Core Viewpoint - Shanghai Pudong Development Bank (SPDB) Shanghai Branch has achieved significant milestones over its 32 years, focusing on compliance culture and serving the national strategy while contributing to Shanghai's development as an international financial center [3]. Group 1: Customer Engagement and Market Development - SPDB Shanghai Branch emphasizes targeted customer engagement, creating a specialized service ecosystem to cater to different customer segments [4]. - The branch has successfully launched the first batch of insurance asset management services in the gold market, enhancing efficiency and safety for insurance institutions [4]. - A new product, "省心存," was developed to address the needs of the futures market, resulting in a stable deposit balance exceeding 1 trillion yuan [4]. Group 2: Investment and Financial Support - The branch has invested 519 billion yuan in key national strategic areas, with a 14% increase year-on-year, supporting technology finance, inclusive finance, and regional development [7]. - Specific allocations include 29 billion yuan for technology finance, 8 billion yuan for inclusive finance, and 456 billion yuan for the Yangtze River Delta integration [7]. Group 3: Custody and Asset Management - SPDB Shanghai Branch's custody business has reached 5.6 trillion yuan, growing over 300 billion yuan since the beginning of the year, maintaining the top position in the Shanghai region [9]. - The branch has introduced innovative products, including the first floating rate fund and the first insurance gold custody service in the market [9]. Group 4: Discounting Services and Digital Transformation - The bank has established a robust ecosystem for bill discounting, serving 570 clients, a 25% increase, and has simplified processes for technology enterprises [10]. - The introduction of the "浦银e贴" online discounting product has enhanced efficiency, with 6.4 billion yuan processed through digital channels [10].

带着"为社会主义金融事业闯新路"的使命应运而生，经历了33年的拼搏、进步、整理、再出发，2025年 浦发银行以全新的姿态"整装归来"。 这一次"数智化"成为题眼，"机制"成为抓手，五条"新赛道"打开前瞻发展空间，而"对公"业务的王牌归 来，业绩的踏实转型，一份高质量的业绩答卷就此"浮出水面"。 最新发布的年报显示，2024年浦发银行归属于母公司股东的净利润452.57亿元，净利润同比增速达到 23.31%，位居已公布年报的大中型银行的最前列。 浦发银行近年最大的变化，来自"数智化"战略的坚定实施。 按照董事长张为忠在年报业绩说明会上的总结，浦发银行过往持续强化的"五数"建设：即数字基建、数 字产品、数字运营、数字风控和数字生态，推动了公司"五大赛道"业务的战略突破和金融服务水平的高 层级跃升。 这里尤其鲜明的是两点，一是，浦发银行推动的是"数智化"战略，即强调数字化和智能化的结合，突出 了智能化的数字运营体系和智能的风控体系建设，这一点对浦发的各类业务包括对公和零售业务形成了 良好的赋能。 二是，浦发银行的"数智化建设"，在业内率先突出了数字化运营和数字生态建设，后者 把"数字化"从工 具层面提升到资产运营和 ...