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Shanghai Pudong Development Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Achieved steady growth in asset and liability scale, with total assets reaching RMB 9.89 trillion, up 4.55% from year-end 2024; total deposits up 9.19% and total loans up 5.20%.
Net profit attributable to shareholders for the first nine months was RMB 38.82 billion, up 10.21% year-over-year; Q3 net profit was RMB 9.08 billion, up 10.29% year-over-year.
Operating income for the first nine months was RMB 132.28 billion, up 1.88% year-over-year; Q3 operating income was RMB 41.72 billion, up 0.31% year-over-year.
Asset quality improved, with NPL ratio at 1.29%, down 0.07 percentage points from year-end 2024; provision coverage ratio rose to 198.04%.
Financial highlights
Net interest income for the first nine months was RMB 89.61 billion, up from RMB 86.22 billion year-over-year.
Cost-to-income ratio improved to 27.53% from 28.00% year-over-year.
Basic EPS for the first nine months was RMB 1.28, up 13.27% year-over-year; Q3 basic EPS was RMB 0.30, up 30.43%.
Operating cash flow for the first nine months was RMB 165.48 billion, a significant turnaround from negative RMB 161.40 billion year-over-year.
Outlook and guidance
Will continue to focus on five strategic business areas: technology finance, green finance, inclusive finance, pension finance, and digital finance.
Plans to deepen digital transformation, optimize deposit structure, and enhance risk management.
Intends to maintain steady loan growth, especially in key regions and industries, and further improve asset quality.
Explain the increase in doubtful and loss loans
Reconcile capital ratio changes with bond activity
Quantify 'Five Major Tracks' loan growth contribution
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Next Shanghai Pudong Development Bank earnings date
H2 202531 Mar, 2026
Shanghai Pudong Development Bank
Next Shanghai Pudong Development Bank earnings date
H2 202531 Mar, 2026
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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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