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8月31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9月2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 | ...

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8月31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9月2日 I. 法定/註冊股本變動 FF301 第 1 頁 共 11 頁 v 1.1.1 FF301 II. 已發行股份及/或庫存股份變動 | 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 | | | | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | | 已發行股份總數 | | | 上月底結存 | | | 12,678,735,500 | | | 0 | | 12,678,735,500 | | 增加 / 減少 (-) | | | 0 | | | 0 | | | | 本月底結存 | | | ...

上半年，光大银行实现营业收入659.18亿元，同比下降5.57%，降幅较上年同期收窄3.2个百分点；归母净利润246.22亿元，同 比增长0.55% 文｜《财经》记者 唐郡 编辑｜张威 8月29日，光大银行发布2025年半年度报告。 报告显示，截至6月末，光大银行总资产达7.24万亿元，较上年末增长4.02%；贷款总额4.08万亿元，较上年末增长3.82%；存 款余额4.25万亿元，较上年末增长5.39%。 上半年，光大银行实现营业收入659.18亿元，同比下降5.57%，降幅较上年同期收窄3.2个百分点；归母净利润246.22亿元，同 比增长0.55%。 受贷款市场报价利率下调、存量房贷利率调整等因素影响，上半年光大银行净息差同比下降14个基点，至1.40%。受此影响， 该行上半年利息净收入为454.32亿元，同比减少26.79亿元，下降5.57%。 同时，上半年光大银行计提资产减值损失159.13亿元，同比大幅下降21.60%。华创证券金融业研究团队认为，资产减值损失减 少有效对冲了营收端的压力。 以阳光财富为例，上半年光大银行在零售金融领域着力打造"阳光财富"品牌。截至6月末，光大银行零售AUM（资产管 ...

半年报数据显示，42家A股上市银行上半年共实现营业收入超2.9万亿元，同比增长超过1%；实现归母 净利润1.1万亿元，同比增长0.8%。其中工行、建行、农行、中行上半年净利润均超过千亿元，六大商 业银行的不良贷款率都保持在低位。(格隆汇) | 代码 | 名称 | 最新价 | 涨跌幅 ▽ | | --- | --- | --- | --- | | 03618 | 重庆农村商业银 | 6.010 | 3.80% | | 01288 | 农业银行 | 5.350 | 2.88% | | 01658 | 邮储银行 | 5.730 | 2.50% | | 02016 | 浙商银行 | 2.740 | 2.24% | | 00939 | 建设银行 | 7.710 | 2.12% | | 06818 | 中国光大银行 | 3.550 | 2.01% | | 00998 | 中信银行 | 6.980 | 1.60% | | 03968 | 招商银行 | 47.780 | 1.57% | | 01216 | 中原银行 | 0.350 | 1.45% | | 03328 | 交通银行 | 6.750 | 1.35% | | 01 ...

近日，中国光大银行发布2025年半年度业绩报告并举行中期业绩发布会。秉持"融合引领业务发展"的科 技定位，上半年，光大银行全面推进数字金融建设，以科技驱动业务创新升级，加速智能助手在业务管 理、数据服务、科技研发等核心环节的规模化应用，打通数字化转型最后一公里，全方位提升数智银行 建设实效。 此外，光大银行还积极探索大模型技术和授信业务的深度融合。自主研发的"授信调查智能报告"功能， 5分钟即可自动生成一份百页调查报告。该功能已服务2000余位一线客户经理，赋能全行39家一级分 行，有效提升银行授信业务质效。 在数据领域，光大银行自主研发并推出集人工智能（AI）与商业智能（BI）于一体的"问数"智能分析工 具，整合了超过2000个数据指标，覆盖零售、对公、运营、财资等主要业务领域，全面支持指标、报 表、分析报告、外部数据等多种数据类型的问答查询，为业务一线及时、准确反馈高质量数据分析结 果。 在普惠金融、供应链金融、零售金融等重点领域，光大银行持续深化线上化、智能化能力建设，让智能 转型成果惠及广大客户。例如，开发普惠线上贷款产品统一入口"阳光e捷贷"，形成线上贷款标准化范 式，通过数字化技术梳理并重构20项 ...

Core Viewpoint - The personal consumption loan interest subsidy policy was officially implemented on September 1, providing consumers with financial incentives to stimulate spending through loans [1] Group 1: Loan Application Process - Consumers can apply for loans conveniently via mobile phones, and to enjoy the interest subsidy, they need to sign a supplementary contract during loan withdrawal [2] - For small consumer loans under 50,000 yuan, consumers can receive a maximum subsidy of 1,000 yuan, while for larger loans, the maximum subsidy can reach 3,000 yuan when multiple loans are aggregated [2][4] Group 2: Policy Promotion and Awareness - Banks are actively promoting the interest subsidy policy through various channels, including bank branches and partnerships with retail outlets [3] - According to industry analysts, a 1% subsidy rate could theoretically support 10 trillion yuan in consumer demand for every 100 billion yuan in fiscal expenditure [3] Group 3: Conditions for Receiving Subsidies - To qualify for the interest subsidy, loan funds must be used for genuine consumption, and specific payment methods are required [4] - If consumers do not automatically receive the subsidy upon repayment, they can submit transaction proof for manual review starting September 5 [4] Group 4: Service Optimization and Risk Management - Financial institutions are enhancing their services to ensure that more consumers benefit from the policy, including allowing existing loan customers to access subsidies for new purchases [6] - Experts emphasize the importance of monitoring loan usage to prevent misuse of funds and ensure that subsidies are effectively utilized for consumption [6]

Core Viewpoint - The mid-year performance report for 2025 reveals that the ten listed joint-stock banks have shown a stable overall operational trend, with total assets reaching 73.38 trillion yuan and net profits totaling 278.125 billion yuan, while also exhibiting diverse development characteristics across the industry [2] Group 1: Asset Performance - Total assets of the joint-stock banks have generally increased, with the leading banks being China Merchants Bank and Industrial Bank, with total assets of 12.657 trillion yuan and 10.614 trillion yuan respectively, marking growth rates of 4.16% and 1.01% compared to the end of the previous year [3][4] - Among the ten banks, except for China Minsheng Bank and Bohai Bank, all other banks achieved positive growth in total assets [4] Group 2: Revenue and Profitability - Seven out of ten banks reported a year-on-year decline in operating income, with only Shanghai Pudong Development Bank, China Minsheng Bank, and Bohai Bank achieving revenue growth [5][7] - China Merchants Bank led in net profit with 74.930 billion yuan, showing a slight increase of 0.25% year-on-year, while four banks experienced a decline in net profit [8][9] Group 3: Net Interest Margin - The net interest margin has shown a significant downward trend, with eight out of ten banks continuing to decline, influenced by factors such as the reduction in the Loan Prime Rate (LPR) and adjustments in mortgage rates [9][10] - China Merchants Bank reported the highest net interest margin at 1.88%, although it decreased by 0.12 percentage points year-on-year [10][11] Group 4: Asset Quality - The non-performing loan (NPL) balances of all ten banks have increased compared to the end of the previous year, with Bohai Bank experiencing the fastest growth in NPLs, reaching 17.269 billion yuan, a 4.79% increase [12][13] - The highest NPL ratios were recorded by Bohai Bank (1.81%), Huaxia Bank (1.60%), and China Minsheng Bank (1.48%), while China Merchants Bank had the lowest at 0.93% [14] Group 5: Provision Coverage Ratio - The provision coverage ratio has decreased for seven banks compared to the end of the previous year, with Ping An Bank experiencing the largest decline of 12.23 percentage points [15] - China Merchants Bank has the highest provision coverage ratio at 410.93%, while China Minsheng Bank has the lowest at 145.06% [15]

Core Insights - The credit card market is experiencing a significant decline, with various metrics showing a downward trend, including credit card loan balances, transaction volumes, and the number of active cards [1][2][3] Credit Card Loan Balances - The total credit card loan balance of 14 major banks reached 7.52 trillion yuan, a decrease of 197.57 billion yuan or 2.56% compared to the beginning of the year [1][2] - China Bank reported the largest decline in credit card loans, down 13.88% to 522.50 billion yuan, while other banks like Ping An Bank and Industrial Bank saw reductions of 9.23% and 8.07%, respectively [2] Credit Card Transaction Volumes - The total credit card transaction amount for 12 banks was 11.47 trillion yuan, reflecting a year-on-year decrease of 11.05%, equating to a loss of 1.42 trillion yuan [2] - The highest decline was observed in China Bank and Everbright Bank, with transaction volumes dropping over 18% [2] Credit Card Circulation - The total number of circulating credit cards among 10 banks was 890 million, a decrease of 3.91 million cards compared to the previous year [3] - Ping An Bank saw a net reduction of 6.26 million cards, while Citic Bank experienced an increase of 6.37 million cards [3] Credit Card Business Revenue - Credit card business revenue is also on a downward trend, with only four banks disclosing figures. For instance, China Merchants Bank reported a 4.96% decline in interest income to 30.61 billion yuan [4][5] - Other banks like Citic Bank and Everbright Bank reported declines of 14.61% and 21.3%, respectively, in their credit card business revenue [5] Credit Card Non-Performing Loans - The non-performing loan (NPL) ratio for credit cards is rising, with the highest NPL ratio reported by China Merchants Bank at 1.75% [6] - Agricultural Bank and Postal Savings Bank reported the lowest NPL ratios at around 1.5% [6] Changing Consumer Behavior - There is a noticeable shift in consumer attitudes towards credit cards, with many users opting to cancel multiple cards, citing that they only need one or two [7] - The trend of "decluttering" credit cards is evident, as consumers express dissatisfaction with the reduced benefits associated with credit cards [7] Industry Outlook - Despite the overall contraction in the credit card market, there is potential for quality improvement and differentiation in competition [8] - Future strategies for banks include focusing on high-end customer needs and basic customer demands, with various banks launching targeted promotional activities [8][9]

Core Viewpoint - China Everbright Bank has been focusing on customer-centric digital financial services since 2025, integrating digital technology into business innovation and operations, particularly through platforms like "Everbright Cloud Payment," mobile banking, and "Xinyue Tong" [1] Group 1: Digital Financial Services - "Everbright Cloud Payment" has served over 2.3 billion users by the end of August 2025, with more than 19,000 payment collection projects integrated and over 500 new rural payment service projects launched [2] - The bank has expanded its non-tax collection services to cover 30 provinces and personal social security collection services to 28 provinces, enhancing the payment experience for elderly customers through a dedicated social security payment mini-program [2] - The platform offers a one-stop service combining payment convenience with wealth management products, including investment, insurance, and loans [2] Group 2: Mobile Banking Enhancements - Everbright Mobile Banking has over 68 million registered users and has strengthened its wealth management features in 2025, introducing various investment options and improving the user experience for fund purchases and loan selections [3][4] - The mobile banking platform has launched cross-border financial services, including personal asset certification and international remittance services in multiple currencies, catering to diverse customer needs [4] Group 3: Support for Corporate Digital Transformation - "Xinyue Tong" platform aids corporate digital transformation by providing comprehensive payroll services, significantly improving efficiency for large enterprises [5] - The bank has collaborated with major platforms like Meituan to offer enhanced employee benefits and digital management services, supporting businesses in their digitalization efforts [5] - In the real estate sector, the bank has established partnerships with local housing authorities to ensure secure transactions and smooth processes for home buyers and sellers [5] - The bank aims to continue advancing its digital transformation and expanding its digital financial product offerings to better serve social welfare and the real economy [5]

在安全护航方面，银联阳光车主经典白金卡及银联麒麟车主卡提供4次/年的汽车代驾服务，有效照顾到 酒后与疲劳驾驶客户的驾乘安全；在舒适体验方面，5点/年的贵宾休息室权益，则为旅途奔波的车主客 户提供静谧休息体验。 伴随消费升级与金融科技深度融合，车主群体对信用卡的需求已从单一支付工具向多元化服务延伸。聚 焦用车场景痛点，光大银联车主信用卡以持续升级的权益体系与深度场景构建，打造覆盖用车、消费、 生活的全链路服务闭环，以"场景金融"定义服务边界，连接起金融与生活。 梯度化产品矩阵：精细化运营满足多元需求 基于对用户需求的深刻洞察，光大银联车主信用卡通过阶梯式产品布局，构建从普惠到高端的完整服务 生态，满足不同车主的差异化需求。 年费方面，银联阳光车主经典白金卡以"消费达标返首年年费"的灵活策略平衡成本与权益，大幅降低用 户决策门槛；银联麒麟车主卡在"消费达标返首年年费"基础上，以"资产达标免年费"政策实现财富管理 与生活服务的协同；银联阳光车主菁英白金卡更以"核卡首年免、消费6笔免次年"的亲民门槛，让普惠 金融真正触达更广泛的车主群体。 用车场景深耕：从功能满足到体验升级的跨越 从油费高企到代驾刚需，从充电焦虑到旅 ...