2025年10月31日，浙商银行2025年第三季度业绩说明会在全景网顺利举行。出席本次业绩说明会的人员 有党委委员、副行长、董事会秘书骆峰、独立董事许永斌、行长助理、首席风险官潘华枫、行长助理侯 波。 根据全景数据后台统计，在今天的交流过程中，来自全国多个省、市地区的投资者共向上市公司提问9 个，公司嘉宾共回答问题8个，答复率88.89%，充分实现了上市公司与投资者的良好互动。 以下为业绩说明会问答实录： 回答：公司暂未回复。 2、问：面对行业"低增长、低息差"的持续挑战，贵行前三季度延续营收和净利润同比负增长，想请教 管理层主要受哪些因素影响？三季度息差收窄幅度相较不错，资产负债端是如何改善的？如何判断未来 走势？【征集问题】 回答： 尊敬的投资者，您好！2025年前三季度，我行实现营业收入489.3亿元，归母净利润116.7亿元， 同比分别下降6.8%和9.6%，整体符合年初既定的"巩固成果、夯实基础、优化结构"经营思路，也符合 当前形势下我行高质量发展需要的预算目标。 前三季度经营主要受以下几个因素影响：一是净息差仍 然处在下行通道，前三季度我行净息差1.67%，同比下降13个基点，利息净收入344.4 ...

格隆汇11月3日｜浙商银行在业绩说明会上表示，不断加强对消费领域的金融支持。我行将持续加大消 费信贷投放力度，优先支持汽车、家电、家居、旅游、教育、文化等重点消费领域，加大消费品以旧换 新、新型消费的支持力度。充分利用好我行"云信贷"、"云闪贷"、"扬帆贷"、"购车易贷"等产品组合， 针对不同消费者提供量身定制的信贷服务，全力满足消费者多样化的融资需求，助力消费增长潜能的释 放。 ...

2024年，全市实现服务业增加值3809.4亿元，同比增长5.7%，占GDP比重达48.8%。今年三季度，服务 业增加值增长6.4%，高于GDP增速0.9个百分点，占GDP比重进一步提升到50.8%，成为全市经济"第一 大板块"。截至2024年末，全市规模以上服务业企业达1734家，较"十三五"末新增857家。作为吸纳就业 的主渠道，服务业吸纳了全市近50%的就业人口，成为富民增收、稳定社会的重要基石。 "十四五"时期，是扬州服务业承压前行、稳中提质、蓄势蝶变的关键五年。面对复杂多变的外部环境和 疫情等多重挑战，扬州坚持以高质量发展为主题，深入实施现代服务业同先进制造业、现代农业深度融 合战略，加快构建"9+6"服务业发展体系，交出了一份产业规模持续壮大、结构优化成效显著、发展动 能加速转换的亮眼答卷，为扬州奋力冲刺"万亿之城"、高水平建设"三个名城"提供了坚实支撑。 产业规模稳中有进 主引擎作用更加凸显 "十四五"期间，扬州服务业展现出强大的发展韧性和活力，经济"主引擎"作用更加凸显。 政策体系逐步健全，先后出台现代服务业"三计划""两工程"实施方案、《扬州市生产性服务业十年倍增 计划》，特别是2024年出 ...

Core Viewpoint - Yangzhou Bank, as a state-owned financial institution, is committed to serving the real economy and actively responds to national policies aimed at stabilizing the economy and promoting development, injecting strong momentum into regional economic high-quality development through innovative financial products and services [1] Policy Guidance - Yangzhou Bank aligns with national strategic directions by developing specialized financial service plans that focus on key sectors such as manufacturing, green industries, and rural revitalization, achieving a manufacturing loan balance of 17.7 billion yuan and a green credit scale exceeding 18 billion yuan [2] - The establishment of an "entity economy service special class" and a "one enterprise, one policy" mechanism allows for customized financing solutions for leading enterprises and specialized small giants in local industries [2] Support for Small and Micro Enterprises - Yangzhou Bank has issued loans totaling nearly 18 billion yuan to over 9,000 small and micro enterprises, significantly contributing to employment by supporting more than 50,000 jobs [3] - The bank's rapid response to a food processing enterprise's financial difficulties exemplifies its commitment to providing timely and favorable financial solutions, with a loan processed in just two days at a rate 0.5 percentage points lower than the market [3] Innovation and Technology - The bank leverages data and technology to enhance financial services, introducing products like "Yangfan Loan" that have helped over 800 enterprises address financing challenges [4] - The "industrial chain finance" model has facilitated 250 million yuan in credit for an automotive parts industry cluster, promoting collaborative development among numerous supporting enterprises [4] Social Responsibility - Yangzhou Bank actively engages in community service through financial literacy programs and has invested 4.2 billion yuan in major projects such as affordable housing and community renovations [5][6] - The bank has implemented "age-friendly" services and improved social security service efficiency through partnerships with local health insurance agencies [6]