuan via syndicated loan + intra-bank joint loan for a 10,000-ton silicon-carbon anode material project in Jungar Banner.中信银行鄂尔多斯分行通过银团贷款+行内联合贷款方式，为准格尔旗万吨级硅碳负极材料项目投放首笔信贷资金640万元。
2025-12-01CITIC Bank Hohhot branch successfully disbursed over 30 million RMB in technical transformation and equipment renewal reloans to support a local cashmere enterprise's smart production line upgrade.中信银行呼和浩特分行成功落地3000余万元技术改造与设备更新再贷款，支持某羊绒企业生产线智能化改造。
2025-12-05CITIC Bank Ordos branch disbursed 324 million RMB in project loans to a new energy company for a 300MW/1200MWh independent energy storage station using lithium iron phosphate and vanadium redox flow batteries.中信银行鄂尔多斯分行为某新能源科技公司投放3.24亿元项目贷款，用于建设300MW/1200MWh独立储能电站，采用磷酸铁锂+全钒液流储能系统。
2025-12-18CITIC Bank Ordos branch disbursed 574 million RMB in 'Xinmiaodai' personal online credit loans in 2025, with a maximum quota of 700,000 RMB and a minimum rate of 3.0%.中信银行鄂尔多斯分行2025年累计发放“信秒贷”5.74亿元，额度最高70万元，利率低至3.0%。
2026-01-06Launched the first live livestock mortgage financing business of 8 million yuan, following the three-ministry notice on promoting agricultural facility and livestock mortgage financing.响应三部委关于推广农业设施和畜禽活体抵押融资的通知，成功落地首笔活体畜禽抵押融资业务800万元。
2026-01-08Chifeng branch completed a 250 million yuan stock pledge financing renewal for a local mining enterprise's actual controller.中信银行赤峰分行为辖区某矿业企业实控人完成股票质押融资续贷2.5亿元。
2026-01-20Baotou branch issued 80 million yuan in 'technology finance' working capital loans to three enterprises in new materials, advanced manufacturing, and modern food processing.中信银行包头分行为新材料、先进制造、现代食品加工行业的三户企业发放8000万元“科技金融”流动资金贷款。
2026-01-27Hefei branch provided 50 million yuan in special credit support for the 'Tongcheng Liuxiang Scenic Area 4A Creation and Upgrade Project'.中信银行合肥分行5000万元专项授信支持“桐城市六尺巷景区4A创建提升项目”。
2026-02-26CITIC Bank Beijing Branch provided 10 million yuan in financing to Dingchi Biotechnology, a biopharmaceutical upstream consumables and innovative animal protection firm, via a fast-track approval channel.中信银行北京分行通过快速审批通道为生物制药上游核心耗材与创新动保企业鼎持生物提供1000万元关键融资支持。
2026-03-13CITIC Bank Baotou Branch issued a domestic letter of credit for a core enterprise and facilitated a forfaiting business of RMB 20 million for two upstream SMEs.中信银行包头分行为核心企业开立国内信用证，并为两户上游中小微企业办理福费廷业务2000万元。
2026-03-13CITIC Bank Hohhot Branch provided a total of RMB 11.95 million in guarantees for 45 travel agencies and disbursed inclusive loans to one travel agency as of March 2026.截至2026年3月，中信银行呼和浩特分行已为45家旅行社开立保函，累计金额1195万元，并为1家旅行社办理普惠贷款。
2026-04-28CITIC Bank Beijing Branch disbursed a RMB 100 million special loan to a professional housing operator to support the construction and operation of government-subsidized rental housing.中信银行北京分行为某专业住房运营主体投放1亿元专项贷款，支持保障性租赁住房项目建设与运营。
2026-04-29CITIC Bank Changsha Branch provided RMB 200 million in project financing to a local beverage brand for its first self-built factory, supporting intelligent and green manufacturing.中信银行长沙分行为湖南本土新锐饮料品牌首个自建工厂提供2亿元项目融资支持，助力智能化、绿色化制造。
Strategic Partnerships & MoUs战略合作与谅解备忘录
18 · 2024-02-19 → 2026-06-05
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Memorandums of understanding and strategic agreements with government, enterprises, and institutions.与政府、企业及机构签署的谅解备忘录和战略协议。
2024-02-19CITIC BANK Beijing Branch held a sci-tech finance forum with Beijing Equity Exchange (北京股权交易中心) and signed strategic cooperation agreements with eight specialized and new (专精特新) enterprises.中信银行北京分行联合北京股权交易中心举办科技金融合作论坛，与八家专精特新企业签署银企战略合作协议。
2024-03-14CITIC Bank and the China Research Center on Aging jointly released the 'Handbook for Preventing Financial Risks for Elderly Consumers'.中信银行联合中国老龄科学研究中心发布《老年金融消费者风险防范手册》。
2024-07-26CITIC Bank Nanjing Lishui Branch signs an agreement to establish the Nanjing Lishui CNC Machine Tool Functional Parts Industry Cluster Alliance with 7 other entities.中信银行南京溧水支行与8家单位签约成立南京溧水数控机床功能部件产业集群联盟。
2024-08-07CITIC Bank Chairman Fang Heying led a delegation to visit Moutai Group and held talks with Chairman Zhang Deqin on deepening cooperation.中信银行董事长方合英率队到访茅台集团，与董事长张德芹举行座谈，就深化合作进行沟通交流。
2025-03-13Jointly launched the first systematic elderly financial video courses with China Association of the Universities for the Aged and Central University of Finance and Economics.联合中国老年大学协会、中央财经大学推出国内首批系统性老年金融视频课程。
2025-04-23CITIC Bank and Huailing Press jointly launched the 'Silver Age Leading Reader' program, setting up 'Happy Reading Bookshelves' in 50 senior-friendly branches across 40+ cities.中信银行与华龄出版社共同启动银龄‘领读者’计划，在全国40余城市50家‘幸福+’老年特色网点设立‘乐龄书架’。
2025-07-17CITIC Bank Chengdu分行行长助理 Ge Jun met with Luzhou Laojiao Group Vice President Li Shubo to discuss deepening cooperation in finance, trade, and food sectors.中信银行成都分行行长助理葛军与泸州老窖集团副总裁李蜀博座谈，探讨在金融、贸易、食品等领域深化合作。
2025-09-01CITIC Bank Lu'an Branch signed bank-enterprise cooperation agreements with Hanhai New Materials and Hengnuo Electromechanical at a special matchmaking meeting for specialized and new enterprises, with nearly 70 industrial enterprises above designated size attending.中信银行六安分行在专精特新企业专项对接会上与瀚海新材料、恒诺机电签订银企合作协议，近70家规上工业企业参会。
2025-09-01CITIC Bank Shaoxing Branch and CITIC Securities Shaoxing Branch held a joint coordination meeting to upgrade silver-security cooperation from 'formal coordination' to 'value coordination', focusing on customer service, business linkage, and resource sharing.中信银行绍兴分行与中信证券绍兴分公司召开协同工作会议，推动银证合作从“形式协同”向“价值协同”升级，聚焦客群服务、业务联动、资源共享。
2025-09-04CITIC Bank Ma'anshan Branch held a cross-border enterprise financial lecture with the Ma'anshan International Chamber of Commerce, promoting products including export-oriented scorecard, cross-border flash loan, asset pool, and the 'Xiaotianyuan' platform to over 60 private enterprises.中信银行马鞍山分行联合马鞍山市国际商会举办跨境企业金融讲座，向60多家民营企业推介外向型积分卡、跨境闪贷、资产池及“小天元”平台。
2025-09-04CITIC Bank Hengyang Branch held a 'Family Business Evergreen' wealth inheritance seminar with CITIC Securities, introducing private banking services, family trusts, and asset isolation strategies for high-net-worth clients.中信银行衡阳分行联合中信建投证券举办“家业长青”财富传承分享会，为高净值客户介绍私行服务、家族信托及家企资产隔离策略。
2025-09-09CITIC Bank Shangqiu Branch and Shangqiu Science and Technology Bureau held a government-bank-enterprise matchmaking meeting for high-quality development, with the branch having provided 65 billion yuan in financing to local enterprises since its establishment in 2016.中信银行商丘分行与商丘市科学技术局举办政银企对接会，该行自2016年成立以来已累计为本地企业提供融资650亿元。
2025-11-07CITIC Bank Beijing Branch became the first 'Financial Services Cluster' lead unit in Donghu Street, Chaoyang District, signing a credit cooperation agreement with Beijing Shuyan Technology Co., Ltd.中信银行北京分行成为朝阳区东湖街道首个“金融服务矩阵”团长单位，与北京数衍科技有限公司签署授信合作协议。
2025-11-07CITIC Bank Shanghai Branch signed a high-value customer strategic cooperation agreement with Shanghai Micurx Pharmaceutical Co., Ltd. (盟科药业, 688373.SH).中信银行上海分行与上海盟科药业股份有限公司（688373.SH）举行高价值客户签约仪式，深化战略合作。
2025-11-14CITIC Bank and Lingjiang Decoration (领匠装饰) jointly launched a 'decoration fund custody service' in Changzhou, Wuxi, and Nantong.中信银行与领匠装饰联合推出“装修资金存管服务”，在常州、无锡、南通上线。
2025-12-25The Ministry of Commerce signed a memorandum of cooperation with CITIC Bank to establish a long-term 'bank-trade' partnership focusing on boosting consumption, stabilizing foreign trade, and expanding high-level opening-up.商务部办公厅与中信银行签署合作备忘录，探索构建长期、稳定的“银贸”合作关系，围绕提振消费、稳定外贸等领域合作。
2026-05-29China Overseas Land & Investment signed a mortgage loan framework agreement with CITIC Bank Group, with a total estimated loan amount of approximately RMB 13.9 billion from July 1, 2026 to June 30, 2029, covering operating, development, project, and M&A loans.中国海外发展与中信银行集团签订抵押贷款框架协议，预计总贷款额约139亿元人民币，有效期2026年7月1日至2029年6月30日，涵盖经营贷、开发贷、项目贷及并购贷。
2026-06-05CITIC BANK holds 'Entering Jiuquan · Dreaming of Space' commercial aerospace industry-finance synergy forum, reaching cooperation intent on three projects including Gansu Changfeng Electronics loan.中信银行联合酒泉市政府举办“走进酒泉·逐梦航天”商业航天产融协同发展论坛，达成甘肃长风电子科技贷款等三个项目合作意向。
Digital & IT Infrastructure Upgrades数字化与IT基础设施升级
15 · 2024-02-20 → 2026-05-27
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System upgrades, platform migrations, and IT procurement projects to enhance digital infrastructure.系统升级、平台迁移及IT采购项目，旨在增强数字基础设施。
2024-02-20CITIC BANK announced a planned upgrade of its SMS platform infrastructure on Feb 25, 00:00-05:00; during the upgrade, SMS from 95558 will be sent from 1068/1069 numbers, with transaction alerts and verification codes unaffected.中信银行计划于2024年2月25日00:00-05:00进行短信平台基础设施升级，期间原95558号码发送的短信将由1068和1069开头号码发送，动账通知等不受影响。
2024-04-03Won bids for smart branch equipment projects from GRG Banking, including embedded bases, media delivery boxes, and desktop all-in-ones.中标广电运通智慧网点设备项目，涵盖嵌入式集成底座、介质交付箱、桌面式设备一体机等。
2024-05-08Xinchen Technology disclosed it won the bid for CITIC Bank's general infrastructure integrator procurement project.新晨科技披露中标中信银行通用基础设施集成商入围采购项目。
2024-06-27Great Wall Information won the bid for CITIC Bank's self-service receipt printer procurement project for the fourth time since 2018.长城信息第四次中标中信银行自助回单机采购项目。
2024-10-06CITIC Bank issued a tender for the 'Galaxy Common Model Marketplace Construction Implementation Service' project, with a winning bid of 2.291 million yuan by YUANDA Information Technology (宇信科技).中信银行发布“银河共性模型集市建设实施服务”项目招标，宇信科技以229.1万元中标。
2024-10-14CITIC Bank plans to form an AIGC large model development team, recruiting experienced AIGC large model R&D professionals.中信银行计划组建AIGC大模型开发团队，招聘有经验的AIGC大模型研发背景人士。
2025-03-18Issued a tender for large-model AI server and network equipment procurement; Beijing Jinxin Runtian Information Technology Co., Ltd. won the bid at 20.8 million yuan.发布大模型信创算力服务器及配套网络设备采购项目招标，北京金信润天信息技术股份有限公司以2080万元中标。
2025-04-02CITIC Bank completed procurement of 26 large-model domestic AI computing servers from Beijing Jinxin Runtian Information Technology Co., Ltd. for 20.8 million yuan.中信银行完成26台大模型信创算力服务器采购，中标方为北京金信润天信息技术股份有限公司，中标价2080万元。
2025-09-02CITIC Bank announced system maintenance on September 12-13 and September 14, 2025, causing temporary interruptions to electronic channels, cross-border payments, ATM, and digital currency services.中信银行公告将于2025年9月12-13日及9月14日进行系统维护，电子渠道、跨境支付、ATM、数字货币等业务将短暂中断。
2025-09-02CITIC Bank announced upgrade of cross-border remittance system on September 5-6, 2025, suspending mobile banking and personal online banking cross-border remittance services.中信银行公告将于2025年9月5-6日升级跨境汇款业务系统，暂停手机银行、个人网银跨境汇款服务。
2025-10-19CITIC Bank announced system upgrade from 20:00 Oct 24 to 22:00 Oct 25, 2025, suspending online financing services including corporate banking, supply chain finance, and auto finance.中信银行公告于2025年10月24日20:00至10月25日22:00进行系统升级，暂停企业网银、供应链金融、汽车金融等线上融资业务。
2025-10-28Beijing Yuxin Technology (300674.SZ) announced winning a 5.2 million yuan procurement project from CITIC Bank for 'Regulatory Yibiao Tong Phase II and Xinchuang transformation implementation services'.北京宇信科技集团股份有限公司公告中标中信银行“监管一表通二期及信创改造实施服务采购项目”，中标金额520万元。
2026-01-26Hundsun Technologies (600570.SH) won a 4.4 million yuan bid for CITIC Bank's securities trading cooperation platform Xinchuang product procurement project.恒生电子中标中信银行证券交易合作平台信创产品采购项目，中标金额440万元。
2026-03-16Beijing Yuzhi Technology Group Co., Ltd. won a bid for CITIC Bank's Huawei GaussDB (DWS) software license procurement project, with a winning bid amount of RMB 6.2466 million.北京宇信科技集团股份有限公司中标中信银行华为GaussDB(DWS)软件许可采购项目，中标金额624.66万元。
2026-05-27CITIC Bank (Hefei) Financial Back-office Service Center's 2# and 6# buildings completed renovation, enhancing the Binhu financial district.中信银行（合肥）金融后台服务中心2#楼、6#楼精装修工程完工，提升滨湖金融带配套水平。
Bond Issuance & Redemption债券发行与赎回
11 · 2024-02-22 → 2026-06-16
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Issuance, redemption, and interest payments of bonds, convertible bonds, and perpetual bonds.债券、可转债及永续债的发行、赎回及付息。
2024-02-22CITIC BANK announced the interest payment for its 40 billion yuan A-share convertible bonds (issued 2019-03-04) at a coupon rate of 3.2% (3.20 yuan per 100 yuan face value), with record date March 1, 2024.中信银行公告其400亿元A股可转债（2019年3月4日发行）将于2024年3月4日付息，票面利率3.2%（每张3.20元），债权登记日为2024年3月1日。
2024-06-18CITIC Bank applied for the listing of a 50 billion USD Medium Term Note (MTN) program on the Hong Kong Stock Exchange, effective June 20, 2024.中信银行50亿美元中期票据计划于2024年6月20日在香港联交所上市生效。
2024-07-02CITIC Bank London Branch issues USD 300 million 3-year floating-rate senior green notes on HKEX, its first offshore green bond and first SOFR-based FRN, with over 7x oversubscription.中信银行伦敦分行在港交所成功发行3亿美元3年期浮动利率高级绿色票据，为首笔境外绿色债券及首笔以SOFR为基准的浮息债，认购超7倍。
2024-07-10CITIC Bank London Branch lists USD 300 million 3-year medium-term notes on HKEX under its USD 5 billion MTN program, maturing in 2027.中信银行伦敦分行在50亿美元中期票据计划下，向港交所提交3亿美元2027年到期中期票据上市申请，并于7月10日完成上市。
2024-10-11CITIC Bank issued 2024 288th interbank CD (USD) with an issuance yield of 4.82%, 6-month term, actual issuance of 50 million USD.中信银行发行2024年第288期美元同业存单，发行收益率4.82%，期限6个月，实际发行量0.5亿美元。
2024-11-19CITIC Bank announced it will exercise the redemption right for the '19 CITIC Bank Perpetual Bond' on Dec 11, 2024, redeeming 40 billion yuan at par.中信银行公告将于2024年12月11日行使“19中信银行永续债”赎回权，赎回面额400亿元。
2024-12-11CITIC Bank fully redeemed its 40 billion yuan perpetual subordinated bonds issued in 2019, exercising the conditional redemption right on the fifth anniversary interest payment date.中信银行全额赎回2019年发行的400亿元无固定期限资本债券，行使第五年付息日有条件赎回权。
2025-07-21CITIC Bank applied for listing of a 5 billion USD medium-term note program on the Hong Kong Stock Exchange, effective July 22, 2025, for professional investors only.中信银行向香港联交所提交50亿美元中期票据计划上市申请，于2025年7月22日生效，仅面向专业投资者。
2025-08-14CITIC BANK fully redeems its RMB 40 billion subordinated tier-2 capital bonds issued in 2020, exercising the call option on 2025-08-14.中信银行全额赎回2020年发行的400亿元二级资本债券，于2025年8月14日行使赎回权。
2026-04-27CITIC Bank fully redeemed its RMB 40 billion perpetual subordinated capital bonds issued in 2021, exercising the call option on the fifth anniversary.中信银行全额赎回2021年发行的400亿元无固定期限资本债券，行使第五年赎回权。
2026-06-16CITIC BANK International (中信银行国际) announces full redemption of USD 600 million 3.25% non-cumulative subordinated AT1 capital securities on July 29, 2026.中信银行国际宣布将于2026年7月29日全额赎回6亿美元、息票率3.25%的非累积次级AT1资本证券。
'Youth See China' series'少年看中国'系列
2 · 2024-02-26 → 2024-02-26
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CITIC Bank launched the 'Youth See China' parent-child customer service product series with Chinese National Geography magazine.中信银行与中国国家地理杂志合作推出'少年看中国'亲子客户服务产品系列。
2024-02-26CITIC BANK and Chinese National Geography magazine launched the 2024 'Youth See China' (少年看中国) series, starting with a Guangzhou event themed 'Towards the Deep Blue', featuring customized science expedition routes.中信银行携手《中国国家地理》杂志启动2024年度“少年看中国”系列主题活动，首站广州以“走向深蓝”为主题，推出定制化科考路线。
2024-02-26CITIC BANK's 'Shao Nian Kan Zhong Guo' (少年看中国) series, a parent-child customer service product, will launch 5 customized regular science expedition routes during holidays.中信银行“少年看中国”亲子客群服务大单品将在五一、十一、寒暑假等时点上线5条定制化、常态化科考路线。
Wealth Product Collaborative Management Platform财富产品协同管理平台
2 · 2024-02-28 → 2024-03-14
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CITIC Bank launched the 'Wealth Product Collaborative Management Platform' using an open-shelf model for digitalized product distribution.中信银行推出'财富产品协同管理平台'，采用开放货架模式实现产品数字化分发。
2024-02-28CITIC BANK officially launched the 'Wealth Product Collaborative Management Platform', using an 'open-shelf' model and star-type open-link to connect with over 100 fund, wealth management, and securities firms for digitalized product distribution.中信银行正式上线“财富产品协同管理平台”，采用“开放式货架”模式和星型开放链接，与百余家基金、理财、证券公司等合作机构实现数字化产品代销对接。
2024-03-14CITIC Bank officially launched the 'Wealth Product Collaborative Management Platform' using an open-shelf model to speed up product listing for wealth management products.中信银行正式上线“财富产品协同管理平台”，采用“开放式货架”模式。
Supply Chain & Trade Finance供应链与贸易金融
10 · 2024-03-01 → 2026-03-27
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Supply chain financing, trade finance, and cross-border payment solutions.供应链融资、贸易金融及跨境支付解决方案。
2024-03-01CITIC Bank officially connected to the China Banking Association 'Bank Letter Blockchain Service Platform' for electronic letter business, supporting Format 2 (fill-in type).中信银行正式接入中国银行业协会“银行函证区块链服务平台”，受理格式二的电子函证业务。
2024-03-18CITIC Bank announced that in 2023 it provided 1.5 trillion yuan in supply chain financing to 38,000 enterprises, serving 26,000 small and micro enterprises and 30,000 private enterprises.中信银行披露2023年累计为3.8万家企业提供1.5万亿元供应链融资，服务小微企业2.6万家、民营企业3万家。
2024-05-29CITIC Bank provided RMB 90 million in port trade financing and RMB 120 million in cross-border RMB business to a foreign trade enterprise at Ceke Port, Inner Mongolia.中信银行鄂尔多斯分行为策克口岸外贸企业提供9000万元口岸贸易融资及1.2亿元跨境人民币业务。
2025-01-08CITIC BANK Nanning Branch executed the bank's first ASEAN small-currency Indonesian Rupiah capital outbound remittance for a Guangxi company's direct investment in Indonesia, under the LCS framework.中信银行南宁分行为广西某公司办理全行首笔东盟小币种印尼卢比资本金汇出业务，用于对印尼直接投资，基于LCS框架。
2025-04-15CITIC Bank Nanning Branch completed the first full-process electronic bill of lading transaction via TradeGo platform for a Guangxi state-owned trade enterprise, issuing a sight L/C.中信银行南宁分行通过TradeGo平台为广西某国贸企业完成首笔全流程电子提单信用证业务。
2025-08-08CITIC BANK Hohhot Branch successfully completes its first NRA account international letter of credit forfaiting business, a new breakthrough in cross-border finance.中信银行呼和浩特分行成功落地首笔境外企业NRA账户国际证福费廷业务，实现跨境金融领域新突破。
2025-08-12CITIC BANK Nanning Branch completes its first 'Port-Aviation-Finance' (Ganghangrong) scenario freight financing business, a digital cross-border finance innovation for the ASEAN-facing financial opening-up.中信银行南宁分行办理首笔“港航融”场景运费融资业务，这是面向东盟金融开放门户的数字化跨境金融创新。
2025-10-11CITIC Bank Ordos branch issued 52 million yuan import prepayment loan and handled 268 million yuan cross-border RMB business for a Mongolia coal importer, supporting Belt and Road.中信银行鄂尔多斯分行为蒙古煤炭进口企业发放进口预付款贷款5200万元，办理跨境人民币业务2.68亿元，支持“一带一路”。
2025-11-06CITIC Bank Xinxiang Branch successfully opened an NRA account for the Hong Kong subsidiary of a large group, supporting the enterprise's international business layout.中信银行新乡分行成功为某大型集团香港子公司开立NRA账户，支持企业国际化业务布局。
2026-03-27CITIC Bank Dalian Branch successfully executed the bank's first-ever commodity forward business for clients, leveraging the CITIC Group's full financial license advantages.中信银行大连分行成功落地中信银行首笔代客大宗商品远期业务，发挥中信集团金融全牌照优势。
'Latte Plan' automated wealth management'拿铁计划'自动理财
1 · 2024-03-08
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CITIC Bank launched the 'Latte Plan' automated wealth management investment function for young customers.中信银行面向年轻客户推出'拿铁计划'自动理财投资功能。
2024-03-08CITIC Bank launched the 'Latte Plan' (拿铁计划) automated wealth management investment function for young customers to encourage saving.中信银行上线“拿铁计划”理财定投功能，帮助年轻客群养成攒钱习惯。
Payment services optimization for foreigners and elderly外籍与老年客户支付服务优化
6 · 2024-03-08 → 2025-07-11
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CITIC Bank established a task force and formulated measures to optimize payment services for foreigners and the elderly.中信银行成立专项工作组并制定措施，优化外籍与老年客户支付服务。
2024-03-08CITIC Bank established a special task force and formulated 24 measures across 8 areas to optimize payment services for foreigners and the elderly, aiming for three 'full coverages' (foreign currency exchange, foreign card ATM withdrawal, merchant foreign card acceptance).中信银行成立专项工作组，制定8个领域24项措施，力争实现外币兑入、外卡取现、外卡受理三项“全覆盖”，优化外籍来华人员和老年人支付服务。
2024-04-07Held talks with China UnionPay to optimize payment services, promote the 'Splendid Action 2024', and improve card acceptance and elderly-friendly services.与中国银联举行会谈，优化支付服务，推动“锦绣行动2024”，改善用卡环境和适老化金融服务。
2024-04-17Partnered with China UnionPay to batch activate foreign card POS services at 6,054 McDonald's stores nationwide starting April 13.与中国银联合作为全国6054家麦当劳门店批量开通外卡POS服务，4月13日起生效。
2024-05-09CITIC Bank and China UnionPay jointly enabled foreign card POS services at all 6,054 McDonald's outlets nationwide, starting April 13.中信银行与中国银联合作为麦当劳全国6054家门店批量开通外卡POS服务，自4月13日起生效。
2024-09-13CITIC Bank enabled contactless foreign card (Mastercard, Visa) tap-to-ride across all 27 lines and 490 stations of Beijing's subway network, making Beijing the first mainland Chinese city to offer this service.中信银行助力北京轨道交通实现全市27条运营线路、490座车站全网支持境外万事达卡、维萨卡拍卡过闸，北京成为中国内地首个实现此服务的城市。
2025-07-11CITIC Bank, together with UnionPay Business, enabled Beijing subway to support JCB and American Express cards for tap-and-go, making Beijing the first city globally to cover all five major card networks (UnionPay, Mastercard, Visa, JCB, Amex) in its metro system.中信银行联合银联商务为北京地铁新增支持JCB和美国运通卡拍卡过闸，北京成为全球首个城市轨道交通全覆盖五大卡组织的城市。
Gold Accumulation Plan adjustment积存金业务调整
7 · 2024-03-13 → 2026-03-10
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CITIC Bank adjusted the subscription fee and minimum investment amount for its Gold Accumulation Plan.中信银行调整了积存金业务的认购费率和最低投资金额。
2024-03-13CITIC Bank adjusted the subscription fee for its Gold Accumulation Plan (积存金) from 0.3% to 0.6%, and raised the minimum fixed-amount investment from 500 yuan to 1,000 yuan, effective March 18.中信银行自3月18日起将积存金申购手续费率从0.3%调整为0.6%，定期积存最低金额从500元调整为1000元。
2025-01-16CITIC BANK announced adjustment of personal accumulated gold deposit interest rates effective Feb 15, 2025: 1-month from 0.48% to 0.25%, 3-month from 0.87% to 0.40%, 6-month from 1.18% to 0.60%, 1-year from 1.38% to 1.00%.中信银行公告自2025年2月15日起调整个人积存金定/活期利率：一个月从0.48%降至0.25%，三个月从0.87%降至0.40%，六个月从1.18%降至0.60%，一年期从1.38%降至1.00%。
2025-06-18CITIC Bank announced that from June 28, 2025, the risk assessment level for personal gold accumulation business will be raised to C3 (balanced) or above for new subscriptions and plan modifications.中信银行宣布自2025年6月28日起，个人积存金业务新签约及定投计划修改需满足客户风险测评C3（平衡型）及以上。
2025-07-28CITIC Bank adjusted its accumulated gold business trading hours from July 30, extending to 09:00-23:30 on Shanghai Gold Exchange trading days.中信银行自7月30日起调整积存金业务交易时间至上海黄金交易所交易日09:00-23:30。
2025-11-11CITIC Bank announced that from November 15, 2025, the minimum fixed-amount investment for the accumulated gold regular accumulation plan will be raised from 1,000 yuan to 1,500 yuan.中信银行公告，自2025年11月15日起，积存金定期积存计划定时定额最低定投金额从1000元调整为1500元。
2025-12-21CITIC Bank updated the interest rates for its personal accumulated gold deposit products (demand and time deposits), effective December 21, 2025.中信银行对个人积存金定/活期年化利率进行更新，自2025年12月21日起生效。
2026-03-10CITIC Bank adjusted the trading hours for its accumulated gold business from 09:00-23:30 to 09:00-02:00 (next day) on Shanghai Gold Exchange trading days, effective March 16, 2026.中信银行调整积存金业务交易时间，自2026年3月16日起，由上海黄金交易所交易日的09:00-23:30调整为09:00-次日02:00。
'Lingqian+' and 'Huoqian+' service upgrades'零钱+'与'活钱+'服务升级
3 · 2024-03-14 → 2024-04-15
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CITIC Bank upgraded, suspended new sign-ups, and adjusted product limits for its 'Lingqian+' and 'Huoqian+' services.中信银行对'零钱+'和'活钱+'服务进行了升级、暂停新签及调整产品限额。
2024-03-14CITIC Bank upgraded its 'Lingqian+' and 'Huoqian+' services, adding daily quick redemption limit display and underlying product yield range, and batch cancellation for Huoqian+ ordinary redemption.中信银行对“零钱+”、“活钱+”服务进行升级，新增快赎额度展示、收益率范围及批量撤销功能。
2024-03-25CITIC Bank suspended new customer sign-up for its 'Lingqian+' and 'Huoqian+' services starting March 25 for service upgrades; existing users are unaffected.中信银行自3月25日起暂停向新客户提供“零钱+”、“活钱+”服务，进行服务改造。
2024-04-15Adjusted 'Lingqian+' and 'Huoqian+' product limits: single purchase cap set at 300,000 yuan and 700,000 yuan respectively.调整“零钱+”和“活钱+”业务规则，单笔申购上限分别设为30万元和70万元。
International & Cross-Border Business国际与跨境业务
20 · 2024-03-18 → 2026-04-15
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Cross-border financial services, foreign exchange, and international business expansion.跨境金融服务、外汇及国际业务拓展。
2024-03-18A temporary UK visa service center opened at CITIC Bank Chengdu Jinxiu Sub-branch, operated by VFS Global.英国签证临时服务中心（成都）在中信银行成都锦绣支行正式揭牌。
2024-05-06CITIC Bank successfully opened Multi-function Free Trade Accounts (EF accounts) for multiple corporate clients on the first effective day of Hainan Free Trade Port and Hengqin policies, completing full-process operations in 30 minutes.中信银行在海南自贸港和横琴粤澳深度合作区多功能自由贸易账户（EF账户）政策生效首日，成功为多家企业客户开立账户并完成全流程业务操作，仅用半小时。
2024-05-10CITIC Bank held the 'Luyue ASEAN, Tongxin Qihang' ASEAN regional international financial services exchange in Xiamen, the first event after the 'CITIC Foreign Exchange+' launch.中信银行在厦门举办“鹭约东盟 同信启航”东盟区域国际金融服务交流会，为“信外汇+”发布后首场系列活动。
2024-06-13CITIC Bank held the 'Free Trade Global, Trust the World' strategic client forum in Haikou, jointly with Hainan International Economic Development Bureau, to serve Chinese enterprises going global and support the Hainan Free Trade Port.中信银行联合海南国际经济发展局在海口举办'自贸全球 有信天下'战略客户高端论坛，服务中资企业'走出去'，支持海南自贸港建设。
2024-06-21CITIC Bank London Branch celebrated its 5th anniversary; cumulative issuance of offshore RMB certificates of deposit exceeded 30 billion RMB.中信银行伦敦分行成立五周年，累计发行离岸人民币同业存单金额超300亿元人民币。
2024-07-15CITIC Bank Changsha Branch lands the custody business for Hunan's first QFLP (Qualified Foreign Limited Partner) pilot fund, a RMB 10 billion equity partnership investing in high-tech industries.中信银行长沙分行落地湖南省首个QFLP（合格境外有限合伙人）试点基金托管业务，基金注册资本10亿元，投向高新技术产业。
2024-09-10CITIC Bank held the 'Free Trade Global, Trust the World' forum in Horgos, Xinjiang, to support Belt and Road Initiative and the Xinjiang Pilot Free Trade Zone, with over 30 'going global' state-owned and private enterprises attending.中信银行在霍尔果斯举办“自贸全球 有信天下”论坛，支持“一带一路”建设和新疆自贸试验区，全国30多家“走出去”国有及民营龙头企业代表参加。
2024-09-10CITIC Bank officially released the '2024 Study Abroad Blue Book', its eighth consecutive edition, adding analysis of popular majors and dual-application pathways for Gaokao students.中信银行正式发布《2024出国留学蓝皮书》，连续第八年出版，新增热门专业分析及高考体系学生双申请路径内容。
2024-09-13CITIC Bank Beijing Branch, as lead arranger, successfully closed an 8.97 billion yuan syndicated M&A loan for Unisplendour's acquisition of H3C, the first FT account cross-border syndicated loan involving a free trade zone branch.中信银行北京分行作为银团牵头行成功落地紫光股份89.7亿元并购银团贷款，用于收购新华三，为分行首笔自贸区分行联动的FT账户下跨境并购银团贷款。
2024-10-14CITIC Bank Beijing Branch, Altyn Bank, and Uzbek Hydro Energy signed a loan agreement for the Andijan Canal Kugai, Kugai-2, and Beshkurgan hydropower station projects in Uzbekistan.中信银行北京分行、阿尔金银行与乌兹别克斯坦水利能源公司签署乌兹纳曼干州安集延大运河库盖伊等水电站项目贷款协议。
2025-01-09CITIC BANK Changchun Branch completed Jilin province's first forex derivatives registration under the cross-border finance platform 'Enterprise FX Risk Management Service' scenario, for a service trade enterprise's forward settlement.中信银行长春分行依托跨境金融服务平台“企业汇率风险管理服务”场景，为吉林省某服务贸易企业办理远期结汇，实现该场景下全省首笔外汇衍生品登记业务落地。
2025-06-17CITIC Bank Beijing Branch participated as a core member of the syndicated loan for the Iraq DCCP cement plant, a 'Belt and Road' project.中信银行北京分行作为银团核心成员参与伊拉克DCCP水泥厂项目融资，该项目为“一带一路”标杆项目。
2025-07-18CITIC Bank Jinan Branch, in partnership with VFS Global, held the first 'UK On Your Doorstep' visa event in Dongying, allowing 22 residents to complete fingerprinting locally.中信银行济南分行联合英国签证中心在东营举办首场“英国如意签”活动，22位市民在当地完成指纹采集。
2025-07-25CITIC Bank Hohhot Branch completed an 83.2 million USD outward direct investment (ODI) business for a key enterprise.中信银行呼和浩特分行为某重点企业完成一笔8320万美元境外直接投资业务。
2025-07-29CITIC Bank Beijing Branch partnered with Spain National Tourism Board and BLS International to launch a Spain visa fast-track service, including official authorized on-site service for the first time.中信银行北京分行联合西班牙国家旅游局、BLS International推出西班牙签证便捷通道服务，首次实现官方授权上门服务。
2025-10-20CITIC Bank Beijing branch launched IoT passport management system using RFID and MQTT for automated passport check-in/out, improving efficiency at its main branch handling ~1000 passports daily.中信银行北京分行推出物联网护照管理系统，基于RFID和MQTT协议实现护照出入库自动化，日均处理近千本。
2025-10-20CITIC Bank Beijing branch partnered with Spain National Tourism Board and BLS International to launch Spain visa fast-track service, including first authorized door-to-door visa service.中信银行北京分行联合西班牙国家旅游局、BLS International推出西班牙签证便捷通道服务，首次实现官方授权上门服务。
2025-11-07CITIC Bank Beijing Branch acted as a key participant in the Hong Kong IPO of Dipu Technology (滴普科技), which set a Hong Kong mainboard record with 7,569.83 times oversubscription and raised HKD 710 million.中信银行北京分行作为滴普科技香港上市的重要参与方，该IPO创7569.83倍香港主板最高超购纪录，募资7.10亿港元。
2025-11-25CITIC Bank Shenzhen Branch held the cross-border financial center unveiling ceremony and the 'Cross-border New Ecology' special session at the Shenzhen International Finance Expo.中信银行深圳分行在深圳国际金融博览会上举办跨境金融中心揭牌仪式及“跨境新生态”专场活动。
2026-04-15CITIC Bank Haikou Branch completed filing as a sales institution for the cross-border asset management pilot program in Hainan Free Trade Port.中信银行海口分行完成海南自贸港跨境资产管理试点业务销售机构备案。
'Tianyuan Treasury' system'天元司库'系统
4 · 2024-03-22 → 2025-04-25
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CITIC Bank launched the 'Tianyuan Treasury' digital treasury management system for central and state-owned enterprises.中信银行推出'天元司库'数字化司库管理系统，服务央企和国企。
2024-03-22CITIC Bank launched the 'Tianyuan Treasury' (天元司库) system, a new digital treasury management system for central and state-owned enterprises.中信银行全新推出数智融合的“天元司库”系统。
2024-12-04CITIC Bank Baotou Branch successfully implemented the first 'Tianyuan Treasury System' (天元司库系统) in Baotou area for an Inner Mongolia pipeline company, integrating multiple bank accounts for centralized management.中信银行包头分行为内蒙古某管道公司上线天元司库系统，成为包头地区首笔司库业务，整合多家银行账户实现集中管理。
2025-03-17Hangzhou Branch launched the 'State-owned Assets Professional Edition Treasury System' (Guozi Zhuanye Ban Siku Xitong) for state-owned enterprises.杭州分行发布国资专业版司库系统。
2025-04-25CITIC Bank Chengdu Branch launched the 'State-owned Enterprise Professional Version Treasury System' (Tianyuan Treasury), a digital treasury management system for state-owned enterprises.中信银行成都分行发布‘国资专业版司库系统’（天元司库），为国资企业提供数字化财资管理方案。
Financial Results & Performance财务业绩与表现
20 · 2024-03-22 → 2026-05-25
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Annual and interim financial results, key performance indicators, and business updates.年度及中期财务业绩、关键绩效指标及业务更新。
2024-03-22CITIC Bank announced at the results conference that it has replaced 15.58 billion yuan in local government debt, exited 5.5 billion yuan in high-risk assets, and made a 1.66 billion yuan provision write-back.中信银行在业绩发布会上披露已置换地方债务155.8亿元，退出高风险资产55亿元，减值回拨16.6亿元。
2024-08-29CITIC Bank held 2024 interim results conference; management stated net profit decline was due to prioritizing risk prevention without lowering provision coverage.中信银行召开2024年半年度业绩发布会；管理层表示净利润下降系将提升防控风险能力放在突出位置，未调低拨备覆盖率。
2024-11-21CITIC Bank's corporate credit bond underwriting volume exceeded 800 billion yuan for the year, a new record.中信银行公司信用类债券年度承销规模突破8000亿元，创历史新高。
2024-12-03CITIC Bank Changsha Branch's bond underwriting scale reached 207 billion yuan in the first three quarters of 2024, ranking first in Hunan market for five consecutive years, with total issuance of 46.1 billion yuan and 50 lead underwritten issues.中信银行长沙分行2024年前三季度债券承销规模达207亿元，发行总规模461亿元，主承销支数50支，连续五年领跑湖南市场。
2025-03-272024 annual results press conference: Chairman Fang Heying stated net interest margin outperformed the market for three consecutive years, non-interest income grew for five consecutive years, and the dividend payout ratio was raised.2024年度业绩发布会：董事长方合英表示净息差连续三年跑赢大市，非息收入连续五年正增长，分红比例提升。
2025-04-01CITIC Bank 2024 annual report: financial market segment net operating income 26.736 billion yuan (+23.39% YoY), non-interest net income 27.374 billion yuan (+45.25% YoY).中信银行2024年报：金融市场板块营业净收入267.36亿元（同比+23.39%），非利息净收入273.74亿元（同比+45.25%）。
2025-07-13CITIC Bank Nanning Branch achieved corporate credit bond underwriting of 9.76 billion yuan in H1 2025, ranking first among national banks in the region, with 43 bonds issued, a record high.中信银行南宁分行2025年上半年企业信用债承销规模达97.6亿元，区域全国性银行首位，发行43只债券创历史新高。
2025-08-28CITIC BANK's retail AUM (including market value) reaches RMB 4.99 trillion by end-June 2025, up 6.52% from end-2024; wealth management scale exceeds RMB 2.1 trillion in H1 2025.截至2025年6月末，中信银行零售管理资产余额（含市值）达4.99万亿元，较上年末增长6.52%；上半年理财规模突破2.1万亿元。
2025-08-28CITIC BANK's non-performing loan ratio remains at 1.16% at end-June 2025, flat from end-2024; NPL balance is RMB 67.134 billion, up RMB 649 million. Provision coverage ratio is 207.53%.截至2025年6月末，中信银行不良贷款率1.16%，与上年末持平；不良贷款余额671.34亿元，增加6.49亿元；拨备覆盖率207.53%。
2025-08-28CITIC BANK's net interest margin (NIM) for H1 2025 is 1.63%, down 14 bps YoY, but the absolute level leads the industry by 21 bps. Q2 NIM stabilizes and improves from Q1.中信银行2025年上半年净息差1.63%，同比下降14个基点，绝对值领先行业21个基点；二季度净息差环比趋稳。
2025-08-28CITIC BANK's fee and commission net income for H1 2025 is RMB 16.906 billion, up 3.38% YoY, with growth for five consecutive years outperforming peers.中信银行2025年上半年实现手续费及佣金净收入169.06亿元，同比增长3.38%，增速连续五年跑赢同业。
2025-08-28CITIC BANK's subsidiary, CITIC Wealth Management, reports H1 2025 net profit of RMB 1.196 billion, with total assets of RMB 13.393 billion.中信银行子公司信银理财2025年上半年实现净利润11.96亿元，总资产133.93亿元。
2025-08-28CITIC BANK's subsidiary, CITIC Baixin Bank, reports H1 2025 net profit of RMB 472 million, up 1.66% YoY; total assets reach RMB 119.516 billion.中信银行子公司中信百信银行2025年上半年实现净利润4.72亿元，同比增长1.66%；总资产1195.16亿元。
2025-12-31CITIC Bank's special bond underwriting service scale exceeded 100 billion RMB in 2025, including underwriting 15 of the first batch of national science and technology innovation bonds in May.中信银行2025年专项债券承销服务规模超过千亿元，5月主承销15单全国首批科技创新债券。
2026-01-27In 2025, the bank's special variety underwriting service scale exceeded 100 billion yuan, including 15 first-batch science and technology innovation bonds as lead underwriter.2025年专项品种承销服务规模超过千亿量级，其中作为牵头主承销商承销15单全国首批科技创新债券。
2026-03-20CITIC Bank's 2025 annual report: NPL ratio 1.15% (-0.01pp YoY), NPL balance RMB 67.216 billion (+1.10% YoY), provision coverage ratio 203.61% (-5.82pp YoY). Net interest margin 1.63% (-0.14pp YoY).中信银行2025年报：不良贷款率1.15%（同比下降0.01个百分点），不良贷款余额672.16亿元（同比+1.10%），拨备覆盖率203.61%（同比下降5.82个百分点）。净息差1.63%（同比下降0.14个百分点）。
2026-03-23CITIC Bank held its 2025 annual results conference. Key highlights: net profit five-year CAGR of 7.59%, non-interest income ratio up 9.3pp over five years, NPL ratio down for seven consecutive years, and a record high dividend payout ratio of 31.75%.中信银行召开2025年度业绩发布会。要点：净利润五年复合增速7.59%，非息收入占比五年提升9.3个百分点，不良贷款率连续七年下降，分红比例创历史新高31.75%。
2026-03-23CITIC Bank Vice President Hu Gang stated at the results conference that the bank's treasury business remained stable in 2025: government bond underwriting reached RMB 500 billion (ranked first among domestic commercial banks), and forex market-making transactions exceeded USD 4 trillion (+21% YoY).中信银行副行长胡罡在业绩会上表示，2025年金市业务平稳增长：国债承销5000亿元（国内商业银行首位），外汇做市交易超4万亿美元（同比+21%）。
2026-03-23CITIC Bank Chairman Fang Heying stated at the results conference that the bank's technology strategy is shifting from 'AI first' to 'AI fast'.中信银行董事长方合英在业绩会上表示，科技战略正从“AI优先”向“AI加速”转变。
2026-05-25CITIC Bank Hohhot Branch invested a total of RMB 2.35 billion in multiple bonds supporting infrastructure and consumer sectors in Inner Mongolia.中信银行呼和浩特分行参与投资内蒙古基础设施建设、民生消费等多支债券，投资总额达23.5亿元。
Global Shipping Business Network (GSBN) membership全球航运商业网络（GSBN）成员
1 · 2024-03-26
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CITIC Bank joined the Global Shipping Business Network as its first commercial bank member.中信银行加入全球航运商业网络，成为其首家商业银行成员。
2024-03-26CITIC Bank joined the Global Shipping Business Network (GSBN) as its first commercial bank member, adopting the IQAX eBL solution for electronic bills of lading.中信银行作为首家商业银行加入全球航运商业网络（GSBN），采用和易孚电子提单（IQAX eBL）解决方案。
Convertible bond conversion and delisting可转债转股及退市
11 · 2024-03-28 → 2026-05-14
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CITIC Bank's controlling shareholder converted its A-share convertible bonds into shares, and the bonds were eventually delisted after full conversion.中信银行控股股东将其A股可转债转换为股份，该债券最终在全部转股后退市。
2024-03-28CITIC Financial Holdings plans to exercise the conversion right to convert all 26.388 billion yuan in A-share convertible bonds of CITIC Bank into A-shares.中信金控拟行使换股权，将持有的合计面值263.88亿元中信银行A股可转债悉数转为A股。
2024-04-01Controlling shareholder CITIC Financial Holdings converted its entire 263.88 billion yuan CITIC Convertible Bonds into 4.326 billion A-shares, increasing its stake to 68.70%.控股股东中信金控将其持有的263.88亿元中信转债全部转换为43.26亿股A股，持股比例升至68.70%。
2024-07-01CITIC Bank announces that from April 1 to June 30, 2024, approximately RMB 999 million of CITIC convertible bonds were converted into A-shares, resulting in about 164 million new shares.中信银行公告，2024年4月1日至6月30日期间，共有约人民币9.99亿元中信转债转为本行A股普通股，转股股数约为1.64亿股。
2024-11-29CITIC Bank's controlling shareholder CITIC Financial Holdings' stake passively diluted from 68.70% to 67.67% due to convertible bond conversions.中信银行控股股东中信金控持股比例因可转债转股被动稀释从68.70%降至67.67%。
2025-01-02CITIC BANK's convertible bond (中信转债) conversion update: as of Dec 31, 2024, RMB 32.966 bln converted into 5.462 bln A-shares (11.16% of pre-conversion total); remaining RMB 7.034 bln unconverted (17.59% of total issuance).中信银行可转债转股进展：截至2024年12月31日，累计329.66亿元转为54.62亿股A股（占转股前总股本11.16%）；剩余70.34亿元未转股（占发行总量17.59%）。
2025-02-13CITIC Bank's controlling shareholder CITIC Financial Holdings' stake was passively diluted from 65.87% to 64.95% due to convertible bond conversions (RMB 36.406 billion of RMB 40 billion CITIC Convertible Bonds converted into 6.078 billion A-shares as of Feb 12, 2025).中信银行控股股东中信金控持股比例因可转债转股从65.87%被动稀释至64.95%（截至2025年2月12日，400亿元中信转债中已有364.06亿元转为60.78亿股A股）。
2025-02-21CITIC Bank's convertible bond 'CITIC Convertible Bond' (113021) will be delisted from the Shanghai Stock Exchange on March 4, 2025, due to full maturity and redemption.中信银行可转债“中信转债”（113021）因全部到期兑付，将于2025年3月4日终止在上交所上市交易和转股。
2025-03-06CITIC Convertible Bond (Zhongxin Zhuanzhai) delisted from Shanghai Stock Exchange; 399.4 billion yuan of the bond had been converted into A-shares.中信转债在上交所摘牌，累计399.4亿元已转为A股普通股。
2025-04-08CITIC Bank H-share announcement: A-share ordinary shares increased by 8.300145 million shares due to convertible bond conversion as of March 31, 2025; total share capital became 40.762999287 billion shares.中信银行H股公告：截至2025年3月31日，A股普通股因可转债转股增加830.0145万股，总股本增至407.62999287亿股。
2026-04-17CITIC Bank received regulatory approval from the National Financial Regulatory Administration to increase its registered capital from RMB 48.935 billion to RMB 55.645 billion, following the conversion of its RMB 40 billion A-share convertible bonds.中信银行收到国家金融监督管理总局批复，同意其注册资本由约489.35亿元变更为556.45亿元，因400亿元A股可转债完成转股。
2026-05-14CITIC Bank's registered capital increased from approximately RMB 48.93 billion to approximately RMB 55.65 billion, a rise of about 14%, due to conversion of convertible bonds issued in 2019.中信银行注册资本由约489.3亿元增至约556.5亿元，增幅约14%，源于2019年发行的可转债转股。
Credit card business performance信用卡业务表现
2 · 2024-04-01 → 2025-09-10
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CITIC Bank reported on its credit card business revenue and non-performing loan balance.中信银行披露了其信用卡业务收入及不良贷款余额情况。
2024-04-01Credit card business revenue fell to 59.421 billion yuan in 2023 from 59.823 billion in 2022; non-performing loan balance rose 2.678 billion yuan to 13.198 billion yuan.2023年信用卡业务收入降至594.21亿元，2022年为598.23亿元；不良贷款余额增加26.78亿元至131.98亿元。
2025-09-10CITIC Bank's credit card loan balance was 458.455 billion yuan, down 9.05% YoY; non-performing loan ratio hit a new high in H1 2025.中信银行信用卡贷款余额4584.55亿元，同比下滑9.05%；2025年上半年不良率创新高。
Product & Service Launches and Adjustments产品与服务推出及调整
27 · 2024-04-09 → 2026-06-18
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Launch of new financial products, credit cards, deposit/withdrawal function changes, and service adjustments.新金融产品、信用卡的推出，存取款功能变更及服务调整。
2024-04-09Launched digital human wealth advisor 'Xiao Xin' based on AI financial model, providing 24/7 investment advice.推出基于AI金融模型的数字人财富顾问“小信”，提供7×24小时投资建议。
2024-05-10CITIC Bank will stop the manual and auto transfer functions of 'Xinjin Bao Zhouzhou Xiang' and automatic notice deposit products from May 15, 2024.中信银行自2024年5月15日起停止薪金煲周周享、自动通知存款产品的手动转入和自动转入功能。
2024-05-17CITIC Bank closed the 'authorization code cash withdrawal' function on self-service cash machines from May 17, 2024.中信银行自2024年5月17日起关闭现金自助设备授权码取款功能。
2024-06-03CITIC Bank decided to early terminate the Minsheng Wealth Fubao Anyin One-Year Closed No.1 wealth management product (code: FBAG39701E) on June 4, 2024.中信银行决定于2024年6月4日提前终止民生理财富竹安盈一年封闭1号理财产品（产品代码：FBAG39701E）。
2024-06-14CITIC Bank's wealth management package (LiCai BaoTao) was renamed to 'SuiXinXiang ZhiCunBan' effective June 15, 2024.中信银行理财套餐（理财宝套餐）自2024年6月15日起更名为'随心享智存版'。
2024-07-31CITIC Bank announces it will stop issuing 12 credit card products from September 15, 2024, replacing them with standard cards from corresponding card networks.中信银行公告，自2024年9月15日起停止发行12款信用卡产品，换发对应卡组织标准信用卡。
2024-08-16CITIC Bank announced it will disable card-less cash withdrawal on self-service machines from August 23, 2024.中信银行宣布自2024年8月23日起关闭现金自助设备无卡取款功能。
2024-09-12CITIC Bank's 'Motion Space' app integrated with China UnionPay's QuickPass network payment platform, enabling dual-app access (Motion Space and Mobile Banking) for enhanced mobile payment convenience.中信银行动卡空间APP接入中国银联云闪付网络支付平台，实现动卡空间和手机银行双APP接入，提升移动支付便利性。
2024-10-29CITIC Bank APP and Dongkong Space APP completed adaptation for Huawei HarmonyOS NEXT system and launched public beta testing.中信银行APP及动卡空间APP已完成华为HarmonyOS NEXT系统适配并启动公测。
2024-10-30CITIC Bank Credit Card Dongkong Space APP 11.0 was fully upgraded, featuring new 'five portals' and a 'Security Guard' function for all platforms (iOS, Android, HarmonyOS).中信银行信用卡动卡空间APP 11.0全面焕新升级，全新打造“五大门户”及“安全卫士”功能，覆盖iOS、安卓、鸿蒙全平台。
2024-11-29CITIC Bank's mobile banking app and 'Dong Kong Space' credit card app completed adaptation for Huawei HarmonyOS NEXT and started public beta.中信银行手机银行APP和动卡空间APP完成华为HarmonyOS NEXT适配并启动公测。
2025-04-09CITIC Bank announced it will disable the contactless function on cash self-service equipment from April 12, 2025.中信银行公告，自2025年4月12日起关闭现金自助设备非接功能。
2025-04-27CITIC Bank announced that from June 21, 2025, the single-transaction limit for mobile flash payments (Apple Pay, Huawei Pay, etc.) will be raised from 20,000 yuan to 50,000 yuan.中信银行公告，自2025年6月21日起，手机闪付（Apple Pay、Huawei Pay等）单笔交易限额由2万元调整为5万元。
2025-04-29CITIC Bank launched the new Mastercard multi-currency debit card nationwide, supporting 9 currencies (CNY, USD, HKD, GBP, EUR, SGD, JPY, CAD, AUD).中信银行全国首发全新万事达多币种借记卡，支持人民币、美元、港元、英镑、欧元、新加坡元、日元、加拿大币、澳大利亚元九大币种。
2025-05-12CITIC BANK raised risk ratings on 158 consigned asset management products, mostly from PR3 to PR4, effective May 12.中信银行自5月12日起上调158款代销资管产品风险评级，多款从PR3调至PR4。
2025-09-05CITIC Bank Beijing Branch launched a digital personal loan service with electronic signature for mortgage materials, enabling customers to sign contracts online via mobile banking, and implemented electronic contract signing for auto loans with T+1 loan disbursement.中信银行北京分行上线个人贷款抵押材料电子签名功能，客户可通过手机银行在线签署合同；车贷推行电子合同签约，最快T+1日放款。
2025-10-09CITIC Bank announced it will adjust risk ratings of some entrusted asset management products from Oct 15, 2025, to comply with investor suitability rules.中信银行公告自2025年10月15日起调整部分代销资管产品风险评级，以符合投资者适当性管理要求。
2025-11-20CITIC Bank announced that from November 22, 2025, it will enable an overseas online security lock for some customers, blocking overseas online transactions unless manually disabled.中信银行公告，自2025年11月22日起，为部分客户开启境外线上安全锁，相关账户将无法办理境外线上交易。
2025-11-21CITIC Bank launched the 'Dake Zhenxuan' (大客甄选) sales empowerment platform; in less than six months, it onboarded nearly 30 consumer goods companies, 300+ products, 2,200+ registered users, and nearly 500,000 yuan in sales.中信银行发布“大客甄选”销售赋能平台，上线不到半年入驻消费品企业近30家，上架商品300余款，累计注册用户2200余人，销售额近50万元。
2026-03-14CITIC Bank launched a new 'Parent-Child Financial Service System' centered on the 'Little Dog Money' co-branded debit card, including a parent-child account service.中信银行全新发布“亲子金融服务体系”，以“小狗钱钱”联名借记卡为核心，配套亲子账户服务。
2026-04-16CITIC Bank issued the first pension-themed structured deposit product in the domestic market, linked to the CSI Pension Industry Index (399812).中信银行发行国内市场首支养老金融主题结构性存款产品，挂钩中证养老产业指数（399812）。
2026-05-12CITIC Bank announced it will suspend digital collectible-related services from May 16, 2026, due to business optimization adjustments.中信银行公告，因业务优化调整，将于2026年5月16日起暂停数字藏品相关服务。
2026-05-14CITIC Bank issued the first pension-themed structured deposit product in the domestic market, linked to the CSI Pension Industry Index (399812).中信银行发行国内市场首支养老金融主题结构性存款产品，挂钩中证养老产业指数（399812）。
2026-06-04CITIC BANK partners with Ping An Securities (平安证券) to launch 7×24 hour securities transfer service, allowing fund transfers on weekends and holidays.中信银行联合平安证券推出7×24小时银证转账服务，支持周末及节假日资金划转。
2026-06-15CITIC BANK Hohhot Branch (呼和浩特分行) launches 'Yiqibao' (易期宝) FX hedging product for small and micro foreign trade enterprises in Inner Mongolia, with option fee waiver for eligible transactions.中信银行呼和浩特分行落地内蒙古首单中小微外贸企业普惠类汇率避险产品“易期宝”，符合条件的交易可享期权费全免优惠。
2026-06-16CITIC BANK and China UnionPay (中国银联) hold innovation product promotion exchange meeting in Fuzhou, focusing on 'Anxin Pay, Nuanxin Pay, Shengxin Pay' products.中信银行联合中国银联在福州举办创新产品联合推广交流会，聚焦“安心付、暖心付、省心付”三大产品。
2026-06-18CITIC BANK launches new wealth product series 'Wenwen+Zu' (稳稳+族), covering wealth management and fund dual tracks with stable return focus.中信银行推出全新财富产品系列“稳稳+族”，涵盖理财和基金双赛道，主打稳健收益。
'Xinwaihui+' cross-border financial system'信外汇+'跨境金融体系
2 · 2024-04-19 → 2024-05-06
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CITIC Bank launched the 'Xinwaihui+' cross-border financial comprehensive service system.中信银行推出'信外汇+'跨境金融综合服务体系。
2024-04-19Launched 'Xinwaihui+' cross-border financial comprehensive service system in Shanghai, covering settlement, financing, trading, and advisory services.在上海发布“信外汇+”跨境金融综合服务体系，涵盖结算、融资、交易、融智四大领域。
2024-05-06CITIC Bank launched the 'CITIC Foreign Exchange+' cross-border financial comprehensive service system in Shanghai, covering settlement, financing, trading, and advisory in a '4+N' framework.中信银行在上海发布“信外汇+”跨境金融综合服务体系，涵盖结算、融资、交易、融智四大领域及“4+N”跨境金融服务方案。
Pension industry forum养老产业论坛
2 · 2024-04-25 → 2024-05-14
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CITIC Bank co-hosted the 'China Pension Industry Forum' with Caixin Media.中信银行与财新传媒共同举办'中国养老产业论坛'。
2024-04-25Co-hosted '2024 China Pension Industry Forum' in Beijing with Caixin Media, discussing pension finance and industry opportunities.联合财新传媒在京举办“2024中国养老产业论坛”，探讨养老金融和产业机遇。
2024-05-14CITIC Bank co-hosted the '2024 China Pension Industry Forum' in Beijing with Caixin Media, themed 'Planning New Changes, Identifying New Opportunities'.中信银行联合财新传媒在京举办“2024中国养老产业论坛”，主题为“筹谋新变局 洞察新机遇”。
Awards & Regulatory Recognition奖项与监管认可
16 · 2024-04-29 → 2026-06-18
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Awards, certifications, and high ratings from regulators and industry bodies.来自监管机构和行业组织的奖项、认证及高评级。
2024-04-29Ganzhou branch awarded 'Jiangxi May Day Labor Award' for supporting实体经济 and local development.赣州分行荣获“江西省五一劳动奖状”，表彰服务实体经济和地方发展。
2024-05-16CITIC Bank's '1+2+3+N' business model for agricultural reclamation was selected by the Ministry of Agriculture and Rural Affairs as one of the top 10 innovative financial support models for 2023.中信银行“1+2+3+N”业务布局助力农垦高质量发展模式入选农业农村部2023年金融支农十大创新模式。
2024-08-19Fitch affirmed CITIC Bank's rating at 'BBB+' with a stable outlook.惠誉确认中信银行评级为'BBB+'，展望稳定。
2024-08-20CITIC Bank was rated 'Excellent' in the 2023 regulatory assessment of financial institutions serving rural revitalization, the only joint-stock bank to achieve this for three consecutive years.中信银行在2023年度金融机构服务乡村振兴监管考核评估中再次获评'优秀档'，成为唯一连续三年获此评级的股份制银行。
2025-02-07CITIC Bank's Shaoxing branch won 'A-grade' in the PBOC Shaoxing branch's 2024 cross-border RMB business evaluation, with a settlement volume of RMB 2.491 billion.中信银行绍兴分行在人民银行绍兴市分行2024年跨境人民币业务评价中获“A等”，结算量24.91亿元。
2025-02-08CITIC Bank won 'People's Heart Craft Brand' at the 2024 People's Quality Development Forum hosted by People's Daily Online.中信银行在人民网主办的“2024人民质量发展论坛”中获评“人民匠心品牌”。
2025-02-08CITIC Bank won 'Best Annual Joint-Stock Commercial Bank' and 'Annual Excellent Pension Finance Bank' at Sina Finance's 2024 Bank Comprehensive Selection.中信银行在新浪财经“2024（第十二届）银行综合评选”中获评“年度最佳股份制商业银行”和“年度卓越养老金融银行”。
2025-02-08CITIC Bank's small-micro enterprise loan balance reached RMB 1.7 trillion by end-2024, up over RMB 190 billion from end-2023; it won the highest 'Level 1' evaluation from NFRA for SME financial services for the fourth consecutive year.截至2024年末，中信银行小微企业贷款余额达1.7万亿元，较2023年末增长超1900亿元；连续四年获国家金融监管总局小微金融服务评价最高级“一级”。
2025-08-08CITIC BANK's data management capability is rated the highest level (Level 5, Optimization) in the DCMM (Data Management Capability Maturity Model) certification, becoming the first joint-stock commercial bank to achieve this level.中信银行获评数据管理能力成熟度（DCMM）最高等级五级（优化级）认证，成为首家获此等级的股份制商业银行。
2025-08-18CITIC BANK is rated 'Excellent' (the only joint-stock commercial bank) in the 2024 annual assessment of financial institutions serving rural revitalization by the People's Bank of China and the National Financial Regulatory Administration. Its agricultural loans approach RMB 500 billion by end-July 2025.中信银行在2024年度金融机构服务乡村振兴监管考核评估中获评唯一“优秀档”股份制商业银行，截至7月末涉农贷款规模接近5000亿元。
2025-11-10CITIC Bank was rated A-class in the Shanghai Stock Exchange information disclosure evaluation for the ninth consecutive year (2024-2025).中信银行在上海证券交易所信息披露工作评价中连续九年获评A类评价（2024-2025）。
2025-12-10CITIC Bank's Wenzhou branch was rated 'A-Class' for foreign exchange business compliance for the seventh consecutive year, with a hedging contract volume of USD 1.05 billion from January to November.中信银行温州分行连续七年获评外汇业务合规与审慎经营评估“A类行”，1-11月汇率避险签约额达10.5亿美元。
2025-12-12CITIC Bank won 5 awards in the 2024 Financial Technology Development Awards by the People's Bank of China, including a first prize for the 'Cangqiong Project' which saved over 200 million RMB in costs.中信银行5项金融科技创新成果获中国人民银行2024年度金融科技发展奖，其中一等奖“苍穹工程”累计节约成本超2亿元。
2026-04-01Fitch Ratings upgraded CITIC Bank's long-term foreign-currency issuer default rating (IDR) from 'BBB+' to 'A-', the highest among joint-stock banks, with a stable outlook.惠誉评级将中信银行长期外币发行人违约评级（IDR）从“BBB+”上调至“A-”，为股份制银行最高等级，展望稳定。
2026-04-17CITIC Bank's private banking won 'Best Private Bank - Alternative Investments' and 'Best Private Bank - Ultra-High-Net-Worth Clients' at the Asian Private Banker China Wealth Awards.中信银行私人银行在《亚洲私人银行家》中国财富奖中荣膺“最佳私人银行-另类投资”和“最佳私人银行-超高净值客户”两项大奖。
2026-06-18Moody's confirms CITIC Bank International's long-term deposit rating at 'A3/P-2' with stable outlook, BCA at 'baa2'.穆迪确认中信银行国际长期存款评级为'A3/P-2'，展望稳定，基础信用评估为'baa2'。
Brand value rankings品牌价值排名
7 · 2024-05-06 → 2026-03-10
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CITIC Bank achieved high rankings in Brand Finance's Global Banking 500 and China 500 lists.中信银行在Brand Finance全球银行500强和中国500强榜单中名列前茅。
2024-05-06CITIC Bank ranked 19th in Brand Finance's 2024 Global Banking 500, up one place from last year, and 8th among 48 Chinese banks.中信银行在Brand Finance《2024年全球银行品牌价值500强》中排名第19位，较去年上升1位，在48家中资银行中位列第8。
2024-05-13CITIC Bank ranked 30th in Brand Finance 2024 China 500 with 5.6% brand value growth, the only financial brand featured in the 'Brand Spotlight' column.中信银行以5.6%的品牌价值增长位列Brand Finance 2024年中国品牌价值500强第30位，成为唯一入选“品牌聚光灯”专栏的金融品牌。
2025-02-05CITIC Bank's brand value reached USD 16.953 billion in the Brand Finance Global 500 2025, up 27.23% YoY, ranking 126th globally (up 31 places).中信银行品牌价值在Brand Finance 2025年全球品牌价值500强中达169.53亿美元，同比增长27.23%，全球排名第126位（上升31位）。
2025-03-21Brand Finance 2025 ranking: brand value reached 16.95 billion USD (+27.2% YoY), ranking 19th globally and 7th in China, the highest growth among Chinese banks.Brand Finance 2025年全球银行品牌价值榜：品牌价值169.5亿美元（同比+27.2%），全球第19位、中国第7位，增幅中国内地银行第一。
2025-12-03CITIC Bank won the 'Bank of the Year China 2025' award from The Banker magazine for the second time, with a brand value of USD 16.95 billion, up 27.2% year-on-year according to Brand Finance.中信银行荣膺英国《银行家》杂志“2025年中国年度银行”大奖，品牌价值达169.5亿美元，同比增幅27.2%。
2026-01-26Ranked 128th in Brand Finance 2026 Global 500 with brand value of $18.57 billion (+9.5% YoY), the only joint-stock bank with dual growth in brand value and strength index.在Brand Finance 2026年全球品牌价值500强中位列第128位，品牌价值185.7亿美元（同比+9.5%），为唯一实现品牌价值与品牌强度指数双增长的股份行。
2026-03-10CITIC Bank's brand value reached USD 18.57 billion in the Brand Finance 2026 Global Banking Brand Value Ranking, up 9.5% YoY, ranking 18th globally and 6th in China.在Brand Finance 2026年全球银行品牌价值榜中，中信银行品牌价值达185.7亿美元，同比增长9.5%，全球排名第18位，中国银行品牌第6位。
Anti-Fraud & Risk Management反欺诈与风险管理
4 · 2024-05-14 → 2025-12-15
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Anti-fraud initiatives, risk warnings, and security measures for customers.反欺诈举措、风险提示及客户安全措施。
2024-05-14CITIC Bank Shaoxing Branch and Shaoxing Railway Police established a joint 'Bank-Police Anti-Fraud Workstation' at Shaoxing North High-Speed Rail Station.中信银行绍兴分行联合绍兴铁路派出所在“绍兴北”高铁站成立银警反诈工作站。
2025-10-17CITIC Bank issued a risk warning on gold price volatility, advising clients to allocate gold assets rationally amid rising international political and economic risks.中信银行发布黄金价格波动风险提示，建议客户在国际政治经济风险加剧下理性配置黄金资产。
2025-10-29CITIC Bank issued a statement denying any cooperation with intermediaries for personal business loans, warning against fraud and stating no fees beyond loan interest are charged.中信银行声明未与任何中介机构合作开展个人经营贷款业务，提醒客户防范诈骗，除贷款利息外不收取任何费用。
2025-12-15CITIC Bank issued a statement denying any business cooperation with 'KOO Wallet', warning against fraudsters impersonating its staff to induce loan applications via the app.中信银行发布声明，称从未与“KOO钱包”开展业务合作，提醒消费者警惕不法分子冒充该行工作人员诱导办理贷款。
Rural Revitalization & Agriculture乡村振兴与农业
5 · 2024-05-22 → 2026-06-05
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Financial support for rural development, agricultural loans, and farmer-focused products.支持农村发展的金融服务、农业贷款及惠农产品。
2024-05-22CITIC Bank became the first joint-stock commercial bank to systemically connect with the Ministry of Agriculture's 'Credit Express' business, granting credit to an agricultural enterprise via QR code application.中信银行成为首家通过系统对接开展农业农村部“信贷直通车”业务的股份制商业银行，成功为农业企业授信。
2024-05-27CITIC Bank held the 'Xiangyue CITIC, Gongfu Future' rural revitalization on-site exchange in Anji, Zhejiang, with the Ministry of Agriculture and 19 provincial agricultural investment groups.中信银行在浙江安吉举办“乡约中信·共富未来”推进乡村振兴现场交流会，农业农村部及19个省市乡村振兴集团参会。
2025-09-04CITIC Bank Changsha Branch's rural revitalization team facilitated a land transfer agreement between Laowu Village and Hunan Yu'ang Agricultural Development Co., Ltd. to build a red bamboo fungus demonstration park, expected to increase annual income per participating villager by over 10,000 yuan and village collective income by about 10,000 yuan.中信银行长沙分行乡村振兴驻村工作队促成老屋村与湖南宇昂农业开发有限公司签订红托竹荪土地流转协议，打造示范园，预计参与村民年增收超1万元，村集体年增收约1万元。
2025-11-14CITIC Bank Hohhot Branch's agricultural loans reached 2.587 billion yuan by end-Q3 2025, up 11% from the beginning of the year; inclusive agricultural loans were 341 million yuan, up 45%.截至2025年9月末，中信银行呼和浩特分行涉农贷款余额25.87亿元，较年初增长11%；普惠型涉农贷款3.41亿元，增长45%。
2026-06-05CITIC BANK Hefei Branch (合肥分行) acts as lead underwriter for Huaihe Energy (淮河能源) 2026第一期-第三期中期票据, total issuance RMB 3 billion, with dual labels of M&A and rural revitalization.中信银行合肥分行担任淮河能源2026年度第一至三期中期票据牵头主承销商，发行规模30亿元，贴标并购票据与乡村振兴。
Other developments其他动态
31 · 2024-05-24 → 2026-02-27
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Assorted one-off developments.零散的一次性动态。
2024-05-24CITIC Bank held the 'Green Together, Smart Future' 2024 auto industry seminar in Qinhuangdao, visiting CITIC Dicastal's 'lighthouse factory' and releasing a comprehensive financial service plan for the auto industry chain.中信银行在秦皇岛举办“绿色同行，信智未来”2024汽车行业研讨会，参观中信戴卡“灯塔工厂”，发布汽车行业综合金融服务方案。
2024-05-28CITIC Group plans to acquire 60% of Huarong Financial Leasing via agreement transfer, promising to resolve同业 competition with CITIC Bank's subsidiary CITIC Financial Leasing within 5 years.中信集团拟通过协议转让收购华融金租60%股权，承诺5年内解决与中信银行全资子公司中信金租的同业竞争问题。
2024-06-11CITIC Bank, as the convener, announced a noteholders' meeting for five tranches of Urumqi High-tech Investment Development Group MTNs (20, 21, 22, 23) to vote on the equity transfer of Lingkong Group.中信银行作为召集人，召开乌鲁木齐高新投资发展集团有限公司五期中期票据持有人会议，审议临空集团股权划转议案。
2024-07-02CITIC Bank and CICC jointly launch the first 'Sustainable Transformation Sci-Tech Innovation Note Basket' in the interbank market, with a trading unit of RMB 30 million face value.中信银行与中金公司联合推出银行间市场首个“可持续转型科创票据篮子”，交易单位为3000万元面值债券。
2024-07-26CITIC Bank reports a related-party transaction with Guangfa Bank from May 14 to July 14, 2024, totaling RMB 9.45 billion in credit-type (non-interbank) transactions, including RMB 8.734 billion in bill discounting.中信银行披露与广发银行重大关联交易，2024年5月14日至7月14日授信类（非同业业务）累计金额94.50亿元，其中票据贴现87.34亿元。
2024-09-29CITIC Bank announced it will extend its fee reduction and profit-sharing policy for three more years, covering account opening fees, transfer fees, and card swipe fees, expanding benefits to all corporate clients.中信银行公告将延长减费让利政策三年，优惠项目包括对公账户开户手续费、转账汇款费、刷卡手续费等，受益客群扩大至全部对公客户。
2024-09-29CITIC Bank announced it will adjust existing commercial housing loan interest rates, planning to release detailed rules by October 12, 2024, and complete batch adjustments by October 31, 2024.中信银行发布公告，拟调整存量商业性个人住房贷款利率，计划于2024年10月12日发布操作细则，10月31日前完成批量调整。
2024-10-07CITIC Bank announced a 3-year extension of its fee-reduction and profit-sharing policy, covering corporate settlement card fees, transfer fees, and authentication tool costs.中信银行宣布将减费让利政策延长3年，涵盖单位结算卡服务费、转账汇款费及安全认证工具工本费等。
2024-10-12CITIC Bank announced it will batch adjust existing personal housing loan interest rates on October 25, 2024, lowering rates above LPR-30BP to LPR-30BP for most loans.中信银行宣布将于2024年10月25日批量调整存量个人住房贷款利率，多数利率高于LPR-30BP的贷款统一调整至LPR-30BP。
2024-10-24CITIC Bank Shaoxing Branch successfully landed a 496 million yuan M&A loan for Shaoxing Yuanshui REITs, the first national water infrastructure public REITs M&A loan.中信银行绍兴分行成功落地绍兴原水公募REITs 4.96亿元并购贷款，为全国首单水利基础设施公募REITs并购贷款。
2024-12-23CITIC Bank officially launched fund custody business on the Zhengzhou Commodity Exchange (ZCE) OTC integrated business platform, effective December 23, 2024.中信银行正式开展郑州商品交易所场外综合业务平台资金存管业务，自2024年12月23日起生效。
2024-12-25CITIC Bank Jiaozuo Branch, together with CITIC Securities, successfully facilitated the first bond issuance of Jiaozuo State-owned Capital Operation (Holdings) Group, a 500 million yuan private placement corporate bond, marking its capital market debut.中信银行焦作分行携手中信建投证券，助力焦作国资集团成功发行首期5亿元非公开发行公司债券，开启资本市场新征程。
2025-01-16CITIC BANK Chifeng Branch, together with CITIC Wealth Management, provided a mining enterprise with a RMB 250 mln stock pledge financing for its actual controller.中信银行赤峰分行协同信银理财，为某矿业企业实控人办理股票质押融资2.5亿元。
2025-01-17CITIC BANK Suzhou Branch provided Jiangsu Shenghong Technology (盛虹科技) with RMB 164 mln convertible bond pledge financing, the branch's first non-debt financing project in 2025.中信银行苏州分行为江苏盛虹科技投放1.64亿元可转债质押融资，系该行开年首单非债融资项目。
2025-01-22CITIC BANK launched the banking industry's first AIGC Spring Festival greeting video co-creation campaign with ByteDance's Doubao large model, allowing users to generate AI-powered videos.中信银行携手字节跳动豆包大模型推出银行业首个AIGC新春祝福视频共创活动，用户可借助AI一键生成动态视频。
2025-02-05CITIC Bank launched the banking industry's first AIGC New Year blessing video co-creation activity based on Volcengine's Doubao large model and Data Flywheel 2.0.中信银行基于火山引擎豆包大模型和数据飞轮2.0，推出银行业首个AIGC新春祝福视频共创活动。
2025-02-20CITIC Bank's private enterprise loan balance reached nearly RMB 900 billion by end-2024, up nearly 10% YoY; small-micro enterprise loan balance reached RMB 1.73 trillion by end-Jan 2025, up 13% YoY.截至2024年末，中信银行民营企业贷款余额近9000亿元，增幅近10%；截至2025年1月末，小微企业贷款余额达1.73万亿元，同比增长13%。
2025-03-18As the sole joint-stock bank representative, participated in the release of the banking industry's proposal to support private economy; disclosed private economy loan balance of 1.35 trillion yuan.作为唯一股份制银行代表参与银行业支持民营经济倡议书发布；披露民营经济贷款余额1.35万亿元。
2025-04-11CITIC Bank released the 'Action Plan for Continuously Deepening Financial Support for High-Quality Development of Private Economy', proposing 30 measures across 8 aspects.中信银行发布《持续深化金融支持民营经济高质量发展行动方案》，从8方面提出30项工作举措。
2025-04-18CITIC Bank executed multiple credit derivative innovation transactions: first batch of new version private enterprise CDS index trades and single-name CDS on 32 new reference entities via Shanghai Clearing House.中信银行落地多笔信用衍生品创新交易：首批新版民企信用违约互换指数交易及32家新增参考实体单名信用违约互换交易。
2025-06-23CITIC Bank Linyi Branch helped Shandong Yihe Holding Group successfully issue the nation's first non-financial enterprise USD-denominated 'Yulan Bond'.中信银行临沂分行助力山东沂河控股集团成功发行全国首单非金融企业美元计价“玉兰债”。
2025-07-11CITIC Bank invested 160 million yuan in the first 'Export-to-Domestic' themed ABS product issued by JD Technology, the 'Heyu 7-5 Asset-Backed Special Plan' Priority A tranche.中信银行投资京东科技发行的市场首单“出口转内销”主题ABS产品“禾昱7-5资产支持专项计划”优先A级份额1.6亿元。
2025-09-01CITIC Bank Hefei Mengcheng Road Sub-branch held a inclusive finance and bill business lecture for the Steel Trade Chamber, introducing bill discount products and housing mortgage e-loan policies to over 60 enterprise owners.中信银行合肥蒙城路支行联合钢贸商会举办普惠及票据业务讲座，向60余家企业主介绍票据贴现产品和房抵e贷政策。
2025-09-08CITIC aiBank (Baixin Bank) issued a tender for financial information account data services with a budget of 1.605 million yuan.中信百信银行发布金融信息账号类数据服务项目招标公告，预算金额160.50万元。
2025-10-17CITIC Bank board announced a meeting on Oct 30, 2025 to consider and approve Q3 2025 results.中信银行董事会宣布将于2025年10月30日举行会议，审议2025年第三季度业绩。
2025-12-11CITIC Bank led the underwriting of a record 5 billion RMB M&A note for a large state-owned enterprise, the largest ever in scale and a national pilot project under new M&A financing rules.中信银行牵头主承销某大型央企并购票据，融资规模50亿元，为历史最大单并购票据，也是并购融资新规后的全国首批试点项目。
2025-12-26Postal Savings Bank of China (PSBC) nominated Lu Wei as an executive director candidate and appointed him as President, pending regulatory approval.邮储银行提名芦苇为执行董事候选人，并聘任其为行长，任职资格尚待监管核准。
2026-01-09CITIC Limited announced that Nanjing Iron & Steel and its subsidiaries will conduct financial business with CITIC Bank in 2026, with max deposit balance of 2 billion yuan and max credit balance of 5 billion yuan.中信股份公告，南京钢铁及下属子公司2026年度与中信银行开展存贷款等金融业务，最高存款余额不超过20亿元，最高信贷余额不超过50亿元。
2026-01-09Zhi Hui Mining (02546.HK) subscribed to 100 million yuan of structured deposit products issued by CITIC Bank.智汇矿业(02546.HK)认购中信银行发售的结构性存款金融产品，总投资额为人民币1亿元。
2026-01-23Served as lead underwriter for a large state-owned enterprise's M&A bond issuance of 5 billion yuan, a national first batch pilot project under new interbank M&A financing rules.牵头主承销某大型央企并购票据成功发行，并购融资规模50亿元，为银行间债券市场并购融资新规后全国首批试点项目。
2026-02-27CITIC Bank Jinan Licheng Branch successfully undertook 357 million yuan in special bond funds for affordable housing projects, part of a total 372 million yuan in special bonds in 2026.中信银行济南历城支行成功承接3.57亿元保障房专项债资金，2026年以来累计承接3.72亿元专项债资金。
Branch & Subsidiary Operations分行与子公司运营
15 · 2024-05-28 → 2026-06-11
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Branch openings, closures, relocations, name changes, and subsidiary capital increases.分行开业、关闭、搬迁、更名及子公司增资。
2024-05-28CITIC Bank's Zibo Development Zone sub-branch was approved by the financial regulator to terminate its business and cancel its financial license.中信银行淄博开发区支行获批终止营业，注销《金融许可证》。
2024-06-20CITIC Bank established the 'Financial Market Shenzhen Center' in Shenzhen to serve financial institution clients and develop cross-border financial business in the Guangdong-Hong Kong-Macao Greater Bay Area.中信银行在深圳成立'金融市场深圳中心'，服务金融机构客户，发展粤港澳大湾区跨境金融业务。
2024-07-30CITIC Bank Chongqing Jiangjin Yuanshuai Square Branch is approved to terminate its business operations.国家金融监督管理总局江津监管分局批准中信银行重庆江津元帅广场支行终止营业。
2024-12-10CITIC Bank Harbin Xinyang Sub-branch approved by Heilongjiang Financial Regulatory Bureau to terminate business, effective from December 5, 2024.中信银行哈尔滨新阳支行获黑龙江金融监管局批复同意终止营业，自2024年12月5日起生效。
2025-02-20CITIC Bank's board approved a RMB 3 billion capital increase for its wholly-owned subsidiary CITIC Financial Leasing, plus RMB 3 billion of retained earnings converted to registered capital, raising its registered capital from RMB 4 billion to RMB 10 billion.中信银行董事会批准对全资子公司中信金融租赁增资30亿元，并同意其将30亿元未分配利润转增注册资本，注册资本由40亿元增至100亿元。
2025-04-11CITIC Bank Zunyi Biyun Sub-branch renamed to Zunyi Xinpu Sub-branch.中信银行遵义碧云支行更名为中信银行遵义新蒲支行。
2025-04-30CITIC Bank approved the termination of business of Chongqing Fuling Xinghua Small and Micro Sub-branch.同意中信银行重庆涪陵兴华小微支行终止营业。
2025-05-06CITIC BANK Xiamen Jiahe sub-branch was renamed to Xiamen Lujiang sub-branch with regulatory approval.中信银行厦门嘉禾支行获准更名为厦门鹭江支行。
2025-06-17CITIC Bank Dalian Huanghe Road sub-branch was approved to terminate its business.中信银行大连黄河路支行获批终止营业。
2025-06-28CITIC Bank Yueyang Branch's main business office reopened after a 6-month upgrade, marking its 10th anniversary in Yueyang, having provided over RMB 50 billion in cumulative financing.中信银行岳阳分行营业部重装开业，恰逢扎根岳阳10周年，累计融资超500亿元。
2025-07-04Tianjin Financial Regulatory Bureau approved CITIC Financial Leasing's capital increase of 6 billion yuan (3 billion cash from CITIC Bank + 3 billion from retained earnings), raising registered capital from 4 billion to 10 billion yuan.天津金融监管局批复中信金融租赁增资60亿元（中信银行现金增资30亿+未分配利润转增30亿），注册资本由40亿变更为100亿元。
2025-07-18CITIC Bank indirectly wholly-owned a new aviation leasing company, Xinyin Zhuxing No.6 (Tianjin) Aviation Leasing Co., Ltd., established in Tianjin.中信银行间接全资持股的信银逐星六号（天津）航空租赁有限公司在天津成立。
2026-05-08CITIC Bank Xinxiang Jinsui Avenue Branch was renamed to CITIC Bank Xinxiang Muye Branch, approved by the local financial regulatory bureau.中信银行新乡金穗大道支行更名为中信银行新乡牧野支行，获新乡监管分局批复。
2026-05-28Xinyin Shengyang No.1 (Shanghai) Equipment Leasing Co., Ltd. was established, wholly owned by CITIC Financial Leasing under CITIC Bank, with registered capital of RMB 100,000, focusing on financial leasing in bonded areas.信银胜耀一号（上海）设备租赁有限公司成立，由中信银行旗下中信金融租赁全资持股，注册资本10万元，主营保税区融资租赁业务。
2026-06-11CITIC BANK Ningbo Chengnan Small & Micro Enterprise Sub-branch (宁波城南小微企业专营支行) renamed to Ningbo Chengnan Sub-branch (宁波城南支行).中信银行宁波城南小微企业专营支行更名为中信银行宁波城南支行。
'CITIC Brain' AI platform'中信大脑'AI平台
1 · 2024-05-29
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CITIC Bank independently developed the 'CITIC Brain' AI platform, providing various AI services.中信银行自主研发'中信大脑'AI平台，提供多种AI服务。
2024-05-29CITIC Bank independently developed the 'CITIC Brain' AI platform, providing six AI services including intelligent dialogue, customer service, imaging, marketing, risk control, and RPA, serving over 10 million customers in real time.中信银行自主打造“中信大脑”人工智能平台，提供智能对话、客服、影像、营销、风控、机器人流程自动化六大AI服务，实时服务客户超千万。
Green & Sustainable Finance绿色与可持续金融
9 · 2024-06-06 → 2026-05-08
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Green bonds, carbon accounts, ESG reports, and biodiversity-themed indices.绿色债券、碳账户、ESG报告及生物多样性主题指数。
2024-06-06CITIC Bank and Angang Capital jointly launched the steel industry's first employee carbon account service platform, the 'Employee Carbon Inclusive Platform' trial operation.中信银行与鞍钢资本共同推出钢铁行业首个员工碳账户服务平台——'员工碳普惠平台'试运行。
2024-09-06CITIC Bank issued the '2023 Environmental Information Disclosure (TCFD) Report', its second consecutive year, detailing green finance policies, green credit, green bonds, and green leasing, and becoming an early adopter of the ISSB International Sustainability Disclosure Standards.中信银行发布《2023年度环境信息披露（TCFD）报告》，连续第二年发布，详述绿色信贷、绿色债券、绿色租赁等政策，并成为国际可持续发展理事会（ISSB）“国际可持续披露准则先学伙伴”。
2024-09-14CITIC Bank Taizhou Branch landed a 175 million yuan green fixed-asset financing project for a technology company, supporting green development.中信银行台州分行落地某科技有限公司绿色固定资产融资项目1.75亿元，支持企业绿色发展。
2024-09-20CITIC Bank and CSI Index Co. jointly launched the 'CSI CITIC Bank Biodiversity Preferred Credit Bond Index', the first domestic bond index themed on biodiversity, covering 1,039 sample bonds with a scale of 3.3 trillion yuan.中信银行与中证指数有限公司联合发布“中证中信银行生物多样性优选信用债指数”，为国内首条以生物多样性为主题的债券指数，样本债券1039只，规模3.3万亿元。
2024-11-04CITIC Bank and CSI Index jointly launched the first biodiversity-themed bond index in China.中信银行与中证指数联合发布国内首条生物多样性主题债券指数。
2025-01-27CITIC BANK Hohhot Branch and Inner Mongolia Power Group jointly launched the first 'Carbon Assessment + Finance' business, providing a silicon enterprise with RMB 10 mln working capital loan and RMB 80 mln bank acceptance bill based on the 'Carbon e-Code' model.中信银行呼和浩特分行与内蒙古电力集团合作开展首笔“碳评+金融”业务，基于“碳e码”模型为某硅业企业发放1000万元流动资金贷款并开立8000万元银行承兑汇票。
2025-08-28CITIC BANK Hohhot Branch completes its first strategic investment in a green technology innovation corporate bond, investing RMB 50 million in a green bond issued by a large power group, the first of its kind in Inner Mongolia.中信银行呼和浩特分行完成首笔绿色科技创新公司债战略性投资，投资某大型电力集团5000万元绿色科创债，为自治区首例。
2025-09-04CITIC Bank Hohhot Branch formulated the 'Green Finance Service Work Plan', established a green finance leadership group, and actively supported water-saving projects through financing and simplified approval processes.中信银行呼和浩特分行制定《绿色金融服务工作方案》，成立绿色金融领导小组，通过融资和简化审批支持节水项目。
2026-05-08CITIC Bank released its 2025 Sustainability Report, highlighting the first national carbon inclusion methodology for paperless banking scenarios in Shenzhen, and 180+ ESG indicators.中信银行发布《2025年度可持续发展报告》，涵盖全国首个银行业无纸化金融场景碳普惠方法学（深圳）及180余项ESG指标。
'Star Plan' for private economy'星计划'支持民营经济
2 · 2024-06-26 → 2024-07-12
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CITIC Bank launched the 'Star Plan' to support the private economy with a focus on five major tracks.中信银行推出'星计划'支持民营经济，聚焦五大赛道。
2024-06-26CITIC Bank launched the 'Star Plan' (Fanxing Jihua) to support the private economy, focusing on five major tracks, three major support systems, and one major action.中信银行出台助力民营经济'繁星计划'，聚焦五大赛道、三大助力体系、一大助力行动。
2024-07-12CITIC Bank launches 'Star Plan' to support private economy, focusing on five major tracks, three major assistance systems, and one major action.中信银行出台助力民营经济“繁星计划”，涵盖深耕五大赛道、三大助力体系、一大助力行动。
Dividends & Shareholder Returns分红与股东回报
18 · 2024-06-28 → 2026-06-02
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Declaration and implementation of interim and final cash dividends, and preference share dividends.中期及末期现金分红、优先股股息的宣告与实施。
2024-06-28CITIC Bank's 2023 annual profit distribution plan approved: total cash dividend of 17.432 billion yuan, 3.56 yuan per 10 shares (tax included).中信银行2023年度利润分配方案获批：现金股息总额174.32亿元，每10股派发现金股息3.56元（含税）。
2024-07-01CITIC Bank announces plan to implement an interim dividend in 2024 to allow investors to share growth dividends earlier.中信银行公告，拟于2024年实施中期分红，让投资者更早分享成长红利。
2024-07-01CITIC Bank adjusts 2023 annual dividend per share from RMB 0.356 to RMB 0.3261 due to share capital changes from convertible bond conversion, maintaining total distribution unchanged.中信银行因可转债转股导致总股本变动，将2023年度每股现金股息由0.356元调整为0.3261元，维持分配总额不变。
2024-09-04CITIC Bank approved a 2024 interim dividend of 1.847 yuan per 10 shares (total 9.873 billion yuan, payout ratio 29.2%), its first mid-year dividend since 2011, making it the only bank among the top four joint-stock banks to do so.中信银行审议通过2024年中期分红方案，每10股派发现金股息1.847元（含税），派息总额98.73亿元，分红比例29.2%，为自2011年以来首次实施年中分红，也是总资产排名前四的股份制银行中唯一实施中期分红的银行。
2024-10-17CITIC Bank will pay a cash dividend of RMB 4.08 per share (tax included) on its preference shares (CITIC Preferred 1) on October 28, 2024.中信银行将于2024年10月28日每股优先股（中信优1）派发现金股息人民币4.08元（含税）。
2024-11-12CITIC Bank announced interim dividend plan: 1.847 yuan per 10 shares (pre-tax), total ~9.87 billion yuan, payout ratio 29.20%.中信银行宣布中期分红方案：每10股派发现金股息1.847元（含税），总额约98.73亿元，分红比例29.20%。
2024-12-02CITIC Bank announced the 2024 interim profit distribution plan: adjusted to 1.825 yuan per 10 shares (tax included) due to conversion of convertible bonds 'CITIC Convertible Bond', maintaining total distribution of approximately 9.873 billion yuan.中信银行公布2024年中期利润分配方案：因“中信转债”转股，每股分配比例调整为每10股派发现金股息1.825元（含税），维持分配总额约98.73亿元不变。
2024-12-03CITIC Bank announced the 2024 A-share interim dividend implementation: cash dividend of 0.1825 yuan per share (tax included), with record date on December 10 and payment date on December 11.中信银行发布2024年A股中期分红派息实施公告：每股现金红利0.1825元（含税），股权登记日为12月10日，发放日为12月11日。
2025-04-08CITIC Bank announced 2024 annual cash dividend: 1.722 yuan per 10 shares (tax included), total 9.582 billion yuan; full-year dividend 3.547 yuan per 10 shares, total 19.455 billion yuan.中信银行公告2024年度现金股息：每10股派1.722元（含税），总额95.82亿元；全年每10股派3.547元，合计194.55亿元。
2025-06-20CITIC Bank announced it will pay a final dividend of RMB 1.722 per 10 shares for 2024 on August 15, 2025.中信银行宣布将于2025年8月15日派发2024年度末期股息每10股1.722元。
2025-06-27CITIC Bank released an action plan for 'improving quality, increasing efficiency, and emphasizing returns', committing to an annual cash dividend ratio of no less than 30% of net profit for 2024-2026.中信银行发布“提质增效重回报”行动方案，承诺2024-2026年每年现金分红比例不低于净利润的30%。
2025-07-02CITIC Bank announced its 2024 annual dividend: RMB 0.1722 per share (tax incl.), total approx. RMB 9.582 billion, with record date July 9 and ex-dividend date July 10.中信银行公布2024年度分红：每股0.1722元（含税），合计约95.82亿元，股权登记日7月9日，除权除息日7月10日。
2025-08-28CITIC BANK's 2025 interim cash dividend totals RMB 10.461 billion, with a payout ratio of 30.7%, up 1.5 percentage points from the 2024 interim period.中信银行2025年中期现金分红总额104.61亿元，分红比例30.7%，较去年中期提升1.5个百分点。
2025-10-09CITIC Bank announced 2025 interim profit distribution: cash dividend of 0.188 yuan per share (tax incl.), total over 10.4 billion yuan; payout ratios 28.68% (to shareholders) and 30.70% (to ordinary shareholders).中信银行公告2025年中期利润分配方案：每股派现0.188元（含税），总额超104亿元，分红比例分别为28.68%（归属股东）和30.70%（归属普通股股东）。
2025-10-18CITIC Bank declared 2025 dividend on preference shares 'CITIC You1': 4.08 yuan per share (tax incl.), total ~1.428 billion yuan, based on 350 million shares.中信银行宣布优先股“中信优1”2025年度股息：每股4.08元（含税），总计约14.28亿元，以3.5亿股为基数。
2025-11-12CITIC Bank announced the distribution of 2025 interim dividend of 0.188 yuan per share (tax included), with a total of approximately 10.461 billion yuan.中信银行公告派发2025年度中期股息每股0.188元（含税），共计约104.61亿元。
2026-03-20CITIC Bank proposed a final cash dividend of RMB 1.93 per 10 shares, bringing the full-year dividend to RMB 3.81 per 10 shares, totaling RMB 21.201 billion, with a payout ratio of 31.75%.中信银行拟每10股派发现金股息1.93元，全年每10股派发现金股息3.81元，合计212.01亿元，分红比例31.75%。
2026-06-02CITIC BANK announces 2025 annual dividend: RMB 0.193 per share (tax included), total distribution approx. RMB 10.74 billion, record date June 9, ex-dividend June 10.中信银行宣布2025年度分红：每股派发现金红利0.193元（含税），合计派发约107.4亿元，股权登记日6月9日，除权除息日6月10日。
Sci-Tech & Innovation Finance科技与创新金融
10 · 2024-07-18 → 2025-09-05
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Loans and services for sci-tech enterprises, innovation bonds, and technology-focused financing.面向科技企业的贷款与服务、创新债券及科技融资。
2024-07-18CITIC Bank Dalian Branch issues the first sci-tech innovation re-lending loan in Dalian, a RMB 3.5 million fixed-asset loan to Dalian Yuyang Industrial Intelligence Co., Ltd., under the central bank's RMB 100 billion program.中信银行大连分行发放大连首笔科技创新再贷款350万元固定资产贷款给大连誉洋工业智能有限公司，该贷款属于央行1000亿元科技创新再贷款政策。
2024-07-22CITIC Bank Dalian Huangpu Branch is selected as one of the first six sci-tech bank branches in Dalian, and signs a strategic agreement with Dalian Yinggeshi Sci-Tech Industry Development Co., Ltd.中信银行大连黄浦支行入选大连市首批6家科技支行之一，并与大连英歌石科技产业发展有限公司签订战略合作协议。
2025-02-26CITIC Bank Beijing branch held the first 2025 'Finance Empowers Technology' forum, attended by key tech firms including Moores Threads, and introduced its '5531' sci-tech financial service system.中信银行北京分行举办2025年首期“金融赋能科技”科技金融合作论坛，彩讯股份、数字政通、摩尔线程等参会，介绍“5531”科技金融服务体系。
2025-03-04Acted as bookrunner and lead underwriter for Guangxi Liuzhou Iron and Steel Group's 1 billion yuan 3-year MTN (Sci-Tech Innovation Note).担任广西柳州钢铁集团10亿元3年期科创中票的簿记管理人和主承销商。
2025-03-13Launched the first batch of sci-tech enterprise M&A loan pilot projects, providing 80% LTV, 10-year loans to two firms in Hangzhou and Hefei.落地首批科技企业并购贷款创新试点项目，为杭州、合肥两家企业发放贷款占并购交易价款80%、期限10年。
2025-04-09CITIC Bank launched the 'Specialized and New Enterprise Service Plan' in Beijing, forming the 'CITIC Specialized and New Service Alliance' with 6 other CITIC Group financial institutions.中信银行在京发布《专精特新企业服务方案》，联合中信集团旗下其他6家金融机构成立‘中信专精特新服务联盟’。
2025-05-08CITIC BANK acted as lead underwriter for 15 of the first batch of national Sci-Tech Innovation Bonds on the bond market 'Sci-Tech Board', leading 9 projects and covering 78% of private-sector issuers.中信银行主承销首批15单全国科技创新债券，牵头9单，民企覆盖度达78%，助力债券市场“科技板”开板。
2025-06-12CITIC Bank Suzhou Branch successfully landed two M&A loans for high-tech enterprises, totaling RMB 263 million.中信银行苏州分行成功落地两笔科技企业并购贷款，合计2.63亿元。
2025-07-10CITIC Bank Beijing Branch acted as lead underwriter for CITIC Securities' first sci-tech innovation bond in the interbank market, issuing the '2025 Sci-Tech Innovation Bond (Tranche 1)'.中信银行北京分行担任牵头主承销商，发行中信建投证券2025年科技创新债券（第一期），为证券行业银行间市场首单。
2025-09-05CITIC Bank Beijing Branch served as the exclusive industry-finance partner for the 10th 'Maker China' Metaverse SME Competition finals, providing demand matching, enterprise services, and funding support to 90 projects.中信银行北京分行作为第十届“创客中国”元宇宙中小企业大赛决赛唯一产融合作伙伴，为90个项目提供需求对接、企业服务和资金支持。
MSCI ESG rating upgradeMSCI ESG评级提升
3 · 2024-08-07 → 2026-03-21
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CITIC Bank's MSCI ESG rating was upgraded from 'BBB' to 'A' and then to 'AAA'.中信银行MSCI ESG评级从'BBB'提升至'A'，再提升至'AAA'。
2024-08-07MSCI upgraded CITIC Bank's ESG rating from 'BBB' to 'A'.MSCI将中信银行ESG评级从'BBB'上调至'A'。
2025-11-12CITIC Bank's MSCI ESG rating was upgraded from 'A' to 'AAA', the global best level, the second consecutive annual upgrade.中信银行MSCI ESG评级由“A”上调至“AAA”级（全球最佳等级），连续第二年提升。
2026-03-21CITIC Bank's 2025 Sustainable Development Report: MSCI ESG rating upgraded to AAA (global best), developed the first banking carbon inclusive methodology, and launched the 'XinCantong' corporate carbon asset management platform.中信银行2025年可持续发展报告：MSCI ESG评级升至AAA级，主导编制首个银行业碳普惠方法学，推出“信碳通”企业碳资产管理平台。
'Sci-Tech Achievement Transformation Loan''科技成果转化贷'
5 · 2024-09-05 → 2025-07-02
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CITIC Bank launched the 'Sci-Tech Achievement Transformation Loan' product for university-incubated tech firms.中信银行推出'科技成果转化贷'产品，服务高校孵化科技企业。
2024-09-05CITIC Bank Beijing Branch launched a 'Sci-Tech Achievement Transformation Loan' product, providing the first bank loan of 10 million yuan (credit, unsecured) to a hydrogen energy company, targeting university-incubated tech firms.中信银行北京分行推出“科技成果转化贷”产品，为某氢能企业提供首笔银行贷款1000万元（信用、无担保），面向高校院所孵化企业。
2024-11-29CITIC Bank launched 'Sci-Tech Achievement Transformation Loan' and upgraded 'Torch Loan' at the 2nd 'Xin·Xin' Brand High-Quality Development Forum.中信银行在第二届“信·新”品牌高质量发展论坛上发布“科技成果转化贷”并升级“火炬贷”。
2025-05-06CITIC BANK launched 'Sci-Tech Achievement Transformation Loan' in Beijing, using a big-data model to assess patents and R&D instead of collateral, targeting university and research institute spin-offs.中信银行在北京试点推出“科技成果转化贷”，运用大数据模型评估专利和研发而非抵押物，服务高校和科研机构孵化企业。
2025-05-07CITIC BANK released 'Qihang Plan – Sci-Tech Achievement Transformation Empowerment Action', a '6+5+3' service matrix aiming to support 10,000 hard-tech firms in 3 years.中信银行发布“启航计划——科技成果转化赋能行动”，推出“6+5+3”服务矩阵，计划3年内助力1万家硬科技企业。
2025-07-02CITIC Bank Suzhou Branch launched the first 'Sci-Tech Achievement Transformation Loan' under its 'Qihang Plan', providing 30 million yuan comprehensive credit to a tech firm.中信银行苏州分行落地首单“科技成果转化贷”（启航计划），向某科技企业提供3000万元综合授信。
'Xin e Lian' supply chain finance'信e链'供应链金融
1 · 2024-09-06
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CITIC Bank embedded its supply chain finance product 'Xin e Lian' into Aneng's payment process using blockchain.中信银行将其供应链金融产品'信e链'嵌入安能支付流程，使用区块链技术。
2024-09-06CITIC Bank Wenzhou Branch embedded its supply chain finance product 'Xin e Lian' into Aneng's payment process, using blockchain to reduce supplier financing thresholds and improve efficiency.中信银行温州分行将供应链金融产品“信e链”嵌入安能物流的支付结算流程，利用区块链技术降低供应商融资门槛，提升效率。
Wealth Management & Advisory财富管理与咨询
4 · 2024-09-14 → 2026-05-29
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Wealth management products, private banking, and advisory services for high-net-worth clients.财富管理产品、私人银行及高净值客户咨询服务。
2024-09-14CITIC Bank's smart wealth advisor 'Digital Human Xiao Xin' was selected as a 2024 CIFTIS Service Demonstration Case, using AI (LLM, NLP) to serve over 100 million retail clients.中信银行“智能财富顾问：数字人‘小信’”入选2024年服贸会服务示范案例，运用大模型、自然语言处理等AI技术服务亿级零售客户。
2025-04-19CITIC Bank announced Alibaba Cloud as the winning bidder for its 'Wealth Management Large Model Construction and Application Implementation Service' project, bid price 1.95 million yuan.中信银行‘财富管理大模型建设及应用实施服务’项目中标候选人公示，阿里云中标，投标报价195万元。
2025-09-07CITIC Bank exhibited at the Smart China Expo with CITIC Publishing Group, showcasing the 'Digital Wealth Advisor Xiaoxin' AI tool and three tech books, presenting a smart finance ecosystem from enterprise to individual.中信银行携中信出版集团参展智博会，展示“数字人财富顾问小信”AI工具及三本科技著作，呈现从企业到个人的智慧金融生态。
2026-05-29CITIC Bank Dalian Branch held the establishment ceremony of its Overseas Study Financial Service Center, targeting high-net-worth clients with cross-border payment, foreign exchange, and study loan services.中信银行大连分行举办出国金融服务中心成立仪式，面向高净值客户提供跨境支付、外币兑换、留学贷款等服务。
'CITIC Interbank+' platform upgrade'中信同业+'平台升级
1 · 2024-09-23
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CITIC Bank upgraded its 'CITIC Interbank+' platform to a comprehensive service platform.中信银行将'中信同业+'平台升级为综合服务平台。
2024-09-23CITIC Bank upgraded its 'CITIC Interbank+' platform from a single-bank service to a comprehensive platform integrating banking, securities, trust, insurance, and fund services, aiming to build a 'Great Interbank' cooperation ecosystem.中信银行升级“中信同业+”平台，从单一银行服务向“银行+证券+信托+保险+基金+资管”综合服务平台转变，构建“大同业”合作新生态。
Stock buyback and shareholding increase loans股票回购增持贷款
22 · 2024-10-08 → 2026-05-25
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CITIC Bank provided stock buyback and shareholding increase loans to multiple listed companies under the central bank's relending policy.中信银行根据央行再贷款政策，向多家上市公司提供股票回购增持贷款。
2024-10-08CITIC Bank provided the first batch of stock buyback loans to Easyhome (居然之家) under the central bank's new stock buyback and shareholding increase relending policy.中信银行根据央行新设的股票回购增持再贷款政策，向居然之家提供首批回购贷款。
2024-10-20CITIC Bank signed a 2.4 billion yuan stock buyback special loan contract with Muyuan Foodstuff (牧原股份) for share repurchase, with an annual interest rate of 2.25%.中信银行与牧原股份签署24亿元股票回购专项贷款合同，用于股份回购，年化利率2.25%。
2024-10-20CITIC Bank signed a stock repurchase special loan contract with Maxwe (迈为股份), with a loan amount not exceeding 100% of the repurchase amount (up to 100 million yuan).中信银行与迈为股份签订股票回购专项贷款合同，贷款金额不超过回购金额的100%（最高1亿元）。
2024-10-21CITIC Bank successfully landed the market's first batch of stock buyback and shareholding increase relending loans, cooperating with Zhejiang Jiahua Energy (嘉化能源), Muyuan Foodstuff (牧原股份), and Maxwe (迈为股份).中信银行成功落地全市场首批股票回购增持再贷款业务，与浙江嘉化能源、牧原股份、迈为股份达成合作。
2024-10-21CITIC Bank signed a 100 million yuan stock buyback special loan contract with Zhejiang Jiahua Energy (嘉化能源).中信银行与浙江嘉化能源签署1亿元股票回购专项贷款合同。
2024-10-24CITIC Bank signed a 60 million yuan stock buyback special loan contract with Hongbo New Material (宏柏新材) for share repurchase.中信银行与宏柏新材签署6000万元股票回购专项贷款合同，用于股份回购。
2024-12-31CITIC Bank Nanning Branch provided stock repurchase special loan support to Guilin Layn Natural Ingredients (up to 60 million yuan) and Guangxi Tianshan Electronics (up to 80 million yuan), becoming the first bank in Guangxi to complete two such deals.中信银行南宁分行为桂林莱茵生物和广西天山电子提供股票回购专项贷款支持（分别不超过6000万元和8000万元），成为广西首个实现两笔此类业务的银行。
2025-01-05CITIC BANK Nanning Branch provided stock buyback special loans to two Guangxi listed firms: Layn Natural Ingredients (≤RMB 60 mln) and Tianshan Electronics (≤RMB 80 mln), first such deals in Guangxi.中信银行南宁分行为桂林莱茵生物（不超过6000万元）和广西天山电子（不超过8000万元）提供股票回购专项贷款，系广西首两笔此类业务。
2025-01-22CITIC BANK Beijing Branch provided China National Coal Group (中煤集团) with a RMB 450 mln stock buyback special loan, the bank's first such loan to a central SOE for share buyback/increase.中信银行北京分行为中国中煤能源集团提供4.5亿元股票增持回购专项贷款，系该行首单央企股票增持回购专项贷款。
2025-02-28Novastar (301589.SZ) obtained a commitment letter from CITIC Bank Xi'an branch for a stock buyback special loan of up to RMB 50 million, with a term of up to 3 years.诺瓦星云取得中信银行西安分行不超过5000万元股票回购专项贷款承诺函，贷款期限不超过3年。
2025-03-19Provided a loan commitment letter of up to 170 million yuan to Zhengzhou Coal Mining Machinery Group (Zhengmeiji) for its A-share buyback.向郑煤机提供最高不超过1.7亿元贷款承诺函，用于回购A股股票。
2025-04-07CITIC Bank Beijing Branch issued a loan commitment letter of up to 180 million yuan to Innovation New Material Technology Co., Ltd. for A-share repurchase.中信银行北京分行向创新新材料科技股份有限公司出具贷款承诺函，承诺贷款额度不超过1.80亿元，用于回购A股股票。
2025-04-10CITIC Bank announced it has reached stock repurchase and increase loan cooperation intentions with nearly 100 listed companies, with reserve project amount exceeding 30 billion yuan; as of end-March 2025, 55 projects announced totaling 7.597 billion yuan.中信银行宣布已与近百家上市公司达成股票回购增持贷款合作意向，储备项目金额超300亿元；截至3月末累计公告55单，金额75.97亿元。
2025-04-13CITIC Bank Shanghai Branch issued a loan commitment letter of up to 36 million yuan to Hongying Intelligent (001266.SZ) for share repurchase.中信银行上海分行向宏英智能（001266.SZ）出具贷款承诺函，承诺提供不超过3600万元贷款用于回购股份。
2025-04-14CITIC Bank Hangzhou Xiaoshan Branch issued a loan commitment letter of 90 million yuan to Jiansheng Group (603558.SH) for share repurchase.中信银行杭州萧山支行向健盛集团（603558.SH）出具贷款承诺函，承诺贷款额度9000万元用于股票回购。
2025-04-16CITIC Bank Shaoxing Xinchang Branch issued a loan commitment letter of up to 180 million yuan to Zhejiang Pharmaceutical (600216.SH) for share repurchase.中信银行绍兴新昌支行向浙江医药（600216.SH）出具贷款承诺函，承诺贷款额度不超过1.8亿元用于回购股票。
2025-05-06CITIC BANK provided a RMB 45 million loan commitment letter to TianTong Co. for its A-share repurchase program.中信银行为天通股份提供不超过4500万元贷款承诺函，用于A股回购。
2025-05-12CITIC BANK Harbin branch issued a loan commitment letter of up to RMB 32 million to Harbin Air Conditioning's controlling shareholder for share buyback.中信银行哈尔滨分行为哈空调控股股东工投集团提供最高3200万元贷款承诺函，用于增持公司股份。
2025-07-02CITIC Bank Changsha Branch issued a loan commitment letter to Lens Technology for up to 900 million yuan at 1.8% interest, specifically for stock repurchase.中信银行长沙分行向蓝思科技出具贷款承诺函，提供不超过9亿元、利率1.8%的专项贷款用于股票回购。
2025-12-19CITIC Bank Changsha branch issued a loan commitment letter to Yanjin Pu (002847.SZ) for up to 290 million RMB for the company's share repurchase plan.中信银行长沙分行向盐津铺子出具贷款承诺函，提供最高不超过2.9亿元贷款额度用于公司回购股票。
2026-01-27Hua Zhi Jie (603400) received a loan commitment letter from CITIC Bank Suzhou branch for up to 45 million yuan, for stock repurchase purposes.华之杰(603400)收到中信银行苏州分行出具的贷款承诺函，最高不超过4500万元，用于回购公司股票。
2026-05-25Haowu Co. received a loan commitment letter from CITIC Bank Tianjin Branch for up to RMB 18 million, exclusively for share repurchase.浩物股份取得中信银行天津分行贷款承诺函，额度不超过1800万元，仅限用于回购公司股票。
'Going abroad, find CITIC' brand launch'走出去，找中信'品牌发布
1 · 2024-10-17
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CITIC Group launched the 'Going abroad, find CITIC' and 'Coming to China, find CITIC' global service brands.中信集团发布'走出去，找中信'和'来中国，找中信'全球服务品牌。
2024-10-17CITIC Group launched the 'Going abroad, find CITIC' and 'Coming to China, find CITIC' global service brands, covering cross-border financial services for individuals and enterprises.中信集团发布“要出国，找中信”“来中国，找中信”全球综合服务品牌，涵盖个人及企业跨境金融服务。
SFISF transactionsSFISF交易
2 · 2024-10-25 → 2024-11-05
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CITIC Bank completed the first batch of SFISF treasury bond pledged repo transactions with securities firms.中信银行与证券公司完成首批SFISF国债质押式回购交易。
2024-10-25CITIC Bank completed the first batch of SFISF (Securities, Funds, Insurance Companies Swap Facility) treasury bond pledged repo transactions with Guotai Junan Securities and CITIC Securities.中信银行携手国泰君安证券和中信证券落地全市场首批SFISF项下国债质押式回购交易。
2024-11-05CITIC Bank completed the first batch of SFISF (Securities, Funds, Insurance Companies Swap Facility) treasury bond repo transactions with Guotai Junan Securities and CITIC Securities.中信银行与国泰君安证券、中信证券完成首批SFISF国债质押式回购交易。
Rights issue suspension and extension配股暂停与延期
6 · 2024-10-31 → 2026-03-20
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CITIC Bank's A-share rights offering was suspended by the Shanghai Stock Exchange due to auditor change, and the board later extended the resolution validity.中信银行A股配股因审计师变更被上交所暂停，董事会随后延长了决议有效期。
2024-10-31Shanghai Stock Exchange suspended CITIC Bank's A-share rights offering review due to the need to replace the accounting firm (PricewaterhouseCoopers).上交所中止中信银行向原A股股东配售股份的审核，因需要更换申报的会计师事务所（普华永道）。
2024-11-01CITIC Bank's 400 billion yuan rights offering suspended by Shanghai Stock Exchange due to auditor PwC being replaced.中信银行400亿元配股再融资因更换会计师普华永道被上交所中止审核。
2025-01-24CITIC BANK's A-share rights issue (up to RMB 40 bln) was suspended by the Shanghai Stock Exchange due to a change of auditor.中信银行A股配股（不超过400亿元）因更换会计师事务所被上交所中止发行上市审核程序。
2025-03-26Board approved extending the validity period of the rights issue (peigu) resolution by 12 months to June 22, 2026, pending regulatory approval.董事会审议通过将配股股东大会决议有效期延长12个月至2026年6月22日。
2026-03-18CITIC Bank announced an extraordinary general meeting on April 10, 2026, to consider extending the authorization period for the board to handle rights issue matters by 12 months to April 11, 2027.中信银行宣布将于2026年4月10日召开临时股东会，审议将配股相关事宜授权期限延长12个月至2027年4月11日。
2026-03-20CITIC Bank's board approved a proposal to extend the validity period of the rights issue resolution by 12 months to June 22, 2027.中信银行董事会审议通过将配股方案决议有效期延长12个月至2027年6月22日。
'Happiness+' pension financial service system'幸福+'养老金融服务体系
4 · 2024-11-29 → 2025-11-21
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CITIC Bank upgraded its 'Happiness+' pension financial service system, releasing new versions and reports.中信银行升级'幸福+'养老金融服务体系，发布新版本和报告。
2024-11-29CITIC Bank released 'China Resident Pension Wealth Management Development Report (2024)' and industry-first 'Retirement Community White Paper', upgraded 'Happiness+' pension account to version 3.0.中信银行发布《中国居民养老财富管理发展报告(2024)》及行业首本《养老社区白皮书》，升级“幸福+”养老账本至3.0。
2024-12-02CITIC Bank held the 2nd 'Xin·Xin' Brand High-quality Development Forum in Beijing, upgrading the 'Happiness+' elderly financial service system and releasing the 'Science and Technology Achievement Transformation Loan' (科技成果转化贷), piloted in Beijing and to be promoted nationwide.中信银行在北京举办第二届“信·新”品牌高质量发展论坛，升级“幸福+”养老金融服务体系，并发布“科技成果转化贷”，以北京为试点向全国推广。
2024-12-03CITIC Bank upgraded and released the 'Happiness+' Pension Ledger 3.0, adding features such as nationwide elderly community browsing (29 cities, 67 communities), VR tours, and map navigation.中信银行升级发布“幸福+”养老账本3.0，新增全国29个城市67个养老社区的在线浏览、VR带看和地图导航功能。
2025-11-21CITIC Bank upgraded its 'Happiness+' (幸福+) pension financial service system, launching the 'Pension Ledger 3.0 Enjoy Retirement Edition' and releasing the 'China Resident Pension Wealth Management Development Report (2025)'.中信银行升级“幸福+”养老金融服务体系，推出“养老账本3.0享老版”，并发布《中国居民养老财富管理发展报告（2025）》。
Shareholding & Stake Changes持股与股权变动
12 · 2024-12-12 → 2026-06-01
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Changes in major shareholder holdings, stake acquisitions, and minority investments.主要股东持股变动、股权收购及少数股权投资。
2024-12-12CITIC Bank announced that controlling shareholder CITIC Financial Holdings will acquire 285.186 million H-shares from Metal Link and 10.313 million H-shares from Fortune Class via agreement, an internal transfer among concert parties, not changing total shareholding.中信银行公告，控股股东中信金控拟协议受让Metal Link持有的2.85亿股H股及Fortune Class持有的1031.3万股H股，为一致行动人之间内部转让，持股总数不变。
2025-01-10CITIC BANK's controlling shareholder CITIC Financial Holdings signed share transfer agreements with Metal Link (285.186 mln H-shares, 0.53%) and Fortune Class (10.313 mln H-shares, 0.02%) to consolidate H-share holdings; total shareholding unchanged.中信银行控股股东中信金控与Metal Link（2.85186亿股H股，0.53%）和Fortune Class（1031.3万股H股，0.02%）签署股份转让协议，整合H股持股；总持股比例不变。
2025-02-12CITIC Bank's controlling shareholder CITIC Financial Holdings agreed to acquire 285 million H-shares from Metal Limited and 10.31 million H-shares from Fortune Class Investments Limited, with total shareholding unchanged after completion.中信银行控股股东中信金控拟受让Metal Limited持有的2.85亿股H股及Fortune Class Investments Limited持有的1031万股H股，完成后持股总数不变。
2025-03-03CITIC Financial Holdings increased its shareholding ratio to 64.79% via an internal transfer, while Metal Link and Fortune Class ceased to hold shares.中信金控通过内部转让持股比例提升至64.79%，Metal Link和Fortune Class不再持股。
2025-03-12Ruixian Insurance (Ruizhong Baoxian) increased its H-share holdings to 5%, triggering a disclosure requirement.瑞众保险增持中信银行H股至5%，触发举牌。
2025-05-14CITIC BANK reduced its stake in XinZhi Group to below 5% by transferring trust beneficial rights, no longer holding any shares via its trust-controlled asset management plan.中信银行通过转让信托受益权减持信质集团股份至5%以下，不再通过信托计划持股。
2025-06-30Ruizhong Insurance reduced its stake in CITIC Bank H-shares by 3 million shares on June 26, lowering its H-share holding to 4.99%.瑞众保险于6月26日减持中信银行H股300万股，持股比例降至4.99%。
2025-08-09CITIC BANK makes a new investment in New Classic Culture Co., Ltd., holding 0.34% stake, a company in the news and publishing industry.中信银行新增对外投资新经典文化股份有限公司，持股0.34%，该公司从事新闻和出版业。
2025-08-15CITIC BANK makes a new investment in Shenzhen Dingyang Technology Co., Ltd., holding 1.27% stake, a company in the instrument and meter manufacturing industry.中信银行新增对外投资深圳市鼎阳科技股份有限公司，持股1.27%，该公司从事仪器仪表制造业。
2025-08-20CITIC BANK makes a new investment in Anhui Guangxin Agrochemical Co., Ltd., holding 0.56% stake, a company in the chemical raw materials and chemical products manufacturing industry.中信银行新增对外投资安徽广信农化股份有限公司，持股0.56%，该公司从事化学原料和化学制品制造业。
2025-08-28CITIC BANK makes a new investment in Jifeng Sannong Technology Service Co., Ltd., holding 1% stake, a company in the research and experimental development industry.中信银行新增对外投资吉峰三农科技服务股份有限公司，持股1%，该公司从事研究和试验发展。
2026-06-01CITIC BANK (中信银行) acquires 14.52% equity stake in Yunnan Hongta Bank (云南红塔银行) for RMB 980.6 million, becoming the final buyer.中信银行以9.806亿元收购云南红塔银行14.52%股权，成为最终受让方。
Consumer & Retail Banking消费与零售银行
5 · 2024-12-12 → 2025-10-10
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Consumer loans, credit cards, and retail banking services for individuals.消费贷款、信用卡及个人零售银行服务。
2024-12-12CITIC Bank announced it will batch open personal pension fund accounts for customers who pre-registered for automatic account opening on the day the national personal pension system is fully implemented (December 15, 2024).中信银行通知，将在个人养老金制度全面实施当天（2024年12月15日）为预约自动开户客户批量开通个人养老金资金账户。
2025-06-12CITIC Bank listed 21 non-performing personal consumer and operating loans on the YinDeng platform for transfer, with a total debt of RMB 2.51 billion and a starting price of RMB 260 million (approx. 10.4% of total).中信银行在银登网挂牌转让21笔个人消费及经营性不良债权，债权总额25.1亿元，起始价2.6亿元（约10.4%）。
2025-07-24CITIC Bank Changsha Branch established a New Consumption Business Unit and launched a new consumption scenario finance plan; by end-June, consumer credit loan disbursement reached 1.9 billion yuan.中信银行长沙分行成立新消费事业部，推出新消费场景金融领航计划，截至6月底信用消费贷款投放规模达19亿元。
2025-08-14CITIC BANK announces it will promote the fiscal interest subsidy work for personal consumption loans in accordance with the 'Implementation Plan for Fiscal Interest Subsidy on Personal Consumption Loans' (Cai Jin [2025] No. 80).中信银行宣布将根据《个人消费贷款财政贴息政策实施方案》（财金〔2025〕80号），积极推动个人消费贷款财政贴息工作。
2025-10-10CITIC Bank launched 'Future Letter' national interactive experience exhibition in Shenzhen JD MALL, starting a 25-city tour, and held 'Scenario Finance' launch ceremony with JD.com and China UnionPay.中信银行在深圳京东MALL启动“未来来信”全国互动体验展（25城巡展），并与京东、中国银联等举行“场景金融”启航仪式。
Donations & Social Responsibility捐赠与社会责任
2 · 2024-12-27 → 2026-02-28
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Charitable donations and community support activities.慈善捐赠及社区支持活动。
2024-12-27CITIC Bank Chenzhou Branch donated 200,000 yuan to Zixing Changcun Village for post-disaster reconstruction after Typhoon 'Gaemi' caused severe damage.中信银行郴州分行向受“格美”台风严重灾害的资兴长坌村捐赠20万元，用于道路建设等灾后重建项目。
2026-02-28CITIC Bank Anqing Branch exchanged 10,300 yuan for a customer's fire-damaged banknotes, achieving an 86% exchange rate after 3 hours of processing.中信银行安庆分行为客户兑换火烧残损人民币1.03万元，兑换率达86%，历时3小时。
'Five Integration' rural revitalization system'五融'乡村振兴服务体系
2 · 2025-02-22 → 2025-03-02
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CITIC Bank launched the 'Five Integration' collaborative rural revitalization comprehensive service system.中信银行推出'五融'协同乡村振兴综合服务体系。
2025-02-22CITIC Bank officially launched the 'Five Integration' collaborative rural revitalization comprehensive service system, covering financing, intelligence, industry, construction, and sales.中信银行正式发布涵盖“融资、融智、融产、融建、融销”五大领域的“五融”协同助力乡村振兴综合服务体系。
2025-03-02Launched the 'Five Synergies' (Wurong) comprehensive service system for rural revitalization, covering financing, advisory, industry, construction, and sales.推出“五融”协同助力乡村振兴综合服务体系，涵盖融资、融智、融产、融建、融销五大领域。
Xinyin Financial Asset Investment Co., Ltd.信银金融资产投资有限公司
6 · 2025-05-08 → 2025-12-17
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CITIC Bank invested RMB 10 billion to set up a wholly-owned subsidiary, Xinyin Financial Asset Investment Co., Ltd., for debt-to-equity swaps.中信银行投资100亿元设立全资子公司信银金融资产投资有限公司，开展债转股业务。
2025-05-08CITIC BANK announced it will invest RMB 10 billion to set up a wholly-owned subsidiary, Xinyin Financial Asset Investment Co., Ltd., to conduct market-oriented debt-to-equity swaps and pilot businesses.中信银行公告拟出资100亿元人民币设立全资子公司信银金融资产投资有限公司，开展市场化债转股及试点业务。
2025-06-03CITIC Bank received regulatory approval to prepare for the establishment of Xinyin Financial Asset Investment Co., Ltd. with a registered capital of RMB 10 billion, wholly owned by the bank.中信银行获监管批准筹建信银金融资产投资有限公司，注册资本100亿元，由银行全资持有。
2025-08-28CITIC BANK announces at its 2025 H1 results briefing that its application to establish a financial asset investment company (AIC), XinYin Financial Asset Investment Co., Ltd., with a wholly-owned investment of RMB 10 billion, has been approved for preparation by the National Financial Regulatory Administration.中信银行在2025年半年度业绩发布会上表示，其拟以自有资金100亿元设立全资子公司信银金融资产投资有限公司（AIC）的筹建申请已获国家金融监督管理总局批复。
2025-11-21CITIC Bank received regulatory approval to establish Xinyin Financial Asset Investment Co., Ltd. with registered capital of 10 billion RMB, wholly owned by CITIC Bank, located in Guangzhou, Guangdong.中信银行获监管批准设立信银金融资产投资有限公司，注册资本100亿元人民币，由中信银行全资持股，注册地为广东省广州市。
2025-11-23CITIC Bank's wholly-owned subsidiary Xinyin Financial Asset Investment Co., Ltd. (信银金投) was approved to open, with a registered capital of 10 billion yuan and registered in Guangzhou, becoming the second joint-stock bank AIC.中信银行全资子公司信银金融资产投资有限公司（信银金投）获准开业，注册资本100亿元，注册地广州，成为国内第二家股份制银行AIC。
2025-12-17Xinyin Financial Asset Investment Co., Ltd. (Xinyin Jintou) was inaugurated in Guangzhou, with a signing ceremony for cooperation agreements with 12 enterprises in technology finance, smart manufacturing, and green energy.信银金融资产投资有限公司（信银金投）在广州揭牌开业，并与科技金融、智能制造、绿色能源等领域的12家企业签署了合作协议。
'Bank+Insurance+Trust+Senior Care' elderly care service'银行+保险+信托+养老'养老服务
2 · 2025-06-30 → 2025-07-03
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CITIC Bank launched an innovative 'Bank+Insurance+Trust+Industry' four-in-one trust-based elderly care service.中信银行推出创新的'银行+保险+信托+产业'四位一体信托养老服务体系。
2025-06-30CITIC Bank, together with CITIC Trust, CITIC-Prudential Life, and CITIC Senior Living, launched an innovative 'Bank+Insurance+Trust+Industry' four-in-one trust-based elderly care service, with the first order landed at CITIC Bank Shanghai Branch.中信银行协同中信信托、中信保诚人寿、中信养老等推出“银行+保险+信托+产业”四位一体信托养老服务，首单在上海分行落地。
2025-07-03CITIC Bank launched a 'Bank + Insurance + Trust + Senior Care' integrated trust-based elderly care service, with first order landed at Shanghai branch.中信银行创新推出“银行+保险+信托+养老”四位一体信托养老服务，首单在上海分行落地。
'Xiao Tian Yuan' enterprise ecosystem platform'小天元'企业生态服务平台
7 · 2025-07-14 → 2025-11-24
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CITIC Bank launched the 'Xiao Tian Yuan' enterprise ecosystem service platform for SME digital transformation.中信银行推出'小天元'企业生态服务平台，助力中小企业数字化转型。
2025-07-14CITIC Bank launched the 'Xiao Tian Yuan' enterprise ecosystem service platform, a 'digital + finance + ecosystem' solution for SME digital transformation.中信银行焕新发布“小天元”企业生态服务平台，以“数字+金融+生态”模式赋能中小企业数智化。
2025-07-30CITIC Bank Chifeng Branch held a 'Xiao Tian Yuan' enterprise salon, where 14 out of 16 attending enterprises signed up for the platform on the spot.中信银行赤峰分行举办“小天元”银企沙龙，16家企业代表参会，14家当场签约。
2025-09-04CITIC Bank Hohhot Branch promoted the 'Xiaotianyuan' platform at a product launch, an integrated 'business-finance-asset-payment' digital solution for SMEs, aligning with Inner Mongolia's digital industrialization strategy.中信银行呼和浩特分行在推介会上推广“小天元”平台，该平台是“业财资付”全链路数字化方案，助力中小企业数字化转型，契合内蒙古数字产业化战略。
2025-10-18CITIC Bank held Zhejiang regional launch of 'Xiao Tianyuan' platform in Hangzhou, a free SaaS digital platform for SMEs integrating AI and big data.中信银行在杭州举行“小天元”平台浙江区域发布会，该平台为免费SaaS模式，融合AI和大数据，助力中小企业数字化转型。
2025-10-21CITIC Bank officially launched 'Xiao Tianyuan' enterprise ecosystem service platform, offering 'digital + finance + ecology' model for SME digital transformation.中信银行正式推出“小天元”企业生态服务平台，以“数字+金融+生态”模式赋能中小企业数智化转型。
2025-11-14CITIC Bank Baotou Branch launched the 'Xiaotianyuan' (小天元) one-stop digital service platform for enterprise customers, solving the cross-province payroll distribution problem for a construction company.中信银行包头分行上线“小天元”业财金服务平台，为某建筑企业解决跨省农民工工资代发难题。
2025-11-24CITIC Bank Suzhou Branch held the 'Xiaotianyuan' (小天元) enterprise ecological service platform launch event in Suzhou, aiming to empower SME digital transformation.中信银行苏州分行举办“小天元”企业生态服务平台苏州区域发布会，赋能中小企业数智化跃迁。
'Galaxy' corporate banking system'银河'对公信贷系统
3 · 2025-11-01 → 2026-03-23
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CITIC Bank launched the 'Galaxy' project, a large-scale corporate banking system cluster.中信银行上线'银河'项目，一个大规模对公信贷系统集群。
2025-11-01CITIC Bank's 'Galaxy' project, a large-scale corporate banking system cluster, was officially launched after three years of development, covering credit marketing, approval, and management, and restructuring 120 systems.中信银行历时三年打造的对公业务系统群建设项目“银河”项目正式投产，覆盖客户营销、授信审批及管理等领域，配套改造120个系统。
2025-11-04The 'Galaxy' project, the largest system cluster construction in CITIC Bank's history, was officially launched after three years of development, adopting microservices architecture and Xinchuang distributed database, using AI to enhance credit risk control.历时三年打造的系统群建设项目“银河”项目正式投产，是中信银行历史上规模最大的系统群建设项目，全面采用微服务架构和信创分布式数据库，运用AI技术提升授信业务风控能力。
2026-03-23CITIC Bank Vice President Gu Lingyun stated at the results conference that the bank's 'Galaxy' corporate credit business system was successfully launched in 2025, and it won five PBOC Financial Technology Development Awards, including one first prize.中信银行副行长谷凌云在业绩会上表示，2025年对公授信业务系统群“银河”成功投产，荣获人民银行金融科技发展奖五项，其中一等奖一项。
'Cross-border Payment Connect' product'跨境支付通'产品
1 · 2025-11-24
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CITIC Bank launched the 'Cross-border Payment Connect' product for real-time cross-border fund transfers.中信银行推出'跨境支付通'产品，支持实时跨境资金转账。
2025-11-24CITIC Bank officially launched the 'Cross-border Payment Connect' (跨境支付通) product, based on the interconnection of IBPS and overseas fast payment systems, supporting real-time cross-border fund transfers between mainland and Hong Kong bank accounts.中信银行“跨境支付通”产品正式上线，基于IBPS与境外快速支付系统互联互通，支持内地与香港银行账户间实时跨境资金划转。
'CITIC Carbon Account''中信碳账户'
1 · 2026-04-23
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CITIC Bank's credit card launched the first personal carbon reduction account led by a bank in China.中信银行信用卡推出国内首个银行主导的个人碳减排账户。
2026-04-23CITIC Bank Credit Card launched a service on its 'Carbon Account' allowing users to directly exchange carbon emission reductions for installment interest deduction coupons.中信银行信用卡“中信碳账户”正式上线碳减排量直兑分期利息抵扣服务。
'Computing Power Loan' product'算力贷'产品
1 · 2026-04-23
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CITIC Bank Beijing Branch launched a 'Computing Power Loan' product for GPU server purchases.中信银行北京分行推出'算力贷'产品，用于GPU服务器采购。
2026-04-23CITIC Bank Beijing Branch launched a 'Computing Power Loan' product, granting nearly RMB 100 million in credit to Beijing Paratera Technology Co., Ltd. for GPU server purchases.中信银行北京分行推出“算力贷”产品，给予北京并行科技近亿元授信额度用于购买GPU服务器。
'Focus on Central Asia' cross-border plan'聚焦中亚'跨境服务方案
1 · 2026-06-03
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CITIC Bank launched a 'Focus on Central Asia' one-stop cross-border comprehensive financial service plan.中信银行推出'聚焦中亚'一站式跨境综合金融服务方案。
2026-06-03CITIC BANK launches 'Focus on Central Asia' one-stop cross-border comprehensive financial service plan in Urumqi, leveraging Altyn Bank (哈萨克斯坦阿尔金银行) and six core modules.中信银行在乌鲁木齐发布“聚力中亚”一站式中亚跨境综合金融服务方案，联动哈萨克斯坦阿尔金银行，集成六大核心模块。
