在供暖季来临之际，"光大云缴费"推出"暖心早缴 惠享冬日"优惠活动，为客户送上暖心福利。活动特 别设置"早鸟优惠"和"阶梯立减"机制，客户可通过云缴费App或官方微信小程序缴纳供暖费，早缴费 享"早鸟优惠"，单笔缴费金额满1000元、2000元、3000元即有机会享18.8至888元随机立减优惠。 江南时报讯 9月起，我国北方部分地区将陆续进入供暖季。冬季供暖涉及千家万户，事关百姓冷 暖。中国光大银行积极打造"光大云缴费"数字便民缴费平台，为百姓提供便捷、高效、安全的线上供暖 费代收服务，以数字技术保障供暖温度。 供暖费是北方地区冬季重要民生缴费服务项目，具有覆盖面广、缴费期集中等特点。目前，"光大云缴 费"供暖缴费代收服务已实现北方供暖区域全覆盖，同时供暖缴费代收服务已输出至微信、支付宝等多 个主流平台，方便用户通过多种渠道轻松缴费。 (宁光宣) 此外，云缴费App和官方小程序均已上线北京市供暖费电子发票功能，并已推广至微信生活缴费服务。 用户完成缴费后，填写发票抬头、税号、电子邮箱等信息，即可在线申请电子发票，有效提升用户体 验。 ...

Core Viewpoint - China Everbright Bank has been focusing on customer-centric digital financial services since 2025, integrating digital technology into business innovation and operations, particularly through platforms like "Everbright Cloud Payment," mobile banking, and "Xinyue Tong" [1] Group 1: Digital Financial Services - "Everbright Cloud Payment" has served over 2.3 billion users by the end of August 2025, with more than 19,000 payment collection projects integrated and over 500 new rural payment service projects launched [2] - The bank has expanded its non-tax collection services to cover 30 provinces and personal social security collection services to 28 provinces, enhancing the payment experience for elderly customers through a dedicated social security payment mini-program [2] - The platform offers a one-stop service combining payment convenience with wealth management products, including investment, insurance, and loans [2] Group 2: Mobile Banking Enhancements - Everbright Mobile Banking has over 68 million registered users and has strengthened its wealth management features in 2025, introducing various investment options and improving the user experience for fund purchases and loan selections [3][4] - The mobile banking platform has launched cross-border financial services, including personal asset certification and international remittance services in multiple currencies, catering to diverse customer needs [4] Group 3: Support for Corporate Digital Transformation - "Xinyue Tong" platform aids corporate digital transformation by providing comprehensive payroll services, significantly improving efficiency for large enterprises [5] - The bank has collaborated with major platforms like Meituan to offer enhanced employee benefits and digital management services, supporting businesses in their digitalization efforts [5] - In the real estate sector, the bank has established partnerships with local housing authorities to ensure secure transactions and smooth processes for home buyers and sellers [5] - The bank aims to continue advancing its digital transformation and expanding its digital financial product offerings to better serve social welfare and the real economy [5]

Core Viewpoint - China Everbright Bank emphasizes its commitment to serving the real economy and achieving high-quality development, guided by Xi Jinping's thoughts and the central government's policies [1] Group 1: Financial Services to the Real Economy - The bank focuses on five key areas of financial services, including technology finance, green finance, inclusive finance, pension finance, and digital finance, with significant growth in loans and services across these sectors [2] - Technology finance initiatives include the establishment of 16 innovation centers and a loan balance of 417 billion yuan, up 9.9% year-on-year [2] - Green finance efforts have led to a loan balance of 464.1 billion yuan, reflecting a 12.4% increase from the previous year [2] - Inclusive finance has seen a loan balance of 452.7 billion yuan, growing by 4.0% year-on-year, while pension finance has expanded with a 30% increase in loans [2] Group 2: Implementation of Financial Policies - The bank actively implements a comprehensive financial policy to support economic development, including issuing innovative bonds and enhancing support for small and micro enterprises [3] - Loans to the manufacturing sector and strategic emerging industries have increased by 7.6% and 19.1%, respectively [3] - The bank has approved 343 real estate projects, providing 113.4 billion yuan in financing to stabilize the real estate market [3] - Consumer finance initiatives aim to boost consumption, with new personal loan products and a focus on enhancing consumer financial supply [3] Group 3: Business Performance and Financial Metrics - As of June 30, the bank's total assets reached 7.2386 trillion yuan, a 4.0% increase from the previous year, with total loans of 4.0841 trillion yuan, up 3.8% [4] - The bank reported a net profit of 24.74 billion yuan, a 0.5% year-on-year growth, despite challenges such as declining asset yields and rising market interest rates [4] - The bank's deposit balance increased by 5.4% to 4.2532 trillion yuan, with an improved cost of deposits [4] Group 4: Development of Specialized Businesses - The bank is developing specialized financial services, including technology finance products and wealth management services, with a total asset management scale of 1.8 trillion yuan [6] - The bank has maintained a leading position in digital payment services, with significant project engagement and platform collaborations [6] - The bank's comprehensive financing scale reached 5.41 trillion yuan, with retail asset management at 3.1 trillion yuan [6] Group 5: Asset Quality and Capital Adequacy - The bank's non-performing loan ratio remains stable at 1.25%, with a provision coverage ratio of 172.47% [7] - Capital adequacy ratios are compliant with regulatory requirements, with a total capital adequacy ratio of 13.53% [7] - The bank continues to focus on high-quality development while serving the real economy and social welfare [7]

Core Viewpoint - Everbright Bank aims to enhance sustainable development capabilities through cost reduction, quality improvement, and efficiency enhancement, alongside increasing credit investment and project reserves [1] Group 1: Management Changes - Yao Hongyu, General Manager of the Transaction Banking Department and International Business Department, is proposed to be appointed as Vice President of Everbright Hong Kong [1] - Liu Yanhua, Deputy General Manager of the Human Resources Department, is proposed to be appointed as a committee member and Deputy General Manager of Everbright Cloud Payment Company [2] - Zhang Jianing, Deputy General Manager of Retail and Wealth Management Department, is appointed as Deputy General Manager of Digital Finance/Cloud Life Division [2] - Shi Li, Deputy General Manager of the Financial Technology Department, is proposed to be appointed as Deputy General Manager of the Credit Card Center [3] Group 2: Business Performance and Strategy - Everbright Bank plans to increase loans to technology enterprises by over 20%, green finance loans by over 15%, and inclusive finance loans by over 10% by the end of 2024 [4] - The bank aims to boost housing loans, personal consumption loans, and personal business loans to meet residents' housing needs [4] - In Q1, Everbright Bank reported operating income of 33.09 billion yuan, a year-on-year decrease of 4.1%, with intermediary business income of 5.68 billion yuan, showing a year-on-year increase of 3.3% [4] - For 2025, the bank plans to continue promoting high-quality development and enhancing profitability despite external challenges [4]

Core Insights - The 14th China (Guangzhou) International Financial Trading Expo, themed "Financial Power to Expand Domestic Demand and Drive New Industrial Patterns," showcases financial innovations in the Guangdong-Hong Kong-Macao Greater Bay Area and offers practical benefits to citizens [1] Group 1: Event Overview - The expo spans three days and features 312 financial institutions across 20,000 square meters, with eight major thematic exhibition areas [1] - The event highlights the integration of finance with daily life, including digital RMB consumption and gold jewelry discounts [1] - Five new financial platforms were launched, including the Guangzhou Financial Strong City Construction Think Tank Alliance and the Digital RMB "Guangxin Yu" platform [1] Group 2: Financial Institutions' Contributions - Everbright Bank's Guangzhou branch showcased its initiatives focused on enhancing people's livelihoods and promoting consumption through unique financial products [1] - Everbright Cloud Payment, a representative service of Everbright Bank, has connected over 18,000 payment service projects and is expected to serve nearly 3.4 billion people in 2024 [2] - Industrial Bank's Guangzhou branch signed a cooperation agreement with Guangzhou Yiyun Supply Chain Technology Co., aiming to accelerate the construction of the Yiyun Innovation Center and has already provided 270 million yuan in financing [3] Group 3: Financial Innovations and Services - Ping An Bank's Guangzhou branch presented its innovative achievements in serving the real economy and enhancing citizens' quality of life through interactive and educational formats [4] - The expo has facilitated over 5.8 trillion yuan in industrial-financial connections over its 13-year history, attracting 1.14 million visitors [5] - The event combines "hard power" displays with "soft service" implementations, showcasing the financial sector's support for the real economy and allowing citizens to experience the benefits of financial development [5]

在科技金融领域，搭建"1+16+100"的科技金融专业化组织体系，推出"专精特新企业贷"等特色产品，科 技型企业贷款余额3795.26亿元，增速42.06%； 在绿色金融领域，完善绿色业务支持政策，打造分层、分级、分群的"绿色金融+"综合服务体系，绿色 贷款余额4424.43亿元，增速41.01%； 聚精会神 书写金融高质量发展新篇章 2024年，光大银行深入贯彻党中央、国务院决策部署，坚决落实中央金融工作会议精神，做好科技金 融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"。 在普惠金融领域，聚焦科技创新、专精特新、制造业等重点领域小微企业，优化产品服务，倾斜金融资 源，激发经营主体发展动能，普惠型小微企业贷款余额4354.43亿元，增速14.85%； 在养老金融领域，构建养老金融"12345"工程，围绕养老金金融、养老服务金融、养老产业金融三大业 务板块，按年龄划分四类重点客群，提升养老客群的获得感和满意度，全行1500余家网点已完成适老化 改造； 近日，中国光大银行（601818）发布2024年社会责任（环境、社会及治理）报告。报告全面回顾了2024 年光大银行在响应国家战略、支持实体经济、服务 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 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。 一、触发情形及审议程序 经中国光大银行股份有限公司（简称本行）第九届董事会第二十六次会议审议通过，本行制定发布了 《中国光大银行股份有限公司估值提升计划》。本行积极响应上海证券交易所"提质增效重回报"行动倡 议，持续提升本行投资价值和股东回报能力，相关估值提升计划亦为本行"提质增效重回报"行动方案。 本行估值提升计划暨"提质增效重回报"行动方案（简称估值提升计划）具体内容如下： （一）触发情形 根据《上市公司监管指引第10号一一市值管理》相关规定，股票连续12个月每个交易日收盘价均低于其 最近一个会计年度经审计的每股归属于公司普通股股东的净资产的上市公司，应当制定上市公司估值提 升计划，并经董事会审议后披露。 2024年1月1日至2024年12月31日，本行股票已连续12个月每个交易日收盘价均低于本行最近一个会计年 度经审计的每股归属于本行普通股股东的净资产，即2024年1月1日至2024年3月27日每个交易日股票收 盘价均低于20 ...

Core Viewpoint - The performance report of Everbright Bank for 2024 highlights a slight decline in revenue but an increase in net profit, emphasizing the bank's focus on technological innovation and valuation enhancement strategies to attract long-term capital [1][2][7]. Financial Performance - Everbright Bank reported a revenue of 135.42 billion yuan, a year-on-year decrease of 7.0%, but the decline narrowed by 1.7 percentage points compared to the previous three quarters [2]. - The net profit reached 41.91 billion yuan, showing a year-on-year growth of 2.0% and a quarter-on-quarter acceleration of 0.2 percentage points [2]. - Total assets increased to 6.96 trillion yuan, up 186.2 billion yuan or 2.7% from the previous year, with loans totaling 3.93 trillion yuan, a growth of 146.9 billion yuan or 3.9% [2][3]. - The bank's deposit cost improved to 2.18%, a reduction of 14 basis points from the previous year, positively impacting revenue despite a slowdown in loan growth [2]. Credit Support and Strategy - Everbright Bank prioritizes support for the real economy, directing resources towards technology innovation, advanced manufacturing, green development, and small and micro enterprises [3]. - Loans to technology enterprises grew by 42.1%, while loans to strategic emerging industries increased by 45.5% [3]. - The bank plans to allocate over 70% of its corporate credit growth in 2025 to high-quality development in key sectors such as technology and green finance [3]. Technological Innovation - The bank is accelerating its technological financial development, implementing a "Technology Finance 2.0" plan to enhance services for technology enterprises [4][5]. - Digital infrastructure improvements include a nearly 70% cloud application rate and a 47% increase in full-stack cloud computing power [6]. - The bank aims to enhance its data governance and service capabilities, exploring innovative practices in data elements [6]. Valuation Enhancement - Everbright Bank is actively pursuing a valuation enhancement plan, focusing on improving operational management and market recognition [7][8]. - The bank's stable dividend policy has resulted in a cash dividend of 11.167 billion yuan for 2024, with a payout ratio increasing to 30.14% [9][10]. - The bank's stock offers attractive dividend yields, with A-shares at 5% and H-shares exceeding 6%, positioning it favorably compared to fixed-income products [10].

Core Insights - The core viewpoint of the articles is that Everbright Bank has demonstrated significant growth in various financial sectors, emphasizing its commitment to high-quality development and support for key industries and sectors [1][2][3]. Financial Performance - As of the end of 2024, Everbright Bank's total assets reached 6.96 trillion yuan, an increase of 186.2 billion yuan, or 2.7% from the previous year [1]. - The total loan amount was 3.93 trillion yuan, up by 146.9 billion yuan, reflecting a growth of 3.9% [1]. Sector-Specific Growth - In technology finance, the bank's loans to technology enterprises amounted to 379.5 billion yuan, increasing by 112.4 billion yuan, or 42.1% year-on-year [1]. - The green loan balance reached 442.4 billion yuan, with an increase of 128.7 billion yuan, representing a growth of 41.0% [1]. - The inclusive finance loan balance was 435.4 billion yuan, up by 56.3 billion yuan, or 14.9% [2]. Strategic Initiatives - The bank has implemented specialized support measures for key sectors, including technology, green finance, and inclusive finance, to enhance its service offerings [1][2]. - In the area of digital finance, the bank has accelerated the online and mobile transformation of its key business processes, achieving over 900 billion yuan in payment transactions through its "Everbright Cloud Payment" platform, serving nearly 3.4 billion users [2]. Leadership Vision - The Chairman of Everbright Bank, Wu Lijun, emphasized the bank's focus on high-quality development and its commitment to serving the real economy, aiming to translate economic development tasks into high-quality growth momentum [3].

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公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 中國光大銀行股份有限公司 中國光大銀行股份有限公司 China Everbright Bank Company Limited China Everbright Bank Company Limited （於中華人民共和國註冊成立的股份有限公司） （於中華人民共和國註冊成立的股份有限公司） （股份代號：6818） （股份代號：6818） 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條而作出。 茲載列中國光大銀行股份有限公司在上海證券交易所網站刊登的《中國光大銀行股份有限 公司2024年年度報告（A股）》，僅供參閱。 中國光大銀行股份有限公司 董事會 中國 • 北京 2025年3月28日 於本公告日期，本公司執行董事為郝成先生、齊曄女士及楊兵兵先生；非執行董事為吳 利軍先生、崔勇先生、曲亮先生、姚威先生、朱文輝先生、張銘文先生及李巍先生； 以及獨立非執行董事為邵瑞慶先生、 ...