| 证券代码：601916 证券简称：浙商银行 公告编号：2025-033 | | | | | | --- | --- | --- | --- | --- | | 浙商银行股份有限公司 | | | | | | 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： | | | | | | ? 本次会议是否有否决议案：无 | | | | | | 一、 会议召开和出席情况 | | | | | | (一) 股东大会召开的时间：2025 6 13 年 月 日 | | | | | | (二) 股东大会召开的地点：中国浙江省杭州市上城区民心路 1 号浙商银行 | | | | | | 总行 601 会议室 | | | | | | (三) 出席会议的普通股股东及其持有股份情况： | | | | | | 其中：A 股股东人数 2,783 | | | | | | 境外上市外资股股东人数（H 2 股） | | | | | | 境外上市外资股股东持有股份总数（H 股） 3,022,445,697 ...

法律意见书 浙江天册律师事务所 关于浙商银行股份有限公司 2024 年度股东大会 法律意见书 本所律师根据相关法律法规的要求，按照律师行业公认的业务标准、道德规 范和勤勉尽责的精神，出席了本次股东大会，对本次股东大会所涉及的有关事项 和相关文件进行了必要的核查和验证，现出具法律意见如下： 一、本次股东大会的召集和召开 （一）本次股东大会的召集 根据公司董事会在相关媒体和网站上刊登的日期为 2025 年 5 月 12 日的《浙 商银行股份有限公司第七届董事会 2025 年第四次临时会议决议公告》，本次股东 大会由公司董事会召集，公司董事会已就此做出决议，符合相关法律、法规及《公 司章程》的规定。 1 编号：TCYJS2025H0981 致：浙商银行股份有限公司 浙江天册律师事务所（下称"本所"）接受浙商银行股份有限公司（下称"公 司"）的委托，指派本所刘斌、俞晓瑜律师（下称"本所律师"）出席公司 2024 年度股东大会（下称"本次股东大会"）。本所律师依据《中华人民共和国公司法》 《中华人民共和国证券法》《上市公司股东会规则》以及《浙商银行股份有限公 司章程》（下称"《公司章程》"）等相关规定，对公司本次股东大 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-033 浙商银行股份有限公司 2024年度股东大会决议公告 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。 重要内容提示： 本次会议是否有否决议案：无 一、 会议召开和出席情况 (一) 股东大会召开的时间：2025 年 6 月 13 日 (二) 股东大会召开的地点：中国浙江省杭州市上城区民心路 1 号浙商银行 总行 601 会议室 (三) 出席会议的普通股股东及其持有股份情况： | 1、出席会议的股东和代理人人数（人） | 2,785 | | --- | --- | | 其中：A 股股东人数 | 2,783 | | 境外上市外资股股东人数（H 股） | 2 | | 2、出席会议的股东所持有表决权的股份总数（股） | 13,816,970,644 | | 其中：A 股股东持有股份总数 | 10,794,524,947 | | 境外上市外资股股东持有股份总数（H 股） | 3,022,445,697 | | 3、出席会议的股东所持有表决权股份数占公司有表决权股 | 5 ...

Core Viewpoint - The recent announcement by Nanjing Bank regarding the early redemption of its convertible bonds indicates a trend in the banking sector where multiple banks are triggering conditional redemption clauses due to rising stock prices [1][2][5]. Group 1: Convertible Bonds Redemption - Nanjing Bank's "Nan Yin Convertible Bonds" have triggered the conditional redemption clause, leading to the decision for early redemption [1][2]. - The stock price of Nanjing Bank has been above 130% of the conversion price for 15 out of 19 trading days, which meets the criteria for redemption [2]. - Other banks, including Suzhou Bank and Hangzhou Bank, have also seen their convertible bonds trigger similar redemption clauses this year [4]. Group 2: Market Trends and Predictions - The banking sector has experienced a significant upward trend, contributing to the triggering of early redemptions for several convertible bonds [5][6]. - As of June 10, various bank stocks, including Jiangsu Bank and Nanjing Bank, reached new highs, indicating strong market performance [6][7]. - Analysts predict that the market may face a supply-demand imbalance for convertible bonds due to the lack of new issuances, potentially leading to price increases for existing bonds [4]. Group 3: Future Outlook for Banking Stocks - Institutions remain optimistic about the absolute value of banking stocks, especially during the traditional dividend distribution period in June and July [8]. - Historical data shows that the banking sector has had positive absolute and relative returns during this period in many years [8]. - The implementation of expansionary policies aimed at stabilizing the economy is expected to benefit the banking sector in the medium to long term [8].

Core Viewpoint - A bribery case involving the general manager of the business development department at Zhejiang Commercial Bank's Shanghai branch has been revealed, highlighting systemic issues within the bank's operations and compliance [1][2][8]. Summary by Sections Case Details - The general manager, Wang, accepted bribes totaling approximately 3.27 million yuan over four instances [1][7]. - Wang was appointed as the general manager on February 29, 2016, and signed a fixed-term labor contract with the bank on February 17, 2020 [3]. Bribery Mechanism - The marketing department, under Wang's leadership, was responsible for supply chain finance and credit analysis [4]. - From 2020, conspirators, including Wang, facilitated financing agreements between Zhejiang Commercial Bank and a company controlled by another defendant, using a series of contracts to channel funds [4][5]. - Wang altered the bank's financing service to favor a specific company, ensuring expedited loan disbursement [4][5]. Legal Consequences - The defendants, Ma and Zheng, were sentenced to two and a half years in prison, with a two and a half year probation, and fined 50,000 yuan each [7]. - Wang, as the recipient of the bribes, has also been sentenced [7]. Regulatory Issues - Zhejiang Commercial Bank's Shanghai branch has faced multiple regulatory penalties, including a fine of 16.8 million yuan for various compliance failures [8]. - Specific violations included improper classification of small enterprises, non-compliance in credit operations, and inadequate management of employee behavior [8][9]. - The bank's systemic risk management failures have been highlighted, affecting its adherence to national financial policies [9]. Historical Penalties - In December 2023, the bank was fined over 17.34 million yuan for improper deposit and loan practices, leading to the lifetime ban of its then-president from the banking industry [10]. - In September 2020, the bank faced fines exceeding 100 million yuan for 31 regulatory violations, including misleading asset reporting [10].

Group 1 - The core viewpoint of the article highlights the growth and organizational structure of Zhejiang Zheshang Bank, emphasizing its financial performance and shareholder composition as of the end of 2024 [1][2][3]. Group 2 - As of the end of 2024, Zhejiang Zheshang Bank's total assets reached 3.33 trillion yuan, an increase of 5.78% compared to the end of 2023 [1]. - The bank achieved an operating income of 67.65 billion yuan in 2024, reflecting a year-on-year growth of 6.19% [1]. - The net profit attributable to shareholders for the year was 15.186 billion yuan, showing a slight increase of 0.92% year-on-year [1]. - The largest shareholder, Zhejiang Financial Holding Co., Ltd., holds a 12.57% stake, and the bank does not have a controlling shareholder [1]. - The top ten shareholders include entities such as Hong Kong Central Clearing Limited and Hengdian Group, with varying ownership percentages [1]. Group 3 - The bank's headquarters consists of 32 primary departments and a centralized procurement management center, with a reduction in the number of direct institutions compared to 2023 [2]. - Zhejiang Zheshang Bank has established branches in 22 provinces across China, excluding several regions, and has a presence in Hong Kong [2]. - The bank operates two subsidiaries: Zheshang Financial Leasing Company and Zheshang Wealth Management [2]. Group 4 - As of the end of 2024, the total number of employees at Zhejiang Zheshang Bank is 25,226 [3].

近日，浙商银行济南分行积极响应山东省银行业协会关于"2025年银行业'普及金融知识万里行'活动号召"，以"守护重点人群、筑牢金融防线"为主题，在山 东省潍坊市临朐县九山镇八一希望小学开展"财商小课堂"金融教育进校园活动。此次活动作为该行"牵手小小金融志愿者，助力大山深处金融教育宣传"项目 的延续，进一步深化了金融知识普及的精准性与实效性，为提升青少年金融素养、培育诚信文化注入新动能。 聚焦重点群体，精准宣教护航成长 针对山区青少年金融知识薄弱、风险防范意识不足的特点，浙商银行济南分行精心设计课程内容，通过"货币历史演变+现代支付工具+防伪技巧+财商管 理"四位一体的教学模式，帮助学生建立基础金融认知。课堂上，宣讲员以"物物交换""贝壳货币"为切入点，生动讲解人民币发展史；通过"一转二摸三透 光"防伪口诀，教授学生识别假币；结合"储蓄罐、消费罐、投资罐、分享罐"四类管理工具，引导学生树立理性消费观和财富规划意识。此外，以真实案 例"小华识破假币骗局"为警示，强化学生对诈骗手段的辨识能力，切实筑牢青少年金融安全防线。 大 ** 博 M юл IL 金融知识万里 T Tatal Co = 22 the state ...

Core Viewpoint - The article highlights the proactive role of Zheshang Bank Shenyang Branch in supporting the revitalization of Northeast China, particularly in Liaoning province, by providing tailored financial services to boost the local economy and key industries [1][2]. Group 1: Financial Services and Support - Zheshang Bank Shenyang Branch is committed to serving the real economy, focusing on traditional industries such as steel, chemicals, and equipment manufacturing by establishing a comprehensive and refined financial service network [1]. - The bank has developed customized financial solutions for specialized and innovative enterprises, covering their entire lifecycle from startup to maturity, particularly increasing credit support for technology innovation during the critical year of Liaoning's revitalization [1]. - The branch has become the first bank in Liaoning to obtain special long-term government bond funding supervision qualifications, providing significant loan support for new projects, including the expansion of experimental and assembly workshops [1]. Group 2: Future Strategies - The bank plans to continuously optimize its financial service offerings by enhancing communication with enterprises and providing differentiated financial services and personalized products [2]. - It aims to focus on key industries for Liaoning's revitalization, innovating financial service models and leveraging financial technology to simplify service processes and expand online service scenarios [2]. - The bank's leadership emphasizes a commitment to improving service quality and efficiency to contribute to the high-quality development of Liaoning's economy and society [2].

"清廉浙江"2月6日发布消息称，浙商银行原党委书记、董事长沈仁康目前正在接受调查。 沈仁康被查早有先兆。 ｜1｜ 早前有媒体报道称，浙商银行原一把手被有关部门带走调查。2月1日左右，浙商银行内部小范围通报了沈仁康被查的消息。 此外，去年1月11日，浙商银行公告称，免去沈仁康浙商银行党委书记、委员职务，不再担任浙商银行董事长、董事职务。 当时沈仁康刚满59岁，距离60岁退休年龄只有一年时间，突遭换任，颇显得不同寻常。 除了沈仁康，浙商银行这些年还有多位高管被查，比如上海分行行长顾清良、深圳分行行长邹建旭、前任董秘张淑卿、资本市场部副总经理邹建旭等。 针对沈仁康被查一事，浙商银行2月6日回应称："我行原董事长沈仁康已卸任一年多，其接受审查调查对我行经营没有影响。" 公开信息显示，沈仁康出生于1963年1月，2014年出任浙商银行党委委员，书记前，一直从政，他上任后，浙商银行的资产规模快速扩张。 ｜2｜ 张长弓曾是浙银资本法人代表、董事长兼总经理。浙商银行通过浙银资本，绕开《商业银行法》的"银行资金不能入市"等规定，做了很多投行业务。 2013年，浙商银行总资产仅有4881.17亿，2015年就达到10316.5亿 ...

Core Viewpoint - In 2023, China's banking sector faced pressure from narrowing net interest margins, with Zhejiang Commercial Bank maintaining a net interest margin of 2.01%, which is commendable in the current environment [1][2]. However, the bank's aggressive expansion strategy in previous years has led to significant asset quality concerns, particularly in the real estate sector, which poses risks to its future growth [1][10]. Financial Performance - Zhejiang Commercial Bank reported a revenue of 63.704 billion RMB in 2023, a year-on-year increase of 4.29%, and a net profit attributable to shareholders of 15.048 billion RMB, up 10.5% [2][3]. The bank's net interest income was 47.528 billion RMB, growing by 0.99%, while non-interest income rose by 15.35% to 16.176 billion RMB, indicating a strong contribution from non-interest sources [2][3]. Asset Quality and Risks - As of the end of 2023, the bank's non-performing loan (NPL) amount reached 24.596 billion RMB, an increase of 22.43 billion RMB from the previous year, with an NPL ratio of 1.44% [8][10]. The real estate sector's NPL rate rose to 2.48%, significantly impacting the bank's overall asset quality [10][12]. The bank's exposure to high-risk sectors has raised concerns about its financial stability [13][14]. Capital Adequacy - The core Tier 1 capital adequacy ratio of Zhejiang Commercial Bank was reported at 8.22%, which is above the regulatory minimum of 7.5% but reflects ongoing pressure on capital adequacy [6][7]. The bank's total assets reached 3.143879 trillion RMB, with total liabilities of 2.954302 trillion RMB, indicating substantial growth in its balance sheet [6][7]. Internal Control and Compliance Issues - The bank has faced numerous regulatory penalties, with over 280 million RMB in fines in 2023 alone, highlighting significant compliance issues [16][19]. High levels of customer complaints and frequent changes in senior management have raised questions about the bank's internal control mechanisms [15][19]. The bank's management instability, with 14 executives leaving since January 2021, has further complicated its operational challenges [19][20].