Financial Performance - China Zheshang Bank reported an unaudited mid-term performance for the six months ending June 30, 2023[2]. - In the first half of 2023, the company's operating income reached 33.248 billion yuan, a year-on-year increase of 4.63%[11]. - Net profit attributable to shareholders was 7.743 billion yuan, reflecting a year-on-year growth of 11.03%[11]. - Total assets amounted to 2.91 trillion yuan, up 11.07% from the end of the previous year[11]. - The total amount of loans and advances was 1.65 trillion yuan, increasing by 8.40% compared to the end of last year[11]. - The non-performing loan ratio stood at 1.45%, with a provision coverage ratio of 182.42%, indicating an improvement in asset quality[11]. - The capital adequacy ratio was 11.83%, with a tier 1 capital adequacy ratio of 9.57% and a core tier 1 capital adequacy ratio of 8.18%, showing an increase in capital adequacy[11]. - Operating revenue for the first half of 2023 reached RMB 33,248 million, an increase of 4.63% compared to RMB 31,778 million in the same period of 2022[18]. - The average return on total assets was 0.58%, while the average return on equity was 10.71%[29]. - The cost-to-income ratio increased to 27.96%, up 3.87 percentage points year-on-year[29]. Risk Management - The company is subject to various risks, and future plans are not commitments to investors[5]. - The company emphasizes the importance of risk awareness regarding forward-looking statements[5]. - The company maintains a prudent risk appetite, focusing on "small and diversified" credit principles to support the real economy[78]. - The company has established a comprehensive risk management system, with the board of directors ultimately responsible for risk management[78]. - Credit risk management aims to keep credit risk within a bearable range, maximizing comprehensive benefits adjusted for risk[79]. - The company aims to control market risk within a reasonable range, maximizing comprehensive benefits adjusted for risk[84]. - The company employs various market risk measurement methods, including duration analysis and value at risk (VaR), to manage market risk effectively[84]. Corporate Governance - The company has implemented a governance structure that integrates party leadership with corporate governance, improving operational effectiveness[143]. - The board consists of 14 members, including 2 female directors and 12 members with postgraduate degrees, enhancing diversity[146]. - The company received the highest rating of A for information disclosure from the Shanghai Stock Exchange for two consecutive years[147]. - The company has confirmed that all directors and supervisors have adhered to the securities trading code from January 1, 2023, to June 30, 2023[150]. - The company has complied with the Corporate Governance Code as per the Hong Kong Listing Rules from January 1, 2023, to June 30, 2023, with exceptions noted[151]. Digital Transformation - The company is focusing on digital transformation and has launched the "Micro Sea" digital brand, enhancing its technological capabilities[17]. - The company continues to implement the "Technology-Driven Operations" strategy, enhancing digital infrastructure and innovation[100]. - The company achieved a digital channel transaction substitution rate of 99.78%, leading the industry[131]. - The company optimized its cash management functions, achieving a 53.97% year-on-year increase in core clients to 1,298, with transaction amounts reaching CNY 16,450.63 billion[135]. Customer Engagement - The company has implemented a customer-centric approach, enhancing consumer rights protection and improving customer satisfaction through efficient and high-quality service experiences[198]. - The company has conducted over 5,000 educational activities, reaching more than 19 million consumers, focusing on financial knowledge and consumer protection[198]. - The company reported a personal customer base of 9.1966 million, an increase of 5.30% compared to the beginning of the year[103]. Shareholder Information - The total number of ordinary shares issued by the company as of June 30, 2023, is 26,098,435,963, including 21,544,435,963 A-shares and 4,554,000,000 H-shares[154]. - The largest shareholder, Hong Kong Central Clearing Limited, holds 4,553,749,780 H-shares, representing 17.45% of the total[157]. - Zhejiang Financial Holdings Co., Ltd. increased its holdings by 796,633,132 shares, totaling 3,452,076,906 shares, which is 13.23% of the total[157]. - As of June 30, 2023, 2,561,374,733 shares, accounting for 9.81% of the total issued ordinary shares, are pledged, and 227,801,951 shares are subject to judicial freeze[159]. Compliance and Regulatory - The company has established a compliance risk management framework to ensure legal and regulatory adherence, minimizing potential legal and reputational damages[97]. - The company has launched a dual enhancement initiative for compliance awareness and execution, promoting a culture of compliance across all levels[98]. - Regular compliance training and awareness campaigns are conducted to strengthen employees' understanding of regulations and compliance[98]. Challenges and Future Outlook - The company faces challenges in the second half of 2023 due to insufficient domestic demand and global economic slowdown, but remains committed to high-quality development[141]. - The company aims to enhance its comprehensive financial service capabilities, leveraging the advantages of the Hong Kong International Financial Center and the Greater Bay Area development opportunities[138].

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或 完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該 等內容而引致之任何損失承擔任何責任。 CHINA ZHESHANG BANK CO., LTD. 浙 商 銀 行 股 份 有 限 公 司 （於中華人民共和國註冊成立的股份有限公司） （股票代碼：2016） 二○二三年第一季度報告 根據中國證券監督管理委員會的規定，本公司需刊發第一季度和第三季度報告。 本季度報告內所載的財務資料均未經審計，並根據國際財務報告準則而編製。 本公告乃根據香港聯合交易所有限公司證券上市規則第13.09條及13.10B條及證券及期貨條例 （香港法例第571章）第XIVA部項下內幕消息條文而刊發。 2 浙商銀行股份有限公司 二○二三年第一季度報告 ...

(於中華人民共和國註冊成立的股份有限公司) A 股股票代碼: 601916 H 股股票代碼 : 2016 重要提示 本公司董事會、監事會及董事、監事和高級管理人員保證年度報告內容的真實、準確、 完整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本公司第六屆董事會第八次會議於2023年3月27日審議通過了《浙商銀行股份有限公司 2022年度報告及摘要》。本公司實有董事13名，親自出席的董事11名，陳海強先生委託 馬紅女士出席會議，王國才先生委託周志方先生出席會議，出席人數符合《中華人民共和 國公司法》和本公司章程的規定。本公司9名監事列席了本次會議。 本公司審計師畢馬威華振會計師事務所（特殊普通合夥）和畢馬威會計師事務所已分別對 本公司按照中國會計準則和國際財務報告準則編製的2022年度財務報告進行了審計，並 分別出具了標準無保留意見的審計報告。 本報告除特別說明外，金額幣種為人民幣。本報告所載若干金額及百分比數字已作四捨 五入調整。任何表格中總數與金額總和間的差異均由於四捨五入所致。 本公司董事會建議派發2022年度現金股息，每10股分配現金股息人民幣2.10元（含稅）， 以人民幣向A ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不就因本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 CHINA ZHESHANG BANK CO., LTD. 浙 商 銀 行 股 份 有 限 公 司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：2016） 2022年度業績公告 浙商銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈本行截至2022年12 月31日止年度經審計業績。本公告列載本行2022年度報告全文，並符合香港聯合 交易所有限公司（「聯交所」）證券上市規則中有關年度業績初步公告附載的資料之 要求。 發佈年度業績公告及年度報告 本業績公告的中英文版本可在本行網站(www.czbank.com)和聯交所網站 (www.hkex.com.hk)查閱。在對中英文文本的理解上發生歧義時，以中文文本為 準。 本行2022年度報告的印刷版本將會隨後寄發予本行H股股東，並可於其時在本行 網站(www.czbank.com)及聯交所網站(www.hkex.com.hk)閱覽。 ...