中信银行主动压缩消费贷 定存到期未现明显流失

中信银行2026年上半年面临三年期定期存款集中到期，但并未出现预期的客户"存款搬家"现象。1副行长谢志斌表示，该批定期存款的复购率与2025年基本持平。1随着到期存款的部分返还，银行客户存款平均成本率从上年同期的1.65%降至1.24%。1截至6月末，个人存款余额增长近3.7%，零售资产管理规模增长超9%。1

面对风险压力，中信银行主动调整零售信贷业务结构，从高风险领域有序退出。1上半年个人贷款余额减少360余亿元，其中消费贷减少330亿元、信用卡贷款减少92亿元。1银行对部分高收益信用贷款采取了更严格的准入策略。1这一转向付出了盈利代价——零售业务税前利润由56亿元降至25亿元，零售分部信用减值损失从209亿元增至238亿元。1从风险指标看，信用卡不良率下降5个基点至2.57%，而消费贷不良率则上升65个基点至3.31%。1高管预计信用卡风险将在年内基本过峰。1

此外，中信银行2026年中期拟每10股派发现金股息2.03元，分红比例32.09%。1

CITIC Bank has successfully managed a major deposit maturity without triggering significant customer migration, according to its mid-year financial results 1. The bank's three-year fixed deposits, which reached their expiration date in the first half of 2026, showed a renewal rate essentially unchanged from the previous year, according to Vice President Xie Zhibin 1.

The bank has simultaneously engineered a strategic retreat from higher-risk consumer lending. Personal deposits grew by approximately 3.7% to mid-year, while the average cost of customer deposits declined from 1.65% year-over-year to 1.24% 1. However, personal loan balances contracted by over 360 billion yuan, with consumer loans declining by 330 billion yuan and credit card loans falling by 92 billion yuan 1. Management attributed this shift to stricter underwriting policies applied to higher-yield consumer credit products 1.

The contraction has come at a cost to profitability. Retail division pre-tax profit declined from 5.6 billion yuan to 2.5 billion yuan, representing a decline exceeding 50% 1. Credit impairment losses in the retail segment increased from 20.9 billion yuan to 23.8 billion yuan 1. While credit card delinquency rates improved to 2.57%, down 5 basis points, consumer loan delinquencies deteriorated to 3.31%, up 65 basis points 1. Executives expect credit card risk to peak within the year 1. The bank announced a mid-year cash dividend of 2.03 yuan per ten shares, representing a payout ratio of 32.09% 1.