公告编号：临2024-025 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 特此公告。 1.《公司关于与上海申迪（集团）有限公司关联交易的议案》 同意：7 票 弃权：0 票 反对：0 票 （公司监事孙伟因关联关系回避表决） 2.《公司<2023 年度并表管理报告>的议案》 同意：8 票 弃权：0 票 反对：0 票 上海浦东发展银行股份有限公司 第七届监事会第六十七次会议决议公告 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"）第七届监事会第六十 七次会议于 2024 年 5 月 24 日以书面传签方式召开，会议通知及会议文件于 2024 年 5 月 17 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，表决所形成决议合法、有效。 会议审议并经表决通过了： 上海浦东发展银行 ...

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。 公告编号：临2024-024 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 上海浦东发展银行股份有限公司 第七届董事会第六十九次会议决议公告 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"）第七届董事会第六十 九次会议于2024年5月24日以书面传签方式召开，会议通知及会议文件于2024年 5月16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。 特此公告。 上海浦东发展银行股份有限公司董事会 2024 年 5 月 24 日 1 会议审议并经表决通过了： 1.《公司关于与上海申迪（集团）有限公司关联交易的议案》 同意：11票 弃权：0票 反对：0票 2.《公司<2023年度并表管理报告>的议案》 同意： ...

公告编号：临2024-026 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 ● 交易简要内容：上海浦东发展银行股份有限公司（以下简称公司）拟为 上海申迪（集团）有限公司（以下简称"申迪集团"）核定人民币 250 亿 元的综合授信额度。 ● 申迪集团为公司主要股东百联集团有限公司的关联方，亦为公司关联方。 本次交易构成关联交易。 ● 本次交易不构成重大资产重组。 ● 本次关联交易已经董事会风险管理与关联交易控制委员会（消费者权益 保护委员会）及独立董事专门会议审议通过，并由公司董事会批准，无 需提交股东大会审议。 ● 本次关联交易是公司的正常授信业务，对公司持续经营能力、损益及资 产状况不构成重要影响。 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 上海浦东发展银行股份有限公司 关于与上海申迪（集团）有限公司关联交易公告 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。 重要内容提示： 一、关联交易概述 根据《银行保险机构公司治理准则》《银行保险机构关联交易管理办 ...

医药生会 日涨俘，25日大涨 / 101日 （建定，尚国湘智 ...

督导期间的工作情况报告如下： 一、持续督导工作概述 中信证券股份有限公司、国泰君安证券股份有限公司 关于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 | 保荐机构名称： | 被保荐公司简称： | | --- | --- | | 中信证券股份有限公司（以下简称"中信证券"） | 上海浦东发展银行股份有限公司 | | 国泰君安证券股份有限公司（以下简称"国泰君安"） | （以下简称"浦发银行"或"公司"） | | 中信证券 | | | 保荐代表人姓名：朱 钰 | 联系电话：021-2026 2306 | | 保荐代表人姓名：姜 颖 | 联系电话：021-2026 2300 | | 国泰君安 | | | 保荐代表人姓名：朱哲磊 | 联系电话：021-3867 7941 | | 保荐代表人姓名：郁伟君 | 联系电话：021-3867 6493 | 2023 年度持续督导报告书 经原中国银行保险监督管理委员会出具的《关于浦发银行公开发行 A 股可 转换公司债券相关事宜的批复》（银保监复〔2018〕387 号）及中国证券监督管 理委员会（以下简称"中国证监会"）出具的《关于核准上海浦东发展银行股份 有限公司公开发行 ...

Investment Rating - The report assigns a "Buy" rating to the company with a reasonable value of 8.74 CNY per share, compared to the current price of 7.42 CNY [4]. Core Insights - The company reported a significant increase in dividend payout ratio, rising nearly 10 percentage points to 30% in 2023, compared to 21% in 2022 [3]. - The performance in Q1 2024 slightly exceeded investor expectations despite negative revenue and PPOP growth, with a year-on-year net profit increase of 10% [2][3]. - The asset quality continues to improve, with a non-performing loan (NPL) ratio of 1.45% as of March, down 3 basis points from December [3]. Summary by Relevant Sections Financial Performance - For 2023, the company reported a revenue growth rate of -8.1% and a net profit decline of 28.3%. However, Q1 2024 showed a recovery with a net profit growth of 10% [2][3]. - The net interest income decreased by 6.4% year-on-year in Q1 2024, an improvement from a 13.1% decline in Q4 2023 [3][12]. - The company’s return on equity (ROE) for Q1 2024 was 10.72%, reflecting a significant recovery from previous quarters [22]. Asset Quality - The NPL ratio improved to 1.45% as of March, with a provision coverage ratio of 173% [3][10]. - The new NPL generation rate decreased to 1.01%, down 34 basis points year-on-year [3][10]. Capital and Funding - The core Tier 1 capital adequacy ratio decreased to 8.83% as of March, down 14 basis points from the previous period [3][10]. - Total deposits decreased by 583 billion CNY in Q1 2024, primarily due to a reduction in corporate deposits [3][10]. Earnings Forecast - The company is expected to achieve net profit growth rates of 9.2% and 10.6% for 2023 and 2024, respectively, with earnings per share (EPS) projected at 1.18 CNY and 1.33 CNY [3][4].

Dividend and Profit Distribution - The company plans to distribute a cash dividend of RMB 3.21 per 10 shares, totaling approximately RMB 9.422 billion based on the total share capital of 29,352,176,848 shares as of December 31, 2023[6]. - The cash dividend payout ratio increased to 30.05%, up 9.55 percentage points from 20.50% in 2022[28]. Financial Performance - The company's operating revenue for 2023 was RMB 173,434 million, a decrease of 8.05% compared to RMB 188,622 million in 2022[28]. - The total profit for 2023 was RMB 40,692 million, reflecting a decline of 27.53% from RMB 56,149 million in the previous year[28]. - The net profit attributable to shareholders of the parent company was RMB 36,702 million, down 28.28% from RMB 51,171 million in 2022[28]. - The total assets at the end of 2023 reached RMB 9,007,247 million, representing a growth of 3.48% from RMB 8,704,651 million in 2022[28]. - The non-performing loan ratio improved to 1.48%, a decrease of 0.04 percentage points from 1.52% in 2022[28]. - The basic earnings per share for 2023 was RMB 1.07, down 31.41% from RMB 1.56 in 2022[28]. - The weighted average return on equity decreased to 5.21%, down 2.77 percentage points from 7.98% in the previous year[28]. Asset Quality and Risk Management - The company has taken measures to manage and control various operational risks, including credit, market, liquidity, and operational risks[6]. - The company is committed to enhancing compliance and risk management, emphasizing proactive and forward-looking risk management strategies[13]. - The non-performing loan balance was RMB 74.198 billion, a decrease of RMB 0.042 billion year-on-year, with a non-performing loan ratio of 1.48%, down 0.04 percentage points[37]. - The provision coverage ratio improved to 173.51%, an increase of 14.47 percentage points compared to the previous year[37]. - The company aims to control the growth of new non-performing loans by strengthening monitoring and early warning systems[121]. Digital Transformation and Innovation - The company has implemented a comprehensive digital intelligence strategy to adapt to the ongoing technological revolution and digital transformation in the financial sector[9]. - The company aims to enhance its customer-centric operating system by leveraging digital technologies to improve customer experience and engagement[13]. - The company has launched a comprehensive financial service model integrating financing, intelligence, technology, and investment for technology enterprises[56]. - The company has implemented a digital risk control system, enhancing its ability to monitor and manage operational risks effectively[46]. - The company aims to enhance its digital capabilities and enhance customer service through technology-driven solutions[198]. Strategic Focus and Development - The company emphasizes its five advantages: genetic, locational, efficiency, mechanism, and professional advantages, which are expected to drive sustainable development[8]. - The company is focusing on five key areas: technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance, to drive its digital strategy[10]. - In 2024, the company will focus on a "5-3-2-1-1" strategy, which includes five major tracks, three basic areas, two core indicators, one foundation, and one spirit to drive business development[14]. - The company aims to enhance its "digital intelligence" strategy to achieve breakthroughs in five major tracks: technology finance, supply chain finance, inclusive finance, cross-border finance, and financial asset management[14]. - The company is committed to building an internationally competitive first-class joint-stock commercial bank by enhancing governance effectiveness and corporate culture[17]. Market Position and Competitiveness - The company has established a strong market competitiveness and brand influence through continuous reform and innovation in various business areas[8]. - Shanghai Pudong Development Bank ranked 18th in the "Global 1000 Banks" list by The Banker magazine in July 2023, and 8th among Chinese banks[25]. - The bank's brand value was assessed at $98.76 billion in the 2024 Brand Finance ranking, placing it 31st globally and 11th among Chinese banks[25]. - The bank received the "Second Prize for Financial Technology Development" from the People's Bank of China for its digital twin financial intelligent decision-making platform[26]. Loan and Credit Growth - The balance of loans to technology-based enterprises reached over 500 billion yuan, growing by over 30%; medium to long-term loans in the manufacturing sector amounted to 278 billion yuan, increasing by 27%[12]. - The balance of green credit reached 524.6 billion yuan, with a growth rate of 23%; inclusive finance loans amounted to 422.4 billion yuan, growing by 12%[12]. - The company has provided over 5,000 billion RMB in loans to technology enterprises, with a growth rate exceeding 30%[40]. - The company's retail loan total reached RMB 1,865.822 billion, reflecting a growth of 9.48% year-on-year[36]. - The total amount of corporate loans (excluding discounts) reached RMB 2,741.493 billion, an increase of RMB 237.460 billion, or 9.48% year-on-year[137]. Customer Engagement and Services - The mobile banking app's monthly active users (MAU) reached 29.08 million, a year-on-year increase of 14.71%, with transaction volume of CNY 11.1 trillion[50]. - The company has launched new inclusive finance products, including "PuHui抵贷" and "宅抵速贷," to support small and micro enterprises[46]. - The number of personal mobile banking customers reached 79.79 million, with a transaction volume of 11.10 trillion RMB from 3.26 billion transactions[160]. - The company has served over 150,000 customers through its online service platform, receiving multiple media accolades[161]. Environmental, Social, and Governance (ESG) Initiatives - The company is dedicated to building a resilient and sustainable development model, integrating ESG principles into its operations[10]. - The bank's ESG rating from MSCI was rated A in September 2023, reflecting its commitment to environmental, social, and governance standards[25]. - The company issued carbon reduction loans totaling CNY 5.2 billion to 64 projects, resulting in an annual carbon reduction of 1.51 million tons of CO2 equivalent[45]. Challenges and Outlook - The company faces multiple risks including geopolitical conflicts, energy shortages, and high inflation impacting global economic recovery[200]. - Regulatory environment remains strict with a focus on resolving existing financial risks, particularly in real estate and local hidden debts[200]. - The company is under pressure from low interest rates and financial disintermediation, affecting profitability and customer retention[200]. - The transition to a green economy is accelerating, requiring the company to enhance its green finance capabilities and manage environmental risks[200].

Financial Performance - The company's operating revenue for Q1 2024 was RMB 45,328 million, a decrease of 5.72% compared to RMB 48,079 million in Q1 2023[2] - The total profit for Q1 2024 was RMB 20,351 million, an increase of 4.33% from RMB 19,507 million in the same period last year[2] - The net profit attributable to shareholders of the parent company reached RMB 17,421 million, reflecting a growth of 10.04% compared to RMB 15,831 million in Q1 2023[2] - The basic earnings per share for Q1 2024 was RMB 0.57, up 11.76% from RMB 0.51 in Q1 2023[2] - The group's net profit for Q1 2024 was RMB 17,660 million, compared to RMB 16,150 million in Q1 2023, reflecting a growth of 9.3%[45] Cash Flow and Liquidity - The net cash flow from operating activities was negative at RMB -452,630 million, a significant decline from RMB 103,419 million in the previous year, representing a decrease of 537.67%[7] - In Q1 2024, the net cash flow from operating activities was a negative RMB 452,630 million, compared to a positive RMB 103,419 million in Q1 2023, indicating a significant decline in operational cash generation[46] - The total cash inflow from investment activities was RMB 601,216 million in Q1 2024, up from RMB 316,566 million in Q1 2023, reflecting a strong recovery in investment cash inflows[47] - The net cash flow from financing activities was RMB 262,580 million in Q1 2024, compared to a negative RMB 53,811 million in Q1 2023, showing improved financing conditions[47] - The total cash and cash equivalents at the end of Q1 2024 stood at RMB 298,722 million, a decrease from RMB 362,127 million at the beginning of the quarter[47] Asset and Liability Management - The total assets as of March 31, 2024, were RMB 9,053,468 million, a slight increase of 0.51% from RMB 9,007,247 million at the end of 2023[4] - The total liabilities were 8,302.126 billion yuan, an increase of 277.63 billion yuan or 0.34% compared to the end of the previous year[15] - The total loans in foreign and domestic currencies amounted to 5,186.270 billion yuan, an increase of 168.516 billion yuan or 3.36% year-on-year, accounting for 57.28% of total assets[15] - The total amount of loans and advances reached RMB 5,073,156 million, up from RMB 4,904,696 million year-over-year[42] Risk Management - The non-performing loan ratio improved to 1.45%, down 0.03 percentage points from 1.48% at the end of 2023[4] - The company's non-performing loan ratio decreased compared to the beginning of the year, indicating improved risk management[14] - The company's non-performing loan balance reached 75.041 billion yuan, an increase of 0.843 billion yuan compared to the end of last year, with a non-performing loan ratio of 1.45%, down 0.03 percentage points[16] Capital Adequacy - The core Tier 1 capital adequacy ratio was 8.83%, while the total capital adequacy ratio stood at 12.35%[16] - The capital adequacy ratio was 12.00%, above the regulatory standard of 11%[36] Business Development and Strategy - The company plans to continue optimizing the credit structure and focus on growth in public loans through innovative models and customer cultivation[15] - The company will leverage opportunities in the consumer market and real estate recovery to drive retail loan growth back to an upward trend[15] - The company launched a new product system for inclusive finance, including four new loan products aimed at individual customers[17] - The company actively supported the national "dual carbon" goals, issuing carbon reduction loans totaling 1.9 billion yuan to 30 projects, resulting in an annual carbon reduction of 622,500 tons[21] Customer Engagement and Services - The company served over 60,000 technology enterprises, with a technology finance loan balance exceeding 530 billion yuan[17] - The "Pu Chain Tong" service provided financing of 1.611 billion yuan to 282 suppliers of 62 core enterprises[17] - The inclusive finance loan balance reached 439.9 billion yuan, an increase of 17.5 billion yuan from the end of last year[22] - The company served 1.75 million elderly clients aged 60 and above through its mobile banking app during the reporting period[24] Digital Transformation - The company launched a new version of its mobile banking app, offering 150 financial services and 8 new digital financial products[25] - The company has established a data asset scale of 67.15 PB, supporting various business operations and management needs[26] Investment and Market Position - The company achieved a cross-border business volume of 1.2 trillion yuan, with a settlement amount of 1.5 trillion yuan, representing a year-on-year growth of 105%[18] - The green credit balance was 561.575 billion yuan, an increase of 36.993 billion yuan, or 7.05%, from the end of last year[21] - The company reported a loan balance of 1.74 trillion yuan in the Yangtze River Delta region, maintaining the leading position among joint-stock banks[19] Financial Ratios - The average return on total assets increased to 0.20% from 0.18% year-on-year[30] - The liquidity coverage ratio was reported at 121.78%, indicating strong liquidity management[34] - The leverage ratio for the group stood at 6.84%, up from 6.63% at the end of the previous year[33]

本次会议通过网络直播方式召开。 二、业绩说明会召开的时间、方式 公告编号：临2024-018 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 上海浦东发展银行股份有限公司 关于召开 2023 年度暨 2024 年第一季度业绩说明会 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。 重要内容提示： 上海浦东发展银行股份有限公司（以下简称"公司"）拟于 2024 年 4 月 30 日在上海证券交易所网站（www.sse.com.cn）披露公司 2023 年年度报告和 2024 年第一季度报告。为了便于广大投资者全面深入地了解公司业绩和经营情况，公 司将于 2024 年 4 月 30 日上午 9：30-11：30 在上海召开 2023 年度暨 2024 年第 一季度业绩说明会，就投资者普遍关心的问题进行交流。现将有关事项公告如下： 一、业绩说明会类型 （一）时间：2024 年 4 月 30 日(星期二)上午 9：30 ...

公告编号：临2024-017 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 上海浦东发展银行股份有限公司 第七届监事会第六十五次会议决议公告 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"）第七届监事会第六十 五次会议于 2024 年 4 月 19 日以书面传签方式召开，会议通知及会议文件于 2024 年 4 月 9 日以电子邮件方式发出。会议应参加表决监事 9 名，实际参加表决监事 9 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， 表决所形成决议合法、有效。 会议审议并经表决通过了： 1.《公司关于 2023 年度大股东及其他主要股东评估情况的议案》 同意在公司股东大会上报告大股东评估情况。 同意：9 票 弃权：0 票 反对：0 票 2.《公司关于 2023 年度关联交易情况的议案》 同意在公司股东大会上报告。 同意：9 票 弃权：0 票 ...