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]

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][3] 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, reflecting 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, with a deposit cost improvement of 34 basis points [4] Asset Quality - The non-performing loan ratio remained stable at 1.25%, with a focus on risk management and credit policy improvement [5] - The attention rate decreased to 1.8%, down 0.04 percentage points from the beginning of the year, indicating stable asset quality [5] Retail Business Development - Everbright Bank's retail deposits showed a steady increase, with a daily average deposit growth rate of 6.7% in the first half of the year [7] - The bank's wealth management services, particularly the "Sunshine Wealth" and "Sunshine Selection" product systems, have seen significant growth, with innovative products exceeding 10 billion yuan in scale [8] Future Outlook - The management plans to enhance credit support for key industries and optimize the business structure to maintain steady growth [2][6] - The bank aims to improve customer service and expand consumption scenarios, particularly in personal consumption loans and financial services [10]

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2025年半年度報告（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8月29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先生 ...

Core Viewpoint - Everbright Bank is facing significant challenges in retail banking due to cyclical pressures, but it remains committed to a customer-centric strategy and has implemented several initiatives to enhance its performance [1] Group 1: Retail Deposit Strategies - Everbright Bank has achieved effective cost control in retail deposits through four key initiatives, resulting in both volume and price improvements [1] - The four initiatives include sourcing projects for capital introduction, driving product sales, and comprehensive management of customer segments [1] Group 2: Wealth Management - The bank's wealth management division is leveraging its product and channel service advantages, leading to an enhanced brand and market influence [1] - It focuses on two main systems: Sunshine Wealth Management and Sunshine Select, which are recognized for their diverse product offerings and stable, low-risk characteristics [1] Group 3: Pension Finance - Everbright Bank is actively advancing its pension finance business, utilizing group synergies to highlight its unique offerings [1] Group 4: Competitive Differentiation - The bank aims to build differentiated competitive capabilities, focusing on key livelihood and government service areas to steadily enhance its overall contribution [1] - It is accelerating its service expansion across provincial, municipal, and county levels, thereby increasing service scale and coverage while strengthening its industry-leading advantages [1]

Core Viewpoint - China Everbright Bank reported a mixed performance for the first half of 2025, with operating income decreasing by 5.6% year-on-year, while net profit attributable to shareholders increased by 0.55% [2] Financial Performance - Operating income for the period was 65.951 billion RMB, down from the previous year [2] - Net profit attributable to shareholders reached 24.622 billion RMB, showing a slight increase [2] - Basic earnings per share stood at 0.38 RMB [2] Business Development Initiatives - The bank established 16 "Innovation Financial Centers" and created 64 specialized technology financial institutions, with loans to technology enterprises growing by 9.88% compared to the end of the previous year [2] - Green loans increased by 12.37% year-on-year, supporting traditional industries in their green and low-carbon transitions [2] - The bank expanded its inclusive finance product system, with inclusive loans and agricultural loans growing by 3.95% and 9.18% respectively [2] Support for Key Sectors - The bank launched a "Service for Private Enterprises" action plan, with medium to long-term loans for manufacturing and strategic emerging industries increasing by 7.61% and 19.11% respectively [3] - A total of 33,400 enterprises were approved for financing, resulting in a loan disbursement of 213.469 billion RMB [3] - Real estate financing mechanisms were implemented, approving 343 projects with a total loan disbursement of 113.348 billion RMB [3] Product and Service Differentiation - The bank enhanced its retail offerings with products like "Sunshine Wealth" and "Sunshine Selection," managing a total of 1.8 trillion RMB in wealth management products [4] - The bank maintained its market position in bond underwriting and continued to develop its investment banking services [4] - Cross-border financial services were strengthened, focusing on supply chain financing [4] Risk Management - The bank implemented a comprehensive risk control system, emphasizing early identification and management of risks [4] - Key areas of risk management included retail credit, credit cards, real estate, and local government financing platforms [4] - The bank also focused on enhancing collection efficiency and managing overseas risks [4]

Core Viewpoint - China Everbright Bank reported a mixed performance for the first half of 2025, with a decrease in operating income but a slight increase in net profit, highlighting its focus on supporting technology and green finance initiatives [1][2]. Financial Performance - Operating income for the period was 65.951 billion RMB, a decrease of 5.6% year-on-year [1]. - Net profit attributable to shareholders was 24.622 billion RMB, an increase of 0.55% year-on-year [1]. - Basic earnings per share stood at 0.38 RMB [1]. Strategic Initiatives - The bank established 16 "Innovation Financial Centers" and created 64 specialized technology finance institutions, with loans to technology enterprises growing by 9.88% compared to the previous year [1]. - Green loans increased by 12.37% year-on-year, supporting traditional industries in their green and low-carbon transitions [1]. - The bank expanded its inclusive finance product system, with inclusive loans and agricultural loans growing by 3.95% and 9.18% respectively [1]. Support for Small and Medium Enterprises - The bank launched the "Service for Private Enterprises" action plan, with medium to long-term loans for manufacturing and strategic emerging industries increasing by 7.61% and 19.11% respectively [2]. - A total of 33,400 enterprises were approved for financing, resulting in a disbursement of 213.469 billion RMB [2]. - The bank also supported real estate financing with 343 projects approved, leading to a disbursement of 113.348 billion RMB [2]. Product and Service Development - The bank enhanced its retail offerings with products like "Sunshine Wealth" and "Sunshine Gold Selection," managing a total of 1.8 trillion RMB in wealth management products [3]. - It focused on expanding its "Cloud Payment" service and maintaining its market position in bond underwriting and investment banking services [3]. - The bank is also enhancing cross-border financial services and adjusting trading strategies to improve profitability in financial markets [3]. Risk Management - The bank implemented a comprehensive risk control system, focusing on early identification and management of risks across key areas such as retail credit and real estate [3]. - It emphasized the importance of maintaining a balanced client concentration and optimizing business structure to mitigate risks [3].