证券代码：601916 证券简称：浙商银行 公告编号：2023-058 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。 重要内容提示： 会议召开时间：2023 年 9 月 1 日（星期五）15:00-17:00 会议召开方 式：网络视频直播 浙商银行股份有限公司 关于召开 2023 年半年度网上业绩说明会的公告 1 二、说明会召开的时间、地点 （一）会议召开时间：2023 年 9 月 1 日（星期五）15:00-17:00 （二）会议召开方式：网络视频直播 （三）网络直播地址： 全 景 路 演 网络直播地址： 全 景 路 演（https://rs.p5w.net/） 和 同花顺 （https://board.10jqka.com.cn/rs/app/detail?roadshowId=1006768&fromSource =weixin） 投资者可于 2023 年 8 月 29 日（星期二）17:00 前将需要了解的情况和 有关问题预先通过电子邮件的形式发送至公司投资者关系邮箱：ir@czbank.com。 公司将会于 202 ...

证券代码：601916 证券简称：浙商银行 公告编号：2023-057 浙商银行股份有限公司 关于董事辞职的公告 关品方先生经本公司第五届董事会 2021 年度第七次临时会议审议同意提名 为本公司第六届董事会独立董事候选人，于 2021 年 7 月 15 日经本公司 2021 年 度第二次临时股东大会选举为本公司独立董事，在监管部门核准其任职资格后 方可履职。截至本公告日，关品方先生的独立董事任职资格尚未取得监管部门 核准。 关品方先生已向本公司确认，其与本公司董事会无任何意见分歧，亦无有 关其辞任之事宜须请本公司股东注意。 特此公告。 浙商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。 浙商银行股份有限公司（以下简称"本公司"）董事会于 2023 年 8 月 21 日收到关品方先生提交的辞职报告。关品方先生因个人健康及时间安排的原因 辞去本公司独立董事职务，该等辞任自辞职报告送达本公司董事会时生效。 2023 年 8 月 21 日 ...

CHINA ZHESHANG BANK CO., LTD. 浙商銀行股份有限公司 （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 二三年八月二十九日（星期二）舉行董事會會議，其中議程包括審議及批准本行及 其附屬公司截至二零二三年六月三十日止六個月之中期業績及其刊發。 承董事會命 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。 中國，杭州 2023年8月16日 截至本公告日期，本行的執行董事為陸建強先生、張榮森先生、馬紅女士及陳海 強先生；非執行董事為侯興釧先生、任志祥先生、高勤紅女士、胡天高先生及朱 瑋明先生；獨立非執行董事為周志方先生、王國才先生、汪煒先生、許永斌先生 及傅廷美先生。 浙商銀行股份有限公司 陸建強 董事長 ...

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。 浙商银行股份有限公司（以下简称"本公司"）于 2022 年 2 月 23 日召开 2022 年第一次临时股东大会，选举陆建强先生为本公司第六届董事会董事； 2023 年 4 月 25 日，本公司第六届董事会 2023 年第二次临时会议选举陆建强先 生为第六届董事会董事长。国家金融监督管理总局已于近日核准陆建强先生的 董事及董事长任职资格。详见本公司分别于 2022 年 2 月 24 日、2023 年 4 月 26 日、2023 年 8 月 10 日在上海证券交易所及香港联合交易所披露的相关公告。 根据《浙商银行股份有限公司章程》的规定，董事长为本公司的法定代表 人。2023 年 8 月 10 日，本公司已完成法定代表人的工商登记变更手续，现本公 司法定代表人为陆建强先生。除上述事项外，本公司《营业执照》的其他登记 事项不变。 特此公告。 浙商银行股份有限公司董事会 证券代码：601916 证券简称：浙商银行 公告编号：2023-056 浙商银行股份有限公司 法定代表人变更公告 2 ...

证券代码：601916 证券简称：浙商银行 公告编号：2023-055 浙商银行股份有限公司 关于董事长任职资格获监管机构核准的公告 2023年8月9日，浙商银行股份有限公司（以下简称"本公司"）收到《国 家金融监督管理总局关于浙商银行陆建强任职资格的批复》（金复〔2023〕183 号）。根据有关规定，国家金融监督管理总局（以下简称"金融监管总局"） 已核准陆建强先生的董事及董事长任职资格。 陆建强先生的简历详见本公司 2022 年 1 月 26日刊登于上海证券交易所网站 （www.sse.com.cn）的《浙商银行股份有限公司第六届董事会 2022 年第二次临 时会议决议公告》（公告编号：2022-009）。 鉴于陆建强先生的董事长任职资格已获金融监管总局核准，即日起执行董 事、行长张荣森先生不再代为履行董事长、董事会战略委员会主任委员及法定 代表人职责。 根据《浙商银行股份有限公司章程》的规定，董事长为本公司的法定代表 人，本公司将尽快完成法定代表人的工商登记变更手续。 特此公告。 浙商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 ...

浙商银行股份有限公司 二〇二三年第一季度报告 浙商银行股份有限公司 CHINA ZHESHANG BANK CO.,LTD. 2023 年第一季度报告 （A 股股票代码：601916） 1 重要提示 1.1 本公司董事会、监事会及董事、监事、高级管理人员保证本报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 本公司第六届董事会2023年第二次临时会议以书面传签方式召开，于2023年4月25日审议 通过了本公司2023年第一季度报告。 ...

Financial Performance - In 2022, the total assets, revenue, and loans of China Zheshang Bank achieved double-digit growth, with revenue and loan growth rates ranking first among national joint-stock banks[6]. - In 2022, the bank's operating income reached CNY 61.085 billion, an increase of 12.14% year-on-year[16]. - The net profit attributable to shareholders was CNY 13.618 billion, reflecting a growth of 7.67% compared to the previous year[16]. - Total assets amounted to CNY 2.62 trillion, up 14.66% from the end of the previous year[16]. - The total amount of loans and advances was CNY 15.3 trillion, representing a year-on-year increase of 13.20%[16]. - Non-interest income accounted for 22.96% of total operating income in 2022, a slight decrease of 0.02 percentage points from 2021[28]. - The total amount of loans and advances issued by the group reached RMB 1,525.03 billion, an increase of RMB 177.79 billion or 13.20% compared to the previous year[66]. - The company achieved a significant increase in agency sales business, with agency business commission income rising by 66.88% year-on-year[125]. Asset Quality and Risk Management - The bank's non-performing loan ratio decreased for the first time in five years, indicating improved asset quality[6]. - The non-performing loan ratio has decreased for the first time in five years, indicating a significant improvement in asset quality[8]. - The bank's non-performing loan ratio stood at 1.47%, with a provision coverage ratio of 182.19%[16]. - The non-performing loan (NPL) amount was RMB 22.35 billion, with an NPL ratio of 1.47%, a decrease of 0.06 percentage points from the previous year[79]. - The company implements a "prudent and stable" risk preference, focusing on "small and diversified" credit principles to support the real economy[98]. - The company aims to control credit risk within a manageable range, maximizing risk-adjusted comprehensive benefits[99]. - The company has established a comprehensive credit risk management system for personal loans, including pre-approval and post-monitoring processes[103]. Digital Transformation and Innovation - The bank is actively pursuing digital transformation and has established a comprehensive service capability across five major sectors[6]. - The bank's digital transformation framework, "185N," and the "MICROSEA" ecosystem have been established to enhance operational efficiency[10]. - The bank's digital transformation includes the launch of the "Micro Sea" digital brand, aiming to integrate cutting-edge technology with banking services[21]. - The company is committed to digital transformation, focusing on integrating technology with business operations to enhance efficiency and security[142]. - The company has implemented a comprehensive digital reform strategy, establishing a structured approach to enhance digital capabilities across various applications[143]. - The company achieved a 99.75% online transaction substitution rate across its digital banking services, leading the industry[148]. Governance and Compliance - The board of directors consists of 13 members, including 3 executive directors, 5 non-executive directors, and 5 independent non-executive directors, ensuring compliance with regulations regarding independent director representation[164]. - The company has implemented a governance structure that separates the roles of the shareholders' meeting, board of directors, and supervisory committee to enhance operational efficiency and accountability[162]. - The company is committed to improving corporate governance quality by aligning with best practices and regulatory requirements, as guided by the China Banking and Insurance Regulatory Commission[162]. - The board has reviewed its compliance with laws and regulations, as well as the effectiveness of its risk management and internal control systems during the reporting period[166]. - The company has established a strategic committee and various other committees to support effective governance and decision-making processes[164]. Customer Service and Market Position - The bank's financial services for small and micro enterprises have been recognized as top-tier, maintaining a leading position in the industry[6]. - The number of personal customers (including debit and credit card customers) reached 8.7336 million, an increase of 4.51% compared to the previous year[123]. - The balance of personal deposits was CNY 213.491 billion, a growth of 15.12% from the beginning of the year, with an average interest rate of 2.54%, down 82 basis points year-on-year[124]. - The cumulative issuance of credit cards reached 3.9337 million, an increase of 63,600 cards from the beginning of the year, with credit card loan balance at CNY 21.374 billion, up CNY 3.592 billion[127]. Strategic Initiatives - The bank's strategic cooperation with local governments and enterprises has reached historical highs, supporting rural revitalization and ESG initiatives[6]. - The bank plans to implement a regional strategy focusing on deepening development in Zhejiang while expanding nationwide[9]. - The company aims to enhance its governance practices through self-assessment and continuous improvement initiatives[162]. - The company has established partnerships with 2,075 intelligent manufacturing enterprises, providing cumulative financing of RMB 706.8 billion[129].

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。 重要内容提示： 投资者可于 2023 年 3 月 24 日（星期五）17:00 前将需要了解的情况和 有关问题预先通过电子邮件的形式发送至公司投资者关系邮箱：ir@czbank.com。 公司将会于 2022 年度业绩说明会（以下简称"业绩说明会"）上在信息披露允许 的范围内就投资者普遍关注的问题进行回答。 浙商银行股份有限公司（以下简称"本公司"）将于 2023 年 3 月 28日在上 海证券交易所网站（www.sse.com.cn）披露公司 2022 年度报告。为便于广大投 资者更全面深入地了解公司 2022 年年度业绩和经营情况，本公司拟于 2023 年 3 月 28 日（星期二）15:00-16:15 召开业绩说明会，就投资者普遍关心的问题进行 交流。 一、业绩说明会类型 业绩说明会通过网络视频直播的方式召开，本公司将针对 2022 年年度业绩 和经营情况与投资者进行交流，并在信息披露允许的范围内就投资者普遍关注 的问题进行回答。 1 证券代码：601916 证券简称：浙 ...

Financial Performance - Net profit attributable to shareholders for Q3 2022 was RMB 4,563 million, a 22.43% increase compared to the same period last year[4] - The net profit attributable to shareholders was RMB 11.54 billion, reflecting a year-on-year increase of RMB 959 million or 9.07%[14] - The net profit attributable to shareholders for the first three quarters of 2022 was RMB 11,537 million, compared to RMB 10,578 million in the same period of 2021, indicating a growth of approximately 9.1%[31] - The total comprehensive income for the first three quarters of 2022 was RMB 11,535 million, compared to RMB 11,151 million in the same period of 2021, showing an increase of approximately 3.4%[33] - The bank's basic earnings per share for the first three quarters of 2022 was RMB 0.50, up from RMB 0.46 in the same period of 2021[33] Assets and Liabilities - Total assets reached RMB 2,543,151 million, an increase of 11.21% compared to the end of 2021[3] - Total liabilities increased to RMB 2,380,346 million, up by 12.29% from the previous year[3] - As of the reporting period, the total assets of the group reached RMB 2,543.15 billion, an increase of RMB 256.43 billion or 11.21% compared to the end of the previous year[14] - The total liabilities increased to RMB 2,380.35 billion, up by RMB 260.51 billion or 12.29% from the previous year[14] - As of September 30, 2022, total liabilities amounted to RMB 2,380,346 million, an increase from RMB 2,119,840 million as of December 31, 2021, representing a growth of approximately 12.3%[25] Loans and Advances - Total loans and advances amounted to RMB 1,506,280 million, reflecting an 11.80% growth year-on-year[3] - The total loans and advances amounted to RMB 1,506.28 billion, increasing by RMB 159.04 billion or 11.80% year-on-year[14] Deposits - Customer deposits rose to RMB 1,721,516 million, marking a significant increase of 21.60%[3] - The bank's deposits increased significantly, with net increase in deposits amounting to RMB 301,143 million for the first nine months of 2022, compared to RMB 24,323 million in the same period of 2021[36] Income and Expenses - Non-interest income accounted for 23.64% of total operating income, an increase of 1.66 percentage points year-on-year[4] - The net interest income was RMB 35.44 billion, an increase of RMB 4.46 billion or 14.39% year-on-year[14] - Net interest income for the period from January 1 to September 30, 2022, was RMB 35,437 million, up from RMB 30,978 million in the same period of 2021, reflecting an increase of about 14.9%[28] - Total operating income for the first nine months of 2022 reached RMB 47,717 million, an increase from RMB 40,416 million in the same period of 2021, marking a rise of about 18.5%[30] - The bank's operating expenses for the first three quarters of 2022 were RMB 33,602 million, compared to RMB 27,834 million in the same period of 2021, reflecting an increase of approximately 20.7%[30] Capital Adequacy - The bank's core tier 1 capital adequacy ratio stood at 8.05%, slightly up from 8.00% at the end of 2021[6] - The total capital adequacy ratio was 11.67%, down from 12.89% at the end of 2021[6] - The capital adequacy ratio was 11.67%, down by 1.22 percentage points from the end of the previous year[15] Non-Performing Loans - The non-performing loan balance was RMB 22.14 billion, an increase of RMB 1.47 billion or 7.12% compared to the end of the previous year[15] - The non-performing loan ratio stood at 1.47%, a decrease of 0.06 percentage points from the previous year[15] Cash Flow - The cash flow from operating activities was RMB 123.09 billion, a significant recovery from a negative cash flow of RMB 30.30 billion in the same period last year[17] - The bank's net cash inflow from operating activities for the first nine months of 2022 was RMB 445,782 million, compared to RMB 201,826 million in the same period of 2021, indicating a substantial increase[36] - The net cash flow from operating activities for the period from January 1 to September 30, 2022, was RMB 123,088 million, compared to a net outflow of RMB 30,303 million in the same period of 2021[40] - The total cash outflow from operating activities was RMB 322,694 million, compared to RMB 232,129 million in 2021[40] Investment Activities - The total cash inflow from investment activities was RMB 947,855 million, down from RMB 1,620,688 million in the previous year[43] - The net cash flow used in investment activities was RMB (72,127) million, compared to RMB (32,791) million in 2021[43] - The cash inflow from the recovery of investments was RMB 928,460 million, significantly lower than RMB 1,605,759 million in the previous year[43] Financing Activities - Cash inflow from financing activities was RMB 232,388 million, a decrease from RMB 335,412 million in the same period of 2021[46] - The net cash flow used in financing activities was RMB (64,203) million, contrasting with a net inflow of RMB 13,453 million in the previous year[46] Cash and Cash Equivalents - The cash and cash equivalents at the end of the period were RMB 79,414 million, compared to RMB 62,155 million at the end of September 2021[46] - The impact of exchange rate changes on cash and cash equivalents was RMB 1,831 million, compared to a negative impact of RMB (325) million in the previous year[46]

Financial Performance - In the first half of 2022, China Zheshang Bank reported operating income of RMB 31.74 billion, a year-on-year increase of 22.53%[14]. - The net profit attributable to shareholders for the same period was RMB 6.974 billion, reflecting a year-on-year growth of 1.80%[14]. - The company's operating income for the first half of 2022 reached RMB 31,740 million, representing a 22.53% increase compared to RMB 25,903 million in the same period of 2021[24]. - The net profit attributable to shareholders for the first half of 2022 was RMB 6,974 million, a 1.80% increase from RMB 6,851 million in the first half of 2021[24]. - The net interest margin for the first half of 2022 was 2.28%, an increase of 0.01 percentage points from 2.27% in the first half of 2021[25]. - The cost-to-income ratio improved to 23.88% in the first half of 2022, down by 1.21 percentage points from 25.09% in the same period of 2021[25]. - The company reported a non-recurring profit of RMB 39 million for the first half of 2022, after accounting for tax effects[29]. - The net interest income for the first half of 2022 was RMB 23.237 billion, up by RMB 2.859 billion or 14.03% compared to the same period last year[38]. - The non-interest income reached RMB 8.503 billion, representing a significant increase of RMB 2.978 billion or 53.90% year-on-year[38]. Asset and Liability Management - As of the end of the reporting period, total assets reached RMB 2.52 trillion, up 10.26% from the end of the previous year[14]. - Total liabilities amounted to RMB 2.36 trillion, growing by 11.47% year-on-year, with customer deposits reaching RMB 1.64 trillion, up 15.88%[14]. - The total amount of loans and advances was RMB 1.47 trillion, an increase of 9.41% compared to the end of last year[14]. - The total assets as of June 30, 2022, amounted to RMB 2,521,244 million, reflecting a 10.26% increase from RMB 2,286,723 million at the end of 2021[27]. - The total loans and advances amounted to RMB 1,474.061 billion, increasing by RMB 126.822 billion or 9.41% year-on-year[33]. - Total liabilities reached RMB 2,362.89 billion, an increase of RMB 243.05 billion or 11.47% compared to the end of the previous year[71]. - Customer deposits amounted to RMB 1,640.46 billion, up by RMB 224.76 billion or 15.88% year-over-year, with corporate deposits increasing by RMB 230.69 billion or 19.04%[72]. Loan Quality and Risk Management - The non-performing loan ratio stood at 1.49%, with a provision coverage ratio of 185.74%, indicating stable asset quality[14]. - The non-performing loan ratio as of June 30, 2022, was 1.49%, a decrease of 0.04 percentage points from 1.53% at the end of 2021[26]. - The provision coverage ratio increased to 185.74% as of June 30, 2022, up by 11.13 percentage points from 174.61% at the end of 2021[26]. - The proportion of normal loans was 95.20%, with a total of RMB 1,403.23 billion, reflecting an increase of RMB 110.44 billion from the previous year[75]. - Non-performing loans stood at RMB 219.69 billion, with a non-performing loan ratio of 1.49%, a decrease of 0.04 percentage points from the previous year[75]. - The company aims to control credit risk within a manageable range, maximizing comprehensive benefits adjusted for risk in local currency[97]. - Unified credit management is implemented for corporate clients, with comprehensive analysis and assessment of client risks and financial conditions[99]. - The company has established a credit risk management system for small and micro enterprises, focusing on standardized credit operations and risk mitigation measures[100]. Capital Adequacy and Regulatory Compliance - The capital adequacy ratio was 11.75%, with a tier 1 capital ratio of 9.64% and a core tier 1 capital ratio of 8.04%, all maintaining reasonable levels[14]. - The core Tier 1 capital adequacy ratio as of June 30, 2022, was 8.04%, a decrease of 0.09 percentage points from 8.13% at the end of 2021[28]. - The total risk-weighted assets amounted to RMB 1,596.18 billion, with a minimum capital requirement of 8.00%[89]. - The bank's leverage ratio was 4.97% as of June 30, 2022, down from 5.93% at the end of the previous year[90]. - The compliance risk management framework has been enhanced to ensure adherence to laws and regulations, with a focus on improving internal control and compliance management effectiveness[116]. Digital Transformation and Innovation - The company’s digital transformation efforts are centered around the "185N" system framework, enhancing operational efficiency across five major business segments[142]. - The company has launched a comprehensive product service system centered on customer needs, enhancing its core competitiveness across five major sectors and introducing new platforms such as the wealth management platform and mobile banking 5.0[143]. - The digital banking service system has achieved an electronic channel transaction substitution rate of 99.71%, leading the industry[149]. - The company has filed over 90 financial technology patents and published papers in top-tier conferences and international journals[147]. - The company has developed a digital RMB system and conducted pilot projects in multiple locations[144]. Shareholder and Corporate Governance - The company disclosed a total of 78 announcements for A-shares and 99 announcements for H-shares during the reporting period, ensuring equal access to information for all shareholders[168]. - The total number of issued ordinary shares was 21,268,696,778, comprising 16,714,696,778 A-shares and 4,554,000,000 H-shares[174]. - The company maintained a stable shareholding structure, with no changes in ordinary shares during the reporting period[175]. - The company actively engaged with investors through online meetings, with over 40,000 participants in the annual performance briefing[170]. - The company emphasizes board diversity, with 2 female members among 13 directors and 11 holding postgraduate degrees[167].