浙商银行股份有限公司（以下简称"本公司"）第七届监事会第三次会议 于2024年9月14日发出会议通知，于2024年9月29日在杭州以现场方式召开。本 次会议应出席监事11名，实际出席监事11名。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： 一、通过《<浙商银行股份有限公司2021-2025年发展规划>中期执行情况的 评估报告》。 证券代码：601916 证券简称：浙商银行 公告编号：2024-042 浙商银行股份有限公司 第七届监事会第三次会议决议公告 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：11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 2024 年 9 月 29 日 1 ...

鉴于第七届董事会成员中新任独立董事任职资格暂未获批，周志方先生、 王国才先生同时离任将导致本公司独立董事人数少于董事会成员人数的三分之 一，且导致董事会专门委员会中独立董事所占比例将不符合法律法规、《浙商 银行股份有限公司章程》（以下简称"《公司章程》"）的规定，根据《上市 公司独立董事管理办法》和《公司章程》等相关规定，经本公司征求当事人意 见，在新任独立董事任职资格获批前，王国才先生仍将按照相关法律、法规和 《公司章程》的规定继续履行公司独立董事及董事会下设专门委员会的相关职 务；周志方先生不再继续履职，周志方先生的辞任自辞职报告送达本公司董事 会时生效，其不再担任本公司独立董事及董事会下设专门委员会的相关职务。 证券代码：601916 证券简称：浙商银行 公告编号：2024-040 浙商银行股份有限公司 关于独立董事辞职的公告 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。 浙商银行股份有限公司（以下简称"本公司"）董事会近日收到独立董事 周志方先生、王国才先生提交的辞职报告。基于周志方先生、王国才先生连续 担任独立董事 ...

一、通过《关于补选浙商银行第七届董事会专门委员会委员的议案》 证券代码：601916 证券简称：浙商银行 公告编号：2024-041 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。 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 2024 年第四次临时会议于 2024 年 9 月 18 日发出会议通知，以书面传签方 式召开，表决截止日为 2024 年 9 月 24 日。本公司董事会现有董事 11 名，实际 参与书面传签表决的董事共 11 名。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》的规定。 会议审议通过了以下议案： 表决结果：11票赞成，0票反对，0票弃权。 浙商银行股份有限公司 第七届董事会 2024 年第四次临时会议决议公告 浙商银行股份有限公司董事会 2024 年 9 月 24 日 1 表决结果：11票赞成，0票反对，0票弃权。 本议案需提交股东大会听取。 特此公告。 表决结果：11票赞成，0票反对，0票弃权。 三、《浙商银行关于2023年度大股东行为 ...

( 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 2024 中 期 報 告 1、 本公司董事會、監事會及董事、監事和高級管理人員保證本報告內容的真實、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。 2、 本報告於2024年8月29日由本公司第七屆董事會2024年第二次臨時會議審議通過。本公司實有董事12 名，親自出席的董事12名，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。公司10名監事 列席了本次會議。 3、 截止本報告披露日，本公司無中期利潤分配或公積金轉增股本方案。 4、 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。 5、 本公司2024年中期財務報告未經審計。 6、 本公司董事長陸建強、主管財務負責人侯波和財務機構負責人彭志遠保證本報告中財務報告的真實、準 確、完整。 目 錄 | 釋義 | 2 | | --- | --- | | 公司基本情況 | 3 | | 公司業務概要 | 5 | | 發展戰略及核 ...

Financial Performance - In the first half of 2024, the company's operating income reached RMB 35.295 billion, representing a year-on-year growth of 6.16%[7]. - The net profit attributable to shareholders was RMB 7.999 billion, an increase of 3.31% compared to the previous year[7]. - Operating income for the first half of 2024 reached RMB 35,295 million, a 6.16% increase from RMB 33,248 million in the same period of 2023[13]. - Pre-tax profit increased to RMB 9,741 million, reflecting a 3.87% growth compared to RMB 9,378 million in the first half of 2023[13]. - Basic earnings per share decreased by 14.71% to RMB 0.29 from RMB 0.34 in the first half of 2023[13]. - Average return on total assets declined to 0.52% from 0.58% in the first half of 2023, a decrease of 0.06 percentage points[14]. - Average return on equity fell to 9.78% from 10.71%, a decrease of 0.93 percentage points[14]. - Non-interest income reached RMB 116.53 billion, a significant increase of 25.58% year-on-year[20]. - The total operating income for the first half of 2024 was 35.295 billion RMB, an increase from 33.248 billion RMB in the same period of 2023[37]. Asset and Liability Management - As of the end of the reporting period, total assets amounted to RMB 3.25 trillion, up 3.27% from the end of the previous year[7]. - The total amount of loans and advances was RMB 18.1 trillion, reflecting a growth of 5.59% year-on-year[7]. - The total liabilities increased to RMB 3,052.24 billion, up by 3.31% from the end of 2023[15]. - Customer deposits rose to RMB 1,938.48 billion, marking a 3.74% increase from the end of 2023[15]. - The total amount of loans and advances issued reached RMB 1,812.16 billion, an increase of RMB 95.92 billion or 5.59% compared to the end of last year[41]. - The net amount of loans and advances was RMB 1,767.96 billion, accounting for 54.46% of total assets, up from 53.22% at the end of last year[40]. Risk Management - The non-performing loan ratio stood at 1.43%, with a provision coverage ratio of 178.12%[7]. - The company maintains a prudent and stable risk preference, focusing on small and diversified credit principles to support the real economy[56]. - The company emphasizes the importance of comprehensive risk management, with the board of directors ultimately responsible for risk management oversight[70]. - Credit risk management aims to keep credit risk within acceptable limits while maximizing risk-adjusted returns in RMB terms[71]. - The company has implemented a smart risk control system to enhance its ability to identify and manage risks proactively[70]. Digital Transformation and Innovation - The company is committed to a digital transformation strategy, launching the "Smart Zhejiang Bank" brand and focusing on integrating advanced technologies with banking services[12]. - The company has focused on digital transformation and financial technology innovation to support the real economy[93]. - The company has established a comprehensive information technology risk management system, adhering to ISO standards[91]. - The company has launched the "1+5" cybersecurity protection system to enhance its network security measures[118]. - The company has achieved a 99.9% electronic channel transaction substitution rate, leading the industry in online financial services[120]. Customer Engagement and Market Position - The total number of retail customers reached 30.75 million, an increase of 14.84% compared to the beginning of the year[94]. - The company issued a total of 4.34 million credit cards, an increase of 111,000 cards since the beginning of the year, with a credit card loan balance of 32.26 billion yuan, an increase of 1.72 billion yuan[99]. - The company served over 3,000 digital supply chain projects, benefiting more than 55,000 upstream and downstream customers, with 76% being small and micro enterprises[103]. - The company has actively utilized digital platforms to enhance communication with investors, improving satisfaction among retail investors[139]. Governance and Compliance - The company has received the highest rating of A for its information disclosure work from the Shanghai Stock Exchange for three consecutive years[137]. - The board consists of 12 members, with 1 female member and 10 members holding postgraduate degrees, including 4 with doctoral degrees, reflecting a diverse educational background[136]. - The company has maintained a strict internal policy against insider trading and has established a management system for information disclosure[137]. - The company aims to enhance its compliance management through technology, improving the level of intelligent compliance management[89]. Environmental and Social Responsibility - The company has actively promoted green finance initiatives to support carbon neutrality goals[181]. - As of June 30, 2024, the balance of green loans reached RMB 226.764 billion, an increase of RMB 23.327 billion, representing a growth rate of 11.47%, which is higher than the growth rate of all loans[182]. - The bank committed over RMB 37 million to support rural education initiatives, benefiting over 10,000 students[183].

浙商银行2024年半度业绩说明会问答实录 （根据录音整理） 会议时间：2024年9月2日15:30-17:00 会议形式：网络视频直播 行内参会人员：董事长陆建强，独立董事王国才，副行长、董 事会秘书骆峰，行长助理、首席风险官潘华枫，行长助理侯波 及计划财务部总经理等 外部（在线）参会人员：投资者、分析师、新闻媒体记者及社 会公众 记录人：浙商银行董事会办公室 提问一（中信建投银行业首席分析师马鲲鹏）：请教一个问题， 贵行在行长辞任后已由董事长代为履行行长职责，请问这个变化是否会 对贵行的经营发展、战略规划实施等产生重大影响？下一步的发展战略 和经营政策是怎样的？请各位领导介绍一下。 浙商银行董事长陆建强：非常感谢您的关注和提问。8 月 18 日，张荣森先生因个人原因辞去本行执行董事、行长职务， 由我代为履行行长职责。目前，浙商银行各项经营活动开展正 常，事项不会对日常经营管理工作产生重大影响。过去三年浙 商银行的经营成果系在总行党委坚强领导下，全体员工奋发有 为取得的集体成就，浙商银行战略、机制、队伍稳定，未来高 1 质量发展态势不变。 能够取得这些成绩有三个方面尤其值得总结并长期坚持下 去：一是擎旗"善本 ...

Investment Rating - The investment rating for the company is "Neutral" [1] Core Views - The company's performance in the second quarter was under pressure, with a year-on-year revenue decline of 3.3% and a net profit margin decrease of 1.31 percentage points [1] - The company has increased efforts in managing non-performing loans, with a non-performing loan ratio of 1.83%, up from 1.43% at the beginning of the year [1] - The net interest income decreased by 1.4% in the first half of the year, with a net interest margin of 1.81%, showing a slight improvement compared to the previous quarter [1] - Non-interest income grew by 25.7%, although net commission income declined [1] Financial Performance Summary - Revenue for the first half of 2024 is projected at 67.39 billion yuan, with a year-on-year growth of 5.8% [2] - Net profit is expected to reach 15.53 billion yuan in 2024, reflecting a 3.2% increase [2] - The company’s total assets are forecasted to grow to 35.21 billion yuan in 2024, with a loan growth rate of 10% [2] - The return on equity (ROE) is projected to be 9.6% in 2024, down from 10.3% in 2023 [2] Asset Quality Indicators - The non-performing loan ratio is expected to improve slightly to 1.42% in 2024 [2] - The provision coverage ratio is projected to remain stable at around 184% [2] - The credit cost ratio is expected to decrease to 1.68% in 2024 [2]

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） 2024年中期業績公告 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2024年6月 30日止6個月之未經審計中期業績。本公告列載本行2024年中期報告全文，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中期業績初步公告附 載的資料之要求。 發佈中期業績公告及中期報告 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2024年中期報告將會隨後寄發予本行H股股東（如要求），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。 承董事會命 浙 ...

Financial Performance - China Zheshang Bank reported its unaudited interim results for the six months ended June 30, 2024[2]. - Net profit for the period was RMB 12 billion, representing a year-on-year growth of 10%[4]. - In the first half of 2024, the bank reported operating income of CNY 35.295 billion, a year-on-year increase of 6.16%[10]. - Operating income for the first half of 2024 reached RMB 35,295 million, a 6.16% increase from RMB 33,248 million in the same period of 2023[16]. - Net profit attributable to shareholders reached CNY 7.999 billion, reflecting a year-on-year growth of 3.31%[10]. - Total comprehensive income for the period was RMB 9,301 million, up 10.9% from RMB 8,390 million in the same period last year[197]. - The bank's basic earnings per share for the period was RMB 0.29, down from RMB 0.34 in the same period of 2023[197]. Asset and Loan Growth - The bank's total assets reached RMB 3.5 trillion, an increase of 8% compared to the previous year[4]. - Total assets amounted to CNY 3.25 trillion, up 3.27% from the end of the previous year[10]. - The total amount of loans and advances was CNY 18.1 trillion, increasing by 5.59% compared to the end of last year[10]. - The bank's loan and advance to customers increased to RMB 1,767,957 million, up from RMB 1,673,272 million, reflecting a growth of 5.6%[199]. - Total loans and advances reached RMB 1,812.16 billion, up RMB 95.92 billion or 5.59% from the end of the previous year[22]. Non-Performing Loans and Risk Management - The bank's non-performing loan ratio improved to 1.5%, down from 1.7% in the previous period[4]. - The non-performing loan ratio stood at 1.43%, with a provision coverage ratio of 178.12%[10]. - The non-performing loan ratio improved slightly to 1.43% from 1.44% at the end of 2023[19]. - The provision coverage ratio decreased to 178.12% from 182.60% at the end of 2023, indicating a slight reduction in coverage for non-performing loans[19]. - Credit impairment losses amounted to RMB 14.927 billion, an increase of RMB 0.712 billion or 5.01% year-on-year[38]. Capital Adequacy and Financial Stability - The capital adequacy ratio improved to 12.86%, an increase of 0.67 percentage points from the end of the previous year[10]. - As of June 30, 2024, the capital adequacy ratio is 12.86%, with a Tier 1 capital adequacy ratio of 9.68% and a core Tier 1 capital adequacy ratio of 8.38%[67]. - The total capital net amount is RMB 250.571 billion, with risk-weighted assets amounting to RMB 1,948.476 billion[68]. - The leverage ratio as of June 30, 2024, is 4.91%, with adjusted on-balance and off-balance sheet assets totaling RMB 3,840.678 billion[69]. Customer Deposits and Digital Banking - Customer deposits increased by 9% to RMB 2.8 trillion, reflecting strong customer confidence[4]. - The bank plans to expand its digital banking services, aiming for a 20% increase in online transactions by the end of 2025[5]. - The total amount of deposits reached RMB 1,938.48 billion, up RMB 69.82 billion or 3.74% from the end of the previous year, with individual deposits increasing by RMB 30.41 billion or 11.28%[52]. Strategic Initiatives and Future Outlook - The bank is exploring potential mergers and acquisitions to enhance its market presence in Southeast Asia[5]. - Future guidance indicates a projected net profit growth of 12% for the full year 2024[5]. - The bank's strategic focus includes digital transformation and comprehensive development across five major business segments[13]. - The company plans to implement a "321" operational strategy focusing on customer-centric comprehensive collaborative reforms and digital transformation in the second half of 2024[135]. Green Finance and Social Responsibility - The bank actively promoted green finance initiatives, aligning with national strategies for carbon neutrality[183]. - As of June 30, 2024, the balance of green loans reached RMB 226.764 billion, an increase of RMB 23.327 billion, with a growth rate of 11.47%, surpassing the growth rate of all loans[184]. - The bank invested over RMB 37 million in educational support activities, benefiting over 10,000 students[185]. - The bank has implemented a comprehensive consumer rights protection system, conducting over 4,048 financial knowledge education activities reaching approximately 53.6993 million consumers[186].

Financial Performance - In the first half of 2024, the company's operating income reached RMB 35.279 billion, representing a year-on-year growth of 6.18%[10]. - The net profit attributable to shareholders for the first half of 2024 was RMB 7,999 million, a 3.31% increase from RMB 7,743 million in the first half of 2023[17]. - The total profit for the first half of 2024 was RMB 9,741 million, representing a 3.9% increase compared to RMB 9,378 million in the first half of 2023[197]. - The bank's investment income surged to RMB 5,590 million, significantly higher than RMB 3,159 million in the same period last year, reflecting an increase of 76.7%[197]. - The total comprehensive income for the first half of 2024 was RMB 9,301 million, compared to RMB 8,390 million in the first half of 2023, marking an increase of 10.9%[200]. - The average return on total assets decreased to 0.52% in the first half of 2024, down from 0.58% in the same period of 2023[19]. - The bank's basic earnings per share for the first half of 2024 was RMB 0.29, down from RMB 0.34 in the same period of 2023[200]. Assets and Liabilities - As of June 30, 2024, total assets amounted to RMB 3.25 trillion, an increase of 3.27% compared to the end of the previous year[10]. - The total liabilities were RMB 3.05 trillion, reflecting a growth of 3.31% from the end of last year[10]. - The total amount of loans and advances was RMB 1,812,163 million, with a non-performing loan (NPL) ratio of 1.43%, slightly down from 1.44% at the end of 2023[61]. - The total amount of deposits absorbed by the company was RMB 1,938,479 million, with an increase of RMB 698.20 billion or 3.74% year-on-year[58]. - The total net capital reached RMB 250.57 billion, up from RMB 236.96 billion at the end of 2023[74]. Capital Adequacy and Risk Management - The capital adequacy ratio increased by 0.67 percentage points, with the core tier one capital adequacy ratio at 8.38%, up by 0.16 percentage points from the end of last year[10]. - The capital adequacy ratio as of June 30, 2024, was 12.86%, with a Tier 1 capital ratio of 9.68% and a core Tier 1 capital ratio of 8.38%[73]. - The company maintains a prudent and stable risk preference, focusing on small and diversified credit principles to support the real economy[64]. - The company has established a comprehensive risk management system for retail customers, utilizing big data to improve credit risk identification capabilities[85]. - The company has implemented a unified credit risk management system for corporate clients, continuously improving the credit risk limit indicator system[83]. Digital Transformation and Innovation - The company aims to enhance its digital transformation and has initiated a "185N" reform framework to integrate advanced technologies into banking operations[15]. - The company is focusing on digital transformation and financial technology innovation to enhance service to the real economy[104]. - The company has implemented a "321" operational strategy to deepen digital reform and improve competitive advantages[104]. - The company launched new digital financial products, including "Scene Certificate" and "Digital Science Loan," to enhance supply chain finance and inclusive finance[124]. - The company has established a comprehensive digital banking service platform, integrating smart services, intelligent operations, and digital management[131]. Customer and Market Engagement - The total number of retail customers reached 30.75 million, an increase of 14.84% compared to the beginning of the year[105]. - The company has serviced over 3,000 digital supply chain projects, benefiting more than 55,000 upstream and downstream clients, with 76% being inclusive small and micro enterprises[112]. - The company provided international settlement services totaling $260.6 billion, a 35% increase year-over-year[121]. - The company has actively participated in the underwriting of local government bonds, with a year-over-year increase of 22.64% in local government bond underwriting volume[115]. - The company emphasizes a customer-centric service philosophy to optimize retail credit products and improve service quality[106]. Governance and Compliance - The company held its annual general meeting on June 12, 2024, with all procedures compliant with relevant regulations[140]. - The board of directors convened 4 meetings during the reporting period, approving 49 proposals[141]. - The company received the "Tianma Award" for investor relations management, highlighting its commitment to investor engagement[145]. - The company has established a comprehensive information technology risk management framework to control risks within acceptable limits[102]. - The company is committed to building a compliance culture and enhancing compliance risk management effectiveness[100].