招商银行2023年中期报告

2023年中期報告 22346883.183.2153.3193.4243.5293.6293.7303.8323.9383.10513.11553.1257(ESG)61687179 100% 100% 571 1.2.2023825151373.20234.5.6.7. 1.1China Merchants Bank Co., Ltd. 1.2 1.37088 1.47088518040+86 755 8319 8888+86 755 8319 5555cmb@cmbchina.comwww.cmbchina.com95555-7+86 400 820 5555-7 1.5831 1.6 A600036H039681360028 1.722230•8835 1.8 2023H 1.9A 188+86 4008 058 058 H 183171712-1716+852 2862 8555 1.10 (www.cs.com.cn)(www.stcn.com)(www.cnstock.com)(www.sse.com.cn)(www.cmbchina.com)(www.hkex.com.hk)(www.cmbchina.com) 3.1 1,784.650.34%757.529.12%1,089.961.21%694.692.68%(ROAA)(ROAE)1.45%17.55%0.010.52 107,398.365.93%63,554.395.02%97,539.236.20%80,302.326.56% 606.4126.370.95%0.01447.63%3.164.27%0.05 3.2 3.2.1 908.848.68%15.90%0.39 3.2.2 1,784.650.34%61.07%38.93%0.93 3.2.3 1,873.348.37% 1,345.922.58% 21,571.46510.964.78%40,652.06834.964.14% 391.9826.36%3.25%1 87.8532.86%2.80%86 3.2.4 783.3820.21% 624.5525.43% 99.6425.18% 38.6831.48% 3.2.5 1,089.961.21% 3.2.6 694.692.68% 470.9111.82%169.4610.21%60.155.11%100.516.12%78.010.23%30.7012.66%28.855.25%45.7037.54%3.9.2 223.7824.46%18.1433.72108.471.41%24.8044.35%56.815.95% 322.615.28%46.44%285.575.88%41.11%186.5123.89%12.45% 3.2.7 563.724.44%359.684.99%204.0423.47%29.07%1.31 3.2.8 310.5925.12% 272.9144.9614.1382.9113.2869.229.3135.250.9632.26 3.3 3.3.1 107,398.365.93% (1)20227[2022]882023 (2) 3.3.1.1 63,554.395.02%59.18%0.513.4 3.3.1.2 4,877.1617(a) 16,332.9317(b) 8,284.8517(c) 181.2417(d) 262.9610.28%1819 3.3.1.3 5.7999.54 3.3.2 97,539.236.20% (1)20227[2022]882023 (2) 80,302.326.56%82.33% 59.06%2.5758.55%1.4359.80%4.63 3.3.3 9,771.263.34%5,223.835.97%114.603.00%40.5920.50 3.4 3.4.1 606.4126.370.95%0.01651.3283.381.02%0.19 25,768.608.47%40.54%1.28326.6627.051.27%0.01 33,295.455.31%52.39%0.147,108.9312.65%279.750.680.84%0.05152.014.491.68%0.09 5,499.7618.09%8.65%0.953 3.4.5 4.27%8.69%8.57% 215.001.98%1,341.3712.35%12.69%2.11% 797.2114.361.25%0.04345.210.1029.15%27.42%43.43%901.29601.08 3.4.8 0.22%0.02 3.4.9 6.041.564.4844.56 3.4.10 2,714.4799.71447.63%3.164.27%0.0516(c) 3.5 3.5.1 11.25%9.25%8.25%4.375% 3.5.2 3.5.3 13.09%14.99%17.09%0.590.760.68 (1)20126795%90%201780% 12.60%14.63%16.80%0.630.790.71 11.16%12.78%14.19%0.360.470.49 2023H 10.61%12.31%13.72%0.360.480.50 3.5.4 21.52268.99 3.5.5 973.3577.8754.9822.89 25099%10 3.5.6 5,780.36462.43 3.6 517.8011.59%56.97%1.48989.591.42%55.45%0.9628.47%0.45 38 3.7 3.7.1 26,953.6839 3.7.2 3.8 1. ROAAROAE 2. +1.903.26%31,380.726.17%32,682.635.10%54.62%0.2664.84%0.74 264.854.85%45,997.716.51%22,696.238.23%5,242.2118.11%43,780.1416.23%7,631.2912.50%3,878.999.16% (FPA)11.98%12.93%4,298.318.78% TREE144(AUM)12.845.90%AUM76.48%AUM4,663.348.12%TREE5865.146.45%144.4120.86WIND 3. +52.063.21%3,4942,687252237 AppApp(MAU)1.11+MAUAUMApp1,541.03AIAI1,172.88140.84% 95.65%89.88%7.7473.57%8.080.5 0.11,537.87107.54% 1.593.1270%10CMBI1.69API240.4754% RPARPA+3,89521.79%67.09%RPAAIAI1.4 IT699.999%5,1009,20060%GPTFinGPT 4. 5. 78198.79% 3.9 3.9.1 2.23%2.27%2122172.16%13LPR 3.9.2 694.692.68%38.93%0.93470.9111.82%67.79%223.7824.46%258.4698.53% 169.4610.21%92.603.07%25.9025.85%28.5617.79%17.0325.54%3.7420.09%60.155.11%28.855.25%100.516.12%78.010.23% 3.9.3 4,360.835.88%2,475.4717.58%3,150.11187.045.26%0.5785%5.45%1.46 3.9.4 77,378.434,633.306.37%202220231065,607.597,030.0812.00%86.99%0.5145,226.153,600.818.65%59.96%2.222,659.33231.693.44%0.10 3.9.5 59,834.384.59%59.79%0.3632,682.635.10%54.62%0.2622,696.238.23%37.93%1.2724,236.998.58%24.22%0.75 11 3.9.6 305.091.931.04%0.0956.9333.8043.697.88204.4723.99 2,636.18102.05465.73%1.704.41%0.020.90%0.07 282.78110.51113.7656.372.14 3.9.7 3.9.3 88.17%0.2786.75%0.25 0.35%0.69%0.060.48%0.0232.60% 178.940.551.52%0.122.44%0.422.55%0.57 7 , 0 9 3 . 0 61 2 . 6 5 %11.85%0.840.56%0.080.29%0.110.63%0.10 2,485.73150.661,372.8947.252.29%0.030.14% 2023H 12 14 2,515.421387.100.96%0.34 2023 3.9.8 8.43%57.42%RAROC28.50%438.32 415.28 2022202290.75%0.375% (EVA)(RAROC)(ICAAP) 3.10 3.10.1 502.679.93%967.130.44%59.56%652.093.97%67.43%315.046.14%32.57%55.31%161.2811.36%53.46%99.866.16% + (AUM) 1.903.26%50444.157.19% 128,381.795.90%104,681.706.10%31,380.726.17%61.12% 4,663.348.12%32,392.383.21%1,526.0618.53%2022573.9454.88%494.5730.82%161.2887.2130.3425.3316.761.643.9.2 + 53.12%5.12 1.7113.56%App App1442,2122.07 TREEKYCKYPKYM13865.146.45% ++ 1,000143,1776.21%5.89%2,804.918.4722.79% 10,036.032.29%6,985.770.21%23,719.810.67%313.260.31%139.090.83%3.9.7 IPESG618+11AppApp3.10.3 152.001.68%0.09 32,682.635.10%54.62%0.2623,624.976.16%39.48%0.58 13,692.700.76%7,093.0612.65%2,723.5134.68%1,385.8714.15% 125.290.53%0.09127.450.54%0.0261.97%35.79% 3.10.2 325.718.85%653.922.26%40.27%423.920.58%64.83%230.007.09%35.17%40.38% (FPA)54,977.00144,095.731530,492.942,510.501624,484.061,585.23FPA44.54%0.46 264.854.85%22.90767.76501.02 3401710,521.552.34%9,660.906.12%7,01318