中国光大银行股份有限公司董事会议事规则 （2025 年修订稿） 第一章 总则 第一条 为建立完善的公司治理结构，规范中国光大银行股份有限公司（简 称本行）董事会的决策行为，保障董事会决策合法化、科学化、制度化，根据《中 华人民共和国公司法》（简称《公司法》）《中华人民共和国证券法》（简称《证券 法》）《中华人民共和国商业银行法》《上市公司治理准则》《上市公司章程指引》 《银行保险机构公司治理准则》《中国光大银行股份有限公司章程》（简称本行《章 程》）及其他有关法律、法规、规章和规范性文件的规定，特制定本规则。 第二条 董事会对股东会负责。董事会应遵守《公司法》《证券法》等法律、 法规、规章、规范性文件、本行《章程》和本规则的规定，履行其职责。 第二章 董事会的构成 第三条 董事会的董事成员不少于十一人，不超过十九人，其中独立董事不 少于全体董事人数的三分之一，设董事长一人，副董事长一人，董事会成员中至 少包括一名职工董事。董事长和副董事长由全体董事的过半数选举产生和罢免。 董事可以由行长或者其他高级管理人员兼任，但兼任行长或者其他高级管理 人员职务的董事以及由职工代表担任的董事，总计不得超过全体董事人数的三分 ...

股票代码：601818 股票简称：光大银行 公告编号：临2025-061 中国光大银行股份有限公司 关联交易公告 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。 重要内容提示： 交易简要内容 中国光大银行股份有限公司（简称本行）拟同意新光大中心项 目回表处置方案。新光大中心项目分别于 2015 年 6 月及 2016 年 11 月投放，为资管新规 1前的理财存量资产，融资方为项目公司北京华 恒兴业房地产开发有限公司（简称华恒兴业）和北京华恒业房地产 开发有限公司（简称华恒业），资金用于通州新光大中心项目建设。 增信方式主要包括土地及建筑物抵押、项目公司股权质押等，抵押 物评估价值约 76 亿元。截至本公告披露日，项目余额 38.24 亿元 （其中，一期项目余额 25 亿元、二期项目余额 13.24 亿元）。项目 此前已履行有关关联交易的信息披露义务。本次回表为落实监管要 求，不涉及新增授信，保持原有业务结构，融资利率执行原合同约 定。 1 "资管新规"指《关于规范金融机构资产管理业务的指导意见》。 本行拟同意新光大中心项目回表处 ...

近日，本行收到《国家金融监督管理总局关于光大银行修改公司 章程的批复》（金复〔2025〕726 号），国家金融监督管理总局已于 2025 年 12 月 16 日核准本行对《公司章程》的修订。修订后的《公司章程》 及其附件《中国光大银行股份有限公司股东会议事规则》《中国光大 银行股份有限公司董事会议事规则》请见上海证券交易所网站 （www.sse.com.cn）和本行网站（www.cebbank.com）。 根据《关于中国光大银行股份有限公司不再设立监事会的议案》， 本行自《公司章程》核准生效之日起不再设立监事会，监事会相关制 度同时废止，由董事会审计委员会行使法律法规规定的监事会职权。 吴俊豪先生、乔志敏先生、陈青女士、尚文程先生、杨文化先生及卢 健先生不再担任监事会及其专门委员会职务，并确认其与本行无不同 意见，亦无任何其他事项需要通知本行股东。本行对各位监事在任职 期间做出的贡献表示感谢。 中国光大银行股份有限公司 关于公司章程修订核准及不再设立监事会的公告 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。 中国光大银行股份有 ...

中国光大银行股份有限公司 第十届董事会第二次会议决议公告 股票代码：601818 股票简称：光大银行 公告编号：临 2025-060 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）第十届董事会第二次会 议于2025年12月12日以书面形式发出会议通知，并于2025年12月19 日在中国光大银行总行以现场会议方式召开。本次会议应出席董事14 名，亲自出席董事12名，张铭文、李巍董事以视频方式参会；委托出 席董事2名，崔勇副董事长、黄志凌董事因其他公务分别委托郝成董 事、黄振中董事代为出席并行使表决权。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。 本次会议由吴利军董事长主持，审议并通过以下议案： 一、关于《中国光大银行股份有限公司预期信用损失法实施情况 及2025年下半年模型参数优化更新的报告》的议案 表决情况：有效表决票14票，同意14票，反对0票，弃权0票。 二、关于修订《中国光大银行股份有限公司洗钱风险管理政策》 的议案 表决情况：有效表决票14票，同意1 ...

光大银行公告称，拟同意新光大中心项目回表处置方案，项目余额38.24亿元（一期25亿元、二期13.24 亿元）。该项目为资管新规前理财存量资产，融资方为华恒兴业和华恒业，抵押物评估约76亿元。华恒 兴业、华恒业为光大集团间接控制法人，本次交易构成关联交易，但不构成重大资产重组。交易已获董 事会审议批准，对银行经营及财务状况无重大影响。 ...

Group 1 - The core viewpoint of the articles highlights a significant increase in the transfer of non-performing retail assets by banks as they approach year-end, driven by financial optimization and risk clearance [1][2] - The number of non-performing asset packages listed for transfer has surged, with over 30 announcements made in just two days, indicating a rapid acceleration in the pace of asset disposals by major banks [1][2] - Retail non-performing loans have become the primary type of assets being transferred, as banks aim to optimize year-end financial statements by reducing non-performing loan ratios and improving capital indicators [2][3] Group 2 - The trend of transferring retail non-performing assets is supported by data showing a 761.4% year-on-year increase in the scale of personal non-performing loan batch transfers, with personal consumption loans making up over 70% of these transfers [2] - The current phase of retail banking is characterized by a shift from rapid expansion to structural adjustment and refined management, with a focus on high-quality customer operations and wealth management [3][4] - Experts predict that the wave of non-performing loan disposals may continue until mid-2026, with an expected increase in the scale of disposals and a shift towards regional small and medium-sized banks as the primary entities involved [3]

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

Core Insights - The personal pension contribution window is nearing its end, leading to a competitive "battle" among banks to attract funds for personal pension accounts [1][3] - Banks are shifting their marketing focus from merely acquiring new accounts to enhancing customer retention and encouraging actual fund contributions [3][5] Group 1: Marketing Strategies - Various banks, including state-owned and joint-stock banks, are launching diverse promotional activities such as tiered discounts and 100% winning lotteries to attract customers for personal pension account openings and contributions [3][4] - The promotional strategies are characterized by tiered and differentiated offerings, catering to different customer segments based on their contribution capabilities [4][5] - For instance, Bank of China offers multiple rewards for different contribution levels, while Industrial and Commercial Bank of China has introduced dual promotional activities for first-time account holders [4][5] Group 2: Tax Benefits and Investor Appeal - The core appeal of personal pensions lies in their triple tax benefits: tax deductions during contributions, tax exemptions on investment gains, and preferential tax treatment upon withdrawal [6][8] - Discussions on social platforms regarding tax savings and the benefits of personal pensions are increasing, indicating heightened investor interest [7] - Investors are encouraged to integrate personal pensions into their overall financial planning, recognizing their importance in long-term retirement savings [8] Group 3: Industry Trends and Recommendations - Analysts suggest that the banking industry is transitioning from a "land grab" approach to a more refined strategy focused on enhancing account activity and fund retention [5][9] - To address the issue of high account openings but low contributions, banks should innovate beyond simple incentives, incorporating features like automatic contributions and personalized retirement planning services [9] - There is a call for banks to integrate pension accounts with broader life management services, creating comprehensive solutions that enhance long-term customer engagement and account value [9]

Core Insights - The banking sector saw a rise of 1.76% on December 18, with Industrial Bank leading the gains [1] - The Shanghai Composite Index closed at 3876.37, up 0.16%, while the Shenzhen Component Index closed at 13053.98, down 1.29% [1] Stock Performance - Industrial Bank (601166) closed at 20.94, up 2.25% with a trading volume of 670,000 shares and a transaction value of 1.389 billion [1] - Other notable performers include: - Shanghai Pudong Development Bank (600000) at 11.78, up 2.08% [1] - China Merchants Bank (600036) at 42.37, up 2.05% [1] - CITIC Bank (601998) at 7.51, up 1.76% [1] - The overall trading volume and transaction values for various banks indicate active market participation [1] Fund Flow Analysis - The banking sector experienced a net inflow of 309 million from institutional investors, while retail investors saw a net outflow of 118 million [1] - Detailed fund flow for key banks includes: - Industrial Bank had a net inflow of 101 million from institutional investors [2] - China Everbright Bank (601818) saw a net inflow of 63 million from institutional investors [2] - Shanghai Pudong Development Bank had a net inflow of 46 million from institutional investors [2] - Retail investors showed significant outflows across most banks, indicating a cautious sentiment among smaller investors [2]