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"）于 2022 年 2 月 23 日召开 2022 年第一次临时股东大会，选举陆建强先生为本公司第六届董事会董事； 2023 年 4 月 25 日，本公司第六届董事会 2023 年第二次临时会议选举陆建强先 生为第六届董事会董事长。国家金融监督管理总局已于近日核准陆建强先生的 董事及董事长任职资格。详见本公司分别于 2022 年 2 月 24 日、2023 年 4 月 26 日、2023 年 8 月 10 日在上海证券交易所及香港联合交易所披露的相关公告。 根据《浙商银行股份有限公司章程》的规定，董事长为本公司的法定代表 人。2023 年 8 月 10 日，本公司已完成法定代表人的工商登记变更手续，现本公 司法定代表人为陆建强先生。除上述事项外，本公司《营业执照》的其他登记 事项不变。 特此公告。 浙商银行股份有限公司董事会 证券代码：601916 证券简称：浙商银行 公告编号：2023-056 浙商银行股份有限公司 法定代表人变更公告 2 ...

证券代码：601916 证券简称：浙商银行 公告编号：2023-055 浙商银行股份有限公司 关于董事长任职资格获监管机构核准的公告 2023年8月9日，浙商银行股份有限公司（以下简称"本公司"）收到《国 家金融监督管理总局关于浙商银行陆建强任职资格的批复》（金复〔2023〕183 号）。根据有关规定，国家金融监督管理总局（以下简称"金融监管总局"） 已核准陆建强先生的董事及董事长任职资格。 陆建强先生的简历详见本公司 2022 年 1 月 26日刊登于上海证券交易所网站 （www.sse.com.cn）的《浙商银行股份有限公司第六届董事会 2022 年第二次临 时会议决议公告》（公告编号：2022-009）。 鉴于陆建强先生的董事长任职资格已获金融监管总局核准，即日起执行董 事、行长张荣森先生不再代为履行董事长、董事会战略委员会主任委员及法定 代表人职责。 根据《浙商银行股份有限公司章程》的规定，董事长为本公司的法定代表 人，本公司将尽快完成法定代表人的工商登记变更手续。 特此公告。 浙商银行股份有限公司董事会 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 ...

Financial Performance - Net profit attributable to shareholders for Q1 2023 was RMB 5,625 million, up 9.91% from RMB 5,118 million in Q1 2022[3] - The bank's operating income for Q1 2023 was RMB 15,780 million, representing a 2.53% increase compared to the same period last year[3] - The total operating income for the first quarter of 2023 was RMB 15,780 million, up from RMB 15,391 million in the first quarter of 2022, indicating a year-over-year growth of approximately 2.5%[26] - The total comprehensive income for the first quarter of 2023 was RMB 5,123 million, slightly up from RMB 5,033 million in the first quarter of 2022, reflecting a modest increase[31] - The basic earnings per share for the first quarter of 2023 was RMB 0.26, up from RMB 0.20 in the first quarter of 2022, representing a growth of 30%[31] Asset and Liability Management - As of March 31, 2023, total assets reached RMB 2,746,969 million, an increase of 4.77% compared to the end of 2022[3] - Total liabilities reached RMB 2,575,916 million, marking a 4.88% increase from the end of 2022[3] - The total liabilities and shareholders' equity as of March 31, 2023, amounted to RMB 2,746,969 million, an increase from RMB 2,621,930 million as of December 31, 2022, representing a growth of approximately 4.8%[23] - The total equity attributable to shareholders as of March 31, 2023, was RMB 167,943 million, an increase from RMB 162,933 million as of December 31, 2022, representing a growth of approximately 3.1%[23] Loan and Deposit Growth - Total loans and advances amounted to RMB 1,594,669 million, reflecting a growth of 4.57% year-on-year[3] - Total deposits amounted to RMB 1,710.06 billion, reflecting an increase of RMB 28.62 billion or 1.70% year-on-year[12] - The net increase in deposits from customers for the first quarter of 2023 was RMB 28,337 million, compared to RMB 97,174 million in the same period of 2022, showing a decline in deposit growth[34] Cash Flow Analysis - The net cash flow from operating activities was negative RMB 38,022 million, a significant decrease of 178.64% compared to RMB 48,348 million in Q1 2022[3] - Cash flow from operating activities showed a net outflow of RMB 38.02 billion, a decrease of 178.64% compared to the previous year[14] - The ending balance of cash and cash equivalents as of March 31, 2023, was RMB 74,351 million, down from RMB 139,056 million at the end of Q1 2022, a decrease of 46.5%[46] Capital Adequacy and Ratios - The core Tier 1 capital adequacy ratio stood at 8.04%, slightly up from 8.00% at the end of 2022[5] - The capital adequacy ratio was 11.49%, a decrease of 0.11 percentage points compared to the end of the previous year[12] - The liquidity coverage ratio was reported at 136.43%, down from 148.11% at the end of 2022[8] Non-Interest Income - Non-interest income accounted for 25.56% of total operating income, an increase from 25.29% in the previous year[3] - Non-interest income accounted for 25.56% of total revenue, up by 0.27 percentage points year-on-year[12] Investment Activities - The total cash inflow from investment activities for Q1 2023 was RMB 660,376 million, compared to RMB 341,301 million in Q1 2022, representing an increase of 93.6%[42] - The cash outflow for investment activities in Q1 2023 was RMB 704,916 million, up from RMB 379,857 million in Q1 2022, indicating an increase of 85.5%[42] - The net cash flow used in investment activities for Q1 2023 was RMB (44,540) million, compared to RMB (38,556) million in Q1 2022, reflecting a decline of 15.5%[42] Financing Activities - The cash inflow from financing activities in Q1 2023 was RMB 272,337 million, significantly higher than RMB 103,796 million in Q1 2022, marking an increase of 162.5%[46] - The cash outflow from financing activities in Q1 2023 was RMB 222,238 million, compared to RMB 65,249 million in Q1 2022, which is an increase of 240.5%[46] - The net cash flow from financing activities for Q1 2023 was RMB 50,099 million, compared to RMB 38,547 million in Q1 2022, showing an increase of 30.5%[46] Non-Performing Loans - Non-performing loan balance stood at RMB 22.91 billion, with a non-performing loan ratio of 1.44%, down by 0.03 percentage points from the previous year[12]

Financial Performance - Operating income for Q1 2023 was RMB 15,792 million, representing a year-on-year increase of 2.46% from RMB 15,413 million in Q1 2022[5] - Net profit attributable to shareholders for Q1 2023 was RMB 5,625 million, up 9.91% from RMB 5,118 million in the same period last year[5] - The total comprehensive income for Q1 2023 was RMB 5,123 million, a slight increase from RMB 5,033 million in Q1 2022, representing a growth of 1.79%[23] - Basic and diluted earnings per share for Q1 2023 were RMB 0.26, up from RMB 0.20 in Q1 2022, indicating a 30% increase[23] - The net profit before tax for Q1 2023 was RMB 7,131 million, an increase from RMB 6,124 million in Q1 2022, showing a growth of 16.49%[28] Asset and Liability Management - As of March 31, 2023, total assets reached RMB 2,746,969 million, an increase of 4.77% compared to RMB 2,621,930 million at the end of 2022[4] - The total liabilities as of March 31, 2023, amounted to RMB 2,575,916 million, up from RMB 2,456,000 million as of December 31, 2022, marking an increase of 4.85%[25] - The total equity attributable to shareholders as of March 31, 2023, was RMB 167,943 million, an increase from RMB 162,933 million as of December 31, 2022, representing a growth of 3.07%[25] Loan and Deposit Activity - The total loans and advances amounted to RMB 1,594,669 million, reflecting a growth of 4.57% from RMB 1,525,030 million at the end of 2022[4] - The net increase in customer deposits for Q1 2023 was RMB 28,337 million, a significant decrease compared to RMB 97,174 million in Q1 2022[28] - The non-performing loan balance was RMB 22.907 billion, an increase of RMB 0.554 billion, or 2.48% compared to the end of the previous year[16] - The non-performing loan ratio was 1.44%, a decrease of 0.03 percentage points compared to the end of the previous year[16] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio as of March 31, 2023, was 8.04%, slightly down from 8.05% at the end of 2022[7] - The capital adequacy ratio stood at 11.49%, a decrease of 0.11 percentage points from the end of the previous year[16] - The return on average equity (annualized) for Q1 2023 was 16.02%, an increase of 0.48 percentage points from 15.54% in Q1 2022[5] - The cost-to-income ratio for Q1 2023 was 29.10%, an increase of 5.26 percentage points compared to 23.84% in Q1 2022[5] Cash Flow Analysis - The net cash flow from operating activities for Q1 2023 was (RMB 38,022 million), a significant decrease of 178.64% compared to RMB 48,348 million in Q1 2022[5] - The net cash used in operating activities for Q1 2023 was RMB 38,022 million, contrasting with a net cash inflow of RMB 48,348 million in Q1 2022[29] - Cash flow from investment activities showed a net outflow of (44,540) in 2023 compared to (38,556) in 2022, indicating an increase in investment expenditures[30] - Cash flow from financing activities resulted in a net inflow of 50,099 in 2023, up from 38,547 in 2022, primarily due to increased bond issuance[30] Investment and Financial Performance - The net interest income was RMB 11.746 billion, an increase of RMB 0.248 billion, or 2.16% year-on-year[21] - The allowance for expected credit losses in Q1 2023 was RMB 3,894 million, down from RMB 5,455 million in Q1 2022, indicating a decrease of 28.66%[28] - Cash received from investment income rose to 7,299 in 2023 from 6,704 in 2022, showing a positive trend in investment returns[30] - Cash received from the recovery of investments surged to 653,018 in 2023, compared to 334,542 in 2022, indicating strong asset recovery efforts[30]

Financial Performance - The bank achieved a revenue of RMB 16.883 billion from weakly sensitive assets, accounting for 28.53% of total revenue[4]. - Total assets reached RMB 477.6 billion, with retail business revenue growth of 5.31% and small loan business growth of 10.92%[5]. - The bank plans to distribute a cash dividend of RMB 2.10 per 10 shares, pending approval at the annual general meeting[2]. - In 2022, the company achieved double-digit growth in total assets, revenue, and loans, with revenue growth ranking first among national joint-stock banks[14]. - The company reported a significant decrease in the non-performing loan ratio, marking the first decline in five years[14]. - The company reported a decrease in net interest yield to 2.21%, down 0.06 percentage points from the previous year[57]. - The average return on total assets was 0.57%, slightly down from 0.60% in 2021[45]. - The net profit attributable to shareholders reached CNY 13.618 billion, up 7.67% compared to the previous year[25]. - Total operating income for 2022 reached RMB 61.15 billion, an increase of 12.5% compared to RMB 54.58 billion in 2021[45]. - The total amount of loans and advances issued reached RMB 1,525.03 billion, representing an increase of 13.2% from RMB 1,347.24 billion in 2021[45]. Asset Quality - The non-performing loan ratio has decreased for the first time in five years, indicating a significant improvement in asset quality[18]. - The non-performing loan ratio stood at 1.47%, with a provision coverage ratio of 182.19%[25]. - The non-performing loan ratio improved to 1.47%, down from 1.53% in 2021[45]. - The company has implemented differentiated risk control strategies in the real estate sector and continuously optimized credit resource allocation[97]. - The total overdue loans amount to RMB 299.42 billion, an increase of RMB 75.26 billion from the end of the previous year, with loans overdue for more than 90 days totaling RMB 176.37 billion, an increase of RMB 3.87 billion[104]. Loan and Deposit Growth - Deposits increased to RMB 462.8 billion, a growth of 11.89%, while loans reached RMB 499.7 billion, growing by 14.95%[7]. - The total amount of deposits absorbed was RMB 1,681.44 billion, increasing by RMB 265.74 billion or 18.77% year-on-year[90]. - The total amount of loans and advances was CNY 15.3 trillion, increasing by 13.20% year-on-year[25]. - The total amount of personal loans was RMB 417.881 billion, with a non-performing loan ratio of 1.50%[96]. - The total amount of loans secured by guarantees was RMB 289.524 billion, with a non-performing loan ratio of 2.24%[99]. Strategic Initiatives - The company established a strategic focus on six major projects: supply chain finance, inclusive finance, science and technology finance, digital finance, green finance, and comprehensive finance[16]. - The bank signed strategic cooperation agreements with over 20 provincial departments, enhancing service coverage for major projects[11]. - The company has initiated a "Risk Prevention Capability Improvement Year" to enhance its risk management and compliance capabilities[16]. - The company plans to enhance its digital transformation and customer base consolidation as primary strategies for 2023[16]. - The company aims to strengthen its financial functionality and maintain strategic determination to achieve high-quality development[16]. Digital Transformation - The bank has implemented a digital reform framework called "185N" and established the "MICROSEA" ecosystem[20]. - The bank aims to enhance its technology capabilities and achieve "operational digitization and digital value realization" in 2023[20]. - The bank's digital financial services have been recognized, with supply chain finance achieving "one-point credit, chain-based usage," and the "Jinfu Bao•Xiao Wei" platform integrating various services for small businesses[159]. - The company is actively promoting digital transformation and has launched the "Cloud Series" online loan products to optimize loan processes and expand the customer base[139]. - The bank's blockchain and IoT technologies are being utilized to monitor production conditions across multiple industries, enhancing supply chain financial services[160]. Risk Management - The company has established a comprehensive risk management framework, with the board of directors responsible for overall risk management and the senior management implementing it[113]. - Credit risk management aims to control credit risk within a reasonable range, maximizing comprehensive benefits adjusted for risk[114]. - The company emphasizes the importance of monitoring overdue loans and non-performing loans across all client categories[117]. - The company has implemented unified credit management for corporate clients, continuously improving credit risk limit indicators and management systems[116]. - The company is committed to enhancing the management of real estate loan risks, adjusting credit strategies according to national policies and market conditions[116]. Governance and Compliance - The board of directors consists of 13 members, including 3 executive directors, 5 non-executive directors, and 5 independent non-executive directors, ensuring compliance with regulations[182]. - The company held a total of 14 board meetings and various committee meetings during the reporting period, demonstrating active governance[181]. - The company has implemented a self-assessment of its governance mechanisms to improve compliance and effectiveness[182]. - The board has committed to reviewing the effectiveness of its diversity policy annually to ensure a broad range of perspectives[184]. - The company conducts regular assessments and monitoring of country risk, setting limits and thresholds for risk management[127]. Customer Engagement - The number of individual customers (including debit and credit card customers) reached 8.7336 million, an increase of 4.51% compared to the previous year[139]. - Customer consultation volume reached 2.6056 million, with an overall connection rate of 94.17% and customer satisfaction at 99.85%[169]. - The number of private banking clients reached 10,933, a growth of 5.13% from the beginning of the year, with financial assets totaling CNY 164.177 billion, up 5.28%[141]. - The company has over 80% of small micro customers utilizing online loan applications, with both online signing and online submission rates reaching 97%[143]. - The company has strengthened its anti-money laundering framework, enhancing customer identity verification and monitoring of large and suspicious transactions[136].

Financial Performance - In 2022, the total assets, revenue, and loans of China Zheshang Bank achieved double-digit growth, with revenue and loan growth rates ranking first among national joint-stock banks[6]. - In 2022, the bank's operating income reached CNY 61.085 billion, an increase of 12.14% year-on-year[16]. - The net profit attributable to shareholders was CNY 13.618 billion, reflecting a growth of 7.67% compared to the previous year[16]. - Total assets amounted to CNY 2.62 trillion, up 14.66% from the end of the previous year[16]. - The total amount of loans and advances was CNY 15.3 trillion, representing a year-on-year increase of 13.20%[16]. - Non-interest income accounted for 22.96% of total operating income in 2022, a slight decrease of 0.02 percentage points from 2021[28]. - The total amount of loans and advances issued by the group reached RMB 1,525.03 billion, an increase of RMB 177.79 billion or 13.20% compared to the previous year[66]. - The company achieved a significant increase in agency sales business, with agency business commission income rising by 66.88% year-on-year[125]. Asset Quality and Risk Management - The bank's non-performing loan ratio decreased for the first time in five years, indicating improved asset quality[6]. - The non-performing loan ratio has decreased for the first time in five years, indicating a significant improvement in asset quality[8]. - The bank's non-performing loan ratio stood at 1.47%, with a provision coverage ratio of 182.19%[16]. - The non-performing loan (NPL) amount was RMB 22.35 billion, with an NPL ratio of 1.47%, a decrease of 0.06 percentage points from the previous year[79]. - The company implements a "prudent and stable" risk preference, focusing on "small and diversified" credit principles to support the real economy[98]. - The company aims to control credit risk within a manageable range, maximizing risk-adjusted comprehensive benefits[99]. - The company has established a comprehensive credit risk management system for personal loans, including pre-approval and post-monitoring processes[103]. Digital Transformation and Innovation - The bank is actively pursuing digital transformation and has established a comprehensive service capability across five major sectors[6]. - The bank's digital transformation framework, "185N," and the "MICROSEA" ecosystem have been established to enhance operational efficiency[10]. - The bank's digital transformation includes the launch of the "Micro Sea" digital brand, aiming to integrate cutting-edge technology with banking services[21]. - The company is committed to digital transformation, focusing on integrating technology with business operations to enhance efficiency and security[142]. - The company has implemented a comprehensive digital reform strategy, establishing a structured approach to enhance digital capabilities across various applications[143]. - The company achieved a 99.75% online transaction substitution rate across its digital banking services, leading the industry[148]. Governance and Compliance - The board of directors consists of 13 members, including 3 executive directors, 5 non-executive directors, and 5 independent non-executive directors, ensuring compliance with regulations regarding independent director representation[164]. - The company has implemented a governance structure that separates the roles of the shareholders' meeting, board of directors, and supervisory committee to enhance operational efficiency and accountability[162]. - The company is committed to improving corporate governance quality by aligning with best practices and regulatory requirements, as guided by the China Banking and Insurance Regulatory Commission[162]. - The board has reviewed its compliance with laws and regulations, as well as the effectiveness of its risk management and internal control systems during the reporting period[166]. - The company has established a strategic committee and various other committees to support effective governance and decision-making processes[164]. Customer Service and Market Position - The bank's financial services for small and micro enterprises have been recognized as top-tier, maintaining a leading position in the industry[6]. - The number of personal customers (including debit and credit card customers) reached 8.7336 million, an increase of 4.51% compared to the previous year[123]. - The balance of personal deposits was CNY 213.491 billion, a growth of 15.12% from the beginning of the year, with an average interest rate of 2.54%, down 82 basis points year-on-year[124]. - The cumulative issuance of credit cards reached 3.9337 million, an increase of 63,600 cards from the beginning of the year, with credit card loan balance at CNY 21.374 billion, up CNY 3.592 billion[127]. Strategic Initiatives - The bank's strategic cooperation with local governments and enterprises has reached historical highs, supporting rural revitalization and ESG initiatives[6]. - The bank plans to implement a regional strategy focusing on deepening development in Zhejiang while expanding nationwide[9]. - The company aims to enhance its governance practices through self-assessment and continuous improvement initiatives[162]. - The company has established partnerships with 2,075 intelligent manufacturing enterprises, providing cumulative financing of RMB 706.8 billion[129].

Financial Performance - The total assets, revenue, and loans of China Zheshang Bank achieved double-digit growth in 2022, with revenue and loan growth rates ranking first among national joint-stock banks[5]. - In 2022, China Zheshang Bank reported operating income of CNY 61.152 billion, an increase of 12.03% year-on-year[13]. - The net profit attributable to shareholders was CNY 13.618 billion, reflecting a growth of 7.67% compared to the previous year[13]. - The total amount of loans and advances was CNY 15.3 trillion, marking a year-on-year increase of 13.20%[13]. - The non-performing loan ratio stood at 1.47%, with a provision coverage ratio of 182.19%[13]. - The capital adequacy ratio was 11.60%, with a Tier 1 capital ratio of 9.54% and a core Tier 1 capital ratio of 8.05%[13]. - The company reported a continuous increase in operating income growth for six consecutive quarters, ranking first among national joint-stock banks[8]. - The non-performing loan ratio decreased for the first time in five years, indicating a significant improvement in asset quality[8]. Strategic Focus and Transformation - The bank has established a strategic focus on digital transformation, with the "185N" system architecture being advanced[5]. - The bank aims to enhance its comprehensive service capabilities through the collaboration of five major business segments[5]. - The bank's management emphasizes a strategy of "economic cycle weak sensitivity assets" to reshape its strategic framework[5]. - The bank plans to implement a three-year action plan focused on deepening its presence in Zhejiang province[5]. - The bank's management has committed to a cultural transformation emphasizing values such as respect, gratitude, integrity, and responsibility[5]. - The company aims to enhance its digital capabilities through the "185N" digital reform framework and the "MICROSEA" ecosystem[9]. - The company aims to maintain a strategic focus on internal growth while expanding its national presence[9]. Risk Management - The company emphasizes a prudent and stable risk preference, focusing on optimizing asset allocation and enhancing customer base stability[90]. - The company has established a comprehensive risk management framework, with the board of directors responsible for overall risk management and the senior management implementing it[91]. - Credit risk management aims to control credit risk within a reasonable range, maximizing risk-adjusted comprehensive benefits[92]. - The company continuously adjusts its credit policies based on macroeconomic and industry trends, ensuring alignment with regulatory standards[93]. - Unified credit management is implemented for corporate clients, with strict adherence to regulatory requirements and comprehensive risk assessment processes[94]. - The company enhances credit risk management for small and micro enterprises, focusing on standardizing credit processes and monitoring overdue loans[95]. Digital Innovation and Technology - The company has launched the "Micro Sea" digital brand as part of its digital transformation strategy, enhancing its fintech capabilities[19]. - The company has applied for over 100 financial technology patents, with 36 granted, and has published over 10 papers and white papers, participating in the formulation of more than 50 domestic and international standards[113]. - The company has established a comprehensive information technology risk management system, adhering to ISO standards and regulatory requirements, ensuring stable system operations without any significant incidents during the reporting period[113]. - The online banking transaction substitution rate reached 99.75%, positioning the company at an industry-leading level[143]. Customer and Market Engagement - The company reported a personal customer base (including debit and credit card customers) of 8.7336 million, an increase of 4.51% year-over-year[117]. - The company launched online products under the "Cloud Series" (Cloud Mortgage, Cloud Home Loan, Cloud Credit Loan), enhancing customer acquisition and operational efficiency in personal lending[117]. - The number of private banking clients reached 10,933, a growth of 5.13% from the beginning of the year[119]. - The company served over 1,200 digital supply chain projects, with financing exceeding CNY 100 billion, and over 75% of clients being small and micro enterprises[123]. Governance and Compliance - The board of directors consists of 13 members, including 3 executive directors, 5 non-executive directors, and 5 independent non-executive directors, ensuring compliance with regulations that require independent non-executive directors to be at least one-third of the total board members[163]. - The company has conducted self-assessments of its governance mechanisms to enhance compliance and effectiveness, guided by regulatory frameworks[162]. - The company has established a robust internal control system and risk management framework, with annual reviews to ensure compliance with legal and regulatory requirements[166]. - The company has implemented a board diversity policy, with 2 female members out of 13 directors, and 11 members holding postgraduate degrees, including 4 with doctoral degrees, enhancing the board's expertise and perspectives[165]. Community and Regional Development - The company aims to support regional development while actively preventing regional risks through optimized credit allocation[78]. - The company has signed strategic cooperation agreements with provincial state-owned enterprises, enhancing its support for major projects in Zhejiang province[122]. - The company has installed distributed photovoltaic systems for nearly 4,000 farmers in 26 mountainous counties, helping them increase income by several million CNY[153].

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： 投资者可于 2023 年 3 月 24 日（星期五）17:00 前将需要了解的情况和 有关问题预先通过电子邮件的形式发送至公司投资者关系邮箱：ir@czbank.com。 公司将会于 2022 年度业绩说明会（以下简称"业绩说明会"）上在信息披露允许 的范围内就投资者普遍关注的问题进行回答。 浙商银行股份有限公司（以下简称"本公司"）将于 2023 年 3 月 28日在上 海证券交易所网站（www.sse.com.cn）披露公司 2022 年度报告。为便于广大投 资者更全面深入地了解公司 2022 年年度业绩和经营情况，本公司拟于 2023 年 3 月 28 日（星期二）15:00-16:15 召开业绩说明会，就投资者普遍关心的问题进行 交流。 一、业绩说明会类型 业绩说明会通过网络视频直播的方式召开，本公司将针对 2022 年年度业绩 和经营情况与投资者进行交流，并在信息披露允许的范围内就投资者普遍关注 的问题进行回答。 1 证券代码：601916 证券简称：浙 ...

Financial Performance - Net profit attributable to shareholders for Q3 2022 was RMB 4,563 million, a 22.43% increase compared to the same period last year[4] - The net profit attributable to shareholders was RMB 11.54 billion, reflecting a year-on-year increase of RMB 959 million or 9.07%[14] - The net profit attributable to shareholders for the first three quarters of 2022 was RMB 11,537 million, compared to RMB 10,578 million in the same period of 2021, indicating a growth of approximately 9.1%[31] - The total comprehensive income for the first three quarters of 2022 was RMB 11,535 million, compared to RMB 11,151 million in the same period of 2021, showing an increase of approximately 3.4%[33] - The bank's basic earnings per share for the first three quarters of 2022 was RMB 0.50, up from RMB 0.46 in the same period of 2021[33] Assets and Liabilities - Total assets reached RMB 2,543,151 million, an increase of 11.21% compared to the end of 2021[3] - Total liabilities increased to RMB 2,380,346 million, up by 12.29% from the previous year[3] - As of the reporting period, the total assets of the group reached RMB 2,543.15 billion, an increase of RMB 256.43 billion or 11.21% compared to the end of the previous year[14] - The total liabilities increased to RMB 2,380.35 billion, up by RMB 260.51 billion or 12.29% from the previous year[14] - As of September 30, 2022, total liabilities amounted to RMB 2,380,346 million, an increase from RMB 2,119,840 million as of December 31, 2021, representing a growth of approximately 12.3%[25] Loans and Advances - Total loans and advances amounted to RMB 1,506,280 million, reflecting an 11.80% growth year-on-year[3] - The total loans and advances amounted to RMB 1,506.28 billion, increasing by RMB 159.04 billion or 11.80% year-on-year[14] Deposits - Customer deposits rose to RMB 1,721,516 million, marking a significant increase of 21.60%[3] - The bank's deposits increased significantly, with net increase in deposits amounting to RMB 301,143 million for the first nine months of 2022, compared to RMB 24,323 million in the same period of 2021[36] Income and Expenses - Non-interest income accounted for 23.64% of total operating income, an increase of 1.66 percentage points year-on-year[4] - The net interest income was RMB 35.44 billion, an increase of RMB 4.46 billion or 14.39% year-on-year[14] - Net interest income for the period from January 1 to September 30, 2022, was RMB 35,437 million, up from RMB 30,978 million in the same period of 2021, reflecting an increase of about 14.9%[28] - Total operating income for the first nine months of 2022 reached RMB 47,717 million, an increase from RMB 40,416 million in the same period of 2021, marking a rise of about 18.5%[30] - The bank's operating expenses for the first three quarters of 2022 were RMB 33,602 million, compared to RMB 27,834 million in the same period of 2021, reflecting an increase of approximately 20.7%[30] Capital Adequacy - The bank's core tier 1 capital adequacy ratio stood at 8.05%, slightly up from 8.00% at the end of 2021[6] - The total capital adequacy ratio was 11.67%, down from 12.89% at the end of 2021[6] - The capital adequacy ratio was 11.67%, down by 1.22 percentage points from the end of the previous year[15] Non-Performing Loans - The non-performing loan balance was RMB 22.14 billion, an increase of RMB 1.47 billion or 7.12% compared to the end of the previous year[15] - The non-performing loan ratio stood at 1.47%, a decrease of 0.06 percentage points from the previous year[15] Cash Flow - The cash flow from operating activities was RMB 123.09 billion, a significant recovery from a negative cash flow of RMB 30.30 billion in the same period last year[17] - The bank's net cash inflow from operating activities for the first nine months of 2022 was RMB 445,782 million, compared to RMB 201,826 million in the same period of 2021, indicating a substantial increase[36] - The net cash flow from operating activities for the period from January 1 to September 30, 2022, was RMB 123,088 million, compared to a net outflow of RMB 30,303 million in the same period of 2021[40] - The total cash outflow from operating activities was RMB 322,694 million, compared to RMB 232,129 million in 2021[40] Investment Activities - The total cash inflow from investment activities was RMB 947,855 million, down from RMB 1,620,688 million in the previous year[43] - The net cash flow used in investment activities was RMB (72,127) million, compared to RMB (32,791) million in 2021[43] - The cash inflow from the recovery of investments was RMB 928,460 million, significantly lower than RMB 1,605,759 million in the previous year[43] Financing Activities - Cash inflow from financing activities was RMB 232,388 million, a decrease from RMB 335,412 million in the same period of 2021[46] - The net cash flow used in financing activities was RMB (64,203) million, contrasting with a net inflow of RMB 13,453 million in the previous year[46] Cash and Cash Equivalents - The cash and cash equivalents at the end of the period were RMB 79,414 million, compared to RMB 62,155 million at the end of September 2021[46] - The impact of exchange rate changes on cash and cash equivalents was RMB 1,831 million, compared to a negative impact of RMB (325) million in the previous year[46]