中信建投证券股份有限公司 关于 浙江绍兴瑞丰农村商业银行股份有限公司 向不特定对象发行可转债 之 上市保荐书 保荐人 二〇二三年九月 保荐人出具的上市保荐书 保荐人及保荐代表人声明 中信建投证券股份有限公司及本项目保荐代表人周子昊、常亮根据《中华人 民共和国公司法》《中华人民共和国证券法》等有关法律、法规和中国证监会及 上海证券交易所的有关规定，诚实守信，勤勉尽责，严格按照依法制定的业务规 则和行业自律规范出具上市保荐书，并保证所出具文件真实、准确、完整。 3-2-1 保荐人出具的上市保荐书 目 录 | 释 | 义 3 | | | --- | --- | --- | | 一、发行人基本情况 5 | | | | 二、发行人本次发行情况 23 | | | | 三、本次证券发行上市的保荐代表人、协办人及项目组其他成员情况 30 | | | | 四、关于保荐人是否存在可能影响公正履行保荐职责情形的说明 31 | | | | 五、保荐人按照有关规定应当承诺的事项 32 | | | | 六、保荐人关于发行人是否已就本次证券发行上市履行了《公司法》《证券法》 | | | | 和中国证监会及上海证券交易所规定的决策程序的说明 ...

浙江绍兴瑞丰农村商业银行股份有限公司 股东大会议程 会议时间：2023 年 9 月 7 日（星期四）上午 10:30 会议地点：浙江省绍兴市柯桥区笛扬路 1363 号瑞丰银 行三楼一号会议室 2023 年第二次临时股东大会会议资料 浙江绍兴瑞丰农村商业银行股份有限公司 2023 年第二次临时股东大会会议资料 2023 年 9 月 7 日 | 股东大会议程 | 1 | | --- | --- | | 股东大会会议须知 | 2 | | 选举第四届董事会董事 4 | | | 变更注册资本 | 6 | | 修订《公司章程》 | 7 | | 制定《资本管理规划（2024-2026 | 年）》 9 | 2023 年第二次临时股东大会会议资料 会议召集人：公司董事会 一、主持人宣布会议开始 二、会议内容 1 1.审议《选举第四届董事会董事》； 2.审议《变更注册资本》； 3.审议《修订<公司章程>》； 4.审议《制定<资本管理规划（2024-2026 年）>》。 三、股东质询 四、宣布股东大会现场出席情况 五、投票表决、计票 六、宣布表决结果 七、律师宣读法律意见书 八、主持人宣布大会结束 2023 年第二次临时股东大会会 ...

Financial Performance - The company's total assets amounted to RMB 189,908.75 million, reflecting an 18.97% increase from the previous year[4]. - The bank achieved a net interest income of 1.554 billion RMB, an increase of 1.67% compared to the previous year[68]. - The bank's total operating income reached 1.892 billion RMB, with a year-on-year growth of 8.19%[67]. - Net profit attributable to shareholders was CNY 730 million, a year-on-year increase of 16.80%[85]. - The company reported a net profit of RMB 739,774 thousand, representing a 16.66% increase compared to the same period last year[96]. - The weighted average return on equity was 9.54%, up 0.52 percentage points year-on-year[85]. - The bank's operating income was 1.892375 billion yuan, up 8.19% from the previous year, primarily due to the rapid growth of non-interest income[94]. - Non-interest income surged to RMB 338,190 thousand, marking a significant increase of 53.38% year-on-year, primarily driven by higher net fees and commissions[96][99]. Loan and Deposit Growth - The total amount of loans and advances issued by the company reached RMB 111,778.72 million, an increase of RMB 8,883 million compared to the previous year[8]. - Corporate loans accounted for 47.62% of the total loan amount, increasing by RMB 11,153 million year-on-year[9]. - Total deposits reached CNY 142.71 billion, an increase of CNY 1.90 billion, representing a growth of 15.40% year-on-year[30]. - Demand deposits amounted to CNY 49.01 billion, up CNY 0.30 billion, with a growth rate of 6.63%[30]. - Time deposits totaled CNY 90.69 billion, increasing by CNY 1.57 billion, reflecting a growth of 20.96%[30]. - The loan balance in the Shaoxing region is 102,462,701 thousand RMB, accounting for 91.67% of the total, with a non-performing loan ratio of 0.96%[12]. Asset Quality and Risk Management - The non-performing loan ratio for personal loans was 1.21%, while the overall non-performing loan ratio stood at 0.98%[11]. - The total provision for loan losses at the end of the reporting period is 3,263,527 thousand RMB, with a provision coverage ratio of 2.94%[17]. - The bank has established a robust risk management mechanism covering the entire loan process to mitigate credit risk[47]. - The bank emphasizes a comprehensive risk management approach, focusing on digital risk control to enhance risk management capabilities and efficiency[52]. - The bank aims to improve asset quality by implementing targeted collection activities and establishing a "problem customer database" to track and manage potential risks[54]. Wealth Management and Investment - Wealth management business achieved a significant growth of 79.72% year-on-year, with total sales of various agency products reaching 2.766 billion RMB[45]. - The bank raised a total of 18.406 billion RMB in net value-based wealth management products during the first half of 2023, with a total net value-based wealth management scale of 13.246 billion RMB at the end of the period[43]. - The bank's investment in Shenzhou Ruifeng Village Bank has a registered capital of CNY 176 million, with a net profit of CNY 0.017 billion for the first half of 2023[36]. - The bank's total investment in bonds increased to CNY 14.92 billion, up from CNY 8.51 billion year-on-year[32]. Shareholder and Corporate Governance - The company distributed a cash dividend of CNY 0.15 per share and issued 0.3 bonus shares per share, totaling CNY 226,403,237.85 in cash dividends[129]. - The largest shareholder, Shaoxing Keqiao Tiansheng Investment Management Co., Ltd., increased its holdings by 30,428,577 shares, holding a total of 131,857,166 shares, representing 6.72% of the total[181]. - The company has appointed Mr. Chen Gangliang as the new president, effective from July 13, 2023[185]. Digital Transformation and Innovation - Digital transformation is a key strategy, with initiatives aimed at establishing a comprehensive digital banking ecosystem and improving customer engagement[79]. - The bank is committed to enhancing its digital marketing system to improve user experience and increase marketing efficiency[144]. - The bank has launched over 10 innovative service products in the past two years, including "Organic Renewal Loan" and "Carbon Emission Rights Mortgage Loan"[163]. Economic and Market Context - In the first half of 2023, China's GDP grew by 5.5% year-on-year, significantly faster than the 3% growth in 2022 and 4.5% in Q1 2023[136]. - The banking sector increased RMB loans by 15.73 trillion yuan in H1 2023, which is 2.02 trillion yuan more than the same period last year; manufacturing loans increased by 3.5 trillion yuan, up 186.1 billion yuan year-on-year[137].

证券代码：601528 证券简称：瑞丰银行 公告编号：2023-040 浙江绍兴瑞丰农村商业银行股份有限公司 第四届董事会第十五次会议决议公告 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称"本行"）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。 本行于 2023 年 8 月 11 日以电子邮件及书面方式向全体董事发出关于召开 第四届董事会第十五次会议的通知，经全体董事同意，本行于 2023 年 8 月 18 日 增加补充议案，以电子邮件的方式发出董事会补充通知。本次会议于 2023 年 8 月 22 日在本行以现场和视频相结合的方式召开。本次会议应出席董事 15 名，实 际出席董事 15 名（实际拥有表决权的董事 14 名）。会议由董事长章伟东主持， 部分监事及高级管理人员列席。本次会议符合《中华人民共和国公司法》等法律 法规及本行《章程》的有关规定。 会议审议通过了以下议案： 一、提名第四届董事会董事候选人 1、提名吴智晖先生为本行第四届董事会执行董事候选人 独立董事对此事项发表了独立意见，认为：本次执行董事候选人的提名、审 ...

（一）外部环境 "十四五"期间，面对复杂严峻的国内外形势和多重超 预期因素冲击，我国经济正在以高质量发展的确定性来对冲 前进路上的一切不确定性，银行业的发展也面临着前所未有 的机遇和挑战。一方面，经济体系的绿色低碳转型、乡村振 兴和共同富裕战略的全面推进、数字经济和科技创新，将为 我国经济的高质量发展提供新的动能，也将为金融支持实体 经济和银行业的可持续发展带来新的机遇；另一方面，净息 差的持续收窄、互联网金融的快速发展、行业竞争的不断加 剧、财富管理业务面对的市场波动，使得银行业面临着自身 发展模式转型的巨大压力。 1 （二）监管要求 浙江绍兴瑞丰农村商业银行股份有限公司 资本管理规划（2024-2026 年） 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称 "本行"）为适应不断变化的国内外经济金融形势和商业银 行业务模式，持续满足资本监管和宏观审慎监管要求，进一 步加强资本管理、提升资本运营效率，促进本行高质量可持 续发展，更好地回报股东和社会，有效支持战略发展需要， 在充分考虑本行战略规划的实施以及实际经营发展需求、股 东回报要求的基础上，特制定《浙江绍兴瑞丰农村商业银行 股份有限公司资本管理规划（20 ...

证券代码：601528 证券简称：瑞丰银行 公告编号：2023-042 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称 "本行"）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。 本行于 2023 年 8 月 11 日以电子邮件及书面方式向全体监事发出关于召开 第四届监事会第十二次会议的通知，经全体监事同意，本行于 2023 年 8 月 18 日 增加补充议案，以电子邮件的方式发出监事会补充通知。本次会议于 2023 年 8 月 22 日在本行以现场和视频相结合的方式召开。会议由监事长俞广敏主持，会 议应到监事 9 人，实到监事 8 人，张晓鸿监事书面委托顾洁萍监事代为出席并表 决。本次会议符合《中华人民共和国公司法》等法律法规及本行《章程》的有关 规定。 浙江绍兴瑞丰农村商业银行股份有限公司 第四届监事会第十二次会议决议公告 会议审议通过了以下议案： 一、变更注册资本 详情请查阅本行同日披露在上海证券交易所网站（www.sse.com.cn）的《浙 江绍兴瑞丰农村商业银行股份有限公司关于变更注册资本并修订公司章程的公 告》（202 ...

重要内容提示： ● 2023 年 3 月 29 日，本行在上海证券交易所网站（www.sse.com.cn）披 露了《关于稳定股价方案的公告》（公告编号：2023-016）。在本行领取薪酬的时 任董事（独立董事除外）、高级管理人员计划以自有资金通过上海证券交易所交 易系统集中竞价交易方式增持本行股份，增持金额合计不低于 86.76 万元。增持 实施期限为自股东大会审议通过之日起 6 个月内（其中，年度报告、半年度报告 公告前 30 日内，季度报告、业绩预告、业绩快报公告前 10 天内，以及可能对本 行股票交易价格产生较大影响的重大事件发生之日或在决策过程中，至依法披露 之日内，不得增持本行股票，上述增持期限同期顺延。增持计划实施期间，本行 股票因筹划重大事项连续停牌 10 个交易日以上的，增持计划应当在股票复牌后 顺延实施并及时披露）。2023 年 4 月 20 日该方案经本行 2022 年年度股东大会审 议通过。 ● 增持计划的实施进展情况：截至本公告披露日，本次增持计划时间已过 半，在本行领取薪酬的时任董事（独立董事除外）、高级管理人员以自有资金通 过上海证券交易所交易系统以集中竞价的交易方式累计增持本行 ...

证券代码：601528 证券简称：瑞丰银行 公告编号：2023-035 浙江绍兴瑞丰农村商业银行股份有限公司 关于举办投资者开放日活动的公告 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称"本行"）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。 为了更好地与投资者进行沟通交流，使广大投资者全面深入地了解本行情况， 本行将于 2023 年 6 月 28 日举行投资者开放日活动，现将有关事项公告如下： 一、活动时间、地点及邀请对象 活动时间：2023 年 6 月 28 日（周三）9：00-11：30 活动地点：瑞丰银行数字金融中心（浙江省绍兴市越城区洋江西路 550 号） 邀请对象：本行投资者。考虑到场地有限，本次活动拟邀请 30 名投资者参 与，预约满后报名自动结束。 二、活动行程 9：00-9：20 签到、合影 9：20-10：00 参观数字金融中心大楼、行史馆 10：00-10：35 介绍本行发展历程、经营情况等 10：35-11：30 互动交流 三、本行参会人员 党委委员、董事、副行长：严国利先生 董事会秘书：吴光伟先生 董事 ...

Financial Performance - Operating revenue for Q1 2023 reached CNY 914,489,000, representing an increase of 8.10% compared to the same period last year[2] - Net profit attributable to shareholders was CNY 346,749,000, reflecting a growth of 16.16% year-over-year[2] - Net profit for the first quarter of 2023 reached CNY 350,614,000, an increase of 15.9% compared to CNY 302,227,000 in the same period last year[18] - Operating profit increased to CNY 333,190,000, up from CNY 273,982,000, reflecting a growth of 21.6% year-over-year[18] - The company reported a total comprehensive income of CNY 386,639,000 for the first quarter, an increase from CNY 321,992,000 year-over-year[18] - Earnings per share (EPS) for the first quarter was CNY 0.23, up from CNY 0.20 in the same quarter last year, representing a growth of 15%[18] Cash Flow and Liquidity - Net cash flow from operating activities surged to CNY 13,128,785,000, marking a significant increase of 721.99% compared to the previous year[2] - The net cash flow from operating activities surged by 721.99%, driven by an increase in net customer deposits and a rise in funds from repurchase transactions[20] - Net cash flow from operating activities reached CNY 13,128,785 thousand in Q1 2023, a significant increase from CNY 1,597,189 thousand in Q1 2022[31] - Cash and cash equivalents at the end of Q1 2023 totaled 15,621,022 thousand RMB, up from 9,057,664 thousand RMB at the end of Q1 2022, an increase of approximately 72.5%[39] Assets and Liabilities - Total assets as of March 31, 2023, amounted to CNY 181,503,979,000, which is a 13.71% increase from the end of the previous year[2] - Total assets increased to CNY 178,130,704 thousand as of March 31, 2023, up from CNY 156,344,340 thousand at the end of 2022, representing a growth of approximately 13.4%[34] - Total liabilities rose to CNY 162,999,915 thousand as of March 31, 2023, compared to CNY 141,592,692 thousand at the end of 2022, marking an increase of about 15.1%[34] - The company’s total liabilities increased to CNY 169,623,000, compared to CNY 177,993,000, showing a decrease of 4.1%[28] Capital Adequacy and Loan Quality - The capital adequacy ratio stood at 14.92%, a decrease from 15.58% at the end of the previous year[15] - The core tier 1 capital adequacy ratio stood at 13.72%, slightly up from 13.65% in the previous period, demonstrating a stable capital position[24] - The bank's total loans reached CNY 108,813,064,000, up from CNY 102,895,593,000 at the end of 2022[13] - The non-performing loan ratio improved to 1.01%, down from 1.08% at the end of 2022[15] - The proportion of normal loans was 97.61% as of March 31, 2023, slightly up from 97.47% at the end of December 2022[42] Customer Deposits and Market Activity - The total deposits reached CNY 134,293,695,000, an increase from CNY 123,672,286,000, indicating a growth of 8.1%[22] - Customer deposits and interbank deposits increased by CNY 10,843,404 thousand in Q1 2023, compared to CNY 8,123,856 thousand in Q1 2022, reflecting a growth of approximately 33.5%[31] - The net increase in customer deposits and interbank placements was 10,572,255 thousand RMB in Q1 2023, compared to 8,103,270 thousand RMB in Q1 2022, an increase of about 30.4%[38] Investment and Strategic Initiatives - The bank's investment activities generated a net cash outflow of CNY 7,123,656 thousand in Q1 2023, compared to a net outflow of CNY 2,693,438 thousand in Q1 2022[32] - The bank issued bonds that generated cash inflow of CNY 5,695,780 thousand in Q1 2023, compared to CNY 1,488,008 thousand in Q1 2022, showing a substantial increase[32] Future Outlook and Growth Strategies - The company provided a positive outlook for the next quarter, projecting a revenue growth of 10% to 12%[55] - New product launches are expected to contribute an additional 50 million RMB in revenue by the end of Q2 2023[55] - The company is investing in technology development, allocating 30 million RMB towards R&D for new financial products[55] - Market expansion plans include entering two new provinces, aiming for a 5% market share in these regions within the next year[55] - The company is considering strategic acquisitions to enhance its service offerings, with a budget of 100 million RMB earmarked for potential deals[55] Customer Satisfaction and Operational Efficiency - Customer satisfaction ratings improved to 85%, reflecting a 10% increase from the previous year[55] - The company aims to reduce operational costs by 8% through efficiency improvements in the next fiscal year[55] - A new marketing strategy is being implemented, targeting a 20% increase in brand awareness by the end of 2023[55]

证券代码：601528 证券简称：瑞丰银行 公告编号：2023-024 浙江绍兴瑞丰农村商业银行股份有限公司 关于 2022 年度业绩说明会变更会议召开信息的公告 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称"本行"）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： （网址：https://company.cnstock.com/wtzj/601528）或通过本行投资者关系 邮箱 office@borf.cn 进行提问。本行将在说明会上对投资者普遍关注的问题进 行回答。 本行已于 2023 年 4 月 4 日在上海证券交易所网站（www.sse.com.cn）披露 了《浙江绍兴瑞丰农村商业银行股份有限公司关于召开 2022 年度业绩说明会的 公告》（2023-023）。根据本行实际情况，现变更本次业绩说明会的召开地点 等 信 息 ， 会 议 召 开 地 点 由 " 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/）"变更为"上海证券报·中国 ...