投资教育润无声 理性观念入心田 转自：新华财经 金秋九月，内蒙古呼和浩特第三届社区邻里节温情启幕，招商银行呼和浩特分行联合信用卡中心精心策划了一场别开生面的金融知识宣传活动，通过"答题 赢果蔬"趣味互动、特色文艺表演等多元形式，将惠民服务、投资教育、风险警示与诚信文化送到居民身边，让"服务为民"的初心融入邻里烟火。 惠民服务暖人心 适老关怀更贴心 活动现场特别开辟了"平安邻里角"，工作人员耐心指导老年群体使用手机银行的长辈版功能，手把手教授字体放大、语音辅助等贴心设置。同时，还推广 了"五险一金"一站式查询服务，让市民足不出户即可通过招商银行App便捷查询社保、公积金等民生信息。 这种"趣味答题+生活奖品"的创新形式，让原本严肃的金融知识变得生动有趣。活动现场，老人们专注思考的神情、年轻人抢答成功的喜悦、孩子们帮长辈 核对答案的温馨场景，构成了一幅"学知识、领果蔬、话家常"的生动画面。"以前总觉得金融知识离咱们老百姓很远，今天边挑菜边答题，很快就记住了不 轻信陌生链接、存款保险保本金这些实用知识"居民李女士高兴地说。 诚信文化传四方金融为民显担当 活动特别邀请了二人转表演团队，通过传统艺术形式生动演绎诚信文化 ...

Core Viewpoint - The article discusses the 2025 Financial Education Promotion Week organized by various financial regulatory bodies in Shenzhen, aiming to enhance public financial literacy and risk awareness through a series of engaging activities and initiatives [13][15]. Group 1: Event Overview - The 2025 Financial Education Promotion Week will take place from September 15 to 21, organized by the Shenzhen Financial Regulatory Bureau, the People's Bank of China Shenzhen Branch, and other local financial authorities [13]. - The event includes a series of activities designed to raise awareness about financial knowledge and consumer rights, particularly targeting vulnerable groups such as the elderly and students [17][18]. Group 2: Activities and Initiatives - The Shenzhen branch of China Merchants Bank has launched the "Year of 'Zhen' Good, Accompanied by 'Zhao'" campaign, utilizing both online and offline platforms to enhance the effectiveness of financial education [14][15]. - Various interactive activities, such as games and workshops, are designed to make learning about finance enjoyable and accessible, including the distribution of financial knowledge materials and the use of engaging visual designs [16][19]. Group 3: Target Audience - The campaign specifically targets different demographics, including the elderly, students, and new employees in various sectors, to provide tailored financial education and promote rational investment and consumption behaviors [17][19]. - The initiative aims to reach out to communities, schools, and workplaces, ensuring that financial knowledge is disseminated widely and effectively [15][18].

Group 1 - The article highlights the increasing complexity of telecom network fraud methods, emphasizing the need for public awareness and knowledge to protect personal finances [1] - A joint initiative by Wanglian Clearing Co., Ltd. and Financial Times is announced, featuring an online quiz on anti-fraud knowledge scheduled from September 4 to September 15, 2025 [1][2] - Participants scoring 95 or above will receive a digital certificate, while those achieving a perfect score will enter a lottery for a chance to win a Tencent Video monthly subscription, with a total of 300 prizes available [3] Group 2 - The article provides detailed steps for participation in the quiz, including following the Financial Times WeChat account and accessing the quiz section [6] - Each participant is limited to two attempts per day from a single IP address during the quiz period [6]

Group 1 - The article promotes a giveaway event where participants can win shopping cards worth 100 yuan each, with a total of 10 cards available for free draw [2][4] - To participate, users must like and recommend the article, and answer a question correctly in the comments section to qualify for the draw [2][4] - The event encourages user engagement by increasing the number of shopping cards based on the total likes and recommendations received, with a potential maximum of 10 additional cards [4] Group 2 - The article highlights the "Three Funds for Retirement" feature in the招商银行App, which aims to provide a structured approach to retirement planning [2] - Users are prompted to find the correct answer regarding the three funds mentioned in the retirement planning module [2]

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 股股票代碼：600036 招商銀行股份有限公司 2025年半年度報告 招商银行股份有限公司 2025年半年度报告（A股） 目录 1 目录 2 释义 2 重大风险提示 2 备查文件目录 3 重要提示 4 第一章 公司基本情况 6 第二章 会计数据和财务指标摘要 10 第三章 管理层讨论与分析 10 3.1 总体经营情况分析 ...

Group 1 - The article emphasizes the importance of digital banking applications in enhancing user experience and convenience in financial services [4][6] - It highlights the features of the招商银行App, which integrates payment, wealth management, and borrowing services into a single platform [4][6] - The article encourages user engagement through features like sharing, liking, and commenting, indicating a focus on community building and user interaction [6][7] Group 2 - The article promotes the subscription to the "小招喵的掌上生活" account for exclusive monthly wallpapers, suggesting a strategy to increase user retention and engagement [2][3] - It mentions promotional activities such as zero-cost giveaways to attract new users and retain existing ones [7]

Group 1 - The May 2025 Bank Social Media Index (SMI) shows that the rankings are still concentrated at the lower end, primarily involving small and medium-sized banks [1] - Four banks, including Zheshang Bank and Hebei Bank, dropped out of the top rankings, while banks like Pudong Development Bank and Zhengzhou Bank entered the list [1] - The SMI is based on a quantitative model that tracks and analyzes the performance of 202 commercial banks across platforms like Douyin and WeChat [7][36] Group 2 - Popular Douyin videos from banks are closely tied to current hot topics and widely appealing themes, such as the Dragon Boat Festival and youth culture [2] - Notable content includes a series by WeBank that tells the story of a grandfather selling dumplings at a low price, which gained significant user engagement with 51,000 likes [2] - Banks are encouraged to move away from traditional promotional methods to attract user engagement, as demonstrated by Guangfa Bank's creative approach combining storytelling with anti-fraud education [2] Group 3 - The top-performing videos on video platforms often leverage holiday themes, with banks like Dongguan Bank promoting discounts during the Dragon Boat Festival and 618 shopping festival [3] - The WeChat public account rankings primarily focus on welfare and benefits for users [3] Group 4 - The rankings for Douyin and video platforms show that banks like China Merchants Bank and WeBank are leading in user engagement metrics [5][6] - The index reflects the banks' ability to create engaging content and accumulate followers across social media platforms [7][36] Group 5 - The public account rankings highlight various banks offering promotional activities, such as China Construction Bank providing benefits for members and China Agricultural Bank promoting commemorative coins [34][36] - The data indicates a trend where banks are increasingly utilizing social media to enhance customer engagement and promote their services [36]

【银行 六合招行消保 RIP↑ 人金融信息安全 助你守护钱袋子 HP = 5 列 李女士收到一条短信,短信内容显 示她的银行账户异常,需要点击链 +11 1 . 接进行啦址。学又士点击键技后, 进入了一个假冒的银行网站,并按 照提示输入了银行卡卡号、密码等 敏感信息。不久后，她发现自己银 行账户内的钱已经被转走。 什么是个人金融信息 消费者金融信息,是指银行、支付 机构通过开展业务或者其他合法渠 道处理的消费者信息,包括个人身 份信息、财产信息、账户信息、信 用信息、金融交易信息及其他与特 定消费者购买、使用金融产品或者 服务相关的信息。 FILE = SUBS 1、随意填写或处置个人信息: 如填问卷送小礼品、注册即送大礼、填个人 资料赢抽奖机会等,均有可能泄露个人金 融信息。随意处置含有名字、身份证号、 住址、电话等敏感信息的车票、快递单、 购物凭证等,也可能泄露个人金融信息。 随便扫码或连接不明免费WI-FI，会使电 子设备被恶意攻击导致设备内银行卡号、 六日小青年五人人出此的纪念世界 ズ勿岱旧寺里安 | 八立胭后尽儿路。 4、个人金融信息被倒卖或者盗取 遭致湘露: 不法分子利用技术手段窃取用户信息、黑 ...

Core Insights - The core viewpoint of the articles is that China Merchants Bank (CMB) is leveraging artificial intelligence (AI) to enhance its operations and create a new growth trajectory, marking a significant shift in its technology strategy from "Digital CMB" to "Smart CMB" [1][2][3]. Group 1: AI Strategy and Implementation - CMB's AI strategy has been elevated, focusing on the integration of AI technologies, particularly large language models, into its operations [2][4]. - The bank has reported over 120 applications of large models across various sectors, achieving a total of 26 million hours of labor savings through intelligent applications [4]. - CMB's AI assistant, "AI Xiao Zhao," is the first in the banking industry to utilize large models, significantly improving efficiency in financial processes [4]. Group 2: Technological Advancements and Investments - CMB's technology investments reached 13.35 billion yuan in 2024, accounting for 4.37% of its operating income, with a workforce of 10,900 dedicated to research and development [3]. - The bank's historical technological innovations have positioned it among the top tier of global banks, particularly in cloud computing and mobile internet technologies [3][5]. - CMB has achieved a "cloud revolution" in computing power over three years, enhancing the efficiency and cost-effectiveness of its large model development [6][7]. Group 3: Competitive Landscape - The global banking sector is witnessing a race in AI adoption, with major international banks like JPMorgan Chase and DBS Bank also integrating AI into their operations [5]. - CMB's competitive edge lies in its integrated capabilities in computing power, algorithms, and data, supported by a vast customer base of over 200 million retail clients and 3 million corporate clients [6][7]. - The bank's strategy emphasizes a hybrid model of human and AI collaboration, ensuring a balance between speed and personalized service [8].

Core Viewpoint - China Merchants Bank reported a stable growth in 2024 despite a complex macroeconomic environment, with a slight decline in net interest margin and a modest increase in net profit year-on-year [1][2]. Financial Performance - Q4 2024 net profit was CNY 35.207 billion, a decrease of approximately 8.42% quarter-on-quarter; full-year net profit reached CNY 148.391 billion, up 1.22% year-on-year [1][2]. - Total operating income for Q4 was CNY 84.779 billion, with full-year income at CNY 337.488 billion, a slight decrease of 0.48% year-on-year [1][2]. - The net interest margin for 2024 was 1.98%, down 17 basis points year-on-year, while Q4 saw a further decline to 1.94% [1][7]. Asset and Liability Management - Total assets exceeded CNY 12 trillion, growing by 10.19%, and customer deposits surpassed CNY 9 trillion, increasing by 11.54% [1]. - Non-performing loan ratio remained stable at 0.95%, with a provision coverage ratio of 411.98% [1]. Revenue Breakdown - Net interest income was CNY 211.277 billion, down 1.58% year-on-year, accounting for 62.60% of total revenue [4]. - Non-interest income reached CNY 126.211 billion, up 1.41% year-on-year, representing 37.40% of total revenue [4]. Strategic Initiatives - The bank is accelerating its transformation from "Online Bank" to "Smart Bank," with a technology investment of CNY 13.35 billion, representing 4.37% of revenue [6]. - The launch of the first open-source financial model in the domestic banking sector, named "Yizhao," highlights the bank's commitment to integrating AI into various business scenarios [6]. Business Segmentation - Retail banking remains the primary revenue contributor, accounting for 58.32% of total revenue, with retail customer assets nearing CNY 15 trillion [5]. - The bank's corporate banking segment also showed growth, with a customer base of 3.1664 million, an increase of 12.26% year-on-year [5].