金改前沿｜浦发银行：打造银行业数智化转型新标杆

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].