公告编号：临2024-063 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 关于参加 2024 年上海辖区上市公司三季报 集体业绩说明会的公告 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"）于2024年10月31日在 上海证券交易所网站（www.sse.com.cn）披露2024年第三季度报告。为便于广大 投资者更深入全面地了解公司情况，公司拟通过参加"2024年上海辖区上市公司 三季报集体业绩说明会"，就投资者普遍关注的问题进行交流。 （二）会议召开地点："上证路演中心"（https://roadshow.sseinfo.com） （三）会议召开方式：网络互动 三、公司出席人员 一、业绩说明会类型 本次业绩说明会以网络互动方式召开，公司将针对2024年前三季度的经营情 况、战略推进情况等与投资者进行互动交流和沟通。 二 ...

Financial Performance - The company's operating income for Q3 2024 was RMB 41,591 million, a slight increase of 0.01% compared to the same period last year[3]. - Net profit attributable to shareholders of the parent company reached RMB 8,235 million, representing a significant increase of 69.86% year-on-year[3]. - The basic earnings per share (EPS) for Q3 2024 was RMB 0.23, up 91.67% from the previous year[3]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 33,961 million, up 34.77% compared to the same period last year[7]. - The total profit for Q3 2024 reached RMB 7,266 million, up from RMB 5,236 million in Q3 2023, marking an increase of 38.8%[63]. - The group's net profit for the first nine months of 2024 was RMB 35,687 million, an increase of 24.7% compared to RMB 28,592 million in the same period of 2023[61]. - The group's net profit attributable to shareholders for the first nine months of 2024 was RMB 35,223 million, up from RMB 27,986 million in 2023, representing a growth of 26.1%[61]. Asset and Liability Management - Total assets as of the end of Q3 2024 amounted to RMB 9,416,535 million, reflecting a growth of 4.54% compared to the end of the previous year[4]. - The total liabilities amounted to CNY 8,685.53 billion, up CNY 411.17 billion or 4.97% from the previous year[13]. - Total assets at the end of the reporting period reached CNY 9,416.54 billion, an increase of CNY 409.29 billion or 4.54% year-on-year[13]. - The total liabilities of the group as of September 30, 2024, were RMB 8,685,534 million, an increase of 4.9% from RMB 8,274,363 million at the end of 2023[60]. - The total equity of the group as of September 30, 2024, was RMB 731,001 million, slightly down from RMB 732,884 million at the end of 2023[60]. Credit Quality - The non-performing loan ratio improved to 1.38%, down by 0.10 percentage points from the previous year[4]. - The company reported a decrease in non-performing loan balance and non-performing loan ratio compared to the beginning of the year, indicating a stable operational development trend[12]. - The non-performing loan balance decreased to CNY 73.84 billion, down CNY 0.35 billion from the previous year, with a non-performing loan ratio of 1.38%, a decrease of 0.10 percentage points[14]. - The provision coverage ratio increased to 183.85%, up 10.34 percentage points from the end of the previous year and up 8.48 percentage points from the end of the second quarter[44]. - The company's non-performing loan balance was CNY 73.84 billion, a decrease of CNY 0.35 billion from the end of the previous year and a decrease of CNY 0.91 billion from the end of the second quarter[44]. Operational Efficiency - The weighted average return on equity (ROE) was 1.07%, an increase of 0.50 percentage points year-on-year[6]. - The cost-to-income ratio was reported at 28.00%[13]. - The average return on total assets was 0.39%, up from 0.33% in the same period last year[46]. - The fully diluted return on equity was 5.15%, an increase from 4.27% in the same period last year[46]. Strategic Initiatives - The company is focusing on supporting the real economy and enhancing management effectiveness under the "digital intelligence" strategic framework[12]. - The company aims to maintain a steady growth in asset and liability scale while adhering to regulatory requirements and government policies[12]. - The company has a strong emphasis on the "five major articles" of finance to guide its operational strategies[12]. - The company continues to strengthen its market position through strategic initiatives and operational improvements[12]. - The company aims to strengthen financial services in key areas such as technology finance, supply chain finance, and cross-border finance, focusing on stable growth and optimized credit structure[37]. Technology and Innovation - The company has submitted 1,014 information technology patent applications, with 226 currently authorized, showcasing its commitment to innovation in technology[27]. - The company has developed a technology innovation evaluation system for tech enterprises, utilizing advanced technologies like AI[31]. - The company has implemented a comprehensive digital transformation in supply chain finance, utilizing technologies such as blockchain and big data to enhance service efficiency[23]. Customer and Market Engagement - The company supported over 67,000 technology-based enterprises, with a technology finance loan balance exceeding CNY 570 billion[18]. - The balance of inclusive small and micro enterprise loans reached 453.4 billion yuan, with a total of 335,100 loan accounts[33]. - The supply chain finance business served 3,422 core supply chain customers and 24,758 upstream and downstream supply chain customers, achieving an online supply chain business volume of 156.36 billion yuan, a year-on-year increase of 106.71 billion yuan[32]. - The cross-border active customer count exceeded 35,000, with cumulative cross-border business volume exceeding 3 trillion yuan, and cross-border RMB financing balance reached 135 billion yuan, a year-on-year increase of 89%[34].

会议审议并经表决通过了： 1.《公司关于 2024 年第三季度报告的议案》 公告编号：临2024-061 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 第七届监事会第七十四次会议决议公告 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"）第七届监事会第七十 四次会议于 2024 年 10 月 29 日以书面传签方式召开，会议通知及会议文件于 2024 年 10 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，表决所形成决议合法、有效。 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。 2.《公司 ...

公告编号：临2024-062 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： ● 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 久事（集团）有限公司（简称"久事集团"）、浦银理财有限责任公司（简称"浦 银理财"）分别核定人民币 245 亿元、146 亿元的综合授信额度。 ● 久事集团、浦银理财为公司关联法人，上述交易构成关联交易。 ● 上述交易不构成重大资产重组。 ● 上述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。 ● 上述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。 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法》《 ...

公告编号：临2024-059 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 关于副行长任职资格获核准的公告 丁蔚女士自2024年10月24日起就任公司副行长。 特此公告。 上海浦东发展银行股份有限公司董事会 2024 年 10 月 25 日 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。 近日，上海浦东发展银行股份有限公司（以下简称"公司"）收到《国家金 融监督管理总局关于丁蔚浦发银行副行长任职资格的批复》（金复〔2024〕681 号），国家金融监督管理总局已核准丁蔚女士公司副行长的任职资格。 ...

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个别及连带责任。 上海浦东发展银行股份有限公司（简称"公司"）于 2019 年 10 月 28 日公 开发行了 500 亿元可转换公司债券（简称"可转债"），本次可转债将于 2024 年 10 月 28 日支付 2023 年 10 月 28 日至 2024 年 10 月 27 日期间的利息。根据《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募集说明书》（简称"《募 集说明书》"）有关条款的规定，现将有关事项公告如下： 公告编号：临 2024-058 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"浦发转债"2024 年付息事宜的公告 重要内容提示： 一、本期债券的基本情况 1.债券名称：上海浦东发展银行股份有限公司可转换公司债券 4.证券类型：本次发行证券的种类为可转换为公司普通股（A 股）股票的公 司债券。该可转债及未来转换的公司普 ...

Investment Rating - The report maintains a "Buy" rating for the company, indicating an expected relative increase in stock price of over 15% compared to the CSI 300 index within the next six months [5][6]. Core Insights - The company reported a total operating income of 88.248 billion yuan for the first half of 2024, a year-on-year decrease of 3.27%. However, excluding the one-time factor from the previous year's sale of equity, the income shows a growth of 1.45% [3]. - The net profit attributable to shareholders reached 26.988 billion yuan, reflecting a year-on-year increase of 16.64%. The return on equity (ROE) was 4.17%, up by 0.44 percentage points year-on-year [3]. - Total assets as of the end of the first half of 2024 amounted to 9.25 trillion yuan, representing a 2.74% increase from the end of 2023 [3]. - The company has seen a steady increase in loan amounts, with total loans (excluding accrued interest) reaching 5.31 trillion yuan, a 5.92% increase from the previous year. Corporate loans increased by 9.49% to 3.11 trillion yuan, while retail loans decreased by 1.11% to 1.85 trillion yuan [3]. - The net interest margin was reported at 1.48%, a decrease of 8 basis points year-on-year, but showed resilience with a slight increase of 2 basis points compared to the first quarter of 2024 [3]. - The company has improved its asset quality, with a non-performing loan (NPL) ratio of 1.41%, down 7 basis points from the end of 2023. The NPL ratio in the real estate sector improved significantly to 2.74%, a year-on-year decrease of 1.37% [3]. Financial Projections - Projected operating revenues for 2024-2026 are 171.003 billion yuan, 175.561 billion yuan, and 184.673 billion yuan, respectively. The projected net profits for the same period are 43.598 billion yuan, 47.816 billion yuan, and 53.758 billion yuan [4]. - The book value per share (BVPS) is expected to increase from 25.74 yuan in 2024 to 29.18 yuan in 2026, with corresponding price-to-book (PB) ratios decreasing from 0.33 to 0.29 [4].

Investment Rating - The report maintains a "Buy" rating for the company, indicating an expected relative increase in stock price of over 15% compared to the CSI 300 index in the next six months [5][6]. Core Views - The company reported a total operating income of 88.248 billion yuan for the first half of 2024, a year-on-year decrease of 3.27%. However, excluding the one-time factor from the previous year's sale of equity, the income shows a growth of 1.45% [3]. - The net profit attributable to shareholders reached 26.988 billion yuan, reflecting a year-on-year increase of 16.64%. The return on equity (ROE) was 4.17%, up by 0.44 percentage points year-on-year [3]. - Total assets as of the end of the first half of 2024 amounted to 9.25 trillion yuan, representing a 2.74% increase from the end of 2023 [3]. - The company has seen a steady increase in loan volume, with total loans (excluding accrued interest) reaching 5.31 trillion yuan, a year-on-year increase of 5.92%. Corporate loans increased by 9.49%, while retail loans decreased by 1.11% [3]. - The net interest margin was reported at 1.48%, a decrease of 8 basis points year-on-year, but showed resilience with a slight increase of 2 basis points compared to the first quarter of 2024 [3]. - The company has improved its asset quality, with a non-performing loan (NPL) ratio of 1.41%, down 7 basis points from the end of 2023. The NPL ratio in the real estate sector improved significantly to 2.74%, a year-on-year decrease of 1.37% [3]. Summary by Sections Financial Performance - Operating income for 2024 is projected to be 171.003 billion yuan, with a growth rate of -1.40%. The net profit is expected to be 43.598 billion yuan, reflecting a growth rate of 18.79% [4]. - The projected book value per share (BVPS) for 2024 is 25.74 yuan, with a price-to-book (PB) ratio of 0.33 [4]. Loan and Asset Quality - The company has focused on improving loan quality while maintaining growth, with significant increases in key areas such as technology finance and green credit [3]. - The credit cost has decreased, supporting profit growth, with a year-on-year reduction in impairment provisions by 59.29 billion yuan [3].

公告编号：临2024-057 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 关于可转债转股结果暨股份变动公告 1 转股情况：截至 2024 年 9 月 30 日，累计已有人民币 1,422,000 元浦发 转债转为公司普通股，累计转股股数 97,210 股，占浦发转债转股前公 司已发行普通股股份总额的 0.0003%。 未转股可转债情况：截至 2024 年 9 月 30 日，尚未转股的浦发转债金额 为人民币 49,998,578,000 元，占浦发转债发行总量的比例为 99.9972%。 元/股，公司于 2020 年 7 月 23 日发放了 2019 年年度普通股现金红利，转股价格 由 15.05 元/股调整为 14.45 元/股；公司于 2021 年 7 月 21 日发放了 2020 年年 度普通股现金红利，转股价格由 14.45 元/股调整为 13.97 元/股；公司于 2022 年 7 月 21 日发放了 2021 年年度普通股现金股利，转股价格由 13.97 ...

上海浦东发展银行股份有限公司 关于行长任职资格获核准的公告 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。 公告编号：临2024-056 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。 上海浦东发展银行股份有限公司董事会 2024 年 10 月 7 日 9月30日，上海浦东发展银行股份有限公司（以下简称"公司"）收到《国 家金融监督管理总局关于谢伟浦发银行行长任职资格的批复》（金复〔2024〕642 号），国家金融监督管理总局已核准谢伟先生公司行长的任职资格。 谢伟先生自2024年9月30日起就任公司行长。 ...