招商银行股份有限公司 2024年年度A 股分红派息实施公告 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。 重要内容提示： 证券代码：600036 证券简称：招商银行 公告编号：2025-037 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | A 股 | 2025/7/10 | － | 2025/7/11 | 2025/7/11 | 本次利润分配方案经招商银行股份有限公司（简称本公司）2025 年 6 月 25 日的2024年度 股东大会审议通过。 二、分配方案 (一)发放年度：2024年年度 差异化分红送转： 否 一、通过分配方案的股东大会届次和日期 每股分配比例 (二)分派对象： 截至股权登记日下午上海证券交易所收市时，在中国证券登记结算有限责任公司上海分 公司（简称中国结算上海分公司）登记在册的本公司全体股东。 A 股每股现金红利人民币2.000元（含税） 相关日期 四、分配实施办法 (一)实施办法 A 股无限售条 ...

金十数据7月3日讯，招商银行公告，2024年度利润分配以方案实施前的本公司总股本25,219,845,601股 为基数，每股派发现金红利人民币2.000元（含税），共计派发现金红利约人民币504.40亿元（含税）， 其中，A股总股1本为20,628,944,429股，派发A股现金红利约人民币412.58亿元（含税）。 招商银行：2024年度A股每股现金红利人民币2元 ...

智通财经7月3日电，香港交易所信息显示，贝莱德在招商银行的持股比例于6月27日从5.03%降至 4.98%。 ...

Core Points - The article highlights the increasing difficulty in opening a bank account with a daily transfer limit of 50,000 yuan due to stricter regulations aimed at preventing fraud and money laundering [1] - A survey conducted by the media involved visiting seven different banks in Zhuhai, revealing that only one individual successfully opened the desired account [1] Group 1: Bank Experiences - At China Everbright Bank, the process was cautious, with the reporter initially being denied and eventually allowed to open an account with a limit of 5,000 yuan after persistent requests [3][5] - Shanghai Pudong Development Bank required the reporter to bind a loan mini-program during the account opening process, with a total time of approximately 1 hour and 4 minutes [7][9] - At Guangfa Bank, the reporter faced a lengthy process with a final limit of 1,000 yuan for new accounts, despite multiple inquiries about higher limits [14][15] - CITIC Bank insisted on checking social security records before allowing account opening, with a daily transfer limit set at 1,000 yuan [17][18] - Industrial Bank completed the account opening in about 30 minutes but set a limit of 6,000 yuan for the new account [21][22] - China Merchants Bank allowed the reporter to complete the process in about 20 minutes, initially setting a limit of 3,000 yuan, which was later adjusted to 30,000 yuan after discussions [24][25] - Xiamen International Bank required social security proof and completed the account opening in approximately 10 minutes, setting a limit of 50,000 yuan for the new account [28][29] Group 2: Regulatory Environment - The tightening of account opening procedures is attributed to the need for banks to mitigate risks associated with fraud and money laundering, leading to lower initial transfer limits across various banks [1][26] - Banks are increasingly requiring additional documentation and verification processes, such as social security records and detailed inquiries about the purpose of the account, to ensure compliance with regulatory standards [17][18][26]

Core Viewpoint - The article primarily focuses on various credit card offerings from different banks, highlighting promotional benefits for new customers and existing cardholders. Group 1: Credit Card Promotions - The article mentions that new customers can receive various gifts such as brand luggage or Starbucks coffee upon meeting certain spending criteria [5][8]. - It emphasizes that some credit cards offer no annual fee for the first year, with specific conditions for maintaining this benefit in subsequent years [12]. - There are referral rewards for existing cardholders who recommend friends to apply for credit cards, with both the referrer and the new applicant receiving benefits upon meeting the requirements [13]. Group 2: Specific Card Features - The article details that certain credit cards allow for a maximum spending limit of up to 50,000 yuan [11]. - It notes that existing cardholders can apply for additional credit cards, but the credit limit will be shared with their current cards and will not include new customer benefits [15]. - The article encourages readers to explore more credit card options by clicking on provided links for further information [17].

| | 2025《银行家》中资银行综合表现排名 | | --- | --- | | 序号 | 综合表现 | | 1 | 招商银行 | | 2 | 兴业银行 | | 3 | 工商银行 | | 4 | 中信银行 | | 5 | 建设银行 | | 6 | 中国银行 | | 7 | 农业银行 | | 8 | 交通银行 | | 9 | 邮储银行 | | 10 | 浦发银行 | | 来源: | 英国《银行家》轻金融 | 可以发现，国有行综合表现前三分别为：工商银行、建设银行、中国银行；股份行综合表现排名前三分 别为：招商银行、兴业银行、中信银行。 来源：轻金融 四大行一级资本排名继续霸榜，股份行在综合表现上抢眼：招行蝉联第一，兴业银行跻身第二（上升6 位），中信银行上升两位 近日，英国《银行家》（The Banker）杂志公布2025年度全球银行1000强排名，按照一级资本排名，工 商银行、建设银行、农业银行和中国银行连续8年包揽榜单前四。 同期，《银行家》还公布了中资银行综合表现排名，轻金融对相关内容进行了编译、制表，如下是排名 详情。 一、综合表现排名：股份行表现亮眼 1、增长规模排名前五的银行分别为：招商银行、邮储 ...

Core Viewpoint - The Financial Regulatory Bureau has released the "Measures for Market Risk Management of Commercial Banks," which refines the definition of market risk and emphasizes the need for improved governance and management practices in banks [1][2]. Group 1: Definition and Scope of Market Risk - The new measures redefine market risk, excluding interest rate risks related to the banking book, and focus on risks arising from adverse changes in interest rates, exchange rates, stock prices, and commodity prices [1]. - The distinction between trading book market risk and banking book interest rate risk is highlighted, indicating that they are managed by different teams and require different policies and measurement methods [1]. Group 2: Governance Structure and Responsibilities - The measures clarify the responsibilities of the board of directors, supervisory board, and senior management, defining the specific scope and duties of the three lines of defense in market risk management [2]. - There is an emphasis on enhancing market risk management at the group consolidation level [2]. Group 3: Risk Management Requirements - Banks are required to implement full-process management of market risk, detailing requirements for risk identification, measurement, monitoring, control, and reporting [2]. - The measures call for improvements in internal model definitions, model management, and stress testing to align with current market risk measurement frameworks and practices [2]. Group 4: Benefits of the New Measures - The new measures are expected to enhance banks' operational resilience by clarifying the relationship between market risk and banking book interest rate risk, thereby strengthening market risk management awareness and capabilities [2]. - They will also facilitate the optimization of market risk governance structures and policies, improve risk appetite and limit systems, and enhance data systems and internal controls [2]. - The implementation of the capital management measures will be closely integrated with market risk management, ensuring effective internal model validation and monitoring [2].

Core Insights - Southbound capital has significantly increased its presence in the Hong Kong stock market, with net inflows exceeding 730 billion HKD this year, marking a historical high for multiple indicators [1][2]. Group 1: Market Performance - The Hong Kong market has shown strong performance in the first half of the year, with the Hang Seng Index rising by 20% and the Hang Seng Tech Index increasing by 18.68%, ranking among the top global indices [2]. - In the first half of the year, southbound capital recorded a net inflow of 731.19 billion HKD, the highest for the same period historically, second only to the full-year figure of 807.87 billion HKD in 2024 [2]. - Southbound capital has shown a "buy the dip" strategy, with 30 trading days seeing net inflows exceeding 10 billion HKD, even on days when the Hang Seng Index declined [3]. Group 2: Trading Activity - The trading volume of southbound capital has increased significantly, with its share of the total trading volume in the Hong Kong market rising from 2.98% in 2015 to over 43.12% in the first five months of this year [4]. - In April, southbound capital recorded a net inflow of 166.67 billion HKD, the second-highest monthly inflow in history [2]. Group 3: Policy Support - The increase in southbound capital allocation to Hong Kong stocks is supported by policy measures, including the expansion of eligible stocks for the Stock Connect programs and the extension of tax incentives until 2027 [4]. Group 4: Sector Performance - The banking sector has seen significant increases in holdings by southbound capital, with major banks like China Construction Bank and HSBC among the top beneficiaries [6]. - The Hang Seng Index for mainland Chinese banks rose by 25.94% in the first half of the year, outperforming other key indices [6]. Group 5: Valuation Opportunities - "A+H" bank stocks are attracting southbound capital due to their lower valuations and higher dividend yields in the Hong Kong market compared to their A-share counterparts [7]. - Among 15 "A+H" bank stocks, 13 have A-share premium rates exceeding 10%, indicating a strong preference for H-shares due to their relative value [7].

Core Viewpoint - The evaluation of seven banks in Zhuhai revealed significant disparities in their card issuance processes, with some banks excelling in service quality while others faced criticism for excessive restrictions and inefficiencies [1][3][6]. Group 1: Evaluation Results - The evaluation showed a clear tiered scoring among the banks, with China Merchants Bank and Xiamen International Bank both achieving the highest score of 95, demonstrating effective risk management and customer service [6][16]. - The lowest score was 55, attributed to banks like China Everbright Bank and Shanghai Pudong Development Bank, which exhibited lengthy processes and excessive restrictions on transaction limits [7][12][16]. Group 2: Efficiency and Process - The time taken to open a bank account varied significantly, with the fastest being 10 minutes at Xiamen International Bank, while some banks took up to 64 minutes due to inefficient processes [11][12][13]. - The average waiting time and processing time for account opening were inconsistent across different banks, highlighting a lack of standardization in service efficiency [11][26]. Group 3: Compliance and Service Quality - Overall compliance performance was strong, with four banks receiving full marks for not engaging in bundling sales or requiring unnecessary app downloads [16][17]. - However, some banks, such as China Everbright Bank and China CITIC Bank, faced criticism for requiring customers to follow social media accounts or download apps, negatively impacting user experience [17][21][22]. Group 4: Transaction Limits - The initial transaction limits varied widely, with Xiamen International Bank allowing a limit of 50,000, while others like China CITIC Bank set limits as low as 1,000 [22][24]. - The inconsistency in transaction limits reflects the banks' varying interpretations of regulatory guidelines aimed at preventing fraud and money laundering [22][23][24]. Group 5: Documentation Requirements - The documentation required for account opening was not standardized, leading to confusion and delays as different banks requested varying levels of information [26][27][30]. - This lack of uniformity in documentation requirements contributed to a frustrating experience for customers, as they faced different expectations at each bank [26][30].

Core Viewpoint - The article highlights the increasing strictness of bank account opening processes in response to risks such as telecom fraud and money laundering, while also addressing concerns about excessive restrictions on transaction limits and service quality in Zhuhai banks [1] Group 1: Bank Evaluation - A survey was conducted by "Nandu Zhushi Evaluation" involving visits to 7 banks in Zhuhai to assess the compliance and efficiency of their account opening processes, focusing on the ability to open a savings account with a daily transfer limit of 50,000 yuan [1] - The evaluation criteria included service efficiency, compliance, anti-fraud execution, and service quality, revealing a significant disparity among banks, with scores ranging from 55 to 95 [1] Group 2: Specific Bank Case Study - The evaluation of the China Merchants Bank Zhuhai Gongbei Branch showed a total processing time of approximately 20 minutes, with proactive staff assistance and no waiting time [3] - Initial daily transfer limits for new accounts were set at 3,000 yuan, with the possibility of increasing the limit after providing documentation or after a certain period based on account activity [5] - The account opening process was smooth, with no pressure to bind third-party payment platforms, and privacy was respected during sensitive operations [6]