Financial Performance - The net profit for the third quarter of 2023 reached RMB 37.906 billion, representing a year-on-year increase of 3.11%[4] - For the first nine months of 2023, the company achieved a net profit of RMB 37.906 billion, an increase of 3.11% compared to the same period last year[6] - Operating income for the same period was RMB 112.255 billion, a decrease of 4.39% year-on-year, with net interest income declining by 4.26% to RMB 81.586 billion[6] - The weighted average return on equity was 10.23%, down by 0.67 percentage points from the previous year[6] - The company reported a net cash flow from operating activities of RMB 78.119 billion, a significant decrease of 85.05% compared to the previous year[6] - The basic earnings per share for the period was RMB 0.57, compared to RMB 0.59 for the same period in 2022, indicating a decline of 3.4%[27] - The net profit for the nine months ended September 30, 2023, was RMB 37,906 million, an increase from RMB 36,763 million in the same period of 2022, representing a growth of 3.1%[28] - Total comprehensive income for the nine months ended September 30, 2023, was RMB 39,518 million, compared to RMB 35,289 million in 2022, reflecting an increase of 12.6%[28] - The bank's net profit before tax for the nine months ended September 30, 2023, was RMB 45,434 million, slightly down from RMB 46,006 million in the same period of 2022, indicating a decrease of 1.2%[35] Asset and Liability Management - The total assets under management (AUM) amounted to RMB 2.65 trillion, reflecting a growth of 9.32% compared to the end of the previous year[5] - Total assets reached RMB 6834.936 billion, reflecting an 8.48% increase from the end of the previous year[6] - Total liabilities as of September 30, 2023, were RMB 6,284,532 million, compared to RMB 5,790,497 million at the end of 2022, reflecting an increase of 8.5%[32] - The bank's total equity attributable to shareholders increased to RMB 550,404 million as of September 30, 2023, from RMB 510,013 million at the end of 2022, marking a 7.9% increase[33] Credit and Risk Management - The non-performing loan balance increased by RMB 6.159 billion to RMB 50.833 billion, resulting in a non-performing loan ratio of 1.35%, up by 0.10 percentage points[6] - The company reported a credit impairment loss of RMB 35,486 million, a decrease of 12.8% from RMB 40,724 million in the previous year[27] - Credit impairment losses for the nine months ended September 30, 2023, were RMB 35,486 million, down from RMB 40,724 million in the previous year, reflecting a reduction of 13.8%[35] - The bank aims to enhance its risk management capabilities by implementing a "1+4" credit and investment policy system[5] Corporate Strategy and Operations - The bank is focusing on digital transformation and has launched a digital comprehensive service platform for financial institutions[5] - The bank is committed to supporting the real economy and has implemented differentiated internal fund transfer pricing incentives[4] - The bank's strategy emphasizes the integration of wealth management and financial technology to enhance customer service capabilities[5] - The bank has strengthened its business operations and investment trading capabilities, optimizing asset structure and improving financial market business quality[16] Shareholder Information - The total number of shareholders at the end of the reporting period was 186,569, with significant holdings from major shareholders including China Everbright Group and China Life Reinsurance[17] - China Everbright Group holds 24,227,813,441 A shares, representing 41.00% of total shares[17] - The largest shareholder, Huabao Trust Co., Ltd., held 32,400,000 shares, representing 16.20% of the total shares[20] - The second-largest shareholder, Shanghai Everbright Securities Asset Management Co., Ltd., held 25,200,000 shares, accounting for 12.60%[20] Operational Metrics - The total gross merchandise volume (GMV) reached RMB 3.13 trillion, showing a year-on-year increase of 25.14%[5] - Retail customer numbers and AUM have steadily increased, with a focus on high-quality development in the liability side, expanding social security and livelihood channels[15] - Retail loan scale has grown, with stable asset quality, and the bank is enhancing its wealth management transformation[15] - The bank continues to maintain its position as the largest open payment platform in China, with a stable increase in project access numbers[15] Other Financial Metrics - The liquidity coverage ratio improved to 126.95%, up from 116.48% in the previous quarter[11] - The company issued RMB 2.971 billion in preferred stock dividends and RMB 1.840 billion in interest on perpetual capital bonds during the reporting period[8] - The company's operating expenses for the first nine months were RMB 31.335 billion, an increase of 2.33% year-on-year[13] - The total operating expenses for the nine months were RMB 31,335 million, an increase from RMB 30,622 million year-on-year[27] - The bank's investment in joint ventures reported a profit of RMB 4 million for the three months ended September 30, 2023, compared to a loss of RMB 21 million in the same period of 2022, showing an improvement[29]

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 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、韓復齡先生及劉世平先生。 中國光大銀行股份有限公司 2023 年第三季度報告 一、重要提示 （一）本行董事會、監事會以及董事、監事、高級管理人員保證 本季度報告內容的真實、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。 （二）本行於 2023 年 10 月 30 日召開第九屆董事會第十次會議， 審議通過了《2023 年第三季度報告》。會議應出席董事 14 名，實際 出席董事 14 名。 （於中華人民共和國註冊成立的股份有限公司） 中國 ...

股票代码：601818 股票简称：光大银行 公告编号：临 2023-050 中国光大银行股份有限公司 第九届监事会第八次会议决议公告 本行监事会及全体监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）第九届监事会第八次会 议于2023年10月20日以书面形式发出会议通知，并于2023年10月30 日在中国光大银行总行以现场会议方式召开。本次会议应出席监事9 名，实际出席9名，其中，吴俊豪监事以视频连线方式参会。会议的 召开符合法律、法规、规章和《中国光大银行股份有限公司章程》（简 称《公司章程》）的有关规定。 本次会议由卢鸿监事长主持，审议并通过以下议案： 三、关于《中国光大银行股份有限公司监事会及监事 2023 年度 履职监督评价实施方案》的议案 表决情况：有效表决票 9 票，同意 9 票，反对 0 票，弃权 0 票。 表决情况：有效表决票 9 票，同意 9 票，反对 0 票，弃权 0 票。 监事会出具以下审核意见： （一）报告的编制和审议程序符合法律法规、监管规定、《公司 章程》和本行内部管理制度的各项要求 ...

本次会议由执行董事、行长王志恒先生主持，审议并通过以下议 案： 一、关于《中国光大银行股份有限公司2023年第三季度报告（A 股、H股）》的议案 表决情况：有效表决票14票，同意14票，反对0票，弃权0票。 董事会审计委员会已审议通过该项议案，并同意将其提交董事会 审议。 股票代码：601818 股票简称：光大银行 公告编号：临 2023-049 中国光大银行股份有限公司 第九届董事会第十次会议决议公告 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）第九届董事会第十次会 议于2023年10月16日以书面形式发出会议通知，并于2023年10月30日 在中国光大银行总行以现场会议方式召开。本次会议应出席董事14名， 实际出席14名，其中，王江董事长、吴利军副董事长因其他公务未能 亲自出席，书面委托王志恒董事代为出席会议并行使表决权；曲亮、 姚威、刘冲、李巍董事以视频连线方式参会。会议的召开符合法律、 法规、规章和《中国光大银行股份有限公司章程》（简称《公司章程》） 的有关规定。本行7名监事列席了 ...

股票代码：601818 股票简称：光大银行 公告编号：临2023-052 根据《上海证券交易所股票上市规则》等有关规定，中国光大银 行股份有限公司（简称本行）第九届董事会第十次会议审议通过 了《关于制定2024-2026年本行与光大集团系关联方非授信类关 联交易限额方案的议案》，批准本行与中国光大集团股份公司及 其直接或间接控制的法人（简称光大集团系关联方）2024-2026年 度非授信类关联交易限额分别为人民币57.86亿元、59.09亿元、 62.50亿元，合计限额179.45亿元，交易类别包括保险服务类、资 产托管类、代销服务类、联合营销类、产品管理类、投资服务类、 科技服务类、产品服务类和综合服务类。上述关联交易无需提交 股东大会审议。 本次审议事项是本行日常业务中发生的持续交易，不会对本行本 期及未来的财务状况产生不利影响，也不会影响本行的独立性。 需要提请投资者注意的其他事项：无 易限额方案的议案》，批准本行与光大集团系关联方 2024-2026 年 度非授信类关联交易限额分别为人民币 57.86 亿元、59.09 亿元、 62.50 亿元，合计限额 179.45 亿元。 本行董事会及全体董事保证 ...

副董事長，非執行董事 吳利軍 執行董事 王志恒 曲亮 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 王江 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。 | 董事╱ | | 風險管理 | | | | 關聯交易 | 社會責任、 普惠金融 發展和 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 | | 王江 | C | | | M | | | | | 吳利軍 | M | | | | | | | | 王志恒 | M | C | | | | | C | | 曲亮 | | | | | | | M | | 姚威 | | | M | | | | M | | 朱文輝 | M | | M | | | | | | 劉沖 | | M | | | | | M | | 李巍 | | ...

中国光大银行股份有限公司 股票代码：601818 股票简称：光大银行 公告编号：临 2023-048 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。 重要内容提示： ●会议召开时间：2023 年 10 月 31 日（星期二）上午 10:00-11:00 关于召开 2023 年第三季度业绩说明会的公告 ●会议召开方式：上证路演中心网络互动 ●投资者可于 2023 年 10 月 30 日（星期一）16:00 前登录上证路演中 心网站首页，点击"提问预征集"栏目或通过本行邮箱IR@cebbank.com 进行提问。本行将在业绩说明会上对投资者普遍关注的问题进行回答。 中国光大银行股份有限公司（简称本行）拟于 2023 年 10 月 31 日披露本行 2023 年第三季度报告。为便于广大投资者更全面深入地 了解本行 2023 年第三季度经营成果和财务状况，本行计划于 2023 年 10 月 31 日上午 10:00-11:00 举行 2023 年第三季度业绩说明会（简 称业绩说明会），就投资者关心的问题进行交流。 一、业绩说明会类型 业 ...

6818 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2023年10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2023年9月30日止九個月 期間的第三季度業績等事宜。 中國光大銀行股份有限公司 董事會 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。 China Everbright Bank Company Limited 中國‧北京 2023年10月17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、韓復齡先生及劉世平先生。 ...

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: 2023年9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 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） 呈交日期: 2023年10月6日 I. 法定/註冊股本變動 | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 | 601818 | 說明 | 上海證券交易所 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 46,406,815,561 RMB | | 1 | RMB | | 46,406,815,561 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 46,406,815,561 RMB | | 1 | RMB | | 46,406,815,5 ...

Financial Performance - China Everbright Bank reported a net profit of RMB 25.3 billion for the first half of 2023, representing a year-on-year increase of 8.5%[1]. - The bank's return on equity (ROE) for the first half of 2023 was reported at 12.3%, up from 11.8% in the same period last year[1]. - Net profit attributable to shareholders increased by 3.32% to RMB 24,072 million in the first half of 2023, compared to RMB 23,299 million in the same period of 2022[21]. - The bank's net profit reached 24.219 billion RMB, representing a year-on-year growth of 3.30%[38]. - The group's net profit for the period was RMB 242.19 billion, representing a year-on-year increase of 3.30%[41]. Asset and Liability Management - The bank's total assets reached RMB 4.5 trillion, an increase of 6.2% compared to the end of 2022[1]. - Total assets reached RMB 6,757,928 million as of June 30, 2023, an increase from RMB 6,300,510 million at the end of 2022[21]. - The total liabilities of the group were RMB 6,217.25 billion, up by 7.37% from the previous year[83]. - The total equity attributable to shareholders increased to RMB 538.40 billion, a net increase of RMB 30.52 billion compared to the end of 2022[87]. Loan and Deposit Growth - Customer deposits grew by 7.1% year-on-year, totaling RMB 3.2 trillion as of June 30, 2023[1]. - The total loan and advance principal amount was RMB 3,743,747 million as of June 30, 2023, an increase from RMB 3,572,276 million at the end of 2022[21]. - The bank's retail customer deposits reached RMB 1,197.03 billion, representing 28.79% of total customer deposits[86]. - Corporate deposits reached CNY 2,887.55 billion, an increase of CNY 107.19 billion or 3.86% compared to the end of last year[121]. Non-Performing Loans and Risk Management - The non-performing loan (NPL) ratio improved to 1.45%, down from 1.55% at the end of 2022[1]. - The non-performing loan ratio increased to 1.30% as of June 30, 2023, up from 1.25% at the end of 2022[22]. - The provision coverage ratio improved to 188.56% as of June 30, 2023, compared to 187.93% at the end of 2022[22]. - The bank has established a comprehensive risk management system, focusing on credit risk, liquidity risk, market risk, and operational risk management[155]. Digital Transformation and Innovation - China Everbright Bank is investing in digital banking technologies, with a budget of RMB 1 billion allocated for technology upgrades in 2023[1]. - The bank is actively promoting digital transformation and has launched the "Yiyu" series 2.0 products to enhance retail business capabilities[39]. - The bank's digital payment platform has integrated 15,241 payment projects, an increase of 750 projects, representing a growth of 5.18%; payment transactions reached 1.287 billion, up 13.49% year-on-year[135]. - The company launched various new financial products and services, enhancing customer engagement and expanding its digital ecosystem[133]. Wealth Management and Customer Base - The bank plans to expand its wealth management services, targeting a 15% increase in assets under management by the end of 2024[1]. - Retail asset management scale (AUM) totaled RMB 2.59 trillion, up 6.97% from the end of last year[34]. - The total number of retail customers (including debit and credit card customers) reached 151.976 million, a year-on-year increase of 3.34%[63]. - Private banking clients increased by 6,520, with total private banking client assets reaching 601.455 billion CNY, up 5.86% from the previous year[133]. Green Finance Initiatives - The bank's green loan scale reached CNY 261.16 billion, an increase of CNY 61.87 billion, representing a growth of 31.04% compared to the previous year[167]. - The bank issued CNY 20 billion in green financial bonds, targeting projects in wind power, solar energy utilization, urban rail transit, and environmental governance[167]. - The bank's support for poverty alleviation areas resulted in a loan balance of CNY 39.60 billion, an increase of CNY 0.84 billion compared to the previous year, meeting regulatory targets for continuous growth[174]. - The bank has committed to supporting the "carbon peak and carbon neutrality" goals through market-oriented financing solutions[167]. Operational Efficiency and Cost Management - Total operating income decreased by 2.55% to RMB 76,531 million in the first half of 2023 from RMB 78,531 million in the same period of 2022[21]. - Operating expenses totaled RMB 20.543 billion, an increase of RMB 2.86 billion, or 1.41% year-on-year, with a cost-to-income ratio of 25.65%, up 1.02 percentage points year-on-year[68]. - The group's net commission and fee income was RMB 13.445 billion, a decrease of RMB 1.390 billion, or 9.37% year-on-year, primarily due to a reduction in bank card service fees[59]. Customer Rights and Consumer Protection - The bank received a total of 182,953 consumer complaints, with 135,999 related to bank card services, accounting for 74.79% of total complaints[180]. - The bank's consumer rights protection committee reviewed 10 reports related to consumer rights protection during the reporting period[177]. - The bank's consumer complaint management system improved response capabilities, focusing on training staff to enhance consumer protection awareness[180]. - The bank's consumer education initiatives reached 120 million consumers, promoting financial rights awareness[181].