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） 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條而作出。 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董事會 2025年10月29日 於本公告日期，本公司的執行董事為王良及鍾德勝；本公司的股東董事（非執行 董事）為繆建民、石岱、孫雲飛、江朝陽、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。 A 股简称：招商银行 A 股代码：600036 公告编号：2025-051 招商银行股份有限公司 董事会决议公告 会议审议通过了以下议案： 一、审议通过了本公司 2025 年第三季度报告。 同意：14 票 反对：0 票 弃权：0 票 本公司董事会审计委员会已审议通过上述议案，并同意将其提交本公司董事 会审议。 二、 ...

Financial Performance - Net profit attributable to shareholders rose by 0.52% year-on-year to RMB 113,772 million for the first nine months of 2025[6]. - Operating income for Q3 2025 was RMB 81,359 million, reflecting a 2.11% increase compared to the same period last year[6]. - Basic earnings per share for Q3 2025 was RMB 1.54, up from RMB 1.32 in the same period last year, representing a 16.67% increase[6]. - The company's pre-tax profit for the first nine months of 2025 was RMB 135,089 million, reflecting a 0.76% increase year-on-year[6]. - The net profit for the nine months ended September 30, 2025, is RMB 114,537 million, slightly up from RMB 114,039 million in the same period last year[48]. - The net profit attributable to shareholders for the nine months ended September 30, 2025, is RMB 113,772 million, compared to RMB 113,184 million in the same period last year[48]. Asset and Liability Management - Total assets increased by 4.05% year-on-year to RMB 12,644,075 million as of September 30, 2025[6]. - Total liabilities increased by 4.12% to RMB 11,368.94 billion, primarily due to growth in customer deposits[25]. - The total number of ordinary shareholders reached 498,392, with 471,874 being A-share shareholders and 26,518 being H-share shareholders[8]. - The company's net assets per share increased by 4.22% year-on-year to RMB 43.21 as of September 30, 2025[6]. - The group's equity attributable to shareholders reached RMB 1,267.285 billion, an increase of 3.37% compared to the end of the previous year[26]. Customer Deposits and Loans - Customer deposits totaled RMB 9,518.70 billion, reflecting a 4.64% increase year-on-year, with retail customer deposits growing by 6.88%[25]. - The total loans and advances amounted to CNY 7,136.285 billion, growing by 3.60% from the end of the previous year[13]. - The average balance of loans and advances increased by 3.60% to RMB 71,362.85 billion, with corporate loans growing by 10.01%[24]. - The total customer deposits reached CNY 9,518.697 billion, an increase of 4.64% from the end of the previous year[13]. Non-Performing Loans and Credit Risk - The non-performing loan balance was CNY 67.425 billion, with a non-performing loan ratio of 0.94%, a decrease of 0.01 percentage points from the end of the previous year[14]. - The company's loan loss provision balance was RMB 262.123 billion, with a provision coverage ratio of 426.89%, an increase of 1.66 percentage points from the previous year[35]. - The company generated new non-performing loans of RMB 48.003 billion from January to September 2025, with an annualized NPL generation rate of 0.96%, a decrease of 0.06 percentage points year-on-year[34]. - The non-performing loan (NPL) ratio for the real estate sector was 4.24%, a decrease of 0.50 percentage points from the end of the previous year[27]. Income and Expense Management - The company's net interest income for the period was CNY 160.042 billion, representing a year-on-year increase of 1.74% and accounting for 63.69% of total operating income[16]. - Non-interest net income for the first nine months of 2025 was RMB 91.24 billion, a year-on-year decline of 4.27%, accounting for 36.31% of total operating income[19]. - The group maintained a cost-to-income ratio of 29.86%, an increase of 0.27 percentage points year-on-year, while focusing on lean management and cost control[21]. Risk Management and Compliance - The company will continue to enhance risk management and support compliance projects to stabilize the quality of real estate assets[28]. - The company is actively monitoring industry risks and implementing post-loan management to maintain overall asset quality stability[31]. - The company plans to enhance risk compliance management and adjust operational strategies in response to macroeconomic changes[36]. Capital Adequacy - The core tier 1 capital adequacy ratio was 13.93% as of September 30, 2025, a decrease of 0.93 percentage points from the end of the previous year[38]. - The total capital adequacy ratio is 17.40%, down 1.77 percentage points from the end of the previous year[41]. - The Tier 1 capital adequacy ratio under the weighted method is 13.99%, down 0.64 percentage points from the end of the previous year[43]. Customer Growth and Wealth Management - The number of retail customers increased to 220 million, representing a growth of 4.76% year-over-year[45]. - The number of high-net-worth clients (with average total assets of RMB 1 million or more) increased by 10.42% to 5.78 million[45]. - Wealth management fees and commissions increased by 18.76% to RMB 20.67 billion, driven by growth in distribution scale and product structure optimization[20].

人民财讯10月29日电，招商银行(600036)10月29日发布2025年第三季度报告，第三季度营收为814.51亿 元，同比增长2.11%；净利润为388.42亿元，同比增长1.04%。前三季度营收为2514.2亿元，同比下降 0.51%；净利润为1137.72亿元，同比增长0.52%。截至报告期末，集团不良贷款余额674.25亿元，较上 年末增加18.15亿元；不良贷款率0.94%，较上年末下降0.01个百分点；拨备覆盖率405.93%，较上年末 下降6.05个百分点；贷款拨备率3.84%，较上年末下降0.08个百分点。 转自：证券时报 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2025-053 招商银行股份有限公司 CHINAMERCHANTSBANKCO.,LTD. 二○二五年第三季度报告 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。 1 重要提示 本公司董事会、监事会及董事、监事、高级管理人员保证本报告内容的真实、准确、完整，不存在虚假 记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 本公司董事长缪建民，行长兼首席执行官王良，副行长、财务负责人和董事会秘书彭家文及会计机构负 责人孙智华声明：保证本报告中财务信息的真实、准确、完整。 本公司董事会审计委员会已审阅本报告并同意将本报告提交本公司董事会审议。本公司第十三届董事会 第六次会议和第十二届监事会第四十五次会议分别审议并全票通过了本公司2025年第三季度报告。 本报告中的财务报表按中国会计准则编制且未经审计，本公司按国际财务报告会计准则编制且未经审计 的季报详见香港交易及结算所有限公司网站。本报告中金额币种除特别说明外，均以人民币列示。 本报告中"招商银行""本公司""本行 ...

Core Viewpoint - The stock price of China Merchants Bank has experienced a decline of 2.02% on October 29, with significant net outflows of capital, indicating potential investor concerns about the bank's performance and market conditions [1]. Group 1: Stock Performance - As of October 29, the stock price is reported at 40.76 CNY per share, with a total market capitalization of 1,027.96 billion CNY [1]. - Year-to-date, the stock has increased by 9.28%, but it has seen declines of 2.84% over the last five trading days, 1.90% over the last twenty days, and 7.66% over the last sixty days [1]. Group 2: Financial Metrics - For the first half of 2025, the bank reported a net profit attributable to shareholders of 749.30 billion CNY, reflecting a year-on-year growth of 0.25% [2]. - The bank's cumulative cash dividends since its A-share listing amount to 403.70 billion CNY, with 144.00 billion CNY distributed over the past three years [3]. Group 3: Shareholder Information - As of June 30, 2025, the number of shareholders is reported at 410,400, a decrease of 5.65% from the previous period [2]. - The average number of circulating shares per shareholder has increased by 6.35% to 53,781 shares [2]. - Hong Kong Central Clearing Limited is the fourth largest circulating shareholder, holding 1.366 billion shares, which is a decrease of 33.10 million shares from the previous period [3]. Group 4: Business Overview - China Merchants Bank, established on March 31, 1987, and listed on April 9, 2002, primarily engages in retail financial services (56.59% of revenue), wholesale financial services (41.37%), and other business activities (2.03%) [1]. - The bank operates in the banking sector, specifically categorized under joint-stock commercial banks [1].

Group 1 - The core transaction of China Merchants Bank on October 28 involved a block trade of 1.62 million shares, amounting to 67.39 million yuan, with a transaction price of 41.60 yuan per share [2][4] - In the last three months, China Merchants Bank has recorded a total of 15 block trades, with a cumulative transaction value of 5.126 billion yuan [3] - The closing price of China Merchants Bank on the same day was 41.60 yuan, reflecting a slight increase of 0.02%, with a daily turnover rate of 0.34% and a total trading volume of 2.929 billion yuan [3] Group 2 - The latest margin financing balance for China Merchants Bank stands at 9.625 billion yuan, having increased by 151 million yuan over the past five days, representing a growth rate of 1.60% [4] - Over the past five days, the stock has experienced a cumulative decline of 0.91%, with a total net outflow of funds amounting to 1.508 billion yuan [3]

Core Viewpoint - China Merchants Bank announced the approval of Jiang Chaoyang's qualification as a director by the National Financial Regulatory Administration [2] Summary by Categories - **Company Announcement** - China Merchants Bank received a formal approval regarding Jiang Chaoyang's directorship [2]

Core Insights - The event "Autumn Wealth Festival" organized by China Merchants Bank Dongguan Branch aims to provide a comprehensive wealth management experience for clients, showcasing a blend of professional depth and quality service [1][2] - The festival emphasizes a commitment to long-term client relationships and features customized financial products, high-end salons, and AI service upgrades [1][2] Group 1 - The "Wealth Carnival" interactive experience is a highlight of the event, featuring themed booths managed by experienced financial advisors to engage clients in a fun and immersive way [1] - The festival will introduce 16 selected products, host 108 exclusive activities for "Golden Camellia" clients, and offer 142 premium services for private banking clients, along with 50 high-end customized salons [2] - The bank aims to transform its wealth management approach from product-oriented to demand-oriented, positioning itself as a guardian of client wealth and a supporter of regional economic development [2]

Core Viewpoint - On October 28, China Merchants Bank's stock closed at 41.60 yuan, with a slight increase of 0.02% and a significant block trade executed [1] Group 1: Stock Performance - The stock experienced a block trade with a total volume of 1.62 million shares and a transaction value of 67.39 million yuan [1] - The first transaction price was 41.60 yuan, with a total of 1.62 million shares traded, resulting in a premium rate of 0.00% [1] - Over the past three months, the stock has recorded 15 block trades, accumulating a total transaction value of 5.126 billion yuan [1] Group 2: Recent Trends - In the last five trading days, the stock has seen a cumulative decline of 0.91% [1] - There has been a net outflow of 1.469 billion yuan from the main capital [1]

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 监督管理总局关于江朝阳招商银行董事任职资格的批复》（金复〔2025〕 606号）。根据上述批复，江朝阳先生招商银行董事的任职资格已获得核 准。 江朝阳先生担任本公司股东董事（非执行董事）的任期自核准日2025 年10月24日起生效，至本公司第十三届董事会届满之日止。截至本公告 日期，江朝阳先生担任招商局金融控股有限公司副总经理，其持有本公 司144,300股A股。江朝阳先生的简历及其他相关信息请参阅刊登在上海 证券交易所网站（www.sse.com.cn）和本公司网站（www.cmbchina.com） 的本公司2024年度股东大会文件。 招商银行股份有限公司 关于董事任职资格核准的公告 特此公告。 A 股简称：招商银行 A 股代码：600036 公告编号：2025-050 招商银行股份有限公司董事会 2025 年 10 月 28 日 ...