A 股简称：招商银行 A 股代码：600036 公告编号：2023-058 重要内容提示： 中文：https://webcasting.bizconfstreaming.com/live/watch/od1ze6eo 英文：https://webcasting.bizconfstreaming.com/live/watch/m3jxzkno 投资者可将相关问题通过电子邮件方式发送至招商银行股份有限公司（简称本公 司 ） 2023 年 第 三 季 度 业 绩 说 明 会 （ 简 称 业 绩 说 明 会 ） 问 题 收 集 邮 箱 ： cmbir@cmbchina.com。邮件收取截止时间为北京时间2023年10月30日（星期一）上午 10:00。本公司将于业绩说明会上对投资者普遍关注的问题进行回答。 一、业绩说明会类型 为了便于广大投资者更全面深入地了解本公司2023年第三季度业绩和经营情况， 本公司拟通过网络直播方式召开业绩说明会，就投资者普遍关注的问题与投资者进行 交流。 二、业绩说明会召开的时间、方式 （一）会议召开时间：北京时间2023年10月30日（星期一）上午9:30-11:00 （二）会议召开方式 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 董事會會議召開日期 招商銀行股份有限公司（「本公司」）董事會（「董事會」）茲通告謹定於2023年10月 27日（星期五）舉行董事會會議，藉以審議及批准刊發本公司截至2023年9月30日 止之第三季度業績公告。 招商銀行股份有限公司董事會 2023年10月16日 招商銀行股份有限公司 CHINA MERCHANTS BANK CO., LTD. （於中華人民共和國註冊成立的股份有限公司） （H股股票代碼：03968） 於本公告日期，本公司的執行董事為王良及朱江濤；本公司的非執行董事為繆建 民、胡建華、孫雲飛、周松、洪小源、張健及陳冬；及本公司的獨立非執行董事 為王仕雄、李孟剛、劉俏、田宏啟、李朝鮮及史永東。 ...

A 股简称:招商银行 A 股代码:600036 公告编号:2023-057 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（简称招商银行）于 2023 年 10 月 8 日以 电子邮件方式发出第十二届监事会第二十次会议通知，于 10 月 9 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。 2023 年 10 月 9 日 会议审议通过了以下议案： 一、审议通过了《关于王颖女士离任审计结论的议案》，同意对 王颖女士担任招商银行行长助理期间履职情况的离任审计结论。 同意：9 票 反对：0 票 弃权：0 票 二、审议通过了《关于彭家文先生离任审计结论的议案》，同意 对彭家文先生担任招商银行行长助理期间履职情况的离任审计结论。 同意：9 票 反对：0 票 弃权：0 票 特此公告。 招商银行股份有限公司监事会 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2023-056 有关 2023 年半年度报告业绩交流会的文字实录和视频回放详见以下 链接： 2023 年半年度报告业绩交流会文字实录： http://www.cmbchina.com/cmbir/FAQ.aspx?type=FAQ 2023 年半年度报告业绩交流会视频回放： http://www.cmbchina.com/cmbir/intro.aspx?type=event 招商银行股份有限公司 关于与投资者交流情况的公告 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）2023 年半年度报告披露后， 本公司积极保持与投资者的沟通，组织召开了 2023 年半年度报告业绩说 明会，就投资者普遍关注的问题与投资者进行了交流。 特此公告。 招商银行股份有限公司董事会 2023 年 9 月 28 日 ...

会议审议通过了《关于聘请 2024 年度会计师事务所的议案》。 同意：9 票 反对：0 票 弃权：0 票 特此公告。 招商银行股份有限公司监事会 2023 年 9 月 26 日 A 股简称:招商银行 A 股代码:600036 公告编号:2023-053 招商银行股份有限公司 第十二届监事会第十九次会议决议公告 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（简称招商银行）于 2023 年 9 月 25 日以 电子邮件方式发出第十二届监事会第十九次会议通知，于 9 月 26 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。 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2023-052 招商银行股份有限公司 第十二届董事会第二十五次会议决议公告 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2023年9月 25日以电子邮件方式发出第十二届董事会第二十五次会议通知，于9 月26日以书面传签方式召开会议。会议应参会董事15名，实际参会董 事15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《关于调整董事会专门委员会成员组成的议案》， 调整后的招商银行第十二届董事会风险与资本管理委员会、董事会关 联交易管理与消费者权益保护委员会组成具体如下： （一）董事会风险与资本管理委员会 主任委员：洪小源；委员：张健、陈冬、朱江涛、刘俏、史永东。 （二）董事会关联交易管理与消费者权益保护委员会 主任委员：李朝鲜；委员：朱江涛、王仕雄、田宏启。 第十二届董事会其他专门委员会的成员组成保持不变。 同意：15 票 反对：0 票 弃 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2023-054 招商银行股份有限公司 关于变更会计师事务所的公告 招商银行股份有限公司（以下简称本公司或招商银行）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。 重要内容提示： 一、拟聘任会计师事务所的基本情况 （一）机构信息 1.国内会计师事务所：普华永道中天 （1）基本信息 普华永道中天的 2022 年度 A 股上市公司财务报表审计客户数量为 109 家，A 股上市公司审计收费总额为人民币 6.76 亿元，主要行业包括制造业，金融业， 交通运输、仓储和邮政业，信息传输、软件和信息技术服务业及批发和零售业等。 其中金融业的 A 股上市公司审计客户共 11 家。 （2）投资者保护能力 普华永道中天已按照有关法律法规要求投保职业保险，职业保险累计赔偿限 额超过人民币 2 亿元，职业风险基金计提或职业保险购买符合相关规定。普华永 道中天近 3 年无因执业行为在相关民事诉讼中承担民事责任的情况。 （3）诚信记录 普华永道中天前身为 1993 年 3 月 28 日成立的普华大华会 ...

Social Responsibility and Community Engagement - The company invested a total of 44.61 million yuan in 49 poverty alleviation projects in Yunnan's Wuding and Yongren counties during the reporting period[1]. - The total amount donated for public welfare and charity reached 47.84 million yuan, contributing to social equity and improving people's livelihoods[2]. - The "Small Points, Micro Public Welfare" platform has accumulated donations of 586 million points, resulting in 2.74 million free lunches for children and 334,900 public welfare books[2]. - The company has actively engaged in volunteer services and established the "Zhaohang Public Welfare Alliance" to promote social responsibility[2]. Corporate Governance and Management - The company held 10 board meetings during the reporting period, reviewing 62 proposals and listening to 11 reports[7]. - A total of 1 shareholders' meeting was convened, approving 10 proposals including the 2022 annual financial report and the profit distribution plan[8]. - The company has established a multi-level talent training system, enhancing training effectiveness and covering various employee growth needs[3]. - The company has implemented a gender equality principle in salary management and recruitment, ensuring equal opportunities for all employees[3]. - The company organized two employee representative meetings, enhancing employee participation in management and decision-making[3]. - The company continues to enhance its corporate governance mechanisms to support sustainable development and prudent risk management[30]. - The company’s governance structure includes a clear division of responsibilities among the shareholders' meeting, board of directors, supervisory board, and senior management[30]. - The company’s independent directors' terms are limited to a maximum of six years, affecting the tenure of certain directors[15]. Financial Performance - The company reported net profit of RMB 76,437 million for the six months ended June 30, 2023, an increase from RMB 70,002 million in the same period of 2022, representing an increase of approximately 9.4%[82]. - Total operating income for the first half of 2023 was RMB 176,909 million, slightly down from RMB 177,621 million in the previous year, indicating a decrease of about 0.4%[82]. - Net interest income increased to RMB 108,996 million, compared to RMB 107,692 million in the prior year, reflecting a growth of approximately 1.2%[82]. - The company’s basic and diluted earnings per share rose to RMB 2.93, up from RMB 2.67 in the same period last year, marking an increase of about 9.7%[82]. - The company’s total comprehensive income for the period was RMB 78,238 million, compared to RMB 71,851 million in the same period of 2022, indicating an increase of approximately 8.3%[83]. Asset and Liability Management - The company reported a total asset scale of 10,006,843 million in the first half of 2023[27]. - The total liabilities as of June 30, 2023, were RMB 9,753,923 million, up from RMB 9,184,674 million, indicating an increase of 6.20%[84]. - Total assets as of June 30, 2023, amounted to RMB 10,739,836 million, an increase from RMB 10,138,912 million as of December 31, 2022, representing a growth of 5.93%[84]. - Loans and advances increased to RMB 6,096,979 million, up from RMB 5,807,154 million, reflecting a growth of 4.98%[84]. - Customer deposits rose to RMB 8,098,272 million, compared to RMB 7,590,579 million, marking an increase of 6.67%[84]. Shareholder and Equity Information - The company reported that as of the end of the reporting period, Cai Jin held 133,150 shares, including 128,600 A-shares and 4,550 H-shares[12]. - The total number of shares issued is 6,752,746,952, with 32.73% of shares being A shares and 17.57% being H shares[47]. - The total number of preferred shareholders is 17, all of whom are domestic preferred shareholders[54]. - The company did not distribute any preferred stock dividends during the reporting period[57]. - The voting rights of the issued preferred shares have not been restored as of the end of the reporting period[59]. Risk Management and Compliance - The company is actively managing risks and has outlined its risk management strategies in the report[144]. - The financial report for the first half of 2023 has not been audited, and it includes forward-looking statements based on current plans and estimates[146]. - The company confirmed that there were no penalties imposed by securities regulatory authorities on the personnel listed in the report over the past three years[13]. Changes in Management - The company appointed Sun Yunfei as the vice chairman of the board in January 2023, pending approval from the national financial regulatory authority[15]. - In March 2023, the company elected Cao Jian as a staff supervisor, while Wang Wanqing stepped down due to age reasons[16]. - The company appointed Peng Jiawen as the financial officer in February 2023, following internal restructuring[17]. - The company’s management changes included the retirement of Wang Jianzhong and Shi Shunhua in February 2023 due to age[17]. - Zhao Weipeng was appointed as the secretary of the disciplinary committee in August 2023[17]. Strategic Focus and Future Planning - The company has focused on sustainable development, reviewing the 2022 Sustainable Development Report and planning for 2023[5]. - The company has restructured its board committee to enhance its focus on ESG initiatives, renaming the "Board Strategic Committee" to "Board Strategic and Sustainable Development Committee"[141]. - The board has reviewed multiple reports related to sustainable development and financial inclusion, ensuring the execution of these strategies[141]. - The company emphasizes its commitment to social responsibility, aiming for high-quality, efficient, equitable, and sustainable development[141].

A 股简称:招商银行 A 股代码:600036 公告编号:2023-050 招商银行股份有限公司 第十二届监事会第十八次会议决议公告 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。 同意：9 票 反对：0 票 弃权：0 票 特此公告。 招商银行股份有限公司监事会 2023 年 9 月 4 日 招商银行股份有限公司（简称招商银行）于 2023 年 9 月 1 日以 电子邮件方式发出第十二届监事会第十八次会议通知，于 9 月 4 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《关于熊良俊先生离任审计结论的议案》，同意 对熊良俊先生担任招商银行监事长期间履职情况的离任审计结论。 同意：9 票 反对：0 票 弃权：0 票 二、审议通过了《关于调整高级管理人员离任审计项目期间的议 案》。 ...

Financial Performance - The net profit attributable to shareholders was RMB 977,126 million, a rise of 3.34% from the previous year[13]. - The company achieved operating income of CNY 178.46 billion, a year-on-year decrease of 0.35%[36]. - The net profit attributable to shareholders was CNY 75.75 billion, representing a year-on-year increase of 9.12%[36]. - The company's operating income for the first half of 2023 was RMB 178,460 million, a slight decrease of 0.35% compared to RMB 179,091 million in the same period of 2022[49]. - Net profit increased by 9.19% to RMB 76,437 million in the first half of 2023, up from RMB 70,002 million in the same period of 2022[49]. - The total operating income for the first half of 2023 was RMB 178.460 billion, a slight decrease of 0.35% year-on-year[88]. Asset and Liability Management - Total assets reached RMB 10,739,836 million, an increase of 5.93% compared to the end of 2022[13]. - The bank's total liabilities reached RMB 9,753,923 million, reflecting a growth of 6.20% year-on-year[13]. - Customer deposits totaled RMB 8,030,232 million, marking a 6.56% increase compared to the end of 2022[13]. - The total amount of investment securities and other financial assets was RMB 3,016,589 million, accounting for 28.09% of total assets[102]. - The average balance of customer deposits was RMB 7,828.80 billion, with interest expenses totaling RMB 62.46 billion, resulting in an annualized average cost rate of 1.61%[90]. Loan Performance - Total loans and advances amounted to RMB 6,355,439 million, reflecting a growth of 5.02% year-on-year[13]. - Non-performing loans stood at RMB 60,641 million, up 4.55% from the previous year[13]. - The non-performing loan (NPL) ratio was 0.95%, a decrease of 0.01 percentage points from the end of the previous year[37]. - The migration rate for normal loans was 0.64%, down from 1.53% in 2022, indicating improved loan quality[60]. - The company's loan balance was RMB 2,576.86 billion, representing 40.54% of the total loans, an increase of 8.47% compared to the end of the previous year[127]. Income Sources - Net interest income reached CNY 108.99 billion, up 1.21% year-on-year[36]. - Non-interest income totaled CNY 69.46 billion, down 2.71% compared to the previous year[36]. - Interest income from loans and advances was RMB 134,592 million, representing a year-on-year growth of 2.58%[65]. - The net interest margin for the first half of 2023 was 2.12%, a decrease of 21 basis points compared to the previous year[71]. - The total amount of loans and advances was RMB 6,355.44 billion, with a non-performing loan amount of RMB 60.641 billion[126]. Capital Adequacy - The bank's core tier 1 capital net amount was RMB 831,657 million, increasing by 4.04% year-on-year[13]. - The core Tier 1 capital adequacy ratio was 13.09%, a decrease of 0.59 percentage points from the end of the previous year[32]. - The core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio were 12.60%, 14.63%, and 16.80%, respectively, down by 0.63, 0.79, and 0.71 percentage points from the end of the previous year[141]. Operational Efficiency - The cost-to-income ratio increased to 29.07%, up by 1.31 percentage points year-on-year[77]. - The total business and management expenses were RMB 51.877 billion, an increase of 4.36% year-on-year[77]. - The company has implemented a data-driven management approach, enhancing operational efficiency and employee experience, resulting in a savings of approximately 31,200 hours of work[184]. Customer Engagement - The total number of retail customers reached 190 million, an increase of 3.26% compared to the end of the previous year[181]. - The monthly active users (MAU) of the company's app reached 111 million, with a year-on-year growth of 140.84%[181]. - The online service rate for corporate customer basic services reached 89.88%, an increase of 7.74 percentage points compared to the end of the previous year[181]. Risk Management - The company has developed a comprehensive risk management system, emphasizing proactive risk resolution and compliance management[185]. - The company plans to continue monitoring regional government debt risks and implement differentiated control strategies for local government credit business[199]. - The overall risk in the designated industry is expected to remain controllable in the second half of 2023[200].