SPD BANK(SH:600000) Ge Long Hui A P P·2025-10-30 15:48Core Insights - Shanghai Pudong Development Bank (SPDB) reported a revenue of 132.28 billion yuan for the first three quarters, reflecting a year-on-year growth of 1.88% [1] - The net profit attributable to shareholders reached 38.82 billion yuan, marking a year-on-year increase of 10.21% [1] Financial Performance - As of the end of September, the non-performing loan balance stood at 72.89 billion yuan, a decrease of 0.265 billion yuan compared to the end of the previous year [1] - The non-performing loan ratio was 1.29%, down by 0.07 percentage points from the end of the previous year [1] - The provision coverage ratio improved to 198.04%, an increase of 11.08 percentage points from the end of the previous year [1] Loan Portfolio - The corporate loan balance (including bill discounting and personal business loans) reached 4,041.41 billion yuan, an increase of 242.35 billion yuan, or 6.38%, from the end of the previous year [1] - Retail loans (excluding personal business loans) amounted to 1,504.72 billion yuan, up by 41.59 billion yuan, or 2.84%, from the end of the previous year [1] Mortgage Loans - The personal housing loan balance was 884.00 billion yuan, reflecting a growth of 2.88% compared to the end of the previous year [1] - New personal housing loans issued in key regions such as the Yangtze River Delta, Bohai Rim, Greater Bay Area, Western Triangle, and Central Yangtze River region accounted for 87.70% of the total new personal housing loans, an increase of 3.38 percentage points year-on-year [1]