登录新浪财经APP 搜索【信披】查看更多考评等级 股票代码：601818 股票简称：光大银行 公告编号：临2025-052 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、重要提示 （一）本行董事会、监事会以及董事、监事、高级管理人员保证本季度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 （二）本行于2025年10月30日召开第九届董事会第三十三次会议，审议通过了《2025年第三季度报 告》。会议应出席董事16名，实际出席董事16名。 （三）本行董事长吴利军、行长郝成、副行长及首席财务官刘彦、财务会计部总经理卢健保证本报告中 财务信息的真实、准确、完整。 （四）本报告中的财务报表按照中国企业会计准则编制且未经审计。 （五）本报告除特别说明外，金额币种为人民币。 （六）本报告中"本行""全行"指中国光大银行股份有限公司；"本集团"指中国光大银行股份有限公司及 其子公司。 二、基本情况 （一）本行简介 本行成立于1992年8月，是经国务院批复并经中国人民银行批准设立的全国性股份 ...

Core Insights - China Everbright Bank reported a net profit of 24.74 billion yuan for the first half of 2025, reflecting a year-on-year growth of 0.5% despite challenges such as declining asset yields and rising market interest rates [1] - The bank's total assets reached 7,238.6 billion yuan, marking a 4.0% increase from the end of the previous year, with total loans growing by 3.8% to 4,084.1 billion yuan [2] - The bank emphasized its commitment to serving the real economy, with significant growth in technology finance, green finance, inclusive finance, and pension finance [3][4] Financial Performance - Operating income for the first half of 2025 was 65.92 billion yuan, with a net interest margin of 1.40%, unchanged from the first quarter [1] - The bank's non-performing loan ratio stood at 1.25%, consistent with the end of the previous year, while the provision coverage ratio was 172.47% [1] - Total liabilities increased by 4.3% to 66,414 billion yuan, with deposits growing by 5.4% to 42,532 billion yuan [2] Business Development - The bank established 16 "Science and Technology Financial Centers" and created 64 specialized institutions for technology finance, with loans to tech enterprises reaching 417 billion yuan, a 9.9% increase [3] - Green loans amounted to 464.1 billion yuan, up 12.4%, while inclusive loans for small and micro enterprises grew by 4.0% to 452.7 billion yuan [3] - The bank launched various initiatives to support small and micro enterprises, including a credit issuance of 282.9 billion yuan to 33,000 enterprises [4] Strategic Initiatives - The bank issued seven national first batch of technology innovation bonds and supported real estate financing with 1,134 billion yuan disbursed across 343 projects [4] - The bank's wealth management segment saw the launch of new products, achieving a management scale of 1.80 trillion yuan [5] - The bank is focused on enhancing its digital financial services, with significant engagement in supply chain finance and international settlement solutions [5] Future Outlook - The bank aims to leverage its unique operational characteristics and comparative advantages to drive high-quality development while serving the real economy and social welfare [6]

报告显示，2025年上半年，光大银行将服务实体经济作为出发点和落脚点，科技金融方面，推动16 家分行设立"科创金融中心"，创设64家科技金融专营机构，科技型企业贷款余额4170亿元，比上年末增 长9.9%。绿色金融方面，持续推进体系建设、产品创新、服务升级，做好传统行业绿色低碳转型支 持，绿色贷款余额4641亿元，比上年末增长12.4%。普惠金融方面，深化落实小微企业融资协调工作机 制，打造"3+1+N"线上化产品体系，拓展小微企业"信贷+"服务，普惠贷款余额4527亿元，比上年末增 长4.0%。养老金融方面，发挥协同服务优势，打造"和光颐享"品牌，累计提供830余支养老金融产品， 养老金融专区累计服务客户260万人次，养老产业贷款余额较上年末增长30%。 光大银行积极服务经济社会发展大局，推动"一揽子"金融政策落地见效。一是用好用足科技创新、 设备更新、消费与养老再贷款等政策工具，发行7单全国首批科技创新债券，成功落地股票回购增持贷 款业务。二是大力支持民营小微融资，发布"服务民企光大行"行动方案，制造业中长期贷款、战略性新 兴产业贷款分别增长7.6%、19.1%。落实小微企业融资协调机制，为推荐清单内3. ...