浦发银行 不良贷款余额与不良率实现“双降”

Core Insights - The core viewpoint of the article highlights the financial performance of Shanghai Pudong Development Bank (SPDB) for the third quarter of 2025, showcasing growth in total assets, operating income, and net profit, along with improvements in asset quality metrics [1] Financial Performance - As of the end of the reporting period, SPDB's total assets reached 98,922.14 billion yuan, an increase of 4.55% compared to the end of the previous year [1] - For the first three quarters of this year, SPDB achieved operating income of 132.28 billion yuan, reflecting a year-on-year growth of 1.88% [1] - The bank's net profit attributable to shareholders was 38.82 billion yuan, marking a year-on-year increase of 10.21% [1] Loan Growth and Strategic Focus - In the first three quarters, loans in strategic areas such as technology finance, supply chain finance, and green finance accounted for over 70% of the new loan increments [1] - Loans in key regions including the Yangtze River Delta, Beijing-Tianjin-Hebei, Greater Bay Area, and Yangtze Economic Belt made up over 60% of the total loan portfolio [1] Asset Quality Improvement - By the end of the third quarter, SPDB reported a decrease in both non-performing loan (NPL) balance and NPL ratio, achieving a non-performing loan balance of 72.89 billion yuan, which is a reduction of 26.5 million yuan from the end of the previous year [1] - The NPL ratio stood at 1.29%, down by 0.07 percentage points compared to the end of the previous year [1] - The provision coverage ratio reached 198.04%, an increase of 11.08 percentage points, marking the highest level in nearly 10 years [1]