8月27日金融一线消息，中信银行今日召开2026年半年度业绩发布会。执行董事、行长、首席合规官吕天贵表示，中信银行高质量增长具备清晰的增长逻辑与内生体系支撑。在增长逻辑上，利润增长不靠单纯压降成本，由净息差稳定、营收增长双轮驱动。
一是持续落实量价平衡管理，上半年净息差同比微降1个bp，较一季度回升1个bp，在同业中表现占优，筑牢业绩基本盘。
二是严控负债成本，深耕交易结算业务，打磨支付结算产品、平台与生态。上半年全行负债成本率1.37%，较上年下降24个bp，较2020年累计下降92个bp，对公存款成本相对同业优势扩大至20个bp，对公活期日均占比位列股份制银行前二，零售活期占比提升，资金安全垫持续加厚。
三是深耕客群经营，上半年对公基础客户、有效客户增量优于去年同期，零售富裕、贵宾、私行客户增量再创新高，全行AUM增量突破千亿。
四是多元拓展非息收入，做强财富管理、资产管理、综合融资能力，提升投资交易收益。
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