香港交易所信息显示， 贝莱德在 招商银行的持股比例于04月14日从5.01%降至4.97%。 ...

001 900 80 78°54 72021 70 69.6 65:09 60 51-96 54065 50 44019 40 30 20 12698 10 0 2019-12-37 1 1-12-37 J-72-37 J6-30 2n- 制图数据来自恒生聚源数据库 市净率(LF)历史分位(%) 001 900 80 73x62 70 65.22 63 55 60 -59-03 50 44:02 40 40.14 33d6 30 20 10 9 38 0 2019-12-37 1 -1-12-37 <- 12-37 5-30 < - - - 1-OF 2n- 制图数据来自恒生聚源数据库 中证智能财讯 招商银行（03968）4月16日披露2024年度报告。报告期内，公司实现营业总收入3344.89亿元，同比下降0.63%；归母净利润1483.91亿元，同 比增长1.22%；经营活动产生的现金流量净额为4470.23亿元，同比增长24.95%；据报告显示，招商银行基本每股收益为5.66元，加权平均净资产收益率为 14.49%。公司2024年分配预案为：每股派息2元。 以4月16日收盘价计算，招商银行目前市盈率（T ...

4月15日，招商银行发布公告，近期国际金融市场环境复杂多变，黄金价格呈现较大幅度波动。现就相关事宜通告如 下： 一、黄金账户认购起点金额调整 根据黄金积存业务相关监管规定，该行将对零售黄金账户业务进行调整，具体如下： 自2025年4月21日（周一）起，黄金账户活期及黄金账户定投按金额认购的起点由750元调整为800元。调整前已设置 成功的定投计划（含普通定投与智能定投）将继续执行，不受影响。调整后新发起的定投计划金额须满足该行最新起 点要求。 （3）保值看涨金 为保持一致性，从2025年4月23日（周三）起，保值看涨金的赎回时间从交易日北京时间9:00-22:00调整为9:10-22:00。 （招商银行） 为优化客户体验，该行将进行系统升级，黄金账户业务主动购买或赎回黄金份额的服务时段将由交易日北京时间9:00- 24:00调整为9:10-次日02:00。本次调整将分为两个阶段进行： 第一阶段，自2025年4月23日（周三）起，黄金账户业务主动购买或赎回黄金份额的服务时段将由交易日北京时间 9:00-24:00调整为9:10-24:00（交易日与上海黄金交易所交易日保持一致）。 第二阶段，黄金账户业务主动购买 ...

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。 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） 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2025年4月29 日（星期二）舉行董事會會議，藉以審議及批准刊發本公司截至2025年3月31日止 三個月之第一季度業績公告。 招商銀行股份有限公司董事會 2025年4月15日 於本公告日期，本公司的執行董事為王良、鍾德勝及朱江濤；本公司的非執行 董事為繆建民、石岱、孫雲飛、朱立偉及黃堅；及本公司的獨立非執行董事為 李孟剛、劉俏、田宏啟、李朝鮮、史永東及李健。 ...

金融界4月15日消息，A股三大指数收盘涨跌不一，上证180指数 (上证180，000010)下跌0.09%，报 8351.8点，成交额1336.07亿元。 数据统计显示，上证180指数近一个月下跌4.69%，近三个月下跌0.29%，年至今下跌3.27%。 据了解，上证180指数从沪市证券中选取市值规模较大、流动性较好的180只证券作为样本，反映上海证 券市场核心上市公司证券整体表现。该指数以2002年06月28日为基日，以3299.06点为基点。 从上证180指数持仓的市场板块来看，上海证券交易所占比100.00%。 从上证180指数持仓样本的行业来看，金融占比21.15%、工业占比19.44%、信息技术占比13.81%、原材 料占比10.23%、主要消费占比8.68%、医药卫生占比7.05%、可选消费占比6.38%、公用事业占比 4.53%、通信服务占比3.92%、能源占比3.31%、房地产占比1.49%。 资料显示，指数样本每半年调整一次，样本调整实施时间分别为每年6月和12月的第二个星期五的下一 交易日。每次调整的样本比例一般不超过10%。特殊情况下将对指数进行临时调整。当样本退市时，将 其从指数样本中 ...

Core Insights - The current wave of artificial intelligence, particularly large language models, presents significant opportunities for the banking industry, enhancing service delivery and operational efficiency [1] Group 1: Changes in Service Models - The banking industry has traditionally focused on serving a limited number of key clients, adhering to the "80/20 rule." With the advent of large language models, banks can transition to a "one customer at a time" approach, enabling personalized services for all clients [2] Group 2: Changes in Work Models - The banking sector, being labor-intensive, can leverage large language models to assist or even replace human employees in repetitive tasks, fostering a new collaborative environment between human and intelligent agents [2] Group 3: Changes in Interaction Models - Interaction methods are evolving from purely graphical user interfaces (GUI) to a combination of GUI and chat functionalities, allowing for dynamic interface organization based on customer intent, thus enhancing user experience [2] Group 4: Changes in Data Analysis - Large models significantly improve data analysis efficiency and lower the barriers to entry, enabling more individuals to engage in data analysis activities [3]

Group 1 - The core viewpoint of the news is that the China Securities Hong Kong 300 Cycle Index has experienced a decline of 12.92% in the past month, 1.19% in the past three months, and 5.07% year-to-date [1] - The top ten weighted stocks in the China Securities Hong Kong 300 Cycle Index are HSBC Holdings (17.66%), China Construction Bank (10.1%), AIA Group (7.41%), Industrial and Commercial Bank of China (5.95%), Hong Kong Exchanges and Clearing (5.24%), Bank of China (4.77%), Ping An Insurance (4.21%), CNOOC (3.89%), China Merchants Bank (2.6%), and Agricultural Bank of China (1.79%) [1] - The index is composed entirely of stocks listed on the Hong Kong Stock Exchange, with the financial sector accounting for 73.47%, real estate 9.65%, energy 9.31%, materials 4.56%, and industrials 3.02% [1] Group 2 - The index sample is adjusted every six months, specifically on the next trading day after the second Friday of June and December, with provisions for temporary adjustments in special circumstances [2]

Core Insights - The National Wealth Development Research Cooperation Platform Spring Summit 2025 focused on "Artificial Intelligence and the Future of Finance" [1] - The Chief Information Officer of China Merchants Bank highlighted the strengths and limitations of large language models, including issues like hallucinations, accuracy, alignment capabilities, value bias, ethical bias, and performance costs [1] Group 1: Model Management - The introduction of open-source models into banking requires a rigorous management process to determine which models can be used in production environments [1] - After introducing large language models, specific domain training is necessary, which must follow established protocols and be managed through appropriate systems and platforms [1] - Post-training evaluation of large language models is essential to ensure that any potential degradation in capabilities remains within acceptable limits [1] Group 2: Content Generation and Oversight - Supervision of content generated by large language models, particularly generative AI, is crucial, requiring both algorithmic and human oversight [2] - The financial industry emphasizes the importance of accountability, mandating that responsibility is assigned to individuals in key areas and processes when using AI technologies [2]

Group 1 - Fitch has adjusted the rating outlook of five Chinese state-owned banks and China Merchants Bank to stable [1]

Core Viewpoint - Several banks in China are discontinuing cardless deposit and withdrawal services, indicating a shift towards more secure and efficient banking methods as technology evolves [1][3][5]. Group 1: Bank Actions - China Merchants Bank announced it will stop ATM QR code deposit services starting April 9, 2025 [1]. - Major state-owned banks, including Industrial and Commercial Bank of China and Bank of Communications, have already suspended various cardless withdrawal services since 2023 [3]. - Smaller banks, such as Qixia Rural Commercial Bank and Laizhou Rural Commercial Bank, have also begun to phase out cardless withdrawal functionalities as of December 1, 2023 [4]. Group 2: Technology and User Behavior - The rise of mobile banking and QR code payments has led to a decline in the usage of ATM QR code deposit functions, which are now seen as less convenient compared to newer technologies like facial recognition [5][7]. - Analysts suggest that the majority of ATM users are older individuals who prefer traditional card-based transactions, indicating a potential gap in user adoption for newer technologies [7]. Group 3: Security Concerns - Experts highlight security risks associated with cardless transactions, such as the inability to verify the identity of depositors and potential vulnerabilities in confirming the relationship between the payer and payee [7]. - The discontinuation of cardless services is viewed as a necessary step to enhance the security of banking operations and to comply with regulations aimed at preventing money laundering [7].