Core Viewpoint - Everbright Bank is actively implementing policies to boost consumption and develop consumer finance as directed by relevant authorities, following the State Council's recent initiatives [1] Group 1: Policy Implementation - The bank is organizing the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies as announced in the State Council's meeting on July 31 [1] - Efforts will be made to optimize financial services and guarantee measures, simplifying procedures to ensure the policies are effectively and promptly executed [1] Group 2: Risk Management - The bank emphasizes strict supervision to enhance the efficiency of fund utilization and mitigate risks associated with consumer finance lending [1] - This response marks Everbright Bank as the first joint-stock bank to act on the new policies following the recent actions of major state-owned banks [1]

本报记者 彭妍 近期，国内信用卡市场动作不断，权益缩水、部分产品停发、分中心关闭等现象引发广泛关注。具体来 看，招商银行、光大银行、浦发银行等多家银行陆续宣布，对部分高端信用卡产品的权益及活动进行调 整，涉及提高使用门槛、调整积分规则以及削减高端权益等；同时，还有多家银行宣布停发部分信用卡 产品，其中联名卡占比居多；此外，年内已有超过40家银行信用卡分中心获批终止营业。信用卡行业的 转型趋势日渐显现。 中国邮政储蓄银行研究员娄飞鹏对《证券日报》记者表示，上述现象折射出我国商业银行的信用卡业务 正经历三大转向：从规模导向转为价值深耕，从依赖息差转为生态变现，从以产品为中心转为以客户为 中心。这意味着行业已从"跑马圈地"的粗放阶段迈入"精耕细作"的质变期。未来，银行信用卡的创新重 点将围绕场景化联名卡开发、数字信用卡迭代、AI精准营销落地及客群生态圈构建等方向展开，通过 动态客群分层与场景化经营，筑牢新的价值"护城河"。 提高权益使用门槛 对于这一密集调整，苏商银行特约研究员高政扬对《证券日报》记者表示，其背后是市场环境与银行自 身经营需求共同作用的结果，核心逻辑是行业从增量扩张转向存量深耕。银行需通过精简低效产 ...

Group 1 - The core viewpoint of the news highlights a positive performance in the Hong Kong banking sector, with several banks experiencing significant stock price increases, particularly Agricultural Bank of China, which rose over 3% [1] - As of July 31, five A-share listed rural commercial banks, including Qingdao Bank and Ningbo Bank, reported positive growth in both operating income and net profit attributable to shareholders for the first half of the year, indicating stable asset quality [1] - According to a report by Zhongtai Securities, the overall asset quality of listed banks remains stable, and the industry's profit-generating capacity from provisioning is still strong, with expectations for continued positive profit growth in the sector [1] Group 2 - The net interest margin is supported by a decrease in funding costs and a larger reduction in deposit rates compared to loan rates this year, with a forecast that the decline in net interest margin for the entire year will be significantly smaller than in 2024 [1] - The recovery in scale expansion speed under a low base in the mid-year report will also support interest income [1]

中泰证券在研报中分析指出，上市银行资产质量总体平稳，行业拨备释放利润能力仍强，预计行业利润 维持正增仍可期。净息差受负债成本下降以及今年降息存款端幅度大于贷款端的支撑，预计全年净息差 下降幅度会明显小于2024年；另外，低基数下中报的规模扩张速度修复也会对利息收入形成支撑。(格 隆汇) | 代码 | 名称 | 最新价 | 涨跌幅 √ | | --- | --- | --- | --- | | 01288 | 农业银行 | 5.270 | 3.13% | | 01963 | 重庆银行 | 7.850 | 2.08% | | 01398 | 工商银行 | 6.120 | 2.34% | | 03968 | 招商银行 | 51.400 | 2.19% | | 03618 | 重庆农村商业银 | 6.250 | 2.12% | | 01988 | 民生银行 | 4.820 | 2.12% | | 03866 | 青岛银行 | 4.080 | 1.75% | | 02066 | 盛京银行 | 1.220 | 1.67% | | 06818 | 中国光大银行 | 3.690 | 1.65% | | 00998 | 中信银 ...

通过营销走访，该行了解到邵阳市某医院有清欠计划，经与该院深入沟通协商，最终入围该院清欠合作 行名单。为尽快实现业务零的突破，该行组建精干力量，高效运作，整个流程耗时仅48小时，得到了该 医院和当地政府清欠专班的一致好评。 下阶段，光大银行长沙分行将进一步提高政治站位，积极对接湖南省名单内相关单位，通过金融支持清 欠工作不断深化与省内各级政府及相关部门的合作，助力地方经济轻装前行、高质量发展。(姜宏 周梓 航) 7月31日，光大银行长沙分行成功为邵阳市某医院投放清欠贷款，实现该行首笔清欠贷款落地，该笔业 务也是邵阳地区股份制银行首笔、邵阳地区第二笔清欠贷款投放。 今年6月，中国人民银行召开金融支持清欠工作会议，光大银行长沙分行党委根据会议精神和总行相关 部署，成立工作专班，积极与当地政府清欠专班、工信部、财政部对接，并梳理名单开展精准营销。 ...

中国光大银行(06818.HK)公布，中国光大银行股份有限公司第二期优先股(简称光大优 2，代码 360022) 将于2025 年 8 月 11 日发放股息，按照光大优 2 票面股息率4.01%计算，每股发放现金股息人民币 4.01 元(含税)，合计人民币4.01 亿元(含税)。 本文源自：金融界AI电报 ...

中国光大银行(06818)公布，中国光大银行股份有限公司第二期优先股(简称光大优2，代码360022)将于 2025年8月11日发放股息，按照光大优2票面股息率4.01%计算，每股发放现金股息人民币4.01元(含税)， 合计人民币4.01亿元(含税)。 ...

中国光大银行(06818)公布，中国光大银行股份有限公司第二期优先股(简称光大优 2，代码 360022)将于 2025 年 8 月 11 日发放股息，按照光大优 2 票面股息率4.01%计算，每股发放现金股息人民币 4.01 元(含 税)，合计人民币4.01 亿元(含税)。 ...

Core Viewpoint - Everbright Bank aims to enhance sustainable development capabilities through cost reduction, quality improvement, and efficiency enhancement, alongside increasing credit investment and project reserves [1] Group 1: Management Changes - Yao Hongyu, General Manager of the Transaction Banking Department and International Business Department, is proposed to be appointed as Vice President of Everbright Hong Kong [1] - Liu Yanhua, Deputy General Manager of the Human Resources Department, is proposed to be appointed as a committee member and Deputy General Manager of Everbright Cloud Payment Company [2] - Zhang Jianing, Deputy General Manager of Retail and Wealth Management Department, is appointed as Deputy General Manager of Digital Finance/Cloud Life Division [2] - Shi Li, Deputy General Manager of the Financial Technology Department, is proposed to be appointed as Deputy General Manager of the Credit Card Center [3] Group 2: Business Performance and Strategy - Everbright Bank plans to increase loans to technology enterprises by over 20%, green finance loans by over 15%, and inclusive finance loans by over 10% by the end of 2024 [4] - The bank aims to boost housing loans, personal consumption loans, and personal business loans to meet residents' housing needs [4] - In Q1, Everbright Bank reported operating income of 33.09 billion yuan, a year-on-year decrease of 4.1%, with intermediary business income of 5.68 billion yuan, showing a year-on-year increase of 3.3% [4] - For 2025, the bank plans to continue promoting high-quality development and enhancing profitability despite external challenges [4]

（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 公司第二期優先股2025年股息發放實施公告》，僅供參閱。 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。 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 中国光大银行股份有限公司 第二期优先股 2025 年股息发放实施公告 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。 重要内容提示 ...