A 股简称:招商银行 A 股代码:600036 公告编号:2025-015 招商银行股份有限公司 监事会决议公告 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。 招商银行股份有限公司（简称本公司）于 2025 年 1 月 21 日以电子邮件方式 发出第十二届监事会第三十八次会议通知，会议于 2025 年 3 月 25 日在深圳蛇口 培训中心召开。会议由曹建监事主持，应参会监事 8 名，实际参会监事 8 名，总 有效表决票为 8 票。会议的召开符合《中华人民共和国公司法》和《招商银行股 份有限公司章程》等有关规定。 会议审议通过了以下议案： 一、审议通过了《2024 年度监事会工作报告》，同意提交本公司 2024 年度 股东大会审议。 同意：8 票 反对：0 票 弃权：0 票 二、审议通过了《2024 年度行长工作报告》。 同意：8 票 反对：0 票 弃权：0 票 三、审议通过了 2024 年度报告全文及摘要，并出具如下意见： （一）本公司 2024 年度报告的编制和审议程序符合有关法律法规、《招商银 行股份有限公司章程》和本公 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2025-014 招商银行股份有限公司 董事会决议公告 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。 招商银行股份有限公司（简称本公司、本行或招商银行）于 2025 年 1 月 21 日以电子邮件方式发出第十二届董事会第四十八次会议通知，于 3 月 25 日在深 圳蛇口培训中心召开会议。会议由缪建民董事长主持，应参会董事 14 名，实际 参会董事 14 名。本公司 8 名监事列席了会议。会议的召开符合《中华人民共和 国公司法》和《招商银行股份有限公司章程》等有关规定。 会议审议通过了以下议案： 一、审议通过了《2024 年度董事会工作报告》，同意提交本公司 2024 年度 股东大会审议。 同意：14 票 反对：0 票 弃权：0 票 二、审议通过了《2024 年度行长工作报告》。 同意：14 票 反对：0 票 弃权：0 票 三、审议通过了 2024 年度报告全文及摘要，同意将 2024 年度报告提交本公 司 2024 年度股东大会审议。 同意：14 票 反对：0 票 弃 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2025-016 一、利润分配方案内容 （一）利润分配方案的具体内容 截至 2024 年 12 月 31 日，招商银行股份有限公司（简称本公司、本行或招商 银行）母公司报表中期末未分配利润为人民币 5,593.97 亿元。本公司董事会同意 按照 2024 年度本公司经安永华明会计师事务所（特殊普通合伙）审计的中国会计 准则合并报表口径归属于本行普通股股东的净利润人民币 1,428.10 亿元的不低于 30%的比例进行现金分红，具体利润分配方案如下： 1. 根据《中华人民共和国公司法》有关规定，按照经审计的本公司 2024 年 度净利润人民币 1,391.48 亿元的 10%提取法定盈余公积人民币 139.15 亿元。 2. 根据财政部《金融企业准备金计提管理办法》有关规定，按照本公司承担 风险和损失的资产期末余额 1.5%差额计提一般准备人民币 133.23 亿元。 3. 根据国家金融监督管理总局《银行业金融机构国别风险管理办法》有关规 定，针对中等、较高、高风险国别评级的国别风险暴露计提国别风险准备人民币 0.22 亿元。 4. 根据原中国银行保险监 ...

商业银行代销业务将步入高质量发展轨道 近日，国家金融监管总局发布了《商业银行代理销售业务管理办法》（下称《办法》），该《办 法》自2025年10月1日起施行。《办法》共八章54条，主要内容包括代销业务内部管理制度、合作机构 管理、代销产品准入管理、销售管理、代销产品存续期管理、监督管理等。 应该说，《办法》的发布是为商业银行代销业务"定标立规"，划定了明确的业务"红线"，标志着我 国金融行业规范化、精细化管理又迈出了重要一步。它不仅有助于防控代销业务风险、保护消费者权 益，也为代理销售领域的未来发展指明了方向，将成为商业银行发展代销业务必须坚守的"遵循"。 其四，《办法》提出的保护消费者权益要求，对商业银行和消费者将产生同频共振效应。《办法》 的实施有助于提升金融消费者权益保护水平，因为通过强化合作机构与代销产品准入管理、明确禁止违 规行为、加强适当性管理等措施，有利于提升对金融消费者权益的保护水平，确保消费者能够安心消 费、放心消费。对于商业银行来说，新规虽在短期增加了管理难度，但也为其构建更加稳健的业务框架 和赢得客户信赖提供了绝佳机会。这将促使其从单纯追求业务规模向更加注重质量和风险控制的方向转 型，有 ...

Financial Performance - The average return on equity (ROAE) for the year reached 14.49%[12] - Total assets exceeded RMB 12 trillion, with deposits surpassing RMB 9 trillion, both growing over 10% year-on-year[12] - The bank achieved positive profit growth for the year, with a narrowing decline in revenue quarter by quarter[12] - Operating net income reached 337.12 billion yuan, and net profit attributable to shareholders grew by 1.22% year-on-year to 148.39 billion yuan[24] - The bank's operating income for 2024 was RMB 337,121 million, a decrease of 0.58% compared to RMB 339,078 million in 2023[49] - The pre-tax profit increased by 1.15% to RMB 178,652 million from RMB 176,618 million year-on-year[49] - Net profit attributable to shareholders rose by 1.22% to RMB 148,391 million, compared to RMB 146,602 million in the previous year[49] - The total operating income for 2024 was RMB 337.12 billion, a decrease of 0.58% compared to 2023[55] Asset Quality and Risk Management - The non-performing loan (NPL) ratio and provision coverage ratio remained at a competitive level among listed banks[12] - The non-performing loan ratio remained stable at 0.95%, with a provision coverage ratio of 411.98% and a loan provision ratio of 3.92%[24] - The bank is committed to enhancing risk management and addressing key area risks to prevent systemic risks[12] - The total amount of non-performing loans across all categories was RMB 65.61 billion, with a stable NPL ratio of 0.95%[110] - The company has implemented stricter credit policies, focusing on high-quality clients and enhancing risk management in key sectors[115] - The company continues to adjust its asset structure proactively, maintaining stable asset quality amid changing macroeconomic conditions[113] Capital Adequacy and Financial Stability - The core tier 1 capital adequacy ratio increased by 1.13 percentage points year-on-year to 14.86%, while the total capital adequacy ratio reached 19.05%[24] - The capital adequacy ratio increased to 19.05%, up 1.17 percentage points from the previous year[53] - The leverage ratio as of December 31, 2024, was 8.46%, up by 0.20 percentage points from the previous year[130] - The balance of loan loss provisions as of December 31, 2024, was RMB 270.301 billion, an increase of RMB 0.767 billion from the previous year, with a provision coverage ratio of 411.98%, down by 25.72 percentage points[128] Customer Base and Retail Banking - Retail customer base exceeded 200 million, with total assets under management (AUM) approaching 15 trillion yuan[14] - The total number of retail customers reached 210 million, a growth of 6.60% compared to the previous year[146] - The retail loan balance grew by 6.06% to RMB 3.58 trillion, while retail deposit balance increased by 15.43% to RMB 3.83 trillion[146] - The total assets under management (AUM) for retail customers increased by 12.05% to RMB 14.93 trillion[146] Digital Transformation and Innovation - The company launched the first open-source financial model in the domestic banking industry with 100 billion parameters, enhancing its competitive advantage[14] - The company is committed to advancing AI technology in finance, focusing on building a robust digital infrastructure and expanding its AI ecosystem[21] - The open operational service platform "Kaiyang Portal" has completed intelligent transformation for over 730 operational processes, with key business processing efficiency improving by 58.32% compared to the end of the previous year[155] - The overall availability of cloud services exceeded 99.999%, with a total of 5,942 reusable components published by the end of the reporting period[156][157][158] Strategic Focus and Future Plans - The bank's strategic focus includes deepening professional capabilities and supporting the real economy[12] - The bank's management emphasized the importance of achieving the goals set in the "14th Five-Year Plan" amid external pressures and internal challenges[12] - The bank aims to enhance its strategic execution, customer service, management, innovation, talent, and technology capabilities to strengthen its operational resilience against external uncertainties[34] - The bank plans to accelerate international development and enhance its global service capabilities through cross-border financial services[34] Non-Interest Income and Fee Structure - Non-interest income accounted for 37.33% of total income, an increase of 0.64 percentage points year-on-year[24] - The net fee and commission income was CNY 72.09 billion, a year-on-year decrease of 14.28%, representing 57.29% of non-interest income[166] - Fee and commission income totaled RMB 81.040 billion, down 12.70% year-on-year, with wealth management fees declining by 22.70% to RMB 22.005 billion[77] Environmental, Social, and Governance (ESG) Initiatives - The bank's ESG rating for 2024 was upgraded to the highest level of "AAA"[25] - The company saved 46.588 million sheets of paper and reduced carbon dioxide emissions by 419.30 tons through the promotion of electronic agreements and paperless operations[155] - The company is committed to social responsibility by enriching family trust services and promoting innovative offerings[197] Customer Engagement and Technology - Monthly active users (MAU) for the bank's apps reached 123 million, with wholesale online channel active customer count averaging 1.9494 million[31] - The company upgraded its online operations and enhanced user experience through the iteration of its wealth management app[195] - The company is focusing on value-driven customer acquisition strategies and product upgrades in the credit card business[199]

多家银行上调消费贷额度上限，部分产品最高额从 20万元增至30万元 3月25日，界面新闻了解到，近期多家银行上调了互联网消费贷款额度上限。 其中，中国银行将"中银E贷"产品的最高额度从20万元提高至30万元，将"随心智贷"产品的最高额度从 30万元提高至50万元，并将贷款期限从最长3年延长至最长5年。 工商银行将"融e借"产品的最高额度提高至30万元，贷款期限最长可达7年。 招商银行将"闪电贷"产品的最高额度从20万元提高至30万元，并将贷款期限延长至最长7年（84个月） 《通知》明确，商业银行可根据客户还款能力和风险情况，实施差异化授信。对于信用良好、有大额消 费需求的客户，个人消费贷款自主支付的金额上限可阶段性从30万元提高至50万元，个人互联网消费贷 款金额上限可阶段性从20万元提高至30万元。 在期限方面，针对有长期消费需求的客户，商业银行用于个人消费的贷款期限可阶段性由不超过 5年延 长至不超过 7 年。 业内人士认为，对于借款人来说，这些调整意味着更高的贷款额度和更长的还款期限，可以更好地满足 大额消费需求和长期资金安排。然而，最终审批的额度仍需依据借款人的信用记录、负债情况等因素综 合评定。 据 ...

Core Viewpoint - The article discusses the rapid development of commercial banks' agency sales business and the introduction of the "Administrative Measures for Agency Sales Business of Commercial Banks" to enhance regulation and protect consumer rights [1][2][12]. Group 1: Regulatory Framework - The new measures will take effect on October 1, 2025, and aim to standardize agency sales practices, reduce misleading sales, and improve customer service [1][2]. - The measures emphasize the responsibilities of banks as agency sales institutions, clarifying that they are not responsible for the investment and repayment of the sold products [2][10]. Group 2: Partner Selection and Management - Banks are required to strictly select partner institutions, limiting them to those supervised by the State Council's financial regulatory authority and holding financial licenses [3][5]. - Regular evaluations of partner institutions are mandated, with a mechanism for exiting partnerships if serious violations or risks are identified [3][5]. Group 3: Product Approval and Due Diligence - The measures require banks to establish clear standards for product approval based on customer profiles and risk tolerance, ensuring thorough due diligence on the products [4][6]. - Banks must verify the authenticity and completeness of product information and cannot rely solely on past performance metrics for approval [4][5]. Group 4: Sales Practices and Customer Suitability - Banks must establish comprehensive monitoring and management mechanisms for the entire sales process, ensuring compliance with appropriate sales practices [6][7]. - The measures highlight the importance of assessing customer suitability, particularly for vulnerable groups, and limit the frequency of assessments to prevent over-evaluation [6][7]. Group 5: Prohibited Practices - The measures outline 11 prohibited practices, including providing guarantees for products and bundling sales against customer wishes [7][8]. - Banks are required to maintain transparency and trust in their relationships with customers, addressing the issue of uniform sales practices [7][12]. Group 6: Private Fund Sales Regulations - The measures set specific entry requirements for agency sales of private fund products, ensuring that banks conduct comprehensive evaluations and obtain senior management approval [9][10]. - The regulations aim to prevent banks from engaging in channel business and ensure that private fund managers meet certain standards [9][10]. Group 7: Market Impact and Future Outlook - The introduction of these measures is expected to promote healthy development in the agency sales market, optimizing income structures and diversifying risks for banks [11][12]. - While some banks may face short-term challenges, the long-term benefits include improved quality and risk control in their operations [12].

A 股简称:招商银行 A 股代码:600036 公告编号:2025-013 招商银行股份有限公司 监事会决议公告 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。 招商银行股份有限公司（简称本公司或招商银行）于 2025 年 3 月 20 日以电子邮件方式发出第十二届监事会第三十七次会议通知， 于 3 月 24 日以书面传签方式召开会议。会议应表决监事 8 名，实际 表决监事 8 名，总有效表决票为 8 票。会议的召开符合《中华人民共 和国公司法》和《招商银行股份有限公司章程》等有关规定。 会议审议通过了以下议案： 一、审议通过了《2024 年度反洗钱与制裁合规工作报告》。 同意：8 票 反对：0 票 弃权：0 票 二、审议通过了《2024 年度并表管理工作总结及 2025 年工作计 划》。 四、审议通过了《2024 年度关联交易情况报告》。 同意：8 票 反对：0 票 弃权：0 票 1 五、审议通过了《2024 年度全行内部审计工作情况及 2025 年审 计工作计划》。 | | | 六、审议通过了《招商银行汇率风险管理办法（第 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2025-012 招商银行股份有限公司 董事会决议公告 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。 招商银行股份有限公司（简称本公司或招商银行）于 2025 年 3 月 20 日以电 子邮件方式发出第十二届董事会第四十七次会议通知，于 3 月 24 日以书面传签 方式召开会议。会议应参会董事 14 名，实际参会董事 14 名。会议的召开符合 《中华人民共和国公司法》和《招商银行股份有限公司章程》等有关规定。 会议审议通过了以下议案： 一、审议通过了《2024 年度风险偏好执行情况报告》。 | 同意：14 | | --- | | 票 | | 反对：0 | | 票 | | 弃权：0 | | 票 | 二、审议通过了《2024 年度压力测试报告》。 同意：14 票 反对：0 票 弃权：0 票 三、审议通过了《2024 年度大类资产配置工作执行情况及 2025 年配置方 案》。 同意：14 票 反对：0 票 弃权：0 票 四、审议通过了《2024 年度并表管理工作总结及 20 ...

Group 1 - The banking sector is intensifying efforts in loan businesses, particularly consumer loans, in response to government policies aimed at boosting consumption [3] - The People's Bank of China and other ministries have emphasized the importance of financial institutions in providing funding support for consumption [3] - Banks are facing pressure to increase loan offerings as their performance in recent years has not been satisfactory [3] Group 2 - Interest rates for loans, especially consumer loans, have been declining, with major banks offering rates below 4% by the end of 2023 [4][5] - Some banks, like Guangfa Bank, have introduced specific loan products with rates as low as 3.2% [4] - The trend of rates below 3% is becoming more common, with various banks offering competitive rates based on customer profiles [5] Group 3 - State-owned banks generally maintain higher interest rates, while joint-stock banks offer more flexible rates, often below 3% [6][7] - For example, Jiangsu Bank offers a promotional rate of 2.58% for new customers, while Ningbo Bank has rates starting at 2.88% [7] - Local banks are reportedly offering the lowest rates, with some as low as 2.4% for specific customer categories [9] Group 4 - The variety of loan products is expanding, with banks introducing loans for diverse consumption scenarios, including digital and green consumption [10] - For instance, China Merchants Bank offers multiple loan products tailored to different consumer needs [10] - Banks are also categorizing loans based on customer demographics, such as white-collar workers or rural residents [13] Group 5 - Loan conditions have become more flexible, allowing for differentiated credit assessments based on customer repayment capabilities [16] - The typical loan term remains short, often around one year, but banks are considering extending terms as a competitive strategy [16] - There is a need for banks to balance asset quality with competitive pricing to avoid increasing non-performing loan rates [18][17] Group 6 - The effort to boost consumption requires collaboration from various sectors and cannot solely rely on banks [19]