招商银行年度报告2023

H股股票代碼：03968 年度報告 22347101418183.1183.2253.3303.4363.5393.6393.7393.8433.9493.10633.11683.1270(ESG)78112119129 100% 100% 571 1. 2.2024325131283.•20234.5.6.20231.972202320237. 2023 20230.95%437.70%11.97(AUM)13 App12.02RPA+1.7 (FPA)5.5+199.16%1310(ROAE)16%1524,500 20232024 202475 2024325 2023 2023113,390.781,466.02ROAAROAE1.39%16.22%13.73%17.88%0.050.110.95%0.01437.70%4.14% 1.977.07%(AUM)1355%282.0611.66%(FPA)5.55,00019.13%4.481.59% 4.60%9.14%AI1.7+App292% 2 ESG31.15 20231111 100-1=080 37 2024325 1.1 1.1.1China Merchants Bank Co., Ltd. 1.1.2 1.1.37088 1.1.47088518040+86 755 8319 8888+86 755 8319 5555cmb@cmbchina.comwww.cmbchina.com95555-7+86 400 820 5555-7 1.1.5831 A600036H039681360028 1.1.722230•8835 1.1.8 1.1.9A 188+86 4008 058 058 H 183171712-1716+852 2862 8555 1.1.10 (www.cs.com.cn)(www.stcn.com)(www.cnstock.com)(www.sse.com.cn)(www.cmbchina.com)(www.hkex.com.hk)(www.cmbchina.com) 1.2 19872002420069 AppApp 1.3 ESG (AUM)(FPA) AI+ 1.4 2023 •202322023500245.3610•202332023•202362023ESG•202372023100011•202372023•20238500179•202382023•202392023•202311•20231220232023101310 助力企業數字化轉型乘風創造新開局 與每一個小微夢想共拼發展藍圖 3.1 2023 3,390.781.64%1,466.026.22%2,146.691.63%1,244.091.66%(ROAA)(ROAE)1.39%16.22%0.030.84 110,284.838.77%65,088.657.56%99,427.548.25%81,554.388.22% 615.7935.750.95%0.01437.70%13.094.14%0.18 3.2 3.2.1 1,766.186.97%16.20%0.56 3.2.2 3,390.781.64%63.31%36.69%0.01 3.2.3 3,756.106.29% 2,682.400.99% 21,895.391,022.144.67%41,103.661,660.264.04% 808.3622.84%3.22%2 165.5722.74%2.80%71 3.2.4 1,609.4119.09% 1,288.0921.71% 198.6621.81% 77.8119.47% 3.2.5 2,146.691.63% 3.2.6 1,244.091.66% 841.0810.78%284.667.89%114.747.89%195.258.76%154.922.93%49.9713.14%53.288.00%75.5237.16%3.9.2 403.0125.04%197.009.37%18.4645.2141.3214.78%121.4712.82%23.85%108.80 575.614.11%46.27%505.992.01%40.67%162.499.47%13.06% 3.2.7 1,209.910.88%703.480.44%506.4331.48%32.97%0.08 3.2.8 412.7827.26% 466.3514.78-59.14136.215.5733.30 3.3 3.3.1 110,284.838.77% (1) (2)20227[2022]882023 (3) 3.3.1.1 65,088.657.56%59.02%0.673.4 3.3.1.2 60(f) 5,261.4523(a) 17,286.2023(b) 8,897.3623(c) 196.4923(d) 265.9011.52%2526 3.3.1.3 5.7999.54 3.3.2 99,427.548.25% (1)20227[2022]882023 (2) 81,554.388.22%82.02% 202357.08%4.5557.31%2.6756.74%7.69 3.3.3 1 0 , 7 6 3 . 7 01 3 . 8 4 %5,683.7215.30%136.5615.58%29.349.25 3.4 3.4.1 615.7935.750.95%0.01 (4) 25,998.559.44%39.94%309.9210.311.19%0.07 34,378.838.73%52.82%7,512.9719.06%305.8725.440.89%163.837.331.75%0.02 5,770.2623.90%8.87%1.17 3.4.5 5.74%1.73%16.78% 222.801.89%1,307.0411.06%11.42%2.01% 819.8336.981.26%0.0328.81%23.18%48.01%901.34601.19 3.4.8 0.20% 3.4.9 5.561.394.1754.04 3.4.10 2,695.34480.58437.70%13.094.14%0.18 3.5 3.5.1 13.73%16.01%17.88%0.050.260.11 (1)20126795%90%201780% (2)201521220237.93%7.70%7.96% 13.32%15.70%17.62%0.090.280.11 11.86%13.82%14.96%0.340.570.28 11.38%13.40%14.52%0.410.610.30 3.5.2 3.5.3 867.5169.4045.2824.12 25099%10 3.6 999.136.09%56.57%0.471,943.151.52%57.31%1.7931.96%0.01 56 3.7 3.7.1 28,179.6958(a) 3.7.2 3.8 1. ROAAROAE55% 2. +1.977.07%(AUM)13.329.88%33,143.1812.13%33,736.338.49%65.72%1.62 282.0611.66%45,572.435.52%23,215.8510.70%54,284.7744.95%4,477.6526.00%8,042.7918.56%5,551.0225.06% (FPA)14.91%6,285647.8315.9711.38% 5,137.9519.13%14TREE6911.4512.15%1524.48++21.12 3. 141.264.60%10,6509.14%BC5586123,8003,062 AppAppApp(MAU)1.1766.74%7.13Alpha+ 11.2628.85%1,70092.28%10.1475.34%9.8547.7662.15% 7100%0.13,035.6053.58%2.7 CRM 40027%RPA+1.7 899.999%5,1001,254146.85%5,64653%400 4. 5. 17AUM178,676.791,249.4137.37%55.66% 6. 35% 3.9 3.9.1 2.15%2.20%2524LPR1.56%4 2024 3.9.2 1,244.091.66%36.69%0.01841.0810.78%67.61%403.0125.04%452.6897.90% 284.667.89%135.859.33%54.2418.37%51.7921.52%32.0619.43%7.3119.05%114.747.89%53.288.00%195.258.76%154.922.93% 2024 3.9.3 3,989.6713.89%2,494.4816.95%2,907.42429.734.71%1.1285%5.01%1.02 3.9.4 78,715.615,970.488.21%M22023M29.7%2.11066,159.467,581.9512.94%86.63%0.8744,307.302,681.966.44%58.02%4.162,629.34201.703.34% 2024 2023H 3.9.5 61,663.457.79%59.77%0.3833,736.338.49%54.71%0.3523,215.8510.70%37.65%0.9925,880.3515.94%25.08%1.61 202420248% 3.9.6 609.9719.781.03%0.12131.2447.1491.638.48387.1018.88 2,614.0279.89456.73%10.704.24%0.190.72%0.07 581.13226.52225.89112.0416.68 2024 3.9.7 20243.9.3 2023H 90.25%2.1387.04%0.54 0.37%0.020.95%0.200.54%0.0432.93%0.34 2024 196.6618.271.59%0.052.66%0.202.74%0.38 0.61%0.030.35%0.050.70%0.03 11 14 2,341.601286.720.91%0.39 2024 3.9.8 13.52%58.31%RAROC27.47% 200300 829.61 2023202390.75%0.375% 202311202411 3.10 3.10.1 972.924.95%1,901.460.89%61.86%1,337.663.42%70.35%563.804.66%29.65%56.56%270.078.71%48.80%193.948.80% + (AUM) 1.977.07%50464.0612.00% 133,211.319.88%108,197.449.66%33,143.1812.13%58.16% 34,997.6611.51%2,968.0911.42%968.2633.76%846.4724.77% 270.07127.4354.5752.9131.753.413.9.2 + 5,137.9519.13% + TREE911.4512.15% App15