Financial Performance - Operating income for Q1 2024 was RMB 18,407 million, representing a year-on-year growth of 16.65%[4] - Net profit attributable to shareholders was RMB 5,913 million, up 5.12% from the previous year[4] - The bank's diluted earnings per share for Q1 2024 was RMB 0.22, a decrease of 12.00% from RMB 0.25 in Q1 2023[4] - The total comprehensive income for the group in Q1 2024 was RMB 6,295 million, compared to RMB 5,123 million in Q1 2023, representing a growth of 22.9%[29] - The net profit attributable to shareholders of the bank for Q1 2024 was RMB 5,913 million, compared to RMB 5,625 million in Q1 2023, indicating an increase of 5.1%[26] Asset and Liability Management - Total assets reached RMB 3,161,691 million, an increase of 0.57% compared to the end of 2023[4] - The total liabilities reached RMB 2,965,819 million, an increase of 0.39% compared to the end of 2023[4] - The total amount of loans and advances issued was RMB 1,726.37 billion, an increase of RMB 53.09 billion or 3.10% compared to the end of the previous year[13] - The total loans and advances amounted to RMB 1,769,460 million, reflecting a growth of 3.10% from the previous year[4] - As of March 31, 2024, total liabilities for the group reached RMB 2,965,819 million, an increase from RMB 2,954,302 million as of December 31, 2023, representing a growth of 0.04%[20] Income Composition - Non-interest income accounted for 35.80% of total operating income, an increase of 10.24 percentage points year-on-year[4] - The non-interest income reached RMB 65.89 billion, an increase of RMB 25.55 billion or 63.34% year-on-year, accounting for 35.80% of total revenue[13] - The net interest income was RMB 118.18 billion, a slight increase of RMB 0.72 billion or 0.61% year-on-year[13] - Net interest income for the group in Q1 2024 was RMB 11,818 million, compared to RMB 11,746 million in Q1 2023, reflecting an increase of 0.61%[24] Cash Flow Analysis - The net cash flow from operating activities was RMB (90,099) million, a significant decline of 136.97% compared to RMB (38,022) million in Q1 2023[4] - The cash inflow from financing activities was RMB 140,859 million, down from RMB 272,337 million in the first quarter of 2023[38] - The net cash inflow from operating activities for the group was RMB 74,930 million, a decrease from RMB 136,877 million in the same period of 2023[31] - The cash inflow from financing activities was RMB 140,859 million, down from RMB 272,337 million in the first quarter of 2023[38] - The total cash and cash equivalents at the end of the period was RMB 174,148 million, an increase from RMB 74,351 million in the same period of 2023[38] Capital Adequacy and Ratios - The core Tier 1 capital adequacy ratio stood at 8.60%, an increase from 8.22% at the end of 2023[6] - The capital adequacy ratio increased to 12.54%, up by 0.35 percentage points from the end of the previous year[13] - The liquidity coverage ratio was 147.07%, down from 166.61% at the end of 2023[8] Non-Performing Loans - The non-performing loan balance was RMB 25.32 billion, an increase of RMB 0.73 billion or 2.96% compared to the end of the previous year[13] - The non-performing loan ratio remained stable at 1.44%, unchanged from the end of the previous year[13] Equity and Shareholder Information - The bank's total equity as of March 31, 2024, was RMB 195,872 million, an increase from RMB 189,577 million as of December 31, 2023, reflecting a growth of 3.4%[22] - The bank's provision for credit losses was RMB 5,379 million in Q1 2024, compared to RMB 5,030 million in Q1 2023, reflecting an increase of 6.9%[26]

( 於中華人民共和國註冊成立的股份有限公司 ) A 股股票代碼 : 601916 H 股股票代碼 : 2016 年度報告 2023 重要提示 本公司董事會、監事會及董事、監事和高級管理人員保證年度報告內容的真實、準確、 完整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本公司第六屆董事會第十二次會議於2024年3月28日審議通過了《浙商銀行股份有限公 司2023年度報告及摘要》。本公司實有董事14名，親自出席的董事12名，張榮森先生委 託陸建強先生出席會議，高勤紅女士委託胡天高先生出席會議，出席人數符合《中華人民 共和國公司法》和本公司章程的規定。本公司6名監事列席了本次會議。 本公司審計師畢馬威華振會計師事務所（特殊普通合夥）和畢馬威會計師事務所已分別對 本公司按照中國會計準則和國際財務報告準則編製的2023年度財務報告進行了審計，並 分別出具了標準無保留意見的審計報告。 本報告除特別說明外，金額幣種為人民幣。本報告所載若干金額及百分比數字已作四捨 五入調整。任何表格中總數與金額總和間的差異均由於四捨五入所致。 本公司董事會建議派發2023年度現金股息，每10股分配現金股息人民幣1. ...

证券代码：601916 证券简称：浙商银行 公告编号：2024-017 第六届监事会第三十次会议决议公告 本公司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。 浙商银行股份有限公司（以下简称"本公司"）第六届监事会第三十次会 议于2024年4月15日发出会议通知，以书面传签方式召开，表决截止日为2024年 4月21日。本次会议应出席监事8名，实际参与书面传签表决的监事共8名。本次 会议的召开符合法律、法规、部门规章、其他规范性文件和《浙商银行股份有 限公司章程》的有关规定。 会议审议通过了以下议案： 一、通过《浙商银行股份有限公司监事会对董事会及其成员2023年度履职 情况评价报告》。 表决结果：8票赞成，0票反对，0票弃权 本议案尚需向股东大会报告。 浙商银行股份有限公司 特此公告。 二、通过《浙商银行股份有限公司监事会及其成员2023年度履职情况评价 报告》。 2024 年 4 月 22 日 表决结果：8票赞成，0票反对，0票弃权 本议案尚需向股东大会报告。 1 三、通过《浙商银行股份有限公司监事会对高级管理层及其成员2023年 ...

证券代码：601916 证券简称：浙商银行 公告编号：2024-016 浙商银行股份有限公司 关于 2024 年二级资本债券发行完毕的公告 特此公告。 浙商银行股份有限公司董事会 2024 年 4 月 19 日 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 11 月 21 日召开 的 2022 年第二次临时股东大会审议通过了《关于 2023-2025 年发行二级资本债 券的议案》。经国家金融监督管理总局和中国人民银行批准，本公司于 2024 年 4月17日在全国银行间债券市场发行总额为100亿元人民币的二级资本债券（以 下简称"本期债券"），并于 2024 年 4 月 19 日发行完毕。 本期债券发行规模为人民币 100 亿元，为 10 年期固定利率品种，在第 5 年 末附有前提条件的发行人赎回权，票面利率为 2.54%。 本期债券发行的募集资金将依据适用法律和主管部门的批准全部用于补充 本公司的二级资本，优化资本结构，促进业务稳健发展。 ...

Core Viewpoint - The banking industry is currently facing significant operational pressures, with challenges such as narrowing interest margins, intensified competition, and changing external environments being highlighted by various banks' management teams [1]. Group 1: Financial Performance - As of the end of 2023, Zheshang Bank's total assets exceeded 3 trillion yuan, reaching 3.14 trillion yuan, a year-on-year increase of 19.91% [2]. - The bank achieved an operating income of 63.704 billion yuan in 2023, up 4.29% from the previous year, and a net profit attributable to shareholders of 15.048 billion yuan, reflecting a growth of 10.50% year-on-year [2]. - Zheshang Bank is the only national joint-stock bank to report double-digit profit growth alongside revenue growth [2]. Group 2: Dividend Policy - The bank plans to distribute a cash dividend of 1.64 yuan per 10 shares, totaling 4.5 billion yuan (before tax), resulting in a dividend payout ratio of 31.98%, which is a decrease from the previous year's 37.79% [2]. - The bank's management expressed confidence in maintaining a dividend payout ratio above 30% annually in the future [3]. Group 3: Strategic Focus - Zheshang Bank has implemented a strategy focusing on "economically cyclical weak-sensitive assets," reducing the proportion of high-risk industry assets and shifting towards sustainable sectors [4]. - In 2023, the revenue from weak-sensitive assets accounted for over 33% of the bank's total revenue, an increase of nearly 9 percentage points since the strategy was introduced [4]. Group 4: Asset Quality and Risk Management - The bank completed its rectification of off-balance-sheet wealth management products ahead of schedule, with net value-based wealth management products accounting for 98.04% of its total wealth management balance by the end of 2023 [5]. - Zheshang Bank's non-performing loan (NPL) ratio was 1.44% at the end of 2023, a slight decrease of 0.03 percentage points from the previous year, while the provision coverage ratio increased to 182.60% [6].

每经记者 潘婷 每经编辑 马子卿 4月17日，浙商银行（SH601916，股价3.01元，市值826.7亿元）在深圳举办2023年度业绩发布会。浙商 银行管理层对2023年业绩表现进行解答。 ...

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。 CHINA ZHESHANG BANK CO., LTD. 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 二零二四年四月二十九日（星期一）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二零二四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 浙商銀行股份有限公司 陸建強 董事長 中國，杭州 2024年4月17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 （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 ...

Investment Rating - The report maintains an "Accumulate" rating for the company [2][5] Core Views - The company shows a strong performance with a double-digit profit growth, leading the industry. In 2023, revenue and net profit attributable to shareholders increased by 4.3% and 10.5% year-on-year, respectively [4][3] - The bank is actively expanding its balance sheet, with loans increasing by 12.6% year-on-year. New loans for the year totaled 191.2 billion, with contributions from corporate, retail, and bills at 74%, 31%, and -5% respectively [4][3] - The net interest margin is under pressure from the asset side, with a full-year net interest margin of 2.01%, down 20 basis points year-on-year. The loan yield decreased by 25 basis points year-on-year [4][3] - Asset quality remains stable, with a non-performing loan ratio at 1.44% at the end of 2023, down 1 basis point quarter-on-quarter. The provision coverage ratio remains stable at 183% [4][3] Summary by Sections Financial Performance - In 2023, the company achieved operating income of 637 billion, a year-on-year increase of 4.3%, and a net profit of 150 billion, up 10.5% year-on-year [3][4] - The net interest income increased by 1.0% year-on-year, while non-interest income saw a significant boost, particularly from investment-related gains [4][3] Loan Growth - The bank's loan growth is robust, with corporate loans growing at 14.3% and retail loans at 14.1%. The growth in retail loans is driven by mortgage and consumer loans, despite a decline in credit card loans [4][3] Asset Quality - The non-performing loan ratio is stable, with corporate non-performing loans decreasing to 1.37%. Retail non-performing loans slightly increased to 1.91%, attributed to rising risks in the post-pandemic environment [4][3] Capital Adequacy - As of the end of 2023, the core tier one, tier one, and total capital adequacy ratios were 8.22%, 9.52%, and 12.19%, respectively [4][3]

国泰君安版权所有发送给上海东方财富金融数据服务有限公司.东财接收研报邮箱.ybjieshou@eastmoney.com p1 股 票 研 究 [Table_industryInfo] 商业银行/金融 [ Table_Main[ITnafbol]e _Title] [评Tab级le_：Inv est] 增持 浙商银行(601916) 上次评级： 增持 扩表速度提升，利润增长强劲 目标价格： 3.45 公 上次预测： 4.16 ——浙商银行2023 年报业绩点评 司 当前价格： 3.00 更 刘源(分析师) 钟昌静(研究助理) 2024.04.09 新 021-38677818 010-83939787 [交Ta易bl数e_M据a rket] 报 liuyuan023804@gtjas.com zhongchangjing028678@gtjas.com 52周内股价区间（元） 2.47-3.42 告 证书编号 S0880521060001 S0880123070141 总市值（百万元） 82,394 总股本/流通A股（百万股） 27,465/21,544 本报告导读： 流通 B股/H股（百万股） 0/5,92 ...

证券代码：601916 证券简称：浙商银行 公告编号：2024-015 浙商银行股份有限公司 关于召开 2023 年度业绩说明会的公告 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。 重要内容提示： 香港业绩说明会： 境内业绩说明会： 浙商银行股份有限公司（以下简称"本公司"）已于 2024 年 3 月 28日分别 在上海证券交易所网站（ www.sse.com.cn ） 和 香 港 联交所披露易网站 （www.hkex.com.hk）披露本公司 2023 年度报告和 2023 年度业绩公告。为便于 1 召开时间：2024 年 4 月 11 日（星期四）16:00-17:30 召开地点：香港港岛香格里拉酒店 39 层天窗厅 召开方式：通过现场会议方式召开 召开时间：2024 年 4 月 11 日（星期四）16:00-17:30 召开时间：2024 年 4 月 17 日（星期三）15:30-17:30 召开方式：通过现场及网络直播方式召开，投资者可以登录全景网路演平 台观看本次业绩说明会。 网络直播地址：全景路演（https:/ ...