本报记者 熊悦 见习记者 占健宇 "经过一年来数智化战略的实施，我们对战略更加心中有底，战略框架更加清晰，路径更加明确，战略的方法论安排、具 体措施和策略的选择越来越有成效。"张为忠在业绩说明会上表示。 1991 - 32 12 - 16 - 1 e (1) 薛 宏 立 - 2024年，浦发银行资产负债规模稳步增长，经营效益实现较好增长，资产质量持续改善。报告期内，该行实现营收1707.48 亿元；实现归属于母公司股东的净利润452.57亿元，同比增长23.31%。平均总资产收益率（ROA）为0.50%，较上年上升0.08 个百分点；加权平均净资产收益率（ROE）为6.28%，较上年上升1.07个百分点。资产总额为9.46万亿元，较上年末增长 5.05%。不良贷款率较上年末下降0.12个百分点至1.36%。 数智化战略落地效果显现 2024年是浦发银行实施"1-5-5-5-4-3"数智化战略体系的首个年度。该行管理层表示，这一年，浦发银行的战略实施成效已 经在业绩方面有所显现。 "数智化战略的执行效果在经营业绩上已有所体现。"谢伟表示，战略清晰、措施精准，为全行高质量发展注入了新动能。 2024年全行以数智化 ...

Core Insights - The core viewpoint of the articles emphasizes the successful implementation of the "digital intelligence" strategy by Shanghai Pudong Development Bank (SPDB), leading to significant growth in net profit and overall performance in 2024 [1][2][3]. Financial Performance - In 2024, SPDB achieved a net profit of 45.257 billion yuan, marking a year-on-year increase of 23.31%, the highest growth rate in nearly 12 years [1][2]. - Total assets exceeded 9.46 trillion yuan, reflecting a growth of over 5% year-on-year [2]. - Operating income reached 170.748 billion yuan, showing positive growth after excluding one-time factors from the previous year [2]. Strategic Initiatives - SPDB's "digital intelligence" strategy is aimed at enhancing operational and service capabilities, focusing on customer-centric management [2][3]. - The bank has identified five key strategic areas: technology finance, supply chain finance, inclusive finance, cross-border finance, and financial asset management, to drive its transformation [4]. - The bank's leadership has committed to a "new SPDB, starting again" goal for 2024, with 2025 designated as a year for strategic enhancement [1][3]. Technological Advancements - SPDB has established a robust team of over 6,000 technology professionals and increased its technology investment to 7.169 billion yuan in 2024, a 2.92% increase from the previous year [6]. - The bank is leading in the application of artificial intelligence within the industry, focusing on integrating AI into business processes and enhancing operational efficiency [7]. Market Position and Growth - SPDB's market value increased by over 60% in 2024, indicating strong market expectations for its performance [3]. - The bank has successfully served over 410,000 small and micro-enterprises through its inclusive finance initiatives [5]. - The supply chain finance segment has seen a remarkable growth, with a 133.77% increase in the number of core customers served compared to the previous year [5].

Group 1 - The government work report emphasizes the importance of advancing rural revitalization and accelerating agricultural modernization [1] - The central document focuses on utilizing the "Thousand Villages Demonstration, Ten Thousand Villages Rectification" project experience to effectively promote comprehensive rural revitalization [1] - SPD Bank actively responds to national policies by launching a "5+4+N" financial service system for rural revitalization, focusing on five key areas: agricultural industry chain, agricultural market, urban-rural integration, agricultural technology innovation, and basic agricultural support [1] Group 2 - SPD Bank's Kunming branch has implemented a digital cash management system for grain trading, enhancing transaction efficiency and providing services to nearly 900 members with a total transaction settlement exceeding 6 billion [2] - The Lanzhou branch has customized digital cash management services for the local rural property trading center, serving 8,700 registered users with a transaction volume exceeding 140 million since its launch [2] - SPD Bank provides cash management services for various agricultural product trading markets, supporting smooth transactions in agriculture, forestry, animal husbandry, and fishery sectors [2] Group 3 - SPD Bank has developed the "Pu Zhanggui" smart management platform to enhance the efficiency of agricultural markets, simplifying financial management processes for vendors [3] - The platform addresses challenges in stall rental payments and offers innovative services such as bill collection and QR code payments [3] - The bank also provides "Hui Account" services to farmers in agricultural markets, reducing fees to stimulate market activity [3] Group 4 - SPD Bank focuses on empowering agricultural supply chain construction by addressing pain points in industry development [4] - The Zhengzhou branch provided 520 million in funding support for a large-scale aquatic product logistics project, including various facilities [4] - The bank offers supply chain credit enhancement and financing support to downstream merchants, promoting collaboration within the agricultural supply chain [4] - As of January 2025, SPD Bank's agricultural loan balance has increased by 14% year-on-year, demonstrating its commitment to rural revitalization [4]

Core Insights - Shanghai Pudong Development Bank (SPDB) reported a revenue of 170.748 billion yuan for 2024, reflecting a year-on-year growth of 0.92% after excluding one-time factors from the previous year [1] - The net profit attributable to shareholders reached 45.257 billion yuan, marking a significant year-on-year increase of 23.31% [1] - As of the end of 2024, SPDB's total assets amounted to 9.46 trillion yuan, a growth of 5.05% compared to the previous year, while total liabilities increased by 5.35% to 8.72 trillion yuan [1] - The bank's provision coverage ratio stood at 186.96%, the highest level since 2015 [1] Digital Strategy - The digital intelligence strategy is identified as a key driver of SPDB's performance growth, with 2024 being the inaugural year for this initiative [1] - SPDB invested 7.169 billion yuan in information technology construction, representing a 2.92% increase from the end of 2023, enhancing capabilities in digital infrastructure, products, operations, risk control, and ecosystem [1] - In the field of technology finance, SPDB developed a "Five Forces Model" evaluation system for tech enterprises and served over 71,000 tech companies in 2024, with a loan scale exceeding 600 billion yuan, ranking first among joint-stock banks [2] - The bank has also achieved full-stack domestic computing platform and DeepSeek model applications, leading in the utilization of big data and technology empowerment among joint-stock banks [2] Future Outlook - Looking ahead to 2025, SPDB aims to leverage new-generation artificial intelligence technologies to set a benchmark for digital transformation in the banking industry [2] - The bank plans to build an intelligent foundation integrating computing power, algorithms, platforms, and knowledge to enhance user growth, service capabilities, and customer experience [2]

目录 Contents 专题篇 环境篇 E 社会篇 S G 金融向善 "浦"润实体惠泽民生 52 / 服务实体经济 140 / 未来展望 142 / 附录 | 142 | / | 关键绩效 | 147 | / | 指标索引 | | --- | --- | --- | --- | --- | --- | | 158 | / | 关键数据编制基础 | | | | 治理篇 守正创新 "浦"筑稳健经营根基 "浦"惠于民 安排上了 上海浦东发展银行 02 / 报告说明 04 / 党委书记、董事长致辞 06 / 行长致辞 08 / 关于我们 08 / 公司概况 10 / 企业文化 10 / 发展业绩 11 / 年度荣誉 12 / 坚持党建领航 夯实可持续发展根基 16 / 确立"数智化"战略体系 不断提升核心竞争力 逐绿前行 "浦"绘美丽中国画卷 28 / 绿色金融及环境 （气候）管理体系 36 / 发展绿色金融 45 / 贯彻绿色运营 58 / 服务高水平对外开放 62 / 服务上海"五个中心"建设 66 / 增进民生福祉 79 / 提升金融服务可及性 89 / 保护消费者权益 98 / 人力资源管理 108 / 夯实 ...

上海浦东发展银行股份有限公司 2024 年度董事会审计委员会对会计师事务所 履行监督职责情况报告 根据《上市公司治理准则》《国有企业、上市公司选聘会计师事务所管理办 法》《上海证券交易所上市公司自律监管指引第 1 号——规范运作》和本公司《公 司章程》《董事会审计委员会工作细则》等有关规定，现将董事会审计委员会对 会计师事务所 2024 年度履职评估及履行监督职责的情况报告如下： 2024 年 4 月 26 日，公司第七届董事会第六十八次会议、第七届监事会第六 十六次会议，分别审议通过了《关于续聘会计师事务所的议案》，公司独立董事 对该议案发表了独立意见。2024 年 6 月 28 日，公司 2023 年年度股东会审议通 过该议案。 二、2024 年年审会计师事务所履职情况 毕马威华振按照中国注册会计师审计准则的规定，为公司提供 2024 年度审 计服务，对公司财务报表出具了审计意见；并就公司定期报告进行了审阅。审计 服务过程中，毕马威华振与公司管理层就审计工作的独立性、审计团队人员构成、 审计范围、时间安排、风险判断、集团并表审计方案、审计重点关注领域、审计 阶段工作进展以及审计发现等进行了较为充分的沟通。 ...

2024 年 4 月 18 日，公司召开第七届董事会第三十四次审计委员会会议，审 议通过了《2023 年度主要审计发现及整改情况的议案》《2023 年度相关专项审计 及整改情况的议案》。 2024 年 4 月 25 日，公司召开第七届董事会第三十五次审计委员会会议，审 上海浦东发展银行股份有限公司 2024 年度董事会审计委员会履职情况报告 根据《上市公司治理准则》《上海证券交易所股票上市规则》和本公司《公 司章程》《董事会审计委员会工作细则》的有关规定，公司董事会审计委员会勤 勉尽责，认真履行审计监督职责，现就2024年度董事会审计委员会履职情况报告 如下： 一、董事会审计委员会组成情况 截至 2024 年末，公司第七届董事会审计委员会由 5 名董事组成，分别为： 叶建芳、管蔚、朱毅、吴弘、孙立坚。其中，独立董事叶建芳担任主任委员。董 事会审计委员会结构合理，委员具备履职的专业性和相关经验。 二、董事会审计委员会会议召开情况 年内董事会审计委员会召开 8 次会议，审议通过议案 21 项，听取报告 6 项。 审计委员会切实发挥法人层面的审计监督作用，定期听取内部审计工作计划、审 计进展，及时向董事会报告相关审 ...

上海浦东发展银行股份有限公司 上海浦东发展银行股份有限公司（以下简称"公司"）聘请毕马威华振会计 师事务所（特殊普通合伙）（以下简称"毕马威华振"）作为公司 2024 年度财务 及内部控制审计机构。根据财政部、国务院国有资产监督管理委员会、中国证券 监督管理委员会颁布的《国有企业、上市公司选聘会计师事务所管理办法》（财 会〔2023〕4 号），公司对毕马威华振 2024 年审计过程中的履职情况进行了评估。 具体情况如下： 一、2024 年度会计师事务所履职情况 毕马威华振按照与公司签订的业务约定书，遵循相关审计准则和其他执业规 范、守则，为公司提供 2024 年度财务报表审计、内部控制审计及其他相关专业 服务。 在执行审计及其他专项工作过程中，毕马威华振与公司董事会审计委员会和 管理层进行了必要的沟通。 2024 年度会计师事务所履职情况评估报告 二、对会计师事务所履职情况的评估 经评估，公司认为毕马威华振担任公司 2024 年度会计师事务所期间，在财 务报表和内部控制审计过程中，能够坚持独立性，保持职业怀疑，按时完成审计 工作，客观公允表达意见。 上海浦东发展银行股份有限公司 2025 年 3 月 27 日 ...