（原标题：光大银行三季报：经营质量持续优化?中收企稳回升） 21世纪经济报道记者张欣 实习生董凌含 近日，光大银行发布2025年第三季度报告并召开线上业绩说明会。本报记者从业绩会上了解，光大银行 三季报核心亮点凸显——中间业务收入企稳回升，经营质量持续优化。 光大银行董事会秘书张旭阳在会议中明确，当前银行整体经营呈现"五个稳"特征，未来将紧扣"十五五" 规划，以服务实体经济为根本，通过增收创利与风险防控双向发力，确保经营始终保持稳中有进的良好 态势。 资产总额突破7万亿元，经营业绩总体稳健 2025年前三季度，光大银行经营规模实现稳步增长。截至9月末，全行资产总额7.22万亿元，较年初增 长3.72%；贷款总额4.03万亿元，增长2.37%；负债总额6.61万亿元，较年初增长3.83%；存款总额4.18万 亿元，较年初增长3.69%。在规模稳步扩张的同时，信贷投放结构持续优化，对科技、绿色、普惠、制 造业、战略性新兴产业和民营企业等重点领域的贷款均保持稳健增长。 在保持规模增长的同时，光大银行着力优化负债结构，通过推动高质量存款增长、压降高成本存款等措 施，有效应对息差下行压力。得益于此，净息差在今年一季度后 ...

21世纪经济报道记者张欣 实习生董凌含 近日，光大银行发布2025年第三季度报告并召开线上业绩说明会。本报记者从业绩会上了解，光大银行三季报核心亮点凸显——中间业务收入 企稳回升，经营质量持续优化。 光大银行董事会秘书张旭阳在会议中明确，当前银行整体经营呈现"五个稳"特征，未来将紧扣"十五五" 规划，以服务实体经济为根本，通过 增收创利与风险防控双向发力，确保经营始终保持稳中有进的良好态势。 资产总额突破7万亿元，经营业绩总体稳健 2025年前三季度，光大银行经营规模实现稳步增长。截至9月末，全行资产总额7.22万亿元，较年初增长3.72%；贷款总额4.03万亿元，增长 2.37%；负债总额6.61万亿元，较年初增长3.83%；存款总额4.18万亿元，较年初增长3.69%。在规模稳步扩张的同时，信贷投放结构持续优 化，对科技、绿色、普惠、制造业、战略性新兴产业和民营企业等重点领域的贷款均保持稳健增长。 二是大力发展"阳光财富"业务，丰富"七彩阳光产品"体系，发行养老、普惠、绿色科创等主题理财产品，理财产品管理规模达1.89万亿元。 三是保持"云缴费"行业领先优势，聚焦流量转化和价值提升，截至9月末，累计接入项 ...

Core Insights - China Everbright Bank reported positive results in its Q3 2025 report, emphasizing its commitment to serving the real economy and promoting high-quality sustainable development [1][3] Financial Performance - As of the end of September, the total assets of China Everbright Bank reached 72,177 billion yuan, a 3.7% increase from the end of the previous year [1] - The total loans amounted to 40,269 billion yuan, reflecting a 2.4% growth year-on-year, with key sectors such as technology, green finance, and private enterprises showing robust growth [1] - The bank's total liabilities were 66,129 billion yuan, up 3.8% from the previous year, while deposits reached 41,847 billion yuan, increasing by 3.7% [1] - The bank achieved an operating income of 942.7 billion yuan and a net profit of 372.8 billion yuan for the quarter [1] - The income from intermediary businesses rose to 155 billion yuan, reversing a 0.9% decline in the first half of the year to a 2.2% increase [1] Business Development - China Everbright Bank is focusing on six key specialty businesses to enhance its competitive advantages [2] - "Sunshine Science and Technology" financial services for tech enterprises [2] - "Sunshine Wealth" to expand wealth management and retail financial services, with a management scale of 1.89 trillion yuan in wealth products [2] - Maintaining a leading position in "Cloud Payment" services [2] - Optimizing "Sunshine Cross-Border" comprehensive financial services for digital transformation [2] - Advancing "Sunshine Investment Banking" with a total bond underwriting of 316.5 billion yuan and 23.9 billion yuan in merger loans [2] - Developing "Sunshine Gold Market" to enhance investment capabilities and market activity [2] Asset Quality and Capital Adequacy - The bank's non-performing loan ratio stood at 1.26%, with a provision coverage ratio of 168.92% [2] - Capital adequacy ratios were stable, with total capital adequacy at 13.65%, tier 1 capital at 11.70%, and core tier 1 capital at 9.65%, all meeting regulatory requirements [2] Strategic Direction - China Everbright Bank is committed to promoting high-quality development and establishing a new development pattern to ensure a strong start for the 14th Five-Year Plan [3]

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。 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） 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2025年第三季度報告（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10月30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、朱文輝先生、姚威先生、張銘文先生及李巍先生； 以及獨立非執行董事為邵瑞慶 ...

Core Viewpoint - Everbright Bank has been enhancing its "Sunshine Financial" services, providing customized financial solutions that integrate payment, settlement, financing, credit, and investment for nearly 10,000 small and micro enterprises, effectively supporting the development of the real economy [1] Group 1: Financial Services - The bank has expanded financing channels for small and micro enterprises through "Sunshine e-Payment," addressing supply chain financing challenges [1] - Everbright Bank's Hefei branch responded quickly to a funding need for a civil project, providing precise financial support to upstream enterprises within 12 days, ensuring nearly 1,000 migrant workers could return home [1] Group 2: Technological Finance - The bank has optimized processes and integrated resources to reduce costs and improve efficiency, facilitating capital injection into the real economy [1] - The Hangzhou branch collaborated with a local leading private enterprise to implement a fully online transformation of the financing process, resulting in 571 loans amounting to nearly 300 million yuan, with same-day application and two-hour fund disbursement [1] Group 3: Future Plans - Everbright Bank plans to continue deepening its "Sunshine Financial" services and enhance its "Sunshine Trading+" comprehensive financial service system to empower industrial chain collaboration and support high-quality development of the real economy [1]

Core Viewpoint - Everbright Bank has released its 2024 annual report, emphasizing its commitment to serving the real economy and national strategies through innovative financial services [1] Group 1: Implementation of National Strategies - Everbright Bank is enhancing service quality to support foreign investment and trade, achieving over $150 billion in international settlements by the end of 2024, an increase of 11.8% year-on-year [2] - The bank has nearly 16,000 international settlement clients and automated remittance business volume exceeding $1 billion [2] - Foreign exchange derivatives trading volume increased by 39.3% year-on-year [2] Group 2: Cross-Border Financial Services - The bank is providing comprehensive cross-border financial services to support domestic and foreign enterprises, facilitating over 16 billion RMB in low-cost foreign funds for domestic companies [3] - Seven overseas institutions have utilized various account systems to provide 14.8 billion RMB in credit to Chinese enterprises [3] - The bank has issued 187 overseas bonds to support Belt and Road projects and has actively engaged in green finance initiatives, issuing 35 green loans totaling approximately 8.49 billion RMB [3] Group 3: Development of Transaction Banking - Everbright Bank is focusing on developing its "Sunshine Transaction Banking" business, which includes supply chain finance, international business, and cash management [4] - The bank's manufacturing loans under trade financing increased by 37% year-on-year, while the balance of "Sunshine e-Payment" grew by 74.11% [4] - The number of customers in the automotive full-process network has approached 6,000 [4] Group 4: Digital Transformation and Supply Chain Services - The bank is leveraging advanced technologies such as big data, blockchain, and artificial intelligence to enhance online and digital financial services [5] - It has established various platforms for cash management and supply chain services, with over 20,000 transactions and a total transaction amount exceeding 20 billion RMB in the year [5]