招商银行：2024年年度报告

2 13 100% 100% 1. 2.2025325141483.20244.5.6.20242.000202420247. 2024 (ROAE)14.49%12910% (FPA)6 2(AUM)15AI+ 2025 AI+AIAIAI+AI 2025 2024 1290.95%411.98%3.92%3,374.881,483.911.22%1.1314.86%19.05%37.40%0.70100010 2300129,00014101ROAAROAE1.28%14.49%1592.0ESG2024ESGAAA + AUM1550%(FPA)6TREE13.84%30.35%4.4822.8619.26%19.40% + 2024A +AI+AI++120AppApp(MAU)1.23194.94 1 3812 2025AI 38 AI 38 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 1.1.6 A600036H039681360028 1.1.711701-12鲗97927 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 2024 •20243BrandFinance2024500266.4410•2 0 2 45BQS•202462024ESG•202472024100010•202472024•202482024500179•2024102024(GYROSCOPE)91.02•202412202410101 (1)9 2.3 2.4 20242024 客户价值是价值之源 坚持“以客户为中心，为客户创造价值”的核心价值观，打造“最佳客户服务银行” 3.1 2024 3,374.880.48%1,483.911.22%2,112.771.58%1,262.111.41%(ROAA)(ROAE)1.28%14.49%0.111.73 121,520.3610.19%68,883.155.83%109,185.619.81%90,965.8711.54% 656.1040.310.95%411.98%25.723.92%0.22 3.2 3.2.1 1,786.521.15%16.28%0.08 3.2.2 3,374.880.48%62.60%37.40% 3.2.3 3,742.710.36% 2,605.732.86% 25,712.171,112.764.33%40,949.701,492.973.65% 849.245.06%3.08%14 190.7615.21%2.80% 3.2.4 1,629.941.28% 1,308.241.56% 196.291.19% 76.561.61% 3.2.5 2,112.771.58% ／／ 3.50%261.64%91.86%171.98%173.9.1 3.2.6 1,262.111.41% 720.9414.28%220.0522.70%107.516.30%167.6114.16%155.050.08%42.1915.57%48.918.20%69.088.53%3.9.2 541.1734.13%298.8034.74%60.85229.63%40.262.57%141.2615.86%12.56%122.46 4 8 5 . 7 71 5 . 6 4 %38.49%634.8625.40%50.30%2141.4812.91%11.21% 3.2.7 1,076.163.73%680.883.21%395.284.61%31.89%1.07 3.2.8 399.763.15% 436.0830.27-24.0021.8213.7143.06 3.3 3.3.1 121,520.3610.19% 3.3.1.1 68,883.155.83%56.68%2.343.4 3.3.1.2 58(f) 6,170.1810 19,204.6111 10,825.7712 223.1513 310.1516.64%14 3.3.1.3 5.7999.54 3.3.2 109,185.619.81% 90,965.8711.54%83.31% 50.34%6.7451.90%5.4148.32%8.42 3.3.3 1 2 , 2 6 0 . 1 41 3 . 9 0 %6,340.7811.56%432.57159.30% 3.4 3.4.1 656.1040.310.95% 3.4.2 28,637.4010.15%41.57%304.755.171.06%0.13 36,446.256.01%52.91%351.3545.480.96%0.07 3.4.3 6,696.3016.05%9.72%0.85 3.4.4 3.4.5 8.03%6.14%6.10%19.79% 3.4.6 243.201.85%1,435.9010.95%11.10%2.08% 3.4.7 918.7598.921.33%0.0731.25%15.28%53.47%901.32601.17 3.4.8 0.36%0.04 3.4.9 5.111.283.8353.34 3.4.10 2,703.017.67411.98%25.723.92%0.229(c) 3.5 3.5.1 14.86%17.48%19.05%1.131.471.17 (1)2023111 (2)20242024202420248.27%7.88%8.11% (3)2024112024123120231231201267 14.84%17.53%19.17%1.521.831.55 12.43%14.63%15.73%0.570.810.77 2024A 12.19%14.40%15.49%0.811.000.97 3.5.2 3.5.3 1,967.60157.41 3.6 906.449.28%50.74%5.831,968.351.29%58.32%1.0132.52%0.56 54 3.7 3.7.1 31,002.4756 3.7.2 3.7.3 22 90.6837.42 3.7.4 4,470.23892.70-2,928.59377.5221.49751.38 3.8 3.8.1 ROAAROAE(AUM)(FPA) 3.8.2 2.106.60%(AUM)14.9312.05%38,258.0215.43%35,779.196.06%67.25%1.53 316.6412.26%49,524.488.67%25,904.0911.58%35,904.569.73%4,882.009.03%8,876.7910.37%6,414.7615.56%4,256.1119.26% (FPA)14.45%77,12015.12%2,828.7219.40%19.6823.23% 5,821.6213.31%TREE1,037.5613.84%1593,998.7130.35%4.48+22.86 3.8.3 AI+133.504.37%10,9009.30%BC6107314,4103,793 AppApp(MAU)1.23 93.81%77.41%1.532.07194.9414.88%61.5228.81% (GRS)4,025.4132.61%AI CRMGPT2.53 +73058.32%ESGE4,658.88419.30113.8163.09%2,600RPA+800 +AI+499.999%5IT5,94263%AI+2TBAI120AI 3.8.4 0.93% 3.8.5 5.65+1.7714.10% 3.8.6 16(AUM)16671.942.1129.17%38.83%0.360.191,384.661,576.1734.83%41.30% 3.9 3.9.1 1.98%2.04%17161.94%1.98%35LPR 20252024LPR 3.9.2 1,262.111.41%37.40%0.70720.9414.28%57.12%541.1734.13%376.47816.84% 220.0522.70%78.5644.84%64.2552.71%41.6519.58%21.2533.72%11.0851.57%107.516.30%48.918.20%167.6114.16%155.050.08% 2025 3.9.3 3,741.006.23%2,229.2810.63%2,863.6543.774.37%0.3485%4.74%0.27 3.9.4 87,782.5011.52%970,602.826.72%86.24%0.3941,782.215.70%51.03%6.99 2025 3.9.5 65,477.206.18%57.54%2.2335,779.196.06%54.64%0.0725,904.0911.58%39.56%1.9128,788.8411.24%25.30%0.22 2025 3.9.6 667.0457.071.05%0.02112.2219.02161.0769.44393.756.65 2,598.8515.17425.23%31.503.97%0.270.63%0.09 629.02304.01225.6975.9923.33 2025 3.9.7 20253.9.3 91.30%1.0587.63%0.59 0.48%0.111.28%0.330.81%0.2737.15%4.22 206.7310.071.54%0.053.12%0.463.11%0.37 2024A 0.79%0.180.49%0.140.97%0.27 10 14 2,222.17301.930.49%0.11 3.9.8 20241154.15%RAROC25.84% 921.34 3.10 3.10.1 879.909.56%1,924.961.22%63.03%1,453.188.64%75.49%471.7816.35%24.51%47.23%201.9025.24%43.96%166.3414.23% (AUM) 2.106.60%50523.5712.82% (AUM)149,267.1412.05%122,243.0912.98%38,258.0215.43%49.59% 39,329.8012.38%5,980.21101.48%1,172.2521.07%879.223.87% 201.9075.1658.0044.4021.093.253.9.2 2024A 5,82