中國光大銀行二零二五年中期報告 中國光大銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） 股份代碼：6818 中期報告 地址：中國北京西城區太平橋大街25號中國光大中心 電話：(86)10-63636363 傳真：(86)10-63639066 郵編：100033 網址：www.cebbank.com 此中報以環保紙印製 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三十次會議於2025年8月29日在北京召開，審議通過本行《2025年中期報告》。會議應出 席董事16名，實際出席董事16名。本行部分監事列席本次會議。 本行按照中國企業會計準則和國際財務報告會計準則編製的2025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、副行長及首席財務官劉彥、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、完整。 本報告除特別說明外，金額幣種為人民幣。 截至本報告披露日，董事會尚未審議 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年9月30日 狀態: 新提交 致：香港交易及結算所有限公司 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 06818 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 12,678,735,500 | RMB | | 1 RMB | | 12,678,735,500 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 12,678,735,500 | RMB | | 1 RMB | | 12,678,735,500 | | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | | 否 | | ...

Group 1: Shareholding Increases - Recently, Nanjing Bank announced that BNP Paribas (QFII) increased its shareholding by 108 million shares, raising its total stake from 16.14% to 17.02% [1] - Since the beginning of the year, Nanjing Bank has seen multiple significant shareholders increase their stakes, with Zijin Trust raising its holding from 12.56% to 13.02% by acquiring 56.78 million shares [3] - Another major shareholder, Nanjing Gaoke, increased its stake from 8.94% to 9.00% by purchasing 7.51 million shares [3] Group 2: Bank Sector Trends - A total of 11 A-share listed banks have seen shareholding increases from shareholders or executives this year, indicating a trend where such plans are often announced when bank stock valuations are at historical lows [5] - The banking sector has been experiencing a "red envelope rain" with 17 banks announcing mid-term dividend plans for 2025, including significant contributions from the six major state-owned banks [6] - The six major state-owned banks have all provided dividend plans, with Industrial and Commercial Bank of China (ICBC) planning to distribute approximately 50.40 billion yuan in cash dividends [7][8] Group 3: Market Sentiment and Future Outlook - The banking sector is viewed favorably by institutions due to its low valuations and stable dividends, leading to increased interest from institutional investors [8] - As of September 29, over 300 investigations into listed banks have been conducted, with more than 2,000 institutional inquiries, highlighting the sector's attractiveness [8] - Analysts predict that the inflow of incremental funds will support the banking sector's performance, driven by the high dividend characteristics and significant index weight of bank stocks [8]

Core Viewpoint - Everbright Bank has adjusted its credit card overdraft interest rates, allowing some high-quality customers to enjoy a 0% overdraft rate, reflecting a response to regulatory push for market-oriented pricing in credit card overdrafts [1][2]. Group 1: Regulatory Changes - The People's Bank of China is promoting the marketization of credit card overdraft interest rates, having removed upper and lower limits on these rates since January 1, 2021 [2]. - Recent modifications to regulatory documents indicate a shift towards more flexible pricing for credit card products, enabling banks to differentiate rates based on customer profiles [2][3]. Group 2: Current Market Trends - Despite regulatory encouragement, the overall pace of adjustment among banks remains slow, with many still applying a uniform overdraft rate of 0.05% [3]. - Some banks, like Guangfa Bank and Kunlun Bank, have set their overdraft rates between 0% and 0.05%, while others maintain a standard rate but allow for adjustments based on customer creditworthiness [3]. Group 3: Industry Outlook - Industry experts believe that the credit card market is entering a phase of stock competition, where differentiated pricing can enhance customer loyalty and attract high-quality clients [4]. - The overall credit card business is experiencing contraction as some customers shift to lower-rate consumer loans, despite a general decline in lending rates for other products [4][5]. - Banks are moving away from aggressive expansion strategies and are focusing on refined operational models, emphasizing detailed customer management [6].

Core Viewpoint - Everbright Bank has adjusted its credit card overdraft interest rate, allowing some high-quality customers to enjoy a 0% overdraft rate, reflecting a response to regulatory push for market-oriented pricing in credit card overdraft rates [1][2]. Group 1: Market Changes - The new interest rate standard for credit card overdrafts is set at a daily rate of 0% to 0.05%, approximating an annual interest rate of 0% to 18.25% [1]. - The People's Bank of China has removed the upper and lower limits on credit card overdraft rates, allowing banks to set rates based on negotiations with cardholders [2]. - The overall adjustment pace of credit card overdraft rates among banks has been slow, with many banks still applying a uniform daily rate of 0.05% regardless of customer qualifications [2][3]. Group 2: Industry Trends - The credit card market is entering a phase of stock competition, where differentiated pricing of overdraft rates can enhance customer loyalty and attract high-quality clients [3][4]. - The number of credit cards issued has decreased, with 715 million cards in circulation as of the end of the second quarter, reflecting a downward trend [3]. - Banks are shifting from a rapid expansion model to a more refined operational approach, focusing on detailed user management [4].

Group 1 - Beijing residents in the Wangjing area can now enjoy new conveniences for real estate transactions through a collaboration between Beijing Lianjia and China Everbright Bank [1][3] - The service aims to address the pain points of traditional second-hand housing transactions, which previously required multiple trips to different locations, making the process cumbersome and time-consuming [3][5] - The pilot program offers two core services: self-service printing of property certificates and self-service querying of real estate information, enhancing the efficiency of property transactions [3][5] Group 2 - The self-service devices utilize internet, big data, and smart terminal technology, ensuring secure connection with Beijing's real estate registration system while significantly improving transaction speed [5][7] - The service is available on weekdays and weekends, allowing residents to manage their time flexibly without being restricted by traditional service hours [5][7] - Beijing Lianjia has already launched online real estate registration services in four signed service centers in the Chaoyang District, facilitating 17 high-frequency online services related to second-hand property transactions [7]

Core Viewpoint - The Dandong branch of China Everbright Bank has been fined for serious violations in loan management practices, specifically the "three checks" process, leading to a penalty of 500,000 yuan [1] Group 1: Regulatory Actions - The Dandong Financial Regulatory Bureau has imposed a fine of 500,000 yuan on China Everbright Bank's Dandong branch for inadequate implementation of the loan "three checks" [1] - The manager of the Dandong branch, Sui Xiaoming, has been held responsible for the violations and has had his senior management qualifications revoked for three years [1]

Core Viewpoint - Everbright Bank is undergoing a board restructuring, reducing the number of board members from 16 to 15 while maintaining the stability of its core management team, with key positions remaining unchanged [1][3]. Group 1: Board Restructuring - Two board members are stepping down: Qu Liang, former vice president, now chairman of Everbright Financial Leasing, and Zhu Wenhui from CITIC Group due to job changes [3]. - Current Chairman Wu Lijun and Vice Chairman Cui Yong have been nominated for reappointment, with Wu having a strong background in the Everbright system and a focus on financial integration and digital transformation since taking office in January 2024 [3][4]. - Cui Yong brings extensive management experience from major state-owned banks, contributing to risk management and business coordination [3]. Group 2: Executive Directors - The executive director team includes Party Secretary and President Hao Cheng, along with Vice Presidents Qi Ye and Yang Bingbing, all of whom have significant experience within the bank [4][5]. - Hao Cheng has held key positions in major banks and holds a doctorate in management [4]. - Qi Ye has been with Everbright Bank since 1992, serving in various roles, and Yang Bingbing has extensive experience in risk management and digital finance [5]. Group 3: Independent Directors and Shareholder Representatives - The board will continue with key shareholder representatives, including Yao Wei from Overseas Chinese Town Group and Zhang Mingwen from COSCO Shipping Development, while adding Zhao Jingjing from CITIC Financial Asset Management [6]. - Six independent directors have been nominated, with three continuing and three new candidates, including experts from academia and asset management [6]. Group 4: Recent Changes and New Positions - There have been frequent personnel changes at the bank's headquarters, including the appointment of Song Bingfang as the new Party Committee member and Discipline Inspection Secretary [6]. - A new Chief Risk Officer position has been established, filled by veteran risk manager Ma Bo, with regulatory approval received in May [6][7]. - The bank has decided not to establish a supervisory board in line with new company law reforms [6].

Core Points - China Everbright Bank is undergoing a board restructuring with the nomination of 15 candidates for its 10th board, indicating a new governance structure [1][2] - The continuity of leadership is reflected in the re-nomination of current executives, including Chairman Wu Lijun and Vice Chairman Cui Yong, which aligns with market expectations [2] - The nomination of three new independent directors suggests an optimization of the board's professional composition, addressing challenges in digital transformation and risk management [1][3] Board Restructuring - The candidate list for the 10th board shows a "core stability and structural optimization" characteristic, with many current executives receiving re-nominations [2] - Wu Lijun is set to continue as Chairman from January 2024, while Gao Cheng will officially become President in August 2024, indicating a formalization of their roles [2] - The inclusion of Zhao Jingjing, a new candidate with asset management and regulatory experience, may enhance future board decision-making [2] Independent Director Updates - The independent director system is crucial for modern corporate governance, with six candidates nominated, including three incumbents and three new candidates [3][4] - New independent directors possess diverse and strong professional backgrounds, enhancing the board's expertise in finance, accounting, and investment [3][4] - The independent directors have passed qualification reviews and committed to independence, ensuring compliance and governance integrity [4] Organizational Structure Adjustments - Alongside the board restructuring, the bank approved two organizational adjustments, including renaming the "Corporate Finance/Strategic Client Department" [5][6] - The adjustments may indicate a strategic upgrade in serving large enterprises and institutional clients, as well as a focus on cross-border and supply chain finance [6] - The simultaneous board and organizational changes reflect the bank's intent to optimize governance and execution layers, supporting strategic implementation [6][7] Strategic Implications - The restructuring and adjustments signify a dual upgrade in governance structure and strategic direction, crucial in a competitive banking environment [6][7] - The resilience of governance, agility of strategy, and innovation in business will form the new competitive foundation for the bank [7]

有资深信用卡专家透露， 在本轮调整中目前已有至少6家银行在公开信披渠道或信用卡领用协议中，对信用卡透支利率标准进行优化。 "面对消费贷 低利率优势的冲击，信用卡透支利率市场化可以针对一部分优质客群提供比现行标准较低的定价，在考虑资金良性周转前提下透支信用卡支付，为 银行获得相应的利息收益，这是信用卡业务差异化经营的一种体现。" 据21财经， 多家银行近日对信用卡透支利率标准进行调整，打破0.05%的透支利率标准。 光大银行近期发布的公告显示，该行将信用卡透支利率收取标准由"日利率万分之三点五至万分之五（年利率12.7750%-18.2500%）"调整为"日利率 0%-0.05%， 按照单利算法近似折算年利率为0%-18.25%" 。这一优化调整将于9月29日起正式生效。 这意味着极限情况下， 优质信用卡用户有望获得最低0%的透支利率。 ...