香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不就因本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 浙商銀行股份有限公司 陸建強 董事長 （於中華人民共和國註冊成立的股份有限公司） （股份代號：2016） 董事會召開日期 浙商銀行股份有限公司（「本行」）之董事會（「董事會」）謹此宣佈，本行將於 二零二五年四月二十九日（星期二）舉行董事會會議，其中議程包括審議及批准本 行及其附屬公司截至二零二五年三月三十一日止三個月之第一季度業績及其刊發。 承董事會命 中國，杭州 2025年4月15日 CHINA ZHESHANG BANK CO., LTD. 浙商銀行股份有限公司 截至本公告日期，本行的執行董事為陸建強先生、陳海強先生及馬紅女士；非執 行董事為侯興釧先生、任志祥先生、胡天高先生及應宇翔先生；獨立非執行董事 為汪煒先生、許永斌先生、傅廷美先生、施浩先生及樓偉中先生。 ...

Core Viewpoint - The reverse salary recovery mechanism has become a norm among listed banks in China, with 10 banks disclosing a total recovery amount exceeding 100 million yuan in 2024 [1][2]. Summary by Relevant Sections Reverse Salary Recovery Mechanism - As of 2024, 10 listed banks have reported specific amounts for reverse salary recovery, with a total exceeding 100 million yuan [1][2]. - Since the issuance of the regulatory guidelines in early 2021, 13 listed banks have disclosed specific recovery amounts, totaling nearly 300 million yuan over the past three years [1][9]. Specific Bank Data - The highest recovery amounts were reported by Bank of China and Zhejiang Commercial Bank, with Bank of China recovering 32.5 million yuan from 2,469 individuals in 2024, and Zhejiang Commercial Bank recovering 30.34 million yuan from 1,424 individuals [3][4]. - Other banks such as Bohai Bank and Tianjin Bank also reported significant recovery amounts, with Bohai Bank recovering 24.03 million yuan from 612 individuals in 2024 [5]. Performance Salary Delay and Recovery - The mechanism of "performance salary delay and recovery" has become standard practice, with many banks implementing it for over 40% of the performance salaries of senior management and key positions [11]. - For instance, Citic Bank has revised its policies to ensure that over 50% of performance salaries for senior management are subject to delay [11]. Overall Trends - The trend of disclosing reverse salary recovery amounts has increased since 2022, with more banks adopting this practice [8]. - In addition to recovery amounts, some banks have also disclosed performance salary delay amounts, such as Tianjin Bank reporting 146.71 million yuan in delayed payments for 2024 [10].

Core Viewpoint - The era of easy profits in retail banking is over, as evidenced by the recent financial reports from listed banks for 2024, showing a decline in retail business performance across most institutions, with only China Merchants Bank reporting a slight increase in revenue [4][5]. Revenue and Profit Summary - China Merchants Bank reported retail revenue of 196.83 billion yuan, a year-on-year increase of 1.29%, while other banks experienced declines, with the largest drop being 45.04% for Bohai Bank [5][6]. - In terms of profit, all banks that disclosed data saw a decrease, with China Merchants Bank's profit declining by 9.28%, and Bohai Bank reporting a loss of 2.79 billion yuan [5][6]. Non-Performing Loan (NPL) Ratio Summary - The retail loan NPL ratio increased for most banks, with only Industrial Bank and Zhejiang Commercial Bank showing a decrease. Bohai Bank's NPL ratio surged to 4.15%, marking a significant increase of 1.9 percentage points [2][11]. - The rise in NPL ratios is attributed to external economic pressures, including declining household income and rising unemployment, impacting repayment capabilities [11][12]. Retail AUM Performance - China Merchants Bank led in retail Assets Under Management (AUM) with nearly 15 trillion yuan, significantly outpacing its competitors, and recorded an AUM growth rate of 12.05% [7][8]. - Other banks, such as CITIC Bank, also showed strong AUM growth, reaching 4.69 trillion yuan with a 10.62% increase [8]. Strategic Directions - Banks are shifting their retail strategies, focusing on deepening existing customer relationships rather than solely acquiring new clients. For instance, Industrial Bank emphasizes maximizing the value of existing customers, while others like Ping An Bank are undergoing a challenging retail transformation [15][16]. - The emphasis on wealth management and the transition from traditional deposit-taking to higher-value products is evident, with non-deposit AUM ratios being significantly higher in joint-stock banks compared to state-owned banks [9][10].

Core Viewpoint - The report highlights the changes in average employee salaries and executive compensation across major Chinese banks for 2024, indicating a mixed trend with state-owned banks generally experiencing salary increases while some joint-stock banks face declines in average salaries and executive pay [3][5][8]. Salary Trends - Among the 14 listed banks, state-owned banks saw an average salary increase of 3.1%, while joint-stock banks experienced an average decrease of 2.67% in employee salaries [3][5]. - The highest average salary among state-owned banks was reported by the Agricultural Bank at 36 million yuan, with a year-on-year increase of 7.2% [5]. - In contrast, the Shanghai Pudong Development Bank reported the largest decline in average salary, down 15% to 42.23 million yuan [6][7]. Executive Compensation - Executive compensation across the 14 banks generally decreased, with seven banks reporting a decline in total executive pay, the most significant drop being 52.17% at China Everbright Bank [4][8]. - Only the Industrial and Commercial Bank of China reported an increase in executive compensation, rising by 5.82% to 12.97 million yuan [8]. - The average salary for chairpersons of state-owned banks was 917,000 yuan, with the highest being 944,600 yuan at the Bank of Communications [9]. Employee Numbers - The total number of employees in state-owned banks remained stable, with a slight increase of 0.4% to approximately 1.85 million, while joint-stock banks saw a minor increase of 0.3% [10]. - The Agricultural Bank had the largest workforce among state-owned banks, employing 454,700 individuals [10].

Core Viewpoint - The article discusses the impact of the U.S. tariff policy on Zhejiang's foreign trade and emphasizes the need for local enterprises to adapt and explore new markets to mitigate the effects of reduced exports to the U.S. [1][3] Group 1: Impact of U.S. Tariffs - The Zhejiang Provincial Council for the Promotion of International Trade surveyed over 1,600 foreign trade enterprises, revealing that most respondents aim to explore emerging markets to compensate for reduced exports to the U.S. [3][5] - Different foreign trade enterprises are affected differently by the U.S. tariffs, with those overly reliant on the U.S. market and lacking overseas bases facing significant pressure, while high-value and irreplaceable export products maintain an advantage. [5] Group 2: Strategic Recommendations - Experts suggest that Zhejiang enterprises should optimize their supply chain systems, diversify market layouts, and enhance domestic market development to reduce reliance on the U.S. market. [3][5] - The chief economist of Zhejiang Commercial Bank recommends strengthening technological innovation and independent research and development to accelerate industrial upgrades and reconstruct stable supply chains. [3][5] Group 3: Future Initiatives - The Zhejiang Provincial Council for the Promotion of International Trade plans to launch a series of 30 events this year under the "Zhejiang Going Global" initiative to help enterprises effectively respond to risks and explore diverse markets. [5]

Core Viewpoint - Since 2025, A-share listed banks have seen significant increases in shareholding by executives and major shareholders, particularly accelerating since April 2023, driven by policy guidance, market confidence, and valuation recovery needs [1][4]. Group 1: Recent Actions and Announcements - On April 9, Huaxia Bank announced that its directors, supervisors, and senior management plan to voluntarily increase their shareholding by at least 30 million yuan within six months starting from April 11, 2025 [2]. - Jiangsu Bank also reported that its senior management and some directors plan to increase their A-share holdings by at least 20 million yuan through concentrated bidding [2]. - Postal Savings Bank and Chengdu Bank disclosed their major shareholders' ongoing shareholding increases, with Postal Savings Bank's major shareholder increasing 19.91 million shares, representing 0.02% of its total issued shares [2]. Group 2: Market Impact and Analyst Insights - The recent surge in shareholding among A-share listed banks reflects confidence from both local state-owned platforms and internal management teams regarding the banks' fundamentals [3]. - Analysts predict that this trend will boost market sentiment, attract long-term investors to the banking sector, and enhance governance structures by aligning management interests with shareholder returns [3][4]. - The scale of shareholder increases is expected to grow, particularly among state-owned banks due to their strong capital positions and lower valuations, while regional banks may also participate if supported by shareholders [4].

【导读】陈海强正式获聘为浙商银行行长 4月10日晚间，浙商银行（601916）发布公告称，经该行董事会审议，同意聘任陈海强为该行行长，任 职资格尚待国家金融监督管理总局核准。 同时，在陈海强任职资格获核准前，其代为履行行长职责，该行董事长陆建强不再代为履职。 4月2日，浙商银行发布公告称，根据中共浙江省委决定，陈海强出任浙商银行党委副书记，并获提名为 浙商银行行长。 形成"一正三副"格局 此前，浙商银行行长一职曾空缺近8个月。随着陈海强的获聘，浙商银行高管层架构也将呈现"一正三 副"格局，分别为：行长陈海强、副行长景峰、骆峰、林静然。同时，上述人员也均为"70后"高管，体 现出浙商银行管理层具有年轻化特色。 在浙商银行业绩说明会上，陈海强表示，浙商银行不会一味追求规模情结，不走"垒大户"的老路，不会 关注短期业绩、挣快钱，这些都是该行追求长期价值的选择方向。 据他介绍，近年来，该行及时优化调整风险偏好，推动授信风控逻辑，从重视财务指标向重视社会口碑 转变，从门槛式审批向陪伴式服务转变，从把关式静态风控向过程式动态风控转变。 副行长补位行长一职 据悉，陈海强在浙商银行任职长达10年，此前曾担任浙商银行副行长职务 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-020 浙商银行股份有限公司 关于聘任行长的公告 1 附件：陈海强先生简历 陈海强先生，1974 年 10 月出生，本公司党委副书记、执行董事、副行长。 硕士学位、正高级经济师。陈先生曾任国家开发银行浙江省分行副主任科员， 招商银行宁波北仑分理处副主任（主持工作）、宁波北仑支行行长、宁波分行 党委委员、行长助理、副行长，浙商银行宁波分行党委书记、行长，浙商银行 行长助理兼杭州分行党委书记、行长，浙商银行首席风险官，浙商银行党委委 员、副行长。现兼任浙江省国际商会常务副会长。 截至本公告日，陈海强先生持有本公司 A 股股票 754,000 股，其与本公司 的董事、监事、高级管理人员及其他持股 5%以上的股东不存在关联关系；未受 过中国证监会及其他部门的处罚或证券交易所惩戒，不存在《公司法》《公司 章程》等相关规定中禁止任职的条件，不存在被中国证监会确定为市场禁入者 且尚未解除的情形。 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4月10日，浙商银行股份 ...

Group 1 - The banking industry is actively providing special loans for stock repurchase and increase to support the stable operation of the capital market, with several banks disclosing their progress and plans in this area [1][2] - Major state-owned banks are intensifying their efforts in stock repurchase and increase loan services, committing to support the financing needs of listed companies and their major shareholders [1][2] - Industrial and Commercial Bank of China has initiated a special action to support listed companies in stock repurchase and increase, addressing corporate funding needs of nearly 50 billion yuan [1] Group 2 - Agricultural Bank of China is focusing on providing special loans for stock repurchase and increase to quality listed companies, having reached cooperation intentions with several central state-owned enterprises and private listed companies [2] - China Bank has supported 73 listed companies' stock repurchase and increase plans, with a total loan intention amount of 25.36 billion yuan as of the end of March [2] - Construction Bank has established a special team for stock repurchase and increase, engaging with over 80 interested companies for loan services [2] Group 3 - As of the end of March, Industrial Bank has reached cooperation with 44 listed companies or major shareholders for stock repurchase and increase loans, with a loan ceiling exceeding 6.6 billion yuan, where over 80% are private enterprises and over 60% are technology companies [6] - As of April 9, Zhejiang Merchants Bank has reached cooperation intentions with nearly 60 listed companies and shareholders for stock repurchase and increase loans, with a planned repurchase amount exceeding 8 billion yuan and a credit fund scale exceeding 5 billion yuan [7] Group 4 - Other banks such as Postal Savings Bank, Huaxia Bank, and Everbright Bank have announced shareholder increase plans, signaling positive prospects for the future development of listed banks [8] - The stock repurchase and increase re-loan program was established in October last year as a new tool to encourage financial institutions to provide loans to eligible listed companies and major shareholders for stock repurchase and increase [8]