招商银行股份有限公司 2022年度业绩摘要 前瞻性陈述免责声明 本演示稿及后续讨论可能包含涉及风险和不确定因素的前瞻性声明。这些声明通常使用"相信""预 计""预期""估计""计划""预测""目标""可能""将"等前瞻性术语表述或者可能表述为可能或预 期将于未来发生的行动的结果。阁下不应过分依赖此等仅适用于本演示稿发表日的前瞻性声明。这些前瞻性声 明的依据是我们自己的信息和来自我们认为可靠的其他来源的信息。该等前瞻性声明与日后事件或本行日后财 务、业务或其他表现有关，并受若干可能会导致实际结果出现重大差异的不明确因素的影响。 备注： 1.本材料中，除特别注明外，财务指标采用本集团口径数据，业务指标采用本公司口径数据。 2.部分2022年财务数据经过追溯调整。 3.除特别注明外，本材料数据均为国际会计准则（IFRS）数据，货币币种均为人民币。 4.部分数据存在四舍五入。 2 目 录 1、业绩概览 2、经营信息 3、展望与策略 3 1 业绩概览 有效应对各项挑战，经营效益稳中向好 （单位：亿元） 3,314.07 3,447.40 2021 2022 4.02% 营收增速保持平稳 1.36% 1.42% 16.9 ...

A 股简称:招商银行 A 股代码:600036 公告编号:2023-063 一、审议通过了《招商银行高级管理人员履职评价办法》。 同意：9 票 反对：0 票 弃权：0 票 二、审议通过了《招商银行高级管理人员离任审计办法（2023 年 修订版）》。 同意：9 票 反对：0 票 弃权：0 票 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 2023 年 11 月 3 日以电子邮件方式发出第十二届监事会第二十二次会议通知，于 11 月 7 日在招商银行总行大厦召开会议。经全体监事一致推举，由 蔡进监事主持会议。会议应表决监事 9 名，实际表决监事 9 名，总有 效表决票为 9 票。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： 特此公告。 招商银行股份有限公司监事会 2023 年 11 月 7 日 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2023-062 王颖女士和彭家文先生担任本公司副行长的任期自核准日2023年11 月1日起生效，至本公司第十二届董事会届满之日止。王颖女士和彭家文 先生的简历及相关信息请参阅本公司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）日期为2023年9 月19日的董事会决议公告。 特此公告。 招商银行股份有限公司董事会 2023 年 11 月 3 日 关于副行长任职资格核准的公告 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。 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 监督管理总局关于招商银行王颖任职资格的批复》（金复〔2023〕413号） 和《国家金融监督管理总局关于招商银行彭家文任职资格的批复》（金 复〔2023〕414号）。根据上述批复，王颖女士和彭家文先生招商银行副 行长的任职资格已获得核准。 招商银行股份有限公司 ...

China Merchants Bank Co., Ltd. (OTCPK:CIHKY) Q3 2023 Results Conference Call October 29, 2023 9:30 PM ET Company Participants Xia Yangfang - General Manager of the Office of the Board of Directors Peng Jiawen - Executive Assistant President and CFO and Secretary of the Board of Directors Zhu Jiangtao - General Manager of Risk Management Department Li Li - General Manager of Finance and Accounting Department Hou Weirong - President of Corporate Finance Department Li Ming Dong - General Manager of Wealth Plat ...

Capital Adequacy and Financial Ratios - As of September 30, 2023, the core Tier 1 capital adequacy ratio was 12.86%, down 0.37 percentage points from the end of 2022[6] - The return on risk-adjusted capital (RAROC) was 27.86%, maintaining a high level[6] - The core tier 1 capital adequacy ratio as of September 30, 2023, was 13.37%, a decrease of 0.31 percentage points from the end of 2022[37] - The average return on total assets (ROAA) was 1.46%, down 0.04 percentage points year-on-year[63] - The average return on equity (ROAE) was 17.38%, a decrease of 0.84 percentage points compared to the previous year[63] - The provision coverage ratio was 468.96%, up 1.53 percentage points from the end of the previous year[124] - The loan provision ratio stood at 4.39% at the end of the reporting period[124] Customer and Asset Growth - The number of retail customers reached 194 million, an increase of 5.43% compared to the end of 2022[13] - The total assets under management (AUM) for retail customers amounted to RMB 13,080.39 billion, reflecting a growth of 7.90% from the end of 2022[13] - The number of high-net-worth clients (with average total assets of RMB 500,000 or more) increased to 4.5292 million, up 9.31% year-on-year[13] - The total asset management scale of subsidiaries, including CMB Wealth Management and CMB Fund, reached RMB 4.53 trillion, a growth of 2.72% from the end of 2022[14] - The total assets of the company reached RMB 10,668.01 billion, up from RMB 10,138.91 billion at the end of 2022[17] - Total assets as of September 30, 2023, reached RMB 10,668,009 million, an increase of 5.22% compared to the end of 2022[30] - The total assets of the group reached CNY 10,668.009 billion, growing by 5.22% compared to the end of the previous year[66] Profitability and Income - The net profit attributable to shareholders for the first three quarters of 2023 was RMB 80.12 billion, representing a year-on-year increase of 6.5%[6] - The bank's net profit attributable to shareholders increased to RMB 560,687 million, up from RMB 492,971 million, indicating a growth of 13.75%[20] - Net profit attributable to shareholders for the first nine months of 2023 was RMB 113,890 million, a year-on-year increase of 6.52%[40] - The company reported a net interest income of RMB 162,286 million for the first nine months of 2023, remaining stable compared to the previous year[40] - Total operating income for the first nine months of 2023 was RMB 260,279 million, a slight decrease of 1.72% year-on-year[40] - The total profit for the first nine months of 2023 was RMB 122,777 million, an increase from RMB 117,895 million in the same period of 2022[100] Loans and Advances - The loan balance stood at RMB 6,194.12 billion, an increase from RMB 5,807.15 billion at the end of 2022[17] - The total loans and advances amounted to CNY 6,455.546 billion, reflecting a growth of 6.68% year-on-year[66] - The retail loan segment accounted for 54.53% of the total loan balance, with a retail NPL balance of RMB 28.55 billion and an NPL ratio of 0.86%[92] - The company generated new NPLs amounting to RMB 45.50 billion during the reporting period, with an annualized NPL generation rate of 1.03%, a decrease of 0.10 percentage points year-on-year[96] - The company’s total loan balance in the manufacturing sector was RMB 521.35 billion, with an NPL ratio of 0.69%[92] Customer Deposits and Liabilities - Customer deposits rose to RMB 8,057,712 million, up from RMB 7,590,579 million, marking an increase of 6.16%[20] - The bank's total liabilities decreased in the category of interbank and other financial institutions' deposits to RMB 474,564 million from RMB 645,674 million, a decrease of 26.49%[20] - The group's total liabilities were CNY 9,646.670 billion, up 5.03% from the previous year, mainly due to an increase in customer deposits[82] - The net increase in customer deposits for the first nine months of 2023 was RMB 444,750 million, a significant decrease from RMB 742,989 million in the same period of 2022[104] Cash Flow and Investments - Net cash flow from operating activities for the first nine months of 2023 decreased by 63.38% year-on-year to RMB 53,648 million, primarily due to a reduction in net customer deposits[31] - Cash outflow from operating activities totaled RMB 787,494 million in the first nine months of 2023, compared to RMB 1,000,304 million in 2022, reflecting a decrease of approximately 21.3%[113] - Investment activities generated a net cash outflow of RMB 191,954 million in the first nine months of 2023, compared to RMB 273,196 million in the same period of 2022[104] - The total cash and cash equivalents at the end of September 2023 stood at RMB 383,104 million, compared to RMB 340,433 million at the end of September 2022, showing an increase of about 12.5%[115] Risk Management and Economic Outlook - The company plans to enhance risk management in key sectors and improve asset quality amid economic uncertainties[35] - The company plans to continue supporting housing demand and enhancing risk management in the real estate sector amid ongoing market changes[85] - The NPL ratio for the real estate sector increased to 5.31%, reflecting the impact of high-debt real estate companies and operational challenges faced by certain clients[91]

A 股简称:招商银行 A 股代码:600036 公告编号:2023-060 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 2023 年 10 月 13 日以 电子邮件方式发出第十二届监事会第二十一次会议通知，于 10 月 27 日以书面传 签方式召开会议。会议应表决监事 9 名，实际表决监事 9 名，总有效表决票为 9 票。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 2023 年第三季度报告，并出具如下意见： 1．本公司 2023 年第三季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； 2．本公司 2023 年第三季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、完整地反映了本公司报告期内的经营管理情况和财务 状况； 3．截至本意见出具前，未发现参与 2023 年第三季度报告编制和审议 ...

Financial Performance - For the first nine months of 2023, the group achieved a net operating income of CNY 260.231 billion, a year-on-year decrease of 1.74%[1] - The net profit attributable to shareholders was CNY 113.890 billion, reflecting a year-on-year growth of 6.52%[1] - The non-interest net income amounted to CNY 97.945 billion, down 4.64% year-on-year[1] - The company's net interest income for the first nine months of 2023 was CNY 162.286 billion, a year-on-year increase of 0.10%, accounting for 62.36% of total operating income[19] - The net profit attributable to shareholders for the third quarter of 2023 was RMB 38.14 billion, representing a year-on-year increase of 1.70%[52] - The net income for the first nine months of 2023 was RMB 113.89 billion, showing a year-on-year increase of 6.52%[52] - The net interest income for the third quarter was RMB 81.77 billion, down 4.66% compared to the same quarter last year[52] - The total operating income for the first nine months of 2023 is RMB 258.13 million, slightly down from RMB 263.12 million in the same period of 2022, a decrease of 1.1%[91] Asset Quality and Loans - As of the end of the reporting period, the group had a non-performing loan balance of CNY 61.794 billion, an increase of CNY 3.790 billion compared to the end of the previous year[2] - The non-performing loan ratio remained stable at 0.96% compared to the end of the previous year[2] - The real estate loan balance was CNY 299.543 billion, a decrease of CNY 34.172 billion from the end of the previous year, representing 4.92% of total loans[11] - The real estate sector's non-performing loan ratio increased to 5.31%, up 1.32 percentage points from the end of the previous year[11] - The company's total loan and advance balance reached CNY 609.394 billion, with a non-performing loan balance of CNY 5.699 billion, resulting in a non-performing loan ratio of 0.94%[14] - The company's retail non-performing loan balance was CNY 28.548 billion, an increase of CNY 539 million compared to the end of last year, with a non-performing loan ratio of 0.86%[16] - The company's attention to loan quality has resulted in a decrease in the balance and proportion of attention loans, with a total attention loan balance of CNY 65.196 billion, down CNY 8.274 billion from the end of last year[13] - The company generated new non-performing loans of RMB 45.495 billion, a year-on-year decrease of RMB 0.674 billion, with a non-performing loan generation rate of 1.03%, down 0.10 percentage points year-on-year[69] Customer Deposits and Liabilities - Total liabilities reached CNY 9,646.670 billion, a growth of 5.03% year-on-year, primarily driven by an increase in customer deposits[8] - Customer deposits totaled CNY 7,980.492 billion, up 5.90% year-on-year, accounting for 82.73% of total liabilities[8] - The average interest expense for customer deposits was RMB 95.266 billion, with a cost rate of 1.62% for the first nine months of 2023[20] - The bank's total liabilities as of September 30, 2023, amount to RMB 9,646.67 million, an increase from RMB 9,184.67 million at the end of last year[94] Equity and Capital Adequacy - The group’s equity attributable to shareholders was CNY 1,012.235 billion, an increase of 7.06% from the end of the previous year[9] - The company's capital adequacy ratio was 17.38%, down 0.39 percentage points from the end of the previous year[73] - The core tier 1 capital adequacy ratio was 13.37%, a decrease of 0.31 percentage points year-on-year[73] - The core Tier 1 capital adequacy ratio under the advanced approach is 13.37%, down 0.31 percentage points from the end of last year[83] Cash Flow and Investment Activities - The net cash flow from operating activities for the first nine months of 2023 was RMB 53.65 billion, a decrease of 63.38% compared to the same period last year[52] - Cash received from investment activities for the first nine months of 2023 was 924,638 million, up from 584,567 million in the same period of 2022, representing a 58.2% increase[113] - Cash received from financing activities decreased to (36,060) million in 2023 compared to (269,872) million in 2022, showing a significant improvement in cash management[113] - Cash flow from investment activities included cash received from investment income of 72,381 million, up from 59,599 million in 2022, a 21.5% increase[113] Risk Management and Strategy - The company plans to enhance financial support for housing rentals and maintain overall stability in real estate asset quality[12] - The company's focus on risk management includes strict monitoring of project risks and the differentiation of subsidiary and group risks[12] - The company aims to strengthen risk management and improve the quality of real estate assets amid a changing market environment[12] - The bank plans to enhance risk management in key sectors and improve asset quality through targeted strategies[81] Shareholder Information - The total number of ordinary shareholders as of the report date was 593,295, all of whom are unrestricted shareholders[44] - The largest shareholder, Hong Kong Central Clearing (Agent), held 4,553,984,238 shares, accounting for 18.06% of the total share capital[54] - The second-largest shareholder, China Merchants Shipping Company, held 3,289,470,337 shares, representing 13.04% of the total share capital[54] - The total number of preferred shareholders was 16, all of whom were domestic shareholders, with no restoration of voting rights reported for the preferred shares[56]

A 股简称：招商银行 A 股代码：600036 公告编号：2023-059 招商银行股份有限公司 关于副行长任职资格核准的公告 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。 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 监督管理总局关于招商银行钟德胜任职资格的批复》（金复〔2023〕382 号）。根据上述批复，钟德胜先生招商银行副行长的任职资格已获得核 准。 钟德胜先生担任本公司副行长的任期自核准日2023年10月24日起生 效，至本公司第十二届董事会届满之日止。 钟德胜先生的简历如下： 钟德胜先生，1967年7月出生，本公司副行长，华中理工大学外国经 济思想史硕士研究生学历，高级经济师。钟德胜先生1993年7月加入本公 司，历任武汉分行行长助理、武汉分行副行长、总行国际业务部总经理、 总行贸易金融部总经理、总行离岸金融中心总经理、广州分行行长、总 行公司金融总部总裁兼战略客户部总经理、本公司行长助理。兼任招银 金融租赁有限公司董事长。 特此公告。 招商银行股份有限公司董事会 2023 年 10 月 25 日 ...

A 股简称：招商银行 A 股代码：600036 公告编号：2023-058 重要内容提示： 中文：https://webcasting.bizconfstreaming.com/live/watch/od1ze6eo 英文：https://webcasting.bizconfstreaming.com/live/watch/m3jxzkno 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 ） 2023 年 第 三 季 度 业 绩 说 明 会 （ 简 称 业 绩 说 明 会 ） 问 题 收 集 邮 箱 ： cmbir@cmbchina.com。邮件收取截止时间为北京时间2023年10月30日（星期一）上午 10:00。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 为了便于广大投资者更全面深入地了解本公司2023年第三季度业绩和经营情况， 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。 二、业绩说明会召开的时间、方式 （一）会议召开时间：北京时间2023年10月30日（星期一）上午9:30-11:00 （二）会议召开方式 ...

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。 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2023年10月 27日（星期五）舉行董事會會議，藉以審議及批准刊發本公司截至2023年9月30日 止之第三季度業績公告。 招商銀行股份有限公司董事會 2023年10月16日 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） 於本公告日期，本公司的執行董事為王良及朱江濤；本公司的非執行董事為繆建 民、胡建華、孫雲飛、周松、洪小源、張健及陳冬；及本公司的獨立非執行董事 為王仕雄、李孟剛、劉俏、田宏啟、李朝鮮及史永東。 ...