Core Insights - Shenzhen's banking sector has seen a continuous increase in "green" financing, with 29 banks disclosing their environmental information reports for 2024, including state-owned, joint-stock, and city commercial banks [1][3] - As of the first quarter of 2025, the balance of green loans in Shenzhen reached 1.27 trillion yuan, ranking among the top in the country [2] - The four major state-owned banks in Shenzhen have all surpassed 100 billion yuan in green loan balances, primarily directed towards clean energy, energy conservation, and green infrastructure upgrades [1][5] Green Loan Performance - The balance of green loans for the four major state-owned banks in Shenzhen is as follows: - Bank of China: 156.68 billion yuan, with a year-on-year growth of 14.78% [8] - Industrial and Commercial Bank: 146.6 billion yuan, with a growth of 28.6% [8] - China Construction Bank: 116.3 billion yuan, with a growth of 38% [8] - Agricultural Bank: 107.75 billion yuan, with a growth of 14.74% [8] - Joint-stock banks like Shanghai Pudong Development Bank and China Everbright Bank also reported significant growth in green loans, with year-on-year increases of 82.83% and 64.64%, respectively [5][8] Governance and Structure - Many banks have established green finance committees at the branch level, with governance structures often led by senior management from relevant departments [9] - The governance model typically follows a "top-down" approach, with specific departments managing green finance initiatives [9] Green Branches and Recognition - Over 20 "green branches" have been recognized in Shenzhen, with several branches achieving notable green loan balances [10] - The establishment of specialized green financial institutions has been a focus, with various banks creating dedicated branches to serve green financing needs [10] Innovations in Green Finance - Shenzhen has pioneered digital carbon accounts and "carbon reduction loans," along with the issuance of the first green financial bonds for rural revitalization in the country [11] - A comprehensive action plan for green finance was released, outlining 19 specific measures to support Shenzhen's goal of achieving carbon peak in a mega-city context [11]

信用卡业务从前端营销延伸至全链条服务体验的当下，信用卡从制卡到签收的"最后一公里"被视为"品 牌印象的第一触点"，直接决定了客户对银行服务的第一印象。敏锐洞察这一趋势，光大信用卡以"客户 视角"重构运营逻辑，用时效提升的"速度"、多端触达的"温度"、主动监控的"精度"，真正实现"申请无 忧、收卡无虑"的用卡体验。 速度升级，让期待不必久候。信用卡在办理成功后，"何时收卡"成为悬在客户心头的问号。为此，光大 信用卡对卡片生产、物流配送等关键节点进行精细化运营，建立制卡时效性监控机制，通过对卡片生 产、邮寄关键节点的主动监控，调优卡片邮寄方式，确保大部分客户在2～3天就能收到信用卡，速度大 幅提升。 透明服务，让过程可见可触。速度只是基础，优质的客户体验在于让客户随时掌握动态。为此，光大信 用卡在信用卡寄出、签收、退回环节设置多渠道的通知提醒，全流程透明化，确保客户及时查询及跟踪 卡片邮寄进度，让客户"心中有数"。 体验升维，从流程优化到价值重构。真正的客户体验，往往藏在细节里。光大信用卡不止关注"卡能否 到"，更聚焦制卡速度、物流透明度等细节，以主动监控机制实现从"被动响应"到"主动守护"的跨越， 实现从"功能 ...

Core Viewpoint - As of June 30, 2025, Everbright Bank's stock closed at 4.15 yuan, with no change in price, and a trading volume of 1.5125 million shares, amounting to a total transaction value of 628 million yuan [1] Group 1: Trading Information - On June 30, 2025, the net inflow of main funds into Everbright Bank was 12.1871 million yuan, accounting for 1.94% of the total transaction value [2] - The net inflow of speculative funds was 27.0909 million yuan, representing 4.31% of the total transaction value [2] - Retail investors experienced a net outflow of 39.2779 million yuan, which constituted 6.25% of the total transaction value [2][6] Group 2: Company Announcements - The 29th meeting of the 9th Board of Directors of China Everbright Bank was held on June 30, 2025, with all 16 participating directors voting [3] - Three resolutions were passed unanimously: the report on the update of the important model and key parameters for expected credit losses in the first half of 2025, the change of the "Australian overseas executive" at the Sydney branch, and the proposal to hold the second extraordinary general meeting of shareholders in 2025 [3][6] Group 3: Share Capital Changes - As of June 30, 2025, there were no changes in the statutory and registered share capital of Everbright Bank, with H-shares totaling 12,678,735,500 shares and A-shares totaling 46,406,815,561 shares, each with a par value of 1 yuan [4] - The total statutory registered capital at the end of the month was 59,085,551,061 yuan, with no changes in the number of issued shares for both H-shares and A-shares [4][6] - The number of issued preferred shares remained unchanged, with specific amounts for different series, and no inventory shares were reported [4]

第九届董事会第二十九次会议决议公告 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）第九届董事会第二十九 次会议于2025年6月23日以书面形式发出会议通知，并于2025年6月30 日以书面传签方式召开。本次会议应参与表决董事16名，实际参与表 决董事16名。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》的有关规定。 本次会议审议并通过以下议案： 一、关于《中国光大银行股份有限公司2025年上半年预期信用损 失重要模型及关键参数更新情况报告》的议案 表决情况：有效表决票16票，同意16票，反对0票，弃权0票。 股票代码：601818 股票简称：光大银行 公告编号：临 2025-034 中国光大银行股份有限公司 二、中国光大银行股份有限公司关于变更悉尼分行"澳大利亚海 外高管"的议案 表决情况：有效表决票16票，同意16票，反对0票，弃权0票。 三、关于提请召开中国光大银行股份有限公司2025年第二次临时 股东大会的议案 表决情况：有效表决票16票，同意16票，反对0票，弃权 ...

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 （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 公司第九屆董事會第二十九次會議決議公告》，僅供參閱。 中國光大銀行股份有限公司 董事會 股票代码：601818 股票简称：光大银行 公告编号：临 2025-034 中国光大银行股份有限公司 第九届董事会第二十九次会议决议公告 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 ...

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6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: 2025年6月30日 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 ...

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。 股票代码：601818 股票简称：光大银行 公告编号：临 2025-034 中国光大银行股份有限公司 第九届董事会第二十九次会议决议公告 中国光大银行股份有限公司（简称本行）第九届董事会第二十九 次会议于2025年6月23日以书面形式发出会议通知，并于2025年6月30 日以书面传签方式召开。本次会议应参与表决董事16名，实际参与表 决董事16名。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》的有关规定。 本次会议审议并通过以下议案： 一、关于《中国光大银行股份有限公司2025年上半年预期信用损 失重要模型及关键参数更新情况报告》的议案 表决情况：有效表决票16票，同意16票，反对0票，弃权0票。 二、中国光大银行股份有限公司关于变更悉尼分行"澳大利亚海 外高管"的议案 表决情况：有效表决票16票，同意16票，反对0票，弃权0票。 三、关于提请召开中国光大银行股份有限公司2025年第二次临时 股东大会的议案 表决情况：有效表决票16票，同意16票，反对0票，弃权 ...

Group 1 - The core viewpoint of the articles emphasizes the importance of increasing financial support for R&D investments in technology innovation enterprises to facilitate a virtuous cycle of "technology-industry-finance" and achieve high-level technological self-reliance [1][2] - Everbright Bank has launched the "Technology R&D Loan" to assist technology innovation enterprises in overcoming financing bottlenecks for R&D and accelerating core technology breakthroughs and results transformation [1] - A semiconductor testing company in Shenzhen, which specializes in memory chip packaging and testing, is currently facing significant pressure due to high R&D investment needs and traditional financing models that do not meet its requirements [1] Group 2 - The "Technology R&D Loan" product from Everbright Bank targets the financing needs of technology innovation enterprises, supporting a wide range of R&D-related expenditures, including the purchase of scientific instruments, construction and renovation of pilot production lines, patent rights acquisition, personnel salaries, and analysis testing costs [2] - The product features broad funding purposes, long loan terms, diverse guarantee methods, and flexible repayment plans, which have been highly recognized by enterprises, effectively assisting them in transitioning from "intellectual capital" to "financial capital" [2] - Everbright Bank has developed a differentiated financial service system for specialized and innovative enterprises, including various credit products such as "Technology e-loan," "Specialized and Innovative Enterprise Loan," and "Specialized and Innovative Giant Loan" [2]

Core Viewpoint - The audit report highlights weaknesses in financial risk management among certain financial institutions, including issues related to non-compliance in asset disposal and improper lending practices. Financial Risk Weaknesses - The audit report indicates that while financial risks are being effectively managed, there are still notable weaknesses, such as six banks issuing a total of 20.968 billion yuan in development loans to real estate projects lacking complete documentation since 2022 [3] - Seven banks failed to adhere to guidelines that differentiate between the overall risk of real estate companies and the risks of individual projects when issuing loans [3] - Five banks exhibited inadequate supervision over unusual account fund flows, leading to 11 local financing platforms raising 24.743 billion yuan from the public, primarily to repay existing debts [4] Improper Disposal of Non-Performing Assets - The audit revealed that major banks, including the Agricultural Development Bank of China and the Export-Import Bank of China, did not classify 19.38 billion yuan in loans as non-performing despite borrowers being unable to repay [6] - Three local small and medium-sized banks concealed 31.8 billion yuan in non-performing loans by extending repayment periods and adjusting repayment plans, resulting in a true non-performing loan ratio of 2.77%, significantly higher than the national average [7] Non-Compliance in Lending Practices - The report noted that the Agricultural Development Bank of China issued loans to 270 enterprises with fabricated documents from November 2020 to 2024, indicating a lack of due diligence [13] - The Export-Import Bank of China engaged in improper fundraising practices by linking deposit and loan rates, increasing financing costs for enterprises [13] - The report emphasizes that issues identified in policy banks are indicative of broader risks faced by many commercial banks [14] Trends in Deposit Competition - As major state-owned banks have lowered deposit rates, the phenomenon of "deposit migration" has intensified, leading to unconventional deposit solicitation methods [15] - Some banks have offered promotional activities, such as deposits linked to popular IP products, reflecting the pressure on banks to attract deposits [16] - A report from Dongfang Securities indicates that while the overall deposit gap in the banking sector has eased since 2025, state-owned banks still face significant deposit shortages, highlighting a divergence in deposit growth between large and small banks [17][18]

| 香港 | | | | | --- | --- | --- | --- | | 代扣所得稅信息 | | | | | | 對於任何宣派之股息所適用之代扣所得稅（包括股東類型及適用的稅率）載列於下表。 | | | | | 除下表所列代扣所得稅之外，H股個人股東為與中國簽訂高於10%但低於20%股息稅率的 | | | | | 稅收協議國家的居民，本公司將按相關稅收協議實際稅率代扣代繳個人所得稅。 | | | | | 有關進一步詳情請見本公司日期為2025年6月27日的2024年年度股東大會決議公告。 | | | | | 因股東身份未能及時確定或錯誤確定而引致的任何索償或對代扣代繳機制的任何爭議， | | | | | 本公司概不負責。 | | | | | | | 有關代預扣所得稅之更多補充 | | | 股東類型 | 稅率 | （如適用） | | | 非居民企業 | | | | | （非中國內地登記地址） | 10% | 本公司向名列於H股股東名冊上的 | | | | | 非居民企業股東派發現金股息時， | | | | | 有義務代扣代繳企業所得稅，稅率 | | | | | 為10%。任何以非個人股東名義， | | ...