Core Viewpoint - The recent adjustments in gold trading spreads by China Merchants Bank are a response to significant fluctuations in the international gold market, aiming to mitigate risks associated with these changes [1][2]. Group 1: Company Actions - China Merchants Bank announced an adjustment to the trading spread for its gold account business, increasing the buy spread by 2 CNY per gram, resulting in a new spread of 5 CNY per gram effective from March 23 until June 27 [1]. - The bank's customer service indicated that this adjustment aligns with market conditions, noting that many peer institutions have also raised their spreads in response to market changes [1]. - The adjusted spread means that if the gold price is displayed at 1000 CNY per gram, the buying price will be 1002 CNY per gram and the selling price will remain at 997 CNY per gram, reflecting a new spread of 5 CNY per gram [1]. Group 2: Market Context - The adjustments come amid significant volatility in the international gold market, with the London gold spot price dropping below 4500 USD per ounce, marking a weekly decline of 10.49%, the largest since March 1983 [2]. - On March 23, the international gold price experienced a sharp decline, with intraday losses exceeding 8%, marking the ninth consecutive day of decline [2]. - Other banks, such as China Construction Bank and Industrial Bank, have also implemented changes to their precious metals trading operations in response to market instability, including dynamic trading limits and the closure of certain trading channels [4].

Core Viewpoint - China Merchants Bank has adjusted the trading spread for its gold account business due to increased volatility in the gold market, effective from March 23, with the new spread set at 5 yuan per gram [1][3]. Group 1: Spread Adjustment Details - The buying spread has increased by 2 yuan per gram, while the selling spread remains unchanged [1][3]. - The adjusted spread is expected to remain in effect until June 27 [1][3]. - Starting from June 29, 2026, the buying and selling spreads will be adjusted to 2.5 yuan per gram [1][3]. Group 2: Market Response - The bank's customer service indicated that the spread adjustments are in response to market changes and business development needs [1][3]. - The specific spread amounts will be displayed on the interface, reflecting real-time market conditions [1][3].

Core Insights - The integration of financial technology in construction sites transforms the opening of migrant workers' regulatory accounts into a trust bridge connecting laborers to a better life [1] - The Changsha branch of China Merchants Bank optimizes corporate account services to enhance the business environment and provide efficient financial services for livelihood projects [1] Group 1: Service Optimization - The bank simplifies the process of opening corporate accounts, reducing the average account opening time from over 2 hours to around 1 hour [1] - The Yanghu branch implements a cloud pre-review service model, turning a lengthy process into a "one-time approval" service, significantly improving efficiency [1][2] Group 2: Collaborative Service Model - The Yanghu branch creates a rapid account opening channel through chain collaboration, ensuring precise communication and coordination among clients, account managers, and counter staff [2] - The introduction of the "Construction Site Account Express" service allows for on-site account opening for migrant workers, reducing the process time from over a week to just two to three days [2] Group 3: Future Development - The Changsha branch plans to continue following the head office's "Extreme Service" project, aiming for more innovative, scenario-based financial services to expand the boundaries of financial services for the public [2]

Core Viewpoint - The company is actively promoting financial consumer rights education through targeted outreach programs aimed at enhancing financial literacy and risk prevention among new employment forms, particularly in the courier, ride-hailing, and freight sectors [1]. Group 1: Financial Knowledge Promotion - The company has organized a youth volunteer service team to conduct financial knowledge dissemination activities, focusing on frontline workers in the courier and ride-hailing industries [1][5]. - Activities include educating workers on personal financial information protection, fraud prevention, and credit maintenance, using simple language to ensure understanding and practical application [2][4]. Group 2: Fraud Prevention Initiatives - The company emphasizes the importance of safeguarding personal information and recognizing common scams, such as impersonation fraud and loan inducements, particularly for courier workers [4][5]. - Specific guidance is provided to workers on how to handle suspicious communications and protect their financial assets, reinforcing the message of not sharing personal banking information [4][5]. Group 3: Tailored Financial Education - The company has developed customized financial education sessions for different worker groups, addressing specific risks they face, such as account issues and fraudulent orders for ride-hailing drivers [5][7]. - For freight drivers, the focus is on educating them about scams related to freight orders and financial management, ensuring they can operate safely and maintain their financial rights [7]. Group 4: Community Impact - Feedback from participants indicates a strong appreciation for the initiative, highlighting the importance of financial security in their daily operations [7]. - The company aims to continue enhancing financial education efforts, fostering a safer financial environment for consumers and supporting new employment forms [7].

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） 投資者可於會後在本公司網站( www.cmbchina.com )「投資者關係」專欄觀看業績說 明會的相關實錄。 招商銀行股份有限公司董事會 2026年3月20日 投資者可於北京時間2026年3月30日（星期一）上午9:30-11:30通過以下網址參加 業績說明會。 中文：https://webcasting.bizconf.cn/live/watch/o69x7neo 英文：https://webcasting.bizconf.cn/live/watch/lkdxj00o 本公司將為投資者提供提問渠道。投資者可將相關問題通過電子郵件方式發送至 本公司2025年度業績說明會問題收集郵箱：query@ cmbchina.com 。郵件收取截止 時間為北京時間2026年3月30日（ ...

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） 本次優先股的贖回價格為本次優先股的票面金額加當期應計股息。應計股息 的計算公式為：IA=B×i×t/365 IA：指本公司宣告贖回的公告日的計息年度應計股息； B：指優先股股東持有的將被贖回的優先股票面總金額； i：指優先股當年股息率； t：指計息天數，即2025年12月18日至2026年4月15日期間的實際日曆天數 （算頭不算尾）。 （H股股票代碼：03968） 關於贖回優先股的第二次提示性公告 招商銀行股份有限公司（「本公司」）於2017年12月非公開發行2.75億股境內優先股 （「本次優先股」），募集資金總額為人民幣275億元，優先股簡稱「招銀優1」，優先 股代碼360028。經本公司股東大會授權董事會及董事會轉授權的兩位董事批准， 並經國家金融監督管理總局答覆無異議，本 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2026-007 英文：https://webcasting.bizconf.cn/live/watch/lkdxj00o 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）2025年度业绩说明会（简称业绩说明会）问题收集邮箱：query@cmbchina.com。 邮件收取截止时间为北京时间2026年3月30日（星期一）上午11:00。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 招商银行股份有限公司 关于召开2025年度业绩说明会的公告 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。 重要内容提示： 中文：https://webcasting.bizconf.cn/live/watch/o69x7neo 为了便于广大投资者更全面深入地了解本公司2025年度业绩和经营情况，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。 1 （一）投资者可于北京时间2026年3月30日上午9: ...

Core Viewpoint - The collaboration between China Merchants Bank Qingdao Branch and Qingdao High-tech Financing Guarantee Co., Ltd. has successfully launched the first batch guarantee online financing business in Qingdao, addressing the financing difficulties faced by small and micro enterprises [1][2]. Group 1: Financing Model Innovation - The batch guarantee online financing business is a response to the People's Bank of China's call for bank-guarantee cooperation, leveraging financial technology to create a new financing service model that eliminates reliance on collateral [2]. - This model features "no collateral, online application, and rapid disbursement," effectively integrating risk control resources from both banks and guarantees, simplifying the approval process, and significantly enhancing the accessibility and convenience of financing for small and micro enterprises [2]. Group 2: Focus on Technology Enterprises - The Qingdao Branch has further innovated its model by obtaining approval for a combination loan of "Science and Technology Innovation Quick Loan Scoring Card + Batch Guarantee Business," which enhances customer access and approval efficiency while effectively controlling risks [3]. - This design not only alleviates the workload of customer managers and loan officers but also provides a replicable and scalable service model for technology enterprises [3]. Group 3: Special Quota Establishment - To meet the short-term, small, frequent, and urgent funding needs of small and micro enterprises, the Qingdao Branch has established a special quota of nearly 300 million yuan, tailoring financing solutions through the batch guarantee cooperation model [4]. - The special funds are primarily directed towards inclusive small and micro enterprises, technological innovation, and livelihood services, supporting employment stability and industrial upgrading, thereby injecting financial vitality into regional economic high-quality development [4]. - The successful launch of this batch guarantee online financing business is a significant practice of the bank's commitment to serving the real economy, with plans to continue deepening bank-guarantee cooperation and expanding inclusive financial service coverage [4].

招商银行股份有限公司 关于赎回优先股的第二次提示性公告 A股简称：招商银行 A股代码：600036 公告编号：2026-008 t：指计息天数，即2025年12月18日至2026年4月15日期间的实际日历天数（算 头不算尾）。 三、赎回时间 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）于2017年12月非公开发行2.75亿股境内 优先股（简称本次优先股），募集资金总额为人民币275亿元，优先股简称"招银 优1"，优先股代码360028。经本公司股东大会授权董事会及董事会转授权的两位 董事批准，并经国家金融监督管理总局答复无异议，本公司拟于2026年4月15日赎 回本次优先股，现将有关赎回事宜提示如下： 一、赎回规模 本公司拟赎回本次优先股合计2.75亿股，每股面值人民币100元，总金额人民 币275亿元。 二、赎回价格 本次优先股的赎回价格为本次优先股的票面金额加当期应计股息。应计股息的 计算公式为：IA=B×i×t/365 IA：指本公司宣告赎回的公告日的计息年度应计股息； B：指优先股 ...

Group 1 - The core idea of the article is the launch of the "Youth Volunteer Service Month" by China Merchants Bank Hohhot Branch, integrating financial education with volunteer services to promote social responsibility among the youth [1][7] Group 2 - The first event involved youth volunteers creating an interactive experience called "Financial Safety Escape Room" at a shopping center, focusing on educating young consumers about financial risks through engaging activities [3] - Participants faced challenges related to "fake investment traps" and "personal information leakage," enhancing their awareness of financial risk prevention [3] - Volunteers distributed financial knowledge materials and provided practical advice on preventing financial scams and rational investing, aligning with the "3.15" educational campaign [3] Group 3 - The second event targeted elderly residents in the community with a theme of "Protecting the Wallet, Safeguarding Happiness," offering a "Silver-haired Financial Classroom" to educate them about common financial scams [5] - Real-life case studies were used to teach seniors how to identify scams such as "high-interest temptations" and "family marketing" through interactive methods [5] Group 4 - The volunteer service month reflects the youth's commitment to the spirit of Lei Feng and emphasizes the bank's mission of "finance for the people," with plans for ongoing initiatives in financial education and community support [7]