FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 致：香港交易及結算所有限公司 公司名稱: 浙商銀行股份有限公司 (「本行」) 呈交日期: 2025年10月1日 截至月份: 2025年9月30日 狀態: 新提交 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 02016 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 5,920,200,000 | RMB | | 1 RMB | | 5,920,200,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 5,920,200,000 | RMB | | 1 RMB | | 5,920,200,000 | | 2. 股份分類 | ...

Group 1 - The People's Bank of China announced administrative penalties totaling 22.82 million yuan against several institutions, including Citic Bank, Zhejiang Merchants Bank, and the National Development Bank [1][2] - Citic Bank was fined 15.357 million yuan for multiple violations, including breaches of financial statistics regulations and account management rules [1] - Zhejiang Merchants Bank faced a fine of 2.9599 million yuan for seven violations, including issues related to account management and customer identity verification [1] Group 2 - The National Development Bank was fined 1.23 million yuan for violating financial statistics regulations [2] - Zhongdai Credit Rating Co., Ltd. was penalized 3.275 million yuan for failing to comply with credit rating personnel registration and independent requirements [2]

中国人民银行对浙商银行股份有限公司予以警告，罚款295.99万元。因当事人违反账户管理规定；违反 商户管理规定；违反反假货币业务管理规定；占压财政存款或者资金；违反信用信息采集、提供、查询 及相关管理规定；未按规定履行客户身份识别义务；未按规定报送大额交易报告或者可疑交易报告。作 出行政处罚决定日期为2025年8月20日。 ...

在人口老龄化加速发展的背景下，浙商银行济南分行以"金融五线谱·时光银行"系列直播为契机，通过适老化服务升级、反诈知识普 及、智能风控体系建设等创新举措，构建起覆盖老年金融消费者权益保护的立体化服务体系。在第五期"时光银行"济南站直播活动 中，分行通过多平台联动展现养老金融服务成果，吸引21.6万名网友在线观看，获得互动点赞85万人次，相关实践为行业树立了守 护银发客群的新范式。 适老服务改造：筑牢消保"前置防线" 浙商银行济南分行以"泉城银龄乐学空间"建设为抓手，全面推进营业网点适老化改造，将消保理念深度融入服务全流程。完善硬件 设施，设置了无障碍通道、爱心座椅、轮椅及老花镜等适老设备，打造无障碍金融服务环境；开辟了老年专属服务窗口并实行"优先 叫号"机制，确保老年客户优先获得柜面服务。优化服务流程，特别配置熟悉老年客户操作习惯的大堂专岗人员，提供一对一全流程 陪伴式服务，有效降低因操作障碍或信息误解导致的金融风险。 特色服务场景建设方面，"和水理财室"作为专属财富管理空间，通过通俗化讲解与可视化展示，帮助老年客户清晰理解产品风险。 理财经理采用"沙盘推演+案例解析"方式，用生活化语言揭示投资风险，杜绝误导性 ...

Core Insights - The banking sector experienced a decline of 0.92% on September 30, with CITIC Bank leading the drop [1] - The Shanghai Composite Index closed at 3882.78, up 0.52%, while the Shenzhen Component Index closed at 13526.51, up 0.35% [1] Banking Sector Performance - Ping An Bank closed at 11.34, down 0.26% with a trading volume of 832,500 shares and a transaction value of 942 million [1] - China Merchants Bank closed at 40.41, down 0.66% with a trading volume of 700,000 shares and a transaction value of 2.837 billion [1] - Zhejiang Commercial Bank closed at 2.98, down 0.67% with a trading volume of 1.695 million shares and a transaction value of 506 million [1] - Minsheng Bank closed at 3.98, down 0.75% with a trading volume of 4.847 million shares and a transaction value of 1.926 billion [1] - Industrial Bank closed at 19.85, down 1.00% with a trading volume of 1.422 million shares and a transaction value of 2.832 billion [1] - Everbright Bank closed at 3.36, down 1.18% with a trading volume of 3.044 million shares and a transaction value of 1.026 billion [1] - Shanghai Pudong Development Bank closed at 11.90, down 1.33% with a trading volume of 903,800 shares and a transaction value of 1.077 billion [1] - Huaxia Bank closed at 6.58, down 1.35% with a trading volume of 1.237 million shares and a transaction value of 816 million [1] - CITIC Bank closed at 7.20, down 1.37% with a trading volume of 731,300 shares and a transaction value of 529 million [1] Capital Flow Analysis - The banking sector saw a net outflow of 2.207 billion from institutional investors, while retail investors had a net inflow of 1.312 billion [1] - The table shows detailed capital flows for individual banks, indicating varying levels of net inflow and outflow among institutional, speculative, and retail investors [2]

浙商银行公司银行部副总经理李林在圆桌论坛环节指出，银行做科技金融主要看两个团队，一是看科技型企业人才团队，二是看银行的科技金 融团队。 李林透露，目前浙商银行公司客户结构已从原来的"基建+房地产"为主转向"产业+科技"为主，科技型企业已成为浙商银行客户转型的主力军。 生态圈建设：跳出银行做银行 聚焦"人"的价值 李林指出，传统银行依赖抵押物或经营性现金流的模式已难以满足科技型企业的需求，银行必须构建差异化的授信评级机制。从浙商银行的经 验来看，将"人力资本"作为评估科技型企业的核心依据。通过对创始人和创业团队的评价，将人力资本转化为风险评判的重要参考维度，弥补 传统评估体系的不足。 在制度保障上，总行在风险政策上给予分行科技金融差异化的授权，对科技型企业实施差异化的评级机制。考核重点从单纯的收益创造转向关 注客户服务与产品覆盖质量。 在银行科技金融团队上，要围绕"专"字建设。可设立科创专题信审会，由理解行业特性的评审人员参与决策，确保能够把握行业发展脉络，实 现与客户"同频共振"。在总行与分行层面，建立科技金融"专业服务先锋军"，要求团队聚焦重点行业，开展政策分析和行业研究，并针对不同 行业特点设计专属产品。 ...

Core Viewpoint - The article highlights the efforts of Zheshang Bank Jinan Branch in promoting financial literacy through a three-pronged approach of "education empowerment + digital innovation + grassroots cultivation," aiming to create impactful and sustainable financial knowledge dissemination brands in the context of digital transformation and rising public financial literacy needs [1] Group 1: Media Integration and Innovation - Zheshang Bank Jinan Branch embraces media integration trends, establishing a multi-platform communication network that includes radio, television, short videos, live broadcasts, and long-form articles [2] - The branch's financial advisors have been actively engaging with the public through live broadcasts, providing education on financial rights and safety principles, and addressing hot topics like retirement investment and product selection [2] - The branch has created a series of visually engaging educational materials, such as the "Consumer Protection Monthly Lecture," which simplifies financial risk concepts for better public understanding [2] Group 2: Community Engagement and Educational Initiatives - Since 2020, the branch has partnered with a local elementary school to implement the "Small Financial Volunteer" project, which provides financial education to rural children and integrates legal and safety education [3][4] - The project has reached over 800 students and organized more than 60 volunteer activities, earning recognition as an exemplary case in financial consumer protection and service innovation [6] Group 3: Focus on Fraud Prevention - In response to the rising issue of telecom fraud, the branch has utilized short videos to create awareness, producing themed content that reenacts common scams to enhance the elderly's ability to recognize and prevent fraud [7] - During the Financial Education Promotion Week, the branch's vice president emphasized fraud prevention strategies through live broadcasts, addressing new scam tactics and urging the public to protect personal information [10] Group 4: Future Directions - The branch aims to continue enhancing its media education system, leveraging various platforms to expand the reach and impact of financial knowledge dissemination, thereby fulfilling its social responsibility in creating a safe and orderly financial consumption environment [10]

Group 1 - The core message of the news highlights the efforts of Hangzhou's municipal departments to enhance the convenience of overseas travelers' consumption during the Fourth Global Digital Trade Expo, resulting in a significant increase in sales and showcasing the city's international appeal [1][2] - The city established 16 inbound consumption experience points at the expo venue, providing multilingual service brochures and a one-stop tax refund consultation service to facilitate understanding of policies and shopping for foreign guests [1] - A special "tax refund shopping bus" was launched during the expo, connecting key commercial and cultural landmarks, effectively integrating shopping, cultural experiences, and high-end consumption for diverse customer needs [1] Group 2 - Six representative commercial enterprises were awarded the title of "Inbound Consumption Quality Experience Store," aiming to set industry benchmarks and enhance international recognition of Hangzhou's inbound consumption services [2] - The promotion of "instant refund" self-service became a highlight, with the introduction of one-click tax refund services in quality experience stores and the placement of self-service tax refund machines in key shopping areas [2] - Special consumption vouchers were distributed to foreign government delegations and international merchants, with a total of 5,582 sets issued by September 27, effectively stimulating consumption enthusiasm among foreign guests [2]

Core Viewpoint - The article highlights the increasing interest of institutional investors in regional banks, particularly in the Yangtze River Delta, due to their strong performance and resilience in a developed economic region [1][2]. Group 1: Institutional Research Focus - As of September 29, 2023, A-share listed banks have been surveyed over 300 times by more than 2000 institutions, with regional banks in the Yangtze River Delta receiving significant attention [1]. - Institutions are particularly focused on net interest margin stability, potential asset quality risks, and future credit allocation strategies during their research [2][3]. Group 2: Financial Performance of Regional Banks - Changshu Bank reported a revenue of 6.062 billion yuan, a year-on-year increase of 10.10%, and a net profit of 1.969 billion yuan, up 13.51% [2]. - The bank also declared its first interim cash dividend since its listing, distributing 0.15 yuan per share, totaling 499 million yuan [2]. Group 3: Investment Trends in Banking Sector - The investment logic for bank stocks is shifting from valuation recovery to deep value discovery of high-quality banks amid industry differentiation [3]. - As of September 29, 2023, the Shenwan Primary Bank Index closed at 4000.30 points, with a year-to-date increase of 2.33%, while individual stocks like Agricultural Bank, Qingdao Bank, and Pudong Development Bank rose over 20% [4]. - Institutional investments in bank stocks have increased, with insurance funds actively purchasing shares in various banks, indicating a preference for high dividend returns and stable earnings [4].

Core Viewpoint - The recent fluctuations in the banking sector are primarily driven by short-term arbitrage fund withdrawals and an increase in market risk appetite, rather than the fundamental performance of banks [1][2][3] Group 1: Market Trends - Since July 11, the banking sector index has shown a downward trend, with an overall decline exceeding 14% after a brief rebound in early August [1] - The current market environment has led active funds to favor technology and growth sectors, resulting in a shift away from banking stocks [1][2] - The recent adjustments in the banking sector are compounded by high dividend payouts in July, leading to profit-taking by investors [2][3] Group 2: Investment Sentiment - Despite recent underperformance, banking stocks remain attractive to long-term investors such as insurance funds and social security funds, supported by favorable policies encouraging institutional investment [3][4] - Data shows that insurance funds are significant shareholders in over 700 stocks, with several banking stocks among their top holdings [3] Group 3: Long-term Outlook - Analysts believe that the long-term valuation recovery of banking stocks is not a short-term phenomenon but will be supported by ongoing transformations in the banking sector's operating models [6][7] - The banking sector is transitioning towards a more quality-focused approach, enhancing capital efficiency and increasing non-interest income, which is expected to bolster the attractiveness of banking stocks [6][7] - The potential for increased investment from insurance funds is significant, as regulatory changes may lead to a higher allocation of new premiums into the A-share market [7]