具体调整规则是，存量房贷利率加点值高于上季度全国新发放房贷利率平均加点值加30基点以上的，可 申请调整加点值，重新约定的加点值不低于上季度全国新发放房贷利率平均加点值加30基点。具体加点 值根据市场供求、客户资信情况、贷款担保变化等因素确定。 21世纪经济报道记者李览青 上海报道 上海房市"825大礼包"的房贷利率执行细则来了！ 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 ...

中 国 光 大 银 行 股 份 有 限 公 司 CHINA EVERBRIGHT BANK COMPANY LIMITED 2 0 2 5 年 半 年 度 报 告 截至本报告披露日，董事会尚未审议本报告期利润分配预案或资 本公积转增股本预案。本行后续将制定具体的中期分红方案，履行公 司治理程序后实施。 本报告中有关本行未来计划等前瞻性陈述不构成本行对投资者 的实质承诺，投资者及相关人士均应当对此保持足够的风险认识，并 且应当理解计划、预测与承诺之间的差异。 本行已在本报告中详细描述存在的主要风险及拟采取的应对措 施，详见"第四节管理层讨论与分析"相关内容。 (A 股股票代码：601818) 2025 年 8 月 29 日 重要提示 本行董事会、监事会及董事、监事、高级管理人员保证本报告内 容的真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏， 并承担个别和连带的法律责任。 本行第九届董事会第三十次会议于 2025 年 8 月 29 日在北京召开， 审议通过本行《2025 年半年度报告》。会议应出席董事 16 名，实际 出席董事 16 名。本行部分监事列席本次会议。 本行按照中国企业会计准则和国际财务报告 ...

8月29日金融一线消息，光大银行召开2025年半年度业绩发布会。行长郝成表示，做好金融五篇大文章既是金融更好地服务实体经济的必然要求，也是金融企业自身优化业务结构，推动高质量发 一是，积极对接国家投资引导基金，实现投行贷款托管一体联动，完善科技型企业全生命周期服务体系。 三是，推动普惠金融信贷总量稳步增长，资产质量稳定可控。 四是，发挥集团协同优势，深耕养老金、养老服务、养老产业三个金融板块，支持银发经济发展。 五是，加快推进数字金融布局，推动数字技术赋能重点业务，支持数字经济核心产业发展。 郝成强调，光大银行将继续坚持服务实体经济的根本宗旨，坚定不移走中国特色金融发展之路，充分践行金融央企的责任担当，平衡好功能性和盈利性的关系，更加有力有效的做好金融五篇大文 责任编辑：张文 二是，围绕经济社会发展、全面绿色转型和美丽中国建设的重点任务，丰富完善绿色金融产品体系，持续提升绿色金融资产的底色和成色。 郝成表示，下一步将采取一系列具体措施，进一步深化金融领域五篇大文章。 ...

Core Viewpoint - Everbright Bank is facing significant challenges in retail banking due to cyclical pressures, but it remains committed to a customer-centric strategy and has implemented several initiatives to enhance its performance [1] Group 1: Retail Deposit Strategies - Everbright Bank has achieved effective cost control in retail deposits through four key initiatives, resulting in both volume and price improvements [1] - The four initiatives include sourcing projects for capital introduction, driving product sales, and comprehensive management of customer segments [1] Group 2: Wealth Management - The bank's wealth management division is leveraging its product and channel service advantages, leading to an enhanced brand and market influence [1] - It focuses on two main systems: Sunshine Wealth Management and Sunshine Select, which are recognized for their diverse product offerings and stable, low-risk characteristics [1] Group 3: Pension Finance - Everbright Bank is actively advancing its pension finance business, utilizing group synergies to highlight its unique offerings [1] Group 4: Competitive Differentiation - The bank aims to build differentiated competitive capabilities, focusing on key livelihood and government service areas to steadily enhance its overall contribution [1] - It is accelerating its service expansion across provincial, municipal, and county levels, thereby increasing service scale and coverage while strengthening its industry-leading advantages [1]

Core Viewpoint - China Everbright Bank reported a mixed performance for the first half of 2025, with operating income decreasing by 5.6% year-on-year, while net profit attributable to shareholders increased by 0.55% [2] Financial Performance - Operating income for the period was 65.951 billion RMB, down from the previous year [2] - Net profit attributable to shareholders reached 24.622 billion RMB, showing a slight increase [2] - Basic earnings per share stood at 0.38 RMB [2] Business Development Initiatives - The bank established 16 "Innovation Financial Centers" and created 64 specialized technology financial institutions, with loans to technology enterprises growing by 9.88% compared to the end of the previous year [2] - Green loans increased by 12.37% year-on-year, supporting traditional industries in their green and low-carbon transitions [2] - The bank expanded its inclusive finance product system, with inclusive loans and agricultural loans growing by 3.95% and 9.18% respectively [2] Support for Key Sectors - The bank launched a "Service for Private Enterprises" action plan, with medium to long-term loans for manufacturing and strategic emerging industries increasing by 7.61% and 19.11% respectively [3] - A total of 33,400 enterprises were approved for financing, resulting in a loan disbursement of 213.469 billion RMB [3] - Real estate financing mechanisms were implemented, approving 343 projects with a total loan disbursement of 113.348 billion RMB [3] Product and Service Differentiation - The bank enhanced its retail offerings with products like "Sunshine Wealth" and "Sunshine Selection," managing a total of 1.8 trillion RMB in wealth management products [4] - The bank maintained its market position in bond underwriting and continued to develop its investment banking services [4] - Cross-border financial services were strengthened, focusing on supply chain financing [4] Risk Management - The bank implemented a comprehensive risk control system, emphasizing early identification and management of risks [4] - Key areas of risk management included retail credit, credit cards, real estate, and local government financing platforms [4] - The bank also focused on enhancing collection efficiency and managing overseas risks [4]

相关事件 格隆汇8月29日丨中国光大银行(06818.HK)公告，2025年中期业绩，集团实现经营收入659.51亿元，同 比下降5.60%。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100.76亿元，同比下降10.21%。实现净利润247.41亿元，同比增长0.53%。报告期 末，集团不良贷款余额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。 中国光大银行(06818.HK)中期净利润247.41亿元 同比增长0.53% 中国光大银行(6818.HK)：集团生态协 同 经营质效趋稳 ...

Core Viewpoint - China Everbright Bank reported a mixed performance for the first half of 2025, with a decrease in operating income but a slight increase in net profit, highlighting its focus on supporting technology and green finance initiatives [1][2]. Financial Performance - Operating income for the period was 65.951 billion RMB, a decrease of 5.6% year-on-year [1]. - Net profit attributable to shareholders was 24.622 billion RMB, an increase of 0.55% year-on-year [1]. - Basic earnings per share stood at 0.38 RMB [1]. Strategic Initiatives - The bank established 16 "Innovation Financial Centers" and created 64 specialized technology finance institutions, with loans to technology enterprises growing by 9.88% compared to the previous year [1]. - Green loans increased by 12.37% year-on-year, supporting traditional industries in their green and low-carbon transitions [1]. - The bank expanded its inclusive finance product system, with inclusive loans and agricultural loans growing by 3.95% and 9.18% respectively [1]. Support for Small and Medium Enterprises - The bank launched the "Service for Private Enterprises" action plan, with medium to long-term loans for manufacturing and strategic emerging industries increasing by 7.61% and 19.11% respectively [2]. - A total of 33,400 enterprises were approved for financing, resulting in a disbursement of 213.469 billion RMB [2]. - The bank also supported real estate financing with 343 projects approved, leading to a disbursement of 113.348 billion RMB [2]. Product and Service Development - The bank enhanced its retail offerings with products like "Sunshine Wealth" and "Sunshine Gold Selection," managing a total of 1.8 trillion RMB in wealth management products [3]. - It focused on expanding its "Cloud Payment" service and maintaining its market position in bond underwriting and investment banking services [3]. - The bank is also enhancing cross-border financial services and adjusting trading strategies to improve profitability in financial markets [3]. Risk Management - The bank implemented a comprehensive risk control system, focusing on early identification and management of risks across key areas such as retail credit and real estate [3]. - It emphasized the importance of maintaining a balanced client concentration and optimizing business structure to mitigate risks [3].

格隆汇8月29日丨中国光大银行(06818.HK)公告，2025年中期业绩，集团实现经营收入659.51亿元，同 比下降5.60%。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100.76亿元，同比下降10.21%。实现净利润247.41亿元，同比增长0.53%。报告期 末，集团不良贷款余额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。 ...

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） 2025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2025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2025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2025年中期報告將於2025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 ...

每经AI快讯，8月29日，光大银行公告，2025年上半年营业收入659.51亿元，同比下降5.6%；净利润 247.41亿元，同比增长0.53%。 ...