中证报中证网讯（记者 齐金钊）8月7日，招商银行（600036）在深圳举办2025财富合作伙伴论坛。招 商银行与头部基金、理财、保险、私募、信托等众多机构齐聚一堂，共同探讨大财富管理高质量发展新 路径。 招商银行介绍，该行成立38年以来，综合实力不断增强，在英国《银行家》最新公布的全球银行1000强 榜单中，按一级资本排名，该行位列第8位。当前，招商银行为超2亿个人客户提供优质服务，管理零售 客户总资产规模（AUM）超过16万亿元，资产托管规模超过24万亿元，资产管理规模近4.5万亿元。此 外其零售代销保险总规模已突破1万亿元大关。 在业内人士看来，当前，我国大财富管理行业面临新趋势、新变化、新机遇。一方面，在经济金融全球 化发展格局中，我国大财富管理具有巨大发展潜力。另一方面，我国金融业已进入低利率时代，将对大 财富管理产生深远影响。当前，客户需求变化对大财富管理能力提出了更高的要求。而以AI为代表的 科技革命加速演进，将给大财富管理带来颠覆性影响。 针对上述趋势和变化，招商银行表示，该行高度重视财富管理和资产管理业务，始终坚持高质量发展， 并取得了明显成效，其具体体现在四大方面。 一是业务模式更加长期有效 ...

8月7日，招商银行在深举办"财富启新程湾区共潮生——2025财富合作伙伴论坛"，头部基金、理财、保 险、私募、信托机构齐聚粤港澳大湾区，共商大财富管理高质量发展新征程。 目前，粤港澳大湾区经济总量已达14.8万亿元人民币，比肩全球三大湾区。招商银行行长王良在论坛致 辞时表示，中国财富资管已经迈入了全球化发展的新阶段，要充分依托粤港澳大湾区的区位优势，依托 香港"超级联系人""超级增值人"的角色功能，积极融入全球财富资管市场，服务客户财富保值增值。招 行愿与所有合作伙伴相互支持、携手并进，共同推动大财富管理高质量发展。 招行成立38年以来，不断发展壮大，综合实力不断增强，在英国《银行家》刚刚公布的全球银行1000强 榜单中，按一级资本排名，招行位列第8位。当前，招行为超2亿个人客户提供优质服务，管理零售客户 总资产（AUM）规模超过16万亿元，资产托管规模超过24万亿元，资产管理规模近4.5万亿元，在财富 资管的"长坡厚雪"上跑出了加速度。 此外，招商银行在会上宣布，其零售代销保险总规模已突破1万亿元人民币大关。 把握"五大变化"，推动大财富管理高质量发展 当前，我国大财富管理行业面临新趋势、新变化、新机遇。 ...

Core Insights - China Merchants Bank (CMB) has achieved a retail AUM exceeding 16 trillion RMB and insurance sales surpassing 1 trillion RMB, indicating strong growth in wealth management [1][2] Group 1: Industry Trends - The wealth management industry in China is experiencing significant potential for growth, with the asset management scale accounting for 17.4% of the global market and projected annual growth of 8-10% [3] - The transition to a low-interest-rate environment poses challenges and opportunities for wealth management institutions, necessitating a balance between risk, return, and liquidity [3] - Customer demand is evolving towards a more comprehensive and global approach, requiring wealth management firms to enhance service capabilities [3] Group 2: CMB's Strategic Initiatives - CMB emphasizes a long-term effective business model, focusing on AUM rather than just sales, which has led to steady growth [5] - The bank has established a balanced business structure, utilizing a multi-asset allocation service system to cater to diverse client needs [5] - CMB is enhancing customer experience through a focus on product management and risk control, ensuring a stable and positive client journey [6] Group 3: Technological Advancements - The bank is leveraging technology, particularly AI, to transform its service delivery and operational models, aiming to become a leading intelligent bank [6][8] - CMB is committed to a digital transformation strategy that integrates cloud, AI, and data intelligence to improve efficiency and service quality [6] Group 4: Collaborative Initiatives - CMB proposes five key initiatives for the wealth management sector, including enhancing financial strength, creating long-term value, and providing global asset allocation services [7][8] - The bank aims to lead in the "AI + Finance" space, fostering collaboration with partners to build a robust financial ecosystem [8] - CMB emphasizes adherence to market regulations and self-discipline to promote a sustainable wealth management environment [8]

Core Viewpoint - The article highlights the significant achievements of China Merchants Bank (CMB) in wealth management, emphasizing its retail assets under management (AUM) surpassing 16 trillion yuan and its insurance distribution scale exceeding 1 trillion yuan, while discussing the trends and future directions of the wealth management industry in China [2][5][4]. Group 1: Key Achievements - CMB's retail AUM has exceeded 16 trillion yuan, with total asset custody surpassing 24 trillion yuan and asset management nearing 4.5 trillion yuan [4]. - The bank serves over 200 million individual customers, showcasing its extensive reach and service capabilities [4]. - CMB's retail insurance distribution has crossed the 1 trillion yuan mark, indicating a strong position in the insurance market [5]. Group 2: Industry Trends - The wealth management industry in China is experiencing significant growth potential, with the asset management scale accounting for 17.4% of the global market and expected annual growth of 8-10% [8]. - The transition to a low-interest-rate environment poses challenges and opportunities for wealth management institutions, necessitating a focus on creating low-risk, stable-return products [8]. - Customer demand is evolving towards a more comprehensive and global approach, requiring wealth management firms to enhance their service capabilities [8]. Group 3: Development Initiatives - CMB emphasizes the need for transformation in wealth management, advocating for a shift from local competition to international development and from scale-oriented to investor-centric approaches [9]. - The integration of AI technology is seen as a transformative force in wealth management, reshaping service methods, operational models, and product offerings [9]. - CMB is committed to high-quality development in wealth management, focusing on long-term effectiveness, balanced business structure, improved customer experience, and efficient technological support [10][11][12]. Group 4: Strategic Proposals - CMB proposes five initiatives for the future of wealth management, including becoming builders of a financial powerhouse, creators of long-term value, service providers for global asset allocation, pioneers in AI and finance, and practitioners of market norms [14][15].

新华财经深圳8月7日电（记者吴丛司）8月7日，招商银行在深举办"财富启新程 湾区共潮生——2025财 富合作伙伴论坛"，头部基金、理财、保险、私募、信托机构齐聚粤港澳大湾区，共商大财富管理高质 量发展新征程。 目前，粤港澳大湾区经济总量已达14.8万亿元人民币，比肩全球三大湾区。招商银行行长王良在论坛致 辞时表示，中国财富资管已经迈入了全球化发展的新阶段，要充分依托粤港澳大湾区的区位优势，依托 香港"超级联系人""超级增值人"的角色功能，积极融入全球财富资管市场，服务客户财富保值增值。 在英国《银行家》刚刚公布的全球银行1000强榜单中，按一级资本排名，招行位列第8位。当前，招行 为超2亿个人客户提供优质服务，管理零售客户总资产（AUM）规模超过16万亿元，资产托管规模超过 24万亿元，资产管理规模近4.5万亿元。此外，招商银行在会上宣布，其零售代销保险总规模已突破1万 亿元大关。 王良表示，针对这些趋势和变化，招商银行高度重视财富管理和资产管理业务，始终坚持高质量发展， 并取得了明显成效。 一是业务模式更加长期有效。在高质量发展的路线指引下，伴随着降费政策的相继落地，银行财富管理 模式在持续推进从GMV到A ...

Core Viewpoint - Suzhou Bank successfully held the 2025 Wealth Festival and celebrated its 15th anniversary, emphasizing its mission of "serving the people" and the brand image of "heartfelt wealth management" [1][3] Group 1: Event Highlights - The event was attended by leaders from various financial institutions and over 300 representatives from business associations and VIP clients [1] - The bank's president and vice president participated in the event, showcasing the institution's commitment to local economic development [1][3] Group 2: Strategic Goals and Vision - The Suzhou Municipal Financial Office emphasized the importance of strengthening wealth management institutions and fostering collaboration among financial entities to enhance the competitiveness of China's financial system [3] - Suzhou Bank aims to continue its mission of safeguarding residents' wealth and providing high-quality wealth management services, aligning with its core values of stability, professionalism, and innovation [4][6] Group 3: Financial Performance and Growth - As of the end of Q1 2025, Suzhou Bank's total assets exceeded 720 billion yuan, a 15-fold increase since its establishment, with personal financial assets surpassing 383.6 billion yuan and personal wealth management scale nearing 120 billion yuan [5] - The Su Xin Fund, established one year ago, has a management scale of nearly 16 billion yuan and aims to be a protector of client interests and a pioneer in industry reforms [5] Group 4: Future Outlook - The bank plans to enhance its "Su Xin Wealth" brand and continue developing a comprehensive service system that caters to clients throughout their financial lifecycle [4][6] - The event featured a macroeconomic outlook presentation and discussions on future plans for the Su Xin Fund, reinforcing the bank's commitment to long-term client relationships and responsible financial management [5]

用前场, 掌握财经资讯, 器参加币场,则富快人- 近日, 全球"零售银行品牌价值排行 榜 "由国际权威 威 品 牌 评 估 机 构 Brand Finance发布,农业银行连续第四年位居 榜首。 荣膺国际权威评估机构 BRAND FINANCE 全球"零售银行品牌价值排行榜" 榜首 2022年-2025年 compa 2024年,农业银行坚持稳中求进、 房贷客户。 聚焦民生实事 全力办好自姓金融 农业银行浓墨落笔养老金融大文章, 构建"3+2"养老金融服务体系，推广个人 养老金，加大适老化产品和服务资源配 置,加强养老产业金融支持,促进扩大普 惠养老服务和银发经济发展。优化老年 人、外籍来华人员等群体支付服务体验, 提升支付便利性。 聚焦客户需求 服务品质向优向精 农业银行坚持把服务人民群众美好生 活需要作为高质量发展的价值坐标，深化 分群、分层客户服务，提升客户体验，矢 志打造客户首选的主办银行。做好"存款 +财富管理+其他产品/服务"的大财富管理 以进促稳,认真贯彻落实党中央决策部 署, 全力做好"五篇大文章"和扩内需、促 消费等金融服务,以金融之力书写"人民 至上"的时代答卷。截至2024年末，农业 银 ...

Core Insights - The private banking business of several listed banks is experiencing rapid growth, becoming a key driver for retail banking amidst pressure on net interest margins and slowing retail business growth [1][4] Group 1: Private Banking Performance - As of the end of 2024, major banks like ICBC, ABC, CCB, and BOC have over 100,000 private banking clients, with ICBC leading at 289,000 clients, a 9.9% increase year-on-year [2] - The total assets under management (AUM) for private banking at ICBC, ABC, and BOC have surpassed 3 trillion yuan, with ABC and BOC showing significant growth rates of 18.87% and 16.73% respectively [2][3] - CCB, Ping An Bank, and others have also achieved AUM in the trillion yuan range, with notable year-on-year growth [3] Group 2: Market Dynamics and Challenges - The private banking sector is characterized by weak cycles, low volatility, and high value, making it an important non-interest income growth point for banks [4] - Despite the growth, challenges such as product homogenization, uneven personnel quality, and intense competition are present [4][5] - The trend of narrowing net interest margins is expected to continue, and the effectiveness of private banking in boosting non-interest income remains to be seen [4] Group 3: Client Segmentation and Service Innovation - Different banks have varying thresholds for private banking clients, with ICBC requiring a minimum asset level of 10 million yuan [3] - The focus is shifting towards high-net-worth individuals, who have a stronger risk tolerance and more certain financial needs, making them a key target for wealth management [6] - Banks are increasingly integrating non-financial services such as legal, tax, and healthcare into their offerings to enhance the value provided to private banking clients [6][7]

解析招商银行零售业绩: AUM增一成多，私行客户增长加速 "零售之王"公布去年成绩单。3月25日，招商银行发布2024年度报告。去年，该行营收同比下降0.48%，归属于本行股东的净利润同比增长1.22%。 在几大业务板块中，招商银行零售金融税前利润同比下降9.56%，一定程度上反映了在息差收窄等大背景下，零售业务的承压。但如果从零售客户数和 管理零售客户总资产(AUM)来看，其零售业务依然保持较好的发展势头：去年该行零售客户总数较上年末增长6.60%，AUM余额较上年末增长12.05%。而若 从AUM结构和户均AUM来看，其"零售之王"的称号依然是实至名归。 "做强做好重资本业务，做优做大轻资本业务，持续优化大财富管理服务模式。"展望2025年，招商银行董事长缪建民如此强调道。 净利息收入同比降1.58% 预计今年收益率继续承压 根据财报，去年，招商银行实现营业收入3374.88亿元，同比下降0.48%；实现归属于本行股东的净利润1483.91亿元，同比增长1.22%，在前三季度净利 润负增长的情况下，全年仍然实现了正增长。缪建民评价称，"实现了稳中有进、进中向好的经营成效"。 具体来看，去年招商银行净利息收 ...

刚刚，招行发布！ 3月25日晚间，有"零售之王"之称的招商银行披露2024年年报，成为市场关注的焦点。 2024年宏观经济、资本市场震荡起伏，招商银行交出的成绩单依旧可圈可点。规模方面，招商银行总资产突破12万亿元，较上年末增长10.19%；存 款突破9万亿元，较上年末增长11.54%。2024年，招商银行实现营业收入3374.88亿元，同比下降0.48%；实现归属本行股东的净利润1483.91亿元，同比增 长1.22%。 同日，招商银行拟向全体股东每股派发现金红利人民币2元（含税）。截至2024年12月31日，公司普通股总股本252.2亿股，以此计算合计拟派发现金 红利约人民币504.40亿元（含税）。2024年度本公司现金分红比例为35.32%（即现金分红占合并报表中归属于公司普通股股东的净利润的比例）。 备受关注的私人银行方面，截至2024年末，私人银行客户数达到169100户，较上年末增长13.61%。 基金代销方面，尽管2024年招商银行代销的非货币基金销售额同比实现翻倍增长，但受到基金降费及权益类基金保有规模下滑等多重影响，代理基金 收入同比出现下滑。 | 总资产 | 较上年末增长 | | --- ...