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 ...

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].

招商银行去年Q4净利润352.07亿，净息差环比下降3个 基点，拟每股派息2元 | 财报见闻 在外部宏观经济复杂多变的背景下，招商银行2024年实现稳健增长，2024年第四季度净利息收益率（净息 差）环比下降3个基点至1.94%，2024年净利润同比增长1.22%，净息差为1.98%，同比下降17个基点。 周二晚间，招商银行发布2024年四季度及全年财报，具体来看： 数智化转型加速推进：信息科技投入133.50亿元，占营业收入的4.37%，发布国内银行业首个开源 百亿参数金融大模型； | | | | 本年比上年 | | | --- | --- | --- | --- | --- | | (人民币百万元,特别注明除外) | 2024年 | 2023年 | 增减(%) | 2022年 | | 经营业绩 | | | | | | 营业收入 | 337,488 | 339,123 | -0.48 | 344.783 | | 营业利润 | 179,019 | 176,663 | 1.33 | 165.156 | | 利润总额 | 178.652 | 176,618 | 1.15 | 165.113 | | 净利润 | 1 ...