2025-12-15
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12月8日至2025年12月14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 | GRSDRDZ252148 | CNY | FR007 | 2025-12-08 | -- | -- | 193,724,000 |
| 2 | GRSDRDZ252149 | CNY | FR007 | 2025-12-08 | -- | -- | 90,671,000 |
| 3 | GRSDRDZ252150 | CNY | FR007 | 2025-12-08 | -- | -- | 212,109,000 |
| 4 | GRSDRDZ252183 | CNY | USD/JPY | 2025-12-08 | 155.22 | 163.07/147.37 | 71,185,000 |
| 5 | GRSDRDZ252158 | CNY | USD/JPY | 2025-12-08 | 155.22 | 160.87/149.57 | 698,961,000 |
| 6 | GRSDRDZ252156 | CNY | USD/CAD | 2025-12-08 | 1.3820 | 1.3922/1.3718 | 41,912,000 |
| 7 | GRSDRDZ252157 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3479/1.3195 | 101,000,000 |
| 8 | GRSDR250682 | CNY | NZD/USD | 2025-12-08 | 0.5785 | 0.5863 | 321,759,000 |
| 9 | GRSDRDZ252180 | CNY | USD/JPY | 2025-12-08 | 155.22 | 161.72/148.72 | 78,004,000 |
| 10 | GRSDRDZ252171 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3391/1.3283 | 427,744,000 |
| 11 | GRSDRDZ252164 | CNY | USD/CAD | 2025-12-08 | 1.3820 | 1.3890/1.3750 | 149,246,000 |
| 12 | GRSDR250656 | CNY | EUR/USD | 2025-12-08 | 1.1656 | 1.1729 | 123,655,000 |
| 13 | GRSDRDZ252117 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3479/1.3195 | 312,846,000 |
| 14 | GRSDRDZ252177 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3479/1.3195 | 34,260,000 |
| 15 | GRSDR250677 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3427/1.3247 | 421,829,000 |
| 16 | GRSDRDZ252161 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3427/1.3247 | 406,866,000 |
| 17 | GRSD2WG186_5 | CNY | NZD/USD | 2025-12-08 | 0.5785 | 0.5815 | 1,803,305,000 |
| 18 | GRSDR250681 | CNY | EUR/USD | 2025-12-08 | 1.1656 | 1.1769 | 698,381,000 |
| 19 | GRSDRDZ252173 | CNY | USD/CAD | 2025-12-08 | 1.3820 | 1.3877/1.3763 | 305,380,000 |
| 20 | GRSDR250657 | CNY | NZD/USD | 2025-12-08 | 0.5785 | 0.5835 | 44,866,000 |
| 21 | GRSDR250672 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3447/1.3227 | 8,321,000 |
| 22 | GRSD30G188_3 | CNY | FR007 | 2025-12-08 | -- | -- | 2,629,742,000 |
| 23 | GRSDR250684 | CNY | NZD/USD | 2025-12-08 | 0.5785 | 0.5978 | 9,432,000 |
| 24 | GRSDR250680 | CNY | USD/JPY | 2025-12-08 | 155.22 | 162.00/148.44 | 9,689,000 |
| 25 | GRSD2WG192_1 | CNY | FR007 | 2025-12-08 | -- | -- | 206,153,000 |
| 26 | GRSDRDZ252144 | CNY | FR007 | 2025-12-08 | -- | -- | 409,402,000 |
| 27 | GRSDRDZ252145 | CNY | FR007 | 2025-12-08 | -- | -- | 372,077,000 |
| 28 | GRSDRDZ252162 | CNY | FR007 | 2025-12-08 | -- | -- | 299,987,000 |
| 29 | GRSDRDZ252166 | CNY | FR007 | 2025-12-08 | -- | -- | 580,266,000 |
| 30 | GRSDRDZ252170 | CNY | FR007 | 2025-12-08 | -- | -- | 750,513,000 |
| 31 | GRSDRDZ252172 | CNY | FR007 | 2025-12-08 | -- | -- | 1,250,316,000 |
| 32 | GRSDRDZ252175 | CNY | FR007 | 2025-12-08 | -- | -- | 37,009,000 |
| 33 | GRSDRDZ252185 | CNY | FR007 | 2025-12-08 | -- | -- | 117,580,000 |
| 34 | GRSDRDZ252188 | CNY | FR007 | 2025-12-08 | -- | -- | 549,653,000 |
| 35 | GRSDRDZ252147 | CNY | FR007 | 2025-12-08 | -- | -- | 253,605,000 |
| 36 | GRSD4MG193_1 | CNY | FR007 | 2025-12-08 | -- | -- | 400,000,000 |
| 37 | GRSDRDZ252193 | CNY | FR007 | 2025-12-08 | -- | -- | 69,837,000 |
| 38 | GRSD2WG190_2 | CNY | EUR/USD | 2025-12-08 | 1.1656 | 1.1688 | 450,964,000 |
| 39 | GRSDRDZ252151 | CNY | USD/CAD | 2025-12-08 | 1.3820 | 1.3850/1.3790 | 74,310,000 |
| 40 | GRSDR250685 | CNY | AUD/USD | 2025-12-08 | 0.6646 | 0.7576/0.5716 | 5,891,000 |
| 41 | GRSDRDZ252135 | CNY | GBP/USD | 2025-12-08 | 1.3337 | 1.3457/1.3217 | 6,656,000 |
| 42 | GRSDR250683 | CNY | USD/JPY | 2025-12-09 | 155.99 | 163.44/148.54 | 334,411,000 |
| 43 | GRSD7G146_101 | CNY | FR007 | 2025-12-10 | -- | -- | 5,659,908,000 |
| 44 | GRSDRDZ252191 | CNY | USD/JPY | 2025-12-10 | 156.70 | 163.80/149.60 | 87,908,000 |
| 45 | GRSDR250679 | CNY | USD/CAD | 2025-12-10 | 1.3854 | 1.3950/1.3758 | 189,952,000 |
| 46 | GRSD7G181_28 | CNY | FR007 | 2025-12-10 | -- | -- | 6,131,454,000 |
| 47 | GRSDUDZ25129 | USD | EUR/USD | 2025-12-11 | 1.1686 | 1.1875 | 981,200 |
| 48 | GRSDRDZ252223 | CNY | FR007 | 2025-12-11 | -- | -- | 15,000,000 |
| 49 | GRSDRDZ252217 | CNY | FR007 | 2025-12-11 | -- | -- | 164,000,000 |
| 50 | GRSD7G189_6 | CNY | FR007 | 2025-12-11 | -- | -- | 5,191,060,000 |
| 51 | GRSDRDZ252216 | CNY | FR007 | 2025-12-11 | -- | -- | 63,560,000 |
| 52 | GRSDRDZ252240 | CNY | USD/CAD | 2025-12-12 | 1.3772 | 1.3984 | 163,234,000 |
| 53 | GRSDRDZ252227 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.2174/1.1304 | 30,080,000 |
| 54 | GRSDR250690 | CNY | USD/CAD | 2025-12-12 | 1.3772 | 1.3844/1.3700 | 418,058,000 |
| 55 | GRSDRDZ252120 | CNY | USD/CAD | 2025-12-12 | 1.3772 | 1.3844/1.3700 | 435,672,000 |
| 56 | GRSDRDZ252209 | CNY | USD/JPY | 2025-12-12 | 155.72 | 163.02/148.42 | 112,410,000 |
| 57 | GRSDR250687 | CNY | FR007 | 2025-12-12 | -- | -- | 98,227,000 |
| 58 | GRSDRDZ252119 | CNY | FR007 | 2025-12-12 | -- | -- | 810,925,000 |
| 59 | GRSDRDZ252200 | CNY | FR007 | 2025-12-12 | -- | -- | 226,117,000 |
| 60 | GRSD7G185_16 | CNY | FR007 | 2025-12-12 | -- | -- | 3,242,751,000 |
| 61 | GRSDRDZ252207 | CNY | FR007 | 2025-12-12 | -- | -- | 154,368,000 |
| 62 | GRSDRDZ252208 | CNY | FR007 | 2025-12-12 | -- | -- | 345,470,000 |
| 63 | GRSDRDZ252214 | CNY | FR007 | 2025-12-12 | -- | -- | 117,657,000 |
| 64 | GRSDRDZ252218 | CNY | FR007 | 2025-12-12 | -- | -- | 81,000,000 |
| 65 | GRSDRDZ252219 | CNY | FR007 | 2025-12-12 | -- | -- | 62,000,000 |
| 66 | GRSDRDZ252228 | CNY | FR007 | 2025-12-12 | -- | -- | 773,499,000 |
| 67 | GRSDRDZ252230 | CNY | FR007 | 2025-12-12 | -- | -- | 1,461,487,000 |
| 68 | GRSDRDZ252234 | CNY | FR007 | 2025-12-12 | -- | -- | 76,145,000 |
| 69 | GRSDRDZ252236 | CNY | FR007 | 2025-12-12 | -- | -- | 250,169,000 |
| 70 | GRSDRDZ252238 | CNY | FR007 | 2025-12-12 | -- | -- | 235,881,000 |
| 71 | GRSDRDZ252243 | CNY | FR007 | 2025-12-12 | -- | -- | 100,369,000 |
| 72 | GRSDRDZ252229 | CNY | USD/JPY | 2025-12-12 | 155.72 | 160.37/151.07 | 423,884,000 |
| 73 | GRSDR250688 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1876 | 557,919,000 |
| 74 | GRSDRDZ252201 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1811/1.1667 | 380,467,000 |
| 75 | GRSDRDZ252206 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1812/1.1666 | 110,759,000 |
| 76 | GRSDRDZ252220 | CNY | FR007 | 2025-12-12 | -- | -- | 126,930,000 |
| 77 | GRSDRDZ252245 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1811/1.1667 | 36,990,000 |
| 78 | GRSDR250692 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1839/1.1639 | 141,825,000 |
| 79 | GRSDRDZ252118 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1839/1.1639 | 690,548,000 |
| 80 | GRSD2WG171_31 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1775 | 851,816,000 |
| 81 | GRSD7G182_26 | CNY | FR007 | 2025-12-12 | -- | -- | 1,344,485,000 |
| 82 | GRSD7G183_19 | CNY | FR007 | 2025-12-12 | -- | -- | 3,406,447,000 |
| 83 | GRSDR250659 | CNY | USD/CAD | 2025-12-12 | 1.3772 | 1.3824 | 76,705,000 |
| 84 | GRSDRDZ252232 | CNY | USD/CAD | 2025-12-12 | 1.3772 | 1.3842/1.3702 | 319,161,000 |
| 85 | GRSD7G187_13 | CNY | FR007 | 2025-12-12 | -- | -- | 3,584,773,000 |
| 86 | GRSDRDZ252221 | CNY | USD/CAD | 2025-12-12 | 1.3772 | 1.3836/1.3708 | 55,000,000 |
| 87 | GRSDRDZ252231 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1793/1.1685 | 594,777,000 |
| 88 | GRSDRDZ252222 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1792/1.1686 | 205,753,000 |
| 89 | GRSDRDZ252202 | CNY | USD/JPY | 2025-12-12 | 155.72 | 159.82/151.62 | 159,987,000 |
| 90 | GRSDRDZ252241 | CNY | USD/JPY | 2025-12-12 | 155.72 | 168.02/143.42 | 157,023,000 |
| 91 | GRSDR250658 | CNY | EUR/USD | 2025-12-12 | 1.1739 | 1.1803 | 227,771,000 |
| 92 | GRSDR250689 | CNY | USD/CAD | 2025-12-12 | 1.3772 | 1.3889 | 242,897,000 |
| 93 | GRSDRDZ252203 | CNY | FR007 | 2025-12-12 | -- | -- | 190,997,000 |
2. 按照产品说明书约定，现将2025年12月8日至2025年12月14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 | GRSDR250265 | CNY | AUD/USD | 2025-06-09 | 2025-12-08 | 1.5700% |
| 2 | GRSDRDZ251720 | CNY | GBP/USD | 2025-10-03 | 2025-12-09 | 2.8000% |
| 3 | GRSDRDZ251495 | CNY | FR007 | 2025-09-04 | 2025-12-09 | 1.8154% |
| 4 | GRSDR250653 | CNY | FR007 | 2025-12-01 | 2025-12-09 | 1.6617% |
| 5 | GRSDR250652 | CNY | FR007 | 2025-12-01 | 2025-12-09 | 1.6164% |
| 6 | GRSDRDZ251124 | CNY | AUD/USD | 2025-06-20 | 2025-12-09 | 0.8000% |
| 7 | GRSDRDZ251729 | CNY | FR007 | 2025-10-13 | 2025-12-09 | 2.0057% |
| 8 | GRSDRDZ251506 | CNY | AUD/USD | 2025-09-05 | 2025-12-09 | 2.0500% |
| 9 | GRSDRDZ252103 | CNY | FR007 | 2025-12-01 | 2025-12-09 | 1.9637% |
| 10 | GRSDRDZ251959 | CNY | FR007 | 2025-11-06 | 2025-12-09 | 1.7631% |
| 11 | GRSDRDZ251485 | CNY | GBP/USD | 2025-09-01 | 2025-12-09 | 2.1250% |
| 12 | GRSD7G146_100 | CNY | FR007 | 2025-11-28 | 2025-12-09 | 1.8580% |
| 13 | GRSD7G181_27 | CNY | FR007 | 2025-12-01 | 2025-12-09 | 1.5815% |
| 14 | GRSDR250442 | CNY | EUR/USD | 2025-09-08 | 2025-12-09 | 1.8000% |
| 15 | GRSDRDZ251643 | CNY | AUD/USD | 2025-10-03 | 2025-12-10 | 2.4000% |
| 16 | GRSDRDZ251631 | CNY | AUD/USD | 2025-10-03 | 2025-12-10 | 2.1000% |
| 17 | GRSDRDZ251632 | CNY | USD/JPY | 2025-10-03 | 2025-12-10 | 0.6000% |
| 18 | GRSDRDZ251644 | CNY | EUR/USD | 2025-10-03 | 2025-12-10 | 2.3500% |
| 19 | GRSD7G189_5 | CNY | FR007 | 2025-12-03 | 2025-12-10 | 2.0900% |
| 20 | GRSDRDZ251499 | CNY | FR007 | 2025-09-01 | 2025-12-10 | 1.8780% |
| 21 | GRSDRDZ251476 | CNY | FR007 | 2025-08-29 | 2025-12-10 | 1.7019% |
| 22 | GRSDRDZ251630 | CNY | AUD/USD | 2025-10-03 | 2025-12-10 | 2.1000% |
| 23 | GRSD2WG171_30 | CNY | GBP/USD | 2025-11-27 | 2025-12-11 | 1.8500% |
| 24 | GRSD7G187_12 | CNY | FR007 | 2025-12-04 | 2025-12-11 | 1.6950% |
| 25 | GRSDRDZ251085 | CNY | AUD/USD | 2025-06-09 | 2025-12-11 | 2.2000% |
| 26 | GRSD7G185_15 | CNY | FR007 | 2025-12-04 | 2025-12-11 | 1.5700% |
| 27 | GRSD7G183_18 | CNY | FR007 | 2025-12-04 | 2025-12-11 | 1.6250% |
| 28 | GRSD7G182_25 | CNY | FR007 | 2025-12-04 | 2025-12-11 | 1.7700% |
| 29 | GRSDR250604 | CNY | USD/CAD | 2025-11-10 | 2025-12-12 | 2.3500% |
| 30 | GRSDR250581 | CNY | USD/CAD | 2025-11-10 | 2025-12-12 | 1.7000% |
| 31 | GRSDR250580 | CNY | EUR/USD | 2025-11-10 | 2025-12-12 | 1.7000% |
| 32 | GRSDR250595 | CNY | FR007 | 2025-11-07 | 2025-12-12 | 1.3701% |
| 33 | GRSDR250611 | CNY | NZD/USD | 2025-11-14 | 2025-12-12 | 3.0000% |
| 34 | GRSDR250610 | CNY | GBP/USD | 2025-11-14 | 2025-12-12 | 0.2500% |
| 35 | GRSDR250583 | CNY | NZD/USD | 2025-11-14 | 2025-12-12 | 1.8000% |
| 36 | GRSDR250582 | CNY | GBP/USD | 2025-11-14 | 2025-12-12 | 1.8000% |
| 37 | GRSDRDZ251901 | CNY | USD/CAD | 2025-11-07 | 2025-12-12 | 1.9000% |
| 38 | GRSDR250447 | CNY | AUD/USD | 2025-09-08 | 2025-12-12 | 1.8000% |
| 39 | GRSDRDZ251814 | CNY | EUR/USD | 2025-10-27 | 2025-12-12 | 1.4000% |
| 40 | GRSDRDZ252012 | CNY | FR007 | 2025-11-13 | 2025-12-12 | 1.9370% |
| 41 | GRSDR250603 | CNY | GBP/USD | 2025-11-10 | 2025-12-12 | 0.2000% |
| 42 | GRSDRDZ251824 | CNY | EUR/USD | 2025-10-27 | 2025-12-12 | 1.3250% |
| 43 | GRSDRDZ252025 | CNY | GBP/USD | 2025-11-21 | 2025-12-12 | 0.6500% |
| 44 | GRSDUDZ25093 | USD | GBP/USD | 2025-06-11 | 2025-12-12 | 2.0000% |
| 45 | GRSDU24244 | USD | GBP/USD | 2024-12-12 | 2025-12-12 | 2.6500% |
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12月15日