中信银行2024年中期报告

年 中 期 報 告2024 2024 20248 28202499 20242024101.84720246 30AH53,456,539,58820249,873,422,861.902024 2024 2024 45102.1102.2112.3112.4122.5132.6372.7402.8462.9692.10742.11752.12752.137576(ESG)91101111121123125 經營概覽 釋義 第一章 公司基本情況簡介 1.2 1.3 1 . 3 . 1 1 . 3 . 2 1 . 3 . 4 1 . 3 . 6 20246 第二章 管理層討論與分析 2.1 5.0%3.5%5.8%4.6% 1-61.30.4%433.16.6%3.31.56%209.32%15.53% 2.2 +23 2.3 4 5 6 2024Brand Finance2024500191 2.4 1,086.402.60%726.080.82%360.3210.26%354.901.60%(ROAA)0.79%0.06(ROAE)10.83%1.49 665.8017.802.75%1.19%0.01206.76%0.832.46%0.01 91,046.230.58%55,936.711.73%55,148.792.16% 2.5 2 . 5 . 1 354.901.60% 2 . 5 . 1 . 1 1,086.402.60%66.8%2.333.2%2.3 % 2 . 5 . 1 . 2 726.085.980.82% 1.77%0.081.71%0.103.83%0.192.12%0.09 2 . 5 . 1 . 3 1,569.3323.041.45%76.30%17.66%3.72%1.91%0.41% 1,197.3324.802.03%0.312,444.931,236.414.021,473.5613.00 277.188.222.88%0.14293.36 29.942.267.02% 58.4410.4221.70%278.870.35 6.441.8239.39%53.100.43 2 . 5 . 1 . 4 843.2517.061.98% 532.8341.247.18%37.460.16 110.4517.5613.72%2,167.840.11 142.0119.1415.58%1,694.560.05 34.1015.0679.10%1,298.300.15 21.297.5655.06%749.170.07 2.570.02 2 . 5 . 1 . 5 360.3233.5310.26%33.17%2.31 2 . 5 . 1 . 6 163.5327.1014.22%15.05%2.950.877.17%0.230.93%13.1524.36%9.5326.78%2.503.05%2.6.4 2 . 5 . 1 . 7 192.0960.82 2 . 5 . 1 . 8 309.5817.115.85%27.46%0.82 2 . 5 . 1 . 9 344.132.930.84%299.7424.398.86%13.8618.8357.60% 2 . 5 . 1 . 1 0 78.8022.2039.22%18.01%4.65 2 . 5 . 2 2 . 5 . 2 . 1 91,046.230.58% 55,936.711.73%60.1%0.792.4% 25,152.47846.293.26% 17,983.70556.423.00% 2024630 73.155.33%21 17 23.4811.3412.14 2 . 5 . 2 . 2 82,888.720.35% 55,148.791,166.962.16%67.5%1.839,481.81158.140.40%15,666.981,008.826.88% 2 . 5 . 3 8,157.5111.04% 2 . 5 . 4 897.6997.19%0.0637.781.62%0.0517.801.19%0.01 29,179.822,208.328.19%23,287.07448.611.96%3,469.821,703.6632.93%6.750.1225.280.090.730.01 5,873.685,252.174,653.412,775.479.51%0.11200559.44307.71252.15 62.06%23.6411.563.432.082.350.29 55,936.71953.271.73%16,223.4714,022.117,949.6629.00%25.07%14.21%840.7896.54 437.6365.73%18.430.2517.250.20 26,967.991,869.7148.22%2.5825,498.90787.2245.58%0.63 1,041.32147.060.25 221.140.40% 1,376.5831.41206.76%2.46%0.830.01 2 . 5 . 5 2 . 5 . 6 3,419.091,230.182,188.91 616.39443.92172.47 2,456.16168.38 2 . 5 . 7 20231013.69%11.57%9.43%7.39% 2 . 5 . 8 2 . 5 . 1 0 2 . 5 . 1 0 . 1 2 . 5 . 1 0 . 2 312019620243 2.6 2 . 6 . 1 26,949.252,152.838.68%2,178.18200LPR 75,292.772,798.2813,137.255,817.15702.55212.48676.26366.4015.31%8.22%5.43%6.72%5,259.601.11%90.50%0.37 17,690.20581.193.40%172.86243.51129.494,199.91326.58LPR 2 . 6 . 2 38,182.95352.630.93%37,757.462.49%1.80%18BPs 813,845.61796.066.10%643.8690.984.65%0.9813,239.877.53%2.14%10BPs 2 . 6 . 3 1.77%8BPsLPR 2 . 6 . 4 360.3233.5310.26%163.5327.1014.22%79.502.503.05%40.8413.1524.36%26.059.5326.78%25.020.230.93%13.000.877.17% 196.7960.6344.53% 2 . 6 . 5 55,936.71953.27665.8017.801.19%0.01904.4737.781.62%0.05206.76%0.832.46%0.01 2 . 6 . 5 . 1 16 3,631.62179.242,775.47181.849.51%0.11508.0513.99326.1471.3380% 2 . 6 . 5 . 2 76.55%1.9374.45%0.06 9,884.57172.860.71%0.210.30%0.0540% 2 . 6 . 5 . 3 1,974.65124.0668%56%82%0.410.02% 2 . 6 . 5 . 4 2.57%0.03 2 . 6 . 6 404.37 2.7 2 . 7 . 1 94.424.41% ++2.0 10 3.0APPAI +++++ M+ 2 . 7 . 2 ++++13.432.14% NRA/FT/EF519.363.53.17,30026.69%6.83% 1,0074,386.7520.04%447 295.04 179.03 2 . 7 . 3 1,8371,687.065.036 101.13,20030.26% 2 . 7 . 4 14.43% 720 51.155.6244.60%QDII11 EFNRA/FT/EF57.84%15.45% 418++++4+N327AI 2 . 7 . 5 30%+250%1.5+ 1.14.2300OCRRPAOCR475%+50%115% 2024AI 5,6528.86% 2023732795%AIAI3,001.0324.91% AI 2.8 2 . 8 . 1 442.842.44%43.74%0.0376.9323.52%2.67 2 . 8 . 1 . 1 121.365.601229.301316.39145.050.650.46738 15 10,835.337.75%15,815.087.36% 400600180 8.80160.151.77%13,442.59 + 1728.270.698,244.63 2 . 8 . 1 . 2 AI 10% 1816,006.221,353.6532.082.05195,817.15366.4030.422.06 1,0074,386.7520485.3544447 42.3710,182.78 3.0 ++++4+N 56EF51.155.6212.64 15.45%+2005,000 5,07720.22%1,300 115.525.56%3.17,378.5026.69%6.83% + 2.422,470.49REITs4,653.95QDII2,361.82391.60578.41 AI 1515.447,570.4217.990.132,550.821,023.512024 208,2232.49% 93%6% 1,461.1518.96%3.02%2,409.060.20% + 2,033.42411.052 2 . 8 . 1 . 3 5G 26,949.252,152.831.13%0.16 2 . 8 . 2 + 416.142.14%41.10%111.5811.32%34.11%62.6619.16% 2 . 8 . 2 . 1 1.413.07% APPAI1,7291.80% 447.974.49% 7.987.98%11,163.08 Z ++++418.62+212,506.525.80% 1,173.526.22% Z22ZZIPB3,209.3223 2 . 8 . 2 . 2 1.389.21% 1,560MAU100 129.1748.91% 13,845.61796.066.10% 46ESG2.173.11 172.86243.511.738 17,690.20581.193.40% iproi365277001,013 APPAPP4 15 AIAI12% 11,963.003.56%5,040.9112,410.728.44%286.773.37% ++1+1+N3.36%0.14% 74.63%18.66% 623160156 945366020 +116.7525.93% +ZCFOZ220.07+418.62+ 100%+ IVR2460 ++2024 2 . 8 . 2 . 3 + 170.6327.480.96%0.12 129.412.572.57%0.03 2 . 8 . 3 139.799.84%13.81%132.4817