Financial Performance - Operating income for Q1 2024 was RMB 9,760,688 thousand, an increase of 3.50% compared to RMB 9,430,545 thousand in Q1 2023[4] - Net profit attributable to shareholders for Q1 2024 reached RMB 5,133,233 thousand, representing a year-on-year increase of 21.11% from RMB 4,238,616 thousand in Q1 2023[4] - Basic earnings per share for Q1 2024 was RMB 0.82, up 22.39% from RMB 0.67 in Q1 2023[5] - The total comprehensive income for Q1 2024 was RMB 5,737,133 thousand, compared to RMB 4,640,977 thousand in Q1 2023, marking an increase of 23.6%[36] - The bank reported a significant increase in investment income, which rose to RMB 1,913,624 thousand from RMB 1,492,847 thousand, reflecting a growth of 28.2% year-over-year[35] Cash Flow - Net cash flow from operating activities was negative RMB 11,427,621 thousand, a decrease of 270.08% compared to RMB 6,719,130 thousand in Q1 2023[5] - The cash flow from operating activities showed a net outflow of RMB 11,427,621 thousand, contrasting with a net inflow of RMB 6,719,130 thousand in the same period last year[40] - Net cash flow from financing activities for Q1 2024 was RMB 8,044,202, a decrease of 70% compared to RMB 26,845,589 in Q1 2023[42] - Cash and cash equivalents at the end of Q1 2024 stood at RMB 36,775,715, down 38% from RMB 58,947,216 at the end of Q1 2023[42] - The net cash flow from investment activities was negative at RMB (17,293,419), compared to RMB (15,178,414) in Q1 2023[44] Assets and Liabilities - Total assets as of March 31, 2024, were RMB 1,917,305,256 thousand, an increase of 4.13% from RMB 1,841,330,802 thousand at the end of 2023[5] - Total liabilities as of March 31, 2024, amounted to RMB 1,800,561,900 thousand, up from RMB 1,730,037,592 thousand at the end of 2023[13] - The total equity attributable to shareholders was RMB 116,743,356 thousand, compared to RMB 111,293,210 thousand at the end of 2023, reflecting a growth of approximately 4.3%[30] - The bank's total deposits increased to RMB 1,127,890,315 thousand from RMB 1,058,307,919 thousand, reflecting a growth of approximately 6.6%[29] - The total loan amount was RMB 870.78 billion, up 7.89% from the end of 2023, with a loan-to-asset ratio of 45.42%[21] Ratios and Returns - The weighted average return on equity for Q1 2024 was 4.99%, an increase of 0.27 percentage points from 4.72% in Q1 2023[5] - The capital adequacy ratio as of March 31, 2024, was 12.70%, compared to 12.20% at the end of 2023[15] - The liquidity coverage ratio improved to 175.18% as of March 31, 2024, from 153.03% at the end of 2023[17] - The cost-to-income ratio for the first quarter of 2024 was 24.10%, a slight improvement from 24.87% in the same period of 2023[13] - The average return on total assets for the first quarter of 2024 was 0.27%, compared to 0.26% in the first quarter of 2023[13] Shareholder Information - The company did not declare any preferred stock dividends during the reporting period, which may impact earnings calculations[5] - The number of ordinary shares outstanding remained stable at 5,930,286 thousand shares[5] - The company’s major shareholders include Hangzhou Finance Bureau with 11.86% and Hongshi Holdings Group with 11.81% of shares[9] Loan and Deposit Details - The balance of inclusive small and micro loans was RMB 135.98 billion, with a year-on-year increase of RMB 2.52 billion[24] - The balance of green loans reached RMB 173.10 billion, an increase of RMB 4.93 billion or 7.24% compared to the end of 2023[23] - The retail customer total assets (AUM) reached RMB 549.12 billion, an increase of RMB 31.68 billion or 6.12% year-on-year[25] - The bank's loans and advances increased to RMB 835,517,892 thousand from RMB 773,942,292 thousand, marking a rise of about 7.9%[29] - The bank's non-performing loan ratio remained stable at 0.76% as of March 31, 2024, unchanged from the end of 2023[22]

（1）关联方基本情况 杭州市财开投资集团有限公司（以下简称"财开集团"）成 立于 1993 年 2 月 1 日，注册资本人民币 50 亿元，为杭州市金 融投资集团有限公司的全资子公司，注册地址为浙江省杭州市 上城区庆春东路 2-6 号 3501 室-1，主要从事大宗原材料的批发 贸易。 截至 2023 年 9 月末，财开集团本级总资产 269.92 亿元， 总负债 61.46 亿元，净资产 208.46 亿元；2023 年 1-9 月实现营 业总收入 61.84 亿元，净利润 6.71 亿元。 （2）与公司的关联关系 财开集团是公司持股 5%以上股东，向公司派驻董事楼未女 士，属于国家金融监督管理总局（以下简称"金融监管总局"） 口径、中国证券监督管理委员会（以下简称"证监"）口径的公 司关联方。 二、红狮控股集团有限公司 杭州银行股份有限公司部分关联方情况介绍 一、杭州市财开投资集团有限公司 （1）关联方基本情况 红狮控股集团有限公司（以下简称"红狮集团"）成立于 2004 年 3 月 25 日，注册资本人民币 8 亿元，注册地址浙江省金华市 兰溪市东郊上郭。经营范围：对企业投资、参股；建筑材料的购 销；企 ...

杭州银行股份有限公司 2023 年度董事会审计委员会履职情况报告 2023 年，杭州银行股份有限公司（以下简称"公司"）董事 会审计委员会严格按照《上市公司治理准则》《上海证券交易所 股票上市规则》《上海证券交易所上市公司自律监管指引第 1 号 ——规范运作》等监管要求和《公司章程》《董事会审计委员会 工作细则》相关规定，对照年度工作计划，稳步推进职责范围内 各项工作，现将 2023 年董事会审计委员会履职情况报告如下： 一、审计委员会组成情况 截至 2023 年末，公司董事会审计委员会1共有 3 名委员，分 别为独立董事李常青先生、独立董事唐荣汉先生和股东董事沈明 先生。董事会审计委员会中独立董事占比超过 1/2，且由独立董 事李常青先生（持有厦门大学会计学博士学位，现任厦门大学管 理学院教授、博士生导师、厦门大学高级工商管理教育中心主任） 担任主任委员，全部委员具备履行审计委员会工作职责的专业性 和相关经验，符合监管政策对商业银行董事会审计委员会成员结 构、任职资格等方面的相关要求。 二、审计委员会履职情况 （一）例行会议召开情况 2023 年，董事会审计委员会共召开 5 次会议，累计审议 12 项议案， ...

杭州银行股份有限公司 2023 年内部控制审计报告 目 录 1、意见页 委托单位：杭州银行股份有限公司 审计单位：普华永道中天会计师事务所（特殊普通合伙） 联系电话: 021-23238888 普华永道 内部控制审计报告 普华永道中天特审字(2024)第 1759 号 (第一页,共二页) 杭州银行股份有限公司全体股东: 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求,我们审 计了杭州银行股份有限公司(以下简称"杭州银行")2023年12月31日的财务 报告内部控制的有效性。 普华永道 普华永道中天特审字(2024)第 1759 号 (第二页，共二页) 四、财务报告内部控制审计意见 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价 指引》的规定,建立健全和有效实施内部控制,并评价其有效性是杭州银行董事 会的责任。 r i 注册会计师的责任 我们的责任是在实施审计工作的基础上,对财务报告内部控制的有效性发表审计 意见,并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、 内部控制的固有局限性 内部控制具有固有局限性,存在不能防止和发现错报的可能性。此外,由于情况 的变 ...

证券代码：600926 证券简称：杭州银行 公告编号：2024-011 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 第八届董事会第七次会议决议公告 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 第七次会议于 2024 年 4 月 9 日以电子邮件及书面方式发出会议 通知，并于 2024 年 4 月 19 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 12 名，实际出席董事 12 名，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 2023 年度董事会工 作报告》 表决结果：同意 12 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关于会计师事务所 2023 年度履职情况的评估报告 根据财政部、国资委及证监会颁布的《国有企业、上市公司选 聘会计师事务所管理办法》（财会〔2023〕4 号）的要求，杭州银 行股份有限公司（以下简称"公司"）对 2023 年度外部审计机构 普华永道中天会计师事务所（特殊普通合伙）（以下简称"普华永 道中天"）的履职情况进行了评估，详情如下： 一、会计师事务所基本情况 普华永道中天前身为 1993 年 3 月 28 日成立的普华大华会计师 事务所，2000 年 6 月经批准更名为普华永道中天会计师事务所有限 公司；2012 年 12 月 24 日财政部财会函〔2012〕52 号批准，于 2013 年 1 月 18 日转制为普华永道中天会计师事务所（特殊普通合伙）。 注册地址为中国（上海）自由贸易试验区陆家嘴环路 1318 号星展 银行大厦 507 单元 01 室。 截至 2023 年 12 月 31 日，普华永道中天有合伙人数 291 人， 注册会计师人数 1,710 余人，其中自 2013 年起签署过证券服务业务 审计报告的注册会计师人数 383 人。 二、具体评估情况 （一）基本资质 普 ...

中国国际金融股份有限公司 关于杭州银行股份有限公司 2023 年度持续督导年度报告书 三、上市公司是否存在《证券发行上市保荐业务管理办法》及上海 证券交易所相关规则规定应向中国证监会和上海证券交易所报告的 事项 2023 年度，公司不存在《证券发行上市保荐业务管理办法》及上海证券交 易所相关规则规定应向中国证监会和上海证券交易所报告的事项。 杭州银行股份有限公司（以下简称"公司"）公开发行 A 股可转换公司债券 事宜已于 2021 年 3 月完成，公司聘请中信建投证券股份有限公司（以下简称"中 信建投证券"）担任公司该次公开发行 A 股可转换公司债券项目的保荐机构，持 续督导期间至 2022 年 12 月 31 日止。鉴于公司该次公开发行 A 股可转换公司债 券尚未完成转股，中信建投证券在持续督导期满后仍继续履行持续督导职责。 公司于 2023 年 7 月 18 日召开 2023 年第二次临时股东大会，审议通过了关 于向特定对象发行 A 股股票（以下简称"本次发行"）的相关议案。由于发行需 要，公司聘请中国国际金融股份有限公司（以下简称"中金公司"）担任本次发 行的保荐机构，并签订了相关保荐协议。根据中国证券 ...

Financial Performance - The operating income for the year reached RMB 35.016 billion, representing a growth of 6.33%, with non-interest income accounting for 33.08% of total income, an increase of 2.49 percentage points year-on-year [14]. - The net profit attributable to ordinary shareholders was RMB 14.383 billion, a growth of 23.15%, marking the third consecutive year of over 20% growth [14]. - The basic earnings per share increased to RMB 2.31, reflecting a growth of 26.23% [14]. - The total operating income for 2023 was RMB 35,015,541 thousand, representing a 6.33% increase from RMB 32,931,506 thousand in 2022 [47]. - Net profit attributable to shareholders for 2023 reached RMB 14,383,367 thousand, a 23.15% increase compared to RMB 11,679,330 thousand in 2022 [47]. - The total assets as of December 31, 2023, amounted to RMB 1,841,330,802 thousand, reflecting a 13.91% growth from RMB 1,616,538,051 thousand in 2022 [47]. - The total deposits reached RMB 1,045,277,254 thousand, marking a 12.63% increase from RMB 928,084,206 thousand in 2022 [47]. - The net cash flow from operating activities for 2023 was RMB 72,250,783 thousand, a decrease of 20.59% from RMB 90,988,788 thousand in 2022 [47]. Loan Growth and Composition - The total loan amount increased by 14.94%, with specific growth in manufacturing loans (18.90%), green loans (26.22%), and financing for innovative enterprises (28.43%) [14]. - The balance of inclusive small micro loans reached RMB 133.458 billion, growing by 18.89%, with inclusive loans making up 16.54% of total loans, an increase of 0.55 percentage points [17]. - The total amount of loans and advances was RMB 807.10 billion, growing by 14.94% year-on-year, with a proportion of 43.83% of total assets, up by 0.39 percentage points [81]. - Corporate loans amounted to CNY 527.01 billion, growing by 19.14%, while personal loans reached CNY 280.08 billion, increasing by 7.78% [156]. - The company aims to enhance credit support for manufacturing, green finance, and small and micro enterprises, while optimizing the structure of credit asset allocation [157]. Risk Management - The risk management system has matured and is among the top in asset quality and risk compensation capabilities among listed banks, emphasizing the importance of long-term risk management [20]. - The company emphasizes compliance and value creation in its risk management philosophy, aiming for a balanced approach to growth and risk [20]. - The company has implemented measures to optimize customer and asset structures, enhancing risk management in key sectors [92]. - The company has focused on digital risk control capabilities, continuously developing and optimizing risk models for new products [92]. - The company is committed to building a professional investment research capability to accurately characterize product risk-return features and enrich investment strategies [200]. Strategic Initiatives - The company aims to enhance customer acquisition as a primary development initiative, focusing on building a robust customer base to navigate economic challenges [19]. - The strategic plan for 2024 marks a significant year in the "2255" strategy, focusing on customer-centric approaches and refined management practices [20]. - The company has implemented a "2255" strategy, achieving significant results in enhancing its comprehensive strength [36]. - The company plans to implement a digital management initiative to improve data governance and operational efficiency, enabling agile responses to market changes [19]. - The company is focused on achieving financial and customer goals through five key business development strategies and five capability enhancement strategies during the planning period [34]. Digital Transformation and Technology - The bank launched the first "cloud-native, distributed, full-stack domestic" core business system in the commercial banking sector, aimed at enhancing operational efficiency and customer service [18]. - The company is committed to digital transformation, focusing on integrating financial technology and digital operations to enhance customer experience [41]. - The company plans to enhance its digital transformation by focusing on ten major projects, strengthening artificial intelligence applications, and optimizing its technology organizational structure in 2024 [174]. - The "North Star" retail customer operation platform has been deployed, serving over 1.6 million customers and winning the "2023 Excellent Case Award for Digital Financial and Technological Innovation Applications" [172]. - The company has successfully launched a digital investment research platform, completing the integration of lake and warehouse systems to enhance operational efficiency in investment research [200]. Customer and Market Expansion - The company is actively expanding its market presence in key cities, including Beijing, Shanghai, and Shenzhen, while deepening its roots in Zhejiang province [32]. - The company serves 12,600 technology innovation enterprises with a financing balance exceeding 60 billion CNY, and has cumulatively provided over 175 billion CNY in financing [167]. - The company has established a standardized marketing system for small micro loans, with 73% of new loans to key customer groups [162]. - The number of effective customers increased to 30,300, a growth of 24.91% compared to the previous year [175]. - The retail financial line's total assets under management (AUM) reached CNY 517.44 billion, an increase of CNY 36.75 billion, with a growth rate of 7.65% [185]. Awards and Recognition - The company has received multiple awards, including ranking 132nd in the "2023 Global Bank 1000" list by The Banker magazine [43]. - The company has completed the construction of 70 technology innovation standard teams, enhancing its core competitive advantages in the field of technology finance [168].

证券代码：600926 证券简称：杭州银行 公告编号：2024-014 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 2023 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：每股派发现金股利人民币 5.20 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，公司总股本发生变动的， 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。 二、 本年度现金分红比例低于30%的情况说明 2023年度，公司拟分配的普通股现金股利总额为人民币 3,083,748,073.12元，占合并报表中归属于公司普通股股东净利润的 22.52%，主要考虑因素如下： 一是增强抵御风险能力。外部经营环境复杂严峻，资本监管要 求趋严，为应对各种风险挑战，商业银行应加强内生资本积累，保 障内源性资 ...

杭州银行股份有限公司（以下简称"公司"）第八届监事会第六 次会议于 2024 年 4 月 8 日以电子邮件及书面形式发出会议通知，并 于 2024 年 4 月 18 日在杭州市庆春路 46 号杭州银行大厦 5 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2023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2023年度董事、监事、 高级管理人员履职情况及评价结果报告》 证券代码：600926 证券简称：杭州银行 公告编号：2024-012 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 第八届监事会第六次会议决议公告 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 ...