提振消费是扩大内需的重要发力点，是当前和未来宏观政策的重中之重。近期，我国首次在中央层面实 施个人消费贷和服务业经营贷财政贴息政策，通过财政和金融的联动，支持促消费、扩内需。 齐晔表示，除积极完成消费贷款贴息相关工作外，光大银行还将围绕提振消费重点推动以下工作。一是 拓展消费场景的广度，聚焦文旅、以旧换新等消费场景，加强与重点平台合作，扩大服务覆盖面；二是 提升金融服务温度，进一步强化支付便利与安全，完善全流程风险管控，优化三代App和线下网点建 设，不断提升客户服务能力。 当前，银行零售业务正面临多重周期性因素带来的压力。齐晔对此表示，光大银行始终坚持以客户为中 心，保持战略定力，久久为功，以控成本为核心，以打造特色为着力点，促进零售业务的发展与升级。 零售存款依托四项增存举措，成本管控取得良好成效，实现了量和价"双优"。 在零售存款方面，光大银行通过源头项目引资、产品销售带动、客群综合经营、场景流量沉淀四项举 措，实现了量和价"双优"。数据显示，在价格方面，光大银行零售存款结构不断优化，成本逐年下降。 近3年，光大银行零售存款成本累计改善49个基点，同业排名领先。在量方面，上半年，光大银行日均 存款增速达 ...

Core Viewpoint - Everbright Bank reported steady growth in its asset and liability scale, with a net profit attributable to shareholders of 24.622 billion yuan, a year-on-year increase of 0.55% [2][4] Financial Performance - As of June 30, 2025, Everbright Bank's total assets reached 723.86 billion yuan, a 4.0% increase from the end of the previous year [3] - The total loan amount was 408.41 billion yuan, up 3.8% year-on-year, with basic loans (excluding discounts) at 399.11 billion yuan, a 5.6% increase [3] - The bank's deposits amounted to 425.32 billion yuan, a 5.4% increase from the end of the previous year [3] - Operating income for the first half of the year was 65.918 billion yuan, a decrease of 5.57% year-on-year [4] Asset Quality - The non-performing loan ratio remained stable at 1.25%, unchanged from the beginning of the year [4] - The attention rate decreased by 0.04 percentage points to 1.8%, while the overdue rate fell by 0.07 percentage points to 1.95% [4] - Capital adequacy ratios were reported at 13.53%, 11.55%, and 9.49% for total capital, tier 1 capital, and core tier 1 capital, respectively [4] Retail Business Development - The retail deposit structure has been optimized, with a cumulative improvement of 49 basis points in retail deposit costs over the past three years [6] - Daily average deposit growth reached 6.7% in the first half of the year, with retail loan-to-deposit spreads performing well [6] - The bank's wealth management business has seen increased market influence, with innovative products and a significant rise in transaction volumes [7] Risk Management - The bank is focusing on risk management, particularly in the real estate sector, and is enhancing its credit policies and industry research systems [5] - The chief risk officer highlighted the need to address structural risks in various industries, including real estate, photovoltaic, automotive, steel, and petrochemicals [5] Future Outlook - The management plans to strengthen support for the real economy, increase credit investment, and optimize business structure to maintain steady growth [2] - The bank aims to enhance its digital risk control capabilities and improve customer service through various initiatives [5][8]

转自：新华财经 新华财经北京8月30日电（记者吴丛司）光大银行29日披露2025年中期报告显示，今年上半年该行资产负债规模保持稳健增长，实现归属股东净利润 246.22亿元，同比增长0.55%，资产质量总体平稳，不良贷款率1.25%与年初持平，零售业务通过成本管控与特色化经营实现稳健发展。 展望未来，光大银行管理层在该行2025年半年度业绩发布会上表示，该行将扎实服务实体经济，加大信贷投放力度，优化业务结构，降低负债成本，促进 降本增收，打造经营特色，保持稳中有进的经营态势。 面对资产收益率持续下行、市场利率上行、客户有效需求不足等因素，光大银行持续加大负债成本管控，促进负债成本改善、稳定息差利差水平。今年上 半年，该行存款成本同比改善34BP，其中对公、零售存款成本分别改善36BP、32BP，其他负债成本也改善明显；该行存款付息率为1.92%，较上年度下 降26个BP，降幅高于去年水平，净息差保持在1.4%。 郝成表示，该行着力优化存款产品结构，推动"现金管理、受托支付、链式拓客、资格专户"新动能建设，稳规模、调结构、降成本，有力应对息差下行压 力，实现了负债成本的持续改善。 规模稳健增长 资产质量总体平稳 ...