来源：轻金融 一、 10万亿阵营再扩容 今日晚间浦发银行发布的2025年业绩快报显示，该行正式迈入"10万亿俱乐部"，集团资产总额达 100,817.46亿元，较上年末增长6.55%；负债总额92,573.16亿元，较上年末增长6.20%。 浦发银行近五年总资产规模变化 来源：企业预警通 从资产质量看，浦发银行不良贷款余额、不良贷款率实现"双降"，其中不良贷款余额719.90亿元，较上 年末减少11.64亿元；不良贷款率1.26%，较上年末下降0.10个百分点；拨备覆盖率200.72%，较上年末 回顾浦发银行近五年的发展轨迹，总资产规模保持了平稳的增长势头，几乎是两年上一个台阶：在2023 年突破9万亿元，2025年突破10万亿元，2025年6.55%的总资产增速也接近近五年来的高点，相比前两 年增速提升，显示出其资产扩张动能正在修复。 轻金融统计发现，随着浦发银行的加入，目前中国银行业"10万亿俱乐部"的成员已扩容至9家。这9家银 行中，除了六大行之外，股份行中招行、兴业银行率先突破10万亿。这标志着股份行内部的梯队分化正 在加剧，第一梯队的规模壁垒已然形成。 继招行、兴业银行之后，浦发银行成为又一家资产总 ...

Core Viewpoint - In 2025, Shanghai Pudong Development Bank (SPDB) reported significant growth in asset quality and operational performance, driven by strategic financial initiatives and a focus on key sectors and regions [1][2]. Group 1: Financial Performance - As of the end of 2025, SPDB's total assets exceeded 10 trillion yuan, reaching 100,817.46 billion yuan, an increase of 6,198.66 billion yuan or 6.55% from the previous year [1]. - The total liabilities amounted to 92,573.16 billion yuan, up by 5,402.17 billion yuan, reflecting a growth of 6.20% year-on-year [1]. - The bank achieved operating revenue of 1,739.64 billion yuan, which is an increase of 32.16 billion yuan or 1.88% compared to the previous year [1]. - The net profit attributable to shareholders reached 500.17 billion yuan, marking an increase of 47.60 billion yuan or 10.52% year-on-year [1]. Group 2: Asset Quality Improvement - SPDB has successfully reduced both the non-performing loan (NPL) balance and the NPL ratio, with the NPL balance at 719.90 billion yuan, down by 11.64 billion yuan, and the NPL ratio at 1.26%, a decrease of 0.10 percentage points [2]. - The bank's provision coverage ratio improved to 200.72%, an increase of 13.76 percentage points from the previous year, indicating enhanced risk mitigation capabilities [2]. - Key forward-looking asset quality indicators showed positive performance, with overdue loans remaining within acceptable limits [2]. Group 3: Strategic Initiatives - SPDB is focusing on strengthening credit allocation in key sectors and regions, which has led to effective improvements in both the quality and quantity of credit assets [2]. - The bank is advancing its digital transformation strategy, emphasizing integrated management across various financial services, including commercial banking, trust, funds, and fintech [2]. - The bank's subsidiaries are aligning with the core digital strategy, focusing on five major sectors: fintech, supply chain finance, inclusive finance, cross-border finance, and treasury finance, enhancing operational efficiency and collaboration [2].