证券代码：601916 证券简称：浙商银行 公告编号：2025-022 浙商银行股份有限公司 关于诉讼事项的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 案件所处的诉讼阶段：已立案未开庭 上市公司所处的当事人地位：原告 涉案的金额：借款本金 1,950,000,000.00 元，相应欠息、逾期利息、复利、 罚息、律师费等，暂共计 2,317,242,502.48 元。 是否会对上市公司损益产生负面影响：该笔债权有相应抵押、质押财产 并且本公司已对该笔融资计提了相应的损失准备，预计该诉讼事项不会对本公 司的本期利润或期后利润产生重大影响。 浙商银行股份有限公司深圳分行（以下简称"深圳分行"）因与深圳市森 森海实业有限公司、汪帮、深圳高题天德科技有限公司、黎建棠金融借款合同 纠纷，向深圳市中级人民法院递交起诉状。近日，深圳分行收到深圳市中级人 民法院的受理通知书。现将本次诉讼的相关事项披露如下： 一、有关本案的基本情况 （一）案件当事人 原告：浙商银行股份有限公司深圳分行 被告：深圳市森森海实业有限公司（" ...

Financial Performance - The total assets of the company reached RMB 3.3 trillion, marking a significant milestone[11]. - The company reported continuous growth in net profit, maintaining a positive growth trend[11]. - The non-interest income saw a substantial increase, contributing to the overall revenue growth[11]. - In 2024, the company's operating income reached 67.702 billion CNY, an increase of 6.18% year-on-year[33]. - Net profit attributable to shareholders was 15.186 billion CNY, reflecting a growth of 0.92% compared to the previous year[33]. - Total assets amounted to 3.33 trillion CNY, up 5.78% from the end of the previous year[33]. - The total amount of loans and advances was 18.6 trillion CNY, increasing by 8.21% year-on-year[33]. - The bank's net profit for 2024 was CNY 15.693 billion, up from CNY 15.493 billion in 2023, indicating a steady growth trend[66]. - Operating income for 2024 was CNY 67.702 billion, compared to CNY 63.764 billion in 2023, showing an upward trajectory[67]. - The non-interest income reached CNY 22.545 billion in 2024, a significant increase from CNY 16.236 billion in 2023[68]. Asset Quality and Risk Management - The company has achieved a reduction in the non-performing loan ratio for three consecutive years[16]. - The non-performing loan ratio at the end of 2024 was 1.38%, with a provision coverage ratio of 178.67%, indicating improved asset quality[19]. - The bank's non-performing loan ratio improved to 1.38% in 2024, down from 1.44% in 2023, reflecting better asset quality management[72]. - The bank has achieved record levels in handling non-performing assets, emphasizing risk management as a top priority[20]. - The company maintains a prudent risk appetite, focusing on "small and diversified" credit principles to support the real economy[165]. - The risk management framework includes a Chief Risk Officer and various committees to oversee comprehensive risk management[166]. - The company has strengthened its credit management system, implementing a unified credit management policy for corporate clients to enhance overall credit control and risk prevention measures[171]. - The company has established a comprehensive risk management framework for anti-money laundering (AML) in compliance with relevant laws and regulations in China[198]. Regional Support and Market Position - Financing services provided to the Zhejiang province exceeded RMB 1 trillion, demonstrating strong regional support[16]. - The financing service volume for Zhejiang province exceeded 1 trillion for the first time, with the bank ranking first in local bond underwriting[21]. - The company has been recognized as the "Most Satisfied Bank for Private Enterprises" in Zhejiang for five consecutive years[16]. - The bank ranked first in underwriting local government bonds in Zhejiang, with an issuance of CNY 40.3 billion in 2024, accounting for 8.48% of the market share[52]. Digital Transformation and Innovation - The company launched a series of influential brands, including supply chain finance and talent innovation finance, as part of its digital transformation strategy[16]. - The company aims to deepen digital transformation and develop five major business segments: retail, corporate, investment banking, asset management, and cross-border services[42]. - The company has developed a comprehensive digital inclusive finance brand, introducing products like "Digital Easy Loan" and "Digital Science Loan" to enhance service capabilities[49]. - The company is focusing on customer-centric comprehensive collaborative reforms to enhance service to the real economy and promote inclusive finance[199]. Talent Development and Organizational Culture - The bank has implemented a "123 Talent Plan" to enhance employee engagement and create a positive organizational culture[19]. - The company has implemented a "123 Talent Plan" to enhance talent reserves, focusing on young and highly educated professionals[44]. - The company aims to enhance its financial technology and retail talent development to optimize expenditure structure and improve management capabilities[109]. Compliance and Governance - The company is committed to compliance and governance, enhancing its regulatory image and operational efficiency[25]. - The compliance risk management framework has been enhanced to ensure legal and regulatory compliance, with ongoing initiatives to improve compliance risk management effectiveness[192]. - The company has actively engaged in compliance image enhancement activities, promoting internal control and compliance requirements among employees[193]. Customer Base and Service Enhancement - The company increased its retail customer base to 11.6654 million, representing a growth of 20.75% compared to the beginning of the year[200]. - The company is exploring platform-driven customer acquisition models through collaborative partnerships[200]. - The company has implemented online operations to effectively enhance the value extraction of existing customer bases[200].

Core Viewpoint - Zhejiang Merchants Bank Shanghai Branch is committed to supporting the private economy by implementing various financial support policies and enhancing financial services for private enterprises [1][7] Group 1: Support for Private Enterprises - The bank actively reduces financing costs for private enterprise clients by implementing differentiated pricing strategies, offering loan interest rate discounts, and expanding the coverage of fee reductions [1] - The bank promotes seamless loan renewals and expansions, adhering to the requirements of the national financial supervision authority to enhance the coverage of seamless loan renewals for small and micro enterprises [1] - The bank is focused on reducing the financial burden on private enterprises by waiving various fees and costs associated with banking services [1] Group 2: Integrated Financial Services - The bank accelerates the reform of integrated financial services centered on customer needs, utilizing a comprehensive service model that combines commercial banking, transaction banking, investment banking, and private banking [2] - The bank enhances collaboration between small and large enterprises by leveraging cross-departmental coordination and providing comprehensive financial services through joint marketing and project collaboration [2] - The bank supports private enterprise bond issuance, particularly through risk mitigation instruments, to improve market acceptance and reduce financing costs [2] Group 3: Financing Service Mechanisms - The bank aims to establish effective financing service mechanisms by enhancing cooperation with government-backed financing guarantee companies to provide better financial services for small and micro enterprises [3] - The bank conducts extensive outreach and research activities to address the urgent needs of private clients, ensuring a responsive organizational structure to meet market demands [3] Group 4: Digital Financial Ecosystem - The bank is developing a comprehensive digital financial service model that integrates digital reform with practical applications to create a collaborative digital ecosystem for supply chain financing [4] - The bank is focused on leveraging data value by utilizing digital financial platforms to provide services to underserved groups and enhance credit data applications [5] Group 5: Service System and Risk Control - The bank is simplifying approval processes to improve service efficiency, aiming to reduce unnecessary steps and shorten loan approval times for private enterprises [6] - The bank is enhancing resource allocation and incentive mechanisms to direct more credit resources towards private enterprises, particularly in manufacturing and green finance [6] - The bank is optimizing risk control strategies by focusing on the primary repayment sources and reducing reliance on collateral, while enhancing credit information sharing with government and industry associations [6]

Core Viewpoint - The article highlights the innovative approach of Zhejiang Zheshang Bank in providing financial support to technology-driven enterprises by focusing on "soft information" such as talent and technology rather than traditional collateral and cash flow metrics [1][5][6]. Group 1: Company Overview - Heli Technology Co., Ltd., founded in June 2018, specializes in industrial digitalization and AI technology, with over 60% of its workforce dedicated to R&D [1]. - Zhejiang Zheshang Bank has approved a credit limit of 25 million yuan for Heli Technology through its "Talent Bank" product, emphasizing the importance of talent in assessing creditworthiness [1]. Group 2: Financial Support Mechanisms - The bank's "Talent Bank" model focuses on understanding the talent within technology companies, allowing for credit assessments based on the capabilities of the management team and the market competitiveness of their products [5][6]. - In 2022, the bank provided a credit line of 30 million yuan to Jiangfeng Electronic Materials Co., Ltd., a leader in chip materials, based on the expertise of its chairman, a national-level talent [4]. Group 3: Challenges Faced by Tech Companies - Technology companies often face challenges such as unstable cash flow, lack of sufficient collateral, long R&D cycles, and high risks compared to traditional industries [5][6]. - For instance, Zhejiang Fubao Intelligent Technology Co., Ltd. experienced a surge in orders for its robots but faced significant funding pressure for production [3]. Group 4: Market Trends and Insights - The article notes a growing trend of financial institutions, including Zhejiang Zheshang Bank, exploring ways to support early-stage technology companies by addressing their unique financing needs [2][5]. - As of the end of 2024, Zhejiang Zheshang Bank has served 30,712 technology enterprises with a financing balance of 367.4 billion yuan, indicating a robust commitment to supporting the tech sector [7][8].

21世纪经济报道记者李览青 浙江报道 "昨天在广交会现场，我接待了来自30多个国家的客户。"在接受媒体调研的前一晚，浙江孚宝智能科技有限公司（下称"孚宝智 能"）董事长贾国强刚刚从广州飞回杭州。 作为聚焦医疗、康养领域的人形机器人企业，孚宝智能在广交会上签下大量意向订单，贾国强对今年业务的爆发充满信心。 今年，广交会首次增设了服务机器人专区，在孚宝智能展位旁边的就是"杭州六小龙"之一的宇树科技。开年至今，以"杭州六小 龙"为代表的科技型企业崛起持续引发关注，而杭州市与浙江省的城市生态与营商环境也受到多方探讨。 在浙商总会金融服务委员会（下称"金服会"）主席，浙商银行党委书记、董事长陆建强看来，人才是主体、数字经济是土壤、 良好的营商环境是空气、金融要素是活水，它们共同构建了一座城市的大生态。 在这样的背景下，银行不仅要做科技型企业的"灌溉泵"，还要做创新生态的"孵化器"，前者需要银行及时提供金融服务，后者 进一步要求银行串联起多方机构，汇聚各方资源要素，共同构建、运营科技创新的生态。 陪伴式成长 今年不是孚宝智能第一次面临业务量的突然爆发。 孚宝智能成立于2017年，其核心产品是智能康养陪伴机器人，结合自然语 ...

Core Viewpoint - The article discusses the commencement of the bank dividend season in China, highlighting the significant cash dividends announced by various banks, particularly state-owned banks, and the trends in dividend distribution for 2024. Group 1: Dividend Announcements - Starting from this week, the bank dividend season officially begins, with China Bank announcing a cash dividend of 0.1216 yuan per share for the year-end of 2024 [2] - As of April 23, 36 banks have disclosed their dividend plans, with a total dividend amount of 616.26 billion yuan, including over 230 billion yuan in interim dividends from the previous year [3][8] - China Bank's annual dividend distribution is notably earlier than in previous years, which typically occurred between June and July [5] Group 2: Dividend Distribution Details - According to the distribution plan, China Bank will distribute a total cash dividend of 35.798 billion yuan based on its total ordinary share capital of 29.4388 billion shares, with A-shares accounting for 25.629 billion yuan of this total [6][7] - The total cash dividend for the year 2024, including interim dividends, amounts to 0.2424 yuan per share, totaling approximately 71.36 billion yuan [7] Group 3: Performance of Major Banks - The six major state-owned banks have collectively announced dividends exceeding 420 billion yuan, with all six banks increasing their dividend amounts compared to the previous year, totaling nearly 100 billion yuan more [8][9] - The total dividend amount for the six major banks accounts for over 70% of the entire banking sector's dividend total, indicating their strong profitability and dividend capacity [9] Group 4: Dividend Yields and Trends - Industrial and Commercial Bank of China leads with a dividend amount of 109.773 billion yuan, followed by China Construction Bank with 100.754 billion yuan, and Agricultural Bank of China and China Bank with 84.661 billion yuan and 71.36 billion yuan, respectively [9][10] - The average dividend payout ratio for state-owned banks remains stable at 30% or higher, with an increasing trend in dividend frequency to twice a year [9][11] Group 5: Individual Bank Strategies - China Merchants Bank plans to initiate interim dividends for 2025, marking its first such distribution, with a cash dividend ratio of 35.3% last year [10] - Other banks, such as Industrial Bank and Huaxia Bank, have also committed to maintaining or increasing their dividend payout ratios above 30% [11][15] - Zhejiang Merchants Bank's cash dividend for 2024 is 4.284 billion yuan, maintaining a payout ratio above 30%, although slightly lower than previous years [13] Group 6: Overall Market Sentiment - The trend of increasing dividends is seen as a way to enhance investor confidence and stabilize stock prices, with analysts emphasizing the importance of sustainable dividend policies based on solid operational performance [16]

Core Viewpoint - The total cash dividends proposed by major listed banks in China for 2024 exceed 560 billion yuan, marking an increase of over 10 billion yuan year-on-year, with state-owned banks dominating the distribution [1][3]. Group 1: Dividend Distribution - The six major state-owned banks plan to distribute over 420 billion yuan in cash dividends, with all having a dividend payout ratio of 30% or higher [1][3]. - Among the listed banks, China Merchants Bank leads with a cash dividend payout ratio of 35.32%, while Ping An Bank's ratio is below 30% at 28.32% [1][3][4]. - The total cash dividends for the six major banks include: Industrial and Commercial Bank of China (1,097.73 billion yuan), China Construction Bank (1,007.54 billion yuan), Agricultural Bank of China (846.61 billion yuan), Bank of China (713.60 billion yuan), China Merchants Bank (504.40 billion yuan), and Bank of Communications (281.46 billion yuan) [2][3]. Group 2: Changes in Dividend Amounts - Ping An Bank, Minsheng Bank, and Zheshang Bank have seen declines in their proposed dividend amounts, with decreases of 15.44%, 11.11%, and 4.88% respectively [2][6]. - The dividend payout ratio for Ping An Bank decreased from 30% in 2023 to 28.32% in 2024, attributed to the need for internal capital accumulation and regulatory compliance [6][9]. Group 3: Future Dividend Plans - China Merchants Bank plans to implement a mid-term dividend distribution for the first time in 2025, with a proposed payout ratio of 35% [5]. - Other banks, such as Industrial Bank and CITIC Bank, have also set ambitious dividend plans, with CITIC Bank aiming for a payout ratio of over 30% from 2024 to 2026 [5][12]. Group 4: Stock Dividend Yields - As of April 16, 2024, Ping An Bank has the highest dividend yield among the listed banks at 5.53%, followed by Zheshang Bank at 5.23% and Industrial Bank at 5.02% [8][9]. - The dividend yields for the six major state-owned banks are all above 4%, indicating strong investment value despite the overall low price-to-book ratios in the banking sector [7][11]. Group 5: Market Context and Valuation Plans - Many banks are currently trading below their book value, prompting over 20 banks to release valuation enhancement plans to improve their investment appeal [11][12]. - The valuation enhancement plans include commitments to maintain or increase dividend payouts, with banks like Bank of Communications and Ping An Bank outlining specific future dividend strategies [12][13].

Group 1 - The core viewpoint of the news is that Zhejiang Zheshang Bank has launched a comprehensive financial service plan called "Shan Ke Pei Ban Plan" to support the development of technology enterprises throughout their lifecycle [2][3] - The "Shan Ke Pei Ban Plan" focuses on four dimensions: personnel support, scenario support, product support, and ecological support, creating a comprehensive support network for technology enterprises [2] - The bank will provide dedicated financial advisory teams for each technology enterprise, focusing on key scenarios such as R&D transformation, venture capital introduction, equity incentives, and IPO preparation [2][3] Group 2 - The bank's "Shan Ben Credit Project" aims to address the gap between technological value and financial credit value for startups, allowing intangible assets like talent, technology, and patents to be converted into financial capital [3] - As technology enterprises mature, their financial service needs shift towards supply chain finance, cross-border finance, merger loans, and capital market services to help them leverage their technological advantages [3] - The "Shan Shu Technology Financial Platform" was jointly launched by the Zhejiang Chamber of Commerce Financial Services Committee and the Jinyu Alliance, aiming to integrate financial resources with industry scenarios and enhance the financing accessibility for technology enterprises [4]

Core Viewpoint - The era of easy profits in retail banking is over, as evidenced by the recent financial reports from listed banks for 2024, showing a decline in retail business performance across most institutions, with only China Merchants Bank reporting a slight increase in revenue [4][5]. Revenue and Profit Summary - China Merchants Bank reported retail revenue of 196.83 billion yuan, a year-on-year increase of 1.29%, while other banks experienced declines, with the largest drop being 45.04% for Bohai Bank [5][6]. - In terms of profit, all banks that disclosed data saw a decrease, with China Merchants Bank's profit declining by 9.28%, and Bohai Bank reporting a loss of 2.79 billion yuan [5][6]. Non-Performing Loan (NPL) Ratio Summary - The retail loan NPL ratio increased for most banks, with only Industrial Bank and Zhejiang Commercial Bank showing a decrease. Bohai Bank's NPL ratio surged to 4.15%, marking a significant increase of 1.9 percentage points [2][11]. - The rise in NPL ratios is attributed to external economic pressures, including declining household income and rising unemployment, impacting repayment capabilities [11][12]. Retail AUM Performance - China Merchants Bank led in retail Assets Under Management (AUM) with nearly 15 trillion yuan, significantly outpacing its competitors, and recorded an AUM growth rate of 12.05% [7][8]. - Other banks, such as CITIC Bank, also showed strong AUM growth, reaching 4.69 trillion yuan with a 10.62% increase [8]. Strategic Directions - Banks are shifting their retail strategies, focusing on deepening existing customer relationships rather than solely acquiring new clients. For instance, Industrial Bank emphasizes maximizing the value of existing customers, while others like Ping An Bank are undergoing a challenging retail transformation [15][16]. - The emphasis on wealth management and the transition from traditional deposit-taking to higher-value products is evident, with non-deposit AUM ratios being significantly higher in joint-stock banks compared to state-owned banks [9][10].

Core Viewpoint - The article discusses the impact of the U.S. tariff policy on Zhejiang's foreign trade and emphasizes the need for local enterprises to adapt and explore new markets to mitigate the effects of reduced exports to the U.S. [1][3] Group 1: Impact of U.S. Tariffs - The Zhejiang Provincial Council for the Promotion of International Trade surveyed over 1,600 foreign trade enterprises, revealing that most respondents aim to explore emerging markets to compensate for reduced exports to the U.S. [3][5] - Different foreign trade enterprises are affected differently by the U.S. tariffs, with those overly reliant on the U.S. market and lacking overseas bases facing significant pressure, while high-value and irreplaceable export products maintain an advantage. [5] Group 2: Strategic Recommendations - Experts suggest that Zhejiang enterprises should optimize their supply chain systems, diversify market layouts, and enhance domestic market development to reduce reliance on the U.S. market. [3][5] - The chief economist of Zhejiang Commercial Bank recommends strengthening technological innovation and independent research and development to accelerate industrial upgrades and reconstruct stable supply chains. [3][5] Group 3: Future Initiatives - The Zhejiang Provincial Council for the Promotion of International Trade plans to launch a series of 30 events this year under the "Zhejiang Going Global" initiative to help enterprises effectively respond to risks and explore diverse markets. [5]