Core Viewpoint - Hangzhou Bank reported a steady performance in the first three quarters of 2025, with net profit and revenue increasing by 14.53% and 1.35% year-on-year, respectively, despite industry challenges [1][2] Financial Performance - The bank achieved a net profit of 15.885 billion yuan, reflecting a 14.53% year-on-year growth, indicating strong profitability [1] - Interest income reached 20.093 billion yuan, up 9.96% from the previous year, serving as a key driver for performance [1] - Total operating revenue was 28.880 billion yuan, with a modest growth of 1.35% year-on-year [1] - Net fee and commission income rose to 3.298 billion yuan, a 12.65% increase, supported by diversified middle-income business [1] Asset Quality and Risk Management - As of the end of Q3 2025, the bank's total assets amounted to 229.5424 billion yuan, an 8.67% increase from the previous year [2] - Total loans reached 102.5573 billion yuan, growing by 9.39%, with loans constituting 44.68% of total assets [2] - The non-performing loan (NPL) ratio remained stable at 0.76%, reflecting strong asset quality [2] - The provision coverage ratio stood at 513.64%, indicating robust risk mitigation capabilities [2] Shareholder Returns - The bank proposed a cash dividend of 3.80 yuan per 10 shares for the 2025 interim period, totaling 2.755 billion yuan, a year-on-year increase of over 24% [3] - Cumulative cash dividends since listing will exceed 21.8 billion yuan, demonstrating a commitment to shareholder returns [3] - The bank aims to enhance financial service quality and create long-term value for investors and society [3]

Financial Performance - Total revenue for Q3 2025 was RMB 8,786,802, a decrease of 4.02% compared to the same period last year[6]. - Net profit attributable to shareholders was RMB 4,222,587, an increase of 9.01% year-on-year[6]. - Basic earnings per share for the quarter was RMB 0.58, down 10.77% from the previous year[6]. - For the first three quarters of 2025, the company achieved operating income of RMB 28.88 billion, a year-on-year increase of 1.35%, with net interest income growing by 9.96% to RMB 20.09 billion[32]. - The net profit attributable to shareholders reached RMB 15.88 billion, reflecting a year-on-year growth of 14.53%[32]. - Total operating income for the first nine months of 2025 reached RMB 28,880,010 thousand, a slight increase of 1.36% compared to RMB 28,494,311 thousand in the same period of 2024[53]. - The net profit attributable to shareholders of the parent company for the first nine months of 2025 was RMB 15,884,883 thousand, representing a year-on-year increase of 14.59% from RMB 13,869,912 thousand[53]. - The comprehensive income total for the first nine months of 2025 was RMB 12,939,706 thousand, compared to RMB 14,767,261 thousand in the previous year, indicating a decrease of 12.36%[56]. Assets and Liabilities - Total assets at the end of the reporting period reached RMB 2,295,423,508, an increase of 8.67% compared to the end of the previous year[6]. - Total assets as of September 30, 2025, amounted to RMB 2,282,036,300 thousand, compared to RMB 2,102,785,869 thousand at the end of 2024, reflecting a growth of 8.55%[51]. - Total liabilities amounted to RMB 2,132,473,320 thousand as of September 30, 2025, compared to RMB 1,976,307,861 thousand at the end of 2024[19]. - The total liabilities as of September 30, 2025, were RMB 2,123,635,699 thousand, up from RMB 1,970,650,829 thousand at the end of 2024, marking an increase of 7.76%[51]. - The loan balance stood at RMB 1,025.57 billion, up 9.39% year-on-year, representing 44.68% of total assets[32]. - The bank's loan and advance issuance reached RMB 987,002,796 thousand, an increase from RMB 900,326,175 thousand at the end of 2024[44]. Shareholder Information - The total number of shareholders was 67,570 at the end of the reporting period[12]. - The largest shareholder, Hangzhou Financial Investment Group, holds 1,202,275,119 shares, representing 16.59% of total shares[13]. - Net assets attributable to shareholders increased by 19.77% to RMB 162,950,188 compared to the previous year[6]. - The total equity reached RMB 162,950,188 thousand as of September 30, 2025, up from RMB 136,047,999 thousand at the end of 2024, reflecting a growth of approximately 19.73%[46]. Cash Flow - Cash flow from operating activities for the first nine months of 2025 was RMB 82,745,697, an increase of 311.71% compared to the same period last year[11]. - Net cash flow from operating activities for the first nine months of 2025 was RMB 82,745,697 thousand, a significant increase from RMB 20,098,008 thousand in the same period of 2024[62]. - Cash inflow from investment activities totaled RMB 847,205,974 thousand, compared to RMB 531,640,130 thousand in the previous year, marking a 59.4% increase[64]. - Cash outflow from investment activities was RMB 948,915,804 thousand, up from RMB 580,747,851 thousand, resulting in a net cash flow from investment activities of (RMB 101,709,830) thousand[64]. - Total cash inflow from financing activities was RMB 337,365,090 thousand, an increase of 11.7% from RMB 302,130,218 thousand in the prior year[68]. - Net cash flow from financing activities decreased to RMB 26,751,933 thousand from RMB 32,713,212 thousand year-over-year[64]. - The ending balance of cash and cash equivalents was RMB 117,313,211 thousand, up from RMB 59,623,749 thousand in the same period last year[64]. Capital and Ratios - The weighted average return on equity was 3.20%, a decrease of 0.51 percentage points year-on-year[6]. - The capital adequacy ratio improved to 14.43% from 13.80% year-over-year[22]. - Core Tier 1 capital adequacy ratio increased to 9.64% from 8.85% in the previous year[22]. - The average return on total assets was 0.72%, consistent with the previous year[20]. - The comprehensive diluted return on equity decreased to 11.55% from 12.85% year-on-year[20]. - The cost-to-income ratio improved slightly to 27.09% from 27.30% in the previous year[20]. Loan and Investment Activities - The non-performing loan ratio remained stable at 0.76% as of September 30, 2025[20]. - The balance of green loans reached RMB 1,104.86 billion, with a year-to-date increase of 18.45%[35]. - The small and micro finance loan balance was RMB 157.68 billion, with a year-on-year increase of 37.77%[36]. - The bank's credit impairment losses decreased significantly to RMB 2,819,862 thousand, down 38.49% from RMB 4,583,025 thousand in the same period last year[53]. - The bank's investment income rose to RMB 7,307,332 thousand, an increase of 22.19% from RMB 5,974,823 thousand year-on-year[53]. Awards and Recognition - The bank's intelligent service product "Hang@Bao" won the "2025 Annual Bank AI Original Product Innovation Award" at the China Banking Digital Summit[38].

Core Viewpoint - Hangzhou Bank has demonstrated a strong commitment to shareholder returns through its mid-term dividend plan, reflecting solid operational performance and a focus on sustainable growth [1][5]. Financial Performance - For the first three quarters of 2025, Hangzhou Bank reported an operating income of 28.88 billion yuan, a year-on-year increase of 1.35%, with net interest income rising by 9.96% to 20.09 billion yuan and net commission income increasing by 12.65% to 3.30 billion yuan [3]. - The net profit attributable to shareholders reached 15.88 billion yuan, representing a year-on-year growth of 14.53% [3]. Asset and Liability Management - As of the end of Q3 2025, the total assets of Hangzhou Bank amounted to 2.29 trillion yuan, an increase of 8.67% from the end of the previous year, with total loans at 1.03 trillion yuan, up 9.39% [4]. - The loan-to-asset ratio improved to 44.68%, reflecting a focus on core business and efficiency [4]. - Total liabilities reached 2.13 trillion yuan, growing by 7.90%, with total deposits at 1.35 trillion yuan, a year-on-year increase of 5.97% [4]. Asset Quality - The non-performing loan ratio remained stable at 0.76%, significantly lower than the industry average, indicating strong asset quality [4]. - The bank's provision coverage ratio stood at 513.64%, providing a robust buffer against potential risks [4]. Dividend Distribution - The mid-term dividend plan includes a cash dividend of 0.38 yuan per share, reflecting a 2.70% increase from the previous year's 0.37 yuan per share, despite a 20.83% increase in the total number of shares [2]. - The total cash dividend payout is estimated at 2.755 billion yuan, a 24.10% increase compared to the previous year, showcasing the bank's strong profit distribution capability [2]. Commitment to Shareholder Returns - Hangzhou Bank has consistently prioritized shareholder returns, with cash dividends increasing significantly since its listing, demonstrating a commitment to rewarding investors [5]. - The bank's focus on high-quality development and risk management is expected to support sustainable growth and continued shareholder value creation in the future [5].

一、审议通过《杭州银行股份有限公司2025年第三季度报告》 监事会认为公司2025年第三季度报告的编制和审议程序符合法 律、行政法规和监管规定，报告的内容真实、准确、完整地反映了 公司的实际情况。 表决结果：同意7票，反对0票，弃权0票。 杭州银行股份有限公司（以下简称"公司"）第八届监事会第十 六次会议于 2025 年 10 月 17 日以电子邮件及书面形式发出会议通知， 并于 2025 年 10 月 29 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： 证券代码：600926 证券简称：杭州银行 公告编号：2025-079 优先股代码：360027 优先股简称：杭银优 1 杭州银行股份有限公司 第八届监事会第十六次会议决议公告 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、准确性和 完整性承担法律责 ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-078 优先股代码：360027 优先股简称：杭银优 1 杭州银行股份有限公司 第八届董事会第二十一次会议决议公告 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 第二十一次会议于 2025 年 10 月 20 日以电子邮件及书面方式发 出会议通知，并于 2025 年 10 月 30 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，亲自出席 董事 11 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》（以下简称"《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 2025 年度中期利润 分配方案》 以最近一期经审计未分配利润为基准，按照当期利润的合理 比例，拟定公司 2025 年度中期利润分配方案如下： ...

证券代码：600926 证券简称：杭州银行 公告编号：2025-080 优先股代码：360027 优先股简称：杭银优 1 杭州银行股份有限公司 2025 年度中期利润分配方案公告 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。 度合并报表中归属于上市公司股东净利润的 23.62%。 根据公司 2024 年年度股东大会授权，上述利润分配方案经董事 会审议通过后即可实施。 重要内容提示： 每股分配比例：每股派发现金股利人民币 0.38 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。 根据公司 2024 年年度股东大会授权，本次中期利润分配方案 经董事会审议通过后即可实施。 一、利润分配方案 经安永华明会计师事务所（特殊普通合伙）审阅，2025 年 1-6 月，杭州银行股份有限公司（以下简称"公司"）母公司实现净利 润人民币 1,117,924.9 万元。以最近一期经审计未分配利润为基准， 按照当期利润的合理比例，经公司第八届董事会第二十一次会议决 议 ...

| | | | | 社会保险、住房 公积金及企业 | | --- | --- | --- | --- | --- | | 姓名 | 职务 | 2024 | 年度年薪 | | | | | | | 年金的单位缴 | | | | | | 存部分 | | 宋剑斌 | 党委书记、董事长 | | 97.76 | 19.25 | | 温洪亮 | 党委副书记、董事 | | 83.10 | 18.23 | 注：1、经杭州市人民政府国有资产监督管理委员会核定，宋剑斌先 生、温洪亮先生自公司领取的 2019-2021 年任期激励收入分别为人民 币 82.74 万元及 66.20 万元；2019-2021 年任期激励收入在 2022-2024 年三年期间按 6:2:2 的比例逐年兑现；上表中宋剑斌先生、温洪亮先 生的 2024 年度年薪不包含 2024 年度兑现的任期激励收入。 2、上述人员税前薪酬中的绩效奖金部分根据相关规定按相应比 证券代码：600926 证券简称：杭州银行 公告编号：2025-081 优先股代码：360027 优先股简称：杭银优 1 杭州银行股份有限公司 关于2024年年度报告的补充公告 本公司董事会及全体董事 ...

Group 1 - Hangzhou Bank held its 20th meeting of the 8th board of directors on October 30, 2025, discussing the revision of the anti-money laundering management measures [1] - For the first half of 2025, Hangzhou Bank's revenue composition was 156.2% from interest income and 14.01% from non-interest income [1] Group 2 - As of the report, Hangzhou Bank's market capitalization is 113.8 billion yuan [2]

（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）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； 杭州银行股份有限公司 独立董事候选人声明与承诺 本人赵骏，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； 三、本人具备独立性，不属于下列情形： （一）在上市公司或者其附属企业任职的人员及其配偶、父 母、子女、主要社会关系（主要社会关系是指兄弟姐妹、兄弟姐 妹的配偶、配偶的父母、配偶的兄弟姐妹、子女的配偶、子女配 偶的父母等 ...

杭州银行股份有限公司 独立董事提名人声明与承诺 1 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）； （五）中共中央组织部《关于进一步规范党政领导干部在企 业兼职（任职）问题的意见》的相关规定（如适用）； 提名人杭州银行股份有限公司董事会，现提名赵骏为杭州银 行股份有限公司第八届董事会独立董事候选人，并已充分了解被 提名人职业、学历、职称、详细的工作经历、全部兼职、有无重 大失信等不良记录等情况。被提名人已同意出任杭州银行股份有 限公司第八届董事会独立董事候选人（参见该独立董事候选人声 明）。提名人认为，被提名人具备独立董事任职资格，与杭州银 行股份有限公司之间不存在任何影响其独立性的关系，具体声明 并承诺如下： 一、被提名人具备上市公司运作的基本知识，熟悉相关法律、 行政法规、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、被提名人任职资格符合下列法律、行政法规和部门规章 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 ...