（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 - China Everbright Bank is leveraging its merger and acquisition loan products to support industrial upgrades and resource optimization in key sectors such as technology finance, high-end manufacturing, and capital markets [1]. Group 1: Technology Finance - Everbright Bank has positioned technology finance as the strategic core of its merger loan business, focusing on supporting mergers in critical areas like integrated circuits, biomedicine, new energy, and environmental protection [2]. - In April 2025, the bank provided financing support covering 78% of the transaction price for a Suzhou electronic materials company acquiring a Southeast Asian competitor, reinforcing its leading position in the wet electronic chemicals sector [2]. Group 2: High-End Manufacturing - The bank's merger loans are closely aligned with the transformation towards high-end, intelligent, and green manufacturing, actively supporting mergers in high-end equipment, automotive manufacturing, and new materials [3]. - In January 2025, Everbright Bank issued a merger loan of 670 million yuan to a Shandong new materials company to facilitate the acquisition of a polyolefin elastomer (POE) facility, accelerating the domestic substitution of core raw materials for photovoltaic film [3]. Group 3: Capital Markets - Everbright Bank plays a crucial role in facilitating transactions and financing solutions for listed companies and their affiliates, enhancing the attractiveness of the domestic capital market [4]. - In the first half of 2025, the bank provided merger financing services over ten times to listed companies and their affiliates, contributing to the vibrancy of the capital market [4]. Group 4: Innovation and Brand Development - The bank has established a professional and efficient merger finance team, expanding the application scenarios of merger loans and exploring innovative fields such as equity incentives and public REITs [5]. - In the first half of 2025, Everbright Bank provided a total of 16.6 billion yuan in merger loans to domestic and foreign clients, leveraging the full-spectrum financial capabilities of the Everbright Group to offer comprehensive support for merger transactions [5]. - The bank aims to continue serving the real economy, responding to national strategic directions and market demands, while optimizing merger financial service models to support industrial upgrades and economic structure optimization [5].