获奖机构 中信银行信用卡中心 上海浦东发展银行股份有限公司深圳分行 获奖理由 中信银行信用卡中心 颁奖词 积极助力"多层次"养老金融服务体系建设，创新产品与服务，针对性增加养老金融产品供给，推动养老 金融服务更加丰富多元。 中信银行信用卡中心推出幸福年华信用卡，聚焦中老年全生命周期养老需求，构建"金融+健康+生 活"多场景权益体系。配套长辈版App、24小时管家、一键转人工等适老化服务，践行"让财富有温 度"理念，助力"养老"向"享老"升级，完善养老金融布局。 上海浦东发展银行股份有限公司深圳分行 浦发银行深圳分行打造"浦颐金生"养老金融品牌，构建"金融+健康+生活"全方位生态。设立3个养老金 融工作室与健康小站，组建"敬老联盟"，推出银发专属产品与适老化服务，提供上门服务及反诈科普。 ...

Core Insights - Shanghai Pudong Development Bank (SPDB) reported a revenue of 132.28 billion yuan and a net profit of 38.82 billion yuan for the first three quarters of 2025, reflecting a year-on-year growth of 1.88% and 10.21% respectively [1] - The bank is focusing on a "digital intelligence" strategy, emphasizing strong sectors, optimized structure, risk control, and efficiency improvement to support the real economy [1][2] Financial Performance - SPDB's total assets reached 9.89 trillion yuan, a 4.55% increase from the end of the previous year, with total loans (including discounted bills) amounting to 5.67 trillion yuan, up by 5.20% [2] - The bank's total liabilities grew by 3.83% to 90.51 trillion yuan, with deposits increasing by 9.19% to 56.19 trillion yuan [2] - Non-performing loans decreased to 72.89 billion yuan, with a non-performing loan ratio of 1.29%, down by 0.07 percentage points [2] Strategic Focus - SPDB is implementing a "shaped arrow" regional strategy, concentrating on the Yangtze River Delta, Beijing-Tianjin-Hebei, and the Greater Bay Area, with over 60% of loans allocated to these key regions [3] - The bank's focus on technology finance, supply chain finance, and green finance has led to these sectors accounting for over 70% of new loan increments [6] Capital and Investment - The recent completion of a 50 billion yuan convertible bond with a conversion rate of 99.7% will enhance the bank's core tier-one capital and improve its capacity to serve the real economy [8] - SPDB aims to strengthen its market competitiveness in key sectors and regions while enhancing its integrated development layout [5] Innovation and Services - The bank's personal financial assets reached 4.62 trillion yuan, a 19.07% increase, with significant growth in its pension service system [7] - Cross-border financial services have expanded, with a 47% increase in RMB settlement volume for cross-border transactions, reaching 3.29 trillion yuan [6]

Core Insights - The Beijing Municipal Financial Office has released outstanding cases in the financial sector, showcasing the achievements of financial reform and innovation in Beijing, with SPDB's "Puyi Jinsheng" pension financial service recognized as an exemplary case [1] Group 1: Financial Service Innovations - SPDB has launched the "Puyi Jinsheng" comprehensive pension financial service system, enhancing user experience through digital construction and professional services to support a multi-tiered pension security system [2] - The service integrates local needs with the capital's strategic positioning, creating a three-pronged implementation system: localized service, ecological alliances, and mobile services [2] Group 2: Health and Community Services - In the "Health Services" ecosystem, SPDB collaborates with leading insurance companies to provide health management services, including remote consultations and health lectures [2] - The "Neighborhood Services" ecosystem involves establishing a service connection with 15 local communities, conducting regular events to support elderly care [3] Group 3: Payment Solutions - The bank has developed an online payment service centered around a senior debit card, addressing the challenges faced by the elderly in online payments and providing discounts for online shopping [3] - Over 4,000 senior debit cards have been issued in Beijing, serving over 1,000 customers through various activities [3] Group 4: Overall Impact - SPDB's pension financial services have served approximately 1.23 million elderly clients and managed financial assets nearing 80 billion yuan, demonstrating significant market penetration and impact [3]

Core Insights - The 2025 China International Service Trade Fair commenced on September 10, showcasing SPDB's latest achievements in its "digital intelligence" strategy, emphasizing its commitment to supporting the real economy and national strategies [1][9] - SPDB Beijing Branch has participated in the fair for five consecutive years, progressively enhancing its service highlights each year, with a focus on green finance, infrastructure projects, and technology financial services [1][2] Group 1: Digital Intelligence Strategy - SPDB's "digital intelligence" strategy is designed to empower the real economy, with a focus on creating immersive and interactive experiences at the trade fair [2] - The bank has identified five key areas—technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance—as critical to implementing its financial strategies [3] Group 2: Financial Services and Achievements - SPDB has served over 240,000 technology enterprises and over 70% of national Sci-Tech Innovation Board listed companies, demonstrating its strong presence in the technology finance sector [4] - The supply chain finance segment has seen a 46.08% increase in clients, reaching 27,633 by June, while inclusive finance has a loan balance of CNY 496.1 billion, serving over 420,000 clients [4] - Cross-border transactions reached CNY 2.0599 trillion in the first half of the year, a 33% year-on-year increase, showcasing the bank's growth in this area [4] Group 3: Ecosystem Collaboration - SPDB is fostering a collaborative ecosystem by integrating financial services with various sectors, enhancing the quality and efficiency of its offerings [5][6] - The bank has created an interactive platform at the fair, featuring advanced technology from partner companies, illustrating the synergy between finance and technology [5] Group 4: Social Responsibility and Sustainable Development - SPDB is committed to social responsibility, showcasing services like "Puyijinsheng" for elderly care and green finance initiatives, including a CNY 540 million loan for a renewable energy project [8] - The bank's efforts in local government bond underwriting and social security card services reflect its dedication to community welfare and sustainable development [8] Group 5: Future Directions - Moving forward, SPDB aims to continue its focus on the "five major articles" of finance and deepen its "digital intelligence" strategy to contribute to high-quality development in the capital [9]

Core Insights - The article highlights the advancements of SPDB Beijing Branch in its "Digital Intelligence" strategy showcased at the 2025 China International Service Trade Fair, emphasizing its role in empowering the real economy and transforming financial services from traditional to innovative [1][2][8] Group 1: Digital Intelligence Strategy - SPDB has been participating in the service trade fair for five consecutive years, progressively enhancing its service highlights each year [1] - The bank's "Digital Intelligence" strategy encompasses five major sectors: Technology Finance, Supply Chain Finance, Inclusive Finance, Cross-border Finance, and Financial Asset Management, which are crucial for implementing financial policies [3] Group 2: Technology Finance - SPDB focuses on Technology Finance as its main strategic sector, providing comprehensive services for technology enterprises, having served over 240,000 tech firms by mid-2023 [3] - The bank has launched innovative financial products and services, including the first technology innovation bonds and pilot projects for technology enterprise acquisition loans [3] Group 3: Supply Chain and Inclusive Finance - In Supply Chain Finance, SPDB has served 27,600 upstream and downstream clients, marking a 46% increase since the beginning of the year [3] - The Inclusive Finance sector has seen a loan balance of CNY 496.1 billion, with over 420,000 clients benefiting from various financial support initiatives [3] Group 4: Cross-border and Financial Asset Management - The Cross-border Finance sector achieved a settlement volume of CNY 2.06 trillion in the first half of the year, reflecting a 33% year-on-year growth [3] - In Financial Asset Management, the bank's personal assets under management reached CNY 4.29 trillion, a 10.55% increase from the start of the year [4] Group 5: Ecosystem Collaboration - SPDB Beijing Branch has created an "Ecological Exhibition within the Exhibition" to enhance interactive experiences, showcasing innovative products and technologies in collaboration with tech firms [5][6] - The bank emphasizes integrating financial services into various ecological scenarios, promoting a collaborative ecosystem for financial innovation [6][8] Group 6: Social Responsibility and Sustainable Development - The bank's initiatives include the "Puyin Jinsheng" elderly service and green finance projects, demonstrating its commitment to social responsibility and sustainable development [7] - SPDB has actively participated in local government bond underwriting and social security card initiatives, supporting major projects and improving public services in Beijing [7]

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) has demonstrated strong performance in the first half of 2025, focusing on its "digital intelligence" strategy, which has led to improved operational indicators and a solid development trend [2][3]. Financial Performance - SPDB achieved a revenue of 90.559 billion yuan, a year-on-year increase of 2.62%, and a net profit of 29.737 billion yuan, up 10.19% year-on-year as of June 30, 2025 [3]. - The total assets of SPDB reached 9.6458 trillion yuan, growing by 1.94% from the end of the previous year, with total loans (including bill discounts) 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% from the end of the previous year, with total deposits of 5.5943 trillion yuan, increasing by 8.71% [3][4]. Asset Quality - SPDB's non-performing loan (NPL) 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][5]. - The provision coverage ratio reached 193.97%, an increase of 7.01 percentage points, indicating enhanced risk resistance capabilities [5]. Strategic Initiatives - The "Five Major Tracks" strategy has been effectively implemented, focusing on technology finance, supply chain finance, inclusive finance, cross-border finance, and financial asset management [5][6]. - In technology finance, SPDB served over 240,000 technology enterprises, with technology finance loans exceeding 1 trillion yuan, ranking among the top in the sector [5][6]. - The supply chain finance business saw significant growth, with online supply chain business volume reaching 358.265 billion yuan, a year-on-year increase of 382.82% [6]. Regional Development - SPDB has strengthened its position 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% from the previous year [8][9]. - The bank supports key industries in Shanghai, including integrated circuits and biomedicine, with a focus on offshore financial services [9]. Green Finance and Pension Services - SPDB has launched innovative green finance products, with green loan balances reaching 671.984 billion yuan, a growth of 17.75% [9][10]. - The bank has expanded its pension financial services, with personal pension accounts growing to 1.5533 million, an increase of over 50% [10].

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].

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) demonstrated resilience in its H1 2025 financial report, achieving growth in both revenue and profit despite a challenging market environment [1][4]. Financial Performance - SPDB reported 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% year-on-year, marking a "double increase" in revenue and profit [1][4]. - Total assets expanded to 9.65 trillion yuan, with total loans reaching 5.63 trillion yuan, a growth of 4.51%, and total deposits at 5.59 trillion yuan, increasing by 8.71%, the highest in five years [4]. - The non-performing loan (NPL) ratio decreased to 1.31%, and the provision coverage ratio rose to 193.97%, both achieving the best levels in nearly a decade [4]. Digital Intelligence Strategy - SPDB has positioned 2025 as a year for enhancing its "digital intelligence" strategy, focusing on dual-driven business and management improvements [5][6]. - The bank aims to create an integrated online and offline ecosystem, with over one million new registered users on the "Puhui" platform and mobile banking clients exceeding 90 million [5]. - An AI center has been established to implement AI applications in risk control, customer management, and internal processes, with over 50 benchmark applications already in place [5][6]. Five Major Tracks - The "Five Major Tracks" strategy encompasses technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance, contributing to 70% of new loans in H1 2025 [7]. - In technology finance, SPDB served over 240,000 innovative enterprises, with a loan balance exceeding 1 trillion yuan [7]. - Supply chain finance saw significant growth, with online business volume reaching 358.265 billion yuan, a year-on-year increase of 382% [7][8]. Regional Strategy - SPDB's regional strategy focuses on the Yangtze River Delta, with total loans in the region amounting to 1.98 trillion yuan, a growth of 7.50% year-on-year [9]. - The bank has established over 500 institutions in the Yangtze River Delta, covering more than 450,000 corporate clients and 52 million retail clients [9][10]. - SPDB is actively involved in supporting key industries in Shanghai, including integrated circuits and artificial intelligence, with a focus on enhancing the city's financial capabilities [10]. Overall Outlook - The H1 2025 report reflects SPDB's balanced approach to internal operations and external challenges, with a focus on digital intelligence, the Five Major Tracks, and regional advantages [11]. - Management emphasizes the importance of strategic determination and innovation to navigate ongoing challenges in the banking sector [11].

Core Viewpoint - Shanghai Pudong Development Bank Chengdu Branch is actively supporting local economic development through innovative financial products and services, demonstrating its commitment to the "Four Modernizations" strategy in Sichuan [5][6]. Financial Performance - As of June 30, 2025, the bank reported a general deposit balance of 72.088 billion RMB, an increase of 20.81% year-on-year, and a loan balance of 137.302 billion RMB, which grew by 8.48% [5][6]. - The bank has cumulatively provided 216 billion RMB in loans and over 30 billion RMB in bond financing to Sichuan over the past five years [5]. Strategic Initiatives - The bank has launched the "Tongwei Co., Ltd. 2025 Second Phase Technology Innovation Bond" to support technological research and development, showcasing its role in financing local enterprises [5]. - The bank has implemented a digital strategy focusing on five key financial sectors: technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance [6]. Community and Social Responsibility - The bank has provided over 30 billion RMB in loans to 700 key projects across the province, supporting strategic emerging industries and high-tech sectors [6]. - As of June 2025, the bank's green finance loan balance reached 20.157 billion RMB, focusing on renewable energy and green construction [6]. - The bank has donated over 2.38 million RMB to various rural communities and educational initiatives, reinforcing its commitment to social responsibility [6].

Core Viewpoint - The article highlights the recognition of the Pudong Development Bank Haikou Binhai Avenue Branch as a national civilized unit, emphasizing its commitment to integrating business development with spiritual civilization construction, thereby contributing to the modernization of Hainan [1][3]. Group 1: Civilized Unit Recognition - The Pudong Development Bank Haikou Binhai Avenue Branch has been awarded the title of a national civilized unit, reflecting its long-term dedication to promoting socialist core values and enhancing both business and spiritual development [1][3]. Group 2: Business Development and Innovation - The branch has successfully implemented various financial innovations, including the first EF account overseas loan in Hainan and the first Singapore low-sulfur fuel oil commodity transaction, supporting Chinese enterprises in international markets [4]. - The branch has exceeded its annual targets for inclusive finance by 200%, significantly contributing to the growth of small and micro enterprises in the region [4]. Group 3: Community Engagement and Services - The branch has established various community-focused services, such as the "Respect for the Elderly" service area and "Warm Station" for outdoor workers, demonstrating its commitment to social responsibility and community welfare [5]. - Initiatives like the "Puyiyinsheng" elderly financial service studio aim to meet the diverse needs of the aging population, showcasing the branch's focus on the silver economy [5]. Group 4: Employee Development and Culture - The branch emphasizes talent cultivation through activities like labor competitions and educational programs, enhancing employee skills and fostering a positive workplace culture [7]. - The establishment of reading corners and fitness activities contributes to employee well-being, increasing their sense of belonging and job satisfaction [7]. Group 5: Social Responsibility and Public Welfare - The branch actively participates in community service, including traffic civility campaigns and support for small businesses during the pandemic, reflecting its commitment to social responsibility [8]. - During natural disasters, the branch has provided assistance to affected residents, reinforcing its role in community support and disaster relief efforts [8].