（文章来源：北京商报） 北京商报讯8月29日，光大银行发布2025年半年度业绩报告，报告期内，该行实现营业收入659.18亿 元，同比下降5.57%。其中，利息净收入454.32亿元，同比下降5.57%；手续费及佣金净收入104.43亿 元，同比下降0.85%；其他收入100.43亿元，同比下降10.04%。实现净利润247.41亿元，同比增长 0.53%。 业务规模方面，截至报告期末，光大银行资产总额达72385.91亿元，比上年末增加2795.70亿元，增长 4.02%；贷款和垫款本金总额40840.70亿元，比上年末增加1501.68亿元，增长3.82%；存款余额42531.82 亿元，比上年末增加2174.95亿元，增长5.39%。 资产质量方面，报告期末，光大银行不良贷款余额509.15亿元，比上年末增加16.63亿元；不良贷款率 1.25%，与上年末持平；拨备覆盖率172.47%，比上年末下降8.12个百分点。贷款拨备率2.15%，比上年 末下降0.11个百分点。资本净额6910.79亿元，比上年末增加40.02亿元；资本充足率13.53%，一级资本 充足率11.55%，核心一级资本充足率9.49 ...

截至2025年6月末，光大银行资产总额72386亿元，较上年末增长4.0%。其中，贷款总额40841亿元，较 上年末增长3.8%；基础贷款（不含贴现）39911亿元，较上年末增长5.6%，在资产中占比提升0.8个百分 点至55.1%。负债总额66414亿元，较上年末增长4.3%。其中，存款余额42532亿元，较上年末增长 5.4%；在负债中占比提升0.7个百分点至64.0%。资产负债结构均实现优化。 面对资产收益率持续下行、市场利率上行、客户有效需求不足等因素，光大银行持续加大负债成本管 控，促进负债成本改善、稳定息差利差水平。上半年，该行存款成本同比改善34BP，其中对公、零售 存款成本分别改善36BP、32BP，其他负债成本也改善明显；净息差为1.40%，与一季度持平。 新华财经北京8月29日电（记者吴丛司）光大银行29日发布2025年半年报显示，该行今年上半年实现营 业收入659.2亿元；实现净利润247.4亿元，同比增长0.5%，继续保持正增长。 在资产质量方面，截至2025年6月末，光大银行不良贷款率1.25%，与上年末持平；拨备覆盖率 172.47%；贷款拨备率2.15%；关注率1.80%，较上年 ...

Core Viewpoint - Shanghai's housing market has introduced new mortgage interest rate pricing mechanisms, eliminating the distinction between first and second home loans, aiming to optimize the real estate policy in the city [1][4]. Group 1: New Mortgage Policies - The new mortgage interest rate pricing mechanism will no longer differentiate between first and second homes, with rates determined based on the Shanghai market interest rate self-discipline mechanism and individual bank conditions [2][4]. - For new loans, the specific interest rate will be set according to market conditions and customer risk profiles [2][4]. Group 2: Existing Loan Adjustments - Existing loan policies will continue to follow the adjustments made in October of the previous year, allowing for the adjustment of interest rates on certain second home loans if they exceed the average new loan rate by 30 basis points [2][3]. - The minimum interest rate for second home loans applied after September 1 is expected to align with the first home loan rate at 3.09%, while existing loans at 3.45% could be reduced to 3.36% [3]. Group 3: Regulatory Framework - The central bank's adjustments include guidelines for banks to ensure compliance with market order and to provide clear communication regarding the new policies to borrowers [4]. - Banks are expected to enhance their pricing autonomy while maintaining consistency in mortgage pricing across the sector [4].

中 国 光 大 银 行 股 份 有 限 公 司 CHINA EVERBRIGHT BANK COMPANY LIMITED 2 0 2 5 年 半 年 度 报 告 截至本报告披露日，董事会尚未审议本报告期利润分配预案或资 本公积转增股本预案。本行后续将制定具体的中期分红方案，履行公 司治理程序后实施。 本报告中有关本行未来计划等前瞻性陈述不构成本行对投资者 的实质承诺，投资者及相关人士均应当对此保持足够的风险认识，并 且应当理解计划、预测与承诺之间的差异。 本行已在本报告中详细描述存在的主要风险及拟采取的应对措 施，详见"第四节管理层讨论与分析"相关内容。 (A 股股票代码：601818) 2025 年 8 月 29 日 重要提示 本行董事会、监事会及董事、监事、高级管理人员保证本报告内 容的真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏， 并承担个别和连带的法律责任。 本行第九届董事会第三十次会议于 2025 年 8 月 29 日在北京召开， 审议通过本行《2025 年半年度报告》。会议应出席董事 16 名，实际 出席董事 16 名。本行部分监事列席本次会议。 本行按照中国企业会计准则和国际财务报告 ...

8月29日金融一线消息，光大银行召开2025年半年度业绩发布会。行长郝成表示，做好金融五篇大文章既是金融更好地服务实体经济的必然要求，也是金融企业自身优化业务结构，推动高质量发 一是，积极对接国家投资引导基金，实现投行贷款托管一体联动，完善科技型企业全生命周期服务体系。 三是，推动普惠金融信贷总量稳步增长，资产质量稳定可控。 四是，发挥集团协同优势，深耕养老金、养老服务、养老产业三个金融板块，支持银发经济发展。 五是，加快推进数字金融布局，推动数字技术赋能重点业务，支持数字经济核心产业发展。 郝成强调，光大银行将继续坚持服务实体经济的根本宗旨，坚定不移走中国特色金融发展之路，充分践行金融央企的责任担当，平衡好功能性和盈利性的关系，更加有力有效的做好金融五篇大文 责任编辑：张文 二是，围绕经济社会发展、全面绿色转型和美丽中国建设的重点任务，丰富完善绿色金融产品体系，持续提升绿色金融资产的底色和成色。 郝成表示，下一步将采取一系列具体措施，进一步深化金融领域五篇大文章。 ...

Core Viewpoint - Everbright Bank is facing significant challenges in retail banking due to cyclical pressures, but it remains committed to a customer-centric strategy and has implemented several initiatives to enhance its performance [1] Group 1: Retail Deposit Strategies - Everbright Bank has achieved effective cost control in retail deposits through four key initiatives, resulting in both volume and price improvements [1] - The four initiatives include sourcing projects for capital introduction, driving product sales, and comprehensive management of customer segments [1] Group 2: Wealth Management - The bank's wealth management division is leveraging its product and channel service advantages, leading to an enhanced brand and market influence [1] - It focuses on two main systems: Sunshine Wealth Management and Sunshine Select, which are recognized for their diverse product offerings and stable, low-risk characteristics [1] Group 3: Pension Finance - Everbright Bank is actively advancing its pension finance business, utilizing group synergies to highlight its unique offerings [1] Group 4: Competitive Differentiation - The bank aims to build differentiated competitive capabilities, focusing on key livelihood and government service areas to steadily enhance its overall contribution [1] - It is accelerating its service expansion across provincial, municipal, and county levels, thereby increasing service scale and coverage while strengthening its industry-leading advantages [1]

Core Viewpoint - China Everbright Bank reported a mixed performance for the first half of 2025, with operating income decreasing by 5.6% year-on-year, while net profit attributable to shareholders increased by 0.55% [2] Financial Performance - Operating income for the period was 65.951 billion RMB, down from the previous year [2] - Net profit attributable to shareholders reached 24.622 billion RMB, showing a slight increase [2] - Basic earnings per share stood at 0.38 RMB [2] Business Development Initiatives - The bank established 16 "Innovation Financial Centers" and created 64 specialized technology financial institutions, with loans to technology enterprises growing by 9.88% compared to the end of the previous year [2] - Green loans increased by 12.37% year-on-year, supporting traditional industries in their green and low-carbon transitions [2] - The bank expanded its inclusive finance product system, with inclusive loans and agricultural loans growing by 3.95% and 9.18% respectively [2] Support for Key Sectors - The bank launched a "Service for Private Enterprises" action plan, with medium to long-term loans for manufacturing and strategic emerging industries increasing by 7.61% and 19.11% respectively [3] - A total of 33,400 enterprises were approved for financing, resulting in a loan disbursement of 213.469 billion RMB [3] - Real estate financing mechanisms were implemented, approving 343 projects with a total loan disbursement of 113.348 billion RMB [3] Product and Service Differentiation - The bank enhanced its retail offerings with products like "Sunshine Wealth" and "Sunshine Selection," managing a total of 1.8 trillion RMB in wealth management products [4] - The bank maintained its market position in bond underwriting and continued to develop its investment banking services [4] - Cross-border financial services were strengthened, focusing on supply chain financing [4] Risk Management - The bank implemented a comprehensive risk control system, emphasizing early identification and management of risks [4] - Key areas of risk management included retail credit, credit cards, real estate, and local government financing platforms [4] - The bank also focused on enhancing collection efficiency and managing overseas risks [4]

相关事件 格隆汇8月29日丨中国光大银行(06818.HK)公告，2025年中期业绩，集团实现经营收入659.51亿元，同 比下降5.60%。其中，利息净收入454.32亿元，同比下降5.57%；手续费及佣金净收入104.43亿元，同比 下降0.85%；其他收入100.76亿元，同比下降10.21%。实现净利润247.41亿元，同比增长0.53%。报告期 末，集团不良贷款余额509.15亿元，比上年末增加16.63亿元；不良贷款率1.25%，与上年末持平；拨备 覆盖率172.47%，比上年末下降8.12个百分点。贷款拨备率2.15%，比上年末下降0.11个百分点。 中国光大银行(06818.HK)中期净利润247.41亿元 同比增长0.53% 中国光大银行(6818.HK)：集团生态协 同 经营质效趋稳 ...

Core Viewpoint - China Everbright Bank reported a mixed performance for the first half of 2025, with a decrease in operating income but a slight increase in net profit, highlighting its focus on supporting technology and green finance initiatives [1][2]. Financial Performance - Operating income for the period was 65.951 billion RMB, a decrease of 5.6% year-on-year [1]. - Net profit attributable to shareholders was 24.622 billion RMB, an increase of 0.55% year-on-year [1]. - Basic earnings per share stood at 0.38 RMB [1]. Strategic Initiatives - The bank established 16 "Innovation Financial Centers" and created 64 specialized technology finance institutions, with loans to technology enterprises growing by 9.88% compared to the previous year [1]. - Green loans increased by 12.37% year-on-year, supporting traditional industries in their green and low-carbon transitions [1]. - The bank expanded its inclusive finance product system, with inclusive loans and agricultural loans growing by 3.95% and 9.18% respectively [1]. Support for Small and Medium Enterprises - The bank launched the "Service for Private Enterprises" action plan, with medium to long-term loans for manufacturing and strategic emerging industries increasing by 7.61% and 19.11% respectively [2]. - A total of 33,400 enterprises were approved for financing, resulting in a disbursement of 213.469 billion RMB [2]. - The bank also supported real estate financing with 343 projects approved, leading to a disbursement of 113.348 billion RMB [2]. Product and Service Development - The bank enhanced its retail offerings with products like "Sunshine Wealth" and "Sunshine Gold Selection," managing a total of 1.8 trillion RMB in wealth management products [3]. - It focused on expanding its "Cloud Payment" service and maintaining its market position in bond underwriting and investment banking services [3]. - The bank is also enhancing cross-border financial services and adjusting trading strategies to improve profitability in financial markets [3]. Risk Management - The bank implemented a comprehensive risk control system, focusing on early identification and management of risks across key areas such as retail credit and real estate [3]. - It emphasized the importance of maintaining a balanced client concentration and optimizing business structure to mitigate risks [3].

格隆汇8月29日丨中国光大银行(06818.HK)公告，2025年中期业绩，集团实现经营收入659.51亿元，同 比下降5.60%。其中，利息净收入454.32亿元，同比下降5.57%；手续费及佣金净收入104.43亿元，同比 下降0.85%；其他收入100.76亿元，同比下降10.21%。实现净利润247.41亿元，同比增长0.53%。报告期 末，集团不良贷款余额509.15亿元，比上年末增加16.63亿元；不良贷款率1.25%，与上年末持平；拨备 覆盖率172.47%，比上年末下降8.12个百分点。贷款拨备率2.15%，比上年末下降0.11个百分点。 ...