Core Viewpoint - The article highlights that among nine A-share listed commercial banks, only Shanghai Pudong Development Bank (SPDB) achieved growth in both revenue and net profit for the first three quarters of 2025, with a revenue of 132.28 billion yuan and a net profit of 38.8 billion yuan, marking a year-on-year increase of 1.88% and a leading net profit growth rate exceeding 10% among peers [1][7]. Management Changes - SPDB has undergone significant management changes, particularly in its retail banking division, with key appointments including Zhang Ruilin as the Director of Retail Business and General Manager of the Retail Business Department [1]. - Li Zhi has been appointed as the General Manager of the Retail Credit Department, while other notable changes include the appointment of various branch vice presidents to new roles within the bank [2][3]. Business Performance - As of September 2025, SPDB's personal deposit balance reached 1.717 trillion yuan, an increase of 166.85 billion yuan or 10.76% from the end of the previous year [4]. - Retail loans (excluding personal business loans) amounted to 1.504 trillion yuan, reflecting a growth of 2.84% [4]. - The bank's asset management scale in wealth management and private banking reached 3.19 trillion yuan, with a net increase of 503.06 billion yuan, and intermediary business income grew by 15.4% year-on-year [4]. Financial Metrics - SPDB's total assets as of September 2025 were 9.892 trillion yuan, an increase of 430.33 billion yuan or 4.55% from the end of the previous year [6]. - The bank's group loan total (including bill discounting) increased by 280.6 billion yuan, a growth of 5.20% [7]. - The total deposits of the group rose by 472.76 billion yuan, a growth of 9.19%, while the average interest rate on deposits decreased by 38 basis points compared to the same period last year [8].