浙商银行：2021年年度报告

二〇二一年度报告 A股股票代码 ：601916 20223 29202113128 2021 2021 “” 目录 释义党委书记致辞行长致辞公司基本情况公司业务概要发展战略及核心竞争力荣誉与奖项财务概要主要财务数据及指标管理层讨论与分析公司治理股份变动及股东情况董事、监事、高级管理人员、员工和机构情况董事会报告监事会报告重要事项003004005006008009011012014017065088099117127128 备查文件目录财务报告131132 571 51% 党委书记致辞 2021“”“”“”“”“”“” 3.9“”“”26“”“” “”(2021-2025)250“1+5+N”“” “”“” 2022“”“”“”“” 2022 20223 29 2021“”“”“”202122,86711.6%544.726.714.2% “”“”“”“”“”“”“”“”202115BPS2,0001,50018% “”“”2021“”7,600“”“”“”2021FPA“” “”21“”“”“”“”“” “”“”“”“”“”“”202190 2022“”“” 20223 29 公司基本情况 1.CHINA ZHESHANG BANK CO., LTD.CZBANK2.3.1788311200288310006ir@czbank.comwww.czbank.com9552786-571-8826896686-571-876598264.8155.6.7.A601916H2016CZB 17USDPREF4610 8.A188H183171712-17169.10.12810811.(www.sse.com.cn)(www.czbank.com)(www.hkex.com.hk)(www.czbank.com)28812.A8201911262021123113.91330000761336668HB0010H1330100012004726 公司业务概要 20048182016330“2016.HK”20191126“601916”13“A+H” “”“”“”“” 21288 2021544.7114.19%126.482.75%2.2911.64%1.3512.49%2.1210.66%1.425.99%1.53%174.61%12.89%10.80%8.13% “” “” “”“” “”“” “” ྏࣩᆚ৯ނࠣᅚᅞ੻ؿ “”“” “”“00” 财务概要 (1)“”(2)=(3)92010(4)=(5)=(6)=(7)=(8)=140%(9)=2.1% 202112 31 2021“” 2021“”(GDP)114.48.1% 20212.2150.252021M29%10.3%198.511.3%238.69.3%M2 2021344.767.8%315.287.6%202119.124.9%2.182.851.73% ৘Ҫษંაٳ༅ 22,867.232,384.9811.64%13,472.391,495.4112.49%21,198.402,041.5810.66%14,157.05800.695.99% 544.7167.6814.19%419.5248.5713.09%125.1919.1118.01%126.483.392.75% 1.53%0.11174.61%16.402.68%0.04 12.89%0.0410.80%0.928.13%0.62 1. 2021“”2021126.482.75%0.60%9.83%544.7114.19%419.5213.09%125.1918.01%137.8411.30%25.31%0.65248.3123.13%20.6514.47% ৘Ҫษંაٳ༅ (1) 2021419.5248.5713.09%77.02%927.5765.337.58%508.0516.763.41%2.07%2.27%0.08 (1)(2)(3)(4)(5)(6) ৘Ҫษંაٳ༅ (1)(2)(3) 699.3856.258.75% (1) 192.5911.646.43% 15.922.2412.33% 338.8614.003.97% (1) ৘Ҫษંაٳ༅ 67.2521.0045.41% 84.5319.4529.89% (4) 2021125.1919.1118.01%40.502.0084.6921.11 7.6612.38 ৘Ҫษંაٳ༅ (7) 20.652.6114.47%13.78%“39” 2. 2021“”“” 22,867.232,384.9811.64%13,118.891,460.1412.52%6,518.221,234.3723.36%57.37%0.4528.50%2.70 (1) (2) ৘Ҫษંაٳ༅ 13,118.891,460.1412.52% 8,829.9012.05% 788.557.89% 3,814.9414.53% 6,518.2223.36% ৘Ҫษંაٳ༅ 21,198.402,041.5810.66% 14,157.05800.695.99%1,465.2613.76%675.9226.71%934.2110.92%1,723.5537.24% 1 , 6 4 1 . 6 93 3 6 . 5 725.79%“” 1 12,927.891,364.4295.96%298.8390.132.22%206.6736.221.53%0.11 165.8119.411.88%0.0240.8616.871.07%0.35 (1) 2021 ৘Ҫษંაٳ༅ 44.52%5,998.67688.3459.130.99%0.21 6 39.602.04%295.8715.22%2.19% 224.167.5790172.5022.00 8.352.7230.860.41 9.740.749.00 (1) (1) 1 2 . 8 9 %1 0 . 8 0 %8.13%5.93% 1 2 . 8 7 %1 0 . 8 1 %8.08%5.84% 1. 7,356.46“” 2. ৘Ҫษંაٳ༅ 1. “”“”“”“” 2. (1) ৘Ҫษંაٳ༅ (2) (3) (4) 3. “7.” (VaR) ৘Ҫษંაٳ༅ 4. 54.28%165.77%2,543.79301,534.54106.52%12,714.1511,936.41 54.36%163.50%2,543.79301,555.87 5. “” “” ৘Ҫษંაٳ༅ 6. 7. 8. 9. ৘Ҫษંაٳ༅ “”“” 10. “”“” 11. I S O 2 0 0 0 0I S O 2 2 3 0 1ISO27001 “”“+++”8040“”“” ৘Ҫษંაٳ༅ 12. 2021“”“” 1. (1) 127.9421.49%145.82%835.655,244.6560010,4001,559.48 1,854.528BPS 2,118.1916.50%“”“e”64.471,883.67847.63“” “”“”“”“”“”1,716.3341163.53%224.36%74.92%42.30%“+” “”“7×24” ৘Ҫษંაٳ༅ “”“” 387.067.82177.834.65120.3213.83626.0311.858.21 (2) “”19812,365.53344.7117.06%4.6310.58“”23BPS0.92%2021 1,186.6960%603 “”75%95%90%1.96 12021“”“” 2. (1) “” 12,114.771,465.267,5085271-1220.27BPS“”“”“”7,600 1 , 9 6 018.13%201%552.2351.15%2,1616,042“”1,2505213“1,000” 2040020214007,60075% “”╱“” ৘Ҫษંაٳ༅ 2,182 “”“”“”824“”374 “”“”“”FT560 3. (1) 3,450.4951.2631.632.4979.30 “2021”“ABS”“ABS” (2) FICC 20212020 20212020 2021202020202021 ৘Ҫษંაٳ༅ (3) “” “”“” 5575,24160.07“” (4) “”2020“”“”“”“”“” 3 2.984.26%40018,119193.5187385.80% (5) 1.72702,000534.87 4. (1) “”2021“”“B-901”“” “”“”“”“+”2,450.9296.37%3.63%1,802.7473.55%8,596.745.29 ৘Ҫษંაٳ༅ (2) “”“”“” 2749.22“” 1116.248.540“”“” 5. 20218“”“”14811729327 1 “”(2021-2025)π2.0“‘’”“” 1. “‘’”“12345” 2. E3.9 3. RPAOCRNLP30015 ৘Ҫษંაٳ༅ 4. “50”“”“” 5. (OKR) 2021804050“”“”20 99.70% 156.885.25%5.543,733.5121,291.39 18.0913.67%11.5818.44%8,425.07151,252.15 5.0457.7913.38%112.393.85%9,813.0522,600.24 ৘Ҫษંაٳ༅ “”7×24 184.41120.2292.78%99.86%59.45100% e 7×247×242841,649 20182021“”“” 537.66150.6528.02%149.1227.73%3.06 1. “”)51% 20171 183 “”“” “”“”AAA 2021123040 146437.6555.4120216.00 ৘Ҫษંაٳ༅ 2022“”“”“”“”“”“”“” 2022 2022“”“” 20212020-2022 13A1H1163410631 202115202120216302020202171520212021112320212021A2021H 1. 154473.10(2) ඳᇍ৘܄ 2. 152135 3. D.3.1202211A.2.1 4. 16412 202020202020202020212020202020212021202020212020202020202020202020202020202120202020202020212020202020212021-2025202120222024 5. 2021 (1)(2)(3)“”(4) “”2021 2021 7. 7 3.133.13 8. 20211231 20211231 ඳᇍ৘܄ 9. “” 6 1. 7 20202020202120202021-2025 2. 4 202020202020202120202020202020202021 3. 3 202020202020202020212020202020212021-202320202021 4. 3 “” 20202020202020202021 5.