China Everbright Bank Company Limited 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 關於召開董事會會議的通知 中國光大銀行股份有限公司（「本公司」）謹此公佈，本公司將於2026年3月30日（星期一）召 開董事會會議，藉以審議並（如認為適當）批准包括本公司截至2025年12月31日止年度之 年度業績及建議派發末期股息（如有）等事宜。 中國光大銀行股份有限公司 董事會 中國‧北京 2026年3月18日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為吳 利軍先生、崔勇先生、趙晶晶女士、姚威先生、張銘文先生及李巍先生；以及獨立非執 行董事為李引泉先生、劉世平先生、黃振中先生、劉俏先生、胡湘先生及李穎琦女士。 6818 ...

中國光大銀行股份有限公司（「本公司」）謹此公佈，本公司將於2026年3月30日（星期一）召 開董事會會議，藉以審議並（如認為適當）批准包括本公司截至2025年12月31日止年度之 年度業績及建議派發末期股息（如有）等事宜。 中國光大銀行股份有限公司 董事會 China Everbright Bank Company Limited 6818 關於召開董事會會議的通知 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 中國‧北京 2026年3月18日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為吳 利軍先生、崔勇先生、趙晶晶女士、姚威先生、張銘文先生及李巍先生；以及獨立非執 行董事為李引泉先生、劉世平先生、黃振中先生、劉俏先生、胡湘先生及李穎琦女士。 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 219 regional banks in Shandong Province, highlighting their asset structure, profitability, and asset quality compared to listed banks [6][21] - The asset growth rate of major city commercial banks in Shandong is 13.5%, which is lower than the 14.2% growth rate of listed city commercial banks [26] - The report indicates that the loan-to-asset ratio for city commercial banks is 54.9%, while for rural commercial banks it is 51.6%, both showing a slight year-on-year decline [31] - The profitability metrics reveal that the return on assets (ROA) for city commercial banks in Shandong is 50 basis points lower than that of listed city commercial banks, and the return on equity (ROE) is 3.09 percentage points lower [6][31] - The asset quality of regional banks in Shandong is weaker than that of listed banks, with non-performing loan ratios higher by 21 basis points for city commercial banks and 72 basis points for rural commercial banks [6][31] Summary by Sections 1. Economic Structure of Shandong Province - Shandong Province is implementing initiatives to enhance its economic development, focusing on green and high-quality growth [13] 2. Overview of Regional Banks in Shandong - Shandong has 219 commercial banks, including 14 city commercial banks, 91 village banks, and 110 rural commercial banks [21] - The report notes that the majority of these banks were established between 2011 and 2015, with 125 banks founded during this period [21] 3. Asset and Liability Structure - The asset growth of major banks has remained stable since 2017, with city commercial banks showing a growth rate of 13.5% in the first half of 2025 [26] - The report highlights that the loan structure is predominantly corporate loans, with city and rural commercial banks having corporate loan ratios of 72.7% and 64.2%, respectively [32] 4. Profitability and Asset Quality - The report indicates that the profitability of Shandong's regional banks is lower than that of listed banks, with city commercial banks' ROA at 0.66% and ROE at 9.43% [6][31] - The non-performing loan ratio for city commercial banks is reported at 1.21%, which is higher than the average for listed banks [31] 5. Capital Adequacy - The capital adequacy ratios for city and rural commercial banks in Shandong are reported to be 13.4% and 13.8%, respectively, indicating a sufficient safety margin [6][31]

Core Insights - The report emphasizes the financial impact of rising inflation, particularly due to the recent increase in oil prices, which is expected to have a more significant effect on the price system compared to previous instances, such as during the 2022 Russia-Ukraine conflict [21][22] - The current economic cycle is positioned differently than in 2022, with signs indicating a potential recovery in corporate inventory and an increase in long-term loans, suggesting a shift towards a demand cycle [21][22] - The report predicts that long-term bond rates will likely break through their upper resistance levels as nominal economic recovery continues, with structural monetary policy adjustments being a key focus for the central bank [3][23] Financial Implications - The report outlines three main financial implications: 1. Long-term bond rates are expected to rise, with the ten-year government bond yield likely to break its current range [3][23] 2. A decrease in market risk appetite may lead to a shift from liquidity-driven asset valuation to profit-driven valuation, potentially resulting in a challenging period for financial assets [3][23] 3. The ongoing geopolitical tensions in the Middle East may drive capital flows towards safer assets, including RMB-denominated assets, depending on the pace of financial infrastructure opening [3][23] Banking Sector Adjustments - The banking sector is advised to adjust its mindset regarding the interest rate down cycle, preparing for a scenario where interest rates and funding costs may no longer decline [4][24] - Large banks should focus on reducing the duration of loans and increasing the acquisition of settlement deposits, while smaller banks need to extend the duration of liabilities to mitigate potential impacts from cyclical shifts [4][24] Market Performance - During the observation period from March 9 to March 13, 2026, the banking sector overall increased by 1.5%, outperforming the broader market [19][56] - The report notes that the A-share banking sector showed a positive performance, while H-share banks lagged behind, indicating a divergence in market performance [19][56] Profit Forecasts - The report indicates that profit growth expectations for banks in 2025 remain largely unchanged, with minor adjustments noted for specific banks [20][56]

Investment Rating - The industry investment rating is "Buy" [3] Core Views - The expectation for interest rate cuts and reserve requirement ratio reductions has weakened, indicating a shift towards a more cautious monetary policy approach [14] - The central bank is expected to maintain a balanced approach in using monetary policy tools, focusing on supporting the economy while ensuring bank profitability [14] - Personal mortgage rates in China are nearing the average levels seen during the zero interest rate periods in the US, UK, and Japan, reflecting a stable monetary policy stance [14] - The central bank aims to keep interbank liquidity ample without resorting to excessive liquidity injections, supporting banks in capital replenishment and reducing funding costs [14] Summary by Sections Section 1: Weakening Expectations for Rate Cuts - The central bank's recent actions indicate a preference for a "prudent choice" in monetary policy, balancing multiple objectives [14] - The current credit interest rates are at historical lows, with a focus on maintaining bank interest margins while promoting low financing costs through market regulation [14] - The central bank's operations have resulted in a net withdrawal of 2,511 billion CNY, with a focus on maintaining liquidity stability [15] Section 2: Central Bank Dynamics and Market Rates - The central bank conducted 1,765 billion CNY in 7-day reverse repos at a rate of 1.40%, with a net withdrawal of 2,511 billion CNY overall [15] - Market rates have shown slight increases, with R001 and R007 rising to 1.39% and 1.50% respectively [15] - Upcoming liquidity events include a significant reverse repo maturity and tax payment dates, which may affect market liquidity [25] Section 3: Bank Financing Tracking - The total outstanding amount of interbank certificates of deposit (NCD) is 18.47 trillion CNY, with a weighted average interest rate of 1.67% [22] - The issuance of interbank certificates of deposit totaled 8,459 billion CNY, with a completion rate of 94.1% [22] - The commercial bank bond market remains stable, with no new issuances reported during the period [22]

China Everbright Bank Company Limited 6818 董事名單與其角色和職能 中國光大銀行股份有限公司（「本公司」）董事會（「董事會」）成員載列如下： 郝成 齊曄 楊兵兵 非執行董事 趙晶晶 姚威 張銘文 李巍 獨立非執行董事 李引泉 劉世平 黃振中 劉俏 胡湘 李穎琦 董事長，非執行董事 吳利軍 副董事長，非執行董事 崔勇 執行董事 二零二六年三月十三日 - 2 - M - 1 - 下表提供各董事會成員在董事會委員會中所擔任職務之信息。 | | | | | | | | 社會責任、 普惠金融 發展和 | | --- | --- | --- | --- | --- | --- | --- | --- | | 董事╱ | | 風險管理 | | | | 關聯交易 | 消費者權益 | | 董事會委員會 | 戰略委員會 | 委員會 | 審計委員會 | 提名委員會 | 薪酬委員會 | 控制委員會 | 保護委員會 | | 吳利軍 | C | | | M | | | | | 崔勇 | M | | | | | | | | 郝成 | M | C | | | | | C | | 齊曄 | | | | ...

China Everbright Bank Company Limited 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 - 1 - 胡湘先生及李穎琦女士的簡歷請參見本公司日期為2025年10月30日的通函。截至本公告 日期，該等資料並未發生任何變化。 根據法律法規及《中國光大銀行股份有限公司章程》的相關規定，黃志凌先生及邵瑞慶先 生因任期屆滿，分別自胡湘先生及李穎琦女士任職之日起不再擔任本公司獨立非執行董 事及董事會專門委員會相關職務。經黃志凌先生及邵瑞慶先生確認，其與董事會無不同 意見，亦無任何與其離任有關的事項需要通知本公司股東。 董事會謹此對黃志凌先生及邵瑞慶先生在其任職期間對本公司做出的貢獻表示衷心感 謝，對胡湘先生及李穎琦女士的加入表示歡迎。 中國光大銀行股份有限公司 董事會 6818 關於董事任職資格核准的公告 中國光大銀行股份有限公司（「本公司」）根據《香港聯合交易所有限公司證券上市規則》第 13.10B條作出本公告。 茲提述本公司 ...

China Everbright Bank Company Limited 6818 董事名單與其角色和職能 中國光大銀行股份有限公司（「本公司」）董事會（「董事會」）成員載列如下： 董事長，非執行董事 吳利軍 副董事長，非執行董事 崔勇 非執行董事 趙晶晶 姚威 張銘文 李巍 獨立非執行董事 李引泉 劉世平 黃振中 劉俏 胡湘 李穎琦 - 1 - 下表提供各董事會成員在董事會委員會中所擔任職務之信息。 執行董事 郝成 齊曄 楊兵兵 M | | | | | | | | 社會責任、 普惠金融 發展和 | | --- | --- | --- | --- | --- | --- | --- | --- | | 董事╱ | | 風險管理 | | | | 關聯交易 | 消費者權益 | | 董事會委員會 | 戰略委員會 | 委員會 | 審計委員會 | 提名委員會 | 薪酬委員會 | 控制委員會 | 保護委員會 | | 吳利軍 | C | | | M | | | | | 崔勇 | M | | | | | | | | 郝成 | M | C | | | | | C | | 齊曄 | | | | | | | M | | 楊兵兵 ...

关于董事任职资格核准的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国光大银行股份有限公司（简称本行）于近日收到《国家金融 监督管理总局关于胡湘光大银行独立董事任职资格的批复》（金复 〔2026〕135 号）和《国家金融监督管理总局关于李颖琦光大银行独 立董事任职资格的批复》（金复〔2026〕138 号），国家金融监督管理 总局已分别于 2026 年 3 月 6 日和 2026 年 3 月 12 日核准胡湘先生及 李颖琦女士本行独立董事的任职资格。 股票代码：601818 股票简称：光大银行 公告编号：临 2026-016 中国光大银行股份有限公司 本行董事会谨此对黄志凌先生及邵瑞庆先生在其任职期间对本 行做出的贡献表示衷心感谢，对胡湘先生及李颖琦女士的加入表示欢 迎。 1 特此公告。 中国光大银行股份有限公司董事会 2026 年 3 月 13 日 2 胡湘先生及李颖琦女士简要情况详见本行于 2025 年 10 月 31 日 刊 登 在 上 海 证 券 交 易 所 网 站 （ www.sse.com.cn ） 及 本 ...

当前，数字经济已成为推动经济社会高质量发展的核心引擎，金融数字化转型进入深水区，但部 分行业仍面临一定程度的场景生态壁垒、服务下沉深度不够、普惠覆盖范围不均等情形。如何更 好打通数字政务服务"最后一公里"、降低企业数字化管理成本、进一步提升县域乡村数字金融渗 透率、弥合特殊群体面临的"数字鸿沟"等问题，需要更深入、更系统性的金融服务解决方案。 在此背景下，中国光大银行的"光大云缴费"平台凭借"场景深耕+生态开放+技术赋能"的差异 化发展路径，完成了从便民工具到数字金融基础设施的蜕变，以"微金融"之力破解民生与产 业痛点，让金融服务更具温度与广度。多年来，"光大云缴费"紧扣数字金融发展要求，聚焦 群众"急难愁盼"问题与产业转型核心诉求，通过技术赋能场景再造、服务下沉县域乡村、生 态联动产业升级，形成可复制的"光大方案"，其服务已深度融入民生与产业的每一个环节。 2 0 2 5年，"光大云缴费"已服务超3 6亿人次，累计接入水、电、燃气、供暖、教育、物业、社 保、非税等线上便民缴费服务超1 . 9万项，并输出至数字人民币APP、微信、支付宝、华为等 9 1 0家合作机构。其不仅稳居中国领先开放式便民缴费平台地位， ...