CEB BANK(SH:601818) Jin Rong Shi Bao·2025-09-08 02:03Core Viewpoint - Everbright Bank is increasing credit support and implementing central policies to boost personal consumption loans, with preparations nearly complete for the launch of related functions [1] Group 1: Financial Performance - In the first half of the year, Everbright Bank achieved a net profit attributable to shareholders of 24.622 billion yuan, a year-on-year increase of 0.55% [1] - The bank's asset quality remains stable, with a non-performing loan ratio of 1.25%, unchanged from the beginning of the year [1] - Retail business has shown steady growth through cost control and specialized operations [1] Group 2: Retail Deposit Strategy - Everbright Bank has implemented four measures to enhance retail deposits, achieving both volume and price optimization [2] - The cost of retail deposits has improved by 49 basis points over the past three years, leading the industry [2] - The average daily deposit growth rate reached 6.7% in the first half of the year, with retail loan-to-deposit spreads performing well [2] Group 3: Wealth Management and Customer Service - The bank's "Sunshine Wealth" brand has grown its assets under management (AUM) to nearly 3.1 trillion yuan, with personal wealth management revenue increasing by 6.1% year-on-year [2] - Everbright Bank serves nearly 160 million retail customers, with digital investment advisory services reaching 1.5 million clients [2] - The bank's wealth management product scale reached 1.8 trillion yuan, generating 19.1 billion yuan in customer returns in the first half of the year [2] Group 4: Consumer Promotion Initiatives - The bank is focusing on expanding consumption scenarios, particularly in tourism and trade-in services, to enhance service coverage [3] - Efforts will be made to improve financial service quality, including enhancing payment security and optimizing customer service capabilities [3]