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 股票代码：601818 股票简称：光大银行 公告编号：临 2025-044 （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 公司關於無固定期限資本債券發行完畢的公告》，僅供參閱。 中國光大銀行股份有限公司 董事會 中國 • 北京 2025年9月19日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為 吳利軍先生、崔勇先生、曲 ...

股票代码：601818 股票简称：光大银行 公告编号：临 2025-044 中国光大银行股份有限公司 本期债券募集的资金将依据适用法律和监管部门的批准，补充本 行的其他一级资本。 特此公告。 关于无固定期限资本债券发行完毕的公告 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。 经国家金融监督管理总局和中国人民银行批准，中国光大银行股 份有限公司（简称本行）在全国银行间债券市场发行了"中国光大银 行股份有限公司 2025 年无固定期限资本债券（第一期）"（简称本期 债券）。 本期债券于 2025 年 9 月 16 日簿记建档，并于 2025 年 9 月 18 日 完成发行。本期债券发行规模为人民币 400 亿元，前 5 年票面利率为 2.29%，每 5 年调整一次，在第 5 年及之后的每个付息日附发行人有 条件赎回权。 中国光大银行股份有限公司董事会 2025 年 9 月 19 日 ...

Core Viewpoint - Everbright Bank has successfully issued a capital bond in the interbank bond market, which will enhance its Tier 1 capital base [1] Group 1: Bond Issuance Details - The bond is titled "China Everbright Bank Co., Ltd. 2025 Perpetual Capital Bond (First Phase)" [1] - The issuance was recorded on September 16, 2025, and completed on September 18, 2025 [1] - The total issuance size is RMB 40 billion [1] Group 2: Financial Terms - The coupon rate for the first five years is set at 2.29%, with adjustments every five years thereafter [1] - The issuer has a conditional redemption right on each interest payment date starting from the fifth year [1] Group 3: Use of Proceeds - The funds raised will be used to supplement the bank's other Tier 1 capital, subject to applicable laws and regulatory approvals [1]

Core Points - The article discusses the efforts of Beijing to enhance the convenience of real estate registration services, with Everbright Bank being a pilot bank in this initiative [1][3]. Group 1: Service Improvement Initiatives - Beijing is promoting online and nearby real estate registration services to simplify the process for residents, reducing the need to visit multiple locations [3]. - Everbright Bank is actively expanding its service offerings to cover more high-frequency scenarios, aligning with the government's call for improved public service [3][5]. Group 2: Self-Service Innovations - Residents can now quickly obtain their property certificates through self-service machines after completing tax payments and property transfers, with the entire process taking approximately 3 minutes [5]. - The introduction of self-service certificate issuance and information query machines enhances the efficiency of the real estate registration process [5][7]. Group 3: Collaboration and Integration - Everbright Bank collaborates with Beijing Lianjia to create a one-stop real estate transaction service center, which integrates various services including contract signing and banking [7]. - The service center aims to streamline the standardized signing process for second-hand housing transactions, improving overall customer experience [7].

Core Viewpoint - The successful issuance of the second phase of technology innovation bonds by Inner Mongolia Electric Power Group, led by Everbright Bank, highlights the growing trend of innovative financing methods in the energy sector, aimed at supporting technological advancements and sustainable development [1][2] Group 1: Bond Issuance Details - The bond issuance amounted to 1 billion yuan, with a maturity of 270 days and a coupon rate of 1.75%, attracting a subscription multiple of 1.42 times [1] - The funds raised will be specifically used to supplement the issuer's working capital, enhancing the smart grid capabilities in Inner Mongolia [1] Group 2: Strategic Importance - The issuance of technology innovation bonds is a significant innovation in the bond market, aligning with national strategies to accelerate the development of a multi-tiered bond market and a technology finance system [1] - This bond issuance serves as a model for financial support to the real economy, promoting deep integration between energy and finance, and fostering technological innovation in the energy sector [2] Group 3: Role of Everbright Bank - Everbright Bank's Hohhot branch played a crucial role as the lead underwriter, showcasing its expertise in planning and executing the bond issuance [2] - This bond marks the first technology innovation bond underwritten by Everbright Bank's Hohhot branch and reflects the bank's commitment to supporting high-quality bond issuers in the region [2]

Market Overview - On September 18, A-shares experienced a significant decline, with all three major indices dropping over 1%, specifically the ChiNext Index down 1.64%, Shanghai Composite Index down 1.15%, and Shenzhen Component Index down 1.06% [1] - The total trading volume in the A-share market reached 3.17 trillion yuan, an increase of 763.7 billion yuan compared to the previous day [1] - Over 4,300 stocks in the market fell, while the robotics sector continued to perform strongly, with Shoukai Co. hitting the daily limit for the 11th time in 12 days [1] Federal Reserve Rate Cut - The Federal Reserve's decision to cut interest rates by 25 basis points was in line with market expectations, with Chairman Powell indicating no broad support for a larger cut [2] - Following the rate cut, global commodity prices, including gold, saw a significant decline, with spot gold dropping from a historical high of $3,700 per ounce to around $3,650 per ounce [2] Banking Sector Performance - The banking sector faced a comprehensive downturn on September 18, with major banks like Changshu Bank and Agricultural Bank of China seeing declines of over 2% [3] - Since reaching a historical high on July 11, the banking sector indices have fallen over 13%, breaking below the 120-day moving average for the first time in a year [3] Shareholder Actions - Despite the downturn in the banking sector, several listed banks have seen shareholder increases, indicating confidence in their future prospects [4][5] - For instance, Everbright Bank's major shareholder has increased its stake by 0.02%, while Nanjing Bank's major shareholder raised its stake from 12.56% to 13.02% [5] Future Market Outlook - Analysts suggest that the recent market decline may be a temporary adjustment, with expectations of a potential upward trend resuming after the correction [8] - Historical patterns indicate that if the market is in a slow bull phase, significant increases may not occur in the next six months, while a fast bull phase could lead to a shorter adjustment period [8] - The possibility of a global central bank rate cut following the Fed's decision could provide further support for the A-share market, potentially leading to a second wave of upward movement [8]

Core Insights - The article highlights the successful implementation of the "Technology e-loan" product by China Everbright Bank, which has significantly improved the loan application process for small and micro enterprises, particularly in the technology sector [1] Group 1: Product Overview - The "Technology e-loan" product allows for a fully mobile loan application process, enabling businesses to complete applications in under half an hour [1] - A specific case is mentioned where a small technology enterprise focused on lithium-ion battery anode materials received a loan of 5 million yuan, addressing its funding shortfall [1] Group 2: Financial Performance - As of August 2025, the combined loan scale of the "Specialized and Innovative Enterprise Loan" and "Technology e-loan" products exceeded 15 billion yuan, representing a 38% increase compared to the end of the previous year [1] Group 3: Future Plans - China Everbright Bank plans to enhance support for technology and small enterprises by promoting online financial products and ensuring effective service delivery to these businesses [1]

Group 1 - Qilu Bank announced a voluntary share buyback plan by its directors, supervisors, and senior management, with a total investment of no less than RMB 3.5 million, scheduled from September 16, 2025, to December 31, 2025, reflecting confidence in the bank's long-term investment value [1] - In September, six listed banks have announced share buyback plans or progress, indicating a trend of major shareholders and executives favoring bank stocks for their long-term investment potential [1] - Suzhou Bank's executives plan to buy back at least RMB 4.2 million worth of shares, citing confidence in the bank's future development [1] Group 2 - Huaxia Bank's share buyback plan was completed with a total of 4.2293 million shares purchased for approximately RMB 31.9 million [2] - Qingdao Bank's major shareholder plans to increase their stake to between 19.00% and 19.99%, intending to buy between 233 million and 291 million shares, based on the long-term investment value of the bank's stock [2] - Share buyback plans from Chengdu Bank and Everbright Bank have progressed, with total investments exceeding RMB 130 million [2] Group 3 - The steady progress of multiple banks' share buyback plans reflects shareholders' optimism about the banks' future development, which is expected to benefit the valuation of the banking sector [3] - The long-term logic of systemic valuation recovery for bank stocks remains unchanged, supported by improved operating conditions and sustained appeal to long-term capital [3] - Factors such as low interest rates and policy incentives are likely to bring stable incremental funds to the banking sector, enhancing the sustainability of valuation recovery [3]

Core Viewpoint - Everbright Bank's stock price has experienced a decline, with a current trading price of 3.53 CNY per share, reflecting a year-to-date drop of 4.10% and a significant decrease over various trading periods [1] Group 1: Stock Performance - As of September 16, Everbright Bank's stock fell by 2.22%, with a trading volume of 16.89 billion CNY and a turnover rate of 1.01%, resulting in a total market capitalization of 208.57 billion CNY [1] - The stock has seen a decline of 3.81% over the last five trading days, 10.18% over the last twenty days, and 15.25% over the last sixty days [1] Group 2: Financial Performance - For the first half of 2025, Everbright Bank reported a net profit attributable to shareholders of 24.62 billion CNY, representing a year-on-year growth of 0.55% [2] - The bank's cumulative cash dividends since its A-share listing amount to 125.71 billion CNY, with 32.61 billion CNY distributed over the past three years [3] Group 3: Shareholder Information - As of June 30, 2025, the number of shareholders for Everbright Bank was 140,500, a decrease of 5.26% from the previous period, while the average circulating shares per person increased by 5.58% to 332,070 shares [2] - Hong Kong Central Clearing Limited is the seventh-largest circulating shareholder, holding 1.34 billion shares, an increase of 181 million shares compared to the previous period [3] Group 4: Business Overview - Everbright Bank, established on June 18, 1992, and listed on August 18, 2010, primarily engages in commercial banking, with retail financial services contributing 40.92%, corporate financial services 36.82%, and financial market services 22.42% to its revenue [1]

Core Viewpoint - The retail transformation in the financial industry emphasizes personal financial services as a key strategy for banks to adjust their business structure and build differentiated competitive advantages [1] Group 1: Personal Financial Asset (AUM) - China Merchants Bank leads the industry with a retail AUM of 16.03 trillion yuan, significantly ahead of its competitors by over 1 trillion yuan [3] - Industrial Bank ranks second with a retail AUM of 5.52 trillion yuan, showing an 8% increase from the previous year [3] - CITIC Bank, with a retail AUM of 4.99 trillion yuan, has adopted a "retail first strategy" and achieved a 6.52% growth [4] Group 2: Number of Personal Customers - China Merchants Bank has the largest personal customer base with 216 million customers, enhancing its cross-selling opportunities [5] - Shanghai Pudong Development Bank follows with 163 million customers, leveraging online and offline channels for customer acquisition [5] - China Everbright Bank ranks third with 160 million customers, utilizing precise marketing strategies to attract specific customer segments [5] Group 3: New Personal Customer Acquisition - Shanghai Pudong Development Bank leads in new customer acquisition with 6.31 million new customers, continuing its online and offline customer acquisition strategy [6] - China Merchants Bank ranks second with 6 million new customers, indicating a lower growth rate relative to its existing customer base [6] - Zhejiang Commercial Bank reported a growth of 5.29 million new customers, focusing on various targeted customer segments [6] Group 4: Average AUM per Customer - China Merchants Bank has the highest average AUM per customer at 74,200 yuan, reflecting its strong wealth management capabilities [7] - Industrial Bank ranks second with an average AUM of 49,300 yuan, maintaining a strong position in customer asset management [7] - CITIC Bank, Ping An Bank, and Huaxia Bank have average AUMs ranging from 30,000 to 40,000 yuan, indicating a need for improvement in high-net-worth service capabilities [8]