| 优先股代码：360029 | | 优先股简称：上银优 1 | | | --- | --- | --- | --- | | 证券代码：601229 可转债代码：113042 | 证券简称：上海银行 | 公告编号：临 可转债简称：上银转债 | 2025-013 | 上海银行股份有限公司估值提升计划 上海银行股份有限公司（以下简称"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。 估值提升计划制定背景及审议程序：根据中国证券监督管理委员会（简 称"证监会"）《上市公司监管指引第 10 号——市值管理》相关规定， 公司制定了估值提升计划，并经公司董事会 2025 年第三次会议审议通 过。 估值提升计划概述：本估值提升计划围绕提升经营管理、稳定分红预期、 加强投关活动、完善信息披露、寻求主要股东支持及鼓励管理层增持等 一系列措施，聚焦提升公司投资价值和股东回报能力，推动公司投资价 值合理反映公司质量，增强投资者信心，维护全体股东利益，促进公司 高质量发展。 相关风险提示：本估值提升计划仅为公司行动计划，不代表公司对业绩、 股价、重 ...

Summary of Conference Call Records Industry Overview - The conference call discusses the performance of the banking industry, specifically focusing on the 23 listed banks in the United States and their financial metrics for the year 2024 [1][2]. Key Points and Arguments 1. **Revenue and Profit Growth**: The listed banks achieved an average revenue growth of 1.8% year-on-year for 2024, which is an improvement of 0.9 percentage points compared to the first three quarters of 2023. However, the net interest income for the year decreased by 2.3% [1][2]. 2. **Commission Income Recovery**: The banks experienced a 9.3% year-on-year recovery in commission net income, although retail financial demand remains weak, impacting overall income [2][3]. 3. **Debt Market Contribution**: The trading segment of banks contributed significantly to revenue, with a 28% increase in related income for the year, partially offsetting revenue pressures [2][3]. 4. **Asset Growth and Loan Performance**: By the end of 2024, the asset growth rate for listed banks decreased by 0.8 percentage points to 7.2%, while loan growth fell by 0.3 percentage points to 7.7% [4][5]. 5. **Interest Margin Pressure**: The pricing of assets is expected to continue influencing the interest margin levels, with ongoing negative impacts likely to keep margins under pressure [5][6]. 6. **Asset Quality Stability**: The overall asset quality of the banking sector remains stable, with a non-performing loan ratio of 1.25% and a coverage ratio of 236%, although specific sectors like retail and real estate are under scrutiny for potential risks [5][6][8]. 7. **Real Estate Loan Performance**: Among the 16 banks, 11 reported a decrease in the non-performing loan ratio for real estate loans, with notable exceptions like Zhengzhou Bank, which saw an increase to 9.55% [8][9]. 8. **Dividend Policies**: Citic Bank reported the largest increase in dividend payout ratio, rising by 30.5% in 2024. The overall stability of dividend rates is expected to be maintained, providing a focus on shareholder value [10][11]. 9. **Investment Opportunities**: Recommendations include focusing on regional banks benefiting from policy effectiveness and economic recovery, as well as high-dividend stocks like Industrial and Commercial Bank of China and Bank of China [11]. Other Important Insights - The call highlighted the importance of monitoring macroeconomic conditions and consumer financial demand, which are critical for future growth and risk assessment in the banking sector [7][9]. - The potential for policy changes affecting the real estate market and overall economic recovery was emphasized as a key factor for future performance [9][11].

| 证券代码：601229 | 证券简称：上海银行 | 公告编号：临 2025-012 | | --- | --- | --- | | 优先股代码：360029 | | 优先股简称：上银优 1 | | 可转债代码：113042 | | 可转债简称：上银转债 | 上海银行股份有限公司 关于可转债转股结果暨股份变动公告 上海银行股份有限公司（以下简称"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、上银转债发行上市概况 经中国证券监督管理委员会《关于核准上海银行股份有限公司公开发行可转 换公司债券的批复》（证监许可〔2020〕3172 号）核准，公司于 2021 年 1 月 25 日公开发行了 20,000 万张可转换公司债券（以下简称"可转债"），每张面值 人民币 100 元，按面值发行，发行总额人民币 200 亿元，期限 6 年。 经上海证券交易所自律监管决定书〔2021〕52 号文同意，公司人民币 200 亿元可转债于 2021 年 2 月 10 日起在上海证券交易所挂牌交易，债券简称"上银 转债"， ...

Financial Performance Summary - The company reported a total operating income of 52.986 billion RMB for 2024, representing a year-on-year increase of 4.79% compared to 50.564 billion RMB in 2023 [1] - The net profit attributable to shareholders of the parent company reached 23.560 billion RMB, marking a 4.50% increase from 22.545 billion RMB in the previous year [1] - The total assets of the company at the end of 2024 amounted to 322.666 billion RMB, reflecting a growth of 4.57% from 308.552 billion RMB at the end of 2023 [1] Key Financial Ratios - The basic earnings per share increased to 1.60 RMB, up 4.58% from 1.53 RMB in the previous year [1] - The non-performing loan ratio improved to 1.18%, a decrease of 0.03 percentage points from 1.21% at the end of the previous year, continuing a downward trend for two consecutive years [2] - The provision coverage ratio stood at 269.81%, indicating a sufficient overall provision level [2] Operational Highlights - The company emphasized its commitment to accelerating transformation and structural adjustments, enhancing service quality to the real economy, and advancing digital construction [2] - The growth rate of operating income in 2024 improved by 4.11 percentage points compared to the first three quarters of the year, indicating a positive trend in operational performance [2]

Financial Performance - In 2024, the company achieved operating income of RMB 52.986 billion, a year-on-year increase of 4.79%[3] - The net profit attributable to shareholders of the parent company reached RMB 23.560 billion, reflecting a growth of 4.50% compared to 2023[3] - Basic earnings per share were RMB 1.60, up 4.58% from RMB 1.53 in 2023[3] - The weighted average return on equity decreased to 10.01%, down by 0.35 percentage points from the previous year[3] - The net assets attributable to shareholders of the parent company increased to RMB 254.193 billion, a rise of 6.54% year-on-year[3] Asset and Loan Management - Total assets as of December 31, 2024, amounted to RMB 322.666 billion, representing a 4.57% increase from the previous year[3] - Customer loans and advances totaled RMB 1,405.756 billion, an increase of 2.09% year-on-year[5] - Total deposits reached RMB 1,710.032 billion, marking a 4.27% growth compared to the previous year[5] Risk Management - The non-performing loan ratio decreased to 1.18%, down by 0.03 percentage points from the end of 2023, continuing a downward trend for two consecutive years[5] - The provision coverage ratio stood at 269.81%, indicating a sufficient overall provision level[5]

Core Viewpoint - The China Securities Shanghai State-Owned Enterprises Index has experienced a decline, reflecting the overall performance of state-owned enterprises in Shanghai, with significant weight in financial and industrial sectors [1][2][3]. Group 1: Index Performance - The China Securities Shanghai State-Owned Enterprises Index fell by 0.16%, closing at 1328.54 points with a trading volume of 14.863 billion yuan [1]. - Over the past month, the index has decreased by 2.10%, by 6.29% over the last three months, and by 6.30% year-to-date [2]. Group 2: Index Composition - The top ten weighted stocks in the index include China Pacific Insurance (8.2%), Shanghai Airport (6.3%), Guotai Junan Securities (5.49%), Shanghai Bank (4.77%), and Shanghai Electric (3.57%) [2]. - The index is composed entirely of stocks listed on the Shanghai Stock Exchange, with financials making up 28.18%, industrials 23.95%, and consumer discretionary 12.50% of the holdings [3]. Group 3: Index Adjustment and Management - The index samples are adjusted biannually, with changes implemented on the next trading day following the second Friday of June and December [3]. - In special circumstances, the index may undergo temporary adjustments, such as removing stocks that are delisted or adjusting for mergers and acquisitions [3].

Core Viewpoint - The People's Bank of China Shanghai Headquarters is actively promoting the development of green finance by enhancing product offerings and financial services to channel more resources into the green low-carbon sector, with significant growth in green loans and innovative financial products [1][2][4]. Group 1: Green Loan Growth - As of the end of 2024, the balance of green loans in Shanghai is expected to exceed 1.4 trillion yuan, with a year-on-year growth rate of over 20%, which is more than 10 percentage points higher than the growth rate of all loans [1]. - In 2024, the People's Bank of China Shanghai Headquarters is projected to issue 5.94 billion yuan in carbon reduction support tool funds and support new carbon reduction loans totaling 20.4 billion yuan, leading to an estimated annual CO2 reduction of 364,000 tons [2]. Group 2: Policy Framework and Support Mechanisms - The People's Bank of China Shanghai Headquarters is optimizing the green finance incentive and constraint mechanisms, including the expansion of the carbon reduction support tool pilot areas, which now includes 17 sub-sectors from the 2024 version of the "Green Low-Carbon Transition Industry Guidance Directory" [2][3]. - A quarterly evaluation of green finance practices among local financial institutions is conducted, and the results are incorporated into the central bank's financial institution ratings [3]. Group 3: Diversification of Green Financial Products - Financial institutions in Shanghai are encouraged to develop diverse green financial products, including environmental rights pledge financing and loans linked to carbon performance indicators [4][7]. - The Shanghai branch of the China Construction Bank has launched the "Jian Carbon Loan" product, while the Shanghai Rural Commercial Bank has issued the first "Water Saving Benefit" loans aimed at water resource utilization and infrastructure upgrades [4]. Group 4: Green Bonds and Other Financial Innovations - In 2024, 35 green bonds were issued by enterprises in Shanghai in the interbank market, with a total issuance scale of 27.19 billion yuan [7]. - The Shanghai branch of Industrial and Commercial Bank of China issued and underwrote the first domestic green bond in the pulp industry, marking a significant milestone in green finance [7].

证券代码：601229 证券简称：上海银行 公告编号：临 2025-009 优先股代码：360029 优先股简称：上银优 1 可转债代码：113042 可转债简称：上银转债 上海银行股份有限公司 关于诉讼事项进展的公告 上海银行股份有限公司（以下简称"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、本次诉讼事项基本情况 2023年10月，公司深圳分行（以下简称"原告"）与深圳托吉斯科技有限公 司（以下简称"被告一"）、深圳深业物流集团股份有限公司（以下简称"被告 二"）、托吉斯集团有限公司（以下简称"被告三"）、深圳市宝能投资集团有 限公司（以下简称"被告四"）、宝能控股（中国）有限公司（以下简称"被告 五"）、姚振华（以下简称"被告六"）金融借款合同纠纷一案被广东省深圳市 中级人民法院受理。具体诉讼情况详见公司于2023年10月14日披露的《上海银行 股份有限公司关于诉讼事项的公告》（编号：临2023-041）。 二、本次诉讼事项的进展情况 2025年3月20日，原告收到《广东省深圳市中级人民法院民事 ...

国泰君安证券股份有限公司 关于上海银行股份有限公司关联交易事项的专项核查意见 国泰君安证券股份有限公司（以下简称"保荐机构"）作为上海银行股份有 限公司（以下简称"公司"）持续督导的保荐机构，根据《证券发行上市保荐业 务管理办法》《上海证券交易所股票上市规则》《上海证券交易所上市公司自律 监管指引第11号——持续督导》等法律、法规及规范性文件的要求，对公司关联 交易事项进行了认真、审慎的核查，核查情况如下： 一、关联交易概述 （一）与联和投资的关联交易 经公司董事会2025年第二次会议审议通过，同意吸收上海联和投资有限公司 （以下简称"联和投资"）及相关企业存款，自董事会审议通过日起至2026年3 月31日，存款日均余额不超过折合人民币100亿元，联和投资及相关60家企业共 同使用上述额度。 联和投资及相关企业属于公司关联方，本次交易构成关联交易。 （二）与上港集团的关联交易 1、经公司董事会2025年第二次会议审议通过，同意吸收上海国际港务（集 团）股份有限公司（以下简称"上港集团"）及相关企业存款，自董事会审议通 过日起至2026年3月31日，存款日终余额不超过折合人民币150亿元，上港集团及 相关33家 ...