公告编号：临2025-021 证券代码：600000 证券简称：浦发银行 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 转债代码：110059 转债简称：浦发转债 上海浦东发展银行股份有限公司 监事会 2025 年第三次会议决议公告 本公司监事会及全体监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。 上海浦东发展银行股份有限公司（以下简称"公司"）监事会 2025 年第三 次会议于 2025 年 4 月 29 日以书面传签方式召开，会议通知及会议文件于 2025 年 4 月 18 日以电子邮件方式发出。会议应参加表决监事 8 名，实际参加表决监 事 8 名。本次会议符合《公司法》和《公司章程》关于召开监事会法定人数的规 定，表决所形成的决议合法、有效。 会议审议并经表决通过了： 1.《公司关于 2025 年第一季度报告的议案》 监事会认为：该报告的编制和审议程序符合法律法规和公司章程的规定，报 告的内容和格式符合中国证监会和上海证券交易所的相关规定，真实、准确、完 整地反映了公司的经营管理和财务状况。同意对外披露。 6. ...

公告编号：临2025-020 证券代码：600000 证券简称：浦发银行 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 转债代码：110059 转债简称：浦发转债 上海浦东发展银行股份有限公司 董事会 2025 年第三次会议决议公告 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。 上海浦东发展银行股份有限公司（以下简称"公司"）董事会2025年第三次 会议于2025年4月29日以书面传签方式召开，会议通知及会议文件于2025年4月18 日以电子邮件方式发出。应参加会议董事11名，实际参加会议董事11名，符合《公 司法》及《公司章程》关于召开董事会法定人数的规定，表决所形成的决议合法、 有效。公司监事、高级管理人员通过审阅会议资料方式列席本次会议。 会议审议并经表决通过了： 1.《公司关于2025年第一季度报告的议案》 同意对外披露。 5.《公司关于修订<对外捐赠工作管理办法>的议案》 同意：11票 弃权：0票 反对：0票 董事会审计委员会已事前认可并审议通过该项议案，同意提交董事会审议。 2.《公司关 ...

Financial Performance - Total operating income for Q1 2025 was RMB 45,922 million, a 1.31% increase from RMB 45,328 million in Q1 2024[2] - Net profit attributable to shareholders of the parent company reached RMB 17,598 million, reflecting a 1.02% increase compared to RMB 17,421 million in the same period last year[2] - The basic earnings per share remained stable at RMB 0.57, while the diluted earnings per share also held steady at RMB 0.52[2] - The group's net profit for Q1 2025 reached RMB 17,776 million, up from RMB 17,660 million in Q1 2024, indicating an increase of 0.7%[64] - The total profit for the group was RMB 20,155 million in Q1 2025, slightly down from RMB 20,351 million in Q1 2024, a decrease of 1.0%[62] Cash Flow - The net cash flow from operating activities improved significantly to RMB -202,002 million, a 55.37% increase from RMB -452,630 million in Q1 2024[2] - The group's cash flow from operating activities showed a net outflow of RMB 202,002 million in Q1 2025, compared to an outflow of RMB 452,630 million in Q1 2024, indicating an improvement[66] - Cash flow from investment activities generated a net inflow of RMB 167,048 million in Q1 2025, up from RMB 125,789 million in Q1 2024, representing a growth of 32.7%[68] - The group reported a net cash outflow of RMB 14,871 million in Q1 2025, an improvement from the outflow of RMB 63,405 million in Q1 2024[68] Asset and Liability Management - The total assets as of March 31, 2025, were RMB 9,552,276 million, an increase of 0.96% from RMB 9,461,880 million at the end of 2024[4] - Total liabilities rose to 8,796.647 billion RMB from 8,717.099 billion RMB year-on-year[41] - The company's total liabilities reached RMB 8,796,647 million, up from RMB 8,717,099 million at the end of 2024[60] - The company's total equity amounted to RMB 755,629 million, an increase from RMB 744,781 million at the end of 2024[60] Loan and Deposit Growth - The total loans (including discounted bills) amounted to CNY 5,579.83 billion, increasing by CNY 188.30 billion, or 3.49% year-on-year[15] - The balance of corporate loans (excluding discounts) reached CNY 3.309622 trillion, an increase of CNY 246.008 billion, reflecting a growth of 8.03% year-on-year[30] - The balance of corporate deposits was CNY 3.732716 trillion, an increase of CNY 197.358 billion, marking a growth of 5.58% compared to the previous year[31] - The personal customer base (including credit cards) reached 160 million, with personal deposit balance at CNY 1.677779 trillion, an increase of CNY 127.396 billion, reflecting a growth of 8.22%[34] Non-Performing Loans and Risk Management - The non-performing loan ratio decreased to 1.33%, down by 0.03 percentage points from 1.36%[4] - The non-performing loan balance was CNY 74.28 billion, with a non-performing loan ratio of 1.33%, down 0.03 percentage points from the previous year[17] - The provision coverage ratio improved to 186.99%, an increase of 0.03 percentage points from the previous year-end[51] Business Expansion and Customer Base - The company served over 87,500 technology enterprises, an increase of 16,400, or 23.07% year-on-year[18] - The balance of technology finance loans reached CNY 682.20 billion, an increase of nearly CNY 80 billion, or 13.25% year-on-year[18] - The supply chain finance business served 25,466 active upstream and downstream supply chain customers, with an online business volume of CNY 161.24 billion, a year-on-year increase of 388%[19] - The company had a total of 2.4033 million customers by the end of the reporting period, an increase of 34,800 customers, representing a growth of 1.47% compared to the end of the previous year[30] Investment and Asset Management - The company's financial market business actively managed assets totaling CNY 2.8 trillion by the end of the reporting period[38] - The company's financial market business achieved a profitable bond investment scale exceeding 1.7 trillion RMB during the reporting period[39] - The asset custody business reached a scale of 18.33 trillion RMB, with custody fee income of 696 million RMB[39] - The total product scale of the wholly-owned subsidiary, Puyin Wealth Management, was 1.317198 trillion RMB at the end of the reporting period[39] Capital Adequacy and Liquidity - The core Tier 1 capital adequacy ratio was 8.79%, down from 8.92% at the end of the previous year[44] - The liquidity coverage ratio stood at 121.32%, indicating a strong liquidity position[48]

浦发银行发行首单人工智能数智化主题金融债券 金十数据4月29日讯，日前，上海浦东发展银行股份有限公司2025年第一期金融债券（简称"本期债 券"）成功簿记发行。本期债券发行规模300亿元，其中，250亿元为普通金融债券，发行利率1.82%； 50亿元为人工智能数智化主题债券，发行利率1.81%，募集资金用于人工智能等数智化建设。 ...

Core Insights - The financial industry is focusing on enhancing its "digital finance" capabilities, transitioning from "digitalization" to "intelligent digitalization" in 2024 [1] - Financial institutions are increasing their technology investments and talent reserves, emphasizing a more pragmatic approach to technology spending and its return on investment [2] Group 1: Technology Investment Trends - In 2024, the six major state-owned banks invested a total of 125.46 billion yuan in financial technology, a 2.15% increase from 2023, but the revenue share remains below 4% for most banks [2] - Postal Savings Bank saw the highest growth in technology investment, reaching 12.30 billion yuan, a 9.03% increase, accounting for 3.53% of its operating income [2] - Nearly half of the banks reported a slight decline in the proportion of technology investment relative to revenue, indicating a shift towards more efficient spending [2] Group 2: AI and Big Model Applications - The application of large models is becoming prominent across various business areas, with China Construction Bank launching 168 financial model applications in 2024 [3] - China Merchants Bank and CITIC Bank are also focusing on "AI + finance" strategies, with China Merchants Bank introducing the first open-source financial model with over 100 billion parameters [3] - Ping An has made digital transformation a priority for 2025, with significant expectations for AI technology applications, reporting 250,000 to 300,000 daily uses of large models internally [3] Group 3: Organizational Changes - Financial institutions are restructuring to better align with digital finance needs, with many forming dedicated committees for digital finance [5] - China Merchants Bank and others are enhancing their organizational culture to support cross-department collaboration and innovation [5] - Zhejiang Commercial Bank has established a financial technology research institute to explore new technologies like large models and quantum technology [5] Group 4: Infrastructure Development - The six major state-owned banks are significantly investing in computing power and cloud computing, with China Construction Bank's computing power reaching 507.72 PFlops, a 9.58% increase [6] - Postal Savings Bank is advancing its cloud-native platform, achieving a tenfold increase in processing efficiency for its core business systems [6] - Other banks, such as CITIC Bank and Shanghai Pudong Development Bank, are also making substantial investments in distributed core systems and data centers [6] Group 5: Strategic Recommendations - Large financial institutions are advised to balance investment and output, focusing on core technology development and infrastructure upgrades [7] - Smaller institutions should avoid "digital anxiety" and develop tailored digital transformation strategies based on their resources [7] - Emphasis on core technology innovation and creating a conducive environment for research and development is crucial for competitive advantage [7]

公告编号：临2025-019 证券代码：600000 证券简称：浦发银行 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 可转债代码：110059 浦发转债简称：浦发转债 上海浦东发展银行股份有限公司 关于 2025 年第一期金融债券发行完毕的公告 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。 经中国人民银行批准，上海浦东发展银行股份有限公司（以下简称"公司"） 在全国银行间债券市场发行"上海浦东发展银行股份有限公司 2025 年第一期金 融债券"（以下简称"本期债券"），并在中央国债登记结算公司完成债券的登记、 托管。 本期债券于 2025 年 4 月 24 日簿记建档，4 月 28 日发行完毕，发行总规模 为人民币 300 亿元，为 3 年期固定利率。按照募集资金用途分为两个品种，品种 一为普通金融债券，发行规模 250 亿元，发行利率 1.82%；品种二为人工智能数 智化主题债券，发行规模 50 亿元，发行利率 1.81%，募集资金用于浦发银行人 工智能等数智化建设。募集资金在扣除发行费用后将依 ...

Core Insights - The article discusses the impact of tariff increases on businesses, highlighting the financial challenges they face, such as funding shortages and trade friction, prompting financial institutions to adapt their strategies [1][2]. Group 1: Financial Institutions' Responses - Financial institutions are implementing dynamic credit strategies to address the varying risk exposures across different industries and companies, moving away from traditional risk assessment models [1][2]. - A bank has developed a "tariff shock stress test model" that integrates customs data, industry chain maps, and exchange rate fluctuation models to adjust credit limits and enhance management [1]. - Some banks are offering specialized credit products and services to support foreign trade enterprises, ensuring they do not withdraw or reduce loans abruptly [3]. Group 2: Credit Strategy Adjustments - Banks are adjusting credit limits and pricing based on macroeconomic conditions and the creditworthiness of clients, with a focus on dynamic management of credit assets [2]. - Recommendations for banks include analyzing existing credit assets, adjusting risk limits, and providing support to affected enterprises through flexible repayment arrangements and new tax policies [2][4]. - New loans should incorporate the impacts of tariff wars into risk assessments, with an emphasis on introducing insurance and risk-sharing mechanisms [2][6]. Group 3: Support for Affected Industries - The Shanghai University of Finance and Economics suggests providing financial support, such as low-interest loans and export credits, to key industries heavily impacted by tariffs, like furniture and toys [4]. - There is a call for banks to offer supply chain financial services to alleviate pressures on upstream suppliers and enhance cash flow management for affected businesses [6]. - The focus on high-tech and innovative sectors is emphasized, with banks encouraged to provide specialized loans based on intellectual property and R&D investments [6][7]. Group 4: Strategic Collaborations - A collaboration between banks and insurance companies aims to create a comprehensive financial service plan for private technology enterprises, facilitating their growth from R&D to market entry [7]. - The article notes that the increase in tariffs may lead Chinese companies to abandon low-price strategies, potentially benefiting high-end equipment industries [7]. - The shift towards high-end, intelligent, and green manufacturing is highlighted as a key trend, with high-end equipment being a crucial driver for economic development [7].

Core Insights - The acceleration of building a modern industrial system in China is driving technology company mergers and acquisitions (M&A) as a key engine for optimizing resource allocation and connecting industrial chains [1] - The China Securities Regulatory Commission (CSRC) is enhancing regulatory inclusiveness by optimizing market-based pricing mechanisms for M&A and implementing a "green channel" for technology company M&A to improve review efficiency [1] - The National Financial Supervisory Administration has introduced a pilot policy for M&A loans for technology companies, easing the guidelines for commercial bank M&A loan risk management, which presents significant opportunities for technology firms to enhance competitiveness through M&A [1] Group 1 - The "Technology Enterprises M&A New Opportunities and Financial Innovation Services" forum held in Guangzhou attracted over a hundred elites from finance and industry to discuss the integration of technology innovation and M&A [2] - Key speakers included leaders from top intelligent manufacturing companies and financial institutions, discussing various aspects of industrial M&A, financial services for technology companies, and legal risk strategies in M&A transactions [2][3] - The forum resulted in the launch of a comprehensive financial service plan combining M&A loans, industrial funds, and investment banking advisory to support technology companies throughout their lifecycle [3] Group 2 - The event showcased quality M&A projects in fields such as new-generation information technology and high-end equipment manufacturing, leading to preliminary cooperation intentions between multiple enterprises and financial institutions [6] - A special service team will be established to track projects and promote the transformation of technological achievements and integration of industrial chains [6] - The successful hosting of the forum marks a significant step for Guangdong in building a technology finance ecosystem and serving the real economy, with M&A expected to become a new engine for high-quality development as policy benefits continue to be released [6]

Core Insights - The Canton Fair, established in 1957, is China's largest and longest-running international trade event, facilitating over $1.5 trillion in export transactions and attracting nearly 9 million overseas buyers [1] Group 1: Cross-Border Financial Services - Shanghai Pudong Development Bank's Guangzhou branch has significantly increased its cross-border RMB financing scale by 229% year-on-year and cross-border business volume by 18.2% in 2024, supporting high-level foreign trade [1] - The bank has developed a "6+X" cross-border financial service system to address diverse service needs of enterprises, focusing on eight key scenarios in cross-border finance [1] Group 2: E-commerce Support - The "E-commerce e Station" platform launched by the bank offers comprehensive services for cross-border e-commerce, including cross-border foreign exchange collection and settlement for exporters on platforms like Amazon [2] - The platform supports multiple currencies and provides fast T+1 settlement, addressing long settlement cycles and high fees [2] - It integrates fund management and financing modules, allowing real-time fund collection and investment in financial products while maintaining liquidity [2] Group 3: Foreign Exchange Risk Management - The "Puyin Hedging" service provides a comprehensive suite of foreign exchange trading services, enabling clients to conduct transactions online easily and efficiently [3] - The service includes flexible product structures and supports multiple currencies, helping businesses reduce foreign exchange hedging costs [3] - It also offers one-stop hedging services for precious metals and bulk commodities, responding to the needs of various industries [3] Group 4: Support for SMEs - The bank has optimized the credit approval process for small and micro enterprises, introducing the "Puyin Huiyidui" special credit business to facilitate foreign exchange hedging operations [4] Group 5: Services for Foreign Visitors - The bank has established a comprehensive currency exchange network to meet the payment needs of foreign visitors, including 85 branches and 24 currency exchange machines [6] - It provides various payment options for foreign visitors, enhancing the convenience of card transactions in key areas [6] Group 6: Future Outlook - The bank aims to continue innovating cross-border financial products and enhancing digital service capabilities to support foreign trade enterprises and attract overseas businesses [7]