上海银行业绩说明会：立足地方、形成差异化竞争优势 打造 “不一样的上海银行”

Core Viewpoint - Shanghai Bank is focusing on high-quality development and innovation transformation in 2025, aiming to enhance its service capabilities and maintain sustainable growth despite economic uncertainties [1][2]. Financial Performance - In 2024, Shanghai Bank achieved an operating income of 52.986 billion yuan, a year-on-year increase of 4.79%, and a net profit attributable to shareholders of 23.560 billion yuan, up 4.50% [2]. - As of the end of 2024, the total assets of the group reached 3,226.656 billion yuan, growing by 4.57% compared to the previous year [2]. - The non-performing loan ratio decreased to 1.18%, down 0.03 percentage points from the end of the previous year, indicating improved asset quality [2]. - In Q1 2025, the bank continued its growth trend with an operating income of 13.597 billion yuan, a 3.85% increase year-on-year, and a net profit of 6.292 billion yuan, up 2.30% [2]. Strategic Focus - The bank aims to integrate into national and regional development strategies, enhancing its service capabilities for Shanghai's "Five Centers" construction and accelerating major project investments in the Yangtze River Delta [3]. - Shanghai Bank is committed to improving its professional service capabilities in areas such as technology finance, inclusive finance, and green finance [4]. - The bank plans to implement financial support policies to boost consumption and develop unique services like family trust and commercial pension products to enhance its wealth brand influence [4]. - Risk management will be a priority, focusing on key areas to maintain stable asset quality and transitioning to data-driven comprehensive risk management [4]. - The bank is also focused on deepening its digital transformation and building a customer-oriented digital operating system [4]. Leadership Vision - The new Party Secretary, Gu Jianzhong, emphasizes the importance of long-term commitment and professional focus to enhance core competitiveness and achieve high-quality development [4].