二、审议通过了本公司 2025 年半年度报告全文及摘要，并出具如下意见： （一）本公司 2025 年半年度报告的编制和审议程序符合有关法律法规、《招 商银行股份有限公司章程》和本公司相关内部管理制度的规定； （二）本公司 2025 年半年度报告的内容与格式符合中国证监会和证券交易所 的相关规定，真实、准确、完整反映本公司报告期内的经营管理情况和财务状况； （三）截至本意见出具前，未发现参与 2025 年半年度报告编制和审议的人员 有违反保密规定的行为。 A 股简称:招商银行 A 股代码:600036 公告编号:2025-047 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（简称本公司或招商银行）于 2025 年 7 月 24 日以电 子邮件方式发出第十二届监事会第四十四次会议通知，于 8 月 29 日在深圳蛇口 培训中心召开会议。会议由杨盛监事主持，应参会监事 6 名，实际参会监事 6 名， 总有效表决票为 6 票。会议的召开符合《中华人民共和国公司法》和《招商银行 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2025-046 招商银行股份有限公司 董事会决议公告 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 2025 年 7 月 24 日以电 子邮件方式发出第十三届董事会第四次会议通知，于 8 月 29 日在深圳蛇口培训 中心召开会议。会议由缪建民董事长主持，应参会董事 13 名，实际参会董事 13 名。本公司 5 名监事列席了会议。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《2025 年中期行长工作报告》。 二、审议通过了本公司 2025 年半年度报告全文及摘要。 同意：13 票 反对：0 票 弃权：0 票 本 公 司 2025 年 半 年 度 报 告 全 文 及 摘 要 详 见 上 海 证 券 交 易 所 网 站 （www.sse.com.cn）、香港交易及结算所有限公司网站（www.hkex.com.hk）和本 公司网站(www.cmbc ...

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） 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。 招商銀行股份有限公司董事會 2025年8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、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:2025-047 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（简称本公司或招商银行）于 2025 年 7 月 24 日以 ...

资产质量方面，2025年上半年，招商银行不良贷款余额663.70亿元，较上年末增加7.60亿元；不良贷款 率0.93%，较上年末下降0.02个百分点；拨备覆盖率410.93%，较上年末下降1.05个百分点；贷款拨备率 3.83%，较上年末下降0.09个百分点。 资产规模方面，截至报告期末，招商银行资产总额126571.51亿元，较上年末增长4.16%；贷款和垫款总 额71166.16亿元，较上年末增长3.31%；负债总额113602.91亿元，较上年末增长4.05%；客户存款总额 94223.79亿元，较上年末增长3.58%。 北京商报讯(记者孟凡霞实习记者周义力)8月29日，招商银行（600036）发布2025年半年度报告。报告 期内，招商银行实现营业收入1699.69亿元，同比下降1.72%；实现归属于该行股东的净利润749.30亿 元，同比增长0.25%；实现净利息收入1060.85亿元，同比增长1.57%；实现非利息净收入638.84亿元， 同比下降6.73%；年化后归属于该行股东的平均总资产收益率(ROAA)和年化后归属于该行普通股股东 的平均净资产收益率(ROAE)分别为1.21%和13.85%， ...

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） 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。 招商銀行股份有限公司董事會 2025年8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、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。 招商银行股份有限公司 董事会决议公告 A 股简称：招商银行 A 股代码：600036 公告编号：2025-046 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 2025 年 7 月 24 日以 ...

格隆汇8月29日丨招商银行(600036.SH)公布半年度报告，报告期内，本集团实现营业收入1,699.69亿 元，同比下降1.72%；实现归属于本行股东的净利润749.30亿元，同比增长0.25%；实现净利息收入 1,060.85亿元，同比增长1.57%；实现非利息净收入638.84亿元，同比下降6.73%；年化后归属于本行股 东的平均总资产收益率(ROAA)和年化后归属于本行普通股股东的平均净资产收益率(ROAE)分别为 1.21%和13.85%，同比分别下降0.11和1.59个百分点。 截至报告期末，本集团资产总额126,571.51亿元，较上年末增长4.16%；贷款和垫款总额71,166.16亿 元，较上年末增长3.31%；负债总额113,602.91亿元，较上年末增长4.05%；客户存款总额94,223.79亿 元，较上年末增长3.58%。截至报告期末，本集团不良贷款余额663.70亿元，较上年末增加7.60亿元； 不良贷款率0.93%，较上年末下降0.02个百分点；拨备覆盖率410.93%，较上年末下降1.05个百分点；贷 款拨备率3.83%，较上年末下降0.09个百分点。 ...

Core Viewpoint - China Merchants Bank (招商银行) reported a slight decline in revenue but a modest increase in net profit for the first half of 2025, indicating a potential recovery in profitability [1] Financial Performance - The bank achieved an operating income of nearly 170 billion yuan, a year-on-year decrease of 1.7% [1] - The net profit attributable to shareholders grew by 0.3% to 74.93 billion yuan, with a positive turnaround in growth rate compared to the previous quarter [1] Asset Management and Retail Banking - As of the end of June, the total assets under management (AUM) for retail clients exceeded 16 trillion yuan, reflecting a growth of 7.4% since the beginning of the year [1] - Retail customer deposits surpassed 4 trillion yuan, marking a 5% increase from the start of the year [1] - Retail financial services contributed over 55% to both the bank's revenue and profit during the first half of the year [1]

Financial Performance - The company reported a significant increase in net profit for the first half of 2025, reaching RMB 30 billion, representing a year-on-year growth of 12%[2]. - The company's operating revenue for the first half of 2025 was RMB 169,969 million, a decrease of 1.72% compared to RMB 172,945 million in the same period of 2024[15]. - Net profit for the first half of 2025 was RMB 75,405 million, showing a slight increase of 0.03% from RMB 75,379 million in the first half of 2024[15]. - The net cash flow from operating activities increased by 24.29% to RMB 134,461 million compared to RMB 108,180 million in the first half of 2024[15]. - The annualized average return on total assets (ROAA) was 1.21%, down by 0.11 percentage points year-on-year[32]. - The annualized average return on equity (ROAE) was 13.85%, down by 1.59 percentage points year-on-year[32]. - The group achieved a non-interest net income of CNY 63.884 billion, a year-on-year decrease of 6.73%, accounting for 37.59% of total revenue, down 2.02 percentage points[160]. Asset Quality and Loans - The loan quality analysis shows a non-performing loan ratio of 1.5%, which is stable compared to the previous period[2]. - The non-performing loan ratio improved to 0.93% as of June 30, 2025, down from 0.95% at the end of 2024[22]. - The company's loan balance was RMB 3,089.69 billion, representing 43.42% of the total, with a non-performing loan (NPL) amount of RMB 28.65 billion and an NPL ratio of 0.93%, down 0.13 percentage points from the previous year[96]. - The total amount of overdue loans reached RMB 97,084 million, representing an increase of RMB 52.09 million from the previous year, with an overdue loan ratio of 1.36%[106]. - The company’s total non-performing loans were RMB 61,923 million, which is 0.92% of total loans and advances[99]. - The company’s consumer credit business reported an NPL amount of RMB 22.018 billion, an increase of RMB 1.345 billion year-on-year, with an NPL rate of 1.64%, up 0.10 percentage points year-on-year[175]. Capital Adequacy and Regulatory Compliance - The capital adequacy ratio stands at 13.5%, exceeding the regulatory requirement of 10.5%[2]. - The capital adequacy ratio as of June 30, 2025, was 18.56%, a decrease of 0.49 percentage points compared to the end of 2024[115]. - The core tier 1 capital adequacy ratio was 14.00%, down by 0.86 percentage points from the end of 2024[115]. - The company maintained compliance with capital and leverage ratio regulatory requirements throughout the reporting period[111]. Customer Growth and Engagement - User data indicates that the number of active retail banking customers has grown to 50 million, an increase of 15% compared to the previous year[2]. - The total number of retail customers reached 216 million, an increase of 2.86% from the end of the previous year[136]. - Monthly active users of the company's apps reached 121 million, enhancing customer service experience through AI technology[145]. - The number of wealth product holding customers reached 61.07 million, reflecting a growth of 4.90% year-on-year[181]. Strategic Initiatives and Investments - The company plans to expand its market presence in Southeast Asia, aiming for a 20% increase in overseas revenue by 2026[2]. - A strategic acquisition of a fintech startup was completed, expected to enhance the company's digital service capabilities and contribute an additional RMB 1 billion in revenue by 2025[2]. - The company has invested RMB 500 million in research and development for new technologies, focusing on AI and blockchain solutions[2]. - The company has implemented various marketing activities to boost consumption, particularly during holiday seasons and major e-commerce promotions[186]. Revenue Streams and Financial Products - The company's interest income from loans and advances was RMB 119.08 billion, a year-on-year decrease of 9.93%[38]. - The company's investment interest income was RMB 44.93 billion, a year-on-year increase of 8.05%[40]. - Wealth management commission and fee income increased by 11.89% to RMB 12,797 million from RMB 11,437 million year-on-year[58]. - The retail financial business generated a pre-tax profit of RMB 52.04 billion, a year-on-year increase of 1.64%, accounting for 58.53% of the group's total pre-tax profit[129]. Technology and Innovation - The company saved 4.75 million hours of labor through AI efficiency improvements, generating approximately 390 million CNY in economic benefits[151]. - The company launched a new product pricing management system, enhancing pricing management precision and intelligence[149]. - The cloud platform's overall availability exceeded 99.999%, supporting robust technology infrastructure[151]. - The company enhanced its AI capabilities to improve operational efficiency and customer experience, focusing on financial technology applications[186].

招商银行股份有限公司 2025 年半年度第三支柱报告 1.2 并表范围 根据《商业银行资本管理办法》相关规定，本集团资本监管指标计算范围 包括招商银行及其子公司。截至报告期末，本集团符合资本并表范围的子公司 包括：招商永隆银行、招银国际、招银金租、招银理财、招商基金、招商信诺 资管和招银欧洲。 CHINA MERCHANTS BANK CO., LTD. | | | | 1. | 引言 3 | | --- | --- | | 1.1 | 披露依据 3 | | 1.2 | 并表范围 3 | | 1.3 | 披露声明 3 | | 2. | 释义 4 | | 3. | 风险管理、关键审慎监管指标和风险加权资产概览 5 | | 3.1 | KM1 监管并表关键审慎监管指标 5 | | 3.2 | OV1 风险加权资产概况 6 | | 4. | 资本和总损失吸收能力的构成信息 8 | | 4.1 | CCA 资本工具和合格外部总损失吸收能力非资本债务工具的主要特征...8 | | 4.2 | CC1 资本构成 8 | | 4.3 | CC2 集团财务并表和监管并表下的资产负债表的差异 11 | | 5. | 信用风险 ...

每经AI快讯，8月29日，招商银行公告，2025年上半年营业净收入1699.23亿元，同比下降1.73%；归属 于本行股东的净利润749.3亿元，同比增长0.25%。 （文章来源：每日经济新闻） ...