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。 中國光大銀行股份有限公司 China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （股份代號：6818） 2024年第三季度報告 中國光大銀行股份有限公司（「本公司」）董事會（「董事會」）謹此宣佈本公司及其附屬公司 截至2024年9月30日止第三季度（「報告期」），根據《國際財務報告準則》（「國際財務報告準 則」）編制的未經審計業績。本公告乃根據《證券及期貨條例》（香港法例第571章）第XIVA 部及《香港聯合交易所有限公司證券上市規則》第13.09條的要求作出。 中國光大銀行股份有限公司 董事會 中國 • 北京 2024年10月30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、曲亮先生、姚威先生、朱文輝先生及李巍先生；以及獨立非執 行董事為邵瑞慶先生、洪永淼先生、李引泉先生、劉世平先 ...

■ank 中国光大银行 EVERBRIGHTBAN 打 造 一 流 財 富 管 理 行 銀 股份代碼：6818 中國光大銀行股份有限公司 China Everbright Bank Company Limited (於中華人民共和國註冊成立的股份有限公司) 20 中期報告 INTERIM REPORT 重要提示 本行董事會、監事會及董事、監事、高級管理人員保證本報告內容的真實、準確、完整，不存在虛假記 載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本行第九屆董事會第二十一次會議於2024年8月30日在北京召開，審議通過本行《2024年中期報告》。會議 應出席董事14名，其中，親自出席董事13名，李巍、李引泉董事以視頻方式參會；委託出席董事1名，姚 威董事因其他公務未能親自出席，書面委託李巍董事代為出席並行使表決權。本行6名監事列席本次會議。 本行按照中國會計準則和國際財務報告準則編製的2024年中期財務報告已經畢馬威華振會計師事務所（特 殊普通合夥）和畢馬威會計師事務所分別根據中國和國際審閱準則審閱。 本行董事長吳利軍、行長郝成、首席財務官劉彥及財務會計部總經理盧健保證本報告中財務報告的真實、 準確 ...

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。 中國光大銀行股份有限公司 China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （股份代號：6818） 2024年中期業績公告 中國光大銀行股份有限公司（「本公司」）董事會（「董事會」）謹此宣佈本公司及其附屬公司 截至2024年6月30日止六個月期間之未經審計業績。本公告列載本公司2024年中期報告 全文，並符合香港聯合交易所有限公司證券上市規則中有關中期業績公告附載的資料之 要求。本公司2024年中期報告將於2024年9月刊載於本公司網站（www.cebbank.com）及香 港交易及結算所有限公司「披露易」網站（www.hkexnews.hk），並按本公司H股股東選擇收 取公司通訊的方式寄發予本公司H股股東。 發佈業績公告 本業績公告的中英文版本可在本公司網站(www.cebbank.com)及香港交易及結算所有限公 司「披露易」網站 ...

[Table_Title] 研究报告 Research Report 5 Aug 2024 光大银行 China Everbright Bank (6818 HK) 规模稳健增长，金融科技服务能力不断提升 Steady Growth in Scale, Continuous Improvement in Fintech Service 周琦 Nicole Zhou, CFA nicole.q.zhou@htisec.com [Table_yemei1] 热点速评 Flash Analysis [Table_summary] (Please see APPENDIX 1 for English summary) 点评 光大银行 24Q1 归母净利润同比增长 0.39%，营收同比下降 9.61%。业务规模稳步增长，经营效益符合预 期，资产规模 6.90 万亿元，较 2023 年末增长 1.84%。科技型企业贷款余额和绿色贷款余额余额较 2023 年末分别增长 23.90%和 18.97%。 业务规模稳步增长。截至 24Q1，光大银行资产总额 68,975.28 亿元，比 2023 年末增长 1.84%，其中， 贷 ...

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。 中國光大銀行股份有限公司 China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （股份代號：6818） 2024年第一季度報告 中國光大銀行股份有限公司（「本公司」）董事會（「董事會」）謹此宣佈本公司及其附屬公司 截至2024年3月31日止第一季度（「報告期」），根據《國際財務報告準則》（「國際財務報告準 則」）編制的未經審計業績。本公告乃根據《證券及期貨條例》（香港法例第571章）第XIVA 部及《香港聯合交易所有限公司證券上市規則》第13.09條的要求作出。 中國光大銀行股份有限公司 董事會 中國 • 北京 2024年4月29日 於本公告日期，本公司執行董事為王志恒先生及曲亮先生；非執行董事為吳利軍先生、 姚威先生、朱文輝先生及李巍先生；以及獨立非執行董事為邵瑞慶先生、洪永淼先生、 李引泉先生、劉世平先生及黃志凌先生。 中國光大銀行股 ...

Financial Performance - Operating income reached 1,457.35 billion yuan, with pre-tax profit at 497.57 billion yuan and net profit at 410.76 billion yuan[3] - Total assets amounted to 67,727.96 billion yuan, with total liabilities at 62,180.11 billion yuan[3] - Total loans stood at 37,869.54 billion yuan, while deposit balance was 40,945.28 billion yuan[3] - Non-performing loan ratio was 1.25%, with a loan provision ratio of 2.27% and a provision coverage ratio of 181.27%[3] - Corporate comprehensive financing (FPA) scale reached 5.09 trillion yuan, and interbank financial (GMV) scale was 3.94 trillion yuan[4] - The board proposed a dividend of 1.73 yuan per 10 shares (pre-tax) for 2023[2] - The bank's three North Star indicators were measured in trillions of yuan, though specific figures were not provided[3] - Total assets reached 6.77 trillion yuan, a year-on-year increase of 7.50%[24] - Total liabilities reached 6.22 trillion yuan, a year-on-year increase of 7.38%[24] - Deposits exceeded 4 trillion yuan[24] - Retail asset management scale (AUM) increased by 12.42% year-on-year[24] - Non-performing loan ratio remained stable at 1.25%[26] - Technology innovation loans increased by 50.64% year-on-year[24] - Manufacturing loans increased by 24.74% year-on-year[24] - Green loans increased by 57.44% year-on-year[24] - Corporate comprehensive financing scale (FPA) exceeded 5 trillion yuan[24] - Pension custody scale increased by 19.60% year-on-year[24] - Net interest income decreased by 5.43% to RMB 107.48 billion in 2023 compared to RMB 113.655 billion in 2022[28] - Net fee and commission income dropped by 11.39% to RMB 23.698 billion in 2023 from RMB 26.744 billion in 2022[28] - Total operating income declined by 4.04% to RMB 145.735 billion in 2023 from RMB 151.865 billion in 2022[28] - Net profit attributable to shareholders decreased by 8.96% to RMB 40.792 billion in 2023 from RMB 44.807 billion in 2022[28] - Total assets increased by 7.50% to RMB 6.772796 trillion in 2023 from RMB 6.30051 trillion in 2022[28] - Total loans and advances grew by 6.01% to RMB 3.786954 trillion in 2023 from RMB 3.572276 trillion in 2022[28] - Non-performing loan ratio remained stable at 1.25% in 2023, unchanged from 2022[28] - Provision coverage ratio decreased by 6.66 percentage points to 181.27% in 2023 from 187.93% in 2022[28] - Loan provision ratio declined by 0.08 percentage points to 2.27% in 2023 from 2.35% in 2022[28] - The company distributed preferred stock dividends of RMB 2.971 billion and perpetual capital bond interest of RMB 1.84 billion in 2023[29] - Total capital net amount increased to RMB 651.382 billion in 2023, up from RMB 593.218 billion in 2022[34] - Core Tier 1 capital adequacy ratio improved to 9.18% in 2023, compared to 8.72% in 2022[34] - Leverage ratio rose to 7.10% as of December 31, 2023, from 6.90% in March 2023[36] - Liquidity coverage ratio surged to 149.17% at the end of 2023, up from 120.72% in March 2023[38] - Net stable funding ratio increased to 109.48% in December 2023, compared to 104.81% in March 2023[39] - Maximum single non-bank customer loan balance as a percentage of net capital rose to 2.24% in 2023, up from 1.63% in 2022[40] - Maximum single non-bank customer risk exposure as a percentage of Tier 1 capital increased to 2.67% in 2023, compared to 1.92% in 2022[40] - Maximum single interbank customer risk exposure as a percentage of Tier 1 capital decreased to 3.58% in 2023, down from 5.36% in 2022[40] - Risk-weighted assets totaled RMB 4.824 trillion in 2023, up from RMB 4.580 trillion in 2022[34] - Adjusted on- and off-balance sheet assets reached RMB 7.726 trillion as of December 31, 2023[36] - Total assets increased by 7.50% to 6,772.796 billion yuan, with loans and advances growing by 6.01% to 3,786.954 billion yuan[56] - Deposit balance rose by 4.53% to 4,094.528 billion yuan[56] - Operating income decreased by 4.04% to 145.735 billion yuan, with net interest income down by 5.43% to 107.480 billion yuan[57] - Net profit declined by 8.80% to 41.076 billion yuan, primarily due to increased provision for asset impairment losses, which grew by 2.96%[57] - Non-performing loan (NPL) ratio remained stable at 1.25%, with NPL balance increasing by 28.02 billion yuan to 474.76 billion yuan[58] - Provision coverage ratio decreased by 6.66 percentage points to 181.27%[58] - Capital adequacy ratio improved by 0.55 percentage points to 13.50%, with core tier 1 capital adequacy ratio increasing by 0.46 percentage points to 9.18%[58] - Successfully converted 16.9 billion yuan of convertible bonds and issued 15 billion yuan of tier 2 capital bonds[58] - Net interest margin (NIM) decreased by 27 basis points to 1.74%, and net interest spread declined by 25 basis points to 1.68%[62] - Interest income from loans and advances decreased to 175.189 billion yuan, with an average yield of 4.75%, down from 4.98% in the previous year[63] - Interest income increased by RMB 9.5 billion, with a growth of 3.94% YoY, primarily driven by investment interest income growth[67] - Loan and advance interest income grew by RMB 2.364 billion, a 1.37% YoY increase, mainly due to loan scale expansion[67][68] - Investment interest income rose by RMB 4.21 billion, a 7.89% YoY increase, attributed to investment scale growth[69] - Interest income from interbank placements and repurchase agreements surged by RMB 3.459 billion, a 78.20% YoY increase, driven by both scale and yield growth[70] - Interest expenses increased by RMB 15.675 billion, a 12.28% YoY rise, mainly due to higher interbank borrowing and repurchase agreement costs[71][73] - Fee and commission net income decreased by RMB 3.046 billion, an 11.39% YoY decline, primarily due to a reduction in bank card service fees[75][76] - Other income increased by RMB 3.091 billion, largely due to higher investment securities net gains[77] - Operating expenses decreased by RMB 1.318 billion, a 2.91% YoY reduction, with a cost-to-income ratio of 28.95%[78][79] - Asset impairment losses increased by RMB 1.496 billion, a 2.96% YoY rise, reflecting a prudent provisioning policy[80][81] - Total assets grew by RMB 472.286 billion, a 7.50% YoY increase, primarily driven by loan and advance growth[83] - Total loans and advances increased by RMB 214.678 billion (6.01%) to RMB 3,786.954 billion as of December 31, 2023, accounting for 55.91% of total assets, a decrease of 0.79 percentage points compared to the previous year[85] - Corporate loans accounted for 57.19% of total loans and advances, amounting to RMB 2,165.840 billion, while retail loans accounted for 39.94%, totaling RMB 1,512.616 billion[86] - Investment securities and other financial assets increased by RMB 192.444 billion to RMB 2,254.786 billion, representing 33.29% of total assets, an increase of 0.56 percentage points compared to the previous year[87] - Financial bonds held by the company amounted to RMB 673.082 billion, with 66.84% measured at amortized cost[90] - The company's total liabilities increased by RMB 427.514 billion (7.38%) to RMB 6,218.011 billion, primarily due to an increase in customer deposits and bonds payable[94] - Customer deposits accounted for 65.85% of total liabilities, amounting to RMB 4,094.528 billion, while bonds payable accounted for 17.68%, totaling RMB 1,099.326 billion[95] - Customer deposits increased by 177.36 billion RMB, reaching 4,094.53 billion RMB, a growth of 4.53% compared to the previous year[97] - Corporate customer deposits accounted for 59.03% of total deposits, with a balance of 2,417.11 billion RMB[97] - Retail customer deposits grew to 1,194.62 billion RMB, representing 29.17% of total deposits[97] - The company's shareholder equity increased by 44.77 billion RMB to 554.79 billion RMB, driven by profit growth and convertible bond conversions[99][100] - Credit commitments decreased by 41.24 billion RMB to 1,338.18 billion RMB, primarily due to reductions in acceptance bills and letters of credit[101][102] - Manufacturing loans accounted for 20.55% of total corporate loans, with a balance of 444.91 billion RMB[104] - The Yangtze River Delta region had the highest loan distribution, accounting for 23.86% of total loans with a balance of 903.35 billion RMB[105] - Credit loans represented 34.68% of total loans, increasing to 1,313.17 billion RMB[106] - The top 10 loan clients accounted for 1.81% of total loans, with a combined balance of 68.47 billion RMB[107] - Operating cash flow showed a net outflow of 3.61 billion RMB, while financing activities generated a net inflow of 196.02 billion RMB[103] - Total loans and advances amounted to RMB 3,786,954 million, with normal loans accounting for 98.75% (RMB 3,739,478 million) and non-performing loans (NPLs) at 1.25% (RMB 47,476 million)[109] - The migration rate for normal loans increased by 0.44 percentage points to 2.49%, while the migration rate for substandard loans decreased by 8.58 percentage points to 72.10%[110] - Restructured loans and advances increased to RMB 6,551 million, representing 0.17% of total loans, with overdue restructured loans over 90 days at RMB 1,267 million[111] - Overdue loans totaled RMB 73,714 million, with loans overdue for 3 months to 1 year increasing to RMB 26,245 million, accounting for 35.60% of total overdue loans[112] - Corporate loans accounted for 56.55% (RMB 26,849 million) of total NPLs, while retail loans made up 43.45% (RMB 20,627 million)[113] - The Pearl River Delta region had the highest NPL balance at RMB 8,431 million, representing 17.76% of total NPLs[114] - The real estate sector accounted for 18.60% (RMB 8,833 million) of total NPLs, followed by the manufacturing sector at 9.88% (RMB 4,696 million)[117] - Secured loans (mortgage and pledge) accounted for 49.86% (RMB 23,670 million) of total NPLs, while unsecured loans (credit and guarantee) made up 50.14% (RMB 23,806 million)[118] - Foreclosed assets decreased to RMB 314 million, with a net value of RMB 147 million after impairment provisions[119] - The company's total operating income for 2023 was RMB 145.735 billion, a decrease of RMB 6.13 billion (4.04%) compared to 2022[124] - The company's corporate financial business generated operating income of RMB 53.948 billion in 2023, a decrease of RMB 3.671 billion (6.37%) compared to 2022[131] - The company's total FPA (Financing Product Amount) reached RMB 5.09 trillion at the end of 2023, an increase of RMB 244.816 billion (5.06%) compared to the end of 2022[131] - The company's corporate financial clients totaled 980,300 at the end of 2023, an increase of 16,400 (1.70%) compared to the end of 2022[131] - The company disposed of non-performing loans totaling RMB 53.714 billion in 2023, an increase of RMB 4.678 billion compared to 2022[122] - The company's retail financial business generated operating income of RMB 64.956 billion in 2023, a decrease of RMB 1.042 billion (1.58%) compared to 2022[125] - The company's financial markets business generated operating income of RMB 27.872 billion in 2023, a decrease of RMB 179 million (0.64%) compared to 2022[125] - The company's net investment securities income increased by 39.12% to RMB 8.926 billion in 2023 compared to 2022[126] - The company's net exchange income increased by 132.44% to RMB 1.125 billion in 2023 compared to 2022[126] - The company's other operating net income increased by 50.04% to RMB 1.784 billion in 2023 compared to 2022[126] - Corporate loans (excluding discounts) increased by 12.14% year-on-year, with manufacturing, strategic emerging industries, green loans, loans to technology-based enterprises, and loans to small and micro businesses growing by 24.74%, 46.71%, 57.44%, 50.64%, and 24.18% respectively[133] - The bank's corporate RMB loan balance (including discounts) in six strategic regions (Beijing-Tianjin-Hebei, Yangtze River Delta, Guangdong-Hong Kong-Macao Greater Bay Area, Yangtze River Economic Belt, Yellow River Basin Ecological Protection, and Hainan Free Trade Zone) reached 1.87 trillion yuan, an increase of over 180 billion yuan from the end of the previous year[136] - Corporate deposits (including corporate portions of margin deposits) reached 2,823.064 billion yuan, an increase of 42.707 billion yuan or 1.54% year-on-year, with core corporate RMB deposits increasing by 87.602 billion yuan or 3.62%[138] - Corporate loans (excluding discounts) amounted to 2,165.840 billion yuan, an increase of 234.390 billion yuan or 12.14% year-on-year[138] - The bank approved over 60 billion yuan in "Specialized and Sophisticated Giant Loans" by the end of the reporting period[138] - The balance of inclusive loans to small and micro businesses reached 379.133 billion yuan, an increase of 73.816 billion yuan or 24.18% year-on-year, exceeding the average loan growth rate of the bank[139] - The number of inclusive customers reached 429,700, showing steady growth year-on-year[139] - The weighted average interest rate for newly issued loans was 3.97%, a decrease of 47 basis points year-on-year[139] - The non-performing loan ratio for inclusive loans to small and micro businesses was 0.85%[139] - The company underwrote 818 non-financial corporate debt financing instruments in the interbank bond market, with a total underwriting amount of 481.418 billion yuan, including innovative products such as green debt financing tools and rural revitalization notes[140] - The company issued 5 credit asset securitization projects with an asset size of 12.724 billion yuan[140] - The company successfully underwrote and issued a 1 billion yuan green medium-term note for a wind power company, the first green innovation note underwritten by the company[140] - The company issued a 300 million yuan green asset-backed commercial paper (carbon neutrality bond) for a transportation holding group, the first of its kind in the market[140] - The company helped 14 market entities issue 21 green bonds, with a cumulative underwriting amount of 8.128 billion yuan[140] - The company's transaction banking business achieved a trade finance balance of 453.952 billion yuan at the end of the reporting period[141] - The company's retail financial business achieved operating income of 64.956 billion yuan, a decrease of 1.58% year-on-year, accounting for 44.57% of the company's total operating income[142] - The company's retail customers reached 152.2373 million, with a year-on-year growth of 3.52%[143] - The company's retail deposits (including retail portion of margin deposits) reached 1.200789 trillion yuan, an increase of 12.60% compared to the end of the previous year[145] - Retail loan balance (excluding credit cards) reached 1,079.069 billion yuan, an increase of 23.679 billion yuan, up 2.24% year-on-year[146] - Personal wealth management fee income was 7.42 billion yuan, accounting for 31.31% of the bank's total fee income, with agency insurance fee income growing 43.66% year-on-year[148] - Private banking clients increased to 63,502, up 12.34% year-on-year, with assets under

智通财经APP获悉，美银证券发布研究报告称，重申中国光大银行(06818)“跑输大市”评级，下调今明两年每股盈利预测9%至11%，目标价由2.45港元下调至2.35港元。 报告中称，公司去年纯利同比跌9%至408亿元人民币，主要受公司增加拨备处理不良资产拖累，去年第四季及全年的拨备总额分别同比增长68%及3%。派息率同比增长0.3个百分点至28.4%，但末期息同比跌8.9%至17.3分人民币。 ...

智通财经APP获悉，中国光大银行(06818)绩后跌超10%，截至发稿，跌10.08%，报2.32港元，成交额3371.39万港元。 消息面上，光大银行披露的2023年年报显示，该行2023年实现营业收入1456.85亿元，同比下降3.92%；实现归属于该行股东的净利润407.92亿元，同比下降8.96%，光大银行对此解释道，主要是为夯实资产质量管控基础，加大拨备计提力度。 经计算，2023年第四季度，公司单季度主营收入334.55亿元，同比下降2.62%；单季度归母净利润31.02亿元，同比下降62.24%；单季度扣非净利润30.74亿元，同比下降62.36%。 ...

2023 年年度報告（H 股） 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。 2023 年年度業績公告 中國光大銀行股份有限公司（「本公司」）董事會（「董事會」）謹 此宣佈本公司及其附屬公司截至 2023 年 12 月 31 日止之經審計業績。 本公告列載本公司 2023 年年度報告全文，並符合香港聯合交易所有 限公司證券上市規則中有關年度業績公告附載的資料之要求。本公司 2023 年 年 度 報 告將 於 2024 年 4 月 刊 載 於 本 公 司 網 站 （www.cebbank.com）及香港交易及結算所有限公司「披露易」網站 （www.hkexnews.hk），並按本公司 H 股股東選擇收取公司通訊的方 式寄發予本公司 H 股股東。 ...

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。 中國光大銀行股份有限公司 China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （股份代號：6818） 2023年第三季度報告 中國光大銀行股份有限公司（「本公司」）董事會（「董事會」）謹此宣佈本公司及其附屬公司 截至2023年9月30日止第三季度（「報告期」），根據《國際財務報告準則》（「國際財務報告準 則」）編制的未經審計業績。本公告乃根據《證券及期貨條例》（香港法例第571章）第XIVA 部及《香港聯合交易所有限公司證券上市規則》第13.09條的要求作出。 中國光大銀行股份有限公司 董事會 中國 • 北京 2023年10月30日 於本公告日期，本公司執行董事為王志恒先生及曲亮先生；非執行董事為王江先生、吳 利軍先生、姚威先生、朱文輝先生、劉沖先生及李巍先生；以及獨立非執行董事為王立 國先生、邵瑞慶先生、洪永淼先生、李引泉先生、韓復齡 ...