浙商银行2024年度报告

20253 28202412119 2024 2024101.56AH2024 目錄 獨立核數師報告合併損益及其他綜合收益表合併財務狀況表合併股東權益變動表合併現金流量表財務報告附註未經審計的補充財務資訊164174176178179181322釋義董事長致辭行長致辭公司基本情況公司業務概要發展戰略及核心競爭力榮譽與獎項財務概要管理層討論與分析公司治理股份變動及股東情況董事、監事、高級管理人員、員工和機構情況董事會報告監事會報告重要事項003004007010012013020022026081108121146161162 釋義 571C351% 董事長致辭 2024752024203.3 2024 202461252354,200163386 董事長致辭 2024954 2024 2024123 20 20243.320241.38%178.67% 2024 20249510 2025 公司基本情況 1.CHINA ZHESHANG BANK CO., LTD.CZBANK 2. 3.17883112001310020ir@ czbank.comwww.czbank.com9552786-571-8826896686-571-87659826 4.815 6. 7.A 601916 H2016 183171712-1716 H 9. 10. 128 11. 8202376202412 31 (www.sse.com.cn)(www.czbank.com)(www.hkex.com.hk)(www.czbank.com)1 公司業務概要 200481813A+H 2024677.026.18%151.860.92%3.335.78%1.868.21%3.125.70%1.922.87%1.38%178.67%12.61%9.61%8.38% 22362(TheBanker)2024100084AAA 發展戰略及核心競爭力 N346341+512311431143 發展戰略及核心競爭力 發展戰略及核心競爭力 123 +202430,7123,6743,925417001,300 11ESGESGESG20242,477.3721.78%1271.3766.77 1+1+N20243,554.25352.9811%12.55%2.5667.10%6,22920242,405.64197.818.96% 28.532.5523.782024190.927.2616.66% 2024307,0003,50076.030 20244038.48%1,168 202410,2052,3008210 30952024A 20245,6466,1493015695.62%10.21%24.43%33.83% 161160% 202490215 1,00017.22% 1,4239.47% 10,20510.72% 1,2969.48% 20241614,20010202445800 20241231,000 202420020 2022338620246,00060BP17%27% 榮譽與獎項 財務概要 財務概要 (1)=(2)=202367AH2022(3)=(4)=(5)=(6)2023[2023]34=(7)=140%(8)=2.1% 202412 31 管理層討論與分析 2024 2024759(GDP)134.95% 2024 2024290.51LPR5LPR3560 2024444.66.5%81.41,00033.314.7%2.33.31.5% 33,255.391,816.605.78%18,571.161,408.768.21%31,227.961,684.945.70%19,222.89536.302.87% 677.0239.386.18%451.5723.714.99%225.4563.0938.86%151.861.380.92% 1.38%0.06178.67%3.932.46%0.17 12.61%0.429.61%0.098.38%0.16 管理層討論與分析 1. 677.026.18%451.574.99%225.4538.86%219.288.78%31.16%0.73281.957.97%18.865.65%151.860.92%0.49%8.49% (1) 451.5723.714.99%66.70%1,106.974.440.40%655.4028.154.49% 1.52%291.71%303910 管理層討論與分析 (1)(2)(3)(4)(5)(6) (1)(2)(3) (2) 804.551.400.17%1.819.25%4.45%42 253.599.143.74%19.86% 管理層討論與分析 389.247.551.90%2.10%14 (1) 135.2214.9912.47% (4) 225.4563.0938.86%33.30%7.8444.875.53180.5868.62 44.875.5310.97%22.654.1610.314.049.281.48 管理層討論與分析 180.5868.6261.29% 219.2817.698.78% 281.9520.827.97%7 18.861.135.65%10.73%10 管理層討論與分析 2. (1) 33,255.391,816.605.78%18,126.841,394.128.33%10,554.51548.145.48%54.51%1.2931.74%0.09 (1) (2) 18,571.161,408.768.21% 12,495.6610.76% 管理層討論與分析 4,786.310.41% 10,554.515.48% 31,227.961,684.945.70% 19,222.89536.302.87%160.011.02%351.1213.03%2,572.6022.74%2,061.4729.22% 管理層討論與分析 1,989.03126.586.80% 17,774.151,300.37444.8894.052.40%0.35254.948.981.38%0.06 管理層討論與分析 169.9614.861.36%0.0184.985.881.78%0.13 (1) 2024 管理層討論與分析 8,134.67613.64156.171.92%0.02 管理層討論與分析 106.854.10%436.2116.75% 8 128.7559.02315.2811.48 9 (1) (1) 202342024(www.czbank.com) 管理層討論與分析 12.61%9.61%8.38%5.11% 12.61%9.60%8.35%5.02% 管理層討論與分析 1. 8,367.75 2. 1. 管理層討論與分析 2. (1) (2) 管理層討論與分析 (3) (4) 3. 7. (VaR) 4. 管理層討論與分析 90.49%333.26%3,829.38301,149.07110.31%17,954.6416,276.68 90.36%322.75%3,829.38301,186.49 5. 6. 管理層討論與分析 7. 8. 9. 管理層討論與分析 10. 11. 201812.5% 12. (CIO) I S O 2 0 0 0 0I S O 2 2 3 0 1ISO27001ISO27701 管理層討論與分析 13. 1. (1) 11,166.5420.75% 3,046.3213.03%1.4649.5124.04% 1,681.3621.97% 2,855.41 QDLP1+N1+N 管理層討論與分析 1,883.713.7% 1+N 14,53319.2%2,05011.9% 管理層討論與分析 1SOP 442.3519.51333.7728.42 (2) 13,554.25352.9811.03%73BP1.32% 202415.271.29 管理層討論與分析 2,542895.21222.041+1+N •66137.1323.758,0981,572• 2. +++2614.92%10,158.45756.008.04% 20242,732.21333.10 1,432921 管理層討論與分析 3,5007,00070,00075% 30,7123,6743,925345 3. (1) 1,3327.6%FPA5,7275.1%1,777561,458.6200.5140670 1233 (2) 102024403.4 管理層討論與分析 CFETS FICC (3) 8,0002024202419 4001301002024 (4) 20245,00049% 202420242.3840% 2024e10602024 (5) 2.5111.73%20246.377.24%25,0005,237.6820.63%20%1 管理層討論與分析 4. 20242024236180202433602024B-1801 + 1,445.7492.92%7.08%100%2,315.725.18 5. (FTU) 1,82028%1,800 CIPS2024 管理層討論與分析 20 1. ITOpenAPI41.2170350 2. 6.060• 3. 2002023 99.91% 175.52.38%54,858.284,357.5 2.029.0416.85%12,539.18125,421.43 管理層討論與分析 6.0722.6818.83%12,972.6910,193.32 7*24 383.2516.41%96.93%248.1192.51%99.81%135.1499.76%4.72134.61% AI++661.1373.37% +2,005846.8735,051.35 &&& 616 2018+ 708.01273.1738.58%332.6046.98%6.90 管理層討論與分析 1. (1) 4051%20171 183 5+210 278783.2778.3710.34 (2) 20251 2420 2. 管理層討論與分析 2025 2025 公司治理 2024 11143698411285 20246 1220232024892024 公司治理 1. 123453.10(2) 2. 公司治理 121114 202412311.227:1202412 31 3. A.2.1 4. (a)(b)3.13(c)(d)(e)(f)(g) 公司治理 5. 14410 2021-202520232023202320232023202320232023202420232023202320242023202320232023202320232023202320242023 202320242024202320232024202320242023 公司治理 6. 2024 (1)(2)(3)(4) 7. ESG 2024 公司治理 8. 5 412 3.133.13 9. 20241231 20241231 10. 公司治理 6 1. 7 (ESG)ESGESG 202