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 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、 ...

Core Viewpoint - China Everbright Bank's 2024 annual report highlights its commitment to supporting the real economy, implementing national strategies, and enhancing public welfare, while maintaining a high-quality development trajectory with improved operational efficiency and stable asset quality [1] Group 1: Financial Performance - As of the end of 2024, the total assets of China Everbright Bank reached 69,590 billion yuan, an increase of 1,862 billion yuan, or 2.7% from the previous year [5] - The total loan amount was 39,339 billion yuan, up 1,469 billion yuan, or 3.9%, with loans accounting for 56.5% of total assets, an increase of 0.6 percentage points [5] - The bank achieved an operating income of 1,354.2 billion yuan, a year-on-year decrease of 7.0%, but net profit rose by 2.0% to 419.1 billion yuan, indicating continued positive growth [5] Group 2: Support for Key Sectors - The bank has implemented targeted support measures for key sectors, resulting in significant loan growth in technology, green finance, and inclusive finance [2] - Loans to technology enterprises reached 3,795 billion yuan, increasing by 1,124 billion yuan, or 42.1% [2] - Green loans amounted to 4,424 billion yuan, up 1,287 billion yuan, or 41.0%, while inclusive loans reached 4,354 billion yuan, an increase of 563 billion yuan, or 14.9% [2] Group 3: Customer Base and Competitive Strength - The bank has developed a tiered customer management system, resulting in a total of 997,000 corporate clients, an increase of 17,000 from the previous year [6] - Retail customer base grew to 158 million, up 3.5%, with wealth and private banking clients increasing by 6.5% and 12.1%, respectively [6] - The bank's comprehensive financing scale (FPA) reached 53.1 trillion yuan, a growth of 4.5%, while retail asset management (AUM) totaled 29.5 trillion yuan, up 8.4% [7][8] Group 4: Asset Quality and Capital Adequacy - The non-performing loan ratio remained stable at 1.25%, with a provision coverage ratio of 180.59%, indicating strong asset quality [9] - The capital adequacy ratio improved to 14.13%, up 0.63 percentage points, with the core tier one capital ratio at 9.82%, an increase of 0.64 percentage points [9] Group 5: Future Outlook - The bank aims to implement the central government's decisions, enhance core functions, and improve competitiveness while preventing and mitigating risks in key areas, laying a solid foundation for the "14th Five-Year Plan" and the upcoming "15th Five-Year Plan" [10]