招商银行2024年中期报告

22346883.183.2153.3193.4243.5283.6283.7293.8323.9373.10503.11543.1256(ESG)63707279 100% 100% 571 1.2.2024829131393.20244.5.6.7. 1.1China Merchants Bank Co., Ltd. 1.2 1.37088 7088518040+86 755 8319 8888+86 755 8319 5555cmb@cmbchina.comwww.cmbchina.com95555-7+86 400 820 5555-7 1.5831 1.6 A600036H039681360028 1.711701-1297927 1.8 2024H 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 1,729.223.11%747.431.33%1,044.494.17%684.731.43%(ROAA)(ROAE)1.32%15.44%0.132.11 115,747.834.95%67,478.043.67%104,577.585.18%86,628.866.22% 634.2718.480.94%0.01434.42%3.284.08%0.06 3.2 3.2.1 896.411.37%15.91%0.01 3.2.2 1,729.223.11%60.40%39.60%0.67 3.2.3 1,879.970.35% 1,322.141.77% 24,569.99558.264.57%41,625.94763.883.69% 415.856.09%3.14%11 92.655.46% 3.2.4 835.486.65% 665.286.52% 104.044.42% 38.800.31% 3.2.5 1,044.494.17% 3.2.6 684.731.43% 383.2818.61%114.3732.51%58.582.61%86.3414.10%78.590.74%24.6019.87%24.8413.90%38.2016.41%3.9.2 301.4534.71%22.8626.02%179.4965.47%19.4921.41%64.1112.85% 2 5 6 . 1 12 0 . 6 1 %37.40%340.2219.14%49.69%188.402.18%12.91% 3.2.7 563.450.05%357.690.55%205.760.84%29.75%0.68 3.2.8 269.2813.30% 254.3318.58-10.5824.71 3.3 3.3.1 115,747.834.95% (1) (2) 3.3.1.1 67,478.043.67%58.30%0.723.4 3.3.1.2 5,792.3017(a) 17,549.9717(b) 9,459.7817(c) 211.5917(d) 289.969.05%1819 3.3.1.3 5.7999.54 3.3.2 104,577.585.18% 86,628.866.22%82.84% 51.47%5.6152.63%4.6849.97%6.77 3.3.3 11,102.133.14%5,915.454.08%232.2170.04%42.1343.59% 3.4 3.4.1 634.2718.480.94%0.01 27,718.336.61%41.08%313.853.931.13%0.06 35,411.543.00%52.48%8,073.867.47%320.4214.550.90%0.01163.940.111.78%0.03 6,096.625.66%9.03%0.16 3.4.5 3.85%3.54%5.60% 214.801.77%1,366.9311.26%11.62%2.03% 955.77135.941.42%0.1629.83%22.40%47.77%901.28601.14 3.4.8 0.21%0.01 3.4.9 5.581.464.1255.53 3.4.10 2,755.3960.05434.42%3.284.08%0.0616(c) 3.5 3.5.1 11.25%9.25%8.25%4.375% 3.5.2 3.5.3 13.86%16.09%17.95%0.130.080.07202411 (1)2023111 (2)20242023111202420152122024202320238.11%8.26%7.93% 13.78%16.12%18.02%0.460.420.40 11.64%13.51%14.60%0.220.310.36 2024H 11.35%13.28%14.37%0.030.120.15 3.5.4 36.34454.19 3.5.5 2,070.45165.64 3.5.6 7,133.93570.71 3.6 511.981.12%57.11%0.14959.393.05%55.48%0.0330.51%2.04 38 3.7 3.7.1 29,547.3739 3.7.2 3.8 3.8.1 ROAAROAE 3.8.2 55%2.022.54%(AUM)14.206.62%35,965.948.52%34,742.122.98% 297.455.46%47,398.394.01%24,866.047.11%25,829.978.35%4,923.509.96%8,565.256.50%221.46 (FPA)12.60%+1,271.8011.66%14.4024.01% 5,472.886.52%TREE3998.359.53%1573,515.0114.59%4.46+22.06 3.8.3 AI+45.862.91%10,6539.23%BC3984994,1983,561 AppApp(MAU)1.17App50% +93.32%77.32%1.041.98App189.1917.96%54.0713.21%3.2660% (GRS)4100%1,886.3422.66%AI 1.49 50056%RPA+1,632.5936.72%AI70% 2024H 599.999%65,1782,83159.40% AI+AIAI 3.8.4 3.8.5 16AUM167818,842.8019,219.2728.99%39.35%869.231,088.6033.17%38.89% 3.8.6 2 3.9 3.9.1 2.00%2.07%232015131.99%32.05%4LPR 3.9.2 684.731.43%39.60%0.67383.2818.61%55.98%301.4534.71%3.2.6197.79923.47% 114.3732.51%39.5057.34%36.3640.39%21.3225.35%10.6437.52%4.9331.82%58.582.61%24.8413.90%86.3414.10%78.590.74% 2024H 3.9.3 4,041.231.29%2,417.863.07%3,039.06131.644.75%0.0485%4.78%0.23 + 3.9.4 83,364.335.91%202320241069,083.644.42%86.20%0.4341,927.795.37%52.32%5.702,690.622.33%3.23%0.11 3.9.5 63,956.333.72%59.19%0.5834,742.122.98%54.32%0.3924,866.047.11%38.88%1.2326,601.382.79%24.62%0.46 3.9.6 319.7214.631.02%0.0255.141.7964.2920.60200.294.18 2,651.0036.98451.25%5.484.15%0.090.74%0.16 305.63147.15101.4839.7317.27 2024 3.9.7 3.9.3 90.97%2.8087.26%0.22 0.40%0.031.16%0.210.69%0.1533.05%0.12 203.216.551.57%0.022.74%0.083.00%0.26 8,061.127.51%12.60%0.440.63%0.020.43%0.080.78%0.08 1311 1,945.8112206.940.60% 2024H 3.9.8 20241155.94%RAROC26.43% 49.58 3.10 3.10.1 499.690.59%939.252.88%59.58%689.085.67%73.36%250.1720.59%26.64%44.77%106.3434.06%43.55%85.7214.16% (AUM) 2.022.54%50499.647.67% (AUM)142,030.836.62%115,803.707.03%35,965.948.52%51.38% 37,551.197.30%2,890.2889.39%641.4111.76%333.6632.54% 106.3436.8334.9422.3910.561.623.9.2 + ++++5,472.886.52% + TREETREE998.359.53% App157 1,000158,4346.44% 13 App 9,666.420.47%6,934.850.56%22,097.426.84%322.092.82%124.9910.14%3.9.7 163.911.78%0.03 +AppApp3.10.3 34,742.122.98%54.32%0.3925,548.744.80%39.95%0.42 13,632.430.99%8,061.127.51%3,777.4525.27%448.3012.38% 212.710.83%0.12155.340.61%0.0346.20%41.90% 3.10.2 351.507.92%646.691.11%41.02%370.3012.65%57.26%276.3920.17%42.74%49.46% (FPA)59,947.38144,240.641533,859.111,830.171626,088.272,410.47FPA43.52%1.02 297.455.46%25.53 3211710,503.331.94%11,764.345.18%7,013187,951.082.68%4,598.4012.91% ++6.09194.28%8,823.417.69% 67,254 +4,155.85269.97%118.842013.19%1.168.76% 47,398.394.01%45,804.661.05%53.02%4.901.65%10 24,866.047.11%38.88%1.2315,039.175.49%62.78%0.981.08%0.07 10,981.6