Group 1 - The core viewpoint of the article indicates that China Everbright Bank's stock dropped over 10% following the release of its 2023 annual report, with a current trading price of HKD 2.32 and a transaction volume of HKD 33.71 million [1] - In 2023, the bank reported an operating income of CNY 145.685 billion, a year-on-year decrease of 3.92% [1] - The net profit attributable to shareholders for 2023 was CNY 40.792 billion, reflecting a year-on-year decline of 8.96%, attributed to increased provisioning efforts to strengthen asset quality management [1] Group 2 - In Q4 2023, the bank's main operating income was CNY 33.455 billion, down 2.62% year-on-year [1] - The net profit attributable to shareholders for Q4 2023 was CNY 3.102 billion, showing a significant year-on-year decline of 62.24% [1] - The non-recurring net profit for Q4 2023 was CNY 3.074 billion, also down 62.36% year-on-year [1]

Dividend Distribution - The company plans to distribute a cash dividend of RMB 1.73 per 10 shares (pre-tax), totaling RMB 10.222 billion based on the total issued share capital of 59.086 billion shares[3]. - The board of directors approved the dividend distribution plan during the 16th meeting of the 9th board session held on March 27, 2024[4]. - The company will announce further details regarding the dividend payment and the annual general meeting in due course[3]. - The proposed cash dividend is CNY 1.73 per 10 shares, totaling CNY 10.222 billion, which accounts for 25.06% of the net profit attributable to shareholders[159]. - The cash dividend distribution plan is subject to approval at the 2023 annual general meeting, ensuring protection of minority shareholders' rights[159]. Financial Performance - Net interest income for 2023 was RMB 107,480 million, a decrease of 5.43% compared to RMB 113,655 million in 2022[21]. - Net commission and fee income decreased by 11.39% to RMB 23,698 million in 2023 from RMB 26,744 million in 2022[21]. - Total operating income for 2023 was RMB 145,735 million, down 4.04% from RMB 151,865 million in 2022[21]. - Pre-tax profit decreased by 11.09% to RMB 49,757 million in 2023 from RMB 55,966 million in 2022[21]. - Net profit attributable to shareholders was RMB 40,792 million in 2023, an 8.96% decrease from RMB 44,807 million in 2022[21]. - The company’s net profit reached 41.076 billion yuan, with total assets amounting to 6.77 trillion yuan[38]. - The net profit for the period was RMB 41.08 billion, a decline of 8.80% year-on-year, primarily due to increased provisions for asset quality control, with asset impairment losses rising by 2.96%[43]. Risk Management - The company emphasizes the importance of risk awareness regarding forward-looking statements in the report[4]. - The company has detailed the main risks and proposed countermeasures in the management discussion and analysis section of the report[4]. - The company will prioritize risk management to prevent systemic risks and ensure compliance with regulatory requirements[17]. - The bank emphasizes risk management and aims to prevent systemic financial risks[36]. - The bank's liquidity risk management strategy includes regular stress testing and maintaining a balance between liquidity, safety, and profitability[140]. - The bank has established a comprehensive market risk management system to monitor interest rate, exchange rate, and commodity risks[141]. - The bank has set up a reputation risk management mechanism to enhance monitoring and prevention of potential reputation risks[143]. Asset and Liability Management - Total assets reached CNY 6.77 trillion, an increase of 7.50% compared to the end of last year[18]. - Total liabilities amounted to CNY 6.22 trillion, growing by 7.38% year-over-year[18]. - The capital adequacy ratio stands at 13.50%, with a Tier 1 capital ratio of 11.36% and a core Tier 1 capital ratio of 9.18%, all improved from the previous year[18]. - The leverage ratio stood at 7.10% as of December 31, 2023, up from 6.90% in the previous quarter[30]. - The liquidity coverage ratio was reported at 149.17%, significantly higher than the regulatory requirement, up from 126.95% in the previous quarter[31]. - The total amount of loans and advances was RMB 3,786.95 billion, up RMB 214.68 billion or 6.01% year-on-year, with significant growth in inclusive finance, green loans, manufacturing, strategic emerging industries, and technology enterprises[43]. Awards and Recognition - The bank's credit card was awarded the "2022 Consumer Favorite Credit Card Brand Award" at the 16th "Golden Cicada Award" ceremony[13]. - The bank was recognized as the "Best Social Responsibility Bank of the Year" in the 2022 China Financial Institutions Gold Medal List by the Financial Times[13]. - The bank's asset management subsidiary was awarded "Best Bank Wealth Management Company of the Year" in 2022[13]. - The company received the "2023 Digital Wealth Management Innovation Excellent Case Award" and the "2023 Financial Technology Innovation Excellent Case Award" for its data asset valuation innovation[14]. - The company was recognized as the "Best Joint-Stock Commercial Bank" and received multiple awards for its retail banking and wealth management services[15]. Digital Transformation and Innovation - The bank focuses on digital development and innovation in financial technology, enhancing its competitive advantage in wealth management and integrated finance[12]. - The company is advancing its digital transformation by integrating business and technology, focusing on the development of a digital ecosystem[39]. - The company launched a digital comprehensive service platform for financial institutions, enhancing service offerings to peer financial clients[39]. - The company is focusing on digital transformation and enhancing service efficiency through various initiatives, including the establishment of specialized departments and service teams[100]. - The company implemented a digital transformation plan for 2023-2025, focusing on top-level design and efficiency evaluation systems[128]. Corporate Governance - The company has established a comprehensive governance structure, including an ESG governance framework, to enhance its environmental, social, and governance performance[157]. - The company has publicly disclosed its 2023 Social Responsibility Report, detailing its ESG initiatives[157]. - The company has not engaged in any non-operational fund occupation by controlling shareholders or related parties, as confirmed by Ernst & Young's special audit opinion[163]. - The company has committed to not transferring benefits to other units or individuals under unfair conditions and to strictly adhere to consumption regulations[162]. - The company has established a professional liability insurance system for directors, supervisors, and senior management in accordance with relevant laws and regulations[174]. Customer and Market Engagement - The bank's trade financing balance reached CNY 453.952 billion, supporting import and export enterprises in cross-border payment settlements[107]. - The bank's "Sunshine Salary" service for migrant workers provided guarantees totaling CNY 11.631 billion, with an increase of CNY 2.594 billion during the year[107]. - The bank's retail banking revenue was CNY 64.956 billion, a decrease of CNY 1.042 billion or 1.58% year-on-year, accounting for 44.57% of the bank's total operating income[108]. - The cumulative users of mobile banking, Sunshine Life, and Cloud Payment apps reached 306.49 million, a year-on-year increase of 19.89%, with monthly active users (MAU) at 68.78 million, up 17.77%[109]. - The company launched a new citizen micro-business support plan, providing up to 200,000 yuan in unsecured operating loans, benefiting over 88,000 restaurants and creating 300,000 local jobs[111]. Environmental, Social, and Governance (ESG) Initiatives - The company achieved an A rating in the 2023 Environmental, Social, and Governance (ESG) assessment by MSCI[14]. - The company received an "A" rating in the MSCI ESG rating for the first time in 2023, enhancing its ESG market evaluation[146]. - The company has integrated ESG risk management into its comprehensive risk management system, ensuring strict adherence to environmental standards[149]. - The company has developed a green financing classification manual to standardize the green identification classification process[148]. - The bank is committed to supporting green finance initiatives, including carbon emission rights pledge loans and sustainable-linked loans, to assist in achieving carbon neutrality goals[145].

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]

中 國 地址：中國北京西城區太平橋大街25號中國光大中心 光 電話：(86)10-63636363 打 造 一 流 財 富 管 理 銀行 傳真：(86)10-63639066 大 郵編：100033 網址：www.cebbank.com 銀 股份代碼：6818 行 此中報以環保紙印製 和 光 同 行 穩 健 成 長 專注財富管理，成就理想未來 ...

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年中期業績公告 中國光大銀行股份有限公司（「本公司」）董事會謹此宣佈本公司及其附屬公司截至2023年6 月30日止之六個月期間未經審計業績。本公告列載本公司2023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信息之要求。本公司 2023年中期報告的印刷版本將於2023年9月寄發予本公司H股股東，並可於其時在本公司 網站（www.cebbank.com）及香港交易及結算所有限公司「披露易」網站（www.hkexnews.hk） 閱覽。 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(www.hkexnews.hk) ...

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，並表明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的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2023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 2023年4月28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、姚仲友先生、姚威先生、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 ...

打 造 一 流 財 富 管 理 銀 行 股份代碼：6818 光大銀行30週年 和 光 同 行 穩 健 成 長 專注財富管理，成就理想未來 ...

2022 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，並表明概不對因本公告 全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何 責任。 2022 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 2022 年 12 月 31 日止之經審計業績。 本公告列載本公司 2022 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 2022 年年度報告的印刷版本將於 2023 年 4 月寄發予本公司 H 股股東， 並可於其時在本公司網站（www.cebbank.com）及香港交易及結算所 有限公司「披露易」網站（www.hkexnews.hk）閱覽。 發佈業績公告 ...

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，並表明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的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） 2022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2022年9月30日止第三季度（「報告期」），根據《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 2022年10月28日 於本公告日期，本公司執行董事為付萬軍先生及曲亮先生；非執行董事為王江先生、吳 利軍先生、姚仲友先生、姚威先生、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 ...

■ank 中国光大银行 EVERBRIGHT BANK 打 造 一 流 財 富 管 理 銀 行 股份代碼：6818 进·无止境 英国《The Banker》 2021全球银行1000强 16.04 中国光大银行》。 中國光大銀行股份有限公司 中期報 INTERIM REPOR China Everbright Bank Company Limited (於中華人民共和國註冊成立的股份有限公司) r re 目錄 優先股股本變動及股東情況 53 重要提示、釋義和備查文件目錄 2 發行可轉換公司債券情況 55 本行簡介 4 董事、監事、高級管理人員、 員工和機構情況 57 主要會計數據和財務指標 6 管理層討論與分析 10 公司治理 60 環境和社會責任 43 中期財務資料審閱報告及財務報表 65 重要事項 44 普通股股本變動及股東情況 48 中 國 光 重要提示、釋義和備查文件目錄 大 銀 行 一、重要提示 （一） 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。 （二） 本行第八屆董事會第四十二次會議於2022年 ...