Core Viewpoint - Under the dual background of deepening transformation in retail banking and the increasing demand for wealth management among residents, the company actively practices a customer-centric service philosophy, aiming to provide more intelligent and personalized wealth management services, thereby injecting strong momentum into family wealth preservation and appreciation [1]. Group 1: Wealth Management Features - The company focuses on creating value for customers by building a distinctive "Sunshine Wealth" brand, emphasizing three main features: a wide range of quality products, strong innovation, and excellent service, which form a differentiated competitive advantage [1]. - The company has developed a robust and diverse product matrix, covering cash, fixed income, fixed income+, mixed, and equity products, continuously enriching the types of "fixed income+" products [1]. - Recent innovations include a new model for regular investment in wealth management, offering targeted investment products that lock in income goals, popular investment products, and stable income products [1]. Group 2: Product Management and Risk Control - The company has established a comprehensive product management system covering the entire lifecycle of wealth management products, ensuring integrated processes and refined management [2]. - Strict product risk rating standards are in place, evaluating investment targets, return structures, and risk characteristics to ensure product quality and safety from the source [2]. - Real-time monitoring of product performance is conducted, with automatic alerts for abnormal fluctuations, allowing for immediate adjustments to investment strategies and enhanced risk warnings [2]. Group 3: Technological Empowerment and Service Efficiency - The company is advancing intelligent service upgrades, integrating cloud consulting, cloud review, and cloud companionship into its services [3]. - Over 5,000 wealth managers have access to a digital platform that allows them to share investment knowledge and market dynamics, providing real-time, personalized services to clients [3]. - The company aims to continuously enhance the competitiveness of its products and services by exploring diverse service models that align with customer lifestyles, while strengthening the integration of technology and business [3].

以为客户创造价值为出发点，光大银行聚焦构建"阳光财富"特色品牌，着力打造理财业务"精品多、创 新强、服务好"三大特色，形成了差异化的竞争优势。 江南时报讯 近日，中国光大银行发布2025年半年度报告。报告显示，截至6月末，光大银行零售资产管 理规模（AUM）达3.10万亿元，客户规模达1.6亿户。在银行零售业务转型深化与居民财富管理需求不 断升级的双重背景下，光大银行积极践行"以客户为中心"的服务理念，锚定AUM北极星指标，通过发 挥财富管理特色、精益产品管理能力、提升科技赋能质效，为客户提供更加智能化、个性化的财富管理 服务，为家庭财富保值增值注入强劲动力。 财富管理特色鲜明，满足多元化财富管理需求 精品多：光大银行充分发挥"阳光金选"选品特色，打造稳健多元的理财产品矩阵。构建覆盖现金、固 收、固收+、混合、权益的全品类产品货架，并不断丰富"固收+"产品类型，建立包含"REITS+、转债 +、量化+、红利+、价值+、多元+、结构+"7项多资产多策略工具的"7+"产品体系，帮助客户增强收益 弹性，提升财富管理收入水平。 光大银行积极推进智能化服务升级，视频云柜台实现"云咨询+云审核+云陪伴"一体化服务；数字人 ...