1, it is worth noting that the housing loan business of CITIC Bank is facing downward pressure. According to the data, by the end of June, 20021,the total loans and advances of CITIC Bank were 47 1 trillion yuan, and the balance of individual housing loans was 9536 1 billion yuan, accounting for 20.25%. At the end of last year, the China Banking Regulatory Commission issued the Notice on Establishing a Centralized Management System for Real Estate Loans of Banking Financial Institutions, and personal housing loans of the second medium-sized Chinese banks accounted for 20%. It can be seen that CITIC Bank slightly exceeds the regulatory ceiling.
2. In addition, the 20021semi-annual report of CITIC Bank shows that as of the end of 20021month, the non-performing loan ratio of CITIC Bank was 1.50%, while the non-performing loan ratio of the real estate industry was as high as 3. 1%, ranking high among Chinese medium-sized banks.
3.CHINACITICBANK, formerly known as CITIC Industrial Bank, was established in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing. The major shareholder is China CITIC Company Limited. Bancobilbaovizcaya Argentina (S. Abbva) spent 5.065438 billion euros (about 5.02 billion Hong Kong dollars) to buy a 5% stake in CITIC Bank, or it may choose to increase its shareholding in CITIC Bank to 10.07%. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, * * * employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.
4. On May 9, 2020, the Consumer Protection Bureau of the China Banking Regulatory Commission reported that in March, 2020, CITIC Bank provided personal bank account transaction details to a third party without the authorization of the customer himself, which violated the principle of confidentiality for depositors. Our bureau will start the investigation procedure in accordance with relevant laws and regulations and investigate and deal with it strictly according to law.
1984 At the end of May, due to the need of economic development, Mr. Rong Yiren, the chairman of China International Trust and Investment Company (hereinafter referred to as CITIC Company), wrote to the Central Committee, requesting to set up a bank under CITIC Company system to fully operate foreign exchange banking business. With the consent of the People's Bank of the State Council and the People's Bank of China, we will set up a banking department to expand foreign exchange banking business and do a good job in preparation. 1In April, 1985, CITIC Company established the Banking Department on the basis of the former Finance Department, and further expanded the comprehensive banking business such as external financing, foreign exchange trading, loan issuance, international settlement, financial leasing and deposit absorption.
6. Since its establishment two years ago, the banking department has made great progress with the strong support and help of the People's Bank of China and the State Administration of Foreign Exchange. Through handling RMB and foreign exchange deposits, loans, import and export letters of credit, international leasing, securities and foreign exchange transactions, foreign exchange and other businesses, I have accumulated some experience and initially met the conditions for setting up a bank.