浦发银行

What 浦发银行 does

Shanghai Pudong Development Bank Co., Ltd. (浦发银行, SPDB; SSE: 600000) is a Chinese joint-stock commercial bank established in 1992 in Shanghai and listed on the Shanghai Stock Exchange in 1999. The bank serves retail, corporate, private-banking, small-and-micro enterprise, interbank, and financial-market customers through 42 first-level domestic branches, more than 1,700 business outlets covering every provincial-level administrative region, and three overseas branches in Hong Kong, Singapore, and London. It offers over 150 financial products and services spanning deposits, loans, payments, wealth management, investment banking, trade and supply chain finance, technology finance, inclusive finance, cross-border services, asset management, custody, pension, credit cards, foreign exchange, and precious metals.

The bank's technology stack is built around a new-generation core banking system launched in 2017 and includes personal mobile and online banking, corporate online banking with Ukey security, an open banking platform (open.spdb.com.cn), digital RMB services, biometric authentication, and specialized platforms: 北斗司库/eTreasury for corporate treasury management, 靠浦薪 for enterprise payroll, 科技金融服务平台 for the full lifecycle of tech firms, 数智供应链 for supply chain finance, and 普惠金融直通车 for SME inclusive finance. The bank operates sub-brands including e同行 (interbank), 浦发绿创 (green finance), 浦银理财 (wealth management subsidiary), and 浦赢跨境 (cross-border finance).

SPDB's revenue is generated across five primary streams: net interest income from personal and corporate lending, fee and commission income from payments, wealth distribution, fund and insurance sales, and FX/interbank services, transaction-based income from financial markets trading (FX, precious metals, money market, bonds), subscription-based asset management through 浦银理财, and custody and pension services. Pricing is unit-based with publicly disclosed LPR-linked loan rates and deposit rates, supplemented by regulated fee schedules. The bank reaches customers through a combination of direct field sales (corporate), self-serve digital channels (retail), branch distribution, and interbank channel/reseller relationships with peer financial institutions.

Name

浦发银行

Legal name

上海浦东发展银行股份有限公司

Website

https://ebank.spdb.com.cn

Company type

Public

Founded year

1992

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Shanghai Pudong Development Bank (SPDB, SSE: 600000) is a Chinese joint-stock commercial bank founded in 1992 that serves retail, corporate, private-banking, SME, and interbank customers through 42 first-level branches, 1,700+ outlets, and overseas branches in Hong Kong, Singapore, and London with 150+ financial products and services.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Consumer & Retail (CPG, Food, Apparel) (FSABACAM)

Keywords

• Commercial banking services
• Retail banking products
• Corporate banking solutions
• Wealth management products
• Cross-border financial services

Headquarters

HQ city

Shanghai

HQ country

China

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Infrastructure, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. 利息收入: Traditional interest income from lending activities including personal loans, housing loans, corporate loans, and credit services
2. 手续费及佣金收入: Fee-based income from payment services, wealth management products distribution, fund sales, insurance sales, foreign exchange services, and interbank services
3. 金融市场业务: Trading and investment income from financial markets operations including foreign exchange trading, precious metals, money market, and bond trading
4. 资产管理业务: Asset management services through SPDB Wealth Management subsidiary
5. 资产托管业务: Fund custody and pension services

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels7 records

Core offering

Shanghai Pudong Development Bank (SPDB) is a national joint-stock commercial bank offering a comprehensive suite of over 150 financial products and services across personal banking (deposits, loans, payments, credit cards, wealth management), corporate banking (lending, trade finance, cash/treasury management, supply chain finance, technology finance), interbank finance, financial markets trading, asset management, custody and pension services. The bank operates 42 domestic first-level branches, more than 1,700 business outlets, and overseas branches in Hong Kong, Singapore, and London, distributing products through both its physical branch network and digital channels (mobile banking, online banking, WeChat banking, open banking).

Product overview

浦发银行 offers a comprehensive financial services ecosystem comprising personal banking (covering 150+ financial services including deposits, loans, payments, and investment products), corporate banking (including investment banking, transaction banking, international business, and inclusive finance), interbank financial services (e同行 platform and 外滩12号沙龙), financial markets services (investment trading, asset management, custody, and pension), credit cards, open banking, and ESG-focused green finance initiatives. The product architecture includes a core digital banking infrastructure spanning personal mobile banking, personal online banking, corporate online banking, and multiple specialized platforms including eTreasury (企业财资管理平台), 北斗司库 for treasury management, 靠浦薪平台 for enterprise payroll and HR services, 浦银理财 for wealth management products, 浦发绿创 for green finance, 数字人民币 services, and 浦赢跨境/浦发自贸 for cross-border financial services. The bank operates 42 domestic first-tier branches, over 1,700 business outlets, and three overseas branches in Hong Kong, Singapore, and London.

Differentiator

Problem solved

Functional benefit

Brands

• e同行: Interbank financial services platform for peer financial institutions
• 靠浦薪平台
• 浦发绿创
• 浦银理财
• 天添盈
• 浦公英公益

Products and services

• Personal Mobile Banking (个人手机银行)

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered major.

• SustainalyticsmajorTechnology or Integration · 2 October 2019Second party opinion provider for SPD Bank Green Bond Framework, providing independent environmental, social and governance assessment.
• Climate Bonds InitiativemajorStrategic or Co-development Partner · 2 October 2019External certification of green bond framework for climate bonds issuance, demonstrating commitment to sustainable finance standards.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank of Communications: Bank of Communications (601328) is a state-controlled but joint-stock-style commercial bank serving as a near peer on corporate/international banking, treasury management, and overseas branch network depth.
• China Merchants Bank: China Merchants Bank (600036) is the closest joint-stock commercial bank peer to SPDB, sharing the same retail-corporate mix, comparable distribution scale, similar wealth management subsidiary (招银理财), and heavy investment in digital/retail banking technology.
• Ping An Bank: Ping An Bank (000001) is a peer joint-stock bank within the Ping An ecosystem, competing directly with SPDB on retail banking, credit cards, wealth management, and tech-enabled SME lending.
• Everbright Bank: China Everbright Bank (601818) is a joint-stock peer with overlapping retail, wealth, and credit card businesses and comparable cross-border ambitions via Hong Kong presence, often paired with SPDB in joint-stock bank benchmarks.
• CITIC Bank: CITIC Bank (601998) is a fellow joint-stock commercial bank with a similar retail-corporate-international mix and a sizable wealth management subsidiary (信银理财), making it directly comparable on product breadth, scale, and asset quality trends.
• China Minsheng Bank: China Minsheng Bank (600016) is another joint-stock commercial bank with a comparable branch footprint and SME/corporate focus, often benchmarked against SPDB on NPLs, NIM, and digital transformation progress.
• Industrial Bank: Industrial Bank (601166) is a peer joint-stock commercial bank with strong interbank/trading-book capabilities, similar provincial branch footprint, and overlapping ESG/green finance product offerings — making it a direct comparable on platform, mix, and growth profile.

Others

• HSBC Holdings: HSBC is relevant as a global benchmark for the cross-border trade finance, FX, and Hong Kong/Singapore/London branch ambitions that SPDB is pursuing, though it operates at materially greater scale and complexity than SPDB's international network.

Broad incumbents

• Industrial and Commercial Bank of China (ICBC): ICBC is China's largest state-owned commercial bank and a broad incumbent offering the same retail, corporate, international, and asset management services as SPDB but at materially greater scale and with a lower funding cost base.
• China Construction Bank: China Construction Bank is one of the Big Four state-owned incumbents that overlaps with SPDB across deposits, mortgages, corporate lending, and wealth management, and serves as a benchmark for scale, funding cost, and digital investment.

Market position

Strengths5 records

Weaknesses3 records

Competitive moat7 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/%E6%B5%A6%E5%8F%91%E9%93%B6%E8%A1%8C

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 浦发银行