公告编号：临2025-078 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 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。 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》《上 海证券交易所股票上市规则》，以及《公司章程》《公司关联交易管理办法》等相 关规定，上海浦东发展银行股份有限公司（以下简称"公司"）核定：给予中国 信达资产管理股份有限公司（以下简称"信达资产集团"）综合授信额度人民币 1,098.92 亿元，授信有效期 3 年；给予百联集团有限公司（以下简称"百联集 1 ● 交易简要内容：公司拟为信达资产集团、百联集团、浦银金租、浦银理 财、浦银国际分别核定人民币 1,098.92 亿元、人民币 160 亿元、人民币 275 亿元、人民币 148.7 亿元、港币 135.01 亿元的综合授信额度。 ● 信达资产集团、百联集团、浦银金租、浦银理财、浦银国际为公司关联 法人，前述交易构成关联交易 ...

公告编号：临2025-077 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 上海浦东发展银行股份有限公司 监事会 2025 年第十二次会议决议公告 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年第十二 次会议于2025年12月25日以书面传签方式召开，会议通知及会议文件于2025年12 月15日以电子邮件方式发出。应参加会议监事8名，实际参加会议监事8名，符合 《公司法》及《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.《公司关于向上海启源国资创新策源公益基金会等捐赠事项的议案》 同意：8票 弃权：0票 反对：0票 2.《公司关于修订<规章制度管理办法>的议案》 同意：8票 弃权：0票 反对：0票 3.《公司关于2025年度外包范围变更的议案》 同意：8票 弃权：0票 反对：0票 6.《公司关于与中国信达资产管理股份有限公司关联交易的议案 ...

董事会 2025 年第十三次会议决议公告 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。 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 上海浦东发展银行股份有限公司 上海浦东发展银行股份有限公司（以下简称"公司"）董事会2025年第十三 次会议于2025年12月25日以书面传签方式召开，会议通知及会议文件于2025年12 月15日以电子邮件方式发出。应参加会议董事13名，实际参加会议董事13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.《公司关于向上海启源国资创新策源公益基金会等捐赠事项的议案》 同意：13票 弃权：0票 反对：0票 公告编号：临2025-076 4.《公司关于2025年度第二次预期信用损失法模型优化和参数更新的议案》 同意：13票 弃权：0票 反对：0票 5.《公司关于金融机构及非一般公司类客户信用评级模型 ...

Market Overview - On December 26, the share price of the banking sector fell by 0.18% compared to the previous trading day, with CITIC Bank leading the decline [1] - The Shanghai Composite Index closed at 3963.68, up 0.1%, while the Shenzhen Component Index closed at 13603.89, up 0.54% [1] Individual Bank Performance - Industrial Bank (601166) closed at 21.14, up 0.48% with a trading volume of 502,900 shares and a transaction value of 1.061 billion [1] - Zhejiang Commercial Bank (601916) closed at 3.05, up 0.33% with a trading volume of 517,800 shares and a transaction value of 158 million [1] - Minsheng Bank (600016) closed at 3.86, unchanged with a trading volume of 1,465,600 shares and a transaction value of 566 million [1] - Ping An Bank (000001) closed at 11.54, down 0.17% with a trading volume of 436,300 shares and a transaction value of 504 million [1] - China Merchants Bank (600036) closed at 41.70, down 0.19% with a trading volume of 508,800 shares and a transaction value of 2.124 billion [1] - Everbright Bank (601818) closed at 3.51, down 0.28% with a trading volume of 1,266,100 shares and a transaction value of 444.1 million [1] - Shanghai Pudong Development Bank (600000) closed at 11.72, down 0.42% with a trading volume of 298,200 shares and a transaction value of 350 million [1] - Huaxia Bank (600015) closed at 6.82, down 0.44% with a trading volume of 313,100 shares and a transaction value of 214 million [1] - CITIC Bank (601998) closed at 7.42, down 0.80% with a trading volume of 288,100 shares and a transaction value of 214 million [1] Fund Flow Analysis - The banking sector saw a net inflow of 448 million from main funds, while retail funds experienced a net outflow of 231 million and 217 million respectively [1] - In terms of individual banks, China Merchants Bank had a main fund net inflow of 241 million, while retail funds saw a net outflow of 79.09 million [2] - Industrial Bank had a main fund net inflow of 159 million, with retail funds experiencing a net outflow of 108 million [2] - Shanghai Pudong Development Bank recorded a main fund net inflow of 62.09 million, while retail funds had a net outflow of 776,980 [2] - Everbright Bank had a main fund net inflow of 39.78 million, with retail funds seeing a net outflow of 1.45 million [2] - Ping An Bank had a main fund net inflow of 29.27 million, while retail funds experienced a net outflow of 4.01 million [2] - Minsheng Bank had a significant main fund net outflow of 67.19 million, but retail funds saw a net inflow of 27.19 million [2]

近日，国家金融监督管理总局发布一系列行政处罚信息，上海浦东发展银行股份有限公司及相关责任人 员因理财、代销等业务管理不审慎、员工管理不到位等问题，被处以罚款1560万元。同时，相关责任人 高红、何刚、陈从治、孔令孜、任威、黄乃嘉被警告并罚款共计30万元。穆矢、杨再斌等7名人员被处 以禁止从事银行业工作5年至15年不等的处罚。 本次浦发银行接到的罚单，对比10月的罚单，尤其值得注意的是对个人的禁业处罚。要知道，此前监管 对个人的处罚多为警告、罚款、取消任职资格等，禁业处罚是较为严厉的行政处罚措施。这透露出监管 层面对浦发银行代理业务等违法违规行为的"零容忍"，对于严重违反信贷业务审慎经营规则的相关责任 人员坚决重拳出击的信号。 这已经不是浦发银行近期首次收到监管罚单。12月15日，国家金融监督管理总局云南监管局对上海浦东 发展银行昆明分行因贷款"三查"严重不尽职，处以50万元罚款；对其相关分支另处70万元罚款，责任人 李仙周、张昱被警告。11月25日，浦发银行龙岩分行因"个人贷款贷前调查不尽职、贷后管理不到位 等"，被龙岩金融监管分局罚款70万元。而更早的10月31日，浦发银行因相关互联网贷款、代销等业务 管理 ...

Core Viewpoint - Xidi Zhijia officially listed on the Hong Kong Stock Exchange, becoming the world's first publicly traded autonomous mining truck company, highlighting the potential of the autonomous driving sector [3] Group 1: Company Development - Xidi Zhijia was founded in 2018 by experts from Hong Kong University of Science and Technology and Silicon Valley, initially requiring financial support during its early stages [6] - The company has evolved into a leading autonomous driving enterprise in China, achieving commercialization solutions in closed environments, urban roads, and intercity roads [9] Group 2: Financial Support and Partnership - SPD Bank provided crucial financial support during Xidi Zhijia's startup phase, utilizing government risk compensation funds to facilitate initial funding [6] - SPD Bank expanded credit limits through the "Specialized, Refined, and New Little Giant Loan" to support Xidi Zhijia's technology research, market expansion, and capacity enhancement [7] - As Xidi Zhijia approached its IPO, SPD Bank leveraged its comprehensive service advantages to assist in the company's entry into the international capital market [7] Group 3: Future Collaboration - Post-IPO, Xidi Zhijia plans to deepen collaboration with SPD Bank in industrial finance and capital operations, aiming to create new value together [9] - SPD Bank is committed to providing professional and warm financial services to support more technology companies in their innovative endeavors [11]

Core Viewpoint - The pace of mergers and restructuring among village banks is accelerating, with 226 banks exiting the market in 2025, which is 2.72 times the number in 2024 [1][2]. Group 1: Mergers and Restructuring - The number of village banks that have exited the market has increased rapidly, with 83 banks in 2024, 9 in 2023, and 8 in 2022 [2]. - The main models for the mergers and restructuring of village banks this year are "village to branch" and "village to division" [4]. - The "village to branch" model involves the absorption and merger of village banks by their main initiating banks, allowing for a smooth transition of assets, liabilities, and operations [5]. Group 2: Participation of Major Banks - In 2023, major state-owned banks began participating in the "village to branch" model, with the Industrial and Commercial Bank of China acquiring Chongqing Bishan Rural Bank as the first instance [6]. - Other major banks, including Minsheng Bank and Shanghai Pudong Development Bank, have also engaged in the acquisition of village banks [6][7]. - The involvement of larger banks is seen as beneficial for both their development and the risk management of village banks [7]. Group 3: Market Exit and Future Trends - The central economic work conference emphasized the need to continue reducing and improving the quality of small financial institutions, accelerating the exit of village banks [9]. - Industry experts predict that the pace of village bank exits will continue to increase in 2026, focusing on market-oriented restructuring and improving corporate governance [10]. - The case of Sichuan Yilong Huimin Rural Bank, which has maintained its operations for 18 years, highlights the potential for some banks to thrive by focusing on niche markets and local service [10].

Group 1 - The banking sector saw a slight increase of 0.12% on December 25, with Minsheng Bank leading the gains [1] - The Shanghai Composite Index closed at 3959.62, up 0.47%, while the Shenzhen Component Index closed at 13531.41, up 0.33% [1] - The trading volume for Minsheng Bank was 2.2674 million shares, with a transaction value of 873 million yuan [1] Group 2 - The net inflow of main funds in the banking sector was 122 million yuan, while retail funds experienced a net outflow of 69.36 million yuan [1] - The detailed fund flow for individual banks shows that Ping An Bank had a net inflow of 51.47 million yuan from main funds [2] - Industrial Bank experienced the highest net outflow from main funds at 70.30 million yuan [2]

Core Insights - Chinese banks are expanding their overseas presence, establishing a comprehensive service network that covers major financial centers globally and key regions along the Belt and Road Initiative [1][4] - The internationalization strategy of Chinese banks has shifted from focusing primarily on traditional markets in Europe and the US to emerging markets in Southeast Asia, the Middle East, Latin America, and countries involved in the Belt and Road Initiative [1][9] Group 1: Overseas Expansion Strategies - Chinese banks utilize three main forms for overseas expansion: representative offices, branches, and subsidiaries, with larger banks often establishing branches or subsidiaries in mature markets and starting with representative offices in emerging markets [2][4] - The distribution of overseas institutions varies among banks, with a notable focus on new emerging markets and developing countries [2][4] Group 2: Performance of Major Banks - Bank of China leads in global presence with 539 overseas branches in 64 countries, including 45 countries involved in the Belt and Road Initiative, and has a strong focus on enhancing its competitive edge in Southeast Asia [4][12] - Industrial and Commercial Bank of China has 413 overseas institutions in 49 countries, with a significant presence in 30 Belt and Road countries, showcasing a flexible internationalization strategy [4][12] - Agricultural Bank of China has established 13 branches and 4 representative offices, focusing on supporting high-quality Belt and Road initiatives [4][12] Group 3: Revenue Growth and Performance Metrics - In the first half of 2025, Bank of China reported overseas revenue of 783.13 billion yuan, a 14.4% increase from the previous year, with overseas revenue accounting for 23.77% of total revenue [11][12] - Agricultural Bank of China achieved a 21.03% increase in overseas revenue, while Construction Bank's overseas revenue grew by 40.92%, indicating strong expansion momentum [12][14] - Shanghai Pudong Development Bank's overseas revenue surged by 119.37%, marking a significant growth and highlighting the effectiveness of its international strategy [14] Group 4: Challenges and Market Dynamics - Chinese banks face regulatory challenges in overseas markets, including compliance with both domestic and foreign regulations, which can lead to significant penalties [15][19] - The demand from Chinese enterprises for overseas financial services is evolving, with a shift towards more complex needs such as global treasury management and cross-border mergers and acquisitions [16][17] - Small and medium-sized enterprises are becoming a key growth driver for overseas financial services, emphasizing the need for lower financing thresholds and cost-effective payment solutions [16][17] Group 5: Future Directions and Strategic Focus - The future competitiveness of Chinese banks in international markets will depend on enhancing global collaboration, improving localization capabilities, and strengthening compliance risk management [18][19] - Emphasis on financial technology innovation and the development of cross-border digital infrastructure will be crucial for expanding their international footprint [19]

Core Insights - Chinese banks are expanding their overseas presence, establishing a comprehensive service network that covers major financial centers globally and key regions along the Belt and Road Initiative [1][2] - The internationalization strategy of Chinese banks has shifted from traditional markets in Europe and the US to emerging markets in Southeast Asia, the Middle East, Latin America, and countries involved in the Belt and Road Initiative [1][2] Group 1: Global Expansion Strategy - Chinese banks are utilizing representative offices, branches, and subsidiaries for overseas expansion, with larger banks often establishing branches in mature markets and starting with representative offices in emerging markets [2] - The distribution of overseas institutions shows that major state-owned banks are leading the expansion, with a focus on both traditional and emerging markets [2][4] Group 2: Performance Metrics - As of June 2025, Bank of China leads with 539 overseas branches in 64 countries, including 45 Belt and Road countries, showcasing its extensive global network [4] - Industrial and Commercial Bank of China follows with 413 overseas institutions in 49 countries, including 250 in Belt and Road countries, demonstrating a flexible international strategy [4] - Agricultural Bank of China has established 13 branches and 4 representative offices, focusing on supporting high-quality Belt and Road initiatives [4] Group 3: Revenue Growth and Market Dynamics - In the first half of 2025, Bank of China reported overseas revenue of 783.13 billion yuan, a 14.4% increase from the previous year, with overseas revenue accounting for 23.77% of total revenue [12] - Industrial and Commercial Bank of China's overseas revenue was 562.52 billion yuan, showing a slight decline of 1.88%, while Agricultural Bank of China experienced a 21.03% increase [12][11] - The growth of overseas revenue among joint-stock banks, such as Shanghai Pudong Development Bank, which saw a 119.37% increase, highlights the varying performance across banks [14] Group 4: Challenges and Future Directions - Chinese banks face regulatory challenges in overseas markets, including compliance with both domestic and foreign regulations, which can lead to significant penalties [15] - The demand for diversified financial services is evolving, with a shift from traditional trade financing to more complex needs such as global treasury management and cross-border mergers [16] - Future competitiveness will depend on enhancing global collaboration, local operational capabilities, compliance risk management, and financial technology innovation [18][19]