中信银行：2025年中期报告

2025 2025 20258 27202599 20252025101.882025 2025 2025 4 510 2.1584 86 109 121 133 經營概覽 釋義 第一章 公司基本情況簡介 1.1 1.2 1.3 1 . 3 . 4 1 . 3 . 6 20256 第二章 管理層討論與分析 2.1 5.3%3.7%5.3%5.5% 202520256467.37.9%1.49%0.02211.97%3.841.2 2.2 +23 2.3 4 5 6 2025Brand Finance50019 2.4 364.782.78%1,054.262.96%712.011.94%342.255.01%4.11%2.452.29%1.36 671.346.490.98%1.16%207.53%1.900.42 98,584.663.42%58,019.001.43%61,069.075.69% 2.5 2 . 5 . 1 364.782.78% 2 . 5 . 1 . 1 1,054.262.96%67.5%0.732.5%0.7 % 2 . 5 . 1 . 2 712.0114.071.94% 1.63%0.141.60%0.113.33%0.501.73%0.39 2 . 5 . 1 . 3 1,451.22118.117.53%74.85%18.24%1.91%4.58%0.42% 1,086.22111.119.28%0.562,496.400.573,162.1224.580.69402.5771.87 264.7812.404.47%0.311,390.46 27.712.237.45%144.920.06 66.427.9813.66%1,828.450.73 6.090.355.43%0.1619.71 2 . 5 . 1 . 4 739.21104.0412.34% 482.4450.399.46%0.334,864.11 78.0032.4529.38%0.58439.26 135.976.044.25%0.461,972.93 11.0423.0667.62%1,643.310.48 29.358.0637.86%1,090.630.22 2.410.16 2 . 5 . 1 . 5 342.2518.075.01%32.46%0.71 2 . 5 . 1 . 6 169.065.533.38%16.04%0.9910.2625.12%4.9018.81%2.8411.35%2.1116.23%9.7712.29%2.6.4 2 . 5 . 1 . 7 164.4027.69 2 . 5 . 1 . 8 296.2813.304.30%27.04%0.42 2 . 5 . 1 . 9 295.8648.2714.03%254.6645.0815.04% 2 . 5 . 1 . 1 0 95.4816.6821.17%20.48%2.47 2 . 5 . 2 2 . 5 . 2 . 1 98,584.663.42% 58,019.001.43%57.6%1.194.0% 27,828.751,560.865.94% 20,860.131,807.849.49% 2025630 76.413.97%21 17 22.7111.3411.37 2 . 5 . 2 . 2 90,255.013.44% 61,069.073,286.765.69%68.6%1.443,243.962,078.105.05%17,825.111,208.667.27% 2 . 5 . 3 8,329.653.17% 2 . 5 . 4 787.4897.19%0.0123.751.65%0.016.491.16% 32,255.993,174.8210.92%23,507.55113.550.48%2,255.462,243.5549.87% 0.130.130.046.36 6,473.946,261.064,593.622,971.609.21%0.59200912.21621.55224.90221.20 60.84%0.130.320.21 0.20 0.14 58,019.00817.721.43%17,360.7513,845.718,415.8329.92%23.86%14.51%888.38294.67 435.4364.86%11.490.126.830.01 28,707.761,983.9849.48%2.7627,055.781,077.2946.63%1.22 874.131.51%8.62% 866.97159.390.31 302.100.52% 1,393.250.85207.53%2.40%1.900.03 2 . 5 . 5 2 . 5 . 6 286.513,419.09 1,711.39616.39 1,393.7443.3% 2 . 5 . 7 13.47%0.1110.94%0.329.49%0.236.98%0.08 2 . 5 . 8 2 . 5 . 1 0 2 . 5 . 1 0 . 1 2 . 5 . 1 0 . 2 312019620243 2.6 2 . 6 . 1 29,930.443,133.7711.69%3.0128,873.742,967.570.010.02 77,014.153,485.3714,292.206,798.366,306.101,008.50479.24818.92358.82307.8516.79%15.94%6.08%5.57%5.13%72.14%0.12 +++ 3,957.051,172.9019.61%1,032.6218,303.74149.62LPR 2 . 6 . 2 41,696.162,003.065.05%40,187.536.44%1.48%32BPs 15,659.971,063.637.29%4,448.2728.41%0.48702.504.49%0.411.85%29BPs8 2 . 6 . 3 1.63%14BPs2BPsLPR 2 . 6 . 4 342.255.01%169.063.38%69.7312.29%30.9518.81%51.1025.12%15.1116.23% 173.1911.99% 2 . 6 . 5 2 . 6 . 5 . 1 16 3,860.11143.402,971.60120.119.21%0.59943.0519.301.89%0.3275% 2 . 6 . 5 . 2 10,710.17384.3675.96% 0.50%0.010.72%0.04 2 . 6 . 5 . 3 10 1,024.96354.0768.11%49.7%66%0.90.09%1.44% 2 . 6 . 5 . 4 2,720.562.44%1.13%3.56% 125.162.792.73%0.22 2 . 6 . 6 1.16%0.55%0.07 404.59124.68188.89 2 . 6 . 7 ++AI+ 20%600AIDeepseekQwen 70 AI1,6008,600AI+2.1312AI+AI2,830AI+AI+(OCR)AIAI80%AI+AI(NLP) 2.7 2 . 7 . 1 4.996.52% 20%9 +7.575.34% ++++15.14% 2 . 7 . 2 +++14.783.43% 3.569,00014.24%29.11%NRA/FT/EF700.5063.39% 1,2684,431.2088121.35 636.16650.68 2 . 7 . 3 AI95558+ 2 . 7 . 4 +++++ NRA/FT/EF 198.397.75%1,529.4113,34841.50%22.20%20 37 2 . 7 . 5 2.02.0AI95558 570%290%2.845%+17 56% 2,700 ++1590080%8+4.6 eee3e2B2C2 AI+578 ++4444%7 (MPP)20%50% RPAOCR1,800800RPA60% 2.8 2 . 8 . 1 463.324.62%47.90%4.1675.0925.29%1.77 2 . 8 . 1 . 1 132.866.201031.891117.791,7332,100 12 20198,224 12,984.1813.17%17,277.513.85% 90400++2,000 9.69130.343.64%13,856.51412.443.07% 14 15+16 1730.790.129,094.05243.51 2 . 8 . 1 . 2 1810% eee + 1917,366.57807.94206,306.10307.850.42 11,083.302116.08% 1,2684,431.202241% 88121.35 22135 2324256,606.378.14% ++2126774 9.217.63%10,947 3.0 ++++ AI 403 AI44%1,000 137.54 128.985.05%92.599.65% 2.01603,4002.55,0002.84,4253,100 4,435.466,0567.671.47201,6004402,000268,8825.47%2,498.540.07% 1717.252719.005.61%2025 3,510.21354.21282.691,725.243.323,803.79 2,429.27 5,381.01303.783,535.12766 +++25.66608.515,4004200% 3.246392,540.522918.02%549.90 2 . 8 . 1 . 3 5G 29,930.443,133.771.09%0.10 2 . 8 . 2 + 381.108.42%39.40%91.2518.22%30.73%53.8918.15% 2 . 8 . 2 . 1 1.492.30% 3062.312.86% 31476.783.91%1.2013.90%15.824.84% 329.219.57%1.289.33% Z+ +++++·3315.14% 1,302.125.12% Z34ZIPBZ4,504.861,571.481,694.28 2 . 8 . 2 . 2 1.454.11% +1,544.9411 162.6464%6 ESGESG6501070958.733503 AI 3.0AgentAI57895% 18,303.74149.620.82% 10,710.17384.363.72% 4,187.2470.741.72% 352,720.56 55.48%10.79GOODGOPASSi 99365367,20040843AIAI26442,0003,800AIAppDeepSeek20 1.262.12%4,584.5510,854.1212.54%244.8614.61% 1.50%3740.96%7.57 ++20.79%21.96% ++1.91% MAU15.10% 705,381.015,000257.8517.83%