Banking and Financial Services: approx. 70%
Insurance: approx. 15%
Asset Management: approx. 15%

TOP 3 Markets:

1. China: approx. 85%
2. Hong Kong: approx. 10%
3. Southeast Asia: approx. 5%

Shanghai Pudong Development Bank Co., Ltd. generates the majority of its revenue from banking and financial services, with the Chinese market accounting for the largest share. The bank has a strong presence in China and is increasingly expanding into neighboring markets such as Hong Kong and Southeast Asia. This expansion is reflected in the revenue figures, with the majority of income still coming from the domestic market.

Production Sites: Headquarters in Shanghai, China

Shanghai Pudong Development Bank Co., Ltd. is a financial institution and not a production company in the traditional sense. The company mainly offers banking services such as lending, deposit management, and investment services. Therefore, the bank does not have physical production sites for products, but mainly operates from its headquarters in Shanghai and through a network of branches throughout China.

The bank's services are provided through its various branches and digital platforms distributed throughout China.

Estimate for Future Growth: Diversification and Digitalization (2025)

Shanghai Pudong Development Bank Co., Ltd. is pursuing a strategy of diversification and digitalization to secure future growth. The company is heavily investing in digital technologies to enhance and streamline its services. These investments aim to optimize the customer experience while reducing operating costs.

Another focus is on expanding into new markets and developing new financial products to broaden the customer base. Through partnerships with fintech companies, the bank aims to offer innovative solutions that meet the changing needs of customers.

Additionally, the bank is focusing on sustainable financing projects to meet the growing requirements in the area of environmental, social, and governance (ESG) criteria. This strategy is intended not only to promote growth but also to minimize risk and ensure long-term stability.

Main imported raw materials/materials: IT infrastructure, office equipment

Countries of origin: USA, Japan, South Korea

Shanghai Pudong Development Bank Co., Ltd. is primarily active in the financial sector and therefore does not import classic raw materials like a manufacturing company. However, the bank needs IT infrastructure and office equipment to provide its services efficiently.

The IT infrastructure, including software solutions and hardware, is often imported from technologically advanced countries such as the USA, Japan, and South Korea. These countries are known for their leading technologies and offer high-quality products that are essential for the bank's operations.

As the bank operates in a highly regulated and competitive market, investing in modern technologies is crucial to improve customer service and increase operational efficiency.

Return on Equity (ROE): 8.5% (estimated for 2024)
Market share in the Chinese banking sector: Approximately 3% (estimated for 2024)
Credit growth: 10% (2023)

Shanghai Pudong Development Bank Co., Ltd. (SPDB) has a moderate competitive advantage in the Chinese banking sector. The return on equity of 8.5% indicates a solid, but not outstanding profitability compared to other major Chinese banks. The market share of about 3% underscores SPDB's position as a significant, but not dominant player in the market.

The 10% credit growth in 2023 suggests an effective lending strategy that helps the company grow in a competitive environment. SPDB benefits from its strong presence in the economically important region of Shanghai, providing a certain geographical advantage.

In summary, SPDB has a solid, but not outstanding competitive advantage, supported by strategic location advantages and stable credit growth. To further strengthen its competitive advantage, the company could invest in digital innovations and expanded services.

Institutional investor share: approx. 45% (2025, estimated)

Insider purchases/sales: No significant transactions in the last year (2025, estimated)

The institutional investor share in Shanghai Pudong Development Bank Co., Ltd. is about 45%. This demonstrates the confidence of major financial institutions in the stability and growth potential of the bank.

In 2025, there were no significant insider transactions, indicating a stable internal assessment of the company's development. This could be attributed to the management and other insiders being satisfied with the current strategic direction and financial results.

Market share of Shanghai Pudong Development Bank Co., Ltd.: Estimate around 4-5% (2025)

Main competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): around 20%
2. China Construction Bank: around 15%
3. Agricultural Bank of China: around 13%
4. Bank of China: around 12%
5. Bank of Communications: around 6%
6. China Merchants Bank: around 5%
7. Shanghai Pudong Development Bank: around 4-5%
8. Industrial Bank Co., Ltd.: around 4%
9. China CITIC Bank: around 3%
10. China Minsheng Banking Corp.: around 3%

Moat of Shanghai Pudong Development Bank:

Shanghai Pudong Development Bank (SPDB) has a moderate moat, mainly characterized by its strong regional presence and specialized services in the financial sector. The bank benefits from its strategic location in Shanghai, one of China's key financial centers, providing it access to a broad customer base and business opportunities.

However, the larger state-owned banks like ICBC, China Construction Bank, and Bank of China have a stronger moat. These banks have more extensive networks, larger capital reserves, and stronger state support, giving them a significant competitive advantage.

SPDB must differentiate itself through innovative financial products and strong customer loyalty to maintain or expand its market share. Competition in the Chinese banking sector is intense, and larger banks tend to have better resources to gain market share.

Return on Equity (ROE): 9.5% (2024) Net Interest Margin: 1.8% (2024) Credit Growth: 7% (2024)

The Shanghai Pudong Development Bank Co., Ltd. demonstrates a solid return on equity of 9.5%, indicating efficient use of equity capital. This ratio is an indicator of how well the company converts its shareholders' investments into profits.

The net interest margin of 1.8% indicates how profitable the bank is from its interest operations. This margin is moderate compared to international standards, suggesting that the bank operates in a competitive environment.

The credit growth of 7% in 2024 suggests that the bank is able to increase its lending, which is a positive sign for future growth. This could indicate increasing demand for loans and a healthy economic environment.

In summary, the Shanghai Pudong Development Bank shows stable financial performance, making it a potentially attractive investment. However, investors should also consider macroeconomic factors and regulatory changes in China that could impact the bank.

Dividend yield: 4.2% (2024)

Shanghai Pudong Development Bank Co., Ltd. has regularly paid out dividends in recent years. The dividend yield was around 4.2% in 2024, which can be considered attractive compared to other banks in China.

The reliability of dividend payments is relatively high as the bank has a stable financial base and solid earnings power. Historically, the bank has maintained its dividend policy, indicating a continuous payout in the future. However, investors should keep an eye on the economic conditions and regulatory changes in China that could affect the dividend policy.