本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 自2025年10月23日至2025年10月27日，浦发转债持有人仍可以依据约定的条 件将浦发转债转换为公司普通股。 经中国证券监督管理委员会《关于核准上海浦东发展银行股份有限公司公开 发行可转换公司债券的批复》（证监许可〔2019〕1857号）核准，上海浦东发展 银行股份有限公司（以下简称"公司"）公开发行了50,000万张可转换公司债券 （以下简称"可转债""浦发转债"），每张面值人民币100元，发行总额人民 币500亿元，期限6年。经上海证券交易所自律监管决定书〔2019〕247号文同意， 公司500亿元可转债于2019年11月15日起在上海证券交易所挂牌交易，债券简称 "浦发转债"，债券代码"110059"。 1 可转债到期日和兑付登记日：2025年10月27日 兑付本息金额：人民币110元/张 兑付资金发放日：2025年10月28日 可转债摘牌日：2025年10月28日 可转债最后交易日：2025年10月22日 可转债最后转股日：2025 年 10 月 2 ...

Core Viewpoint - The company, Qiaoyin City Management Co., Ltd., is applying for a comprehensive credit limit and accounts receivable pledge credit business with Shanghai Pudong Development Bank's Guangzhou branch, indicating a strategic move to secure liquidity and financial backing for its operations [1] Group 1: Loan Application and Guarantees - The company plans to apply for a working capital loan not exceeding 450 million yuan, with a term of no more than 12 months [1] - The controlling subsidiary, Shaoguan Qiaokai, intends to provide a joint liability guarantee of up to 450 million yuan [1] - The wholly-owned subsidiary, Duyun Qiaoying, will pledge accounts receivable as collateral, not exceeding 665 million yuan [1] Group 2: Current Guarantee Status - After this guarantee, the total guarantee balance from subsidiaries to the company will be 656 million yuan, with an available balance of 916 million yuan [1] - As of the announcement date, the total external guarantee balance of the company and its controlling subsidiaries is 1.926 billion yuan, accounting for 79.06% of the net assets for 2024 [1] - There are no overdue or abnormal guarantee situations reported [1]

Market Performance - On September 15, the share price of the joint-stock bank sector fell by 0.97% compared to the previous trading day, with Industrial Bank leading the decline [1] - The Shanghai Composite Index closed at 3860.5, down 0.26%, while the Shenzhen Component Index closed at 13005.77, up 0.63% [1] Individual Bank Performance - The closing prices and changes for individual banks are as follows: - Everbright Bank: 3.61, -0.55% - Ping An Bank: 11.65, -0.60% - Zheshang Bank: 3.07, -0.65% - China Merchants Bank: 42.22, -0.75% - Citic Bank: 7.75, -0.77% - Huaxia Bank: 7.11, -0.84% - Minsheng Bank: 4.33, -1.14% - Pudong Development Bank: 13.43, -1.25% - Industrial Bank: 121.07, -1.63% [1] Capital Flow Analysis - The joint-stock bank sector experienced a net outflow of 1.873 billion yuan from main funds, while speculative funds saw a net inflow of 771 million yuan, and retail investors had a net inflow of 1.102 billion yuan [1] - Detailed capital flow for individual banks shows significant net outflows for several banks, including: - Citic Bank: -11.51 million yuan from main funds - Ping An Bank: -88.85 million yuan from main funds - Pudong Development Bank: -92.47 million yuan from main funds - Industrial Bank: -248 million yuan from main funds [2]

Group 1 - The recruitment market is experiencing a peak during the "golden September and silver October" period, with major banks like ICBC, ABC, SPDB, and CMB launching their 2026 campus recruitment initiatives [1][2] - There is a significant demand for fintech talent, with some banks reporting a 100% increase in the need for such positions [2][3] - The focus on AI-related talent is growing, with banks like ICBC introducing specialized recruitment for AI roles for the first time, aiming to hire around 20 individuals with backgrounds in artificial intelligence and big data [2][3] Group 2 - Local banks are also actively seeking AI talent, with institutions like Hangzhou Bank and Shanghai Rural Commercial Bank offering positions related to AI and fintech [3] - The trend indicates a shift in the banking industry towards integrating AI into core business functions, moving from pilot projects to large-scale value creation [3][4] - The demand for AI talent reflects a broader transformation where AI is becoming a strategic foundation rather than just a tool, with three key trends: AI becoming a core driver, accelerated data value release, and deep organizational restructuring [4][5] Group 3 - The salary range for AI-related positions in banks is generally lower than that in internet companies, with annual salaries for algorithm positions in banks typically between 200,000 to 350,000 yuan [6][7] - Many banks require new hires to undergo a rotation in grassroots positions, even for tech roles, indicating a comprehensive training approach [7] - The urgent need for "AI + business" hybrid talent highlights the challenges and opportunities in the banking sector, as organizations face pressures in both recruitment and training of such talent [7]

本次活动积极践行以人民为中心的价值取向，围绕群众关心关注的内容，组织开展金融知识普及活动， 帮助金融消费者和投资者理性选择适合自己的金融产品，远离虚假宣传、非法中介、非法金融和电信诈 骗等活动侵害；推动金融知识和风险提示深入基层、直达群众；不断优化提升金融服务水平，让金融行 业发展更好地满足人民群众美好生活需要。 活动期间，浦发银行成都分行将充分发挥线上线下多渠道优势，开展一系列丰富多彩、形式多样的金融 知识普及活动。 转自：推广 为切实提升社会公众金融素养，维护金融消费者和投资者合法权益，浦发银行成都分行积极响应国家金 融监督管理总局、中国人民银行、中国证券监督管理委员会号召，以"保障金融权益 助力美好生活"为 主题，全面启动2025年金融教育宣传周活动。 线下立足网点，开展"风险提示送上门"行动 活动期间，浦发银行成都分行积极借助线上平台的传播优势，定期在微信公众号发布金融知识科普文 章、风险提示等内容，以图文并茂、生动有趣的形式，深入浅出地解读金融知识与风险防范要点，揭示 非法中介的常见套路，让消费者了解常见诈骗手段，提高防范意识。 浦发银行成都分行将以此次活动为契机，建立金融宣教长效机制，创新方式手段 ...

Core Viewpoint - The Shanghai Pudong Development Bank (SPDB) is enhancing its financial services for international tourists during the 2025 Shanghai Tourism Festival, focusing on convenience, cash security, and innovative services to improve the overall visitor experience [1][2][3] Group 1: Payment Services - SPDB has introduced the E-Money Card for foreign visitors, allowing them to open an account quickly at two major airports in Shanghai using only their passport and advanced OCR technology [1] - The E-Money Card can be linked to popular payment platforms like Alipay, WeChat Pay, and UnionPay, facilitating seamless transactions for shopping, dining, and entertainment during the festival [1] - SPDB has established three service points at Shanghai Pudong and Hongqiao airports, offering foreign currency exchange in 21 currencies and a "small change" exchange service for small denominations of RMB [2] Group 2: Cash and Communication Services - The bank has implemented self-service cash withdrawal machines that support foreign bank cards and allow withdrawals of small denomination RMB notes [2] - SPDB has partnered with Shanghai Mobile to provide a one-stop rental machine payment service, enabling tourists to access both communication and financial services upon arrival [2] Group 3: Merchant Services - SPDB has developed the "Pu Zhang Gui" product to meet the diverse payment needs of merchants in the tourism sector, offering a comprehensive cloud management system that supports various payment methods [3] - The bank aims to enhance the payment experience for international tourists by ensuring smooth transactions and providing tailored services for merchants during the tourism festival [3] - SPDB plans to continuously optimize its payment services and improve the overall experience for foreign visitors in Shanghai, contributing to the city's goal of becoming a top international tourism and business destination [3]

Core Insights - Shanghai Branch of SPDB is advancing its "digital intelligence" strategy, focusing on supply chain finance and aiming to double its online loan volume [1][2] - The "Pu Lian Tong" service has surpassed 10 billion yuan in online funding, enhancing digital supply chain product capabilities [1] - The branch has seen a net increase of 27.7 billion yuan in online supply chain business volume and added 886 new supply chain clients in the first half of the year [1] Digital Supply Chain Finance - "Pu Lian Tong" is a core product featuring full ecosystem, online, all-scenario, and intelligent characteristics, catering to financial needs of upstream enterprises [1] - The branch has established connections with major state-owned enterprises for supply chain platform integration, facilitating online instant loans for suppliers [1] Support for New Retail and Infrastructure - The branch is addressing supply chain financing needs in the new retail sector by deploying "Pu Lian Tong" for leading TMT companies, enabling automatic loans and centralized payment collection [2] - Customized financial service solutions are provided to key enterprises involved in the construction of five new cities, enhancing financing efficiency [2] Expansion of Financial Services - The branch has successfully launched the "National Railway Freight Loan" service, providing efficient financing for railway users based on electronic waybills [2] - Future plans include continuous enhancement of supply chain financial services to empower upstream and downstream enterprises in the real economy [2]

Core Viewpoint - Recent incidents of unauthorized transactions on the Shanghai Pudong Development Bank (SPDB) Mastercard "Priceless World Card" have raised concerns about payment security, with multiple users reporting overseas fraud without their knowledge [1][3][9]. Group 1: Incident Overview - SPDB's credit card center detected unauthorized transactions on the "Priceless World Card" and initiated an emergency response mechanism in collaboration with Mastercard [1][10]. - Affected users reported significant unauthorized charges, with one user experiencing nearly 20,000 yuan in fraudulent transactions despite having a low available credit limit [3][7][9]. - Users did not receive any notifications for the unauthorized transactions, which occurred in Brazil, leading to frustration and concerns about the bank's security measures [5][8]. Group 2: User Experiences - Multiple users, including Yang Lihong and Xiong Lan, reported similar experiences of unauthorized transactions occurring without prior notification, with amounts totaling approximately 19,000 yuan [3][5][7]. - One user had previously requested to cancel their card but still received notifications of fraudulent transactions after the card was supposedly deactivated [8]. Group 3: Bank's Response and Accountability - SPDB assured customers that they would not bear the losses from the unauthorized transactions and that a resolution plan was in place [8][9]. - Users expressed dissatisfaction with the bank's response, emphasizing that ensuring card security is the bank's responsibility and calling for more proactive measures [8]. Group 4: Analysis of Fraud Causes - Industry analysts suggest that the incidents may be due to organized technical fraud attacks rather than individual user negligence, indicating a potential vulnerability in the security systems of the affected credit card products [9][10]. - The concentration of fraud incidents among a specific card type suggests a targeted attack, raising alarms about the effectiveness of current security measures [9]. Group 5: Regulatory Context - Regulatory bodies have previously mandated banks to enhance risk management and fraud prevention measures, but challenges remain in fully mitigating overseas fraud risks [10]. - Various banks have implemented new measures to address cross-border transaction risks, but the industry consensus is that collaboration among card organizations, acquiring parties, and clearing networks is essential for effective fraud prevention [10].

Summary of Key Points from the Conference Call Industry Overview - **Industry**: Chinese Banking Sector - **Date of Conference**: September 3-5, 2025 - **Location**: Hangzhou and Beijing Core Insights 1. **Economic Support and Government Policies**: The Chinese government has prioritized economic support through various policies since September 2024, including rate cuts and consumption stimuli, leading to a recovering capital market and alleviation of local government financing vehicle (LGFV) debt issues [2][3][4] 2. **GDP Growth Outlook**: Despite recent weakening economic data, experts believe China is on track to meet its approximately 5% GDP growth target for 2025, aided by a favorable base effect in the second half of the year. However, 2026 presents heightened risks [3][12] 3. **Monetary and Fiscal Policies**: Further policy rate cuts are deemed unlikely for the remainder of 2025, with a preference for targeted fiscal subsidies. The potential introduction of a consumption tax reform in 2025 is also noted [3][4][12] 4. **Inflation and Economic Structure**: Weak inflation persists, attributed to structural issues and overcapacity in the investment-driven growth model, particularly in manufacturing. Experts emphasize the need for long-term structural reforms [11][13] 5. **Capital Market Recovery**: The capital market is showing signs of recovery, supported by easing US-China tensions and improved global liquidity. The upward momentum is expected to continue [15] Banking Sector Insights 1. **Net Interest Margin (NIM) Outlook**: Banks are less negative about NIM outlooks, with many indicating that NIM is near its bottom and may stabilize soon. However, loan demand remains lackluster, particularly from non-government corporates and retail sectors [5][24] 2. **Dividend Preferences**: In light of macroeconomic uncertainties, banks with higher dividend yields, such as ICBC, CCB, CITIC, and regional banks like BOCD and BOHZ, are preferred [5][24] 3. **Individual Bank Performance**: - **ICBC**: Expects improved earnings in H2 2025, driven by fee income growth and trading gains, despite a slight decline in NIM [25] - **CCB**: Anticipates NIM stabilization, with potential downward pressure from previous LPR cuts [26] - **BOC**: Expects NIM to bottom out and aims to prioritize wealth management and consumer finance [27] - **CITIC**: Predicts stable NIM and improvement in retail asset quality by early next year [28] - **SPDB**: Noted revenue and NPAT growth in H1, with a focus on technology finance and inclusive finance [30] Additional Considerations 1. **Consumption Trends**: Retail consumer goods sales growth has slowed, with services consumption becoming increasingly significant, accounting for approximately 46% of total consumption in 2024. Policies to boost consumption are expected to be emphasized [16][17] 2. **Property Market Dynamics**: The residential property market remains weak, but there is high demand for quality homes. Experts express skepticism about new property policies due to limited room for easing [22][18] 3. **Tariff and Trade Outlook**: Tariffs are expected to remain stable, with potential RMB appreciation driven by trade dynamics. The relationship between China and the US is characterized as tight, with full decoupling seen as unlikely [19][22] Conclusion The conference highlighted a cautious yet optimistic outlook for the Chinese banking sector, with a focus on stabilizing NIMs, improving asset quality, and navigating macroeconomic challenges. The emphasis on structural reforms and consumption growth indicates a strategic shift in policy direction moving forward.

Core Points - A large-scale credit card fraud incident has occurred involving Shanghai Pudong Development Bank (SPDB) credit cards, particularly the "Red Sand" card, with multiple cardholders reporting unauthorized transactions totaling nearly 19,000 RMB [2][4][10] - Cardholders did not receive any alerts or notifications during the fraudulent transactions, raising concerns about the bank's security measures [4][6][8] - SPDB has assured customers that they will not bear the losses from these fraudulent transactions and is actively investigating the incident [3][16] Group 1: Incident Overview - The fraud primarily affected SPDB's "Red Sand" credit card holders, with reports of unauthorized transactions occurring in Brazil [2][15] - Multiple cardholders, including individuals in different countries, experienced similar unauthorized charges around the same dates [2][4] - The total amount of unauthorized transactions reported by affected cardholders reached approximately 19,000 RMB [4][8] Group 2: Customer Reactions and Bank Response - Cardholders expressed frustration over the lack of notifications and the inability to prevent further unauthorized transactions despite taking immediate action to report the fraud [4][6][10] - SPDB's credit card center has stated that they are committed to protecting customer rights and will cover the losses incurred by the fraud [3][16] - The bank has initiated an emergency investigation and formed a special team to trace the source of the risk and prevent further incidents [3][15] Group 3: Security Concerns - Analysts suggest that the incident may be a result of organized technical fraud attacks, indicating a potential vulnerability in the security measures of the affected credit card products [15][14] - The incident highlights the ongoing issue of credit card fraud and the need for banks to enhance their security protocols to protect customers [14][17] - Legal experts emphasize that banks have a responsibility to ensure transaction security and must take appropriate measures to prevent fraud [16][17]