杭州银行股份有限公司 非经营性资金占用及其他关联资金往来情况的专项说明 2024 年度 本专项说明仅供杭州银行为 2024 年度报告披露使用，不适用于其他用途。 非经营性资金占用及其他关联资金往来情况的专项说明 安永华明（2025）专字第70013355_B02号 杭州银行股份有限公司 杭州银行股份有限公司董事会： 我们审计了杭州银行股份有限公司（以下简称"杭州银行"）的2024年度财务报表， 包括2024年12月31日的合并及银行资产负债表、2024年度合并及银行利润表、股东权 益变动表和现金流量表以及相关财务报表附注，并于2025年4月11日出具了编号为安永 华明（2025）审字第70013355_B01号的无保留意见审计报告。 按照《上市公司监管指引第 8 号——上市公司资金往来、对外担保的监管要求》的 要求，杭州银行编制了后附的 2024 年度非经营性资金占用及其他关联资金往来情况汇 总表（以下简称"汇总表"）。 如实编制和对外披露汇总表，并确保其真实性、合法性、完整性是杭州银行的责任。 我们对汇总表所载资料与我们审计杭州银行 2024 年度财务报表时所复核的会计资料和 经审计的财务报表的相关内容进行 ...

（三）中国证监会《上市公司独立董事管理办法》、上海证 券交易所自律监管规则以及公司章程有关独立董事任职资格和 条件的相关规定； （四）中共中央纪委、中共中央组织部《关于规范中管干部 辞去公职或者退（离）休后担任上市公司、基金管理公司独立董 事、独立监事的通知》的规定（如适用）； 杭州银行股份有限公司 独立董事候选人声明与承诺 本人周亚虹，已充分了解并同意由提名人杭州银行股份有限 公司董事会提名为杭州银行股份有限公司第八届董事会独立董 事候选人。本人公开声明，本人具备独立董事任职资格，保证不 存在任何影响本人担任杭州银行股份有限公司独立董事独立性 的关系，具体声明并承诺如下： 一、本人具备上市公司运作的基本知识，熟悉相关法律、行 政法规、部门规章及其他规范性文件，具有 5 年以上法律、经济、 会计、财务、管理或者其他履行独立董事职责所必需的工作经验。 二、本人任职资格符合下列法律、行政法规和部门规章以及 公司规章的要求： （一）《中华人民共和国公司法》关于董事任职资格的规定； （二）《中华人民共和国公务员法》关于公务员兼任职务的 规定（如适用）； （三）在直接或者间接持有上市公司已发行股份 5%以上的 股东或者 ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-017 优先股代码：360027 优先股简称：杭银优 1 可转债代码：110079 可转债简称：杭银转债 《杭州银行股份有限公司关于部分关联方 2025 年度日常关联 交易预计额度的议案》已于 2025 年 4 月 10 日经公司第八届董事会 风险管理与关联交易控制委员会 2025 年第 2 次会议、第八届董事会 独立董事专门会议 2025 年第 1 次会议事前认可。 杭州银行股份有限公司关于部分关联方 2025 年度日常关联交易预计额度的公告 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 完整性承担个别及连带责任。 重要内容提示： 2025年4月11日，杭州银行股份有限公司（以下简称"公司"） 第八届董事会第十六次会议审议通过了《杭州银行股份有限公司关 于部分关联方2025年度日常关联交易预计额度的议案》，关联董事回 避表决。该日常关联交易事项需提交公司股东大会审议。 该日常关联交易事项不影响公司独立性，不会对公司的持续 经营能力、损益及资产状况构成不利影响。 一、日常关联交易基 ...

杭州银行股份有限公司 董事会关于独立董事独立性情况的专项意见 第1页 共1页 根据《上市公司独立董事管理办法》《上海证券交易所上市 公司自律监管指引第 1 号——规范运作》等相关规定，杭州银行 股份有限公司（以下简称"公司"）在任独立董事开展了独立性 自查工作，并向公司董事会提交了独立性自查报告。公司董事会 对独立董事独立性进行了评估，现出具如下专项意见： 经核查公司独立董事的任职情况及其签署的独立性自查文 件，公司独立董事符合中国证监会《上市公司独立董事管理办法》 《上海证券交易所上市公司自律监管指引第 1 号——规范运作》、 国家金融监督管理总局《中资商业银行行政许可事项实施办法》 《银行业金融机构董事（理事）和高级管理人员任职资格管理办 法》等法律法规、监管规定及《公司章程》对独立董事独立性的 相关任职要求，经公司董事会评估，2024 年度各位独立董事均 不存在影响其独立性的情形。 杭州银行股份有限公司董事会 2025 年 4 月 11 日 ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-016 优先股代码：360027 优先股简称：杭银优 1 可转债代码：110079 可转债简称：杭银转债 杭州银行股份有限公司 第八届监事会第十三次会议决议公告 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。 杭州银行股份有限公司（以下简称"公司"）第八届监事会第十 三次会议于 2025 年 3 月 31 日以电子邮件及书面形式发出会议通知， 并于 2025 年 4 月 10 日至 11 日在杭州市上城区解放东路 168 号杭银 大厦 4 楼会议室以现场方式召开，王立雄监事长主持了会议。本次 会议应出席监事 7 名，现场出席监事 7 名。本次会议的召开符合《中 华人民共和国公司法》等法律法规及《杭州银行股份有限公司章程》 的有关规定，会议所形成的决议合法、有效。 会议审议并通过决议如下： 一、审议通过《杭州银行股份有限公司2024年度监事会工作报告》 表决结果：同意7票，反对0票，弃权0票。 本议案需提交公司股东大会审议。 二、审议通过《杭州银行股份有限公司20 ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-015 优先股代码：360027 优先股简称：杭银优 1 可转债代码：110079 可转债简称：杭银转债 杭州银行股份有限公司 第八届董事会第十六次会议决议公告 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。 杭州银行股份有限公司（以下简称"公司"）第八届董事会 第十六次会议于 2025 年 4 月 1 日以电子邮件及书面方式发出会 议通知，并于 2025 年 4 月 11 日以现场结合视频方式召开，宋剑 斌董事长主持会议。本次会议应出席董事 11 名，实际出席董事 10 名，李常青独立董事因公务原因书面委托唐荣汉独立董事参 加会议并代行表决权，公司监事和高级管理层成员列席了本次会 议。本次会议的召开符合《中华人民共和国公司法》等法律法规 及《杭州银行股份有限公司章程》（以下简称"《公司章程》"） 的有关规定，会议所形成的决议合法、有效。 会议审议并通过决议如下： 一、审议通过《杭州银行股份有限公司 2024 年度董事会工 作报告》 表决结果：同意 11 票；反 ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-018 优先股代码：360027 优先股简称：杭银优 1 可转债代码：110079 可转债简称：杭银转债 杭州银行股份有限公司 2024 年度利润分配方案公告 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 每股分配比例：2024 年末期每股派发现金股利人民币 0.28 元 （含税）。 本次利润分配以实施权益分派股权登记日登记的公司普通股 总股本为基数，具体股权登记日期将在权益分派实施公告中明确。 在实施权益分派的股权登记日前，杭州银行股份有限公司（以 下简称"公司"）普通股总股本发生变动的，公司拟维持每股分配 比例不变。 本次利润分配方案尚待公司股东大会审议通过后方可实施。 公司不触及《上海证券交易所股票上市规则》第 9.8.1 条第一 款第（八）项规定的可能被实施其他风险警示的情形。 一、 利润分配方案 经安永华明会计师事务所（特殊普通合伙）审计，公司2024年 度母公司净利润为人民币1,607,757.5万元。经公司董事会决议，公 司2024 ...

Financial Performance - The bank achieved an operating income of RMB 38.381 billion in 2024, representing a year-on-year growth of 9.61%, and a net profit of RMB 16.983 billion, up 18.07% year-on-year[14]. - The company's operating revenue for 2024 reached RMB 38,381,172 thousand, representing a year-on-year increase of 9.61% compared to RMB 35,015,541 thousand in 2023[46]. - Net profit attributable to shareholders reached RMB 16.98 billion, reflecting an 18.07% growth compared to the previous year[59]. - The total assets of the company amounted to RMB 2,112.36 billion, representing a 14.72% increase from the end of the previous year[56]. - The total loans increased by 16.16% to RMB 937,498,709 thousand in 2024, up from RMB 807,095,572 thousand in 2023[46]. - The company's total deposits grew by 21.74% to RMB 1,272,551,288 thousand in 2024, compared to RMB 1,045,277,254 thousand in 2023[46]. - The bank's basic earnings per share reached RMB 2.74, marking an 18.61% increase year-on-year[14]. - The weighted average return on equity rose to 16.00% in 2024, up from 15.57% in 2023, marking an increase of 0.43 percentage points[47]. Asset Quality and Risk Management - The non-performing loan ratio stood at 0.76% at the end of 2024, with a provision coverage ratio of 541.45%[13]. - The liquidity coverage ratio improved to 244.42%, an increase of 91.39 percentage points from the previous year[50]. - The company's net profit margin for non-interest income increased to 36.28% in 2024, up from 33.08% in 2023, an increase of 3.20 percentage points[48]. - The company emphasizes risk management, maintaining a comprehensive risk control strategy to prevent risks from hindering development[40]. - The company has implemented strict risk management measures for group clients, ensuring compliance with regulatory requirements and maintaining risk exposure limits[100]. - The company has focused on enhancing its risk control mechanisms, particularly in large credit exposures and small and micro enterprises, to mitigate potential risks[90]. Customer Growth and Market Strategy - The number of effective customers increased by 14% year-on-year, with the corporate line seeing a growth rate exceeding 20%[16]. - The company is committed to enhancing its market competitiveness through various financial products and regional marketing strategies[16]. - The company is actively expanding its market presence in key cities across the Yangtze River Delta and other first-tier cities[30]. - The company aims to achieve high-quality development by 2025, aligning with the "2255" strategic plan, which emphasizes customer-centric and efficiency-driven approaches[20]. - The company is committed to a strategic shift from product-oriented to customer-oriented services, enhancing its competitive advantage[33]. Digital Transformation and Innovation - The company is focusing on enhancing operational efficiency and customer experience through the "Digital Empowerment" initiative, aiming for a significant transformation in financial services[19]. - The implementation of digital financial initiatives aims to integrate technology into customer operations, enhancing efficiency and accessibility of services[39]. - The company emphasizes the importance of digital transformation and collaboration to respond quickly to market and customer needs[19]. - The company has implemented a digital management strategy, generating approximately 40,000 business opportunities through the "小微蒲公英平台" during the reporting period[179]. - The company launched innovative products such as "园区贷" and "优科贷" to enhance its product matrix in the technology finance sector[171]. Wealth Management and Financial Products - The scale of Hangyin Wealth Management's existing products exceeded 430 billion RMB, growing by 17% compared to the end of the previous year[18]. - Non-interest income increased by 20.21% year-on-year, with non-interest business income accounting for 36.28% of total revenue, up 3.20 percentage points year-on-year[18]. - The retail financial line's total assets under management (AUM) reached CNY 602.23 billion, an increase of CNY 84.79 billion, or 16.39%, compared to the end of the previous year[175]. - The company sold retail wealth management products totaling CNY 437.05 billion during the reporting period, including CNY 118.46 billion from agency sales; the agency business balance at the end of the period was CNY 71.62 billion, an increase of CNY 13.09 billion, or 22.36% year-on-year[180]. Corporate Governance and Structure - The company maintains a stable governance structure with over 60% of shares held by the top ten shareholders, ensuring effective decision-making and support for development[36]. - The company has developed a risk management system that integrates various security measures to enhance online transaction safety[192]. - The company issued 10 billion yuan in perpetual bonds and 10 billion yuan in subordinated bonds to enhance capital structure[198]. Future Outlook and Strategic Goals - The company plans to increase credit investments in key areas such as technology innovation, inclusive small and micro enterprises, green finance, and digital finance in 2025[155]. - The company aims to enhance its microfinance business by increasing coverage of larger enterprises and improving product usage rates by 2025[166]. - The company will continue to optimize its asset allocation and financial investment strategies based on market conditions to improve overall returns[155].

Core Insights - The eight city commercial banks in the Yangtze River Economic Belt have reported positive growth in revenue and net profit for 2024, with Jiangsu Bank leading in both categories, surpassing 80 billion and 30 billion respectively for the first time [2][3][4] Revenue and Profit Growth - The average revenue growth rate for the eight banks is 7.1%, while the average net profit growth rate is 8.7% [3][6] - Jiangsu Bank's revenue and net profit are 80.82 billion and 31.84 billion respectively, maintaining the top position [3][4] - Nanjing Bank has the highest revenue growth rate at 11.3%, while Hangzhou Bank leads in net profit growth at 18.1% [6][4] Asset Growth and Quality - By the end of 2024, seven out of the eight banks recorded double-digit growth in total assets, with Jiangsu Bank achieving the highest growth rate of 16.1% [12][13] - Chongqing Bank has the highest non-performing loan (NPL) ratio at 1.25% and the lowest provision coverage ratio at 245.08% [14][12] Performance Disparities - Despite overall growth, performance varies significantly among the banks, with Ningbo Bank showing a strong increase in net interest income by 17.3% [7][8] - Chongqing Bank's net interest income decreased by 2.6%, but it saw a significant increase in fee and commission income by 115.7% [9][10] Individual Business Performance - Both Ningbo Bank and Chongqing Bank face pressure on personal business profits, with Ningbo Bank's personal business revenue declining by 2% [11][9]

Group 1: Core Insights - The private economy is a crucial "engine" for high-quality development and is a significant asset for Zhejiang [1] - Hangzhou Bank focuses on policy guidance and regional characteristics to innovate financial products and optimize service models for small and micro enterprises [1] Group 2: Financing Solutions - Hangzhou Bank's "Yun E Xin" service provides low-cost financing solutions for suppliers of core enterprises, utilizing reverse non-recourse factoring, allowing suppliers to obtain financing without additional collateral [2] - The service has been successfully implemented in multiple branches and aims to expand its coverage to support the efficient financing of upstream and downstream enterprises [2] Group 3: Intellectual Property Financing - Hangzhou Bank has developed financing solutions based on intellectual property pledges to address the common issue of lack of effective collateral for small and micro enterprises [3] - A specific case involved a company receiving a loan of 3 million yuan backed by its patents, enabling it to increase R&D investment and expand into international markets [3] Group 4: Loan Renewal Services - Hangzhou Bank has optimized its non-repayment loan renewal service to assist small and micro enterprises facing difficulties due to declining collateral values [4] - The bank has implemented flexible policies to ensure the stability of the funding chain for enterprises, leading to a steady increase in the number of loan renewals [4]