日前，浦发银行（600000）披露2025年半年度报告。 报告显示，今年上半年该行以金融"五篇大文章"为行动纲领，深度融入上海"五个中心"建设，紧扣"数 智化"战略核心，实现各项业务稳健向好，营收利润实现双增。 浦发银行行长谢伟在业绩发布会上表示，今年是浦发银行"数智化"战略的提升年。上半年，浦发银行坚 持高目标引领、高质量发展、高效率协同的"三高"要求，延续过去一年乃至今年一季度以来的向好发展 态势，多项核心经营指标取得进一步改善。 营收净利实现双增 "数智化"战略成效详解 上半年，浦发银行"五大赛道"业务品牌全面打响，呈现出科技引领、数据驱动、敏捷响应三大特征，成 为该行贷款投放和业务增长的重要引擎。 以科技金融赛道为例，浦发银行构建"集团大科创"服务体系，焕新升级"科技金融服务体系2.0""浦科并 购贷2.0"，推出"浦科出海"专属服务方案，设立科技特色支行，为科技企业提供全生命周期、全链路的 金融服务。 截至6月末，该行服务科技型企业超24万户，全国科创板上市企业超七成，战略新兴产业上市公司超八 成；科技金融贷款(人行统计口径)增长超千亿元，余额突破万亿元，居股份制银行前列。 财报信息显示，今年上半年 ...

Core Viewpoint - The article highlights the strong performance of Shanghai Pudong Development Bank (SPDB) in the first half of 2025, driven by its "digital intelligence" strategic transformation, which focuses on enhancing operational efficiency and service to the real economy [1][3]. Financial Performance - In the first half of 2025, SPDB achieved a revenue of 90.559 billion yuan, a year-on-year increase of 2.62%, and a net profit attributable to shareholders of 29.737 billion yuan, up 10.19% [3]. - As of June 30, 2025, the total assets of SPDB reached 9.6458 trillion yuan, growing by 1.94% from the end of the previous year, with total loans amounting to 5.6349 trillion yuan, an increase of 4.51% [3]. - The total liabilities of SPDB were 8.8445 trillion yuan, up 1.46%, with total deposits reaching 5.5943 trillion yuan, a growth of 8.71% [3]. Asset Quality - SPDB's non-performing loan ratio was 1.31%, a decrease of 0.05 percentage points from the end of the previous year, marking five consecutive years of decline [4]. - The provision coverage ratio improved to 193.97%, an increase of 7.01 percentage points, indicating enhanced risk resistance [4]. Strategic Initiatives - SPDB is advancing its "five major tracks" strategy, which is integral to its "digital intelligence" transformation, focusing on technology finance, supply chain finance, inclusive finance, cross-border finance, and financial asset management [5][6]. - The bank has served over 240,000 technology enterprises and has seen a significant increase in technology finance loans, surpassing 1 trillion yuan [6]. - In supply chain finance, SPDB has serviced 27,633 clients, with online supply chain business volume reaching 358.265 billion yuan, a year-on-year increase of 382.82% [6]. Regional Development - SPDB is enhancing its presence in the Yangtze River Delta region, with over 80% coverage of the top 100 counties and a loan total of 1.98 trillion yuan, up 7.50% [9]. - The bank supports key industries in Shanghai, including integrated circuits and biomedicine, with significant growth in FT deposits and loans [9]. Mergers and Acquisitions - SPDB launched the "Pu Ying Mergers and Acquisitions" brand, with domestic and foreign merger loan balances reaching 226.7 billion yuan, a growth of 9.19% [10]. - The bank's new merger loans issued in the first half of the year amounted to 51.8 billion yuan, a year-on-year increase of 19.67% [10]. Green Finance and Pension Services - SPDB's green loan balance reached 671.984 billion yuan, growing by 17.75%, positioning it among the leaders in the sector [10]. - The bank has expanded its pension financial services, with personal pension accounts growing to 1.5533 million, an increase of over 50% [10].