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Shanghai Pudong Development Bank (600000) investor relations material

Shanghai Pudong Development Bank Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary28 Aug, 2025

Executive summary

  • Achieved solid growth in assets and profitability, with total assets reaching RMB 9.65 trillion, up 1.94% from year-end 2024, and net profit attributable to shareholders up 10.19% year-over-year to RMB 29.74 billion.

  • Operating income increased 2.62% year-over-year to RMB 90.56 billion, with cost-to-income ratio improving to 25.07%.

  • Asset quality improved, with NPL ratio down to 1.31% and provision coverage up to 193.97%.

  • Continued strategic focus on digitalization, green finance, and key business segments, driving robust loan and deposit growth.

Financial highlights

  • Net profit attributable to shareholders: RMB 29.74 billion, up 10.19% year-over-year.

  • Operating income: RMB 90.56 billion, up 2.62% year-over-year.

  • Total assets: RMB 9.65 trillion, up 1.94% from year-end 2024.

  • Loans: RMB 5.63 trillion, up 4.51% from year-end 2024; Deposits: RMB 5.59 trillion, up 8.71%.

  • Basic EPS: RMB 0.99; ROE: 4.33%; ROA: 0.31%.

Outlook and guidance

  • Management expects continued focus on digital transformation, risk control, and high-quality growth in key segments.

  • Industry faces margin pressure from low interest rates, but proactive asset-liability management and cost control are expected to support stable profitability.

  • Emphasis on green finance, technology, and cross-border business to drive future growth.

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Frequently asked questions

Shanghai Pudong Development Bank Co., Ltd. (SPD Bank) is a China-based commercial bank offering a broad range of financial services to individual, corporate, and institutional clients. The bank provides retail banking, corporate banking, investment banking, wealth management, and credit card services. It also offers digital banking solutions to enhance customer convenience and operational efficiency. The company is headquartered in Shanghai, China, and its shares are listed on the Shanghai Stock Exchange.

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