证券代码：601916 证券简称：浙商银行 公告编号：2023-070 浙商银行股份有限公司 第六届董事会 2023 年第七次临时会议决议公告 应宇翔先生简历请见附件。 1 二、通过《浙商银行股份有限公司股权管理办法》 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"）第六届董 事会 2023 年第七次临时会议于 2023 年 11 月 17 日发出会议通知，以书面传签方 式召开，表决截止日为 2023 年 11 月 24 日。目前本公司董事会成员共 14 人。实 际参与书面传签表决的董事共 13 名，高勤红董事因提名股东股权质押的原因， 不行使表决权。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》（以下简称"《公司章程》"）的规定。 会议审议通过了以下议案： 一、通过《关于提名应宇翔先生为浙商银行股份有限公司董事候选人的议 案》 表决结果：13票赞成，0票反对，0票弃权。 该议案已经公司董事会提名与薪酬委员会审议通过。 本议案需提交 ...

浙商银行股份有限公司第六届董事会 2023年第七次临时会议独立董事独立意见 根据《上海证券交易所股票上市规则》《上市公司独立董事管理办法》等法 律、行政法规、部门规章和规范性文件，以及《浙商银行股份有限公司章程》（以 下简称"《公司章程》"）等有关规定，作为浙商银行股份有限公司（以下简称 "公司"）的独立董事，现就公司第六届董事会2023年第七次临时会议相关事项 发表如下独立意见： 关于提名董事候选人的独立意见 本次董事候选人的提名、审议程序符合法律法规及《公司章程》的相关规定。 董事候选人应宇翔先生具备法律法规规定的董事任职资格及工作经验，不存在 《公司法》《公司章程》规定不得担任公司董事的情形，也不存在被中国证监会 确定为市场禁入者且尚未解禁的情形。同意提名应宇翔先生为公司董事候选人， 并将该事项提交公司股东大会审议。 独立董事：周志方、王国才、 汪炜、许永斌、傅廷美 2023年11月24日 ...

浙商银行2023年第三季度业绩说明会 （根据录音整理） 会议时间：2023年11月1日15:30-16:30 会议形式：电话会议 行内参会人员：副行长骆峰、独立董事周志方、资金营运中心 总经理黄兴越、计划财务部总经理彭志远、浙江业务总部执行 副总裁郑建明、公司银行部副总经理沈金方、小企业信贷中心 副总经理郑君京、风险管理部副总经理陈永兵、信用卡（消费 金融）部营销推广中心主管娄振宇 记录人：浙商银行董事会办公室 提问一（中金公司银行业分析师王子瑜）：我们看到整个三 季度债券市场的波动是加剧了，但是我行其他非息营收表现还 是不错的，就想请问一下我行在金融投资业务这一块有何应对 措施，以及未来如何展望金融投资业务的营收表现。 副行长骆峰：三季度债券市场实际上在 7、8 两个月呈现稳 中向下的态势。我们延续了今年 3 月份以来看多债券市场的策 略。到 8 月末、9 月初的时候，我们关注到政策出台的密集度 及同步性， 9 月正好也是季末月，我们综合判断 9 月以后将会 因为持续政策预期的引导、资金面的扰动、债券供给的压力以 提问二（浙商证券银行业分析师周源）：我这边主要是想问 一个跟信贷投放有关的问题。就想请领导给我 ...

Financial Performance - Net profit attributable to shareholders was RMB 5,010 million, up 9.80% from the same period last year[4] - Operating income for Q3 2023 was RMB 16,463 million, representing a 3.04% increase year-on-year[4] - The net profit attributable to shareholders for the period was RMB 127.53 billion, representing a year-on-year increase of RMB 12.16 billion or 10.54%[13] - The net profit attributable to shareholders for the first three quarters of 2023 was RMB 12,753 million, up from RMB 11,537 million in 2022, representing an increase of about 10.6%[26] - The total operating income for the same period was RMB 49,690 million, compared to RMB 47,717 million in 2022, reflecting a year-on-year growth of approximately 4.1%[24] - The total comprehensive income for the first three quarters of 2023 was RMB 12,931 million, compared to RMB 11,535 million in 2022, reflecting a year-on-year increase of approximately 12.1%[28] Asset and Liability Management - Total assets reached RMB 2,956,881 million, an increase of 12.77% compared to the end of 2022[4] - The total liabilities increased to RMB 2,770.12 billion, reflecting a growth of RMB 314.12 billion or 12.79% from the previous year[13] - The total assets of the group as of September 30, 2023, reached RMB 2,956,881 million, compared to RMB 2,621,930 million at the end of 2022, indicating a growth of approximately 12.8%[22] - The total liabilities and shareholders' equity amounted to RMB 2,956,881 million as of September 30, 2023, compared to RMB 2,621,930 million at the end of 2022[22] Loan and Deposit Growth - Total loans and advances amounted to RMB 1,697,621 million, reflecting an 11.32% growth year-on-year[4] - The total loans and advances amounted to RMB 1,697.62 billion, up by RMB 172.59 billion or 11.32% year-on-year[13] - The total deposits reached RMB 1,793.42 billion, an increase of RMB 111.74 billion or 6.66% from the previous year[13] - The net increase in customer deposits for the period was RMB 107,586 million, compared to RMB 301,143 million in the previous year[30] - The group reported a net increase in interbank and other financial institution deposits of RMB 38,818 million during the period[30] Capital Adequacy and Ratios - The capital adequacy ratio stood at 11.83%, compared to 11.60% at the end of 2022[6] - The bank's core tier 1 capital adequacy ratio was 8.28%, an increase from 8.05% at the end of 2022[6] - The capital adequacy ratio improved to 11.83%, an increase of 0.23 percentage points from the previous year[13] Income Composition - The non-interest income as a percentage of operating income rose to 27.23%, an increase of 3.59 percentage points[4] - The group’s non-interest income was RMB 13.74 billion, reflecting an increase of RMB 1.46 billion or 11.90% year-on-year, accounting for 27.65% of total revenue, up by 1.91 percentage points[13] - The net interest income for the period was RMB 35.95 billion, an increase of RMB 5.12 billion or 1.44% year-on-year, with a net interest margin of 1.90%, down by 0.16 percentage points[13] - The net interest income for the period from January 1 to September 30, 2023, was RMB 35,949 million, a slight increase from RMB 35,437 million in the same period of 2022[24] Cash Flow Analysis - The net cash flow from operating activities was not applicable, with a previous year figure of RMB (15,063) million[4] - The group reported a significant decrease in cash flow from operating activities, with a net cash outflow of RMB 15.06 billion compared to a net inflow of RMB 123.09 billion in the same period last year, a decline of 112.24%[15] - The net cash outflow from operating activities for the first three quarters of 2023 was RMB 15,063 million, contrasting with a net inflow of RMB 123,088 million in the same period of 2022[33] - The net cash flow from investing activities for the period from January 1 to September 30, 2023, was a negative RMB 47.497 million, compared to a negative RMB 72.127 million in the same period of 2022[36] - The net cash flow from financing activities was a negative RMB 24.873 million, compared to a negative RMB 11.411 million in the same period of 2022[39] Other Financial Metrics - The bank's diluted earnings per share for Q3 2023 was RMB 0.19, a decrease of 5.00% compared to the previous year[4] - The basic earnings per share for the first three quarters of 2023 was RMB 0.53, an increase from RMB 0.48 in the same period of 2022[28] - The non-performing loan balance was RMB 24.55 billion, up by RMB 2.20 billion or 9.82% compared to the end of the previous year, with a non-performing loan ratio of 1.45%, down by 0.02 percentage points[13] - The impact of exchange rate changes on cash and cash equivalents was RMB 596 million, down from RMB 1,831 million in the previous year[39] - The ending balance of cash and cash equivalents was RMB 82.875 million, compared to RMB 79.414 million at the end of the same period last year[39]

Financial Performance - Operating income for the first nine months of 2023 was RMB 49,719 million, representing a growth of 4.05% year-on-year [5]. - Net profit attributable to shareholders for the first nine months of 2023 was RMB 12,753 million, up 10.54% from the same period in 2022 [5]. - The net interest income for the first nine months of 2023 was RMB 35.949 billion, a slight increase of RMB 0.512 billion or 1.44% compared to the same period in 2022 [21]. - The non-interest net income reached RMB 13.770 billion, an increase of RMB 1.423 billion or 11.53% year-on-year, accounting for 27.70% of total operating income [16]. - Total comprehensive income for Q3 2023 reached RMB 12,931 million, an increase of 12.1% compared to RMB 11,535 million in Q3 2022 [23]. - Basic and diluted earnings per share for Q3 2023 were RMB 0.53, up from RMB 0.48 in Q3 2022, reflecting a growth of 10.4% [23]. Assets and Liabilities - Total assets as of September 30, 2023, reached RMB 2,956,881 million, an increase of 12.77% compared to the end of 2022 [4]. - The bank's total liabilities as of September 30, 2023, amounted to RMB 2,770,121 million, reflecting a 12.79% increase from the end of 2022 [4]. - The total amount of loans and advances issued was RMB 1,697.621 billion, up RMB 172.591 billion or 11.32% year-on-year [16]. - The bank's loans and advances increased to RMB 1,655,002 million as of September 30, 2023, compared to RMB 1,486,291 million at the end of 2022, reflecting a growth of 11.4% [24]. - The bank's financial investments measured at fair value and recognized in other comprehensive income increased to RMB 240,941 million as of September 30, 2023, from RMB 194,037 million at the end of 2022, a growth of 24.2% [24]. - The total liabilities increased to RMB 2,770,121 million as of September 30, 2023, compared to RMB 2,456,000 million at the end of 2022, marking a growth of 12.8% [25]. Capital and Ratios - The core tier 1 capital adequacy ratio stood at 8.25% as of September 30, 2023, compared to 8.05% at the end of 2022 [7]. - The capital adequacy ratio improved to 11.83%, up 0.23 percentage points from the end of the previous year [16]. - The bank's capital reserve rose to RMB 38,570 million as of September 30, 2023, up from RMB 32,289 million at the end of 2022, indicating a growth of 19.5% [25]. Cash Flow - The net cash flow from operating activities for the first nine months of 2023 was (RMB 15,063 million), a significant decrease of 112.24% compared to the previous year [5]. - The net cash used in operating activities for the nine months ended September 30, 2023, was RMB (15,063) million, a significant decrease from RMB 123,088 million in the same period of 2022 [29]. - Cash flow from investing activities net amount was (47,497) in 2023, an improvement from (72,127) in 2022 [30]. - Cash flow from financing activities net amount improved to 37,091 in 2023 from (64,203) in 2022 [30]. Shareholder Information - The number of shareholders as of the reporting date was 264,571 [12]. - The net increase in deposits for the nine months ended September 30, 2023, was RMB 107,586 million, compared to RMB 301,143 million in the same period of 2022 [29]. - The bank's non-controlling interests increased to RMB 3,245 million as of September 30, 2023, compared to RMB 2,997 million at the end of 2022, reflecting an increase of 8.3% [25].

证券代码：601916 证券简称：浙商银行 公告编号：2023-066 浙商银行股份有限公司 第六届董事会第十次会议决议公告 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。 具体详见本公司在上海证券交易所及香港联交所披露的《浙商银行股份有 限公司2023年第三季度报告》。 二、通过《浙商银行关于主要股东评估的报告》 表决结果：13票赞成，0票反对，0票弃权。 浙商银行股份有限公司（以下简称"本公司"或"浙商银行"）第六届董 事会第十次会议于 2023 年 10 月 13 日发出会议通知，并于 2023 年 10 月 27 日在 杭州以现场结合通讯方式召开。目前本公司董事会成员共 14 人。本次会议亲自 出席并参与表决的董事共 12 名，其中侯兴钏董事、胡天高董事、傅廷美独立董 事以视频形式参会。朱玮明董事因其他公务未能亲自出席，书面委托任志祥董 事出席会议并代为表决。高勤红董事参加会议，但因提名股东股权质押的原因， 不行使表决权。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》（以下简称" ...

证券代码：601916 证券简称：浙商银行 公告编号：2023-068 浙商银行股份有限公司 2023年半年度募集资金存放与实际使用情况的专项报告 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。 根据《上市公司监管指引第2号——上市公司募集资金管理和使用的监管要求》 《上海证券交易所上市公司自律监管指引第1号——规范运作》《上海证券交易所上市 公司自律监管指南第1号——公告格式》以及《浙商银行股份有限公司募集资金管理办 法》等有关规定，浙商银行股份有限公司（以下简称"本行"）编制了《2023年半年度 募集资金存放与实际使用情况的专项报告》，详细情况如下： 一、募集资金基本情况 1 二、募集资金管理情况 为规范本行募集资金管理，保护投资者权益，本行制定了《浙商银行股份有限公司 募集资金管理办法》，并根据有关法律法规及《上市公司监管指引第2号——上市公司 募集资金管理和使用的监管要求》《上海证券交易所上市公司自律监管指引第1号—— 规范运作》的规定，对A股配股募集资金实行专户存储，在本行杭州分行营业部开立A股 配 股 募 集 资 ...

2、同意将《关于本行对浙江恒逸集团关联方授信方案的议案》提交公司董 事会审议。 二、关于公司对浙江浙银金融租赁股份有限公司关联方授信方案的事前认 可 第十次会议独立董事事前认可声明 根据《上海证券交易所股票上市规则》《上市公司独立董事管理办法》等法 律、行政法规、部门规章和规范性文件，以及《浙商银行股份有限公司章程》等 有关规定，作为浙商银行股份有限公司（以下简称"公司"）的独立董事，我们 召开了第六届董事会2023年第二次独立董事专门会议，对公司第六届董事会第 十次会议相关事项进行了事前审查，基于独立客观的立场，本着审慎负责的态度， 发表事前书面意见如下： 一、关于公司对浙江恒逸集团关联方授信方案的事前认可 1、该关联交易属于公司正常授信业务，对公司正常经营活动及财务状况不 会造成重大影响，符合国家有关法律、法规和政策的规定，不存在损害公司、股 东，特别是中小股东的利益的情形； 浙商银行股份有限公司第六届董事会 1、该关联交易属于公司正常授信业务，对公司正常经营活动及财务状况不 会造成重大影响，符合国家有关法律、法规和政策的规定，不存在损害公司、股 东，特别是中小股东的利益的情形； 2、同意将《关于本行对浙 ...

浙商银行股份有限公司第六届董事会 该关联交易基于公司正常经营业务开展需要，属于银行正常经营范围内发 生的常规业务，公司与关联方之间的交易遵循市场化定价原则，以不优于对非关 联方同类交易的条件进行，没有损害公司、股东，特别是中小股东利益的情形， 符合关联交易管理的公允性原则，不影响公司的独立性，不会对公司的持续经营 能力、盈利能力及资产状况造成重大影响。上述议案已经公司第六届董事会第十 次会议审议通过，关联董事侯兴钏回避表决，决策程序合法合规。 三、关于骆峰职务聘任的独立意见 法》《公司章程》规定不得担任公司高级管理人员的情形，也不存在被中国证监 会确定为市场禁入者且尚未解禁的情形。同意聘任骆峰为公司董事会秘书。 一、关于公司对浙江恒逸集团关联方授信方案的独立意见 该关联交易基于公司正常经营业务开展需要，属于银行正常经营范围内发 生的常规业务，公司与关联方之间的交易遵循市场化定价原则，以不优于对非关 联方同类交易的条件进行，没有损害公司、股东，特别是中小股东利益的情形， 符合关联交易管理的公允性原则，不影响公司的独立性，不会对公司的持续经营 能力、盈利能力及资产状况造成重大影响。上述议案已经公司第六届董事会第十 ...

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: 2023 年 10 月 27 日，浙商银行股份有限公司（以下简称"本公司"或"浙商 银行"）第六届董事会第十次会议审议通过了《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 证券代码：601916 证券简称：浙商银行 公告编号：2023-069 （一）与浙江恒逸集团关联方的关联交易 本公司第六届董事会第十次会议审议通过了《关于本行对浙江恒逸集团关 联方授信方案的议案》，同意给予浙江恒逸集团有限公司最高综合授信额度人 民币 65 亿元，授信方案有效期一年。 （二）与浙江浙银金融租赁股份有限公司关联方的关联交易 本公司第六届董事会第十次会议审议通过了《关于本行对浙江浙银金融 ...