招商银行 2022 年度业绩交流会 问答环节实录 （根据录音整理） 会议时间：2023 年 3 月 27 日 9:30-11:35（北京时间） 会议方式：现场会议+线上语音直播 招商银行出席人员： 主席台就座人员：缪建民董事长，王良行长兼首席执行官、董事 会秘书，朱江涛副行长兼首席风险官，彭家文行长助理兼财务负责人 现场及线上参会人员：周松董事、洪小源董事、张健董事、李孟 刚独立董事，以及招商银行相关部门负责人 1 我们知道是来源于《道德经》，如果引用到招行这边，能不能帮我们 解解惑，解释一下这个表述背后的含义，谢谢。 【缪建民董事长】：感谢你的提问，今年 1 月我们公布 2022 年快 报的时候你们做了分析，我认真看了，印象很深。你们说招行"Steady and solid, as always"，写得很好，你的问题也提得很好。 商业银行的业务简单来说分两类：一类是消耗资本、承担信用风 险或市场风险的表内业务，主要是贷款、自营的金融投资；另一类是 不消耗资本、不承担信用风险或市场风险的业务，主要是表外的财富 管理，当然还有一部分其他的收费型业务。消耗资本承担信用风险或 市场风险的表内业务赚的是净利息收入和资 ...

招商银行 2023 年中期业绩交流会 问答环节实录 （根据录音整理） 会议时间：2023 年 8 月 28 日 9:30-11:45（北京时间） 会议方式：现场+视频会议 招商银行出席人员： 主席台就座人员：王良行长、朱江涛副行长、钟德胜行长助理、 王颖行长助理、彭家文行长助理兼董事会秘书 现场及线上其他参会人员：王仕雄独立董事、田宏启独立董事和 李朝鲜独立董事，以及总行相关部门负责人 会议主持：招商银行证券事务代表、董事会办公室主任夏样芳 外部参会人员：境内外投资者、分析师共 1295 人次 2008年之后活得比较好。您觉得是否放缓资产增长速度是更加合理的 选择，未来是不是更加有利？ 【王良行长】：谢谢徐总的问题，您关注到今年贷款的增长。从 整个银行业来说，上半年贷款的增长速度非常快，达到了16万亿的增 长总量，速度也是创了新高。但确实出现了一些非理性的状况，就是 您所说的混乱的局面，有些时候出现贷款的定价甚至低于存款的定价， 银行的贷款利率快速下行导致利差快速的收窄，这些都是客观存在的 现象。 对招行来说，我们上半年在资产组织方面取得了非常好的成效， 贷款累计增长超过3000亿。我们继续加大债券类资产的配 ...

招商银行出席人员：王良行长、汪建中副行长、李德林副行长、朱江 涛副行长、钟德胜行长助理以及总行相关部门负责人 会议主持：招商银行证券事务代表、董事会办公室主任夏样芳 外部参会人员：境内外投资者、分析师共 3654 人次 招商银行 2022 年中期业绩交流会 问答环节实录 （根据录音整理） 会议时间：2022 年 8 月 22 日 9:30-11:45（北京时间） 会议方式：视频直播 记录人：招商银行董事会办公室投资者关系管理团队 【问题 1】：非常感谢给我第一个提问的机会。今年这么复杂的环境 里，贵行能取得双位数的利润增长是非常好的业绩。我想问一下，现在对 宏观经济形势看得都不是很乐观，请行领导讲一下对宏观经济形势怎么判 断？银行业面临有效需求不足的挑战，招行上半年零售贷款增长较慢，请 问下半年是否还会很慢？招行是否会逐渐变成一家对公业务上升比较高的 银行？ 【王良行长】：谢谢您的问题。上半年招商银行和其他的银行同业一 样，确实面临着非常复杂、严峻的外部经营环境，最直接的冲击和影响就 是疫情，尤其上海在二季度暴发疫情对银行形成了比较大的冲击，对各项 业务的发展都带来巨大的困难和挑战。同时，为了对冲经济下行，货 ...

招商银行股份有限公司 2022年度业绩摘要 前瞻性陈述免责声明 本演示稿及后续讨论可能包含涉及风险和不确定因素的前瞻性声明。这些声明通常使用"相信""预 计""预期""估计""计划""预测""目标""可能""将"等前瞻性术语表述或者可能表述为可能或预 期将于未来发生的行动的结果。阁下不应过分依赖此等仅适用于本演示稿发表日的前瞻性声明。这些前瞻性声 明的依据是我们自己的信息和来自我们认为可靠的其他来源的信息。该等前瞻性声明与日后事件或本行日后财 务、业务或其他表现有关，并受若干可能会导致实际结果出现重大差异的不明确因素的影响。 备注： 1.本材料中，除特别注明外，财务指标采用本集团口径数据，业务指标采用本公司口径数据。 2.部分2022年财务数据经过追溯调整。 3.除特别注明外，本材料数据均为国际会计准则（IFRS）数据，货币币种均为人民币。 4.部分数据存在四舍五入。 2 目 录 1、业绩概览 2、经营信息 3、展望与策略 3 1 业绩概览 有效应对各项挑战，经营效益稳中向好 （单位：亿元） 3,314.07 3,447.40 2021 2022 4.02% 营收增速保持平稳 1.36% 1.42% 16.9 ...

A 股简称:招商银行 A 股代码:600036 公告编号:2023-063 一、审议通过了《招商银行高级管理人员履职评价办法》。 同意：9 票 反对：0 票 弃权：0 票 二、审议通过了《招商银行高级管理人员离任审计办法（2023 年 修订版）》。 同意：9 票 反对：0 票 弃权：0 票 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 2023 年 11 月 3 日以电子邮件方式发出第十二届监事会第二十二次会议通知，于 11 月 7 日在招商银行总行大厦召开会议。经全体监事一致推举，由 蔡进监事主持会议。会议应表决监事 9 名，实际表决监事 9 名，总有 效表决票为 9 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： 特此公告。 招商银行股份有限公司监事会 2023 年 11 月 7 日 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2023-062 王颖女士和彭家文先生担任本公司副行长的任期自核准日2023年11 月1日起生效，至本公司第十二届董事会届满之日止。王颖女士和彭家文 先生的简历及相关信息请参阅本公司刊登在上海证券交易所网站 （www.sse.com.cn）和本公司网站（www.cmbchina.com）日期为2023年9 月19日的董事会决议公告。 特此公告。 招商银行股份有限公司董事会 2023 年 11 月 3 日 关于副行长任职资格核准的公告 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）收到《国家金融 监督管理总局关于招商银行王颖任职资格的批复》（金复〔2023〕413号） 和《国家金融监督管理总局关于招商银行彭家文任职资格的批复》（金 复〔2023〕414号）。根据上述批复，王颖女士和彭家文先生招商银行副 行长的任职资格已获得核准。 招商银行股份有限公司 ...

Capital Adequacy and Financial Ratios - As of September 30, 2023, the core Tier 1 capital adequacy ratio was 12.86%, down 0.37 percentage points from the end of 2022[6] - The return on risk-adjusted capital (RAROC) was 27.86%, maintaining a high level[6] - The core tier 1 capital adequacy ratio as of September 30, 2023, was 13.37%, a decrease of 0.31 percentage points from the end of 2022[37] - The average return on total assets (ROAA) was 1.46%, down 0.04 percentage points year-on-year[63] - The average return on equity (ROAE) was 17.38%, a decrease of 0.84 percentage points compared to the previous year[63] - The provision coverage ratio was 468.96%, up 1.53 percentage points from the end of the previous year[124] - The loan provision ratio stood at 4.39% at the end of the reporting period[124] Customer and Asset Growth - The number of retail customers reached 194 million, an increase of 5.43% compared to the end of 2022[13] - The total assets under management (AUM) for retail customers amounted to RMB 13,080.39 billion, reflecting a growth of 7.90% from the end of 2022[13] - The number of high-net-worth clients (with average total assets of RMB 500,000 or more) increased to 4.5292 million, up 9.31% year-on-year[13] - The total asset management scale of subsidiaries, including CMB Wealth Management and CMB Fund, reached RMB 4.53 trillion, a growth of 2.72% from the end of 2022[14] - The total assets of the company reached RMB 10,668.01 billion, up from RMB 10,138.91 billion at the end of 2022[17] - Total assets as of September 30, 2023, reached RMB 10,668,009 million, an increase of 5.22% compared to the end of 2022[30] - The total assets of the group reached CNY 10,668.009 billion, growing by 5.22% compared to the end of the previous year[66] Profitability and Income - The net profit attributable to shareholders for the first three quarters of 2023 was RMB 80.12 billion, representing a year-on-year increase of 6.5%[6] - The bank's net profit attributable to shareholders increased to RMB 560,687 million, up from RMB 492,971 million, indicating a growth of 13.75%[20] - Net profit attributable to shareholders for the first nine months of 2023 was RMB 113,890 million, a year-on-year increase of 6.52%[40] - The company reported a net interest income of RMB 162,286 million for the first nine months of 2023, remaining stable compared to the previous year[40] - Total operating income for the first nine months of 2023 was RMB 260,279 million, a slight decrease of 1.72% year-on-year[40] - The total profit for the first nine months of 2023 was RMB 122,777 million, an increase from RMB 117,895 million in the same period of 2022[100] Loans and Advances - The loan balance stood at RMB 6,194.12 billion, an increase from RMB 5,807.15 billion at the end of 2022[17] - The total loans and advances amounted to CNY 6,455.546 billion, reflecting a growth of 6.68% year-on-year[66] - The retail loan segment accounted for 54.53% of the total loan balance, with a retail NPL balance of RMB 28.55 billion and an NPL ratio of 0.86%[92] - The company generated new NPLs amounting to RMB 45.50 billion during the reporting period, with an annualized NPL generation rate of 1.03%, a decrease of 0.10 percentage points year-on-year[96] - The company’s total loan balance in the manufacturing sector was RMB 521.35 billion, with an NPL ratio of 0.69%[92] Customer Deposits and Liabilities - Customer deposits rose to RMB 8,057,712 million, up from RMB 7,590,579 million, marking an increase of 6.16%[20] - The bank's total liabilities decreased in the category of interbank and other financial institutions' deposits to RMB 474,564 million from RMB 645,674 million, a decrease of 26.49%[20] - The group's total liabilities were CNY 9,646.670 billion, up 5.03% from the previous year, mainly due to an increase in customer deposits[82] - The net increase in customer deposits for the first nine months of 2023 was RMB 444,750 million, a significant decrease from RMB 742,989 million in the same period of 2022[104] Cash Flow and Investments - Net cash flow from operating activities for the first nine months of 2023 decreased by 63.38% year-on-year to RMB 53,648 million, primarily due to a reduction in net customer deposits[31] - Cash outflow from operating activities totaled RMB 787,494 million in the first nine months of 2023, compared to RMB 1,000,304 million in 2022, reflecting a decrease of approximately 21.3%[113] - Investment activities generated a net cash outflow of RMB 191,954 million in the first nine months of 2023, compared to RMB 273,196 million in the same period of 2022[104] - The total cash and cash equivalents at the end of September 2023 stood at RMB 383,104 million, compared to RMB 340,433 million at the end of September 2022, showing an increase of about 12.5%[115] Risk Management and Economic Outlook - The company plans to enhance risk management in key sectors and improve asset quality amid economic uncertainties[35] - The company plans to continue supporting housing demand and enhancing risk management in the real estate sector amid ongoing market changes[85] - The NPL ratio for the real estate sector increased to 5.31%, reflecting the impact of high-debt real estate companies and operational challenges faced by certain clients[91]

A 股简称:招商银行 A 股代码:600036 公告编号:2023-060 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 2023 年 10 月 13 日以 电子邮件方式发出第十二届监事会第二十一次会议通知，于 10 月 27 日以书面传 签方式召开会议。会议应表决监事 9 名，实际表决监事 9 名，总有效表决票为 9 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 2023 年第三季度报告，并出具如下意见： 1．本公司 2023 年第三季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》和本公司相关内部管理制度的规定； 2．本公司 2023 年第三季度报告的内容与格式符合中国证监会和证券交易所 的相关规定，真实、准确、完整地反映了本公司报告期内的经营管理情况和财务 状况； 3．截至本意见出具前，未发现参与 2023 年第三季度报告编制和审议 ...

Financial Performance - For the first nine months of 2023, the group achieved a net operating income of CNY 260.231 billion, a year-on-year decrease of 1.74%[1] - The net profit attributable to shareholders was CNY 113.890 billion, reflecting a year-on-year growth of 6.52%[1] - The non-interest net income amounted to CNY 97.945 billion, down 4.64% year-on-year[1] - The company's net interest income for the first nine months of 2023 was CNY 162.286 billion, a year-on-year increase of 0.10%, accounting for 62.36% of total operating income[19] - The net profit attributable to shareholders for the third quarter of 2023 was RMB 38.14 billion, representing a year-on-year increase of 1.70%[52] - The net income for the first nine months of 2023 was RMB 113.89 billion, showing a year-on-year increase of 6.52%[52] - The net interest income for the third quarter was RMB 81.77 billion, down 4.66% compared to the same quarter last year[52] - The total operating income for the first nine months of 2023 is RMB 258.13 million, slightly down from RMB 263.12 million in the same period of 2022, a decrease of 1.1%[91] Asset Quality and Loans - As of the end of the reporting period, the group had a non-performing loan balance of CNY 61.794 billion, an increase of CNY 3.790 billion compared to the end of the previous year[2] - The non-performing loan ratio remained stable at 0.96% compared to the end of the previous year[2] - The real estate loan balance was CNY 299.543 billion, a decrease of CNY 34.172 billion from the end of the previous year, representing 4.92% of total loans[11] - The real estate sector's non-performing loan ratio increased to 5.31%, up 1.32 percentage points from the end of the previous year[11] - The company's total loan and advance balance reached CNY 609.394 billion, with a non-performing loan balance of CNY 5.699 billion, resulting in a non-performing loan ratio of 0.94%[14] - The company's retail non-performing loan balance was CNY 28.548 billion, an increase of CNY 539 million compared to the end of last year, with a non-performing loan ratio of 0.86%[16] - The company's attention to loan quality has resulted in a decrease in the balance and proportion of attention loans, with a total attention loan balance of CNY 65.196 billion, down CNY 8.274 billion from the end of last year[13] - The company generated new non-performing loans of RMB 45.495 billion, a year-on-year decrease of RMB 0.674 billion, with a non-performing loan generation rate of 1.03%, down 0.10 percentage points year-on-year[69] Customer Deposits and Liabilities - Total liabilities reached CNY 9,646.670 billion, a growth of 5.03% year-on-year, primarily driven by an increase in customer deposits[8] - Customer deposits totaled CNY 7,980.492 billion, up 5.90% year-on-year, accounting for 82.73% of total liabilities[8] - The average interest expense for customer deposits was RMB 95.266 billion, with a cost rate of 1.62% for the first nine months of 2023[20] - The bank's total liabilities as of September 30, 2023, amount to RMB 9,646.67 million, an increase from RMB 9,184.67 million at the end of last year[94] Equity and Capital Adequacy - The group’s equity attributable to shareholders was CNY 1,012.235 billion, an increase of 7.06% from the end of the previous year[9] - The company's capital adequacy ratio was 17.38%, down 0.39 percentage points from the end of the previous year[73] - The core tier 1 capital adequacy ratio was 13.37%, a decrease of 0.31 percentage points year-on-year[73] - The core Tier 1 capital adequacy ratio under the advanced approach is 13.37%, down 0.31 percentage points from the end of last year[83] Cash Flow and Investment Activities - The net cash flow from operating activities for the first nine months of 2023 was RMB 53.65 billion, a decrease of 63.38% compared to the same period last year[52] - Cash received from investment activities for the first nine months of 2023 was 924,638 million, up from 584,567 million in the same period of 2022, representing a 58.2% increase[113] - Cash received from financing activities decreased to (36,060) million in 2023 compared to (269,872) million in 2022, showing a significant improvement in cash management[113] - Cash flow from investment activities included cash received from investment income of 72,381 million, up from 59,599 million in 2022, a 21.5% increase[113] Risk Management and Strategy - The company plans to enhance financial support for housing rentals and maintain overall stability in real estate asset quality[12] - The company's focus on risk management includes strict monitoring of project risks and the differentiation of subsidiary and group risks[12] - The company aims to strengthen risk management and improve the quality of real estate assets amid a changing market environment[12] - The bank plans to enhance risk management in key sectors and improve asset quality through targeted strategies[81] Shareholder Information - The total number of ordinary shareholders as of the report date was 593,295, all of whom are unrestricted shareholders[44] - The largest shareholder, Hong Kong Central Clearing (Agent), held 4,553,984,238 shares, accounting for 18.06% of the total share capital[54] - The second-largest shareholder, China Merchants Shipping Company, held 3,289,470,337 shares, representing 13.04% of the total share capital[54] - The total number of preferred shareholders was 16, all of whom were domestic shareholders, with no restoration of voting rights reported for the preferred shares[56]

A 股简称：招商银行 A 股代码：600036 公告编号：2023-059 招商银行股份有限公司 关于副行长任职资格核准的公告 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）收到《国家金融 监督管理总局关于招商银行钟德胜任职资格的批复》（金复〔2023〕382 号）。根据上述批复，钟德胜先生招商银行副行长的任职资格已获得核 准。 钟德胜先生担任本公司副行长的任期自核准日2023年10月24日起生 效，至本公司第十二届董事会届满之日止。 钟德胜先生的简历如下： 钟德胜先生，1967年7月出生，本公司副行长，华中理工大学外国经 济思想史硕士研究生学历，高级经济师。钟德胜先生1993年7月加入本公 司，历任武汉分行行长助理、武汉分行副行长、总行国际业务部总经理、 总行贸易金融部总经理、总行离岸金融中心总经理、广州分行行长、总 行公司金融总部总裁兼战略客户部总经理、本公司行长助理。兼任招银 金融租赁有限公司董事长。 特此公告。 招商银行股份有限公司董事会 2023 年 10 月 25 日 ...