2025-11-24
尊敬的投资者：
人民币/外币结构性存款属于金融机构吸收的嵌入金融衍生工具的存款，产品保障本金和保底收益，产品浮动收益部分与特定指标市场表现挂钩。本产品面向全部个人客户销售。
1. 按照产品说明书约定，现将2025年11月17日至2025年11月23日结构性存款已起息产品相关信息公告如下：
| 序号 | 产品代码 | 币种 | 挂钩标的 | 产品成立日 （即基准日） |
期初价格 | 观察水平 | 产品募集规模 （原币元） |
|---|---|---|---|---|---|---|---|
| 1 | GRSDRDZ251986 | CNY | FR007 | 2025-11-17 | -- | -- | 130,667,000 |
| 2 | GRSDRDZ251993 | CNY | USD/JPY | 2025-11-17 | 154.71 | 159.76/149.66 | 353,784,000 |
| 3 | GRSDRDZ252017 | CNY | FR007 | 2025-11-17 | -- | -- | 24,600,000 |
| 4 | GRSDRDZ252016 | CNY | FR007 | 2025-11-17 | -- | -- | 214,019,000 |
| 5 | GRSDR250608 | CNY | USD/JPY | 2025-11-17 | 154.71 | 159.16/150.26 | 7,777,000 |
| 6 | GRSDRDZ251987 | CNY | FR007 | 2025-11-17 | -- | -- | 477,512,000 |
| 7 | GRSDRDZ252009 | CNY | FR007 | 2025-11-17 | -- | -- | 191,250,000 |
| 8 | GRSDRDZ251991 | CNY | FR007 | 2025-11-17 | -- | -- | 147,750,000 |
| 9 | GRSDRDZ251985 | CNY | FR007 | 2025-11-17 | -- | -- | 124,657,000 |
| 10 | GRSDRDZ251984 | CNY | FR007 | 2025-11-17 | -- | -- | 35,483,000 |
| 11 | GRSDRDZ251999 | CNY | USD/JPY | 2025-11-17 | 154.71 | 159.91/149.51 | 58,530,000 |
| 12 | GRSDRDZ252000 | CNY | EUR/USD | 2025-11-17 | 1.1600 | 1.1665/1.1535 | 109,300,000 |
| 13 | GRSDRDZ252010 | CNY | AUD/USD | 2025-11-17 | 0.6523 | 0.6788/0.6258 | 148,378,000 |
| 14 | GRSDR250585 | CNY | XAU/USD | 2025-11-17 | 4,056.70 | 4150.17 | 112,116,000 |
| 15 | GRSDRDZ251992 | CNY | AUD/USD | 2025-11-17 | 0.6523 | 0.6808/0.6238 | 19,088,000 |
| 16 | GRSDRDZ251907 | CNY | AUD/USD | 2025-11-17 | 0.6523 | 0.6808/0.6238 | 364,261,000 |
| 17 | GRSDR250584 | CNY | NZD/USD | 2025-11-17 | 0.5671 | 0.5621 | 146,931,000 |
| 18 | GRSDRDZ252007 | CNY | USD/JPY | 2025-11-17 | 154.71 | 163.01/146.41 | 53,568,000 |
| 19 | GRSDR250617 | CNY | GBP/USD | 2025-11-17 | 1.3143 | 1.2986 | 997,827,000 |
| 20 | GRSDR250618 | CNY | NZD/USD | 2025-11-17 | 0.5671 | 0.5594 | 828,853,000 |
| 21 | GRSDRDZ251988 | CNY | EUR/USD | 2025-11-17 | 1.1600 | 1.1635/1.1565 | 66,861,000 |
| 22 | GRSDR250620 | CNY | EUR/USD | 2025-11-17 | 1.1600 | 1.1915 | 85,057,000 |
| 23 | GRSDR250621 | CNY | XAU/USD | 2025-11-17 | 4,056.70 | 4337.82 | 49,828,000 |
| 24 | GRSDR250616 | CNY | AUD/USD | 2025-11-17 | 0.6523 | 0.6778/0.6268 | 8,434,000 |
| 25 | GRSDRDZ251917 | CNY | USD/JPY | 2025-11-17 | 154.71 | 160.96/148.46 | 2,252,000 |
| 26 | GRSDRDZ252011 | CNY | FR007 | 2025-11-17 | -- | -- | 345,000,000 |
| 27 | GRSD7G182_23 | CNY | FR007 | 2025-11-17 | -- | -- | 1,191,801,000 |
| 28 | GRSD7G183_16 | CNY | FR007 | 2025-11-17 | -- | -- | 2,512,887,000 |
| 29 | GRSD7G185_13 | CNY | FR007 | 2025-11-17 | -- | -- | 2,495,758,000 |
| 30 | GRSD7G187_10 | CNY | FR007 | 2025-11-17 | -- | -- | 2,230,439,000 |
| 31 | GRSDR250613 | CNY | EUR/USD | 2025-11-17 | 1.1600 | 1.1680/1.1520 | 237,154,000 |
| 32 | GRSDRDZ251994 | CNY | EUR/USD | 2025-11-17 | 1.1600 | 1.1680/1.1520 | 184,290,000 |
| 33 | GRSDR250619 | CNY | USD/JPY | 2025-11-18 | 155.07 | 161.97/148.17 | 381,244,000 |
| 34 | GRSD2WG163_41 | CNY | GBP/USD | 2025-11-18 | 1.3162 | 1.3120 | 1,433,338,000 |
| 35 | GRSDR250615 | CNY | AUD/USD | 2025-11-19 | 0.6489 | 0.6774/0.6204 | 175,656,000 |
| 36 | GRSD7G177_34 | CNY | FR007 | 2025-11-19 | -- | -- | 6,247,359,000 |
| 37 | GRSDRDZ251983 | CNY | AUD/USD | 2025-11-19 | 0.6489 | 0.6774/0.6204 | 79,297,000 |
| 38 | GRSDRDZ252034 | CNY | FR007 | 2025-11-20 | -- | -- | 75,900,000 |
| 39 | GRSDRDZ252043 | CNY | EUR/USD | 2025-11-20 | 1.1518 | 1.1603/1.1433 | 42,675,000 |
| 40 | GRSDUDZ25126 | USD | XAU/USD | 2025-11-20 | 4,069.74 | 4251.43 | 506,400 |
| 41 | GRSD7G181_26 | CNY | FR007 | 2025-11-20 | -- | -- | 4,994,952,000 |
| 42 | GRSDRDZ252035 | CNY | EUR/USD | 2025-11-20 | 1.1518 | 1.1583/1.1453 | 35,300,000 |
| 43 | GRSD7G146_99 | CNY | FR007 | 2025-11-20 | -- | -- | 5,355,738,000 |
| 44 | GRSDRDZ252049 | CNY | FR007 | 2025-11-21 | -- | -- | 400,000,000 |
| 45 | GRSDRDZ252063 | CNY | FR007 | 2025-11-21 | -- | -- | 500,000,000 |
| 46 | GRSDRDZ252064 | CNY | FR007 | 2025-11-21 | -- | -- | 400,000,000 |
| 47 | GRSDRDZ251909 | CNY | GBP/USD | 2025-11-21 | 1.3090 | 1.3012 | 55,155,000 |
| 48 | GRSDRDZ252025 | CNY | GBP/USD | 2025-11-21 | 1.3090 | 1.3030 | 288,496,000 |
| 49 | GRSDR250624 | CNY | GBP/USD | 2025-11-21 | 1.3090 | 1.2865 | 422,500,000 |
| 50 | GRSDRDZ252047 | CNY | EUR/USD | 2025-11-21 | 1.1536 | 1.1746 | 20,210,000 |
| 51 | GRSDRDZ252048 | CNY | GBP/USD | 2025-11-21 | 1.3090 | 1.2870 | 19,000,000 |
| 52 | GRSDRDZ252026 | CNY | AUD/USD | 2025-11-21 | 0.6447 | 0.6652/0.6242 | 185,640,000 |
| 53 | GRSDRDZ252039 | CNY | AUD/USD | 2025-11-21 | 0.6447 | 0.6652/0.6242 | 277,310,000 |
| 54 | GRSDR250628 | CNY | AUD/USD | 2025-11-21 | 0.6447 | 0.6732/0.6162 | 98,311,000 |
| 55 | GRSDRDZ251908 | CNY | AUD/USD | 2025-11-21 | 0.6447 | 0.6732/0.6162 | 260,353,000 |
| 56 | GRSDRDZ252029 | CNY | USD/JPY | 2025-11-21 | 157.21 | 164.46/149.96 | 122,093,000 |
| 57 | GRSD7G189_4 | CNY | FR007 | 2025-11-21 | -- | -- | 2,178,131,000 |
| 58 | GRSDR250623 | CNY | FR007 | 2025-11-21 | -- | -- | 79,115,000 |
| 59 | GRSDRDZ251965 | CNY | FR007 | 2025-11-21 | -- | -- | 910,003,000 |
| 60 | GRSDRDZ251966 | CNY | FR007 | 2025-11-21 | -- | -- | 543,964,000 |
| 61 | GRSDRDZ252028 | CNY | FR007 | 2025-11-21 | -- | -- | 152,512,000 |
| 62 | GRSDRDZ252032 | CNY | FR007 | 2025-11-21 | -- | -- | 73,396,000 |
| 63 | GRSDRDZ252041 | CNY | FR007 | 2025-11-21 | -- | -- | 47,600,000 |
| 64 | GRSDRDZ252042 | CNY | FR007 | 2025-11-21 | -- | -- | 33,100,000 |
| 65 | GRSDRDZ252044 | CNY | FR007 | 2025-11-21 | -- | -- | 485,228,000 |
| 66 | GRSDRDZ252045 | CNY | FR007 | 2025-11-21 | -- | -- | 50,000,000 |
| 67 | GRSDRDZ252046 | CNY | FR007 | 2025-11-21 | -- | -- | 50,000,000 |
| 68 | GRSDRDZ252050 | CNY | FR007 | 2025-11-21 | -- | -- | 45,000,000 |
| 69 | GRSDRDZ252054 | CNY | FR007 | 2025-11-21 | -- | -- | 89,200,000 |
| 70 | GRSDRDZ252055 | CNY | FR007 | 2025-11-21 | -- | -- | 45,000,000 |
| 71 | GRSDR250625 | CNY | USD/JPY | 2025-11-21 | 157.21 | 160.08 | 259,802,000 |
| 72 | GRSDR250586 | CNY | GBP/USD | 2025-11-21 | 1.3090 | 1.2990 | 127,051,000 |
| 73 | GRSDR250587 | CNY | USD/JPY | 2025-11-21 | 157.21 | 158.56 | 143,429,000 |
| 74 | GRSDRDZ252056 | CNY | EUR/USD | 2025-11-21 | 1.1536 | 1.1914 | 185,880,000 |
| 75 | GRSDRDZ252057 | CNY | GBP/USD | 2025-11-21 | 1.3090 | 1.2712 | 178,289,000 |
| 76 | GRSD2WG186_4 | CNY | GBP/USD | 2025-11-21 | 1.3090 | 1.3028 | 1,385,251,000 |
| 77 | GRSDRDZ252061 | CNY | AUD/USD | 2025-11-21 | 0.6447 | 0.6607/0.6287 | 78,840,000 |
| 78 | GRSDR250626 | CNY | USD/JPY | 2025-11-21 | 157.21 | 162.26/152.16 | 208,495,000 |
| 79 | GRSDRDZ251910 | CNY | EUR/USD | 2025-11-21 | 1.1536 | 1.1621/1.1451 | 211,419,000 |
| 80 | GRSDRDZ252051 | CNY | EUR/USD | 2025-11-21 | 1.1536 | 1.1586/1.1486 | 198,820,000 |
| 81 | GRSDRDZ252037 | CNY | USD/JPY | 2025-11-21 | 157.21 | 163.56/150.86 | 87,346,000 |
2. 按照产品说明书约定，现将2025年11月17日至2025年11月23日期间到期的个人客户结构性存款产品实际收益率信息公告如下：
| 序号 | 产品代码 | 币种 | 挂钩标的 | 产品成立日 （基准日） |
到期日 | 实际收益率（年化） |
|---|---|---|---|---|---|---|
| 1 | GRSD2WG163_40 | CNY | EUR/USD | 2025-11-03 | 2025-11-17 | 1.9000% |
| 2 | GRSDR250204 | CNY | AUD/USD | 2025-05-19 | 2025-11-17 | 1.6500% |
| 3 | GRSDRDZ251422 | CNY | USD/JPY | 2025-08-18 | 2025-11-18 | 1.6833% |
| 4 | GRSDR250392 | CNY | USD/JPY | 2025-08-18 | 2025-11-18 | 1.1750% |
| 5 | GRSDR250521 | CNY | EUR/USD | 2025-10-17 | 2025-11-18 | 0.4000% |
| 6 | GRSDRDZ251398 | CNY | FR007 | 2025-08-11 | 2025-11-18 | 1.8047% |
| 7 | GRSD7G177_33 | CNY | FR007 | 2025-11-07 | 2025-11-18 | 1.8950% |
| 8 | GRSDRDZ251498 | CNY | FR007 | 2025-09-04 | 2025-11-18 | 1.7278% |
| 9 | GRSDRDZ251462 | CNY | FR007 | 2025-08-22 | 2025-11-18 | 1.9465% |
| 10 | GRSDRDZ251276 | CNY | FR007 | 2025-07-14 | 2025-11-18 | 1.7614% |
| 11 | GRSDR250520 | CNY | AUD/USD | 2025-10-17 | 2025-11-18 | 1.7000% |
| 12 | GRSDRDZ251123 | CNY | EUR/USD | 2025-06-20 | 2025-11-18 | 2.6000% |
| 13 | GRSDRDZ250936 | CNY | USD/CHF | 2025-05-16 | 2025-11-18 | 0.9000% |
| 14 | GRSDRDZ251092 | CNY | AUD/USD | 2025-06-30 | 2025-11-18 | 1.9500% |
| 15 | GRSDRDZ250969 | CNY | GBP/USD | 2025-05-23 | 2025-11-19 | 1.0500% |
| 16 | GRSD7G146_98 | CNY | FR007 | 2025-11-12 | 2025-11-19 | 1.8820% |
| 17 | GRSD7G181_25 | CNY | FR007 | 2025-11-12 | 2025-11-19 | 1.6010% |
| 18 | GRSDRDZ250921 | CNY | EUR/USD | 2025-05-12 | 2025-11-19 | 2.7500% |
| 19 | GRSDRDZ251859 | CNY | FR007 | 2025-10-27 | 2025-11-19 | 1.9181% |
| 20 | GRSDRDZ251017 | CNY | FR007 | 2025-06-03 | 2025-11-20 | 2.2096% |
| 21 | GRSD7G189_3 | CNY | FR007 | 2025-11-13 | 2025-11-20 | 2.1284% |
| 22 | GRSD2WG186_3 | CNY | EUR/USD | 2025-11-04 | 2025-11-20 | 1.8500% |
| 23 | GRSDRDZ251866 | CNY | FR007 | 2025-10-28 | 2025-11-20 | 1.8878% |
| 24 | GRSDU24229 | USD | GBP/USD | 2024-11-21 | 2025-11-21 | 2.6500% |
| 25 | GRSDR250407 | CNY | AUD/USD | 2025-08-22 | 2025-11-21 | 1.8000% |
| 26 | GRSDRDZ251793 | CNY | FR007 | 2025-10-20 | 2025-11-21 | 2.0284% |
| 27 | GRSDR250522 | CNY | AUD/USD | 2025-10-20 | 2025-11-21 | 1.7000% |
| 28 | GRSDR250537 | CNY | FR007 | 2025-10-17 | 2025-11-21 | 1.3438% |
| 29 | GRSDRDZ251795 | CNY | FR007 | 2025-10-20 | 2025-11-21 | 1.7709% |
| 30 | GRSDRDZ251755 | CNY | FR007 | 2025-10-17 | 2025-11-21 | 1.6367% |
| 31 | GRSDRDZ251753 | CNY | FR007 | 2025-10-17 | 2025-11-21 | 1.6322% |
| 32 | GRSDRDZ251871 | CNY | GBP/USD | 2025-10-31 | 2025-11-21 | 2.0000% |
| 33 | GRSDUDZ25084 | USD | GBP/USD | 2025-05-21 | 2025-11-21 | 2.2000% |
| 34 | GRSDRDZ251582 | CNY | USD/JPY | 2025-09-12 | 2025-11-21 | 0.8667% |
| 35 | GRSDR250397 | CNY | USD/JPY | 2025-08-18 | 2025-11-21 | 1.4000% |
| 36 | GRSDRDZ251797 | CNY | FR007 | 2025-10-20 | 2025-11-21 | 1.6451% |
| 37 | GRSDR250546 | CNY | EUR/USD | 2025-10-20 | 2025-11-21 | 0.2000% |
| 38 | GRSDR250523 | CNY | EUR/USD | 2025-10-20 | 2025-11-21 | 0.4000% |
| 39 | GRSDRDZ251812 | CNY | FR007 | 2025-10-27 | 2025-11-21 | 1.7933% |
| 40 | GRSDR250551 | CNY | USD/CHF | 2025-10-24 | 2025-11-21 | 2.9000% |
| 41 | GRSDR250550 | CNY | EUR/USD | 2025-10-24 | 2025-11-21 | 0.2500% |
| 42 | GRSDRDZ251365 | CNY | USD/JPY | 2025-08-18 | 2025-11-21 | 1.5500% |
| 43 | GRSDRDZ251765 | CNY | AUD/USD | 2025-10-17 | 2025-11-21 | 1.9000% |
| 44 | GRSDR250545 | CNY | AUD/USD | 2025-10-20 | 2025-11-21 | 0.2000% |
| 45 | GRSDRDZ251415 | CNY | USD/JPY | 2025-08-18 | 2025-11-21 | 1.5333% |
具体产品细节请见产品说明书或咨询客户经理。感谢您一直以来的关注与支持。
中国银行股份有限公司
2025年11月24日