8月29日晚，光大银行公布2025年上半年业绩报告。报告显示，该行实现营业收入659.18亿元，同比下 降5.57%；归属股东净利润246.22亿元，同比增长0.55%。利息净收入454.32亿元，同比下降5.57%；手 续费及佣金净收入104.43亿元，同比下降0.85%；其他收入100.43亿元，同比下降10.04%。 截至6月末，光大银行资产总额72385.91亿元，比上年末增加2795.70亿元，增长4.02%。贷款和垫款本 金总额40840.70亿元，比上年末增加1501.68亿元，增长3.82%。存款余额42531.82亿元，比上年末增加 2174.95亿元，增长5.39%。基础贷款（不含贴现）39911亿元，比上年末增长5.6%，在资产中占比提升 0.8个百分点至55.1%。负债总额66414亿元，比上年末增长4.3%，其中存款占比提升0.7个百分点至 64.0%。 资产质量方面，不良贷款余额509.15亿元，比上年末增加16.63亿元；不良贷款率1.25%，与上年末持 平；拨备覆盖率172.47%，比上年末下降8.12个百分点；贷款拨备率2.15%，比上年末下降0.11个百分 点。关注率1.8 ...

Core Insights - China Everbright Bank reported a net profit of 24.74 billion yuan for the first half of 2025, reflecting a year-on-year growth of 0.5% despite challenges such as declining asset yields and rising market interest rates [1] - The bank's total assets reached 7,238.6 billion yuan, marking a 4.0% increase from the end of the previous year, with total loans growing by 3.8% to 4,084.1 billion yuan [2] - The bank emphasized its commitment to serving the real economy, with significant growth in technology finance, green finance, inclusive finance, and pension finance [3][4] Financial Performance - Operating income for the first half of 2025 was 65.92 billion yuan, with a net interest margin of 1.40%, unchanged from the first quarter [1] - The bank's non-performing loan ratio stood at 1.25%, consistent with the end of the previous year, while the provision coverage ratio was 172.47% [1] - Total liabilities increased by 4.3% to 66,414 billion yuan, with deposits growing by 5.4% to 42,532 billion yuan [2] Business Development - The bank established 16 "Science and Technology Financial Centers" and created 64 specialized institutions for technology finance, with loans to tech enterprises reaching 417 billion yuan, a 9.9% increase [3] - Green loans amounted to 464.1 billion yuan, up 12.4%, while inclusive loans for small and micro enterprises grew by 4.0% to 452.7 billion yuan [3] - The bank launched various initiatives to support small and micro enterprises, including a credit issuance of 282.9 billion yuan to 33,000 enterprises [4] Strategic Initiatives - The bank issued seven national first batch of technology innovation bonds and supported real estate financing with 1,134 billion yuan disbursed across 343 projects [4] - The bank's wealth management segment saw the launch of new products, achieving a management scale of 1.80 trillion yuan [5] - The bank is focused on enhancing its digital financial services, with significant engagement in supply chain finance and international settlement solutions [5] Future Outlook - The bank aims to leverage its unique operational characteristics and comparative advantages to drive high-quality development while serving the real economy and social welfare [6]

报告显示，2025年上半年，光大银行将服务实体经济作为出发点和落脚点，科技金融方面，推动16 家分行设立"科创金融中心"，创设64家科技金融专营机构，科技型企业贷款余额4170亿元，比上年末增 长9.9%。绿色金融方面，持续推进体系建设、产品创新、服务升级，做好传统行业绿色低碳转型支 持，绿色贷款余额4641亿元，比上年末增长12.4%。普惠金融方面，深化落实小微企业融资协调工作机 制，打造"3+1+N"线上化产品体系，拓展小微企业"信贷+"服务，普惠贷款余额4527亿元，比上年末增 长4.0%。养老金融方面，发挥协同服务优势，打造"和光颐享"品牌，累计提供830余支养老金融产品， 养老金融专区累计服务客户260万人次，养老产业贷款余额较上年末增长30%。 光大银行积极服务经济社会发展大局，推动"一揽子"金融政策落地见效。一是用好用足科技创新、 设备更新、消费与养老再贷款等政策工具，发行7单全国首批科技创新债券，成功落地股票回购增持贷 款业务。二是大力支持民营小微融资，发布"服务民企光大行"行动方案，制造业中长期贷款、战略性新 兴产业贷款分别增长7.6%、19.1%。落实小微企业融资协调机制，为推荐清单内3. ...

Core Viewpoint - The new housing loan policy in Shanghai aims to optimize the pricing mechanism for commercial personal housing loans, impacting both new and existing loans [1][3] Group 1: Policy Adjustments - The first major adjustment is the elimination of the interest rate difference between first and second home loans, with future rates determined by the market rate pricing self-discipline mechanism in Shanghai [3] - The second adjustment expands the scope for interest rate adjustments on existing housing loans, allowing borrowers to apply for a reduction in the additional interest rate if it exceeds the average new loan rate by 30 basis points [3] Group 2: Implementation Details - The new policy will take effect from September 1, allowing borrowers to check their loan eligibility for interest rate reductions through online banking channels [3] - The People's Bank of China has set a reference benchmark, with the weighted average interest rate for new commercial personal housing loans at 3.09% for the second quarter of 2025 [3]

资产质量方面，报告期末，光大银行不良贷款余额509.15亿元，比上年末增加16.63亿元；不良贷款率 1.25%，与上年末持平；拨备覆盖率172.47%，比上年末下降8.12个百分点。贷款拨备率2.15%，比上年 末下降0.11个百分点。资本净额6910.79亿元，比上年末增加40.02亿元；资本充足率13.53%，一级资本 充足率11.55%，核心一级资本充足率9.49%，均符合监管要求。 业务规模方面，截至报告期末，光大银行资产总额达72385.91亿元，比上年末增加2795.70亿元，增长 4.02%；贷款和垫款本金总额40840.70亿元，比上年末增加1501.68亿元，增长3.82%；存款余额42531.82 亿元，比上年末增加2174.95亿元，增长5.39%。 格隆汇8月29日丨光大银行(601818.SH)发布中报，2025上半年实现营业总收入659.18亿元，同比下降 5.57%；归属母公司股东净利润246.22亿元，同比增长0.55%；基本每股收益为0.38元。其中，利息净收 入454.32亿元，同比下降5.57%；手续费及佣金净收入104.43亿元，同比下降0.85%；其他收入100.4 ...

Group 1 - The core viewpoint of the news is the recent adjustments in housing loan policies by several banks in Shanghai following the city's new real estate policy announcement on August 25 [1] - Major banks including China Construction Bank, Bank of Communications, Industrial and Commercial Bank of China, Bank of China, China Merchants Bank, Agricultural Bank of China, Ping An Bank, China Everbright Bank, Beijing Bank, and Jiangsu Bank have released announcements regarding the optimization of commercial personal housing loan interest rate pricing mechanisms [1][2] - The new policies indicate that there will no longer be a distinction between first and second home loan interest rates, with rates determined based on the Shanghai market interest rate pricing self-discipline mechanism and other factors [2] Group 2 - Some existing housing loan rates may also be adjusted for eligible borrowers, with specific rules for adjustments based on the average interest rates of newly issued loans [2] - According to the People's Bank of China, the weighted average interest rate for newly issued commercial personal housing loans in the second quarter of 2025 is 3.09% [2] - Starting September 1, borrowers can check their eligibility for interest rate reductions through the banks' mobile banking channels, and applications can be made online without additional fees [3]

记者丨李览青 编辑丨周炎炎 上海房市"825大礼包"的房贷利率执行细则来了！ 8月25日，央行上海对上海市商业性个人住房贷款利率定价机制进行调整。内容主要包括以下四项： 第一，在利率定价机制安排方面，上海市商业性个人住房贷款利率不再区分首套住房和二套住房。 继8月25日上海市六部门联合印发《关于优化调整本市房地产政策措施的通知》（以下简称《通知》） 后，多家银行上海市分行刚刚出台了优化调整商业性个人住房贷款利率定价机制的细则。 8月29日晚间，21世纪经济报道记者注意到，已有中国银行、农业银行、建设银行、招商银行、平安银 行、光大银行、北京银行、江苏银行、南京银行等多家银行上海市分行通过官方微信公众号发布《关于 优化调整商业性个人住房贷款利率定价机制的公告》（以下简称《公告》），各家银行《公告》内容一 致。 具体来说，《公告》集中于新增房贷与存量房贷两方面。 新增方面，在利率定价机制安排上，各行不再区分首套住房和二套住房。每位客户商业性个人住房贷款 的具体利率水平，将根据上海市市场利率定价自律机制要求，并结合本行经营状况、客户风险状况等因 素合理确定。 存量方面，各行依然延续去年10月关于完善个人住房贷款利率 ...

Performance Summary - China Railway Construction (01186.HK) reported a revenue of 489.2 billion yuan, a decrease of 5.2% year-on-year, with a net profit of approximately 10.7 billion yuan, down 10.1% [2] - Industrial and Commercial Bank of China (01398.HK) achieved a revenue of 409.1 billion yuan, an increase of 1.8% year-on-year, while net profit fell by 1.4% to 168.1 billion yuan [2] - Agricultural Bank of China (01288.HK) recorded a revenue of 369.79 billion yuan, up 0.7% year-on-year, and a net profit of 139.51 billion yuan, an increase of 2.66% [2] - China Construction Bank (00939.HK) reported a revenue of 385.91 billion yuan, a 3% increase year-on-year, with net profit around 162.08 billion yuan, down 1.4% [2] - Bank of China (03988.HK) had a revenue of 329.42 billion yuan, up 3.61% year-on-year, while net profit decreased by 0.85% to 117.59 billion yuan [2] - Postal Savings Bank of China (01658.HK) reported a revenue of 179.53 billion yuan, a 1.5% increase year-on-year, with net profit of 49.23 billion yuan, up 0.85% [2] - China Merchants Bank (03968.HK) achieved a revenue of 169.92 billion yuan, down 1.7% year-on-year, while net profit increased by 0.3% to 74.93 billion yuan [2] - Bank of Communications (03328.HK) reported a revenue of 133.50 billion yuan, up 0.7% year-on-year, with net profit of 46.02 billion yuan, an increase of 1.6% [2] - Minsheng Bank (01988.HK) had a revenue of 70.70 billion yuan, up 7.8% year-on-year, while net profit decreased by 4.9% to 21.38 billion yuan [2] - China Everbright Bank (06818.HK) reported a revenue of 65.95 billion yuan, down 5.6% year-on-year, with net profit of 24.62 billion yuan, an increase of 0.55% [2] - BYD Company (01211.HK) achieved a revenue of 371.28 billion yuan, up 23.3% year-on-year, with net profit of 15.51 billion yuan, an increase of 13.8% [2] - China Communications Construction Company (01800.HK) reported a revenue of 335.45 billion yuan, down 5.8% year-on-year, with net profit of 9.99 billion yuan, down 16.9% [2] - Lenovo Holdings (03396.HK) achieved a revenue of 281.59 billion yuan, up 21% year-on-year, with net profit of 699 million yuan, an increase of 144% [2] - Great Wall Motors (02333.HK) reported a revenue of 92.34 billion yuan, up 1% year-on-year, with net profit of 6.34 billion yuan, down 10.2% [2] - BYD Electronics (00285.HK) achieved a revenue of 80.61 billion yuan, up 2.6% year-on-year, with net profit of 1.73 billion yuan, an increase of 14% [2] - Country Garden (02007.HK) reported a revenue of 72.57 billion yuan, with a net loss of 19.078 billion yuan [2] - China Reinsurance (01508.HK) achieved a revenue of 61.03 billion yuan, up 0.6% year-on-year, with net profit of 6.244 billion yuan, an increase of 9.03% [2] - Yanzhou Coal Mining Company (01171.HK) reported a revenue of 53.966 billion yuan, down 13.17% year-on-year, with net profit of 4.731 billion yuan, down 38.7% [2] - Jitu Express (01519.HK) achieved a revenue of 5.499 billion USD, up 13.1% year-on-year, with net profit of 156 million USD, an increase of 147.1% [2] - AVIC Industry (02357.HK) reported a revenue of 37.465 billion yuan, up 11.43% year-on-year, with net profit of 1.03 billion yuan, down 17.67% [2] - CITIC Financial Assets (02799.HK) achieved a revenue of 31.136 billion yuan, up 2.9% year-on-year, with net profit of 6.168 billion yuan, an increase of 15.7% [2] - Bank of China Hong Kong (02388.HK) reported a net interest income of 25.06 billion HKD, down 3.5% year-on-year, with net profit of 22.12 billion HKD, an increase of 10.54% [2] - Zoomlion Heavy Industry (01157.HK) achieved a revenue of 24.855 billion yuan, up 1.3% year-on-year, with net profit of 2.765 billion yuan, an increase of 20.84% [2] - New Town Development (01030.HK) reported a revenue of 22.1 billion yuan, down 34.82% year-on-year, with net profit of 895 million yuan, down 32.11% [2] - Huatai Securities (06886.HK) achieved a revenue of approximately 20.98 billion yuan, up 5.86% year-on-year, with net profit of 7.549 billion yuan, an increase of 42.16% [2] - China Sanjiang Chemical (02198.HK) reported a revenue of 9.106 billion yuan, down 1.5% year-on-year, with net profit of 301 million yuan, an increase of 95.5% [2] - Tianjin Bank (01578.HK) achieved a revenue of 8.828 billion yuan, up 0.8% year-on-year, with net profit of 1.988 billion yuan, an increase of 1.1% [2] - Harbin Bank (06138.HK) reported a revenue of 7.386 billion yuan, up 2.6% year-on-year, with net profit of 915 million yuan, an increase of 20% [2] - Qingjian International (01240.HK) achieved a revenue of approximately 4.404 billion HKD, down 9.8% year-on-year, with net profit of 2.992 million HKD, an increase of 25.6% [2] - Xingye Alloy (00505.HK) reported a revenue of 4.389 billion yuan, up 22.1% year-on-year, with net profit of 106 million yuan, down 24.7% [2] - 3SBio (01530.HK) achieved a revenue of 4.355 billion yuan, down 0.8% year-on-year, with net profit of 1.358 billion yuan, an increase of 24.6% [2] - Huya Technology (01860.HK) reported a revenue of 938 million USD, up 47% year-on-year, with adjusted EBITDA of 88.681 million USD, an increase of 41% [2] - Haitong Securities (01905.HK) achieved a revenue of 3.521 billion yuan, down 12.6% year-on-year, with net profit of 785 million yuan, down 3.4% [2] - Dazhong Public Utilities (01635.HK) reported a revenue of approximately 3.449 billion yuan, down 5.8% year-on-year, with net profit of approximately 333 million yuan, an increase of 172.6% [2] Company News - China Biologic Products (01177.HK) received approval for the launch of Zongaitini tablets for the treatment of HER2-mutant non-small cell lung cancer [3] - Shandong High-Speed New Energy (01250.HK) reported a total operating power generation of approximately 3.6744 million MWh, an increase of approximately 6.9% year-on-year [3] - Fosun International (00656.HK) reached a settlement with Cainiao regarding a share buyback involving 350 million USD [3] Buyback Activities - Tencent Holdings (00700.HK) repurchased approximately 55 million HKD worth of shares, buying back 919,000 shares at prices ranging from 594.5 to 605 HKD [3] - China Hongqiao (01378.HK) repurchased approximately 22.7 million HKD worth of shares, buying back 8.9235 million shares at a price of 25.44 HKD [3] - HSBC Holdings (00005.HK) repurchased approximately 15.3 million HKD worth of shares, buying back 1.5276 million shares at prices ranging from 99.8 to 100.7 HKD [3] - Hang Seng Bank (00011.HK) repurchased approximately 2.3517 million HKD worth of shares, buying back 210,000 shares at prices ranging from 111.5 to 112.5 HKD [3] - MGM China (02282.HK) repurchased approximately 1.60602 million HKD worth of shares, buying back 1 million shares at prices ranging from 15.92 to 16.27 HKD [3] - Sinopec Engineering (02386.HK) canceled 136,500 shares that had been repurchased [3]

Core Viewpoint - The article discusses the recent adjustments to the housing loan interest rate pricing mechanism in Shanghai, which aims to optimize the real estate policy and enhance market stability [2][4]. Group 1: New Housing Loan Policies - The new pricing mechanism for commercial personal housing loans no longer distinguishes between first and second homes, allowing for a more unified approach to interest rates [3][4]. - The specific interest rate for each customer's loan will be determined based on the Shanghai market interest rate pricing self-discipline mechanism, along with the bank's operational conditions and customer risk profiles [3][4]. Group 2: Existing Housing Loan Adjustments - Existing housing loans will continue to follow the guidelines established in October of the previous year, allowing for adjustments in the interest rates of certain second-home loans based on market conditions [3][4]. - If the interest rate increase for existing loans exceeds 30 basis points above the average rate of newly issued loans, borrowers can apply for a rate adjustment [3][4]. Group 3: Market Context and Implications - As of July, the weighted average interest rate for newly issued commercial personal housing loans in China was 3.09%, a slight decrease from the previous quarter, while the 5-year LPR was 3.5% [3]. - For second-home owners in Shanghai, applying for a loan after September 1 could result in a minimum interest rate of 3.09%, aligning with first-home rates, while existing loans at 3.45% could potentially be reduced to 3.36% [3].

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 中國光大銀行股份有限公司 China Everbright Bank Company Limited China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （於中華人民共和國註冊成立的股份有限公司） （股份代號：6818） （股份代號：6818） 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條而作出。 茲載列中國光大銀行股份有限公司在上海證券交易所網站刊登的《中國光大銀行股份有限 公司2025年半年度報告（A股）》，僅供參閱。 中國光大銀行股份有限公司 董事會 中國 • 北京 2025年8月29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、朱文輝先生、姚威先生、張銘文先生及李巍先生； 以及獨立非執行董事為邵瑞慶先生 ...