Core Insights - The core viewpoint of the article emphasizes that Shanghai Pudong Development Bank (SPDB) has demonstrated strong resilience and responsibility in serving the real economy while achieving steady growth in operating performance, with both revenue and net profit increasing year-on-year in the first three quarters of 2025 [1][2]. Financial Performance - For the first three quarters of 2025, SPDB reported operating income of 132.28 billion yuan, a year-on-year increase of 1.88%, and a net profit attributable to shareholders of 38.82 billion yuan, up 10.21% year-on-year, with profit growth accelerating compared to the first half of the year [2]. - The cost-to-income ratio was maintained at 27.53%, and the decline in net interest margin has significantly narrowed, indicating a stable foundation for profit growth [2]. - As of the end of Q3, the total assets of the group 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 5.20% [2]. Risk Management and Asset Quality - SPDB's improvement in profitability is driven by both the enhancement of interest margin structure and the optimization of income structure. The bank has effectively managed its liabilities, resulting in a year-on-year decrease of 38 basis points in the deposit interest rate [3]. - As of the end of Q3, the non-performing loan balance was 72.89 billion yuan, a decrease of 0.265 billion yuan from the end of the previous year, with the non-performing loan ratio dropping to 1.29% [3]. - The provision coverage ratio improved to 198.04%, marking the best level in nearly a decade, reinforcing the bank's sustainable development foundation [3]. Strategic Focus and Development - SPDB is focusing on key strategic areas such as technology finance, supply chain finance, and green finance, with over 70% of new loans allocated to these sectors [5]. - The bank has established a comprehensive technology finance ecosystem, serving over 250,000 technology enterprises, with technology finance loans exceeding 1 trillion yuan [5][6]. - The supply chain finance sector has seen rapid growth, with online supply chain business volume reaching 574.86 billion yuan, a year-on-year increase of 267.65% [6]. Service Enhancement and Social Responsibility - SPDB is committed to enhancing service capabilities and fulfilling its social responsibilities, integrating its development into the national development framework [8]. - The bank's regional strategy has shown effectiveness, with loans in the Yangtze River Delta region exceeding 2 trillion yuan, accounting for about 58% of the company's loan growth [8]. - SPDB aims to deepen financial supply-side structural reforms and enhance service capabilities, aligning with national planning and contributing to the construction of a financial power [9].

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]