2025-12-01
尊敬的投資者：
人民幣/外幣結構性存款屬於金融機構吸收的嵌入金融衍生工具的存款，產品保障本金和保底收益，產品浮動收益部分與特定指標市場表現掛鉤。本產品面向全部個人客戶銷售。
1. 按照產品說明書約定，現將2025年11月24日至2025年11月30日結構性存款已起息產品相關信息公告如下：
| 序號 | 產品代碼 | 幣種 | 掛鉤標的 | 產品成立日 （即基準日） |
期初價格 | 觀察水平 | 產品募集規模 （原幣元） |
|---|---|---|---|---|---|---|---|
| 1 | GRSDR250634 | CNY | EUR/USD | 2025-11-24 | 1.1524 | 1.1840 | 69,882,000 |
| 2 | GRSDRDZ252040 | CNY | FR007 | 2025-11-24 | -- | -- | 500,000 |
| 3 | GRSDRDZ251918 | CNY | USD/JPY | 2025-11-24 | 156.56 | 163.16/149.96 | 829,000 |
| 4 | GRSDR250631 | CNY | GBP/USD | 2025-11-24 | 1.3104 | 1.2937 | 657,476,000 |
| 5 | GRSDR250632 | CNY | USD/JPY | 2025-11-24 | 156.56 | 158.84 | 359,253,000 |
| 6 | GRSDR250635 | CNY | GBP/USD | 2025-11-24 | 1.3104 | 1.2789 | 41,773,000 |
| 7 | GRSDRDZ252059 | CNY | FR007 | 2025-11-24 | -- | -- | 110,400,000 |
| 8 | GRSDRDZ252062 | CNY | FR007 | 2025-11-24 | -- | -- | 131,112,000 |
| 9 | GRSDRDZ252060 | CNY | FR007 | 2025-11-24 | -- | -- | 197,417,000 |
| 10 | GRSDRDZ252058 | CNY | FR007 | 2025-11-24 | -- | -- | 199,173,000 |
| 11 | GRSDRDZ252053 | CNY | FR007 | 2025-11-24 | -- | -- | 26,850,000 |
| 12 | GRSDRDZ252033 | CNY | FR007 | 2025-11-24 | -- | -- | 194,205,000 |
| 13 | GRSDRDZ252030 | CNY | FR007 | 2025-11-24 | -- | -- | 125,283,000 |
| 14 | GRSDRDZ252018 | CNY | FR007 | 2025-11-24 | -- | -- | 87,200,000 |
| 15 | GRSDRDZ251969 | CNY | FR007 | 2025-11-24 | -- | -- | 145,459,000 |
| 16 | GRSDRDZ251968 | CNY | FR007 | 2025-11-24 | -- | -- | 260,490,000 |
| 17 | GRSDRDZ251967 | CNY | FR007 | 2025-11-24 | -- | -- | 460,490,000 |
| 18 | GRSDR250622 | CNY | AUD/USD | 2025-11-24 | 0.6464 | 0.6644/0.6284 | 10,106,000 |
| 19 | GRSDRDZ252052 | CNY | AUD/USD | 2025-11-24 | 0.6464 | 0.6794/0.6134 | 175,071,000 |
| 20 | GRSDRDZ252027 | CNY | FR007 | 2025-11-24 | -- | -- | 714,920,000 |
| 21 | GRSDR250589 | CNY | USD/JPY | 2025-11-24 | 156.56 | 158.03 | 251,269,000 |
| 22 | GRSDRDZ252024 | CNY | EUR/USD | 2025-11-24 | 1.1524 | 1.1559/1.1489 | 216,731,000 |
| 23 | GRSDR250630 | CNY | AUD/USD | 2025-11-24 | 0.6464 | 0.6734/0.6194 | 9,806,000 |
| 24 | GRSDRDZ252038 | CNY | AUD/USD | 2025-11-24 | 0.6464 | 0.6764/0.6164 | 119,963,000 |
| 25 | GRSDRDZ252021 | CNY | FR007 | 2025-11-24 | -- | -- | 545,699,000 |
| 26 | GRSDRDZ252022 | CNY | FR007 | 2025-11-24 | -- | -- | 188,268,000 |
| 27 | GRSDRDZ252023 | CNY | FR007 | 2025-11-24 | -- | -- | 431,405,000 |
| 28 | GRSDRDZ252020 | CNY | USD/JPY | 2025-11-24 | 156.56 | 161.96/151.16 | 299,500,000 |
| 29 | GRSDR250588 | CNY | GBP/USD | 2025-11-24 | 1.3104 | 1.2997 | 239,670,000 |
| 30 | GRSDRDZ251911 | CNY | AUD/USD | 2025-11-24 | 0.6464 | 0.6764/0.6164 | 179,043,000 |
| 31 | GRSDRDZ252019 | CNY | USD/JPY | 2025-11-24 | 156.56 | 164.26/148.86 | 31,571,000 |
| 32 | GRSDRDZ252036 | CNY | EUR/USD | 2025-11-24 | 1.1524 | 1.1594/1.1454 | 242,786,000 |
| 33 | GRSDR250627 | CNY | EUR/USD | 2025-11-24 | 1.1524 | 1.1599/1.1449 | 440,588,000 |
| 34 | GRSDR250633 | CNY | USD/JPY | 2025-11-25 | 156.72 | 164.07/149.37 | 322,127,000 |
| 35 | GRSD7G185_14 | CNY | FR007 | 2025-11-26 | -- | -- | 2,717,273,000 |
| 36 | GRSD7G183_17 | CNY | FR007 | 2025-11-26 | -- | -- | 2,701,822,000 |
| 37 | GRSD7G182_24 | CNY | FR007 | 2025-11-26 | -- | -- | 1,269,236,000 |
| 38 | GRSD7G187_11 | CNY | FR007 | 2025-11-26 | -- | -- | 2,509,527,000 |
| 39 | GRSD2WG190_1 | CNY | GBP/USD | 2025-11-26 | 1.3190 | 1.3148 | 338,917,000 |
| 40 | GRSDR250629 | CNY | AUD/USD | 2025-11-26 | 0.6506 | 0.6791/0.6221 | 172,877,000 |
| 41 | GRSDRDZ252031 | CNY | AUD/USD | 2025-11-26 | 0.6506 | 0.6806/0.6206 | 122,661,000 |
| 42 | GRSD2WG171_30 | CNY | GBP/USD | 2025-11-27 | 1.3261 | 1.3211 | 476,153,000 |
| 43 | GRSD7G177_35 | CNY | FR007 | 2025-11-27 | -- | -- | 6,228,432,000 |
| 44 | GRSDRDZ252093 | CNY | FR007 | 2025-11-27 | -- | -- | 222,702,000 |
| 45 | GRSDUDZ25127 | USD | GBP/USD | 2025-11-27 | 1.3261 | 1.3061 | 962,500 |
| 46 | GRSDR250590 | CNY | GBP/USD | 2025-11-28 | 1.3233 | 1.3343 | 171,046,000 |
| 47 | GRSDR250591 | CNY | USD/JPY | 2025-11-28 | 156.39 | 157.91 | 45,727,000 |
| 48 | GRSDR250638 | CNY | GBP/USD | 2025-11-28 | 1.3233 | 1.3458 | 350,436,000 |
| 49 | GRSDR250639 | CNY | USD/JPY | 2025-11-28 | 156.39 | 159.64 | 169,164,000 |
| 50 | GRSDRDZ252071 | CNY | GBP/USD | 2025-11-28 | 1.3233 | 1.3298 | 157,770,000 |
| 51 | GRSDRDZ252106 | CNY | EUR/USD | 2025-11-28 | 1.1589 | 1.1954 | 176,690,000 |
| 52 | GRSDRDZ252107 | CNY | XAU/USD | 2025-11-28 | 4,183.75 | 4513.50 | 173,134,000 |
| 53 | GRSDRDZ252111 | CNY | USD/CAD | 2025-11-28 | 1.4036 | 1.4111/1.3961 | 63,000,000 |
| 54 | GRSDRDZ252089 | CNY | EUR/USD | 2025-11-28 | 1.1589 | 1.1819/1.1359 | 33,097,000 |
| 55 | GRSDRDZ252081 | CNY | EUR/USD | 2025-11-28 | 1.1589 | 1.1899/1.1279 | 191,488,000 |
| 56 | GRSDRDZ252095 | CNY | EUR/USD | 2025-11-28 | 1.1589 | 1.1899/1.1279 | 48,045,000 |
| 57 | GRSDRDZ252098 | CNY | USD/CAD | 2025-11-28 | 1.4036 | 1.4088/1.3984 | 200,185,000 |
| 58 | GRSDR250637 | CNY | FR007 | 2025-11-28 | -- | -- | 93,382,000 |
| 59 | GRSDR250650 | CNY | FR007 | 2025-11-28 | -- | -- | 229,624,000 |
| 60 | GRSDR250651 | CNY | FR007 | 2025-11-28 | -- | -- | 1,327,705,000 |
| 61 | GRSDRDZ251970 | CNY | FR007 | 2025-11-28 | -- | -- | 457,668,000 |
| 62 | GRSDRDZ251971 | CNY | FR007 | 2025-11-28 | -- | -- | 242,438,000 |
| 63 | GRSDRDZ251972 | CNY | FR007 | 2025-11-28 | -- | -- | 306,546,000 |
| 64 | GRSDRDZ252077 | CNY | FR007 | 2025-11-28 | -- | -- | 70,000,000 |
| 65 | GRSDRDZ252078 | CNY | FR007 | 2025-11-28 | -- | -- | 223,935,000 |
| 66 | GRSDRDZ252080 | CNY | FR007 | 2025-11-28 | -- | -- | 190,226,000 |
| 67 | GRSDRDZ252086 | CNY | FR007 | 2025-11-28 | -- | -- | 37,800,000 |
| 68 | GRSDRDZ252087 | CNY | FR007 | 2025-11-28 | -- | -- | 62,140,000 |
| 69 | GRSDRDZ252091 | CNY | FR007 | 2025-11-28 | -- | -- | 152,000,000 |
| 70 | GRSDRDZ252092 | CNY | FR007 | 2025-11-28 | -- | -- | 305,760,000 |
| 71 | GRSDRDZ252094 | CNY | FR007 | 2025-11-28 | -- | -- | 335,660,000 |
| 72 | GRSDRDZ252101 | CNY | FR007 | 2025-11-28 | -- | -- | 404,379,000 |
| 73 | GRSDRDZ251913 | CNY | GBP/USD | 2025-11-28 | 1.3233 | 1.3313 | 465,958,000 |
| 74 | GRSDR250642 | CNY | AUD/USD | 2025-11-28 | 0.6528 | 0.6818/0.6238 | 91,551,000 |
| 75 | GRSDRDZ251912 | CNY | AUD/USD | 2025-11-28 | 0.6528 | 0.6818/0.6238 | 269,428,000 |
| 76 | GRSDRDZ252072 | CNY | AUD/USD | 2025-11-28 | 0.6528 | 0.6828/0.6228 | 46,016,000 |
| 77 | GRSDRDZ252082 | CNY | AUD/USD | 2025-11-28 | 0.6528 | 0.6818/0.6238 | 111,758,000 |
| 78 | GRSDRDZ252070 | CNY | USD/CAD | 2025-11-28 | 1.4036 | 1.4111/1.3961 | 122,755,000 |
| 79 | GRSDR250640 | CNY | EUR/USD | 2025-11-28 | 1.1589 | 1.1819/1.1359 | 208,502,000 |
| 80 | GRSDRDZ251914 | CNY | EUR/USD | 2025-11-28 | 1.1589 | 1.1819/1.1359 | 250,066,000 |
| 81 | GRSD2WG144_64 | CNY | GBP/USD | 2025-11-28 | 1.3233 | 1.3285 | 1,759,575,000 |
| 82 | GRSD7G146_100 | CNY | FR007 | 2025-11-28 | -- | -- | 5,594,660,000 |
2. 按照產品說明書約定，現將2025年11月24日至2025年11月30日期間到期的個人客戶結構性存款產品實際收益率信息公告如下：
| 序號 | 產品代碼 | 幣種 | 掛鉤標的 | 產品成立日 （基準日） |
到期日 | 實際收益率（年化） |
|---|---|---|---|---|---|---|
| 1 | GRSDR250212 | CNY | GBP/USD | 2025-05-26 | 2025-11-24 | 1.0167% |
| 2 | GRSDRDZ250993 | CNY | AUD/USD | 2025-05-26 | 2025-11-24 | 2.1800% |
| 3 | GRSDRDZ251087 | CNY | AUD/USD | 2025-06-13 | 2025-11-25 | 2.0000% |
| 4 | GRSDRDZ251311 | CNY | FR007 | 2025-07-21 | 2025-11-25 | 1.7448% |
| 5 | GRSDRDZ251458 | CNY | FR007 | 2025-08-25 | 2025-11-25 | 1.6672% |
| 6 | GRSDRDZ251384 | CNY | FR007 | 2025-08-08 | 2025-11-25 | 1.8111% |
| 7 | GRSDRDZ251278 | CNY | FR007 | 2025-07-14 | 2025-11-25 | 1.7714% |
| 8 | GRSDRDZ251828 | CNY | EUR/USD | 2025-10-24 | 2025-11-25 | 1.9500% |
| 9 | GRSDRDZ251829 | CNY | USD/CHF | 2025-10-24 | 2025-11-25 | 1.9500% |
| 10 | GRSDRDZ251427 | CNY | FR007 | 2025-08-18 | 2025-11-25 | 1.8218% |
| 11 | GRSDR250403 | CNY | USD/JPY | 2025-08-25 | 2025-11-25 | 1.1750% |
| 12 | GRSD7G182_23 | CNY | FR007 | 2025-11-17 | 2025-11-25 | 1.7778% |
| 13 | GRSD7G183_16 | CNY | FR007 | 2025-11-17 | 2025-11-25 | 1.6315% |
| 14 | GRSD7G185_13 | CNY | FR007 | 2025-11-17 | 2025-11-25 | 1.5768% |
| 15 | GRSD7G187_10 | CNY | FR007 | 2025-11-17 | 2025-11-25 | 1.7023% |
| 16 | GRSDR250524 | CNY | EUR/USD | 2025-10-24 | 2025-11-25 | 0.4000% |
| 17 | GRSDR250525 | CNY | USD/CHF | 2025-10-24 | 2025-11-25 | 1.7000% |
| 18 | GRSDRDZ250970 | CNY | GBP/USD | 2025-05-23 | 2025-11-25 | 2.7000% |
| 19 | GRSDRDZ251242 | CNY | AUD/USD | 2025-07-07 | 2025-11-25 | 1.9000% |
| 20 | GRSDRDZ251072 | CNY | USD/JPY | 2025-06-11 | 2025-11-26 | 1.7500% |
| 21 | GRSDRDZ251423 | CNY | EUR/USD | 2025-08-15 | 2025-11-26 | 0.8500% |
| 22 | GRSD2WG171_29 | CNY | USD/CAD | 2025-11-12 | 2025-11-26 | 1.8500% |
| 23 | GRSDRDZ251860 | CNY | FR007 | 2025-10-24 | 2025-11-26 | 1.9296% |
| 24 | GRSDR250549 | CNY | FR007 | 2025-10-24 | 2025-11-26 | 1.3576% |
| 25 | GRSDRDZ251742 | CNY | FR007 | 2025-10-14 | 2025-11-26 | 1.7186% |
| 26 | GRSD7G177_34 | CNY | FR007 | 2025-11-19 | 2025-11-26 | 1.9614% |
| 27 | GRSDRDZ251480 | CNY | GBP/USD | 2025-08-28 | 2025-11-26 | 1.6833% |
| 28 | GRSD2WG144_63 | CNY | EUR/USD | 2025-11-13 | 2025-11-27 | 2.2000% |
| 29 | GRSD7G146_99 | CNY | FR007 | 2025-11-20 | 2025-11-27 | 1.8820% |
| 30 | GRSDRDZ251023 | CNY | AUD/USD | 2025-05-29 | 2025-11-27 | 2.2500% |
| 31 | GRSDRDZ251338 | CNY | FR007 | 2025-08-04 | 2025-11-27 | 1.5838% |
| 32 | GRSDRDZ251356 | CNY | FR007 | 2025-08-01 | 2025-11-27 | 1.8929% |
| 33 | GRSDRDZ251437 | CNY | FR007 | 2025-08-22 | 2025-11-27 | 1.7062% |
| 34 | GRSDRDZ251603 | CNY | FR007 | 2025-09-19 | 2025-11-27 | 2.0093% |
| 35 | GRSDR250526 | CNY | EUR/USD | 2025-10-27 | 2025-11-28 | 0.4000% |
| 36 | GRSDR250527 | CNY | USD/CHF | 2025-10-27 | 2025-11-28 | 1.7000% |
| 37 | GRSDR250563 | CNY | USD/JPY | 2025-10-31 | 2025-11-28 | 0.2500% |
| 38 | GRSDR250572 | CNY | USD/CAD | 2025-10-31 | 2025-11-28 | 1.7000% |
| 39 | GRSDR250573 | CNY | GBP/USD | 2025-10-31 | 2025-11-28 | 1.7000% |
| 40 | GRSDRDZ251925 | CNY | GBP/USD | 2025-11-07 | 2025-11-28 | 2.0000% |
| 41 | GRSDRDZ251433 | CNY | EUR/USD | 2025-08-22 | 2025-11-28 | 1.0667% |
| 42 | GRSDRDZ251366 | CNY | EUR/USD | 2025-08-22 | 2025-11-28 | 0.9900% |
| 43 | GRSDRDZ251328 | CNY | FR007 | 2025-07-28 | 2025-11-28 | 1.7894% |
| 44 | GRSDRDZ251405 | CNY | EUR/USD | 2025-08-15 | 2025-11-28 | 0.8333% |
| 45 | GRSDU24234 | USD | AUD/USD | 2024-11-28 | 2025-11-28 | 2.6500% |
| 46 | GRSDUDZ25087 | USD | GBP/USD | 2025-05-28 | 2025-11-28 | 2.2000% |
| 47 | GRSDRDZ251082 | CNY | AUD/USD | 2025-06-06 | 2025-11-28 | 0.5000% |
| 48 | GRSDR250562 | CNY | EUR/USD | 2025-10-31 | 2025-11-28 | 0.2500% |
| 49 | GRSDRDZ251472 | CNY | FR007 | 2025-08-29 | 2025-11-28 | 1.8061% |
| 50 | GRSDRDZ251314 | CNY | GBP/USD | 2025-07-21 | 2025-11-28 | 2.4000% |
| 51 | GRSDRDZ251468 | CNY | GBP/USD | 2025-08-29 | 2025-11-28 | 1.5333% |
| 52 | GRSDR250418 | CNY | GBP/USD | 2025-08-29 | 2025-11-28 | 1.4000% |
| 53 | GRSDRDZ251708 | CNY | FR007 | 2025-09-30 | 2025-11-28 | 1.5069% |
| 54 | GRSDR250419 | CNY | USD/JPY | 2025-09-04 | 2025-11-28 | 1.0000% |
| 55 | GRSDR250414 | CNY | GBP/USD | 2025-09-04 | 2025-11-28 | 1.3833% |
| 56 | GRSDR250558 | CNY | USD/CHF | 2025-10-27 | 2025-11-28 | 2.2500% |
| 57 | GRSD7G181_26 | CNY | FR007 | 2025-11-20 | 2025-11-28 | 1.5945% |
| 58 | GRSDRDZ251539 | CNY | AUD/USD | 2025-09-05 | 2025-11-28 | 2.0000% |
| 59 | GRSDRDZ251769 | CNY | EUR/USD | 2025-10-24 | 2025-11-28 | 0.6500% |
| 60 | GRSDRDZ251493 | CNY | FR007 | 2025-08-29 | 2025-11-28 | 1.9155% |
| 61 | GRSDR250408 | CNY | AUD/USD | 2025-08-25 | 2025-11-28 | 1.8000% |
| 62 | GRSDRDZ251368 | CNY | AUD/USD | 2025-08-25 | 2025-11-28 | 2.0000% |
| 63 | GRSDRDZ251566 | CNY | USD/CHF | 2025-09-12 | 2025-11-28 | 2.0500% |
| 64 | GRSDRDZ251600 | CNY | GBP/USD | 2025-09-19 | 2025-11-28 | 2.0500% |
| 65 | GRSDRDZ251547 | CNY | AUD/USD | 2025-09-08 | 2025-11-28 | 2.2000% |
| 66 | GRSDR250557 | CNY | EUR/USD | 2025-10-27 | 2025-11-28 | 0.2000% |
| 67 | GRSDR250220 | CNY | AUD/USD | 2025-05-30 | 2025-11-29 | 1.6500% |
| 68 | GRSD2WG178_18 | CNY | NZD/USD | 2025-11-14 | 2025-11-29 | 1.9000% |
| 69 | GRSDRDZ251614 | CNY | EUR/USD | 2025-09-22 | 2025-11-29 | 2.2000% |
| 70 | GRSDRDZ251006 | CNY | AUD/USD | 2025-06-03 | 2025-11-29 | 2.5800% |
| 71 | GRSD2WG168_35 | CNY | GBP/USD | 2025-11-14 | 2025-11-29 | 2.3000% |
| 72 | GRSD2WG172_25 | CNY | NZD/USD | 2025-11-14 | 2025-11-29 | 2.0000% |
| 73 | GRSDRDZ251005 | CNY | AUD/USD | 2025-05-30 | 2025-11-29 | 2.6000% |
| 74 | GRSDRDZ251371 | CNY | GBP/USD | 2025-08-29 | 2025-11-29 | 1.5500% |
| 75 | GRSDRDZ251007 | CNY | USD/JPY | 2025-06-05 | 2025-11-29 | 1.6000% |
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中國銀行股份有限公司
2025年12月1日