同时，该行充分发挥自身资源优势，为小微商户提供线上线下免费引流获客支持。线上，依托"泰隆生活"本地生活服务平台，邀请优质合作商户免费入驻， 通过社区团购、社群宣传、"有家店"视频拍摄等形式，助力商户拓宽销售渠道；线下，联合社区举办"泰隆带你逛菜场""烟火消费节""烟火公益节"等特色活 动，发放消费券补贴，吸引消费者走进商户，激活消费潜力。 值得一提的是，泰隆银行金华分行还为个体工商户推出"以旧换新"和"智能焕新"两大政策，帮助客户低成本配套经营策略。 通讯员 郭茜茜 为提振消费信心、激发民营经济活力，泰隆银行面向个体工商户和小微企业推出"烟火计划"系列政策，涵盖十项暖心服务，不仅为小店提供创业资金保障， 还通过智慧经营工具赋能、线上线下引流、品牌宣传打造、经营管理培训等，全方位助力小店实现"增效、增销、增收、增值"，为小微商户发展注入强劲动 力。 据悉，此次活动升级收单工具"泰惠收智慧经营"，针对个体工商户的不同需求，量身定制智慧餐饮与智慧零售解决方案；在知识赋能层面，通过线上线下结 合的方式，免费提供经营培训与咨询服务，"阿舅教你开小店"系列视频、行业大咖经验分享会、个体户沙龙等"融资+融智"服务接连推出， ...

浙商银行股份有限公司 会议资料 会议召开时间：2025年6月13日（星期五）14点30分 会议召开地点：中国浙江省杭州市上城区民心路1号浙商银行总行601会议室 召集人：浙商银行股份有限公司董事会 （三）浙商银行股份有限公司2024年度报告及摘要（国内准则及国际准 （一）《浙商银行股份有限公司2024年度独立董事述职报告》； （二）《浙商银行关于大股东行为评估情况的报告》； （三）《浙商银行股份有限公司监事会对董事会及其成员2024年度履职情 况评价报告》； （四）《浙商银行股份有限公司监事会及其成员2024年度履职情况评价报 告》； （五）《浙商银行股份有限公司监事会对高级管理层及其成员2024年度履 职情况评价报告》。 会议须知 为了维护全体股东的合法权益，确保股东大会顺利进行，根据《中华人民共 和国公司法》《上市公司股东会规则》《浙商银行股份有限公司章程》《浙商银 行股份有限公司股东大会议事规则》等相关规定，制定本须知。 股东参加股东大会，应认真履行其法定义务，不得侵犯其他股东的权益，不得扰 乱大会的正常秩序。 发言或提问应简明扼要，每人不超过3分钟。 发言。在进行会议表决时，股东（或代理人）不进行发言 ...

这意味着，在行业整体业绩承压的背景下，浙商银行仍实现利息净收入与归母净利润的"双升"，不仅稳 住了经营基本盘，更凸显出其穿越周期的增长韧性，其背后的经营之道值得深入剖析研究。 经营基本面持续夯实，资产负债结构稳中向优 在当前银行业普遍面临息差收窄挑战的大环境下，浙商银行围绕内控提质、资产负债结构优化和资产质 量管控多点发力，坚持"稳中求进"主基调，不断夯实运营稳健性，为中长期高质量发展持续积蓄动能， 展现出其在复杂环境下的战略定力与清晰规划。 如何在周期低位守住基本盘、借助政策窗口推进业务升级，可以说是当前经济环境下商业银行的共同命 题。 浙商银行（601916.SH/2016.HK）近期发布的2025年第一季度财报显示，截至2025年3月31日，该行实现 营收171.05亿元，利息净收入119.81亿元，同比增长1.38%；归属于母公司股东的净利润59.49亿元，同 比增长0.61%，整体经营质效稳步提升。 首先从资产端来看，报告期内，浙商银行资产总额超3.4万亿元，较上年末增长3.54%，其中发放贷款和 垫款总额达1.89万亿元，较上年末增长1.81%，主要得益于公司年内持续加大对实体经济的信贷投放力 度 ...

Core Viewpoint - Zhejiang Commercial Bank demonstrates strong operational resilience and stability in its Q1 2025 report, despite the challenging economic environment, by actively optimizing its business structure [1][2]. Financial Performance - As of March 31, 2025, the total assets of Zhejiang Commercial Bank exceeded 3.4 trillion yuan, reflecting a growth of 3.54% compared to the end of the previous year [1][2]. - The bank achieved an operating income of 17.105 billion yuan, with net interest income increasing by 1.38% year-on-year [1]. - The net profit attributable to shareholders reached 5.949 billion yuan, marking a year-on-year growth of 0.61% [1][4]. Business Strategy - The bank has shifted its focus from scale and speed to improving quality and serving the real economy, aligning with a long-termism approach [2]. - As of Q1 2025, total loans and advances amounted to 1.8907 trillion yuan, an increase of 1.81% from the previous year [2]. - Total liabilities reached 3.2373 trillion yuan, up 3.67%, with deposits increasing by 4.37% to 2.0064 trillion yuan [2]. Risk Management - The bank maintains a stable asset quality with a non-performing loan ratio of 1.38%, unchanged from the previous year, and a provision coverage ratio of 171.21% [5][6]. - The core Tier 1 capital adequacy ratio stands at 8.38%, consistent with the end of the previous year [5][6]. Digital Transformation and Customer Service - Zhejiang Commercial Bank has initiated a comprehensive reform centered on customer service, leveraging digitalization to enhance service capabilities and break down internal barriers [4]. - The bank has made significant strides in digital financial services, particularly in supply chain finance, serving over 70,000 upstream and downstream clients, with more than 75% being small and micro enterprises [4].

"不一味追求规模""不垒大户""不关注挣快钱""追求长期价值""智慧经营"…… 4月3日下午，浙商银行召开2024年度业绩说明会，针对经营战略、息差走势、非息收入、资产质量等关键问 题，该行高层团队一一作出回应。 值得关注的是，在业绩说明会前夕，浙商银行发布公告显示，提名陈海强为该行行长。在此次业绩说明会上， 陈海强以党委副书记、执行董事的身份参加。 浙商银行于2024年实现营业收入676.50亿元，归属于股东的净利润151.86亿元，分别较上年增长6.19% 、 0.92%。此次说明会上，浙商银行管理层直言，内外部挑战依然存在，只有坚持长期主义才能成功穿越周期。 谈息差："杀出"重围要靠竞争力 当前，银行业净息差已下探至历史最低水平1.52%，且未来银行业的净息差仍有下行压力。在此行业背景下， 2024年浙商银行净息差为1.71%，较上年下降30个基点，收窄幅度优于同业。 如何应对息差收窄挑战，是每一家银行领导团队的必答题。 "随着经营压力的变大，同业竞争的加剧，一家银行想'杀出重围'，一定要靠竞争力'吃饭'，背后需要强大的投 研能力支撑。"陈海强透露，近年来，浙商银行以数字化投研为抓手，成立了内部研究机构 ...

Group 1 - The core viewpoint of the article highlights the strategic shift of Zhejiang Commercial Bank towards long-term value creation, moving away from a focus on scale and quick profits [1] - In 2024, Zhejiang Commercial Bank reported a net profit of 15.19 billion yuan, a slight increase of 0.92%, while revenue grew by 6.19%, the highest among listed joint-stock banks [1] - Non-interest income for the bank increased by over 39%, contributing nearly one-third of total revenue, with investment income exceeding 11.3 billion yuan, a year-on-year growth of over 28% [1] Group 2 - The bank experienced a decline in interest income, with a net interest margin decrease of 30 basis points and a 5% drop in net interest income [2] - Fee and commission income fell by 11%, primarily due to decreased revenue from guarantee and bond underwriting services [2] - The asset quality improved, with the non-performing loan ratio dropping to 1.38%, while overdue loans increased by 21% [2] Group 3 - Recently, Zhejiang Commercial Bank faced significant shareholder reductions, with Shandong International Trust reducing its stake to 2.09% after selling 195 million shares [3] - This marks the second major shareholder reduction in six months, following a previous announcement of Hengdian Group's plan to sell approximately 275 million shares [3] - Additionally, several former executives of the bank collectively reduced their holdings by about 28,900 shares [4]