浦发银行三季报净利润增10%，不良贷款双降

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) reported a net profit growth of over 10% for the first three quarters of 2025, indicating a positive financial performance despite a challenging economic environment [1] Financial Performance - The bank achieved an operating income of 132.28 billion yuan, representing a year-on-year increase of 1.88% [1] - The net profit attributable to shareholders reached 38.82 billion yuan, with a year-on-year growth of 10.21% [1] Asset Quality - SPDB implemented a "control new and reduce old" strategy, enhancing the application of big data models in risk management [1] - The non-performing loan (NPL) balance decreased to 72.89 billion yuan, down by 0.265 billion yuan compared to the end of the previous year [1] - The NPL ratio improved to 1.29%, a decrease of 0.07 percentage points from the end of the previous year [1] - The provision coverage ratio increased to 198.04%, up by 11.08 percentage points from the end of the previous year, indicating enhanced risk mitigation capacity [1]