上海浦东发展银行股份有限公司 2024 年度独立董事述职报告 截至 2024 年末，公司第七届董事会共有 5 位履职独立董事，分别是蔡洪平 先生、吴弘先生、孙立坚先生、叶建芳女士和吴晓球先生。 2024 年，公司独立董事按照相关法律法规、《公司章程》的规定，忠实勤勉、 恪尽职守、积极履职，有效增强董事会科学决策水平，促进公司治理水平的提升， 维护公司整体利益和中小投资者的合法权益。 2025 年，公司独立董事将进一步提升履职能力，勤勉尽责，独立客观发表意 见，以良好的职业道德和专业素养，积极推动和完善公司法人治理，为公司高质 量发展做出贡献。 附件 2025 年 3 月 27 日 1 1. 2024 年度独立董事述职报告（蔡洪平） 2. 2024 年度独立董事述职报告（吴 弘） 3. 2024 年度独立董事述职报告（孙立坚） 4. 2024 年度独立董事述职报告（叶建芳） 5. 2024 年度独立董事述职报告（吴晓球） 附件 1： 2024 年度独立董事述职报告（蔡洪平） 本人作为浦发银行独立董事，严格按照《公司法》《证券法》《上市公司独立 董事管理办法》《上海证券交易所上市公司自律监管指引第 1 号——规范 ...

截至2024年末，浦发银行资产总额9.46万亿元，较上年末增长5.05%；其中，本外币贷款总额（含票据 贴现）为5.39万亿元，较上年末增长7.45%。负债总额8.72万亿元，较上年末增长5.35%；其中，本外币 存款总额为5.15万亿元，较上年末增长3.24%。 资产质量方面，截至报告期末，浦发银行不良贷款余额为731.54亿元，较上年末减少10.44亿元，不良贷 款率1.36%，较上年末下降0.12个百分点；拨备覆盖率186.96%，较上年末上升13.45个百分点。 北京商报讯（记者 李海颜）3月28日，浦发银行发布2024年年度报告，报告期内，该行实现营业收入 1707.48亿元，同比减少1.55%；归属于母公司股东的净利润452.57亿元，同比增长23.31%。 对于经营效益增长的主要原因，浦发银行表示，一是信贷实现快速增长，该行聚焦重点赛道、重点领 域、重点区域，加快信贷资产投放，信贷净增量超3700亿元，创历史新高，量能提升抵御市场利率下行 的效果显著，为利息净收入的稳定提供支撑。二是强化负债统筹管理，付息成本管控取得成效，存款付 息率比去年同期下降19bps，其中公司客户、零售客户存款付息率分别 ...

Financial Performance - The total assets of the company exceeded 9.46 trillion yuan, with a year-on-year increase in net profit attributable to shareholders of 23.31%[5] - Total assets reached CNY 9.46 trillion, a year-on-year increase of over 5%[17] - Operating income amounted to CNY 170.75 billion, showing positive growth after excluding one-time factors from the previous year[17] - Net profit attributable to shareholders reached CNY 45.26 billion, a year-on-year increase of 23.31%, the highest growth rate in nearly 12 years[17] - The company's total operating revenue for 2024 was RMB 170,748 million, a decrease of 1.55% compared to RMB 173,434 million in 2023[41] - The net profit attributable to shareholders of the parent company increased by 23.31% to RMB 45,257 million in 2024 from RMB 36,702 million in 2023[41] - Total profit reached 48.366 billion yuan, up 18.86% year-on-year, while net profit attributable to shareholders increased by 23.31% to 45.257 billion yuan[50] - The non-performing loan ratio improved to 1.36% in 2024, down from 1.48% in 2023, indicating better asset quality[42] Digital Transformation and Innovation - The company has implemented a comprehensive "digital intelligence" strategy, focusing on five major tracks and creating a new operational model[5] - The company aims to enhance customer experience through a "one-stop + integrated" service platform, improving operational efficiency and user experience[6] - The company plans to leverage generative AI and large models to enhance operational efficiency, risk management, and ecological services by 2025[9] - The company is committed to building a data-driven full value chain operation system, enhancing user experience through digital transformation[21] - The company launched a new digital product system "浦科 5+7+X" focusing on full-cycle, intelligent, partner-based, and customized financial solutions[144] - The "浦闪贷" product allows for instant credit approval in under 1 minute, enhancing customer access to financial services[147] - The mobile banking app has surpassed 87 million registered users, with a significant increase in online loan customers by 366,300 and online loan disbursements exceeding 23 billion yuan[160] - The company has established a digital expected credit loss measurement tool to support front-end impairment loss calculations and risk cost assessments[181] Customer Engagement and Services - The company aims to strengthen five key sectors, focusing on integrated development in technology finance and supply chain finance to enhance customer engagement and revenue generation[23] - The company plans to enhance its digital financial services, particularly through the "浦惠来了" APP, to support small and micro businesses, aiming for a comprehensive "big inclusive finance" operating system[23] - The number of small and micro enterprise clients served exceeded 410,000, achieving full-cycle coverage of financing and growth services[18] - The company has established a digital inclusive finance product system called "4+N+X," focusing on online applications, automated approvals, and online repayment to address financing challenges for small and micro enterprises[95] - The "浦惠来了" app has introduced a "five-core" service model, providing tailored financial solutions for small and micro enterprises[156] Risk Management and Governance - The company emphasizes high-quality governance and risk management, integrating digital technology into the entire risk management chain[8] - The company is committed to enhancing its wealth management and asset management capabilities, aiming to connect resident wealth with emerging productivity[23] - The company emphasizes risk management, focusing on asset quality control and increasing recovery efforts to ensure sustainable high-quality development[24] - The company has established a model risk management system with over 1,000 models managed throughout their lifecycle and business processes[162] - The risk management framework emphasizes early detection and response, utilizing a comprehensive toolbox of 12 risk management tools to ensure asset quality remains stable[180] Strategic Development and Organizational Structure - The company has established a new agile organizational structure to improve decision-making efficiency and break down departmental barriers[7] - The company is set to deepen institutional reforms and adapt its management and service models to meet evolving market demands[10] - The company is focused on strategic execution, enhancing customer relationships, and maintaining a balance between deposits and loans to ensure stable revenue growth[24] - The organizational restructuring has clarified inter-departmental relationships and enhanced collaboration, accelerating the integration of customer management and product innovation[193] - The company promoted and adjusted a total of 230 direct management cadres during the reporting period, with 40 of them being "post-80s" generation, resulting in a 17% representation of "post-80s" in the direct management cadre by the end of the reporting period[199] Awards and Recognition - Shanghai Pudong Development Bank ranked 19th globally and 10th among Chinese banks in the "Global 1000 Banks" list by The Banker magazine, published in July 2024[37] - The bank's brand value reached $9.876 billion, ranking 31st in the "Global 500 Banks" list by Brand Finance in March 2024[38] - The bank received an ESG rating of A from MSCI in November 2024, indicating strong environmental, social, and governance practices[38] - The bank was recognized as the "Best Retail Bank of the Year" by Financial Management magazine in 2024[40] - The bank was awarded the "Best M&A Management Award" by the National Federation of Industry and Commerce in 2024[40] Market Expansion and Financial Services - The company is committed to optimizing its supply chain financial platform to provide high-efficiency, multi-product services[194] - The company has launched the "浦赢跨境" financial service brand, integrating various cross-border financial services to support Chinese enterprises' global expansion[109] - Cross-border financial business scale surpassed CNY 4 trillion, with domestic and foreign merger financing balance exceeding CNY 200 billion[18] - The balance of cross-border RMB financing increased to CNY 1,406 billion in 2024, representing a growth of 96.92% from CNY 714 billion in 2023[106] - The company has established a small and micro enterprise financing coordination mechanism, with a cumulative credit amount of CNY 149.4 billion for 16,000 clients[100]

Group 1 - The annual performance briefing of Shanghai Pudong Development Bank (SPDB) will be held on March 31, 2024, from 15:00 to 17:00, featuring key executives including Chairman Zhang Weizhong and President Xie Wei [1] - SPDB is a national joint-stock commercial bank established in 1992, with a registered capital of 29.352 billion yuan and total assets reaching 9.46 trillion yuan by the end of 2024 [3] - The bank has a comprehensive service structure with 42 primary branches and over 1,700 business institutions, covering all provincial-level administrative regions in mainland China and having branches in Hong Kong, Singapore, and London [3] Group 2 - In 2024, SPDB ranked 31st in the Brand Finance "Global 500 Banks" list with a brand value of 9.876 billion USD, and it was also recognized in various other global rankings, including 159th in Forbes' "Global 2000" and 19th in The Banker’s "Top 1000 World Banks" [4] - SPDB holds investment-grade ratings from three major international rating agencies: Fitch (BBB), S&P (BBB), and Moody's (Baa2), all with stable outlooks [4] - The bank is committed to social responsibility, having received multiple awards for its charitable contributions and achieving an MSCI ESG rating of A in 2022 [4] Group 3 - Looking ahead, SPDB aims to enhance its international competitiveness by focusing on five key areas: technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance, while adhering to the principles of serving the people [5]

Core Viewpoint - The report provides a comprehensive overview of the performance and management of the Changxin Lizhong Bond Fund (LOF) for the year 2024, highlighting its investment strategies, financial indicators, and compliance with regulations [1][2][3]. Fund Overview - Fund Name: Changxin Lizhong Bond Fund (LOF) - Fund Manager: Changxin Fund Management Co., Ltd. - Fund Custodian: Shanghai Pudong Development Bank Co., Ltd. - Total Fund Shares at the end of the reporting period: 2,012,646,748.60 shares [2]. - Fund Contract Effective Date: February 5, 2016 [2]. Investment Objectives and Strategies - The fund aims to achieve stable asset appreciation while strictly controlling investment risks, seeking returns that match the risk profile of various investors [2]. - Investment strategies include macroeconomic analysis, asset allocation, and risk-return analysis to formulate specific strategies for different asset classes [3]. Financial Performance - As of December 31, 2024, the net asset value (NAV) for Changxin Lizhong Bond (LOF) A was 0.9695 RMB, with a cumulative NAV of 1.3735 RMB, reflecting a net value growth rate of 4.29% for the reporting period [16]. - For Changxin Lizhong Bond (LOF) C, the NAV was 0.9801 RMB, with a cumulative NAV of 1.3191 RMB, resulting in a net value growth rate of 3.92% [16]. - The performance benchmark for the fund yielded a return of 4.98% during the same period [16]. Compliance and Governance - The fund management strictly adheres to the Securities Investment Fund Law and other relevant regulations, ensuring compliance and protecting the interests of fund shareholders [17]. - The internal audit department conducts regular checks on fund operations, ensuring adherence to regulatory requirements and internal controls [17][18]. Risk Management - The fund has implemented a fair trading system and established internal controls to manage investment risks effectively [15][18]. - The management emphasizes risk prevention and control, ensuring the fund's assets are operated in a regulated manner [18]. Profit Distribution - No profit distribution was made during the reporting period, in line with the fund's operational situation and distribution principles [20].

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) is actively promoting its "Artificial Intelligence +" initiative to enhance its financial technology capabilities and integrate AI into various financial services [3][4][8] Group 1: AI Integration and Strategy - SPDB aims to build core competitiveness in financial technology by deeply integrating AI with financial services, focusing on technological innovation, application needs, and talent development [3][4] - The bank has released the "Artificial Intelligence + Application Planning White Paper 1.0," detailing its large model application system and providing valuable references for AI applications in the financial industry [4] - SPDB has established a knowledge asset library worth hundreds of billions, creating over 200 digital employee application scenarios to enhance its smart capabilities in customer insights, industry research, and financial analysis [4] Group 2: Data Management and Financial Services - SPDB, in collaboration with various institutions, launched the "Commercial Bank Data Management Practice Report," emphasizing data as a core driver for banking operations and providing insights for building data management systems [5] - The bank is focusing on integrating data elements with financial services to enhance service quality and stimulate high-quality development in the financial sector [5] Group 3: AI Application Scenarios - SPDB has introduced six major AI application scenarios that integrate AI into wealth management, investment banking, inclusive finance, custody, and credit services, driving high-quality development in these areas [6][7] - Specific applications include AI-driven services for small and micro enterprises, intelligent consulting for investment banking, and automated credit assessment processes [7] - The bank aims to leverage AI to enhance customer experiences and operational efficiency across its service offerings [6][7] Group 4: Future Outlook - SPDB plans to continue innovating and exploring AI applications in finance, aiming to unlock the full potential of AI and contribute to the intelligent development of the financial industry [8] - The bank's recent initiatives mark a significant milestone in its digital transformation journey and set the stage for future advancements in financial technology [8]

Core Viewpoint - The article discusses the launch of Shanghai Pudong Development Bank's (SPDB) "Artificial Intelligence+" initiative, highlighting its commitment to integrating AI technology into financial services to enhance operational efficiency and customer experience [5][9]. Group 1: AI Integration in Banking - Artificial intelligence is recognized as a strategic technology driving a new wave of technological revolution and industrial transformation, reshaping the financial industry's underlying logic [3]. - SPDB's "Artificial Intelligence+" initiative aims to build core competitiveness in financial technology, promoting deep integration of AI with financial services, driven by technological innovation and application needs [5][6]. - The bank has established a large-scale enterprise knowledge asset library and developed over 200 digital employee application scenarios to enhance its smart capabilities in customer insights, industry research, and financial analysis [6]. Group 2: Reports and Findings - SPDB released two significant reports: the "Artificial Intelligence+ Application Planning White Paper 1.0" and the "Commercial Bank Data Management Practice Report," which provide insights into the bank's AI applications and data management strategies [5][7]. - The white paper outlines SPDB's large model application system and explores technical practices in foundational engineering, knowledge assets, application creation, and security management [5][6]. - The data management report emphasizes the importance of data elements in driving financial services and provides a framework for commercial banks to enhance their data management systems [7]. Group 3: AI Application Achievements - SPDB has made significant strides in AI applications across various sectors, including inclusive finance, investment banking, corporate banking, treasury management, and custody services [9][10]. - The bank's AI-enabled services aim to transform customer experiences from passive responses to proactive insights, enhancing the overall digital financial service experience [9]. - Specific AI applications include intelligent marketing for inclusive finance, smart credit assessment for corporate lending, and AI-driven wealth management solutions [10]. Group 4: Future Directions - SPDB plans to focus on five key areas: technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance, as part of its digital transformation strategy [9]. - The bank aims to continue innovating and exploring AI applications in finance, contributing to the intelligent development of the financial industry [10].

浦发银行苏州分行落地苏州市首单绿色可持续挂钩 债券投资业务 近日，浦发银行苏州分行落地某国企苏州首笔"绿色+可持续挂钩"中票债券发行业务。该业务在助力企 业分布式光电布局及技术提升的同时，深化银企合作，成效明显。 该债券的发行人是某核心市属国企，经营业务围绕燃气供应及新能源布局展开，构建了包括油气热力管 道、燃煤电厂、能源储备基地等建设，开展光伏、充换电基础设施等新能源开发利用，探索布局能源互 联网、能源区块链、能源数字经济、碳交易市场等新业态新模式。 本次债券募投分布式光伏项目总装机容量285MW，预计募投项目建成后每年可发电27,766.40万千瓦 时。对应募集资金预计每年可发电17,697.25万千瓦时，根据《绿色信贷项目节能减排量测算（2020）》 及《2022年全国电力工业统计数据》中火力发电数据测算，募投项目的运行与同等发电量的火电相比， 每年预计可实现二氧化碳减排量11.20万吨，可协同节约标准煤5.32万吨，减排二氧化硫15.20吨、氮氧 化物24.59吨。中证鹏元绿融将本期债券在此方面的绿色表现评估为"极好"。 浦发银行苏州分行将继续秉持创新驱动发展理念，充分发挥绿色债券等创新金融产品的优势 ...

A股窄幅震荡，三大股指小幅低收：两市成交11543 亿元 A股三大股指3月26日集体低开。盘初冲高后，两市早盘高位震荡。午后两市继续窄幅震荡，尾盘走低 三大股指小幅低收。 从盘面上看，银行、电力跌幅靠前，深海科技、锂电池概念股回调；机器人、光伏题材反弹明显，养 殖、化纤、地产行业涨幅居前。 至收盘，上证综指跌0.04%，报3368.7点；科创50指数跌0.26%，报1029.05点；深证成指跌0.05%，报 10643.82点；创业板指跌0.26%，报2139.9点。 Wind统计显示，两市及北交所共3544只股票上涨，1667只股票下跌，平盘有185只股票。 沪深两市成交总额11543亿元，较前一交易日的12582亿元减少1039亿元。其中，沪市成交4852亿元，比 上一交易日5164亿元减少312亿元，深市成交6691亿元。 两市及北交所共有103只股票涨幅在9%以上，10只股票跌幅在9%以上。 在板块方面，汽车板块午后走高，万通智控（300643）、美力科技（300611）、联明股份（603006）、 东风科技（600081）、南方精工（002553）、光洋股份（002708）、隆基机械（002363） ...

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) is committed to integrating artificial intelligence (AI) into its financial services, aiming to enhance its technological competitiveness and create value for customers through innovative applications of AI technology [1][2][3] Group 1: AI Applications and Services - SPDB has introduced six major AI application achievements to enhance digital financial services, focusing on a comprehensive customer journey from passive response to proactive anticipation [1] - The "AI Empowering Inclusive Finance" initiative aims to provide precise financial services to small and micro enterprises, addressing the last mile of financial accessibility [1][2] - The "AI Empowering Intelligent Investment Banking" initiative utilizes AI, BI, and KI technologies to optimize major business processes, facilitating precise capital matching for medium and large enterprises [2] Group 2: Strategic Planning and Reports - SPDB has set 2025 as the year for enhancing its "digital intelligence" strategy, emphasizing the importance of AI in its future operations [1] - The bank released the "Artificial Intelligence + Application Planning White Paper 1.0," detailing its large model application system and technical explorations in foundational engineering, knowledge assets, and security management [3] - In collaboration with various institutions, SPDB launched the "Commercial Bank Data Management Practice Report," focusing on data-driven management activities and providing insights for other commercial banks [3]