那么，浙江本土银行的经营情况如何？根据宁波银行、杭州银行、浙商银行披露的2024年财报来看， 2024年，宁波银行以271.27亿元净利润连续六年稳居浙江最赚钱银行，其不良贷款率仅为0.75%，但零 售业务面临下滑。杭州银行则以18.08%的净利润增速快速追赶。相比之下，浙商银行虽以3.25万亿元总 资产居首，但净利润增速放缓，亟需优化业务结构。 宁波银行：最"赚钱"但零售失速 业绩快报显示，宁波银行2024年实现营业收入666.32亿元，较上年同期增长8.20%；归属于母公司股东 的净利润271.27亿元，较上年同期增长6.23%。 尽管宁波银行的盈利增速有所放缓，但其在浙江本地银行中的领先地位依然稳固。2024年，宁波银行实 现归母净利润271.27亿元，继续领跑。杭州银行和浙商银行分别以169.83亿元和151.86亿元的归母净利 润紧随其后。值得注意的是，宁波银行已连续六年蝉联浙江最赚钱本地银行的桂冠。 截至2024年末，宁波银行以0.75%的不良率在三家银行中表现最为优异在资产质量方面，宁波银行在三 家浙系银行中表现最为优异。截至2024年末，宁波银行的不良贷款率为0.75%，低于杭州银行的0.76 ...

Investment Rating - The investment rating for Hangzhou Bank is "Strongly Recommended" [3] Core Views - Hangzhou Bank has demonstrated stable operations and high growth potential, with a strong performance in Q1 2025, maintaining high profit growth and excellent asset quality indicators [1][6] - The bank's total assets reached 2.2 trillion yuan, a year-on-year increase of 15.8%, with loan and deposit growth rates of 14.3% and 21.1%, respectively [6][6] - The non-performing loan ratio remains low at 0.76%, and the provision coverage ratio is robust at 530.07%, indicating strong asset quality [6][6] - The bank's governance structure is sound, with a stable core management team, which supports its strategic continuity and operational stability [6][6] - The ongoing conversion of 15 billion yuan in convertible bonds is expected to further strengthen the bank's capital base and accelerate business expansion [6][6] Financial Data and Valuation - Total operating revenue (in million yuan) is projected to grow from 32,932 in 2022 to 45,804 in 2026, with a compound annual growth rate (CAGR) of approximately 10.2% [2][37] - Net profit attributable to shareholders is expected to increase from 11,679 million yuan in 2022 to 22,298 million yuan in 2026, reflecting a CAGR of 14.1% [2][37] - Earnings per share (EPS) is forecasted to rise from 1.83 yuan in 2022 to 3.64 yuan in 2026 [2][37] - The price-to-earnings (P/E) ratio is projected to decrease from 8.0 in 2022 to 4.0 in 2026, indicating increasing valuation attractiveness [2][37] - The return on equity (ROE) is expected to remain strong at 12.5% [3] Performance Metrics - In Q1 2025, the bank achieved a year-on-year revenue growth of 2.2% and a net profit growth of 17.3%, continuing its trend of double-digit growth [6][6] - The bank's asset quality remains a core strength, with a non-performing loan ratio of 0.76% and a provision coverage ratio of 530.07% [6][6] - The bank's total assets and deposits have shown strong growth, with total assets increasing by 15.8% year-on-year and deposits growing by 21.1% [6][6]

Core Viewpoint - The sudden resignation of Yu Liming, Vice Chairman and President of Hangzhou Bank, has raised concerns, but the bank assures that its operations remain stable and unaffected by this change [1][2][5]. Group 1: Resignation Details - Yu Liming resigned due to personal reasons, and Chairman Song Jianbin will temporarily assume the role of President [1]. - Internal sources expressed surprise at Yu's resignation, noting his strong capabilities [5]. Group 2: Bank Performance - Hangzhou Bank reported a solid performance in Q1 2025, with operating income of 9.978 billion yuan, a 2.22% increase year-on-year, and a net profit of 6.021 billion yuan, up 17.30% [7]. - The bank's total assets reached 222.02 billion yuan, growing 5.11% from the previous year, with loans totaling 99.52 billion yuan (up 6.15%) and deposits at 134.88 billion yuan (up 5.99%) [7]. - The bank achieved a non-performing loan ratio of 0.76% and a provision coverage ratio of 530.07%, indicating strong asset quality [9]. Group 3: Future Outlook - For 2024, Hangzhou Bank aims for loan and deposit growth exceeding 100 billion yuan, building on previous successes [5]. - The bank's total assets increased by 14.73% year-on-year, with loans and deposits growing by 16.16% and 21.74%, respectively, indicating a robust growth trajectory [9]. Group 4: Shareholder Engagement - In January 2024, New China Life Insurance acquired 5.87% of Hangzhou Bank's shares, highlighting the interest of long-term investors in the bank's stable performance and dividend returns [9]. - The bank's dividend payout for 2024 is set at 0.37 yuan per share, with total dividends reaching 5.303 billion yuan, reflecting a commitment to shareholder returns [9][10].

同时，经公司第八届董事会第十四次会议审议同意，由公司董事长宋剑斌代为履行行长职责，代为履职 期限自董事会决议通过之日起，至新任行长任职资格获监管机构核准之日止。 此外，杭州银行还表示，目前公司各项经营活动开展正常，经营质效良好，该事项不会对公司日常经营 管理工作产生重大影响。 基于此，记者联系杭州银行相关部门，对方表示，"已对相关工作进行了妥善安排，虞利明先生的辞职 不会对经营管理工作产生重大影响"。 经济观察报 记者 汪青 4月2日晚间，杭州银行（600926）（600926.SH）突发公告称，"公司董事会收到 虞利明的书面辞职报告"。 公告内容显示，虞利明因个人原因辞去公司副董事长、行长等职务，根据《中华人民共和国公司法》等 法律法规和《公司章程》相关规定，其辞职自辞职报告送达公司董事会时生效。 值得一提的是，在4月2日午后，一则"杭州银行行长虞利明疑似失联"的传闻引起业内关注。 就此事，记者曾联系杭州银行相关部门，对方仅表示，"目前暂未有对外口径可披露"。 截至4月2日收盘，杭州银行收盘价14.69元，微涨0.62%，市值927.30亿元。 截至目前，虞利明获批担任杭州银行行长一职刚满两年。2023年3 ...

4月2日，杭州银行发布公告称，虞利明因个人原因辞去公司副董事长、行长等职务，董事长宋剑斌代为 履行行长职责。当日，关于虞利明疑似失联的消息在市场上流传。 公开简历显示，虞利明于1966年10月生，中央党校研究生学历，高级经济师。曾任交通银行杭州分行党 委委员、副行长，杭州市投资控股有限公司副董事长、总经理，杭州市投资控股有限公司党委书记、董 事长、总经理，杭州工商信托股份有限公司党委书记、董事长（兼），杭州金投集团党委副书记、副董 事长、总经理。 公开简历显示，2022年12月虞利明被聘任为杭州银行行长，此前为杭州市金融投资集团有限公司（下 称"杭州金投集团"）党委副书记、副董事长、总经理。杭州金投集团为杭州银行第一大股东的母公司。 企业预警通数据显示，自虞利明于2022年离开杭州金投集团后，该公司营收一改高增态势，开始连续下 滑；净利润更是接连大跌，2023年、2024年前三季度净利润分别下跌34.6%、25%。 杭州银行在公告中表示，虞利明辞职自辞职报告送达公司董事会时生效。经杭州银行第八届董事会第十 四次会议审议同意，由该公司董事长宋剑斌代为履行行长职责，代为履职期限自董事会决议通过之日 起，至新任行长 ...

截至 2025 年第一季度末，公司总资产 22,202.01 亿元，较上 年末增长 5.11%；贷款总额 9,951.96 亿元，较上年末增长 6.15%； 存款总额 13,487.79 亿元，较上年末增长 5.99%；公司不良贷款 率 0.76%，拨备覆盖率 530.07%。 证券代码：600926 证券简称：杭州银行 公告编号：2025-012 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 2025年第一季度主要经营情况公告 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。 2025年第一季度，杭州银行股份有限公司（以下简称"公司"） 坚持"稳中求进，以稳促进"总基调，立足长期主义，聚焦主责 主业，推进高质量发展，各项经营管理工作取得了良好成效。2025 年第一季度，公司经营效益继续提升，资产负债规模稳健增长， 资产质量保持优良水平，为实现全年发展目标奠定了坚实基础。 2025 年第一季度，公司实现营业收入 99.78 亿元，较上年同 期增长 2.2 ...

经公司第八届董事会第十四次会议审议同意，由公司董事长宋 剑斌先生代为履行行长职责，代为履职期限自董事会决议通过之日 起，至新任行长任职资格获监管机构核准之日止。 杭州银行股份有限公司 关于副董事长、行长辞职的公告 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 完整性承担法律责任。 杭州银行股份有限公司（以下简称"公司"）董事会收到虞利明 先生的书面辞职报告。虞利明先生因个人原因辞去公司副董事长、 行长等职务，根据《中华人民共和国公司法》等法律法规和《公司 章程》相关规定，其辞职自辞职报告送达公司董事会时生效。 证券代码：600926 证券简称：杭州银行 公告编号：2025-010 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 目前公司各项经营活动开展正常，经营质效良好，该事项不会 对公司日常经营管理工作产生重大影响。 特此公告。 杭州银行股份有限公司董事会 2025 年 4 月 2 日 1 ...

Core Viewpoint - The sudden resignation of Yu Liming as Vice Chairman and President of Hangzhou Bank raises questions, especially given the timing of the announcement alongside the bank's preliminary operating results for Q1 2025 [1][3]. Group 1: Resignation Details - Yu Liming resigned from his positions due to personal reasons, effective upon the delivery of his resignation letter to the board [1]. - His tenure as President lasted just over two years, having started in December 2022 [3]. - There were rumors on the day of his resignation regarding his potential disappearance, as he was reportedly unreachable by phone [3]. Group 2: Interim Leadership - Song Jianbin, the current Chairman, will temporarily assume the role of President [1]. - Song Jianbin has been with Hangzhou Bank since 2002 and has held various senior positions, including Vice President and Chief Risk Officer [5]. Group 3: Company Performance - Hangzhou Bank reported a Q1 2025 operating income of 9.978 billion yuan, a 2.22% increase year-on-year [7]. - The net profit attributable to shareholders for Q1 2025 was 6.021 billion yuan, reflecting a 17.30% year-on-year growth [7]. - As of the end of Q1 2025, the bank's total assets reached 2.2202 trillion yuan, a 5.11% increase from the end of the previous year [7]. - The total loan amount was 995.196 billion yuan, up 6.15% from the previous year-end, while total deposits reached 1.348779 trillion yuan, a 5.99% increase [7]. - The non-performing loan ratio stood at 0.76%, with a provision coverage ratio of 530.07% [7].

证券代码：600926 证券简称：杭州银行 公告编号：2025-011 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 第八届董事会第十四次会议决议公告 一、审议通过《关于董事长宋剑斌先生代为履行行长职责 的议案》 同意由董事长宋剑斌先生代为履行行长职责，代为履职期 限自董事会决议通过之日起，至新任行长任职资格获监管机构 核准之日止。 表决结果：同意 11 票；反对 0 票；弃权 0 票。 特此公告。 杭州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 会第十四次会议于 2025 年 4 月 2 日以电子邮件及书面方式发出 会议通知，并于当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。 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 ...

Core Viewpoint - The sudden resignation of Yu Liming, Vice Chairman and President of Hangzhou Bank, has raised concerns, but the bank assures that its operations remain stable and unaffected by this change [1][2][5]. Group 1: Resignation Details - Yu Liming resigned from his positions due to personal reasons, and Chairman Song Jianbin will temporarily assume the role of President [1][3]. - Internal sources expressed surprise at the sudden nature of Yu's resignation [5]. Group 2: Company Performance - Hangzhou Bank reported a strong performance in Q1 2025, with operating income of 9.978 billion yuan, a 2.22% increase year-on-year, and a net profit of 6.021 billion yuan, up 17.30% [7]. - The bank's total assets reached 2.2202 trillion yuan, growing 5.11% from the previous year, with loans totaling 995.196 billion yuan (up 6.15%) and deposits at 1.348779 trillion yuan (up 5.99%) [7]. - For the full year 2024, the bank achieved total assets of 2.11 trillion yuan, a 14.73% increase, with loans growing 16.16% and deposits increasing 21.74%, marking a record high for deposit growth [8][9]. Group 3: Asset Quality and Dividends - The bank maintained a non-performing loan ratio of 0.76%, consistent with the previous year, and a high provision coverage ratio of 530.07% [10]. - Hangzhou Bank's 2024 revenue reached 38.381 billion yuan, a 9.61% increase, with net profit growing 18.08% to 16.983 billion yuan [10]. - The bank's dividend policy reflects its stable performance, with a proposed dividend of 0.37 yuan per share for 2024, totaling 5.303 billion yuan in payouts [11].