Group 1 - The first SPV (Special Purpose Vehicle) renewable energy equipment leasing project in China has been successfully implemented, supporting the private sector's role in promoting green and low-carbon development [1] - The project involves financing leasing for a photovoltaic power station by Huizhou TCL Photovoltaic Technology Co., Ltd., marking a significant step in the development of the green energy industry [1] Group 2 - SPD Bank launched its upgraded "Technology Financial Service System 2.0," focusing on seven high-frequency technology activity scenarios to provide comprehensive "financial + non-financial" services [2] - The system aims to create value for technology enterprises through industry research and AI insights [2] Group 3 - Zhejiang Commercial Bank actively participated in the trading of newly launched 3-year and 7-year standard bonds, contributing to the high-quality development of the RMB fixed income market [3] - The bank is committed to building FICC 3.0 to provide continuous and high-quality quotes for various market products [3] Group 4 - Tianjin Bank successfully issued the first green asset-backed commercial paper (ABCP) in the Beijing-Tianjin-Hebei region for 2025, with a total issuance amount of 1.16 billion and 2.38 billion [4] - The underlying assets for this ABCP include green financing leasing assets such as biomass energy thermal power equipment and waste power generation equipment [4] Group 5 - Hangzhou United Rural Commercial Bank has received approval to issue up to 2 billion RMB of perpetual capital bonds, with the issuance to be completed within 24 months [5] - The bank must adhere to relevant regulations and report the issuance status to the Zhejiang Regulatory Bureau within 10 working days after the completion of the bond issuance [5]

Core Viewpoint - The article discusses the "Pu Yin Risk Management" brand by Shanghai Pudong Development Bank, which combines artificial intelligence with expert insights to provide comprehensive risk management services for enterprises and institutions in a volatile global economic environment [1][10]. Group 1: Market Trends and Economic Outlook - The gold market is expected to experience a shift in dynamics by 2025, with traditional influences like real interest rates diminishing and various factors coming into play, leading to potential volatility [2]. - The oil market is anticipated to remain under pressure due to challenges within OPEC+ and increasing supply from non-OPEC countries, alongside slow global economic recovery and the rise of electric vehicles [3]. - The RMB exchange rate is projected to maintain a stable yet fluctuating trend, supported by domestic growth policies and foreign investment inflows, despite ongoing international economic uncertainties [4]. Group 2: Financial Products and Services - The ticket market is expected to play a significant role in supporting the real economy in 2025, aided by proactive fiscal and monetary policies [5][6]. - "Pu Yin Risk Management" offers tailored foreign exchange strategies to help enterprises manage currency risk effectively, utilizing innovative tools like "American-style range options" and "difference settlement" derivatives [8][9]. Group 3: Future Development and Strategy - The company aims to enhance its risk management services by leveraging advanced technologies such as AI and big data to improve market trend predictions and decision-making support [10]. - There is a focus on product innovation in line with national development strategies, particularly in green finance and technological innovation, to better serve the high-quality development of the real economy [10].

Core Insights - Shanghai Pudong Development Bank (SPDB) reported impressive financial results for 2024, with operating income reaching 170.748 billion yuan, a year-on-year increase of 0.92% after excluding one-time factors from the previous year [1] - The bank's total profit amounted to 48.366 billion yuan, reflecting an 18.86% increase year-on-year, while net profit attributable to shareholders rose to 45.257 billion yuan, marking a 23.31% increase and the highest in nearly 12 years [1] - SPDB is committed to ESG principles, actively engaging in green finance and inclusive financial initiatives to support sustainable economic development [1] ESG Initiatives - SPDB integrates party leadership into its ESG actions, aligning its operations with the spirit of the 20th National Congress of the Communist Party of China, enhancing governance structures, and ensuring compliance and ethical standards [2] - The bank has implemented a comprehensive governance framework, linking executive compensation to sustainability metrics and improving transparency in investor communications [2] - SPDB emphasizes compliance and ethical business practices, establishing a robust management system covering various compliance areas to ensure sound operations [2] Green Finance - SPDB has launched the "Pudong Green Innovation" brand, focusing on integrating green finance with real economy services, and enhancing its green finance product offerings [3][4] - The bank introduced a comprehensive service plan for green low-carbon transitions, creating a digital platform that encompasses green finance, carbon finance, and transition finance [4] - By the end of the reporting period, SPDB's green credit balance reached 625.6 billion yuan, a 19.25% increase from the previous year, with significant contributions to carbon reduction projects [4][5] Inclusive Finance - SPDB prioritizes inclusive finance as a key aspect of its ESG strategy, providing tailored support for small and micro enterprises [6] - The bank has optimized its credit policies to enhance lending capabilities and established a digital ecosystem for inclusive finance [6][7] - SPDB actively protects consumer rights and enhances customer satisfaction through various initiatives, including financial literacy programs and community support [7][8]

中国经济网北京4月1日讯 浦发银行（600000）(600000.SH)日前发布2024年年度报告。2024年，浦发银 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%；归属于母公司股东的扣除非经常性损益的净利润442.07亿元，同比增长30.47%；经营活动产生 的现金流量净额为-3336.54亿元，同比减少185.91%。 2024年，浦发银行扭转了净利润下滑的趋势，但营业收入已连降四年。2020年至2023年，浦发银行营业 收入分别为1963.84亿元、1909.82亿元、1886.22亿元、1734.34亿元，同比变动 2.99%、-2.75%、-1.24%、-8.05%；归属于母公司股东的净利润分别为583.25亿元、530.03亿元、511.71 亿元、367.02亿元，同比减少0.99%、9.12%、3.46%、28.28%。 2024年，浦发银行董事长、行长任职资格获监管部门核准。2024年2月，公司收到《国家金融监督管理 总局关于浦发银行张为忠任职资格的批复》，已核准张为忠的董事长、董事任职资格，并正式履职。 2024年9 ...

报告显示，2024年浦发银行实现营业收入1707.48亿元，剔除上年同期出售上投摩根股权一次性因素影 响后，同比增长0.92%。集团实现归属于母公司股东的净利润452.57亿元，同比增长23.31%。 财报显示，集团实现营业收入1707.48亿元，剔除上年同期出售上投摩根股权一次性因素影响后，同比 增长0.92%。值得注意的是，2024年浦发银行实现归属于母公司股东的净利润452.57亿元，同比增长 23.31%。这一显著的利润增长，得益于银行在信贷业务拓展、资产结构优化以及风险管控能力提升等 多方面的综合发力，进一步巩固了其在行业内的竞争力。 信贷增量创下历史新高，全年信贷净增量超过3700亿元。资产质量持续改善，不良贷款余额和不良贷款 率实现"双降"，拨备覆盖率升至2015年以来最高水平。 浦发银行在信贷业务方面表现尤为突出。截至2024年末，集团资产总额达到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%。去年全年，浦发银 行加快优化资产结构，聚焦重点赛道、重点领域、重点区域信贷资产投放，全年信贷净增量超过3700亿 元，创下历史新高。 ...

本报记者 熊悦 见习记者 占健宇 "经过一年来数智化战略的实施，我们对战略更加心中有底，战略框架更加清晰，路径更加明确，战略的方法论安排、具 体措施和策略的选择越来越有成效。"张为忠在业绩说明会上表示。 1991 - 32 12 - 16 - 1 e (1) 薛 宏 立 - 2024年，浦发银行资产负债规模稳步增长，经营效益实现较好增长，资产质量持续改善。报告期内，该行实现营收1707.48 亿元；实现归属于母公司股东的净利润452.57亿元，同比增长23.31%。平均总资产收益率（ROA）为0.50%，较上年上升0.08 个百分点；加权平均净资产收益率（ROE）为6.28%，较上年上升1.07个百分点。资产总额为9.46万亿元，较上年末增长 5.05%。不良贷款率较上年末下降0.12个百分点至1.36%。 数智化战略落地效果显现 2024年是浦发银行实施"1-5-5-5-4-3"数智化战略体系的首个年度。该行管理层表示，这一年，浦发银行的战略实施成效已 经在业绩方面有所显现。 "数智化战略的执行效果在经营业绩上已有所体现。"谢伟表示，战略清晰、措施精准，为全行高质量发展注入了新动能。 2024年全行以数智化 ...

Core Insights - The core viewpoint of the articles emphasizes the successful implementation of the "digital intelligence" strategy by Shanghai Pudong Development Bank (SPDB), leading to significant growth in net profit and overall performance in 2024 [1][2][3]. Financial Performance - In 2024, SPDB achieved a net profit of 45.257 billion yuan, marking a year-on-year increase of 23.31%, the highest growth rate in nearly 12 years [1][2]. - Total assets exceeded 9.46 trillion yuan, reflecting a growth of over 5% year-on-year [2]. - Operating income reached 170.748 billion yuan, showing positive growth after excluding one-time factors from the previous year [2]. Strategic Initiatives - SPDB's "digital intelligence" strategy is aimed at enhancing operational and service capabilities, focusing on customer-centric management [2][3]. - The bank has identified five key strategic areas: technology finance, supply chain finance, inclusive finance, cross-border finance, and financial asset management, to drive its transformation [4]. - The bank's leadership has committed to a "new SPDB, starting again" goal for 2024, with 2025 designated as a year for strategic enhancement [1][3]. Technological Advancements - SPDB has established a robust team of over 6,000 technology professionals and increased its technology investment to 7.169 billion yuan in 2024, a 2.92% increase from the previous year [6]. - The bank is leading in the application of artificial intelligence within the industry, focusing on integrating AI into business processes and enhancing operational efficiency [7]. Market Position and Growth - SPDB's market value increased by over 60% in 2024, indicating strong market expectations for its performance [3]. - The bank has successfully served over 410,000 small and micro-enterprises through its inclusive finance initiatives [5]. - The supply chain finance segment has seen a remarkable growth, with a 133.77% increase in the number of core customers served compared to the previous year [5].

Group 1 - The government work report emphasizes the importance of advancing rural revitalization and accelerating agricultural modernization [1] - The central document focuses on utilizing the "Thousand Villages Demonstration, Ten Thousand Villages Rectification" project experience to effectively promote comprehensive rural revitalization [1] - SPD Bank actively responds to national policies by launching a "5+4+N" financial service system for rural revitalization, focusing on five key areas: agricultural industry chain, agricultural market, urban-rural integration, agricultural technology innovation, and basic agricultural support [1] Group 2 - SPD Bank's Kunming branch has implemented a digital cash management system for grain trading, enhancing transaction efficiency and providing services to nearly 900 members with a total transaction settlement exceeding 6 billion [2] - The Lanzhou branch has customized digital cash management services for the local rural property trading center, serving 8,700 registered users with a transaction volume exceeding 140 million since its launch [2] - SPD Bank provides cash management services for various agricultural product trading markets, supporting smooth transactions in agriculture, forestry, animal husbandry, and fishery sectors [2] Group 3 - SPD Bank has developed the "Pu Zhanggui" smart management platform to enhance the efficiency of agricultural markets, simplifying financial management processes for vendors [3] - The platform addresses challenges in stall rental payments and offers innovative services such as bill collection and QR code payments [3] - The bank also provides "Hui Account" services to farmers in agricultural markets, reducing fees to stimulate market activity [3] Group 4 - SPD Bank focuses on empowering agricultural supply chain construction by addressing pain points in industry development [4] - The Zhengzhou branch provided 520 million in funding support for a large-scale aquatic product logistics project, including various facilities [4] - The bank offers supply chain credit enhancement and financing support to downstream merchants, promoting collaboration within the agricultural supply chain [4] - As of January 2025, SPD Bank's agricultural loan balance has increased by 14% year-on-year, demonstrating its commitment to rural revitalization [4]

Core Insights - Shanghai Pudong Development Bank (SPDB) reported a revenue of 170.748 billion yuan for 2024, reflecting a year-on-year growth of 0.92% after excluding one-time factors from the previous year [1] - The net profit attributable to shareholders reached 45.257 billion yuan, marking a significant year-on-year increase of 23.31% [1] - As of the end of 2024, SPDB's total assets amounted to 9.46 trillion yuan, a growth of 5.05% compared to the previous year, while total liabilities increased by 5.35% to 8.72 trillion yuan [1] - The bank's provision coverage ratio stood at 186.96%, the highest level since 2015 [1] Digital Strategy - The digital intelligence strategy is identified as a key driver of SPDB's performance growth, with 2024 being the inaugural year for this initiative [1] - SPDB invested 7.169 billion yuan in information technology construction, representing a 2.92% increase from the end of 2023, enhancing capabilities in digital infrastructure, products, operations, risk control, and ecosystem [1] - In the field of technology finance, SPDB developed a "Five Forces Model" evaluation system for tech enterprises and served over 71,000 tech companies in 2024, with a loan scale exceeding 600 billion yuan, ranking first among joint-stock banks [2] - The bank has also achieved full-stack domestic computing platform and DeepSeek model applications, leading in the utilization of big data and technology empowerment among joint-stock banks [2] Future Outlook - Looking ahead to 2025, SPDB aims to leverage new-generation artificial intelligence technologies to set a benchmark for digital transformation in the banking industry [2] - The bank plans to build an intelligent foundation integrating computing power, algorithms, platforms, and knowledge to enhance user growth, service capabilities, and customer experience [2]

目录 Contents 专题篇 环境篇 E 社会篇 S G 金融向善 "浦"润实体惠泽民生 52 / 服务实体经济 140 / 未来展望 142 / 附录 | 142 | / | 关键绩效 | 147 | / | 指标索引 | | --- | --- | --- | --- | --- | --- | | 158 | / | 关键数据编制基础 | | | | 治理篇 守正创新 "浦"筑稳健经营根基 "浦"惠于民 安排上了 上海浦东发展银行 02 / 报告说明 04 / 党委书记、董事长致辞 06 / 行长致辞 08 / 关于我们 08 / 公司概况 10 / 企业文化 10 / 发展业绩 11 / 年度荣誉 12 / 坚持党建领航 夯实可持续发展根基 16 / 确立"数智化"战略体系 不断提升核心竞争力 逐绿前行 "浦"绘美丽中国画卷 28 / 绿色金融及环境 （气候）管理体系 36 / 发展绿色金融 45 / 贯彻绿色运营 58 / 服务高水平对外开放 62 / 服务上海"五个中心"建设 66 / 增进民生福祉 79 / 提升金融服务可及性 89 / 保护消费者权益 98 / 人力资源管理 108 / 夯实 ...