Core Insights - Zhejiang Commercial Bank reported a decline in operating income for Q3 2025, totaling 48.931 billion yuan, a decrease of 3.56 billion yuan or 6.78% year-on-year [2] - The bank's net interest income was 34.438 billion yuan, down 1.149 billion yuan or 3.23% year-on-year, with a net interest margin of 1.67%, a decrease of 0.13 percentage points [2] - Non-interest income fell to 14.493 billion yuan, a reduction of 2.411 billion yuan or 14.26% year-on-year [2] - The cost-to-income ratio improved to 26.44%, down 1.46 percentage points year-on-year [2] - Net profit attributable to shareholders was 11.668 billion yuan, a decrease of 1.237 billion yuan or 9.59% year-on-year [2] Asset Quality - As of the end of the reporting period, the bank's non-performing loan balance was 25.661 billion yuan, an increase of 0.167 billion yuan from the end of the previous year [2] - The non-performing loan ratio stood at 1.36%, a slight decrease of 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio was 159.56%, down 19.11 percentage points from the end of the previous year [2] - The loan provision ratio was 2.17%, a decrease of 0.29 percentage points from the end of the previous year [2]

Core Insights - Zhejiang Zheshang Bank reported its Q3 2025 financial results, showing total assets of 3.39 trillion yuan, a year-on-year increase of 1.91% [1] - The bank achieved operating income of 48.931 billion yuan and a net profit attributable to shareholders of 11.668 billion yuan [1] - The asset quality has improved, with a non-performing loan ratio of 1.36%, down by 0.02 percentage points from the end of the previous year [1]

截至报告期末，该集团资本充足率12.15%，比上年末下降0.46个百分点;一级资本充足率 9.61%，与上年 末持平;核心一级资本充足率8.40%，比上年末上升0.02个百分点。 截至报告期末，该集团资产总额33,890.12亿元，比上年末增加634.73亿元，增长1.91%。其中：发放贷 款和垫款总额18,962.72亿元，比上年末增加391.56亿元，增长2.11%。负债总额 31,822.78亿元，比上年 末增加594.82亿元，增长1.90%。其中：吸收存款20,597.73亿元，比上年末增加1,374.84亿元，增长 7.15%。 截至报告期末，该集团不良贷款余额256.61亿元，比上年末增加1.67亿元;不良贷款率1.36%，比上年末 下降0.02个百分点;拨备覆盖率159.56%，比上年末下降19.11个百分点;贷款拨备率 2.17%，比上年末下降 0.29个百分点。 智通财经APP讯，浙商银行(02016)公布2025年前三季度业绩，营业收入为489.58亿元，同比减少6.78%; 归属于该行股东的净利润为116.68亿元，同比减少9.59%;基本每股收益0.47元。 ...

Core Viewpoint - Zhejiang Commercial Bank's Q3 2025 report indicates stable fundamentals and a focus on quality over scale, with a net profit of 11.668 billion yuan and a non-performing loan ratio of 1.36% [2][5] Financial Performance - As of September 2025, total assets reached 3.39 trillion yuan, a 1.91% increase from the end of the previous year [2][3] - Operating income for the period was 48.931 billion yuan, with a net profit attributable to shareholders of 11.668 billion yuan, reflecting a year-on-year decline of 9.59% [5] - The bank's net interest margin stood at 1.67%, down 4 basis points from the previous year [5] Asset and Liability Management - Total liabilities increased to 3.182 trillion yuan, a growth of 1.90% from the previous year, with deposits surpassing 2 trillion yuan, growing by 7.15% [4] - The bank has shifted its asset structure towards "low risk, balanced return" to optimize its balance sheet amid narrowing interest margins [3] Risk Management - The non-performing loan ratio improved to 1.36%, a decrease of 0.02 percentage points from the end of the previous year, indicating enhanced asset quality [5] - Capital adequacy ratios remained stable, with a total capital adequacy ratio of 12.15% and a core tier 1 capital ratio of 8.40%, up 0.02 percentage points from the previous year [5] Strategic Initiatives - The bank is focusing on supporting the real economy by injecting "financial vitality" into key sectors, with a commitment to increase financing services in Zhejiang province [6] - Initiatives include the "Deepening Zhejiang" three-year action plan and the "Cross-border Protection Plan" to support private enterprises in international trade [6][7] Future Outlook - The bank aims to enhance its service capabilities to the real economy while pursuing high-quality development through digital transformation and strategic focus on Zhejiang [7]

Core Viewpoint - Zhejiang Commercial Bank's Q3 2025 report shows stable fundamentals with a focus on quality over scale, adapting to external pressures in the banking sector [1][2][3] Financial Performance - As of September 2025, total assets reached 3.39 trillion yuan, a 1.91% increase from the end of the previous year [1][2] - Operating income for the period was 48.931 billion yuan, with net profit attributable to shareholders at 11.668 billion yuan [1][3] - The non-performing loan ratio improved to 1.36%, down 0.02 percentage points from the end of the previous year [1][3] Strategic Adjustments - The bank has shifted its focus from "scale obsession" to "quality first, moderate scale," emphasizing a "low-risk, balanced return" asset structure [1][2] - The bank's loan and advance total reached 1.896 trillion yuan, increasing by 2.11% from the previous year [2] Risk Management - Net interest margin for the first nine months was 1.67%, a decrease of 4 basis points compared to the previous year [3] - The bank's capital adequacy ratio stood at 12.15%, with a core tier 1 capital ratio of 8.40%, up 0.02 percentage points from the end of the previous year [3] Support for the Real Economy - The bank is committed to injecting "financial vitality" into key sectors, with a focus on supporting major projects and innovation [4][5] - The "Deepening Zhejiang" initiative aims to enhance market share in the province, with financing services totaling 1.16 trillion yuan [4] - The bank has pledged to provide no less than 10 billion yuan annually in new financing services for advanced manufacturing [5]

浙商银行(02016.HK)前三季度净利润约为116.68亿元 浙商银行(02016.HK)拟10月30日举行董事会会议审 批季度业绩 相关事件 格隆汇10月30日丨浙商银行(02016.HK)公布2025年第三季度报告。前三季度营收约为人民币489.58亿 元，净利润约为116.68亿元，基本每股收益为0.42元。 ...

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） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10(B)條作出。 如下公告已於上海證券交易所網站刊登，僅供參閱。 特此公告。 承董事會命 浙商銀行股份有限公司 陳海強 執行董事、行長 中國，杭州 2025年10月30日 截至本公告日期，本行的執行董事為陳海強先生及馬紅女士；非執行董事為侯興 釧先生、任志祥先生、胡天高先生及應宇翔先生；獨立非執行董事為汪煒先生、 許永斌先生、傅廷美先生、施浩先生及樓偉中先生。 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： 2025 年 10 月 30 日，浙商银行股份有限公司（以下简称"本公司"或"浙商 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-050 浙商银行股份有限公司 关于关联交易事项的公告 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： 2025 年 10 月 30 日，浙商银行股份有限公司（以下简称"本公司"或"浙商 银行"）第七届董事会第六次会议审议通过了《关于本行对浙江省创新投资集 团关联方授信方案的议案》《关于本行对中国太平保险集团关联方授信方案的 议案》《关于本行对浙江恒逸集团关联方授信方案的议案》《关于本行对浙江 浙银金融租赁股份有限公司关联方授信方案的议案》《关于本行对绍兴市柯桥 区国有资产控股集团关联方授信方案的议案》，关联董事回避表决。 上述关联交易无需提交股东大会审议。 本公告述及的关联交易事项属于本公司日常业务经营中的正常授信业务，对 本公司的正常经营活动及财务状况不构成重要影响。 一、关联交易概述 （一）与浙江省创新投资集团关联方的关联交易 本公司第七届董事会第六次会议审议通过了《关于本行对浙江省创新投资 集团关联方授信方案的议案》，同意给予浙江省创新投资集 ...

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） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10(B)條作出。 如下公告已於上海證券交易所網站刊登，僅供參閱。 证券代码：601916 证券简称：浙商银行 公告编号：2025-049 浙商银行股份有限公司 第七届监事会第十四次会议决议公告 特此公告。 承董事會命 浙商銀行股份有限公司 陳海強 執行董事、行長 中國，杭州 2025年10月30日 截至本公告日期，本行的執行董事為陳海強先生及馬紅女士；非執行董事為侯興 釧先生、任志祥先生、胡天高先生及應宇翔先生；獨立非執行董事為汪煒先生、 許永斌先生、傅廷美先生、施浩先生及樓偉中先生。 本公司监事会及全体监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 ...

浙商银行股份有限公司（以下简称"本公司"）第七届监事会第十四次会 议于2025年10月16日发出会议通知，于2025年10月30日在杭州以现场结合通讯 方式召开。本次会议应出席监事10名，实际出席监事10名，其中，马晓峰、王 君波、陈中监事因工作安排视频参会。本次会议的召开符合法律、法规、部门 规章、其他规范性文件和《浙商银行股份有限公司章程》的有关规定。 会议由郭定方监事长主持，会议审议通过了以下议案： 证券代码：601916 证券简称：浙商银行 公告编号：2025-049 浙商银行股份有限公司 第七届监事会第十四次会议决议公告 本公司监事会及全体监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。 表决结果：10票赞成，0票反对，0票弃权。 特此公告。 浙商银行股份有限公司监事会 2025 年 10 月 30 日 一、通过《浙商银行股份有限公司2025年第三季度报告》。 监事会对本公司2025年第三季度报告进行了审核，并出具如下审核意见： 《浙商银行股份有限公司2025年第三季度报告》的编制和审议程序符合法律、 法规以及监管部门的相关规定，内容真 ...