8月29日，光大银行举行2025年中期业绩发布会，光大银行行长郝成携副行长齐晔、杨兵兵、刘彦，首 席风险官马波和董事会秘书张旭阳出席并回答了媒体、分析师和投资者关心的6个问题。 郝成表示，在下一步工作中，光大银行将扎实服务实体经济，积极打造业务特色和发展优势，保持稳中 有进的经营态势，具体将从六方面入手：一是做深做实金融"五篇大文章"，支持实体经济高质量发展； 二是加大信贷投放力度，优化业务结构；三是降低负债成本，促进降本增收；四是打造经营特色，实现 可持续发展；五是深化人工智能应用，增添发展动能；六是坚守合规底线，统筹发展和安全。 同日晚间，光大银行发布2025年半年报显示，截至6月末，该行资产总额 72385.91 亿元，比上年末增加 2795.70 亿元，增长 4.02%；贷款和垫款本金总额 40840.70 亿元，比上年末增加 1501.68 亿元，增长 3.82%；存款余额 42531.82 亿元，比上年末增加 2174.95 亿元，增长 5.39%。 杨兵兵表示，目前光大银行人工智能的算力已经支撑保障了120多个算法模型和840个场景应用。他还透 露，光大银行去年规划设计的"六大助手"，从去年底开 ...

建立一体化培训机制：通过"线上+线下"方式提升信贷人员合规与风险识别能力。线上依托"云端学 习"等平台，提供专业知识、合规操作和风险案例课程；线下定期组织"信贷知识培训班"，邀请讲师传 授经验，累计开展6场培训。 齐鲁晚报.齐鲁壹点李可通讯员刘登胜谢记宽 近年来，郓城农商银行贯彻省联社"高质量发展"要求，将信贷管理作为经营发展重点，以"控风险、提 质效"为导向，通过"强化队伍建设、优化制度流程、深化督导考核"提升信贷资产质量，实现信贷管理 新突破。 强化素质提升，锻造专业团队 完善制度体系：修订《郓城农商银行贷后管理实施细则》，细化贷后检查流程，量化检查频次、内容及 操作要点，实现流程标准化、考核数据化。 实施"双人协同检查"机制：AB岗协同开展贷后检查，交叉验证信贷资金流向、借款人经营状况及担保 有效性，提升风险防控精准度。 贷后管理实行"双线并行"机制：贷后检查中心与支行"双线并行"开展贷后检查，加强对支行的监督，提 升贷后风险预警处置能力。 深化督导考核，激发内生动力 强化流程管控：针对部分客户经理贷后管理不到位问题开展专项检查，现场整改验收并通报责任人，推 动贷后管理责任落实。 推行信贷岗位持证上岗制 ...

Core Viewpoint - China Postal Savings Bank aims to deliver stable and quality performance in its operations, as highlighted in its 2024 annual performance report, marking the first appearance of Chairman Zheng Guoyu since his appointment [1] Financial Performance - In 2024, the bank achieved operating income of 349.13 billion yuan, a year-on-year increase of 1.81%, with net interest income at 286.12 billion yuan, up 1.53%, and a net interest margin of 1.87% [1] - Total profit reached 94.59 billion yuan, reflecting a growth of 3.27% year-on-year [1] Capital Adequacy - As of the end of 2024, the bank's core Tier 1 capital adequacy ratio stood at 9.56%, with Tier 1 capital at 11.89% and total capital at 14.44% [2] - The bank is set to receive 130 billion yuan in special government bonds, which is expected to increase its core Tier 1 capital adequacy ratio by 1.5 percentage points [2] Fundraising and Pricing Strategy - The bank plans to issue A-shares at a price of 6.32 yuan per share, representing a 21.54% premium over the market price as of March 28 [3] - The issuance will not affect the existing shareholders' dividends for 2024, although a short-term dilution effect of approximately 6% on the return on equity is anticipated [3] Interest Margin and Asset Quality - The bank's net interest income growth has slowed to 1.53%, with a net interest margin decrease of 0.14 percentage points to 1.87% [4] - Non-performing loans increased to 80.32 billion yuan, with a notable rise in personal small loans, while the provision coverage ratio decreased to 286.15% [5] Operational Efficiency and Cost Management - The bank's savings agency fees reached 117.81 billion yuan, up 2.51% year-on-year, prompting a strategy to adjust these fees to enhance profitability [6] - Total operating costs, including employee expenses and depreciation, decreased by 0.81% to 106.22 billion yuan [7] Digital Transformation - The bank's technology investment reached 12.30 billion yuan, a 9.03% increase, leading to a monthly active user count of 81.84 million for its mobile banking services [8] - The bank has integrated AI technologies into various operations, significantly improving transaction efficiency and risk management capabilities [9]