China Everbright Bank Company Limited 6818 2025年第三次臨時股東大會回條 致：中國光大銀行股份有限公司（「本公司」） 本人╱吾等 （附註1） 地址為 為本公司股本中每股面值人民幣1.00元的 股 （附註2） H股登記持有人， 茲通知本公司，本人╱吾等擬親自或委任代表代本人╱吾等出席本公司於2025年 11月14日（星期五）下午3時正於中國北京市西城區太平橋大街25號中國光大中心A 座三樓會議室舉行的2025年第三次臨時股東大會。 日期： 簽署： 附註： 1. 請用正楷填上股東名冊內登記的全名及地址。 2. 請填上以 閣下名義登記的股份數目。 3. 填妥及已簽署的回條須於2025年11月10日（星期一）或之前親身、以傳真或郵遞方式送回本公司董事會 辦公室或香港中央證券登記有限公司。 本公司董事會辦公室位於中國北京市西城區太平橋大街25號中國光大中心A座1015室（電話：(86 10) 6363 6388，傳真：(86 10) 6363 9066）。香港中央證券登記有限公司地址為香港灣仔皇后大道東183號 合和中心17M樓（電話：(852) 2862 8555，傳真： ...

China Everbright Bank Company Limited 6818 代表委任表格 適用於2025年11月14日（星期五）舉行的2025年第三次臨時股東大會 本人╱吾等 （附註1） 地址為 為中國光大銀行股份有限公司（「本公司」）股本中每股面值人民幣1.00元的 股 （附註2） H股登記持有人，茲委任大會主席或 （附註3） | | 普通決議案（累積投票議案） | （附註5） 累積投票制 （請填上投票數） | | --- | --- | --- | | 4.2 | 選舉齊曄女士為執行董事 | | | 4.3 | 選舉楊兵兵先生為執行董事 | | | 5 | 關於選舉中國光大銀行股份有限公司第十屆董事會獨立 | | | | 非執行董事的議案 | | | 5.1 | 選舉李引泉先生為獨立非執行董事 | | | 5.2 | 選舉劉世平先生為獨立非執行董事 | | | 5.3 | 選舉黃振中先生為獨立非執行董事 | | | 5.4 | 選舉李穎琦女士為獨立非執行董事 | | | 5.5 | 選舉胡湘先生為獨立非執行董事 | | | 5.6 | 選舉劉俏先生為獨立非執行董事 | | 日期： 股東簽署 （附 ...

閣下對本通函或應採取的行動如有任何疑問，應諮詢 閣下的持牌證券商、銀行經理、律師、 專業會計師或其他專業顧問。 閣下如已出售或轉讓名下所有中國光大銀行股份有限公司股份，應立即將本通函轉交買方或承 讓人或經手出售或轉讓的銀行、持牌證券商或其他代理以轉交買方或承讓人。 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通函的內容概不負責，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通函全部或任何部分內容而產生或因依賴 該等內容而引致的任何損失承擔任何責任。 此乃要件 請即處理 China Everbright Bank Company Limited 6818 為關聯法人光大證券核定綜合授信額度 為關聯法人光大控股核定授信額度 選舉第十屆董事會成員 及 2025年第三次臨時股東大會通知 董事會函件載於本通函第3頁至第8頁。 臨時股東大會將於2025年11月14日（星期五）下午3時正於中國北京市西城區太平橋大街25號中 國光大中心A座三樓會議室舉行。 閣下如欲委任代表出席臨時股東大會，務必根據代表委任表格印列的指示填妥並交回代表委任 表格。H股持有人須不遲於臨時股東大會或其任何續會指定舉行時間前24 ...

China Everbright Bank Company Limited 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通知的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本通知全部或任何部份內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 茲通知中國光大銀行股份有限公司（「本公司」）謹訂於2025年11月14日（星期五）下午3時正 於中國北京市西城區太平橋大街25號中國光大中心A座三樓會議室舉行2025年第三次臨時 股東大會（「臨時股東大會」），考慮並酌情通過下列決議案： 普通決議案 - 1 - 1. 關於為關聯法人光大證券股份有限公司核定綜合授信額度的議案 2. 關於為關聯法人中國光大控股有限公司核定授信額度的議案 3. 關於選舉中國光大銀行股份有限公司第十屆董事會非執行董事的議案 3.1 選舉吳利軍先生為非執行董事 3.2 選舉崔勇先生為非執行董事 3.3 選舉趙晶晶女士為非執行董事 3.4 選舉姚威先生為非執行董事 3.5 選舉張銘文先生為非執行董事 3.6 選舉李巍先生為非執行董事 中國光大銀行股份有限公司 董事會 6818 2025年第三次臨時股東大會通 ...

Core Insights - Recent adjustments in credit card installment business rules by several banks, including Industrial and Commercial Bank of China (ICBC) and China Everbright Bank, have raised significant market attention regarding the implications for the industry [1][4][7] Group 1: Changes in Credit Card Installment Services - China Everbright Bank announced the discontinuation of its "self-selected installment" feature effective December 9, 2025, which previously allowed automatic installment for all transactions over 100 RMB or 20 USD/EUR into 12 monthly payments with fees ranging from 0.5% to 0.8% [1][4] - ICBC will stop offering installment options longer than 36 months starting December 5, 2023, eliminating the previous 48 and 60-month options while retaining 1-36 month choices for new transactions [4][5] - Longjiang Bank had already ceased its credit card flexible installment service earlier in June 2023, indicating a broader trend across various types of banks [7] Group 2: Industry Implications and Consumer Impact - The adjustments are driven by the need to adapt to current market conditions, as long-term installment options have contributed to credit card risk, and the shift aligns with deepening financial consumer protection principles [7][8] - Analysts suggest that these changes may lead to a short-term loss of credit card installment business and a slowdown in installment fee growth, but they are expected to promote a transformation in credit card services towards higher quality [7][8] - The reduction in long-term installment options encourages consumers to reassess their spending habits and manage their debt more responsibly, fostering a healthier credit culture [7][8] Group 3: Rising Credit Card Delinquency Rates - The People's Bank of China reported that the total amount of credit card loans overdue for more than six months reached 123.964 billion RMB by the end of 2024, marking a 26.31% year-on-year increase [8] - The market has seen a significant rise in the transfer of non-performing loans, with a 190.46% year-on-year increase in the first quarter of 2023, particularly in credit card non-performing loans, which surged by 879.25% [8] - Major banks, including China Construction Bank and China Everbright Bank, have been actively transferring non-performing credit card loans, indicating a critical need for banks to manage their credit risk more effectively [8]

Core Insights - The People's Bank of China announced the winners of the 2024 Financial Technology Development Award, representing the highest honor in the financial industry for technological achievements [1] - A total of 290 awards were given, with 115 awards going to various banking institutions, showcasing the technological capabilities and innovations in the financial sector [1][2] Summary by Category Award Distribution - The awards included 1 special award, 18 first prizes, 103 second prizes, 148 third prizes, and 20 "Micro-Innovation Awards" [1] - Among the 18 first prizes, banking institutions secured 9, with the Industrial and Commercial Bank of China being the only institution to win two first prizes [2] Focus Areas of Winning Projects - Winning projects primarily revolved around large-scale "hard technology" infrastructure, such as AI-driven risk detection platforms and core banking system transformations [2] - Notable projects included the Agricultural Bank's enterprise-level architecture, the Industrial Bank's AI security platform, and the China Bank's IT architecture transformation [2] Emphasis on AI and Innovation - The term "intelligent" appeared 67 times, "AI" 15 times, and "large model" 28 times in the context of the awarded projects, indicating a strong focus on AI technologies [3] - Smaller financial institutions also performed well, with several projects focusing on specific business scenarios enhanced by AI, such as intelligent credit risk management and customer service systems [4] Performance of Smaller Institutions - Smaller banks like Qingdao Bank and Hunan Bank received multiple awards for projects aimed at intelligent product management and credit risk transformation [4] - The Gansu Rural Credit Cooperative was highlighted for its focus on intelligent customer service and risk control platforms, showcasing the innovation potential of smaller financial entities [4]

Core Viewpoint - The A-share market experienced a widespread decline in bank stocks, with notable drops in several major banks [1] Group 1: Market Performance - Shanghai Pudong Development Bank saw a decline of over 5% [1] - Other banks such as Minsheng Bank, Chongqing Rural Commercial Bank, Xi'an Bank, Jiangyin Bank, Jiangsu Bank, Zhangjiagang Bank, Shanghai Bank, Everbright Bank, Wuxi Bank, Bank of Communications, and China Construction Bank all experienced declines of over 1% [1]

Core Viewpoint - The credit card business of commercial banks is entering a critical phase of stock competition and deep transformation, with several banks adjusting their installment business rules, raising market concerns [1][2]. Group 1: Industry Adjustments - On October 22, Everbright Bank announced it will officially discontinue the "self-selected installment" service starting December 9, 2025, affecting all credit cards that had this feature activated before that date [1]. - Industrial and Commercial Bank of China (ICBC) will optimize the installment periods for credit card bill installments and consumption transfers, ceasing long-term installment services exceeding 36 months, effective December 5, 2025 [1]. - The concentrated actions of multiple banks outline a clear trajectory of industry adjustments [1]. Group 2: Factors Driving Changes - Regulatory requirements are compelling banks to adjust installment business rules, ensuring compliance and preventing excessive credit issuance [2]. - Banks aim to optimize credit structures and control financial risks, as rising credit card delinquency rates necessitate adjustments in installment fees, terms, and entry thresholds [2]. - The need for sustainable development is pushing banks to shift from aggressive growth strategies to refined calculations of funding, operations, and risk costs [2]. - The adjustments are intended to reshape customer relationships, moving from a reliance on installment fees to enhancing customer loyalty through diversified services [2]. Group 3: Impacts on Banks and Customers - In the short term, banks may face challenges such as slowed growth in installment business scale and direct impacts on fee income [3]. - Long-term benefits include improved asset quality and a shift towards digital and refined customer operation models [3]. - Customers with lower credit qualifications may experience tighter installment qualifications and reduced favorable rates, while overall transparency in installment costs and repayment terms is expected to improve [3]. Group 4: Recommendations for Banks - Banks are encouraged to integrate financial services deeply into diverse consumption scenarios, moving beyond traditional "payment + installment" frameworks [4]. - Enhancing digital service experiences through financial technology and personalized services is recommended, utilizing big data and AI for better risk pricing [4]. - Innovation in products and models is essential, with flexible installment options and increased customer autonomy in repayments [4]. - Ongoing customer education on financial knowledge and responsible borrowing is crucial to foster a rational consumption mindset [4].

Core Viewpoint - The credit card business of commercial banks is entering a critical phase of stock competition and deep transformation, with multiple institutions adjusting their installment business rules, raising market attention [1][2]. Group 1: Industry Adjustments - On October 22, Everbright Bank announced it will officially discontinue the "self-selected installment" service starting December 9, 2025, affecting previously activated accounts but not impacting outstanding installment transactions [1]. - Industrial and Commercial Bank of China (ICBC) will optimize its credit card installment and consumption transfer installment services, ceasing long-term installment options exceeding 36 months, effective December 5, 2025 [1]. - The concentrated actions of various banks outline a clear trajectory of industry adjustments [1]. Group 2: Factors Driving Changes - Regulatory requirements are compelling banks to adjust installment business rules, ensuring compliance and preventing excessive credit issuance [2]. - Banks aim to optimize credit structures and control financial risks, as rising credit card delinquency rates necessitate adjustments in installment fees, terms, and entry thresholds [2]. - The need for sustainable development is pushing banks to shift from aggressive growth strategies to refined financial management and pricing strategies [2]. - The adjustments are intended to reshape customer relationships, moving from a reliance on installment fees to enhancing customer loyalty through diversified services [2]. Group 3: Impacts on Banks and Customers - In the short term, banks may face challenges with slowed growth in installment business and reduced fee income, but long-term benefits include improved asset quality and a shift towards digital and refined customer operations [3]. - Customers with weaker credit profiles may experience tighter installment qualifications and reduced favorable rates, while overall transparency in installment costs and repayment terms is expected to improve [3]. - The credit card business is transitioning from a focus on scale expansion to a more detailed approach, evolving into a comprehensive financial service platform [3]. Group 4: Recommendations for Banks - Banks are encouraged to integrate financial services deeply into diverse consumption scenarios, providing comprehensive solutions that combine payment, installment, and benefits [4]. - Enhancing digital service capabilities through financial technology, utilizing big data and AI for personalized service, and implementing differentiated risk pricing are recommended [4]. - Innovation in products and models, such as flexible installment options and customer education on rational borrowing, is essential for improving customer experience and maintaining profitability [4].

证券时报•数据宝统计显示，光大银行今日收盘价为3.53元，平盘报收，日换手率为0.96%，成交额为 15.67亿元，全天主力资金净流出3672.18万元，近5日该股累计上涨1.73%，近5日资金合计净流出 7732.68万元。 两融数据显示，该股最新融资余额为19.75亿元，近5日减少3307.14万元，降幅为1.65%。（数据宝） 10月27日光大银行大宗交易一览 | 成交量 | 成交金 | 成交价 | 相对当日 | | | | --- | --- | --- | --- | --- | --- | | （万 | 额 | 格 | 收盘折溢 | 买方营业部 | 卖方营业部 | | | （万 | | 价 | | | | 股） | 元） | （元） | （%） | | | | 668.00 | 2591.84 | 3.88 | 9.92 | 兴业证券股份有限公司青岛 | 国泰海通证券股份有限公司青岛南京路 | | | | | | 分公司 | 证券营业部 | 注：本文系新闻报道，不构成投资建议，股市有风险，投资需谨慎。 （原标题：光大银行10月27日大宗交易成交2591.84万元） 光大银行10月27日大宗交易平台 ...