The storylines故事线
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Compensation clawback薪酬追索扣回
3 · 2024-01-02 → 2025-05-29
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CMB recovers performance-based pay from employees in 2022 and 2023.招商银行追索扣回2022年及2023年员工绩效薪酬。
2024-01-02CMB approved a motion to recover performance-based pay; in 2022 it clawed back RMB 58.24 million from 2,876 employees.招商银行审议通过绩效薪酬追索扣回议案；2022年对2876名员工追索扣回绩效薪酬总金额5824万元。
2024-03-252023 annual report disclosed that 4,415 employees had a total of RMB 43.29 million in performance-based compensation clawed back.2023年年报披露，执行绩效薪酬追索扣回的员工4415人，追索扣回总金额4329万元。
2025-05-29China Merchants Bank's Supervisory Board approved the 2024 performance-based薪酬 clawback report, confirming recovery of compensation from relevant personnel.招商银行监事会审议通过2024年度绩效薪酬追索扣回情况的议案。
Digital service launch数字化服务上线
1 · 2024-01-02
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CMB launches online reservation for foreign-invested enterprise capital accounts via e-Chuangtong platform.招商银行通过e-Chuangtong平台上线外商投资企业资本账户在线预约服务。
2024-01-02CMB Beijing branch completed the first online reservation for foreign-invested enterprise capital account via the e-Chuangtong platform under SAFE Beijing.招商银行北京分行在外汇局北京市分局指导下，落地首笔“e窗通平台”外商投资企业外汇资本金账户在线预约试点业务。
Regulatory fines监管处罚
32 · 2024-01-02 → 2026-04-13
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CMB branches fined for various violations including lax loan review and illegal lending.招商银行多家分行因贷款审查不严、违规放贷等问题被处罚。
2024-01-02CMB Ganzhou Changzheng Avenue sub-branch fined RMB 300,000 for lax loan use review and payment control.招商银行赣州长征大道支行因贷款用途审查及贷款资金支付管控不严被罚30万元。
2024-01-15CMB Kunming branch fined RMB 300,000 for negligent loan management and illegal issuance of personal business loans.招商银行昆明分行因贷款管理不审慎、违规发放个人经营性贷款被罚30万元。
2024-01-25CMB Huangshi branch fined RMB 250,000 for credit funds flowing back to borrower's account and used as margin deposit.招商银行黄石分行因信贷资金回流借款人他行账户用作保证金存款被罚25万元。
2024-02-02Li Xin, a customer manager at CMB Kunming Branch, was warned by Yunnan Financial Regulatory Bureau for failing to prudently manage loans and illegally issuing personal business loans.招商银行昆明分行零售信贷部客户经理李鑫因贷款管理不审慎、违规发放个人经营性贷款，被云南金融监管局警告。
2024-04-07CMB Taizhou branch fined 1.55 million yuan by the National Financial Regulatory Administration (NFRA) for loan management violations, including misappropriation of funds and improper wealth management sales.招商银行台州分行因项目贷款管理不到位、理财销售违规等被国家金融监督管理总局罚款155万元。
2024-04-07CMB Putian branch fined 1.95 million yuan by NFRA for five violations, including issuing mortgages on uncompleted buildings and allowing personal business loans to flow into real estate.招商银行莆田分行因向未封顶楼盘发放按揭贷款、个贷资金违规流入房地产等五项违规被罚款195万元。
2024-04-10CMB Shanghai Zhongshan sub-branch fined 1.2718 million yuan (including confiscation) by the State Administration of Foreign Exchange for illegally handling FDI equity transfer from foreign to domestic.招商银行上海中山支行因违规办理FDI项下股权外转中业务被国家外汇管理局罚款65万元，没收违法所得62.18万元，合计127.18万元。
2024-05-17CMB Beijing Branch was fined 140,000 yuan by the National Financial Regulatory Administration for deceiving policyholders by promising returns in insurance agency sales and inducing non-disclosure.招商银行北京分行因代理销售保险承诺收益欺骗投保人、诱导不履行如实告知义务，被罚14万元。
2024-06-28CMB was fined 3.5 million yuan by the NFRA for failing to effectively identify underlying assets and non-standard information disclosure in its wealth management business.招商银行因理财业务未能有效穿透识别底层资产、信息披露不规范被国家金融监督管理总局罚款350万元。
2024-06-28CMB Yichang branch was fined 300,000 yuan by the NFRA Yichang bureau for illegally issuing merger and acquisition loans.招商银行宜昌分行因违规发放并购贷款被国家金融监督管理总局宜昌监管分局罚款30万元。
2024-07-01China Merchants Bank fined RMB 3.5 million by the National Financial Regulatory Administration for failing to effectively penetrate and identify underlying assets and for non-standard information disclosure in its wealth management business.招商银行因未能有效穿透识别底层资产、信息披露不规范，被国家金融监督管理总局罚款350万元。
2024-07-01China Merchants Bank and its subsidiary CMB Wealth Management were fined a total of RMB 12 million by the National Financial Regulatory Administration for failing to effectively penetrate and identify underlying assets and for non-standard information disclosure.招商银行及旗下招银理财因未能有效穿透识别底层资产、信息披露不规范，被国家金融监督管理总局合计罚款1200万元。
2024-07-10China Merchants Bank Credit Card Center was fined RMB 800,000 by the Shanghai Regulatory Bureau of the National Financial Regulatory Administration for providing materials that concealed important facts and inadequate employee conduct management. A related manager was banned from banking for life.招商银行信用卡中心因提供隐瞒重要事实的资料、员工行为管理不到位，被国家金融监督管理总局上海监管局罚款80万元，相关责任人被终身禁业。
2024-07-12China Merchants Bank Harbin branch was fined RMB 2.4 million by the Heilongjiang Regulatory Bureau, and Chengdu branch was fined RMB 2.9 million by the Sichuan Regulatory Bureau on June 25, 2024, for various violations including fabricating financial advisory fee materials and inadequate loan checks.招商银行哈尔滨分行被黑龙江监管局罚款240万元，成都分行被四川监管局罚款290万元（处罚日期均为2024年6月25日），涉及虚构财务顾问费材料、贷款“三查”不到位等多项违规。
2024-09-09CMB Shenyang Branch was fined 200,000 yuan by the NFRA for illegally issuing real estate development loans and seriously violating prudent operation rules.招商银行沈阳分行因违规发放房地产开发贷款、严重违反审慎经营规则，被国家金融监督管理总局罚款20万元。
2024-09-20The Chongqing Regulatory Bureau of the NFRA issued a warning letter to CMB Chongqing Branch for using promotional materials that did not cover the full track record of fund managers.重庆证监局对招商银行重庆分行出具警示函，因其在基金销售中使用的宣传推介材料未覆盖基金经理全部同类产品的过往业绩。
2024-10-14CMB Taiyuan branch fined CNY 400,800 and ordered to disgorge illegal gains for failing to verify authenticity of forex transaction documents.招商银行太原分行因未对经常项目外汇收支单证真实性进行合理审查，被罚40.08万元并没收违法所得。
2024-11-01The Shanxi regulatory bureau of the National Financial Regulatory Administration (NFRA) fined CMB Taiyuan Branch 300,000 yuan and issued a warning for passing on二手房 mortgage appraisal fees to borrowers.国家金融监督管理总局山西监管局对招商银行太原分行罚款30万元并警告，因其向借款人转嫁二手房按揭贷款抵押评估费。
2024-12-02Nanyang branch of CMB fined RMB 300,000 by NFRA Nanyang Supervision Office for inadequate post-lending management leading to credit funds flowing back to borrower's account and not being used as agreed.招商银行南阳分行因贷后管理不到位，致使信贷资金回流借款人账户和未按约定用途使用，被国家金融监督管理总局南阳监管分局罚款30万元。
2024-12-10Baoji NFRA fined CMB Baoji Branch RMB 250,000 for inadequate post-lending management, and warned customer manager Ge Ting.宝鸡监管分局对招商银行宝鸡分行处以25万元罚款，并对客户经理葛婷给予警告，因贷后管理不到位。
2025-01-06Xi'an branch fined 350,000 yuan by the Shaanxi Financial Regulatory Bureau for imprudent loan management.西安分行因贷款管理不审慎，被陕西金融监管局罚款35万元。
2025-02-26China Merchants Bank Lanzhou Chengguan sub-branch fined 800,000 yuan for inadequate employee conduct management; Lanzhou branch fined 1.6 million yuan for inaccurate loan asset classification.招商银行兰州城关支行因员工行为管理不到位被罚80万元；兰州分行因信贷资产五级分类不准确被罚160万元。
2025-06-03Sanming branch of China Merchants Bank fined 850,000 yuan by the local financial regulatory bureau for imprudent collateral management, inadequate personal loan management, and lax review of discount bill transaction background.招商银行三明分行因押品管理不审慎、个人贷款管理不到位、贴现业务交易背景审查不严等被三明金融监管分局罚款85万元。
2025-08-18CMB Sanya branch fined 250,000 yuan for allowing non-bank personnel to conduct insurance sales on bank premises.招商银行三亚分行因允许非商业银行从业人员在营业场所从事保险销售活动被罚25万元。
2025-08-18CMB Xiangyang branch fined 250,000 yuan for inadequate post-lending management, with some loan funds flowing back to borrower accounts.招商银行襄阳分行因贷后管理不到位、部分贷款资金回流被罚25万元。
2025-10-10CMB Hangzhou branch fined 3 million yuan by Zhejiang Financial Regulatory Bureau for inadequate checks on working capital and fixed asset loans.招商银行杭州分行因流动资金贷款和固定资产贷款“三查”不到位被浙江金融监管局罚款300万元。
2025-12-09China Merchants Bank Dongguan Branch was fined and had illegal gains confiscated totaling 542,600 yuan by the SAFE Guangdong Branch for failing to reasonably review the authenticity of transaction documents and consistency in foreign exchange receipts and payments for current account funds, and for violating regulations in settlement business.招商银行东莞分行因办理经常项目资金收付未对交易单证真实性及其与外汇收支一致性进行合理审查、违反规定办理结汇业务，被国家外汇管理局广东省分局罚款并没收违法所得合计54.26万元。
2025-12-31China Merchants Bank Xianyang Branch was fined 220,000 yuan by the Xianyang Financial Regulatory Bureau for having untrue trade background in domestic letters of credit and partial advance funds flowing back to the applicant.招商银行咸阳分行因国内信用证贸易背景不真实、部分议付资金回流开证人，被咸阳金融监管分局罚款22万元。
2026-01-04Luoyang branch of China Merchants Bank fined 300,000 yuan by the National Financial Regulatory Administration for inadequate post-loan management.招商银行洛阳分行因贷后管理不尽职被国家金融监督管理总局罚款30万元。
2026-03-09CMB Zhengzhou Branch fined 300,000 yuan for statistical report data errors and omissions.招商银行郑州分行因监管统计报表数据错报、漏报被罚款30万元。
2026-04-10CMB Changzhou branch fined RMB 350,000 for inadequate post-lending management of working capital loans; CMB Changzhou Wujin sub-branch fined RMB 350,000 for lax trade background review of discount business.招商银行常州分行因流动资金贷款贷后管理不到位被罚35万元；常州武进支行因贴现业务贸易背景审核不严被罚35万元。
2026-04-13CMB Lanzhou branch fined RMB 380,000 by PBOC Gansu branch for violating financial statistics management and anti-money laundering regulations.招商银行兰州分行因违反金融统计管理规定和反洗钱相关规定，被中国人民银行甘肃省分行处以38万元罚款。
Executive appointments高管任命
31 · 2024-01-03 → 2026-06-18
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Regulatory approvals for branch presidents and vice presidents across multiple CMB branches.监管批准招商银行多家分行行长、副行长等高管任职资格。
2024-01-03Deng Jian approved as vice president of CMB Quanzhou branch by NFRA Quanzhou.国家金融监督管理总局泉州监管分局核准邓键任招商银行泉州分行副行长。
2024-01-30Wang Wei approved as president of CMB Jincheng branch by NFRA Jincheng.国家金融监督管理总局晋城监管分局核准王威任招商银行晋城分行行长。
2024-03-12Regulatory approval granted for Wang Bo to serve as the行长 (General Manager) of the Hangzhou Branch of China Merchants Bank.国家金融监督管理总局浙江监管局核准王波的招商银行杭州分行行长任职资格。
2024-05-09Jiang Sheng was approved by the National Financial Regulatory Administration Shanghai Bureau as General Manager Assistant of CMB's Capital Operations Center.蒋昇获批担任招商银行资金营运中心总经理助理。
2024-06-03Shu Yi was approved by the NFRA Lijiang branch as assistant president of CMB Lijiang branch.舒毅获国家金融监督管理总局丽江监管分局核准担任招商银行丽江分行行长助理。
2024-06-21Cao Wenbin was approved by the NFRA Chongqing bureau as deputy president of CMB Chongqing branch.曹文斌获国家金融监督管理总局重庆监管局核准担任招商银行重庆分行副行长。
2024-06-27Xu Meng was approved by the Qujing financial regulatory bureau as president of CMB Qujing branch.许萌获曲靖金融监管分局核准担任招商银行曲靖分行行长。
2024-07-22The Qingyuan Regulatory Bureau approved Ren Baojian as assistant to the president of China Merchants Bank Qingyuan branch.清远监管分局批复核准任宝建任招商银行清远分行行长助理。
2024-07-31The Zunyi Regulatory Bureau approved Wang Tianyu as assistant to the president of China Merchants Bank Zunyi branch.遵义监管分局批复核准王天玙任招商银行遵义分行行长助理。
2024-08-12Approves Wang Yingliang as President of Jinzhou Branch, CMB Dalian Branch.核准王英靓任招商银行锦州分行行长。
2024-08-14Approves Gu Peng as Vice President of Changsha Branch, CMB.核准谷鹏任招商银行长沙分行副行长。
2024-08-26Approves Li Gang as President of Luoyang Branch, CMB.核准李刚任招商银行洛阳分行行长。
2024-08-30Approves Guo Ying as Vice President of Lanzhou Branch, CMB.核准郭盈任招商银行兰州分行副行长。
2024-11-26The Guangdong regulatory bureau of NFRA approved He Haotian as Vice President of CMB Guangzhou Branch.国家金融监督管理总局广东监管局核准何昊天任招商银行广州分行副行长。
2024-12-06Beijing NFRA approved Xiang Daili as Deputy President of CMB Beijing Urban Sub-Central Branch.北京监管局核准向代丽任招商银行北京城市副中心分行副行长。
2025-02-17Regulator approved Qu Liang as vice president of China Merchants Bank Qingyuan branch.监管核准曲亮招商银行清远分行副行长的任职资格。
2025-02-25Regulator approved Ding Yuanren as president of China Merchants Bank Hebei Xiong'an branch.监管核准丁原仁招商银行河北雄安分行行长的任职资格。
2025-02-26Regulator approved Yang Li as vice president of China Merchants Bank Zhanjiang branch.监管核准杨莉招商银行湛江分行副行长的任职资格。
2025-08-07CMB Shenyang Branch appointed Yin Chunli as deputy general manager, approved by Liaoning Financial Regulatory Bureau.辽宁金融监管局核准尹春利任招商银行沈阳分行副行长。
2025-09-05Li Jun's qualification as deputy president of CMB Shijiazhuang branch was approved by Hebei Financial Regulatory Bureau.河北金融监管局核准李俊招商银行石家庄分行副行长的任职资格。
2025-10-09Duan Yuanlei approved as president of CMB Shihezi sub-branch by the local financial regulatory bureau.段园磊获石河子金融监管分局核准担任招商银行石河子分行行长。
2025-10-28NFRA approved Yang Mao as Vice President of CMB Zhongshan branch.国家金融监管总局核准杨毛招商银行中山分行副行长的任职资格。
2025-11-24NFRA approved Ling Chen as President of CMB Shaoxing branch.国家金融监管总局核准凌晨招商银行绍兴分行行长的任职资格。
2026-03-04Approved Xiong Lei as President of CMB Huzhou Branch.核准熊磊担任招商银行湖州分行行长。
2026-03-05Approved Chen Shuangqi as Assistant President of CMB Zhongshan Branch.核准陈霜其担任招商银行中山分行行长助理。
2026-05-18Jiangmen regulatory bureau approved Yang Xiong as president of CMB Jiangmen branch.江门监管分局核准杨雄招商银行江门分行行长任职资格。
2026-05-22Qujing regulatory bureau approved Yao Haibo as vice president of CMB Qujing branch.曲靖监管分局核准姚海波招商银行曲靖分行副行长任职资格。
2026-06-04Shanghai Financial Regulatory Bureau approves Ma Jun as deputy general manager of CMB Credit Card Center.上海金融监管局核准马俊担任招商银行信用卡中心副总经理。
2026-06-08Liaocheng Financial Regulatory Bureau approves Wu Yuxin as deputy president of CMB Liaocheng Branch.聊城金融监管分局核准武钰昕担任招商银行聊城分行副行长。
2026-06-12Longyan Regulatory Bureau approves Liu Guojin as deputy president of CMB Longyan Branch.龙岩监管分局核准刘国金担任招商银行龙岩分行副行长。
2026-06-18Jinzhou Regulatory Bureau approves Zhu Yanqiong as assistant president of CMB Jinzhou Branch.锦州监管分局核准朱彦琼担任招商银行锦州分行行长助理。
Branch rename支行更名
7 · 2024-01-03 → 2024-12-27
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CMB branches renamed and relocated across multiple cities.招商银行多家支行更名或迁址。
2024-01-03CMB Kunming Shili Changjie sub-branch renamed to CMB Kunming Gulou sub-branch, approved by NFRA Yunnan.招商银行昆明十里长街支行获批更名为招商银行昆明鼓楼支行。
2024-03-19Regulatory approval granted for the relocation and name change of Taiyuan Shimao Sub-branch to Taiyuan Changzhi Road Sub-branch.山西监管局批准招商银行太原世贸支行迁址并更名为招商银行太原长治路支行。
2024-05-13CMB Nanchang Jinyumingdu Sub-branch was approved to rename to Nanchang Gaoxin 7th Road Sub-branch.招商银行南昌金域名都支行获批更名为南昌高新七路支行。
2024-07-08The Linyi Financial Regulatory Bureau approved the renaming of China Merchants Bank Linyi Shangcheng sub-branch to Linyi Beicheng sub-branch.临沂金融监管分局批复同意招商银行临沂商城支行更名为招商银行临沂北城支行。
2024-11-26The Hebei regulatory bureau of NFRA approved the renaming of CMB Tangshan Luyou Sub-branch to CMB Tangshan Jianshe Road Sub-branch.国家金融监督管理总局河北监管局批复同意招商银行唐山鹭港支行更名为招商银行唐山建设路支行。
2024-12-26Guangdong NFRA approved the name change of CMB Qingyuan Jinxiu Road Sub-branch to CMB Qingyuan Jingfu Road Sub-branch.广东监管局批复同意招商银行清远锦绣路支行更名为招商银行清远静福路支行。
2024-12-27Guizhou NFRA approved the name change of CMB Guiyang Zhongda Plaza Sub-branch to CMB Guiyang Ruijin North Road Sub-branch.贵州监管局批复同意招商银行贵阳中大广场支行更名为招商银行贵阳瑞金北路支行。
Executive resignations高管辞职
15 · 2024-01-05 → 2025-12-30
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Non-executive directors, supervisors, and vice presidents resign due to age, job change, or term expiry.招商银行非执行董事、监事、副行长等因年龄、工作变动或任期届满辞职。
2024-01-05Non-executive directors Hu Jianhua and Hong Xiaoyuan resigned due to age, effective Jan 5, 2024.非执行董事胡建华和洪小源因年龄原因辞任，自2024年1月5日起生效。
2024-01-11Peng Bihong resigned as shareholder supervisor and member of the Nomination Committee of the supervisory board due to job change.彭碧宏因工作变动辞去股东监事和监事会提名委员会委员职务。
2024-01-16Cai Jin resigned as employee supervisor and member of the Nomination Committee of the supervisory board due to age.蔡进因年龄原因辞去职工监事和监事会提名委员会委员职务。
2024-05-08Vice President Wang Yungui resigned due to age retirement, effective May 8, 2024.副行长王云桂因到龄退休辞任，自2024年5月8日起生效。
2024-07-19China Merchants Bank announced the resignation of non-executive director Zhou Song due to job changes, effective July 19, 2024. He also stepped down from the Strategy and Sustainable Development Committee and the Audit Committee.招商银行公告非执行董事周松因工作变动辞任，自2024年7月19日起生效，同时辞去董事会战略与可持续发展委员会和审计委员会委员职务。
2024-11-29CMB announced that independent non-executive directors Li Menggang and Liu Qiao resigned due to term expiry, effective upon election of successors and NFRA approval.招商银行公告独立非执行董事李孟刚和刘俏因任职期满辞职，将在股东大会选举继任者并获监管核准后生效。
2024-12-02Independent non-executive directors Li Menggang and Liu Qiao resigned due to term expiration, effective upon election of successors approved by NFRA.独立非执行董事李孟刚和刘俏因任职期满辞任，在新任独立非执行董事经国家金融监督管理总局核准任职资格填补空缺后生效。
2025-02-20Non-executive director Zhang Jian resigned from China Merchants Bank board and risk committee due to job change, effective Feb 20.非执行董事张健因工作变动辞去招商银行董事会及风险与资本管理委员会委员职务，2月20日起生效。
2025-03-19Supervisor Luo Sheng resigned from the positions of shareholder supervisor and member of the supervisory committee due to personal work reasons.股东监事罗胜因个人工作原因辞去股东监事及监事会监督委员会委员职务。
2025-03-20Non-executive director Chen Dong resigned due to job changes, effective from March 20, 2025.非执行董事陈冬因工作变动辞任，自2025年3月20日起生效。
2025-05-23Zhu Jiangtao resigned as Executive Director and Vice President of China Merchants Bank due to work reasons, effective May 23, 2025.朱江涛因工作原因辞去招商银行执行董事、副行长职务，自2025年5月23日起生效。
2025-06-25External supervisor Xu Zhengjun resigned due to six-year term limit, and employee supervisor Cai Jin resigned due to age, both effective June 25, 2025, as China Merchants Bank plans to abolish its supervisory board.招商银行外部监事徐政军因任期届满六年、职工监事蔡进因年龄原因辞任，均自2025年6月25日生效，该行拟取消监事会。
2025-08-04Vice President Wang Xiaoqing resigned from China Merchants Bank due to work reasons, effective August 4, 2025; he will move to China Merchants Financial Holdings as Party Secretary.招商银行副行长王小青因工作原因辞任，自2025年8月4日起生效；将出任招商金控党委书记。
2025-08-04Independent non-executive director Tian Hongqi resigned due to serving six-year term limit, effective upon election of successor.独立非执行董事田宏启因任职满六年辞任，将在选举继任者后生效。
2025-12-30Sun Yunfei resigned as non-executive director and member of the Strategy and Sustainable Development Committee of China Merchants Bank due to age, effective immediately, with no further positions at the bank or its subsidiaries.孙云飞因年龄原因辞去招商银行非执行董事、董事会战略与可持续发展委员会委员职务，辞职后不在该行及控股子公司任职。
Green finance绿色金融
5 · 2024-01-09 → 2025-06-05
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CMB opens carbon-neutral branch, joins green finance alliances, and issues green bonds.招商银行开设碳中和支行、加入绿色金融联盟、发行绿色债券。
2024-01-09CMB Beijing Yuetan sub-branch received a carbon-neutral certificate from Beijing Green Exchange for its prefabricated 'carbon-neutral' branch.招商银行北京月坛支行获得北京绿色交易所颁发的装配式“碳中和”网点证书。
2024-06-11Agricultural Development Bank, CMB, and China Everbright Bank signed a Green Finance Alliance Framework Agreement with Ansteel Group to join the green finance alliance.农业发展银行、招商银行、光大银行与鞍钢集团签署《绿色金融联盟合作框架协议》，加入绿色金融联盟。
2025-03-13The Shanghai branch's green credit balance grew 28% year-on-year by end-2024, and green bond issuance totaled 2.853 billion yuan.截至2024年底，上海分行绿色信贷余额较年初增长28%，绿色债券发行规模合计28.53亿元。
2025-05-30China Merchants Bank plans to issue RMB 5 billion in 3-year green financial bonds (first tranche 2025, Bond Connect) on the interbank market, rated AAA.招商银行计划在全国银行间债券市场发行50亿元3年期绿色金融债券（2025年第一期，债券通），信用等级AAA。
2025-06-05China Merchants Bank successfully issued a 5 billion yuan green financial bond (3-year tenor) on the interbank bond market, the first commercial bank financial bond under the regular operation of the CBBC blockchain issuance system.招商银行在全国银行间债券市场成功簿记发行50亿元绿色金融债券（期限3年），为中债区块链发行系统常态化运行后的首单商业银行金融债。
Distribution deals代销合作
5 · 2024-01-10 → 2024-10-22
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CMB signs agency sales agreements with wealth management companies and fund distributors.招商银行与理财公司、基金公司签署代销合作协议。
2024-01-10CMB signed an agency sales agreement with Bank of Beijing Wealth Management, becoming a distribution partner for its wealth management products.招商银行与北银理财签署代理销售合作协议，正式成为其理财产品代理销售合作机构。
2024-02-27Rongtong Fund added CMB's Zhaoyingtong platform for sales and conversion of its short-term bond fund, effective Feb 27, 2024.融通基金自2024年2月27日起增加招商银行招赢通平台办理融通通源短融债券型证券投资基金的销售及转换业务。
2024-03-01Signed an agency sales cooperation agreement with Suyin Wealth Management Co., Ltd., becoming an agent for distributing its wealth management products.与苏银理财有限责任公司签署代理销售合作协议，正式成为其理财产品代理销售合作机构。
2024-03-11Added Noah Fund Management Co., Ltd.'s funds to the China Merchants Bank Zhaoyingtong platform for sales and subscription fee discounts.诺安基金管理有限公司旗下部分基金增加招商银行招赢通平台为销售机构，并参与费率优惠活动。
2024-10-22CMB becomes agency distributor for wealth management products of Bank of Shanghai Wealth Management, effective October 15.招商银行自2024年10月15日起成为上银理财有限责任公司理财产品代理销售合作机构。
Executive & governance changes高管与治理变动
57 · 2024-01-12 → 2026-06-25
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Personnel appointments, resignations, board restructuring, and governance reforms at CMB and its subsidiaries.招商银行及其子公司的人事任免、辞职、董事会重组及治理改革。
2024-01-12CMB Beijing branch president Zhang Cheng to be transferred as president of CMB Financial Leasing.招商银行北京分行行长张诚将调任招银金租总裁。
2024-04-19Former CMB Head Office Finance & Accounting Department GM Zhang Dong will become the general manager of Boshi Fund (Bosera Asset Management), with the appointment process underway.原招商银行总行财会部总经理张东将出任博时基金总经理，相关考察已完成。
2024-05-22Zhang Cheng was approved as Director and President of CMB Financial Leasing Co., and Chairman of CMB Aviation & Shipping Financial Leasing Co.张诚获批担任招银金融租赁有限公司董事、总裁及招银航空航运金融租赁有限公司董事长。
2024-05-24CMB's former Chief Information Officer Jiang Chaoyang was transferred to China Merchants Group as GM of Strategic Development/Technology Innovation Dept.; Zhou Tianhong, IT Dept. GM, will succeed as CMB's new CIO.招商银行原首席信息官江朝阳调任招商局集团战略发展部/科技创新部总经理，信息技术部总经理周天虹拟接任首席信息官。
2024-05-24Zhang Dong, former CMB executive, was appointed General Manager of Boshi Fund, effective May 24, 2024.原招商银行高管张东出任博时基金总经理，自2024年5月24日起生效。
2024-05-28Vice President Zhu Jiangtao resigned as Chief Risk Officer due to internal role adjustment, effective May 28, 2024; he will focus on corporate banking.副行长朱江涛因行内分工变动辞任首席风险官，自2024年5月28日起生效，将分管对公业务。
2024-06-19CMB board approved the appointment of Zhong Desheng as Chief Risk Officer and Zhou Tianhong as Chief Information Officer, pending regulatory approval.招商银行董事会同意聘任钟德胜为首席风险官、周天虹为首席信息官，待监管核准。
2024-08-02Vice President Zhu Jiangtao resigns as Chief Risk Officer; speculation that he will oversee corporate banking, aligning with risk-business separation requirements.副行长朱江涛辞任首席风险官，传闻将分管对公业务，符合风险与业务分离要求。
2024-11-13CMB conducted a series of personnel adjustments: Hou Weirong moved from President of Corporate Banking HQ to GM of Institutional Client Dept & Pension Finance Dept; Li Yunbo became GM of Corporate Banking HQ; Zhu Jing moved to Hefei Branch as Party Secretary. The bank abolished the 'President' title at HQ department level.招商银行进行系列人事调整：侯伟荣由公司金融总部总裁转任机构客户部总经理兼养老金融部总经理；李云波接任公司金融总部总经理；朱静出任合肥分行党委书记。总行部门不再设'总裁'一职。
2024-12-09NFRA approved Zhong Desheng as Executive Director and Chief Risk Officer of CMB, effective from December 6, 2024.国家金融监督管理总局核准钟德胜任招商银行执行董事和首席风险官，自2024年12月6日起生效。
2024-12-11NFRA approved Zhou Tianhong as Chief Information Officer of CMB, effective from December 5, 2024.国家金融监督管理总局核准周天虹任招商银行首席信息官，自2024年12月5日起生效。
2024-12-24CMB Shenzhen Branch Deputy President Wang Xinghai was appointed as Party Secretary and President of Shenzhen Branch, succeeding Vice President Wang Xiaoqing who previously held the concurrent role.招商银行深圳分行副行长王兴海出任深圳分行党委书记、行长，此前该职务由副行长王小青兼任。
2024-12-27CMB board approved the appointment of Lei Caihua and Xu Mingjie as Vice Presidents, effective upon NFRA approval; approved Zhong Desheng's resignation as Vice President for work reasons, effective December 27, 2024.招商银行董事会同意聘任雷财华、徐明杰为副行长（待国家金融监督管理总局核准），同意钟德胜因工作原因辞去副行长职务，自2024年12月27日起生效。
2025-01-06Zhong Desheng's role updated to Deputy Party Secretary and Chief Risk Officer, after resigning as Vice President on 2024-12-27; his CRO qualification was approved on 2024-12-06.钟德胜职务更新为党委副书记、首席风险官，此前于2024年12月27日辞去副行长职务；其首席风险官任职资格于2024年12月6日获批。
2025-01-20Board proposed to appoint Huang Yushan and Lu Liping as independent non-executive directors, subject to shareholder vote and NFRA approval.董事会提议委任黄玉山和卢力平为独立非执行董事，需经股东大会审议及国家金融监督管理总局核准。
2025-02-11China Merchants Bank board of supervisors approved the audit conclusion on the departure of the assistant president.招商银行监事会审议通过《关于行长助理离任审计结论的议案》。
2025-02-19China Merchants Bank Fuzhou branch president Huo Jianjun to become CMB International president; Chen Xiaoyang transferred as CFO of CMB International.招商银行福州分行行长霍建军拟出任招银国际总裁；陈晓阳调任招银国际财务总监。
2025-03-25Lu Xiaorong was promoted to General Manager of the Retail Financial Headquarters, succeeding Zhao Yue who will focus on private banking.陆小荣升任零售金融总部总经理，赵悦不再兼任，专注于私行业务。
2025-03-25Xia Lei was promoted to General Manager of the Information Technology Department.夏雷升任信息技术部总经理。
2025-04-07China Merchants Bank Shanghai Branch deputy president Wang Hanyong appointed as Quanzhou Branch president; former Quanzhou Branch president Sun Liping appointed as Jinan Branch president; former Jinan Branch president Xin Liang appointed as Taiyuan Branch president; Jinan Branch credit approval department GM Wang Shengjun appointed as Suzhou Branch deputy president.招行上海分行副行长王汉永出任泉州分行行长；原泉州分行行长孙立平出任济南分行行长；原济南分行行长辛亮接任太原分行行长；济南分行授信审批部总经理王胜军调任苏州分行副行长。
2025-04-21China Merchants Bank CIO Zhou Tianhong concurrently appointed as director of the Digital Finance Development Office; former director Gao Xulei moved to China Merchants Group as digitalization center director.招商银行首席信息官周天虹兼任数字金融发展办公室主任；原主任高旭磊调任招商局集团数字化中心主任。
2025-04-29China Merchants Bank board approved a proposal to abolish the board of supervisors, transferring its powers to the audit committee and establishing a employee director on the board, subject to shareholder and NFA approval.招商银行董事会审议通过《关于不再设置监事会的议案》，由董事会审计委员会承接监事会职权，在董事会设置职工董事，待股东大会及金融监管总局批准后生效。
2025-05-15Lei Caihua's appointment as Vice President of China Merchants Bank was approved by the National Financial Regulatory Administration, effective May 13, 2025.雷财华招商银行副行长任职资格获国家金融监督管理总局核准，自2025年5月13日起生效。
2025-05-23China Merchants Bank nominated Wang Xiaoqing as candidate for Executive Director of the 12th Board, pending shareholder vote and regulatory approval.招商银行提名王小青为第十二届董事会执行董事候选人，待股东大会审议及监管核准。
2025-05-29Lu Ming was appointed President of China Merchants Bank Shanghai Branch (including Shanghai Pilot Free Trade Zone Branch), replacing Lei Caihua who no longer holds the concurrent post.陆明出任招商银行上海分行（含上海自贸试验区分行）行长，雷财华不再兼任。
2025-06-03Zhu Jiangtao, former executive director and vice president of China Merchants Bank, resigned and was appointed president of China Merchants Securities, effective June 3, 2025.招商银行原执行董事、副行长朱江涛辞任，于2025年6月3日被聘任为招商证券总裁。
2025-06-06Xu Mingjie's qualification as vice president of China Merchants Bank was approved by the National Financial Regulatory Administration, effective June 4, 2025.国家金融监督管理总局核准徐明杰招商银行副行长的任职资格，自2025年6月4日起生效。
2025-06-10National Financial Regulatory Administration approved Lei Caihua's qualification as vice president of China Merchants Bank, effective May 13, 2025.国家金融监督管理总局批复核准雷财华担任招商银行副行长的任职资格，自2025年5月13日起生效。
2025-06-10National Financial Regulatory Administration approved Xu Mingjie's qualification as vice president of China Merchants Bank.国家金融监督管理总局核准徐明杰招商银行副行长的任职资格。
2025-06-25China Merchants Bank held its 2024 annual general meeting, electing Miao Jianmin as chairman of the 13th board, Shi Dai and Sun Yunfei as vice chairmen (subject to regulatory approval), and re-appointing Wang Liang as president.招商银行召开2024年度股东大会，选举缪建民为第十三届董事会董事长，石岱、孙云飞为副董事长（待核准），续聘王良为行长。
2025-06-26Chen Lei, former Party secretary and president of China Merchants Bank Chongqing branch, was arrested by the Supreme People's Procuratorate on suspicion of duty-related crimes.招商银行重庆分行原党委书记、行长陈磊被最高检依法逮捕。
2025-06-27CMB Wealth Management (Zhaoyin Licai) appointed Dong Fang as president, pending regulatory approval; Dong previously served as deputy general manager of China Merchants Fund.招银理财聘任董方为公司总裁（待监管核准），董方此前为招商基金副总经理。
2025-07-08Zhu Jiangtao resigned as executive director and vice president. Lei Caihua and Xu Mingjie were approved as new vice presidents, restoring the 'one president, five vice presidents' management structure: President Wang Liang, VPs Wang Xiaoqing, Wang Ying, Peng Jiawen, Lei Caihua, and Xu Mingjie.朱江涛辞去执行董事、副行长职务；雷财华、徐明杰获核准出任副行长，恢复'一正五副'管理架构：行长王良，副行长王小青、王颖、彭家文、雷财华、徐明杰。
2025-07-24Li Jian, General Manager of the Head Office's Consumer Industry Strategic Customer Department, is proposed to serve as Deputy General Manager of Shanghai branch.总行消费行业战略客户部总经理李健，拟任上海分行副行长。
2025-09-09CMB Shenzhen branch president Wang Xinghai and Guangzhou branch president Cui Jiakun were promoted to party committee members of head office, to be appointed as president assistants.招商银行深圳分行行长王兴海和广州分行行长崔家鲲已提任总行党委委员，拟任行长助理。
2025-10-09CMB appointed Cui Jiakun as Party secretary of Beijing branch (proposed president), replacing Xu Mingjie who was promoted to vice president; Lu Ming succeeded Lei Caihua as Shanghai branch president.招商银行任命崔家鲲为北京分行党委书记（拟任行长），接替升任副行长的徐明杰；陆明接替雷财华任上海分行行长。
2025-10-17Former CMB president Ma Weihua joined Jinke Properties as Party secretary and honorary chairman after its restructuring.招商银行前行长马蔚华加盟金科股份，任党委书记、荣誉董事长。
2025-10-23CMB conducted multiple executive changes: Li Hua (Suzhou branch president) proposed as Guangzhou branch president; Guo Xiumu (Urumqi branch president) proposed as Suzhou branch president; Zhang Hu proposed as Urumqi branch president.招商银行进行多家中层人事调整：苏州分行行长李骅拟任广州分行行长；乌鲁木齐分行行长郭秀目拟任苏州分行行长；张虎拟任乌鲁木齐分行行长。
2025-10-31CMB chief risk officer Zhong Desheng resigned effective October 31; vice president Xu Mingjie was appointed as new chief risk officer, pending regulatory approval.招商银行首席风险官钟德胜辞任，自2025年10月31日生效；董事会同意聘任副行长徐明杰为首席风险官，待监管核准。
2025-10-31CMB Chief Risk Officer Zhong Desheng resigned effective Oct 31, 2025; the board appointed Vice President Xu Mingjie as new Chief Risk Officer, pending regulatory approval.招商银行首席风险官钟德胜辞任（2025年10月31日生效）；董事会聘任副行长徐明杰为首席风险官（待监管核准）。
2025-11-19CMB appointed Peng Shaohong as Deputy GM of Strategic Client Department (from Chengdu branch president) and Zhu Mingjiang as Deputy GM of Risk Management Department (from Singapore branch president).招商银行总行战略客户部副总经理由原成都分行行长彭少鸿担任，风险管理部副总经理由原新加坡分行行长朱鸣江担任。
2025-11-19Xu Hongbo was appointed President of CMB Chengdu branch, succeeding Peng Shaohong; Fu Yebing was transferred from Shijiazhuang to Changsha branch president.徐宏波任招商银行成都分行行长（接替彭少鸿），付烨冰由石家庄分行调任长沙分行行长。
2025-11-21CMB Vice President Lei Caihua was appointed Chairman of Zhaoyin Financial Asset Investment Co., and Investment Banking Department General Manager Zheng Xinying as General Manager.招商银行副行长雷财华出任招银金融资产投资有限公司董事长，投资银行部总经理郑新盈任总经理。
2025-11-26CMB Vice President Wang Ying was appointed Chairman and legal representative of China Merchants Fund Management Co., effective Nov 27, 2025.招商银行副行长王颖出任招商基金管理有限公司董事长（法定代表人），自2025年11月27日起生效。
2025-12-29China Merchants Bank's board nominated Wang Xiaoqing as a candidate for non-executive director, subject to shareholder vote and NFRA approval.招商银行董事会提名王小青为非执行董事候选人，将提交股东会审议，任职资格需报国家金融监督管理总局核准。
2025-12-30China Merchants Bank announced that the NFRA approved the qualifications of Cui Jiakun and Wang Xinghai as assistant presidents, effective December 29, 2025. Cui concurrently serves as Beijing Branch president, Wang as Shenzhen Branch president.招商银行公告崔家鲲、王兴海行长助理任职资格获国家金融监督管理总局核准，自2025年12月29日起生效，崔家鲲兼任北京分行行长，王兴海兼任深圳分行行长。
2026-01-05Cui Jiakun and Wang Xinghai approved as general manager assistants of the head office, continuing as presidents of Beijing and Shenzhen branches respectively.崔家鲲、王兴海获核准担任招商银行总行行长助理，分别继续兼任北京分行和深圳分行行长。
2026-01-19CMB credit card center general manager Liu Jialong retired due to age, transferred to advisor; replaced by Li Mingdong, former general manager of the head office Wealth Platform Department.招商银行信用卡中心总经理刘加隆因到龄退休，转任顾问；由总行财富平台部总经理厉明东接任信用卡中心总经理。
2026-01-29CMB technology line senior management reshuffled: a new director of the Digital Finance Development Office (Shujinban) was internally promoted; CIO Zhou Tianhong no longer concurrently holds that position.招商银行科技条线高层变动：内部提拔一位数字金融发展办公室（数金办）主任，首席信息官周天虹不再兼任该职务。
2026-03-04CMB credit card business reshuffled: Li Mingdong succeeded Liu Jialong as GM of Credit Card Center; Li Sheng nominated as Guiyang Branch President.招商银行信用卡业务换帅：厉明东接替刘加隆任信用卡中心总经理；励盛拟任贵阳分行行长。
2026-03-09Approved Wang Ying as Chairwoman of CIGNA & CMB Asset Management; Wang Xiaoqing resigned.核准王颖担任招商信诺资产管理有限公司董事长；王小青不再担任。
2026-03-24CMB CIGNA Life Insurance GM Chang Ying resigned; Li Gongzheng (CMB Nanchang Branch President) nominated as successor; Liu Jun as interim head.招商信诺人寿总经理常颖辞职；李公正（招行南昌分行行长）拟接任；刘隽任临时负责人。
2026-04-30CMB announced President Wang Liang resigned due to age, effective 30 April 2026; board appointed Wang Xiaoqing as new President, pending regulatory approval; Wang Xiaoqing concurrently serves as Party Secretary.招商银行公告行长王良因年龄原因辞任，自2026年4月30日生效；董事会聘任王小青为行长，待监管核准；王小青同时任党委书记。
2026-04-30CMB board granted Wang Liang the title of 'CMB Lifetime Honorary Employee' for his nearly 31 years of service.招商银行董事会授予王良“招商银行终身荣誉行员”称号，表彰其近31年的服务。
2026-05-01Wang Xiaoqing appointed as President of China Merchants Bank, pending regulatory approval; Wang Liang resigns due to age after nearly 31 years of service.王小青被聘任为招商银行行长，待监管批复；王良因年龄原因辞任，服务近31年。
2026-06-25At 2025 annual general meeting, incoming president Wang Xiaoqing outlines 'Four Determinations' strategy: customer-centric, asset quality priority, retail banking as cornerstone, and continued tech investment.在2025年度股东会上，拟任行长王小青提出“四个定力”战略：以客户为中心、资产质量优先、坚持零售银行主体地位、持续加强科技投入。
2026-06-25CMB establishes a market value management team led by CFO Peng Jiawen, studying tools such as dividends and buybacks to enhance shareholder value.招商银行成立市值管理小组，由副行长彭家文兼任组长，研究分红、回购等工具提升市值。
Branch openings支行开业
24 · 2024-01-15 → 2026-05-08
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New CMB sub-branches open in multiple cities including Hangzhou, Tianjin, and Shanghai.招商银行在杭州、天津、上海等多地新设支行。
2024-01-15NFRA Zhejiang approved the opening of CMB Hangzhou Future Sci-Tech sub-branch.国家金融监督管理总局浙江监管局同意招商银行杭州未来科技支行开业。
2024-02-04CMB Tianjin Huanyucheng Sub-branch officially opened on Feb 2, 2024, with senior management attending the ceremony.招商银行天津环宇城支行于2024年2月2日盛大开业，分行行长等管理层出席开业典礼。
2024-02-08CMB Shenyang Sanhaoqiao Sub-branch approved for opening by Liaoning Financial Regulatory Bureau; address at 17/F, Xinshijie Fengsheng Business Building, Heping District, Shenyang.招商银行沈阳三好桥支行获辽宁金融监管局批准开业，地址位于沈阳市和平区三好街136号新世界丰盛商务大厦17层。
2024-03-06Opened a new sub-branch in Hohhot, Tengfei Road Sub-branch, providing comprehensive retail and corporate financial services.呼和浩特腾飞路支行盛大开业，提供零售、对公等综合化金融服务。
2024-03-07Opened a new sub-branch in Shanghai, Chuansha Sub-branch, the 107th outlet in Shanghai and the first in the Chuansha area.上海川沙支行正式开业，是上海地区第107家网点，也是川沙地区第一家支行。
2024-03-20Regulatory approval granted for the opening of the Xining International Trade Building Sub-branch.同意招商银行股份有限公司西宁国贸大厦支行开业。
2024-04-01CMB Tianjin Baodi sub-branch officially opened, expanding its presence in the Baodi district to serve the Beijing-Tianjin-Hebei coordinated development.招商银行天津宝坻支行正式开业，深耕宝坻市场，推动京津冀协同发展。
2024-04-19CMB Tianjin Wudadao sub-branch and private banking center officially opened, located in the core scenic area of Wudadao, serving high-net-worth clients.招商银行天津五大道支行暨私人银行中心开业，位于五大道景区核心地带。
2024-05-16CMB Tianjin Tiankaiyuan Science and Technology Finance Sub-branch and Private Banking (Tianjin Nankai) Center officially opened, focusing on tech enterprise services.招商银行天津天开园科技金融支行暨私人银行（天津南开）中心正式开业，专注科技企业服务。
2024-05-18CMB Ningbo Yinzhou South Central Sub-branch was approved to open for business.招商银行宁波鄞州南部中心支行获批开业。
2024-05-21CMB Guangzhou Knowledge City Sub-branch officially opened in Knowledge Tower, marking a new step in serving the Knowledge City area.招商银行广州知识城支行正式进驻知识大厦开业，服务知识城区域。
2024-06-18CMB Harbin Youyi sub-branch obtained approval from the NFRA Heilongjiang bureau to open for business.招商银行哈尔滨友谊支行获国家金融监督管理总局黑龙江监管局批准开业。
2024-07-04The Zhejiang Regulatory Bureau of the National Financial Regulatory Administration approved the opening of China Merchants Bank's Hangzhou Yungu sub-branch.国家金融监督管理总局浙江监管局批复同意招商银行杭州云谷支行开业。
2024-12-10Shaanxi NFRA approved the opening of CMB Xi'an Xitai Road Sub-branch.陕西监管局批复同意招商银行西安西太路支行开业。
2024-12-27Zhejiang NFRA approved the opening of CMB Hangzhou Gongshu Sub-branch.浙江监管局批复同意招商银行杭州拱墅支行开业。
2025-01-10Kunming Hongyun community sub-branch upgraded to a full sub-branch, approved by Yunnan Financial Regulatory Bureau.昆明红云社区支行升格为昆明红云支行，获云南金融监管局批复。
2025-01-13Qujing Qilin Jiacheng community sub-branch upgraded to a full sub-branch, approved by Qujing Financial Regulatory Sub-Bureau.曲靖麒麟嘉城社区支行升格为曲靖麒麟嘉城支行，获曲靖金融监管分局批复。
2025-01-15Sanya Yazhou Bay Science and Technology City sub-branch officially opened for business, the 12th branch in Hainan.三亚崖州湾科技城支行正式挂牌营业，系海南第12家分支机构。
2025-02-26Regulator approved opening of China Merchants Bank Chongqing Shuangfu sub-branch.监管同意招商银行重庆双福支行开业。
2025-07-22Shaanxi Financial Regulatory Bureau approved the opening of Xi'an Hangkong Sanlu Sub-branch (Xi'an Aviation Third Road Sub-branch), a new outlet of CMB Xi'an branch.陕西金融监管局批复同意招商银行西安航空三路支行开业。
2025-10-28CMB Chongqing Chayuan New Area sub-branch officially opened for business, as a 3.0 version modern outlet.招商银行重庆茶园新区支行正式揭牌运营，为3.0版现代化网点。
2025-12-10China Merchants Bank Xi'an Aviation Third Road Sub-branch officially opened in Yanliang, focusing on serving the aviation industry chain and providing integrated financial solutions for aviation R&D, manufacturing, supporting, and maintenance.招商银行西安航空三路支行在阎良正式揭牌开业，聚焦航空全产业链，为航空研发、制造、配套、维修等提供一体化金融解决方案。
2026-04-30CMB Xiamen Science City sub-branch approved to open, located at No. 7-102 Zhigu East 5th Road, Tong'an District, Xiamen.招商银行厦门科学城支行获准开业，营业场所为厦门市同安区智谷东五路7-102号。
2026-05-08Wenzhou regulatory bureau approved the opening of CMB Wenzhou Pingyang sub-branch.温州监管分局批复同意招商银行温州平阳支行开业。
CMB Custody+ brand招商银行托管+品牌
1 · 2024-01-16
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CMB launches 'CMB Custody+' brand with custody AUM exceeding RMB 21 trillion.招商银行发布'托管+'品牌，托管规模超21万亿元。
2024-01-16CMB launched the 'CMB Custody+' brand at a brand renewal and service upgrade conference, with custody AUM exceeding RMB 21 trillion in 2023.招商银行发布“招商银行托管+”全新品牌，2023年资产托管规模超21万亿元。
Annual results年度业绩
25 · 2024-01-19 → 2026-05-01
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CMB releases annual and quarterly financial results with revenue and profit trends.招商银行发布年度及季度财务业绩，显示营收和利润变化趋势。
2024-01-19CMB released 2023 preliminary results: revenue RMB 339.123B (-1.64% YoY), net profit RMB 146.602B (+6.22% YoY), NPL ratio 0.95% (-0.01pp), provision coverage 437.70% (-13.09pp).招商银行发布2023年度业绩快报：营业收入3391.23亿元（同比-1.64%），净利润1466.02亿元（同比+6.22%），不良贷款率0.95%（-0.01个百分点），拨备覆盖率437.70%（-13.09个百分点）。
2024-02-04China Merchants Bank released 2023 annual performance preview: revenue 339.123 billion yuan, down 1.64% YoY; net profit attributable to shareholders 146.602 billion yuan, up 6.22% YoY; NPL ratio 0.95%, down 0.01 ppt; provision coverage 437.70%, down 13.09 ppt.招商银行发布2023年度业绩快报：营业收入3391.23亿元，同比下降1.64%；归母净利润1466.02亿元，同比增长6.22%；不良贷款率0.95%，下降0.01个百分点；拨备覆盖率437.70%，下降13.09个百分点。
2024-03-25Released 2023 annual report: revenue RMB 339.123 billion (-1.64% YoY), net profit RMB 146.602 billion (+6.22% YoY), proposed cash dividend of RMB 1.972 per share.发布2023年年报：营业收入3391.23亿元（同比-1.64%），净利润1466.02亿元（同比+6.22%），拟每股现金分红1.972元。
2024-04-01China Merchants Bank (CMB) 2023 annual report: revenue 339.123 billion yuan, -1.64% YoY, first decline in 14 years; net profit 146.602 billion yuan, +6.22% YoY; NPL balance 61.579 billion yuan, +3.575 billion yuan; NPL ratio 0.95%.招商银行2023年年报：营业收入3391.23亿元，同比下降1.64%，为14年来首次下滑；净利润1466.02亿元，同比增长6.22%；不良贷款余额615.79亿元，增加35.75亿元；不良率0.95%。
2024-04-29CMB reported Q1 2024 results: revenue 86.417 billion yuan, -4.65% YoY; net profit 38.077 billion yuan, -1.96% YoY; NIM 2.02%, down 27 bps YoY; NPL ratio 0.92%, down 3 bps from end-2023.招商银行2024年一季报：营收864.17亿元，同比下降4.65%；净利润380.77亿元，同比下降1.96%；净息差2.02%，同比下降27BP；不良率0.92%，较上年末下降0.03个百分点。
2024-08-20Announces 2024 interim results conference and proposal to consider interim dividend on August 29, 2024.宣布于2024年8月29日召开中期业绩说明会并考虑派发中期股息。
2024-08-29Reports 2024 H1 results: revenue RMB 172.945B (-3.09% YoY), net profit RMB 74.743B (-1.33% YoY); NIM 2.00%; NPL ratio 0.94% (-0.01ppt); no interim dividend declared.发布2024年半年度报告：营业收入1729.45亿元（同比-3.09%），净利润747.43亿元（同比-1.33%），净息差2.00%，不良率0.94%（-0.01个百分点），不派发中期股利。
2024-09-01China Merchants Bank (CMB) reported 2024 H1 results: revenue 172.945B yuan, -3.09% YoY; net profit 74.743B yuan, -1.33% YoY; net interest income 104.449B yuan, -4.17% YoY; non-interest income 68.496B yuan, -1.39% YoY.招商银行公布2024年上半年业绩：营业收入1729.45亿元，同比下降3.09%；净利润747.43亿元，同比下降1.33%；净利息收入1044.49亿元，同比下降4.17%；非利息净收入684.96亿元，同比下降1.39%。
2024-10-29CMB reports Q3 2024 results: net profit CNY 38.441 billion, +0.79% YoY; 9M net profit CNY 113.184 billion, -0.62% YoY; NIM 1.99%, -20bp YoY.招商银行发布2024年三季报：第三季度净利润384.41亿元，同比增0.79%；前三季度净利润1131.84亿元，同比降0.62%；净息差1.99%，同比降20BP。
2025-01-142024 annual results: revenue 337.537 billion yuan (-0.47% YoY), net profit 148.391 billion yuan (+1.22% YoY); NPL ratio 0.95% (flat), provision coverage 411.98% (-25.72pp).2024年度业绩快报：营业收入3375.37亿元（同比-0.47%），净利润1483.91亿元（同比+1.22%）；不良贷款率0.95%（持平），拨备覆盖率411.98%（下降25.72个百分点）。
2025-02-11China Merchants Bank 2024 preliminary results: revenue ~337.5 billion yuan (YoY -0.47%), net profit 148.4 billion yuan (YoY +1.22%), NPL ratio 0.95%, provision coverage 411.98%.招商银行2024年业绩预告：营收约3375亿元（同比-0.47%），归母净利润1484亿元（同比+1.22%），不良贷款率0.95%，拨备覆盖率411.98%。
2025-03-25Released 2024 annual report: revenue of 337.488 billion yuan (-0.48% YoY), net profit attributable to shareholders of 148.391 billion yuan (+1.22% YoY). Proposed a cash dividend of 2.00 yuan per share (total ~50.44 billion yuan, payout ratio 35.32%).发布2024年年报：营业收入3374.88亿元（同比-0.48%），归母净利润1483.91亿元（同比+1.22%）。拟每股现金分红2.00元（合计约504.4亿元，分红率35.32%）。
2025-04-29China Merchants Bank Q1 2025 results: revenue RMB 83.751 billion (-3.09% YoY), net profit RMB 37.286 billion (-2.08% YoY); net interest income RMB 52.996 billion (+1.92% YoY); NIM 1.91% (-3bps QoQ); NPL ratio 0.94% (-1bp QoQ); total assets RMB 12.53 trillion (+3.11% vs end-2024).招商银行2025年一季报：营业收入837.51亿元（同比-3.09%），净利润372.86亿元（同比-2.08%）；净利息收入529.96亿元（同比+1.92%）；净息差1.91%（环比-3BP）；不良贷款率0.94%（环比-0.01个百分点）；资产总额12.53万亿元（较上年末+3.11%）。
2025-05-06China Merchants Bank reported Q1 2025 results: revenue RMB 83.751 billion (-3.09% YoY), net profit RMB 37.286 billion (-2.08% YoY).招商银行发布2025年一季报：营业收入837.51亿元（同比-3.09%），净利润372.86亿元（同比-2.08%）。
2025-05-06China Merchants Bank's Q1 2025 NIM narrowed to 1.91% (vs 1.94% in Q4 2024); NPL ratio improved 1bp QoQ to 0.94%; deposit cost fell 11bp to 1.29%.招商银行2025年一季度净息差收窄至1.91%（2024年四季度为1.94%）；不良率环比下降1个基点至0.94%；存款成本率下降11个基点至1.29%。
2025-08-29CMB released 2025 interim results: revenue 169.923 billion yuan, down 1.73% YoY; net profit 74.93 billion yuan, up 0.25% YoY; first interim dividend at 35% payout ratio.招商银行发布2025年中期业绩：营业收入1699.23亿元，同比下降1.73%；净利润749.3亿元，同比增长0.25%；首次中期分红，分红比例35%。
2025-09-01CMB reported 2025H1 results: revenue 169.969 billion yuan, -1.72% YoY; net profit 74.930 billion yuan, +0.25% YoY; Q2 net profit turned positive. NIM was 1.88%, down 12 bps YoY. NPL ratio 0.93%, down 2 bps from end-2024.招商银行发布2025年中期业绩：营收1699.69亿元，同比-1.72%；净利润749.30亿元，同比+0.25%；Q2净利润增速转正。净息差1.88%，同比下降12个基点。不良贷款率0.93%，较上年末下降0.02个百分点。
2025-10-29CMB reported Q3 2025 results: Q3 revenue 81.451 billion yuan (+2.11% YoY), net profit 38.842 billion yuan (+1.04% YoY); 9M revenue 251.42 billion yuan (-0.51% YoY), net profit 113.772 billion yuan (+0.52% YoY); NIM 1.87% (-12bps YoY).招商银行发布2025年三季报：三季度营收814.51亿元（同比+2.11%），净利润388.42亿元（同比+1.04%）；前三季度营收2514.2亿元（同比-0.51%），净利润1137.72亿元（同比+0.52%）；净息差1.87%（同比下降12BP）。
2025-10-29CMB reported 2025 Q3 results: 9M net profit attributable to shareholders 113.772 billion yuan (+0.52% YoY); NPL ratio 0.94% (-0.01ppt vs end-2024); provision coverage 405.93% (-6.05ppt).招商银行2025年三季报：前三季度归母净利润1137.72亿元（同比+0.52%）；不良贷款率0.94%（较上年末-0.01ppt）；拨备覆盖率405.93%（-6.05ppt）。
2026-01-23CMB released 2025 annual performance preliminary results: revenue 337.532 billion yuan (+0.01% YoY), net profit attributable to shareholders 150.181 billion yuan (+1.21% YoY); total assets 13.07 trillion yuan (+7.56% YoY); NPL ratio 0.94% (-0.01ppt); provision coverage ratio 391.79% (-20.19ppt).招商银行发布2025年度业绩快报：营业收入3375.32亿元（同比+0.01%），归母净利润1501.81亿元（同比+1.21%）；总资产13.07万亿元（同比+7.56%）；不良贷款率0.94%（-0.01个百分点）；拨备覆盖率391.79%（-20.19个百分点）。
2026-03-27CMB 2025 annual results: net profit 150.18 billion yuan (+1.21%), revenue 337.53 billion yuan (+0.01%), NIM 1.87%, NPL ratio 0.94%, AUM over 17 trillion yuan.招商银行2025年业绩：净利润1501.81亿元（+1.21%），营收3375.32亿元（+0.01%），净息差1.87%，不良率0.94%，AUM超17万亿元。
2026-03-27CMB 2025 annual results: proposed full-year cash dividend of 2.016 yuan per share (payout ratio 35.34%), totaling ~50.84 billion yuan.招商银行2025年度拟每股现金分红2.016元（含税），分红比例35.34%，总额约508.43亿元。
2026-04-01CMB 2025 annual report: net profit first exceeded RMB 150 billion, reaching RMB 150.181 billion, up 1.21% YoY; revenue RMB 337.532 billion, up 0.01% YoY; net fee and commission income RMB 75.258 billion, up 4.39% YoY; retail AUM exceeded RMB 17 trillion; proposed cash dividend ratio raised to 35% or higher.招商银行2025年报：归母净利润首次突破1500亿元至1501.81亿元，同比增长1.21%；营收3375.32亿元，同比微增0.01%；净手续费及佣金收入752.58亿元，同比增长4.39%；零售AUM突破17万亿元；拟将现金分红比例提升至35%或更高。
2026-04-28CMB 2026 Q1 results: revenue RMB 86.940 billion, up 3.81% YoY; net profit RMB 37.852 billion, up 1.52% YoY; net interest income RMB 55.642 billion, up 4.99% YoY; NIM 1.83%; total assets RMB 13.4848 trillion, up 3.17% from end-2025.招商银行2026年一季报：营收869.40亿元，同比增长3.81%；净利润378.52亿元，同比增长1.52%；净利息收入556.42亿元，同比增长4.99%；净息差1.83%；总资产13.48万亿元，较上年末增长3.17%。
2026-05-01Q1 2026 results: revenue 86.94B yuan (+3.81% YoY), net profit 37.85B yuan (+1.52% YoY); NPL ratio stable at 0.94%.2026年一季度业绩：营收869.4亿元（同比+3.81%），净利润378.5亿元（同比+1.52%）；不良率稳定在0.94%。
NPL disposal不良资产处置
3 · 2024-01-19 → 2024-12-31
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CMB posts non-performing credit card loan transfer projects and approves NPL disposal proposals.招商银行挂牌转让信用卡不良贷款项目，董事会批准不良资产处置议案。
2024-01-19CMB credit card center posted 3 batches of non-performing personal credit card loan transfer projects in 2024, totaling 10,632 assets with outstanding principal and interest of RMB 277 million.招商银行信用卡中心发布3期2024年个人不良贷款（信用卡透支）转让项目，资产笔数合计10632笔，未偿本息总额2.77亿元。
2024-09-29CMB board of directors passed a resolution on non-performing asset disposal at the 40th meeting of the 12th board.招商银行第十二届董事会第四十次会议审议通过了《关于不良资产处置的议案》。
2024-12-31CMB board approved the '2024 Business Performance Assessment Proposal' and the 'Non-performing Asset Disposal Proposal'.招商银行董事会审议通过了《关于2024年经营绩效考核的议案》和《关于不良资产处置的议案》。
Headquarters building smart project总部大楼智能化项目
2 · 2024-01-24 → 2025-03-04
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CMB signs contract for headquarters building smart project with Dasheng Intelligent and China Fortune Land.招商银行与达实智能、华夏幸福签约总部大楼智能化项目。
2024-01-24CMB signed a RMB 116.88 million contract with Dasheng Intelligent and China Fortune Land for the CMB headquarters building smart project.招商银行与达实智能、华夏幸福就招商银行总部大厦智能化项目签署合同，金额1.1688亿元。
2025-03-04Zhengtong Co. won the bid for the 'CMB Headquarters Building Project Conference/AV System Supply and Installation (Section 1)', with a bid price of 48.709 million yuan.真视通中标“招商银行总部大厦项目会议/AV系统供应及安装（标段一）”，中标价4870.9万元。
HarmonyOS native apps鸿蒙原生应用
5 · 2024-01-24 → 2025-06-09
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CMB apps complete core version development for HarmonyOS native apps, among first in financial industry.招商银行App和掌上生活App完成鸿蒙原生应用核心版本开发，属金融行业首批。
2024-01-24CMB's two apps (CMB App and Zhangshang Shenghuo) completed core version development for HarmonyOS native apps, among the first in the financial industry.招商银行App及掌上生活App在金融行业中首批完成鸿蒙原生应用核心版本开发。
2024-03-01Announced that both the China Merchants Bank App and Zhangshang Life App have joined the HarmonyOS ecosystem and initiated native app development.宣布招商银行App和掌上生活App均已加入鸿蒙生态，并启动原生应用开发。
2024-06-28CMB confirmed that its CMB App and CMB Life App have joined the HarmonyOS ecosystem and started native application development.招商银行确认旗下招商银行App和掌上生活App已加入鸿蒙生态并启动原生应用开发。
2024-10-17CMB launches multiple apps on Huawei HarmonyOS NEXT app store, including CMB App, CMB Life, CMB Corporate Bank, and CMB Salary Benefits.招商银行多款应用在华为HarmonyOS NEXT应用市场上架，包括招商银行App、掌上生活、招行企业银行、掌上薪福通。
2025-06-09China Merchants Bank's corporate banking app HarmonyOS version was updated, leveraging HarmonyOS 5 for intelligent interaction and enhanced security, including 'circle-to-pay' and 'Xiaoyi circle-select' features.招行企业银行App鸿蒙版迎来重要更新，依托鸿蒙5实现智能交互与安全性能双重飞跃，引入“圈选即支付”和“小艺圈选”功能。
Industry rankings行业排名
1 · 2024-01-24
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CMB ranks first in Bloomberg's 2023 Asia-Pacific M&A syndicated loan rankings.招商银行在彭博2023年亚太区并购银团贷款排名中位列第一。
2024-01-24CMB ranked first in both bookrunner and lead arranger in Bloomberg's 2023 Asia-Pacific M&A syndicated loan rankings.招商银行在彭博2023年度亚太区并购银团排名中夺得簿记行和牵头行两个第一。
Retail organization restructuring零售组织架构调整
4 · 2024-01-26 → 2024-04-12
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CMB restructures retail organization, establishing Retail Customer Group department.招商银行调整零售组织架构，新设零售客群部。
2024-01-26CMB restructured retail organization, newly established Retail Customer Group department, with Li Mingdong (head of Wealth Platform Dept.) concurrently serving as its GM.招商银行调整零售架构，新设零售客群部，由财富平台部总经理厉明东兼任总经理。
2024-02-05CMB restructured retail business organization, newly established a first-level department 'Retail Customer Group Department' under the retail line, now comprising Retail Financial HQ, Wealth Platform, Private Banking, Retail Credit, and Retail Customer Group.招商银行零售业务组织架构调整，新设一级部门零售客群部，零售条线下设零售金融总部、财富平台部、私人银行部、零售信贷部和零售客群部。
2024-03-27At the 2023 annual results conference, the bank stated it had set up a new Retail Customer Group department at the head office to serve non-private banking retail customers.在2023年度业绩发布会上表示，总行新设零售客群部，专门服务除私人银行客户之外的其他零售客户。
2024-04-12CMB restructured retail customer management: from April 2024, all retail customers with AUM below 200,000 yuan will be centrally managed by the newly established Retail Customer Group's remote service center.招商银行自2024年4月起将零售AUM 20万元及以下客户收归总行新设零售客群部远程服务中心集约化经营。
Data partnership数据合作
1 · 2024-01-31
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CMB Shenzhen branch partners with Housing Provident Fund Center to launch 'Huiquan Financial Services'.招商银行深圳分行与公积金中心合作推出'惠企金融服务'。
2024-01-31CMB Shenzhen branch partnered with Shenzhen Housing Provident Fund Center to launch 'Huiquan Financial Services' for enterprises based on provident fund data.招商银行深圳分行与深圳市住房公积金管理中心合作推出基于公积金数据的“惠企金融”服务。
Former executive sentencing原行长田惠宇案
4 · 2024-02-05 → 2025-05-15
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Former CMB President Tian Huiyu sentenced to death with reprieve for bribery and other crimes.招商银行原行长田惠宇因受贿等罪被判死缓。
2024-02-05Former CMB President Tian Huiyu sentenced to death with a two-year reprieve for bribery (210 million yuan), abuse of power, insider trading, and illegal disclosure; confiscation of all personal property.招商银行原行长田惠宇因受贿（2.1亿元）、国有公司人员滥用职权、利用未公开信息交易、内幕交易、泄露内幕信息一审被判死刑，缓期二年执行，没收个人全部财产。
2024-08-21Former Vice President Ding Wei placed under disciplinary review and investigation for suspected serious violations of discipline and law by China Merchants Group Discipline Commission and Qinghai Supervisory Commission.原党委委员、副行长丁伟涉嫌严重违纪违法，接受招商局集团纪委和青海省监委纪律审查和监察调查。
2025-02-21Former China Merchants Bank vice president Ding Wei arrested on suspicion of bribery, case transferred to Qinghai Haidong procuratorate for review.招商银行原党委委员、副行长丁伟涉嫌受贿被逮捕，案件移送青海省海东市人民检察院审查起诉。
2025-05-15Former Vice President Ding Wei of China Merchants Bank was indicted for alleged bribery, with the case transferred for public prosecution.招商银行原副行长丁伟因涉嫌受贿罪被提起公诉，案件已移送检察机关。
Mortgage dispute按揭纠纷
1 · 2024-02-05
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CMB Putian branch refuses to release mortgage, blocking homebuyers from online signing.招商银行莆田分行拒绝解押，导致购房者无法网签。
2024-02-05CMB Putian Branch refused to release mortgage on a project by Zhengjia (Putian) Real Estate, blocking 20+ homebuyers from online signing, citing insufficient remaining asset coverage for the development loan.招商银行莆田分行以项目剩余资产覆盖不了开发贷为由，拒绝为正嘉（莆田）置业在建抵押房源解押，影响20多户准业主无法网签。
Real estate financing mechanism房地产融资协调机制
1 · 2024-02-11
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CMB establishes special task force to support stable and healthy real estate market development.招商银行成立专项工作小组，支持房地产市场平稳健康发展。
2024-02-11CMB Vice President Zhu Jiangtao chaired a meeting to implement the urban real estate financing coordination mechanism, establishing a special task force to support stable and healthy real estate market development.招商银行副行长朱江涛主持召开贯彻落实城市房地产融资协调机制工作启动会，成立工作专班，部署支持房地产市场平稳健康发展。
SMS notification service change短信通知服务调整
1 · 2024-02-18
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CMB adjusts SMS notification service for quick-pay transactions, directing customers to app.招商银行调整小额快捷支付短信通知服务，引导客户使用App。
2024-02-18CMB adjusted SMS notification service: from Feb 18, 2024, no longer sends SMS for quick-pay transactions ≤5,000 yuan per order or ≤15,000 yuan daily aggregate for unsubscribed customers; directs users to CMB App for free alerts.招商银行调整一卡通/一网通账户变动短信通知策略：自2024年2月18日起，对未开通短信服务的客户不再发送快捷支付单日单笔5000元（含）以下或单日累计15000元（含）以下的动账短信，引导使用App免费消息中心。
Structured deposit deal结构性存款协议
1 · 2024-02-21
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CMB signs structured deposit agreement for 200 million yuan using temporarily idle raised funds.招商银行签署2亿元结构性存款协议，使用暂时闲置募集资金。
2024-02-21CMB signed a structural deposit agreement with Xuchang branch of CMB for 200 million yuan (90-day and 89-day structured deposits) using temporarily idle raised funds.招商银行许昌分行与某公司签订结构性存款协议，使用暂时闲置募集资金2亿元购买招商银行点金系列结构性存款产品（90天/89天）。
Corporate banking cooperation对公业务合作
1 · 2024-02-22
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CMB Jinan branch and Shandong Gold Group deepen enterprise-bank cooperation.招商银行济南分行与山东黄金集团深化银企合作。
2024-02-22CMB Jinan Branch and Shandong Gold Group held talks to deepen enterprise-bank cooperation, with CMB committing to innovative financial products and services.招商银行济南分行与山东黄金集团举行工作座谈，就深化企银合作达成共识，招商银行将创新金融产品、优化服务。
Apple Vision Pro appApple Vision Pro应用
1 · 2024-02-23
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CMB becomes first Chinese bank to launch native app on Apple Vision Pro.招商银行成为首家在Apple Vision Pro上推出原生应用的中国银行。
2024-02-23CMB became the first Chinese bank to launch a native app on Apple Vision Pro, fully adapting visionOS with features like multi-window, immersive video, and 3D interaction.招商银行成为首家适配苹果Vision Pro头显的国内银行App，全面适配visionOS，推出多窗分屏、沉浸式视频、3D互动等功能。
Note issuance票据发行
1 · 2024-02-27
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CMB International Global Products issues notes worth USD 2.9 million to Zhimei Sports Group.招商国际环球产品有限公司向智美体育集团发行290万美元票据。
2024-02-27CMB International Global Products Ltd issued notes worth USD 2.9 million to Zhimei Sports Group, guaranteed by CMB's wholly-owned subsidiary, maturing Feb 28, 2025.招商银行全资附属公司担保的CMB International Global Products Limited向智美体育发行290万美元票据，期限至2025年2月28日。
Government cooperation政银合作
5 · 2024-02-29 → 2026-05-29
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CMB signs strategic cooperation agreements with Binzhou city and other local governments.招商银行与滨州市政府等地方政府签署战略合作协议。
2024-02-29CMB Jinan Branch signed a strategic cooperation agreement with Binzhou City Government to leverage resources and promote high-quality development.招商银行济南分行与滨州市政府签署战略合作协议，共享资源优势，推动高质量发展。
2024-06-22Jiujiang city government signed a strategic cooperation agreement with CMB Nanchang branch, focusing on tech finance, green finance, pension finance, inclusive finance, and digital economy.九江市政府与招商银行南昌分行签署战略合作协议，聚焦科技金融、绿色金融、养老金融、普惠金融和数字经济。
2025-10-18CMB signed a strategic cooperation agreement with Hefei municipal government, focusing on sci-tech innovation, industrial development, and project construction.招商银行与合肥市政府签署战略合作协议，拓展科技创新、产业发展、项目建设等领域合作。
2025-11-24CMB President Wang Liang met with Ningxia government officials, discussing deeper cooperation in key industries, infrastructure, and enterprise transformation.招商银行行长王良会见宁夏自治区政府，探讨在重点特色产业、基础设施建设和企业转型升级等方面深化合作。
2026-05-29Nanjing branch party secretary Dai Shenyu met Zhenjiang city party secretary to discuss cooperation in tech finance, green finance, and state-owned enterprise reform.南京分行党委书记戴深宇会见镇江市委书记，探讨科技金融、绿色金融、国企改革等领域合作。
Kechuang Dai (Sci-Tech Loan)科创贷
4 · 2024-03-04 → 2026-03-11
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CMB launches 'Kechuang Dai' financing product for tech enterprises with no collateral.招商银行推出'科创贷'产品，为科技企业提供免抵押融资。
2024-03-04Launched 'Kechuang Dai' (Sci-Tech Loan) financing product for tech enterprises, featuring no collateral, efficient approval, and convenient drawdown.推出为科技型企业量身打造的“科创贷”融资产品，具有无需抵押物、审批高效、提款便捷等优势。
2025-10-02CMB launched the third version of 'KeChuang Dai' (Sci-Tech Loan) for sci-tech enterprises, adding 'KeChuang RenCai Dai' (Sci-Tech Talent Loan) and 'KeChuang JiGai Dai' (Sci-Tech Technical Transformation Loan) models, with a maximum credit of 30 million yuan and 'no repayment for renewal' function.招商银行面向科创企业推出第三版“科创贷”，增设“科创人才贷”“科创技改贷”模式，最高融资3000万元，提供“无还本续贷”功能。
2026-01-04Xi'an branch launched 'Sci-Tech Talent Loan' providing 3 million yuan pure credit loan to Shaanxi TPDL Technology Co., Ltd., targeting university researchers and tech startups.招商银行西安分行推出'科创人才贷'，为陕西TPDL科技有限公司提供300万元纯信用贷款，面向高校科研人才和科技初创企业。
2026-03-11CMB Xi'an Branch landed the first 'Alumni Sci-Tech Loan' in the system, granting a 3 million yuan credit line to a semiconductor tech firm.招商银行西安分行落地系统内首笔'科创校友贷'，向一家半导体科技企业授信300万元。
Lawsuit resolution诉讼结案
1 · 2024-03-06
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Savings deposit contract dispute lawsuit withdrawn by plaintiff.储蓄存款合同纠纷案原告撤诉。
2024-03-06A savings deposit contract dispute lawsuit filed by an individual plaintiff against the bank was withdrawn by the plaintiff, as per a court ruling.一起个人原告对招商银行提起的储蓄存款合同纠纷案，原告撤诉。
Rural revitalization partnership乡村振兴合作
1 · 2024-03-12
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CMB partners with China Life Asset Management to launch specialty agricultural products on app.招商银行与国寿资产合作，在App上线特色农产品助力乡村振兴。
2024-03-12Partnered with China Life Asset Management Company to launch specialty agricultural products from Danjiangkou, Hubei on the Zhangshang Life App, supporting rural revitalization.携手国寿资产，在掌上生活App首发上线湖北省丹江口市特色农副产品，助力乡村振兴。
Digital Finance Exhibition Hall数字金融展厅
2 · 2024-03-15 → 2025-01-06
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CMB Xi'an branch unveils Digital Finance Exhibition Hall showcasing digital finance development.招商银行西安分行数字金融展厅正式亮相。
2024-03-15Announced that the Digital Finance Exhibition Hall of the Xi'an Branch was officially unveiled, showcasing digital finance development history, service systems, and capabilities.西安分行数字金融展厅正式亮相，展示数字金融发展历程、服务体系和服务能力。
2025-01-06Beijing branch inaugurated a digital finance exhibition hall covering nearly 400 sqm, showcasing retail, corporate, and inclusive finance, with partners 360 Group and China Film Co.北京分行启用数字金融展厅，面积近400平方米，涵盖零售、公司、普惠金融等区域，合作方包括360集团和中影股份。
CRRC strategic partnership中车战略合作
1 · 2024-03-18
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CMB signs strategic cooperation agreement on industrial chain finance with CRRC Corporation.招商银行与中车集团签署产业链金融战略合作协议。
2024-03-18Signed a strategic cooperation agreement on industrial chain finance with CRRC Corporation, becoming one of four strategic partner banks for the 'Gongxing Action'.与中国中车签署产业链金融合作协议，成为“共链行动”四家战略合作银行之一。
Hong Kong branch policy change香港分行政策调整
1 · 2024-03-19
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CMB raises minimum asset requirement for opening 'Yikatong' account at Hong Kong branch to HKD 8 million.招商银行香港分行将'一卡通'开户最低资产要求提高至800万港元。
2024-03-19Announced that from March 29, 2024, the minimum asset requirement for opening a 'Yikatong' account at the Hong Kong branch will be raised to HKD 8 million.宣布自2024年3月29日起，香港分行开设一卡通账户须存入及维持账户资产800万港币最低要求。
Gold account adjustment黄金账户调整
10 · 2024-03-20 → 2026-03-24
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CMB adjusts gold account minimum subscription amount and service hours multiple times.招商银行多次调整黄金账户最低申购金额和服务时间。
2024-03-20Adjusted gold account business: the minimum subscription amount for gold account demand and fixed investment was raised from RMB 500 to RMB 600, and service hours extended to 9:00-24:00.调整黄金账户业务：黄金账户活期及定投认购起点由500元调整为600元，服务时间延长至9:00-24:00。
2025-02-07China Merchants Bank adjusted gold account interest rates: demand annualized rate to 0.01%, 3-month to 0.1%, 6-month to 0.1%, 9-month to 0.2%, 1-year to 0.3%, effective Feb 12.招商银行调整黄金账户利率：活期年化利率调至0.01%，三个月期0.1%，六个月期0.1%，九个月期0.2%，一年期0.3%，2月12日起生效。
2025-02-14China Merchants Bank raised gold account purchase threshold: demand and fixed-investment minimum from 1g/650 yuan to 1g/700 yuan, effective Feb 24.招商银行上调黄金账户认购起点：活期买入及定投起点由1克/650元调整为1克/700元，2月24日起生效。
2025-03-24From March 27, 2025, the minimum purchase amount for gold account spot and fixed investment will be adjusted from 1 gram/700 yuan to 1 gram/750 yuan.自2025年3月27日起，黄金账户活期买入及定投起点由1克/700元调整为1克/750元。
2025-04-15China Merchants Bank adjusted retail gold account rules: from April 21, 2025, the minimum subscription amount for gold account current and fixed investment was raised from RMB 750 to RMB 800; service hours extended to 9:10-02:00 the next day.招商银行调整零售黄金账户业务：自2025年4月21日起黄金账户活期及定投按金额认购起点由750元调整为800元；服务时段延长至9:10-次日02:00。
2025-04-30China Merchants Bank raised the minimum subscription amount for gold account current and fixed investment from RMB 800 to RMB 1,000, effective May 8, 2025, citing increased precious metals price volatility.招商银行自2025年5月8日起将黄金账户活期及定投按金额认购起点由800元调整为1000元，称近期贵金属价格波动加剧。
2025-05-02China Merchants Bank raised the minimum subscription amount for gold account spot and DCA from RMB 800 to RMB 1,000, effective May 8, the fourth such increase in 2025.招商银行将黄金账户活期及定投按金额认购起点由800元上调至1000元，自5月8日起生效，为2025年内第四次上调。
2025-07-14Announced that from July 21, 2025, the trading hours for gold account active purchase/redemption will be extended by 2 hours, from the current 9:10-24:00 Beijing time to 9:10-02:00 the next day.公告自2025年7月21日起，黄金账户业务主动购买或赎回的服务时段由交易日北京时间9:10~24:00延长至9:10~次日凌晨2:00，延后2小时闭市。
2026-01-28CMB adjusted retail gold account subscription minimum from 1,200 yuan for current account and fixed investment, effective Feb 2, 2026, citing regulatory requirements and market volatility risk management.招商银行调整零售黄金账户认购起点至1200元（活期及定投），自2026年2月2日起生效，称根据监管规定和市场形势变化加强风险管理。
2026-03-24CMB raised gold account bid-ask spread from 3 yuan/g to 5 yuan/g from March 23, citing market volatility.招商银行自3月23日起将黄金账户业务点差从3元/克上调至5元/克。
Dormant account campaign沉睡账户提醒
1 · 2024-03-21
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CMB launches special campaign to remind customers about personal dormant accounts.招商银行开展个人'沉睡账户'提醒提示专项工作。
2024-03-21Launched a special campaign to remind and notify customers about personal 'dormant accounts', running until October 15, 2024.开展个人“沉睡账户”提醒提示专项工作，时间至2024年10月15日。
Three Rural special financial bonds三农专项金融债券
1 · 2024-03-22
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CMB issues RMB 5 billion in 'Three Rural' special financial bonds on interbank market.招商银行在银行间市场发行50亿元'三农'专项金融债券。
2024-03-22Issued RMB 5 billion in 'Three Rural' special financial bonds on the interbank bond market, with a 3-year term and a coupon rate of 2.35%.在全国银行间债券市场发行50亿元“三农”专项金融债券，3年期固定利率，票面利率2.35%。
Board nominations董事会提名
15 · 2024-03-25 → 2026-06-04
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CMB board nominates new non-executive and executive director candidates.招商银行董事会提名新一届非执行董事和执行董事候选人。
2024-03-25Board of Directors approved the nomination of Shi Dai, Liu Hui, and Zhu Liwei as non-executive director candidates, and Zhong Desheng as an executive director candidate.董事会提名石岱、刘辉、朱立伟为非执行董事候选人，提名钟德胜为执行董事候选人。
2024-05-27CMB's board nominated Li Jinming as a candidate for shareholder supervisor of the 12th Supervisory Committee.招商银行监事会提名李金明为第十二届监事会股东监事候选人。
2024-08-26Shi Dai's non-executive director qualification approved by National Financial Regulatory Administration, effective August 23, 2024.石岱的非执行董事任职资格获国家金融监督管理总局核准，自2024年8月23日起生效。
2024-08-28Board elects Shi Dai as Vice Chairman of the 12th Board of Directors, subject to regulatory approval.董事会选举石岱担任第十二届董事会副董事长，待监管核准。
2024-09-03The National Financial Regulatory Administration (NFRA) approved Shi Dai's qualification as a non-executive director of China Merchants Bank.国家金融监督管理总局核准石岱招商银行股份有限公司董事的任职资格。
2024-11-12The NFRA approved Li Jian as an independent non-executive director of CMB, effective from November 8, 2024, until the end of the 12th board term. Wang Shixiong stepped down due to term expiry.国家金融监督管理总局核准李健担任招商银行独立非执行董事，自2024年11月8日起生效；王仕雄因任职期满离任。
2025-01-14Zhu Liwei's non-executive director appointment approved by the National Financial Regulatory Administration, effective from 2025-01-10.朱立伟非执行董事任职资格获国家金融监督管理总局核准，自2025年1月10日起生效。
2025-03-19Huang Jian's qualification as a non-executive director was approved by the National Financial Regulatory Administration, effective from March 14, 2025.黄坚的非执行董事任职资格获国家金融监督管理总局核准，自2025年3月14日起生效。
2025-05-28China Merchants Bank announced the 13th Board of Directors candidate list: 17 nominees including 3 executive directors (Wang Liang, Zhong Desheng, Wang Xiaoqing), 8 shareholder directors, and 6 independent directors.招商银行公布第十三届董事会候选人名单：共17人，包括3名执行董事（王良、钟德胜、王小青）、8名股东董事和6名独立董事。
2025-10-27Jiang Zhaoyang's qualification as CMB director was approved by the National Financial Regulatory Administration, effective October 24.江朝阳招商银行董事任职资格获国家金融监督管理总局核准，自2025年10月24日起生效。
2025-10-30Deng Renjie's qualification as CMB non-executive director was approved by the National Financial Regulatory Administration (NFRA), effective Oct 30, 2025.邓仁杰担任招商银行非执行董事的任职资格获国家金融监督管理总局核准，自2025年10月30日起生效。
2025-12-30China Merchants Bank announced that NFRA approved the director qualifications of Ma Xianghui (non-executive), Huang Yushan (independent), and Lu Liping (independent), effective December 29 and 30, 2025 respectively. Li Menggang and Liu Qiao resigned upon term expiry.招商银行公告马向辉（非执行董事）、黄玉山（独立董事）、卢力平（独立董事）的董事任职资格获国家金融监督管理总局核准，分别自2025年12月29日、30日起生效；李孟刚、刘俏因任职期满离任。
2026-01-09National Financial Regulatory Administration approved Huang Yushan, Ma Xianghui, and Lu Liping as directors/independent directors of CMB.国家金融监督管理总局核准黄玉山、马向辉、卢力平担任招商银行董事/独立董事的任职资格。
2026-05-28Board nominated four director candidates: Li Yungui and Huo Da as non-executive directors, Wang Xiaoqing as executive director, Zhang Yong as independent director.董事会提名李云贵、霍达为非执行董事，王小青为执行董事，张湧为独立董事候选人。
2026-06-04CMB nominates Huo Da as non-executive director candidate; Huo had previously received a regulatory warning letter, raising governance concerns.招商银行提名霍达为非执行董事候选人；霍达此前曾收到监管警示函，引发治理担忧。
Dubai branch establishment迪拜分行设立
1 · 2024-03-25
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CMB board approves establishment of branch in Dubai International Financial Centre.招商银行董事会批准在迪拜国际金融中心设立分行。
2024-03-25Board approved the establishment of a branch in the Dubai International Financial Centre (DIFC), UAE, with an operating fund of USD 50 million.董事会同意在阿联酋迪拜国际金融中心（DIFC）设立分行，拨付营运资金5000万美元。
U.S. Representative Office dissolution美国代表处解散
1 · 2024-03-25
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CMB board approves dissolution of U.S. Representative Office, responsibilities assumed by New York branch.招商银行董事会批准解散美国代表处，职责由纽约分行承接。
2024-03-25Board approved the dissolution of the U.S. Representative Office, with its responsibilities to be assumed by the New York Branch.董事会同意撤销美国代表处，相应职责由纽约分行承接。
Dividend policy分红政策
13 · 2024-03-27 → 2026-06-02
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CMB raises dividend payout ratio and announces interim dividend plans.招商银行提高分红比例，并宣布中期分红计划。
2024-03-27At the results conference, Chairman Miao Jianmin stated that the dividend payout ratio has been raised and the bank does not plan to lower it in the future.董事长缪建民在业绩会上表示，分红派息率提高了，就没打算再下来。
2024-06-25CMB's 2023 annual general meeting approved the profit distribution plan of 1.972 yuan per share (tax included) in cash dividend.招商银行2023年度股东大会审议通过利润分配方案，每股现金分红1.972元（含税）。
2024-07-03China Merchants Bank announced its 2023 annual A-share dividend implementation plan: a cash dividend of RMB 1.972 per share (tax included), totaling approximately RMB 49.734 billion, with the record date on July 10 and ex-dividend date on July 11, 2024.招商银行公布2023年年度A股分红派息方案：每股派发现金红利人民币1.972元（含税），共计约人民币497.34亿元，股权登记日为2024年7月10日，除权除息日为7月11日。
2024-09-02CMB President Wang Liang stated at the 2024 interim results conference that the bank will evaluate and actively promote an interim dividend plan, taking into account capital adequacy requirements, business development needs, and investor opinions.招商银行行长王良在2024年中期业绩交流会上表示，将评估并积极推进中期分红方案，综合考虑资本充足率要求、业务发展需求和投资者意见。
2025-03-25The board of directors approved the 'Proposal on the 2025 Interim Profit Distribution Plan', planning the first interim dividend with a cash payout ratio of 35% of the semi-annual net profit.董事会审议通过《关于2025年度中期利润分配计划的议案》，拟进行首次中期分红，现金分红比例为35%。
2025-05-30China Merchants Bank announced a final dividend of RMB 2.00 per share for FY2024, subject to shareholder approval at the AGM on June 25, 2025.招商银行宣派2024年末期股息每股2元人民币，待2025年6月25日股东大会批准。
2025-06-26China Merchants Bank announced a final dividend of 2.00 yuan per share (tax included) for the year ended December 31, 2024, payable on July 30, 2025.招商银行公告派发2024年度末期股息每股2.00元（含税），将于2025年7月30日支付。
2025-07-03Announced the 2024 annual A-share cash dividend plan: RMB 2.00 per share (tax included), with a total payout of approximately RMB 50.44 billion. Record date is July 10, 2025; ex-dividend date is July 11, 2025.公告2024年度A股分红派息方案：每股派发现金红利人民币2元（含税），合计派发约504.4亿元。股权登记日为2025年7月10日，除权除息日为7月11日。
2025-09-01CMB announced a mid-term dividend plan with a payout ratio of 35%.招商银行宣布中期分红方案，分红比例为35%。
2025-12-05China Merchants Bank declared a dividend on its domestic preference shares 'Zhaoyin You 1' for the 8th interest year, with a coupon rate of 3.62%, paying 3.62 yuan per share (pre-tax), totaling 995.5 million yuan, payable on December 18, 2025.招商银行宣布境内优先股“招银优1”第八个计息年度股息派发方案，票面股息率3.62%，每股派发现金股息3.62元（含税），合计9.955亿元，股息发放日为2025年12月18日。
2025-12-29China Merchants Bank announced a 2025 interim profit distribution plan: 1.013 yuan per share (pre-tax) cash dividend, total approximately 25.548 billion yuan, with a cash dividend ratio of 35.02%. A-share payment expected around January 16, 2026.招商银行公布2025年半年度利润分配方案：每股派发现金红利1.013元（含税），合计约255.48亿元，现金分红比例35.02%，A股红利发放日预计为2026年1月16日前后。
2026-01-09CMB announced 2025 semi-annual A-share dividend: 1.013 yuan per share (tax incl.), total ~25.548 billion yuan, with A-share portion ~20.897 billion yuan; record date Jan 15, ex-dividend and payment date Jan 16, 2026.招商银行公告2025年半年度A股分红：每股1.013元（含税），合计约255.48亿元，其中A股约208.97亿元；股权登记日2026年1月15日，除权除息日和发放日均为2026年1月16日。
2026-06-02CMB announces final dividend of RMB 1.003 per share for 2025.招商银行公告派发2025年末期股息每股1.003元。
Real estate risk outlook房地产风险展望
2 · 2024-03-27 → 2024-09-02
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CMB vice president predicts decline in new non-performing loans in real estate sector in 2024.招商银行副行长预计2024年房地产行业新生成不良贷款绝对额将下降。
2024-03-27At the results conference, Vice President Zhu Jiangtao predicted that the absolute amount of new non-performing loans in the real estate sector in 2024 would decline compared to 2023.副行长朱江涛在业绩会上预计，2024年房地产业不良生成绝对额将较2023年有所下降。
2024-09-02CMB Vice President Zhong Desheng stated at the 2024 interim results conference that real estate loans in H1 showed characteristics of declining proportion, stable risk, and adequate provisions; the bank is managing risks with differentiated strategies for new and existing projects.招商银行副行长钟德胜在2024年中期业绩交流会上表示，上半年房地产贷款呈现占比降、风险稳、拨备充足的特点；对新增和存量业务采取差异化风险管理策略。
Xinfutong 5.0 digital payroll platform薪福通5.0
2 · 2024-04-01 → 2026-05-27
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CMB Xi'an branch launches 'Salary Benefits 5.0' digital payroll and benefits platform.招商银行西安分行推出'薪福通5.0'数字化薪酬福利平台。
2024-04-01CMB Xi'an branch launched 'Salary Benefits 5.0' (Xinfutong 5.0), a digital payroll and benefits platform, at a promotional event attended by nearly 300 enterprises.招商银行西安分行举办薪福通5.0推介会，近300家中大型企业参与，助力企业数字化转型。
2026-05-27Released new-generation enterprise digital service platform 'Xinfutong 7.0' and AI assistant 'AI Xiaoyun' for business scenario efficiency.发布全新一代企业数智服务平台“薪福通7.0”及业务场景智能助手“AI小云”。
Xinchuang AI computing project信创AI算力项目
6 · 2024-04-08 → 2026-06-12
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CMB selects suppliers for Xinchuang AI computing resources project.招商银行选定信创AI算力项目供应商。
2024-04-08CMB headquarters procurement department announced the result of the '2024 Xinchuang AI Computing Resources Project', selecting Sichuan Huakun Zhenyu and Henan Kunlun Technology as suppliers for inference servers.招商银行总行采购管理部发布2024年信创AI算力资源项目采购结果，推理服务器标段由四川华鲲振宇和河南昆仑技术中标。
2025-01-21Issued procurement results for the 2024 GCH heterogeneous AI chip resource project: Musi server segment won by Inspur Computer; Ascend server segment won by Baode, Huawei, and Sichuan Huakun Zhenyu.发布2024年GCH异构AI芯片资源项目采购结果：沐曦服务器标段中选供应商为浪潮计算机；昇腾服务器标段响应供应商包括宝德、华为、四川华鲲振宇。
2025-03-26Kunlun Core server won the bid for CMB's AI chip resource project; the Kunlun Core P800 will support the bank's large model applications.昆仑芯服务器中标招商银行AI芯片资源项目，昆仑芯P800将支持该行大模型应用。
2025-06-11China Merchants Bank announced the procurement results for its 2025 IT application innovation (Xinchuang) server project (Kunpeng server segment), selecting Henan Kunlun Technology Co., Ltd. and Baode Computer System Co., Ltd. as winning suppliers.招商银行发布2025年度信创改造服务器项目（鲲鹏服务器标段）采购结果公告，中选供应商为河南昆仑技术有限公司和宝德计算机系统股份有限公司。
2025-11-06CMB awarded its first quantum computing procurement project 'Tianheng AI' to Beijing Bose Quantum Technology, based on a 1,000-qubit coherent photonic quantum computer.招商银行首个量子计算采购项目“天秤AI”中标花落北京玻色量子，基于1000量子比特相干光量子计算机。
2026-06-12CMB selects ZTE and Inspur as winners for its 2026 second batch general server procurement (Haiguang server segment); Baixin Information wins the Kunpeng Haiguang server segment.CMB selects ZTE and Inspur as winners for its 2026 second batch general server procurement (Haiguang server segment); Baixin Information wins the Kunpeng Haiguang server segment.
Large-denomination CD suspension大额存单停发
2 · 2024-04-09 → 2026-01-05
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CMB stops issuing new 3-year and 5-year large-denomination certificates of deposit.招商银行停发3年期和5年期大额存单。
2024-04-09CMB stopped issuing new 3-year and 5-year large-denomination certificates of deposit (CDs) to manage net interest margin, with only 2-year CDs at 2.15% available.招商银行停发三年期、五年期大额存单，仅售两年期利率2.15%产品，以管理净息差。
2026-01-05CMB removed 3-year and 5-year large-denomination certificates of deposit from its app; longest tenor now 2 years at 1.40% rate, reflecting net interest margin pressure (1.87% in Q3 2025, down 12 bps YoY).招商银行APP下架3年期和5年期大额存单，最长在售期限为2年期利率1.40%，反映净息差压力（2025年三季度净息差1.87%，同比下降12个基点）。
Credit card auto installment revision信用卡汽车分期调整
1 · 2024-04-09
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CMB credit card center revises auto installment repayment model from equal principal and interest to equal principal.招商银行信用卡中心调整汽车分期还款方式，从等额本息改为等额本金。
2024-04-09CMB credit card center revised its auto installment repayment model from equal principal and interest to equal principal, aligning with national trade-in policies, but did not adjust down payment ratios.招商银行信用卡中心调整购车分期还款模式为等额本息，响应以旧换新政策，但未调整首付比例。
One-Click Financing一键融资
1 · 2024-04-11
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CMB launches 'One-Click Financing' feature on corporate banking app for quick loan applications.招商银行在企业App上线'一键融资'功能，企业可快速申请贷款。
2024-04-11CMB launched a 'One-Click Financing' feature on its corporate banking app and WeChat mini-program, enabling enterprises to apply for multiple loan products (e.g., Zhao Jie Dai, Zhao Qi Dai) with approval in 5 minutes.招商银行在企业银行App和微信小程序上线“一键融资”功能，企业可同时申请招捷贷、招企贷等，5分钟出审批结果。
Nanjing Zhaobank Youxing Leasing南京招银有信租赁
1 · 2024-04-12
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CMB establishes wholly-owned subsidiary Nanjing Zhaobank Youxing Leasing Co., Ltd.招商银行设立全资子公司南京招银有信租赁有限公司。
2024-04-12CMB established Nanjing Zhaobank Youxing Leasing Co., Ltd., a wholly-owned subsidiary through indirect shareholding, with registered capital of 100,000 yuan, engaging in financial leasing.招商银行间接全资持股成立南京招银悠行融资租赁有限公司，注册资本10万元，经营融资租赁业务。
Rating upgrade评级上调
1 · 2024-04-29
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S&P Global Ratings upgrades CMB's long-term credit rating from BBB+ to A-.标普全球评级将招商银行长期信用评级从BBB+上调至A-。
2024-04-29S&P Global Ratings upgraded CMB's long-term credit rating from BBB+ to A-, and its stand-alone credit profile to bbb+, aligning with major state-owned banks.标普将招商银行主体评级从BBB+上调至A-，个体生存力评级上调至bbb+，与国有大行同级。
Shanghai Zhaodong Information Technology dissolution上海招东信息科技解散
1 · 2024-04-29
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CMB's joint venture with JD.com, Shanghai Zhaodong Information Technology, dissolved and deregistered.招商银行与京东的合资公司上海招东信息科技解散注销。
2024-04-29CMB's joint venture with JD.com, Shanghai Zhaodong Information Technology Co., Ltd. (formerly the preparatory entity for Zhaoshang Topology Bank), was dissolved and deregistered.招商银行与京东合资的上海招东信息科技有限公司（原招商拓扑银行筹备主体）注销。
Multi-functional free trade accounts多功能自由贸易账户
1 · 2024-05-06
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CMB opens multi-functional free trade accounts for offshore and Hengqin institutions.招商银行为多家境外和横琴机构开立多功能自由贸易账户。
2024-05-06China Merchants Bank (CMB) successfully opened multi-functional free trade accounts for multiple offshore and Hengqin institutions on the first day of the new policy, handling fund transfers and foreign exchange transactions.招商银行在新政实施首日成功为多家境外和横琴机构开立多功能自由贸易账户，办理资金划转和外汇交易。
Science and Technology Finance Festival科技金融节
1 · 2024-05-10
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CMB Dongguan branch holds first 'Science and Technology Finance Festival' for tech enterprises.招商银行东莞分行举办首届'科技金融节'，服务科技企业。
2024-05-10CMB Dongguan Branch held its first 'Science and Technology Finance Festival', attracting over 150 tech enterprises, aligning with Dongguan's 'tech innovation + advanced manufacturing' strategy.招商银行东莞分行举办首届“科技金融节”，吸引150多家科技企业参加，聚焦东莞“科技创新+先进制造”战略。
Intelligent notice deposit termination智能通知存款停办
1 · 2024-05-14
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CMB terminates intelligent notice deposit business service due to policy changes.招商银行因政策调整终止智能通知存款业务。
2024-05-14CMB announced it will terminate its intelligent notice deposit business service from May 15, 2024, due to policy changes.招商银行公告自2024年5月15日起停止智能通知存款业务服务。
Charitable trust and elderly-care trust慈善信托与养老信托
1 · 2024-05-16
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China Resources Trust and CMB Beijing Branch sign first charitable trust and elderly-care trust.华润信托与招商银行北京分行签约首单慈善信托和养老信托。
2024-05-16China Resources Trust and CMB Beijing Branch signed their first charitable trust and elderly-care trust, marking cooperation in charity and pension finance.华润信托与招商银行北京分行落地首单慈善信托和养老信托，深化公益慈善和养老金融合作。
Shenzhen Qianhai Youxing Leasing深圳前海有信租赁
1 · 2024-05-17
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CMB establishes wholly-owned subsidiary Shenzhen Qianhai Youxing Leasing Co., Ltd.招商银行设立全资子公司深圳前海有信租赁有限公司。
2024-05-17Shenzhen Qianhai Youxing Leasing Co., Ltd. was established, wholly owned indirectly by CMB, with registered capital of 100,000 yuan, engaging in financial leasing in bonded areas.深圳前海悠行租赁有限公司成立，由招商银行间接全资持股，注册资本10万元，从事保税区融资租赁业务。
Branch & subsidiary operations分支行与子公司运营
11 · 2024-05-18 → 2026-06-17
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Branch closures, upgrades, relocations, and subsidiary capital increases or regulatory actions.分支行关闭、升级、迁址及子公司增资或监管行动。
2024-05-18CMB Yinchuan Yuehai Small and Micro Sub-branch was approved to terminate its business, with operations to be merged into CMB's business department.招商银行银川阅海小微支行获批终止营业，业务并入招商银行营业部。
2024-11-04CMB's wholly-owned subsidiary, CMB Financial Leasing, increased its registered capital by 50% from 12 billion yuan to 18 billion yuan.招商银行全资子公司招银金融租赁有限公司注册资本由120亿元增至180亿元，增幅50%。
2024-11-25The Jiangxi regulatory bureau of NFRA approved the closure of CMB Nanchang Hengmao Dream Times Square Small & Micro Sub-branch.国家金融监督管理总局江西监管局批复同意招商银行南昌恒茂梦时代广场小微支行终止营业。
2024-12-05Liaoning NFRA approved the closure of CMB Shenyang Hunnan East Road Community Sub-branch.辽宁金融监管局批复同意招商银行沈阳浑南东路社区支行终止营业。
2024-12-26Zhejiang NFRA approved the upgrade of CMB Quzhou Jiangshan Small & Micro Enterprise Exclusive Sub-branch to CMB Quzhou Jiangshan Sub-branch.浙江监管局批复同意招商银行衢州江山小微企业专营支行升格为招商银行衢州江山支行。
2025-02-26Regulator approved closure of China Merchants Bank Shenyang Zhongyang Street small-micro sub-branch.监管同意招商银行沈阳中央大街小微支行终止营业。
2025-06-12CMB Financial Leasing, a wholly-owned subsidiary of China Merchants Bank, was fined 800,000 yuan by the Shanghai Financial Regulatory Bureau for using public welfare assets as lease assets, conducting illegal sale-and-leaseback of construction-in-progress, and illegally adding non-equipment sale-and-leaseback business.招银金融租赁有限公司因违规以公益性资产作为租赁物、违规开展在建工程售后回租业务、违规新增非设备类售后回租业务，被上海金融监管局罚款80万元。
2025-07-05Li Yunbo was approved by the Shanghai NFRA as a director of CMB Financial Leasing Co., Ltd., a wholly-owned subsidiary of CMB with registered capital of RMB 12 billion.李云波获上海金融监管局核准担任招银金融租赁有限公司董事，该公司为招商银行全资子公司，注册资本120亿元。
2025-08-01China Merchants Bank Hohhot Juhaicheng sub-branch relocated and opened, becoming the first prefabricated low-carbon smart branch in Hohhot.招商银行呼和浩特巨海城支行乔迁开业，成为呼和浩特首家装配式低碳智慧网点。
2026-05-09Hangzhou regulatory bureau approved the closure of CMB Hangzhou Baisuiji community sub-branch.浙江监管局批复同意招商银行杭州百尺溇社区支行终止营业。
2026-06-17CMB's subsidiary CMB Aviation Shipping Financial Leasing Co. establishes Xiamen Dinghao Leasing Co., Ltd. with registered capital of RMB 100,000.招商银行旗下招银航空航运金融租赁有限公司全资设立厦门鼎浩租赁有限公司，注册资本10万元。
Inclusive Finance Service Development Report普惠金融服务发展报告
1 · 2024-05-19
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CMB co-hosts forum and releases 'Inclusive Finance Service Development Report'.招商银行联合举办论坛并发布《普惠金融服务发展报告》。
2024-05-19CMB co-hosted a forum on 'Inclusive Finance in Structural Transformation' with Renmin University's China Inclusive Finance Research Institute and released the 'Inclusive Finance Service Development Report'.招商银行联合中国人民大学中国普惠金融研究院举办“结构转型中的普惠金融”论坛，发布《普惠金融服务发展报告》。
Ultra-long-term special government bond sales超长期特别国债销售
2 · 2024-05-20 → 2024-05-27
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CMB sells ultra-long-term special government bonds to retail clients.招商银行向零售客户销售超长期特别国债。
2024-05-20CMB began selling the first batch of 30-year ultra-long-term special government bonds (24 Special Government Bond 01, coupon 2.57%) to retail clients, with a total quota of 500 million yuan, sold on May 20 only.招商银行向个人客户开售首批30年期超长期特别国债（24特别国债01，票面利率2.57%），总额度5亿元，仅5月20日销售。
2024-05-27CMB sold the second batch of 20-year ultra-long-term special government bonds (24 Special Government Bond 02, coupon 2.49%) to retail clients; 550 million yuan quota sold out within 2 minutes.招商银行向个人客户销售第二期20年期超长期特别国债（24特别国债02，票面利率2.49%），5.5亿元额度2分钟内售罄。
Vanke syndicated loan万科银团贷款
4 · 2024-05-23 → 2024-07-15
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CMB leads RMB 20 billion syndicated loan for Vanke, secured by logistics unit equity.招商银行牵头为万科提供200亿元银团贷款，以物流板块股权质押。
2024-05-23CMB led a 20 billion yuan syndicated loan for Vanke, secured by Vanke's logistics unit Wanwei Logistics equity; 10 billion yuan has been disbursed.招商银行牵头为万科提供200亿元银团贷款，抵押物为万纬物流股权，已到账100亿元。
2024-06-05CMB led a banking syndicate to sign a 20 billion yuan loan agreement with Vanke, with 10 billion yuan already disbursed.招商银行牵头银团与万科签订200亿元放贷协议，已发放100亿元。
2024-06-20Vanke's subsidiary Chongqing Yunke applied for a 263 million yuan loan from CMB with a 4-year term, secured by equity pledges from Chongqing Vanke and Chongqing Kepan.万科子公司重庆云科向招商银行申请贷款2.63亿元，期限4年，由重庆万科和重庆科畔股权质押。
2024-07-15China Merchants Bank led a RMB 20 billion syndicated loan for Vanke, one of the largest single real estate loans in recent years, as disclosed by Vanke in an investor relations record.招商银行牵头为万科提供200亿元银团贷款，为近年来房地产单笔金额较大的一笔贷款。
Regulatory approvals & compliance监管批准与合规
6 · 2024-05-27 → 2026-01-26
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Regulatory approvals for appointments, business qualifications, and compliance with financial regulations.对任命、业务资格及金融监管合规的批准。
2024-05-27CMB's board approved appointing Ernst & Young (EY) as the 2024 auditor, replacing Deloitte (8-year term ended) and voiding the previous plan to appoint PwC.招商银行董事会审议通过聘任安永为2024年度审计机构，替代德勤（连续8年服务到期），此前拟聘普华永道的决议废止。
2025-01-22Approved by the State Administration of Foreign Exchange to apply the 'Bank Foreign Exchange Business Exhibition Management Measures (Trial)' model for foreign exchange business.获国家外汇管理局同意适用《银行外汇展业管理办法（试行）》模式开展外汇业务。
2025-07-03Received regulatory approval from the National Financial Regulatory Administration (NFRA) to establish Zhaoyin Financial Asset Investment Co., Ltd., a wholly-owned subsidiary with registered capital of RMB 15 billion, to conduct market-oriented debt-to-equity swaps and equity investment pilot businesses.获国家金融监督管理总局批准筹建招银金融资产投资有限公司，全资子公司，注册资本150亿元，开展市场化债转股及股权投资试点业务。
2025-11-21CMB's wholly-owned subsidiary Zhaoyin Financial Asset Investment Co., Ltd. (AIC) received NFRA approval to commence operations, with registered capital of 15 billion yuan in Shenzhen, focusing on market-based debt-for-equity swaps and equity investment pilot.招商银行全资子公司招银金融资产投资有限公司获国家金融监管总局批准开业，注册资本150亿元（深圳），主营市场化债转股及股权投资试点。
2025-12-19China Merchants Bank's revised Articles of Association were approved by the National Financial Regulatory Administration, effective December 18, 2025. The bank will no longer have a board of supervisors; its audit committee will assume the original supervisory functions.招商银行公司章程修订获国家金融监督管理总局核准，自2025年12月18日起不再设置监事会，由董事会审计委员会承接原监事会职权。
2026-01-26CMB Guangzhou branch obtained Free Trade Account (FT account) business qualification approved by the People's Bank of China, enhancing cross-border financial service capabilities for the Guangdong-Hong Kong-Macao Greater Bay Area.招商银行广州分行经中国人民银行批准获得自由贸易账户（FT账户）业务资格，提升粤港澳大湾区跨境金融服务能力。
CMB Financial Leasing C919 delivery招银租赁C919交付
1 · 2024-05-28
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CMB Financial Leasing delivers industry's first financial-leased C919 aircraft to China Eastern Airlines.招银租赁向东方航空交付行业首架融资租赁C919飞机。
2024-05-28CMB's wholly-owned subsidiary CMB Financial Leasing delivered the industry's first financial-leased C919 aircraft to China Eastern Airlines.招商银行全资子公司招银金租向中国东航交付行业首架金融租赁C919飞机。
Blue Ray default蓝光发展违约
3 · 2024-05-31 → 2026-05-22
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CMB announces Sichuan Blue Ray Development failed to repay principal and interest on medium-term notes.招商银行公告四川蓝光发展未能按期足额兑付中期票据本息。
2024-05-31CMB announced that Sichuan Blue Ray Development Co. failed to repay principal and interest on its medium-term notes '20 Blue Ray MTN002' (1.058 billion yuan outstanding) and '20 Blue Ray MTN003' (1.58 billion yuan outstanding).招商银行公告四川蓝光发展未能按期足额偿付“20蓝光MTN002”（未偿付10.58亿元）和“20蓝光MTN003”（未偿付15.8亿元）本息。
2024-08-28As depository institution, issues progress report on defaulted 2021 first-phase medium-term notes of Yango Group Co., Ltd., urging repayment plan.作为存续期管理机构，发布阳光城集团2021年度第一期中期票据未按期足额偿付的处置进展公告。
2026-05-22As bond trustee, CMB convened first holder meeting for Sichuan Blue Ray's 2020 MTN (20 Lan Guang MTN002) due to breach of financial covenant (liability ratio >80%).作为召集人，因四川蓝光发展2020年度第二期中期票据触发财务指标承诺（资产负债率超80%），召开持有人会议。
Trade forex policy implementation贸易外汇政策落地
1 · 2024-06-01
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CMB handles enterprise名录 registration under new SAFE trade forex policy on first day.招商银行在新贸易外汇政策实施首日办理企业名录登记。
2024-06-01China Merchants Bank (CMB) responded to the new SAFE policy on trade forex, handling enterprise名录 registration via online and offline channels nationwide on the first day of implementation.招商银行响应国家外汇管理局贸易外汇新政，在全国范围内通过线上线下双渠道办理企业名录登记业务。
Strategic cooperation MoUs战略合作备忘录
11 · 2024-06-06 → 2026-06-11
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Signing of strategic cooperation agreements with government entities, state-owned enterprises, and large corporations.与政府机构、国有企业及大型企业签署战略合作协议。
2024-06-06CMB Xining branch signed a strategic cooperation agreement with Qinghai Provincial Federation of Industry and Commerce to support private enterprises in tech innovation, supply chain, and green development.招商银行西宁分行与青海省工商联签署战略合作协议，支持民营企业科技创新、产业链发展和绿色转型。
2024-11-05CMB Shanghai Branch signed a strategic cooperation agreement with Shanghai Chengtou Group, with a total strategic credit line of 38 billion yuan covering areas such as comprehensive credit, cash management, international business, and investment banking.招商银行上海分行与上海城投集团签署银企战略合作协议，本轮战略授信总规模达380亿元，涵盖综合授信、现金管理、国际业务、投行等领域。
2025-02-14China Merchants Bank president Wang Liang met with State Tobacco Monopoly Bureau deputy director Han Zhanwu to discuss deepening cooperation.招商银行行长王良会见国家烟草专卖局副局长韩占武，双方就深化合作交换意见。
2025-03-04Signed a railway logistics financial service cooperation agreement with China State Railway Group, becoming one of 10 cooperative banks offering products like 'railway freight loans'.与国铁集团签署铁路物流金融服务合作协议，成为提供“铁路运费贷”等产品的10家合作银行之一。
2025-03-17Signed a strategic cooperation agreement with Beijing State-owned Capital Operation and Management Co., jointly launching the 'Jingchuang Zhaojin Dai' loan product for eight municipal government investment funds.与北京国有资本运营管理有限公司签署战略合作协议，共同发布“京创招金贷”贷款产品。
2025-08-22Weiqiao Pioneering Group and China Merchants Bank signed a strategic cooperation agreement in Zouping.魏桥创业集团与招商银行在邹平举行战略合作签约仪式。
2025-11-19CMB signed a strategic cooperation agreement with Hainan Development Holdings in Shenzhen, covering comprehensive credit, settlement, retail, and tech finance.招商银行与海南省发展控股有限公司在深圳签署战略合作协议，涉及综合授信、交易结算、零售及科技金融等领域。
2025-12-12China Merchants Bank signed a strategic cooperation agreement with China Chengtong in Beijing, covering comprehensive credit, bond underwriting, wealth management, custody, treasury construction, and digital services.招商银行与中国诚通在北京签署战略合作协议，合作涵盖综合授信、债券承销、财富管理、托管、司库建设及数智化服务等领域。
2026-01-20CMB signed a strategic cooperation agreement with Volcano Engine (ByteDance's cloud and AI platform) to collaborate on frontier technologies and accelerate intelligent transformation of financial services.招商银行与火山引擎签署战略合作协议，围绕前沿技术开展深度合作，加速金融服务智能化转型与业务创新。
2026-04-09CMB headquarters, CMB Financial Leasing and CMB Foshan branch visited Midea Group headquarters; reached deep cooperation intentions in new energy, KUKA robotics automation, medical, home appliances, and building computing power centers.招商银行总行、招银金租及佛山分行到访美的集团总部，就新能源、KUKA机器人自动化、医疗、家电、楼宇算力中心等领域达成深度合作意向。
2026-06-11CMB holds working meeting with China National Tobacco Corporation and China Tobacco总公司 to discuss deepening cooperation.招商银行与国家烟草专卖局、中国烟草总公司举行工作会谈，讨论深化合作。
M+ membership system updateM+会员体系更新
1 · 2024-06-11
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CMB updates M+ membership system rules with new wealth value calculation.招商银行更新M+会员体系规则，调整财富值计算方式。
2024-06-11CMB updated its M+ membership system rules, effective June 25, 2024, with new wealth value calculation and tier protection period.招商银行更新M+会员体系规则，自2024年6月25日起生效，调整财富值核算与等级保护期。
CMB Life app service adjustment掌上生活App服务调整
1 · 2024-06-14
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CMB Life app stops supporting non-CMB credit card repayment and reminder services.掌上生活App停止支持非招行信用卡还款和提醒服务。
2024-06-14CMB announced that its CMB Life app will stop supporting non-CMB credit card repayment and reminder services from July 30, 2024.招商银行公告自2024年7月30日起，掌上生活App将不再提供非招商银行信用卡还款及提醒服务。
Technical Transformation Special Loan技改专项贷
1 · 2024-06-17
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CMB Chongqing branch selected as one of first five cooperative banks for Chongqing's 'Technical Transformation Special Loan' policy.招商银行重庆分行入选重庆市'技改专项贷'首批五家合作银行。
2024-06-17CMB Chongqing branch was selected as one of the first five cooperative financial institutions for Chongqing's 'Technical Transformation Special Loan' policy, the only joint-stock bank.招行重庆分行入选重庆市“技改专项贷”首批5家合作金融机构，为唯一股份制商业银行。
Xiangyuan Culture & Tourism cooperation祥源文旅合作
1 · 2024-06-19
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CMB Hangzhou branch holds strategic talks with Xiangyuan Culture & Tourism.招商银行杭州分行与祥源文旅进行战略洽谈。
2024-06-19CMB Hangzhou branch held strategic talks with Xiangyuan Culture & Tourism (600576) to explore innovative cooperation in cultural tourism and travel business.招商银行杭州分行与祥源文旅（600576）就文旅创新及旅行业务合作新模式进行战略洽谈。
Award recognition奖项荣誉
2 · 2024-06-21 → 2024-06-25
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CMB wins liquidity risk management and retirement financial services awards from The Asian Banker.招商银行荣获《亚洲银行家》流动性风险管理奖和养老金融服务奖。
2024-06-21CMB won the 'China Liquidity Risk Management Achievement Award' from The Asian Banker for the third time since 2019.招商银行第三次荣获《亚洲银行家》“中国流动性风险管理成就奖”。
2024-06-25CMB won the 'Best Retirement/Pension Financial Services in China' award from The Asian Banker for the second consecutive year.招商银行蝉联《亚洲银行家》“中国最佳退休/养老金融服务”奖项。
Performance guidance业绩展望
4 · 2024-06-25 → 2026-03-30
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CMB president states revenue and profit growth face 'dual pressure' in 2024.招商银行行长表示2024年营收和利润增长面临'双重压力'。
2024-06-25At the 2023 annual general meeting, CMB President Wang Liang stated that revenue and profit growth will continue to face 'dual pressure' in 2024, with Q1 revenue down 4.65% YoY and net profit down 1.96% YoY.招商银行2023年度股东大会上，行长王良表示2024年营收和利润增长将继续“双重承压”，一季度营收同比下降4.65%，净利润同比下降1.96%。
2024-11-01CMB management guided that net interest margin (NIM) will continue to face pressure in 2025, but the decline will be smaller than in 2024. Loan growth in 2025 is expected to be better than in 2024, in line with the overall market trend.招商银行管理层预计2025年净息差持续承压但降幅好于2024年，贷款增速将好于2024年，与整体市场趋势一致。
2026-03-30CMB 2025 results conference: President Wang Liang said ROE will continue to decline, with 10% as the bottom line; retail business faces challenges, will pursue balanced development across four segments.招商银行2025业绩会：行长王良称ROE将继续下行，以10%为底线；零售业务面临挑战，将实施四大板块均衡发展。
2026-03-30CMB 2025 results conference: VP Peng Jiawen said NIM will continue to narrow in 2026 but at a slower pace; targets to stabilize NIM in H2 and maintain industry-leading level.招商银行2025业绩会：副行长彭家文称2026年净息差仍将收窄但幅度减小，目标下半年企稳并保持领先。
Hong Kong segment target香港板块目标
1 · 2024-06-25
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CMB targets future net profit of over 10 billion HKD for Hong Kong segment.招商银行目标香港板块未来净利润超100亿港元。
2024-06-25CMB President Wang Liang disclosed at the AGM that the Hong Kong segment (CMB Wing Lung Bank, CMB HK branch, CMB International) targets future net profit of over 10 billion HKD, with 2023 combined net profit of about 5.2 billion HKD.招商银行行长王良在股东大会上透露，香港板块（招商永隆银行、招行香港分行、招银国际）未来净利润目标过百亿港元，2023年合计净利润约52亿港元。
USD MTN programme美元中期票据计划
2 · 2024-07-02 → 2026-04-02
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CMB announces offering circular for USD 5 billion medium-term note programme by Hong Kong branch.招商银行公告香港分行50亿美元中期票据计划发售通函。
2024-07-02China Merchants Bank announced the publication of an offering circular for its USD 5 billion medium-term note program established by its Hong Kong branch on May 28, 2014. Notes to be issued are for professional investors only and listed on the Hong Kong Stock Exchange.招商银行公告其香港分行于2014年5月28日设立的50亿美元中期票据计划的发售通函已发布，拟发行票据仅供专业投资者购买，并在香港联交所上市。
2026-04-02CMB applied to HKSE for listing of its USD 5 billion medium-term note programme, effective from 8 April 2026 for 12 months, issuance only to professional investors.招商银行向港交所申请50亿美元中期票据计划上市，自2026年4月8日起12个月内有效，仅面向专业投资者发行。
New York branch social bond纽约分行社会债券
2 · 2024-07-08 → 2024-07-09
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CMB New York branch issues USD 300 million 3-year social notes under MTN programme.招商银行纽约分行发行3亿美元3年期社会债券。
2024-07-08China Merchants Bank New York branch plans to issue a 3-year, USD-denominated senior unsecured 'SME support theme' social bond, with an initial size of up to USD 300 million and initial guidance at SOFR+105bps, under its USD 5 billion MTN program.招商银行纽约分行拟发行3年期、美元计价、高级无抵押“中小企业支持主题”社会票据，发行规模上限3亿美元，初始指导价SOFR+105bps，归属于50亿美元中期票据计划。
2024-07-09China Merchants Bank New York branch issued USD 300 million in 3-year social notes under its MTN program, with a coupon rate of SOFR+54bps.招商银行纽约分行发行3亿美元3年期社会票据，息票率为SOFR+54bps。
Digital Finance Training Camp AI Camp数字金融训练营AI营
2 · 2024-07-08 → 2024-08-05
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CMB holds 8th Digital Finance Training Camp with industry-first 'AI Camp'.招商银行举办第八届数字金融训练营，首创'AI营'。
2024-07-08China Merchants Bank held the 8th Digital Finance Training Camp, pioneering an 'AI Camp' to define 'AI+Finance' talent selection standards, deploying a thousand-GPU cluster and introducing a hundred-billion-parameter large model for proprietary scenarios.招商银行举办第8季数字金融训练营，首创“AI营”，定义“AI+金融”人才选育标准，部署千卡集群，引入千亿参数大模型并在专业场景自研百亿参数大模型。
2024-08-05Launches 8th Digital Finance Training Camp, industry-first 'AI Camp' to define 'AI+Finance' talent standards, with 32P computing cloud platform for model training.举办第8季数字金融训练营，首创“AI营”，定义“AI+金融”人才标准，提供32P算力云平台。
Sydney branch floating-rate notes悉尼分行浮息票据
1 · 2024-07-10
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CMB Sydney branch issues USD 400 million floating-rate notes due 2027.招商银行悉尼分行发行4亿美元2027年到期浮息票据。
2024-07-10China Merchants Bank Sydney branch issued USD 400 million in floating-rate notes due 2027 under its USD 5 billion MTN program, listed on the Hong Kong Stock Exchange effective July 11, 2024.招商银行悉尼分行在50亿美元中期票据计划下发行4亿美元2027年到期的浮息票据，于2024年7月11日在港交所生效。
Wealth management fee reduction财富管理费率下调
3 · 2024-07-18 → 2024-09-02
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CMB implements 90% discount on front-end purchase fees for all retail mutual fund subscriptions.招商银行对零售公募基金申购费实施一折优惠。
2024-07-18At the '2024 Wealth Partner Forum', China Merchants Bank announced it will fully implement a 90% discount (1 zhe) on front-end purchase fees for all retail mutual fund subscriptions across all channels and fund categories.在“2024财富合作伙伴论坛”上，招商银行宣布将全面实施零售代销公募基金买入费率一折起，覆盖线上线下全渠道、全品类基金及认申购费率。
2024-08-09Announces full implementation of 10% discount (one-tenth) on front-end subscription fees for publicly offered mutual funds.宣布全面推行代销公募基金买入费率一折起优惠政策。
2024-09-02CMB Vice President Wang Ying stated at the 2024 interim results conference that the bank implemented a full 1% discount on front-end subscription fees for retail mutual fund sales in July; the impact on fee income is within acceptable and digestible range.招商银行副行长王颖在2024年中期业绩交流会上表示，7月起实施零售代销公募基金买入费率全面一折起，对中收的影响在可承受、可消化范围内。
Retail wealth management AUM milestone零售财富管理AUM里程碑
4 · 2024-07-18 → 2025-09-01
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CMB retail wealth management AUM exceeds RMB 14 trillion and later 16 trillion.招商银行零售财富管理AUM突破14万亿元，后突破16万亿元。
2024-07-18At the '2024 Wealth Partner Forum', China Merchants Bank disclosed that its retail wealth management AUM exceeded RMB 14 trillion, and retail wealth management product distribution scale surpassed RMB 3.8 trillion.在“2024财富合作伙伴论坛”上，招商银行披露零售管理客户总资产突破14万亿元，零售代销理财规模突破3.8万亿元。
2025-08-07At the 2025 Wealth Partners Forum, CMB announced retail AUM exceeded 16 trillion yuan, becoming the first joint-stock bank to reach this milestone.在2025财富合作伙伴论坛上，招商银行宣布零售AUM突破16万亿元，成为首家达成此里程碑的股份制商业银行。
2025-08-29CMB 2025 interim report: retail AUM exceeded 16 trillion yuan, up 7.4% from year-end; retail customer deposits exceeded 4 trillion yuan.招商银行2025年中报：零售AUM突破16万亿元，较年初增长7.4%；零售客户存款超4万亿元。
2025-09-01CMB's retail customers reached 216 million, up 2.86% from end-2024; Gold Sunflower customers 5.6323 million, up 7.57%; private banking customers 182,740, up 8.07%.招商银行零售客户达2.16亿户，较上年末增长2.86%；金葵花及以上客户563.23万户，增长7.57%；私行客户18.274万户，增长8.07%。
Deposit rate adjustment存款利率调整
3 · 2024-07-25 → 2025-05-20
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CMB adjusts deposit rates multiple times, cutting demand and time deposit rates.招商银行多次调整存款利率，下调活期和定期存款利率。
2024-07-25China Merchants Bank announced it will adjust deposit rates effective July 26, 2024: demand deposit rate cut by 5bps to 0.15%; 1-year and below time deposit rates cut by 10bps; 2-year, 3-year, and 5-year time deposit rates cut by 20bps.招商银行宣布自2024年7月26日起调整存款利率：活期下调5个基点至0.15%；1年期及以下整存整取下调10个基点；2年、3年、5年期下调20个基点。
2024-10-18CMB lowers RMB deposit rates: demand to 0.1%, 3-month to 0.80%, 1-year to 1.10%, 3-year to 1.50%, 5-year to 1.55%.招商银行下调人民币存款利率：活期至0.1%，三个月至0.80%，一年期至1.10%，三年期至1.50%，五年期至1.55%。
2025-05-20China Merchants Bank lowered RMB deposit rates: demand rate cut 5bp to 0.05%; 3Y/5Y time deposit rates cut 25bp to 1.25%/1.30%; other tenors cut 15bp.招商银行下调人民币存款利率：活期下调5个基点至0.05%；三年期和五年期整存整取下调25个基点至1.25%和1.30%；其余期限下调15个基点。
Digital Finance Judicial Blockchain Fusion Platform数字金融司法区块链融合平台
1 · 2024-07-29
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CMB's blockchain project wins first prize contribution award.招商银行区块链项目荣获一等奖贡献奖。
2024-07-29China Merchants Bank's blockchain project 'Digital Finance Judicial Blockchain Fusion Platform' won the '2022 First Prize Contribution Award'.招商银行区块链项目“数字金融司法区块链融合平台”荣获“2022年度贡献奖一等奖”。
Mastercard dual-application credit card万事达一芯双应用信用卡
1 · 2024-07-30
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CMB launches new 'one-chip dual-application' standard credit card with Mastercard.招商银行推出万事达'一芯双应用'标准信用卡。
2024-07-30China Merchants Bank, as one of the first issuing banks after Mastercard NetsUnion obtained the bank card clearing business license, launched a new 'one-chip dual-application' standard credit card.招商银行作为万事网联获得银行卡清算业务许可证后的首批发卡银行之一，推出全新的“一芯双应用”万事达标准信用卡。
AI digital human anti-fraud livestreamAI数字人反诈直播
1 · 2024-08-05
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CMB Credit Card Center hosts 'AI digital human' anti-fraud livestream with Shanghai Anti-Fraud Center.招商银行信用卡中心与上海市反诈中心举办'AI数字人'反诈直播。
2024-08-05Credit Card Center jointly hosts 'AI digital human' anti-fraud livestream with Shanghai Anti-Fraud Center, promoting seven anti-fraud tools.信用卡中心与上海反诈中心联合举办“AI数字人”反诈直播，推广七大反诈利器。
Jiangsu Runyang New Energy cooperation江苏润阳新能源合作
1 · 2024-08-06
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CMB signs strategic cooperation agreement with Jiangsu Runyang New Energy for solar PV industry.招商银行与江苏润阳新能源签署战略合作协议，支持光伏产业。
2024-08-06Signs strategic cooperation agreement with Jiangsu Runyang New Energy Technology Co., Ltd. to deepen credit, cross-border fund pool, and syndicated loan support for solar PV industry.与江苏润阳新能源科技股份有限公司签署战略合作协议，深化授信、跨境资金池及银团贷款支持光伏产业。
Fee schedule optimization收费价目优化
1 · 2024-08-06
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CMB optimizes fee schedule, removing separate listing of bank draft and promissory note cash-handling fees.招商银行优化服务收费价目表，取消银行汇票和本票现金处理费单独列示。
2024-08-06Optimizes fee schedule: removes separate listing of bank draft and promissory note cash-handling fees (already suspended since 2017, cancelled since 2021), effective August 3, 2024.优化服务价格目录：不再单独列示银行汇票、本票兑付现金手续费（2017年起暂停，2021年取消），自2024年8月3日起生效。
Legal dispute enforcement法律纠纷执行
1 · 2024-08-08
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CMB listed as enforcement target by Shenzhen court with execution标的 of RMB 0.招商银行被深圳法院列为被执行人，执行标的0元。
2024-08-08Listed as an enforcement target by Shenzhen Futian District People's Court with execution标的 of RMB 0; case details undisclosed.被深圳市福田区人民法院列为被执行人，执行标的0元，案件细节未披露。
CMB Wealth Management Dingtou service招银理财定投服务
1 · 2024-08-12
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CMB Wealth Management launches regular fixed-investment service for cash-management and fixed-income products.招银理财推出现金管理类和固收类理财产品的定期定投服务。
2024-08-12CMB Wealth Management launches regular fixed-investment (Dingtou) service for four cash-management and fixed-income wealth management products, with minimum amounts of RMB 0.01 or RMB 1.招银理财推出四款现金管理及固收理财产品的定投业务，最低金额0.01元或1元。
Gansu sci-tech finance agreement甘肃科技金融合作
1 · 2024-08-22
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Gansu Provincial Department of Science and Technology signs strategic agreement with CMB Lanzhou branch.甘肃省科技厅与招商银行兰州分行签署科技金融战略合作协议。
2024-08-22Gansu Provincial Department of Science and Technology signs strategic agreement with Lanzhou Branch to boost sci-tech finance.甘肃省科技厅与招商银行兰州分行签署战略协议，推动科技金融。
Shaanxi Coal Group visit陕煤集团拜访
1 · 2024-08-23
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CMB Vice President Zhu Jiangtao visits Shaanxi Coal Group to discuss deepening strategic cooperation.招商银行副行长朱江涛拜访陕煤集团，探讨深化战略合作。
2024-08-23Vice President Zhu Jiangtao visits Shaanxi Coal Group to discuss deepening strategic cooperation.副行长朱江涛到访陕煤集团，座谈深化战略合作。
Enterprise annuity promotion企业年金推广
1 · 2024-08-23
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CMB Lanzhou branch holds enterprise annuity business promotion conference.招商银行兰州分行举办企业年金业务推介会。
2024-08-23Lanzhou Branch holds enterprise annuity business promotion conference 'Pension with CMB, Sharing the Future' with nearly 50 enterprises.兰州分行举办“养老有招，共享未来”企业年金业务推介会，近50家企业参会。
Xiong'an industry upgrade seminar雄安产业升级研讨会
1 · 2024-08-29
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CMB holds industry upgrade financial services seminar in Xiong'an New Area.招商银行在雄安新区举办产业升级金融服务研讨会。
2024-08-29Holds industry upgrade financial services seminar in Xiong'an New Area, focusing on energy and future industries, with over 200 enterprises.在雄安新区举办产业升级金融服务研讨会，聚焦能源和未来产业，200余家企业参会。
China Film cooperation中国电影合作
1 · 2024-08-30
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CMB Beijing branch signs informatization cooperation agreement with China Film Co., Ltd.招商银行北京分行与中国电影股份有限公司签署信息化合作协议。
2024-08-30Beijing Branch signs informatization cooperation agreement with China Film Co., Ltd. and launches its treasury system.北京分行与中国电影股份有限公司签署信息化合作协议，并上线其司库系统。
Guangzhou charitable trusts广州慈善信托
1 · 2024-08-30
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CMB Guangzhou branch lands two charitable trusts in H1 2024.招商银行广州分行2024年上半年落地两单慈善信托。
2024-08-30Guangzhou Branch lands two charitable trusts (YG and FF) in H1 2024, with YG trust initial size RMB 1M, supporting poverty alleviation, education, environment, etc.广州分行2024年上半年落地YG和FF两单慈善信托，YG信托初始规模100万元，支持扶贫、教育、环保等。
Mortgage rate adjustment房贷利率调整
4 · 2024-09-02 → 2024-10-31
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CMB adjusts existing commercial personal housing loan interest rates to LPR-30BP.招商银行批量调整存量商业性个人住房贷款利率至LPR-30BP。
2024-09-02CMB President Wang Liang stated at the 2024 interim results conference that the bank has not received any notice from regulators regarding individual housing loan transfer mortgage (zhuan an jie); if the policy is introduced, it will negatively impact banks' existing mortgage rates.招商银行行长王良在2024年中期业绩交流会上表示，目前未收到监管针对个人房贷转按揭的相关意见；若政策推出，将对银行业存量按揭利率带来负面影响。
2024-09-29CMB announced that it will adjust existing commercial personal housing loan interest rates, with specific operational details to be released on October 12, 2024, and batch adjustments to be completed by October 31, 2024.招商银行发布公告，将调整存量商业性个人住房贷款利率，拟于2024年10月12日发布具体操作细则，并于2024年10月31日前完成批量调整。
2024-10-12CMB announces batch adjustment of existing mortgage rates to LPR-30BP, effective October 25, 2024.招商银行宣布于2024年10月25日批量调整存量房贷利率至LPR-30BP。
2024-10-31CMB announces mechanism to allow existing mortgage borrowers to adjust rate spread if current spread exceeds national average plus 30BP.招商银行发布存量房贷利率定价机制完善公告，允许加点值高于全国平均加30BP的客户申请调整。
Retail customer growth零售客户增长
2 · 2024-09-02 → 2026-04-01
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CMB retail customers exceed 200 million, reaching 202 million.招商银行零售客户突破2亿户，达2.02亿户。
2024-09-02CMB President Wang Liang said at the 2024 interim results conference that retail customers exceeded 200 million, reaching 202 million, up 2.54% from end-2023; Golden Sunflower and above customers reached 4.9964 million, up 7.67%.招商银行行长王良在2024年中期业绩交流会上表示，零售客户数突破2亿户，达到2.02亿户，较上年末增长2.54%；金葵花及以上客户499.64万户，增长7.67%。
2026-04-01CMB 2025 annual report: retail customers reached 224 million, up 6.67% YoY; Golden Sunflower and above customers 5.9315 million, up 13.29% YoY; retail loan balance RMB 3.65467 trillion, up 2.15% YoY.招商银行2025年报：零售客户总数达2.24亿户，同比增长6.67%；金葵花及以上客户593.15万户，同比增长13.29%；零售贷款余额3.65467万亿元，同比增长2.15%。
NIM outlook净息差展望
1 · 2024-09-02
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CMB vice president says NIM narrowing but decline slowing, confident in future.招商银行副行长表示净息差收窄但降幅放缓，对未来有信心。
2024-09-02CMB Vice President Peng Jiawen said at the 2024 interim results conference that the net interest margin (NIM) is narrowing quarter-on-quarter but the decline is slowing; he is confident in future NIM as economic recovery is established and current NIM of 1.54% is very low.招商银行副行长彭家文在2024年中期业绩交流会上表示，息差季度环比收窄但降幅放缓；对未来净息差有信心，经济复苏势头确立，当前1.54%的息差处于极低水平。
Profit strategy利润策略
1 · 2024-09-02
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CMB president says bank will not achieve profit growth by reversing provisions or lowering provision coverage.招商银行行长表示不会通过回拨拨备或降低拨备覆盖率实现利润增长。
2024-09-02CMB President Wang Liang said at the 2024 interim results conference that the bank will not simply achieve profit growth by reversing provisions or lowering the provision coverage ratio; it aims to improve profitability through better asset quality and lower risk costs.招商银行行长王良在2024年中期业绩交流会上表示，不会简单通过回拨拨备、降低拨备覆盖率来实现利润增长；将通过提升资产质量、降低风险成本来提升盈利水平。
International business development国际化业务发展
1 · 2024-09-02
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CMB focuses on international business, enhancing services in Hong Kong and Singapore.招商银行聚焦国际化业务，提升香港和新加坡服务能力。
2024-09-02CMB President Wang Liang said at the 2024 interim results conference that the bank will focus on international business development, enhancing retail wealth management, private banking, and asset management services in Hong Kong and Singapore, aiming to form a new growth point.招商银行行长王良在2024年中期业绩交流会上表示，将重点推进国际业务发展，提升在香港、新加坡等地的零售财富管理、私人银行和资产管理服务能力，形成新的增长点。
Retail credit risk outlook零售信贷风险展望
3 · 2024-09-02 → 2026-03-30
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CMB vice president predicts retail credit asset quality challenges in H2 2024.招商银行副行长预计2024年下半年零售信贷资产质量面临挑战。
2024-09-02CMB Vice President Wang Ying predicted at the 2024 interim results conference that retail credit asset quality will face challenges in H2, with NPL ratio, special mention ratio, and overdue ratio likely to rise slightly, but overall risk is stable and controllable.招商银行副行长王颖在2024年中期业绩交流会上预测，下半年零售信贷资产质量管控仍面临挑战，不良率、关注率、逾期率估计还会略有上升，但整体风险稳定可控。
2025-09-01CMB stated retail credit risk is still rising with no inflection point; credit card NPL ratio stable at 1.75%, retail NPL ratio rose to 1.03% from 0.96% at end-2024.招商银行表示零售信贷风险仍在上升，未见拐点；信用卡不良率持平于1.75%，零售不良率升至1.03%（2024年末为0.96%）。
2026-03-30CMB 2025 results conference: VP Xu Mingjie said retail NPL ratio rose to 1.06%; small-micro loan NPL jumped from 0.79% to 1.22%; credit card risk pressure persists.招商银行2025业绩会：副行长徐明杰称零售不良率升至1.06%；小微贷款不良率从0.79%升至1.22%；信用卡风险承压。
Strategic restructuring战略架构调整
1 · 2024-09-02
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CMB establishes inclusive finance system, sci-tech innovation sub-branch, and green finance committee.招商银行建立全行普惠金融服务体系，设立科技创新支行和绿色金融委员会。
2024-09-02CMB President Wang Liang stated at the 2024 interim results conference that the bank has established a full-bank inclusive finance service system, set up a science and technology innovation sub-branch, upgraded the pension finance department to a first-level department, and established a green finance committee to promote green finance development.招商银行行长王良在2024年中期业绩交流会上表示，已成立全行普惠金融服务体系，设立科创支行，养老金融部升格为一级部门，成立绿色金融委员会推进绿色金融发展。
Shanghai ultra-long-term floating-rate bond上海超长期浮息债
1 · 2024-09-05
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CMB Shanghai branch issues first ultra-long-term floating-rate bond in interbank market.招商银行上海分行发行银行间市场首单超长期浮息债。
2024-09-05CMB Shanghai Branch, together with Lingang Group, successfully issued the first ultra-long-term floating-rate bond in the interbank market, with a scale of 1 billion yuan, a term of 20 years, and a coupon rate of 2.66%.招商银行上海分行携手临港集团，成功发行境内银行间市场首单超长期浮息债，发行规模10亿元，期限20年，票面利率2.66%。
LandSpace aerospace partnership蓝箭航天合作
1 · 2024-09-11
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CMB partners with LandSpace on Zhuque-3 VTVL-1 test rocket.招商银行与蓝箭航天合作朱雀三号VTVL-1试验火箭。
2024-09-11CMB partnered with LandSpace (Blue Arrow Aerospace) on the Zhuque-3 VTVL-1 test rocket, which completed a 10-km vertical takeoff and landing return flight test; CMB is LandSpace's most important financial partner.招商银行与蓝箭航天合作的朱雀三号VTVL-1试验箭完成十公里级垂直起降返回飞行试验；招商银行是蓝箭航天最重要的金融合作伙伴。
Juchuan Media credit line炬川传媒授信
1 · 2024-09-12
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CMB Shanghai Nanxi sub-branch signs strategic cooperation with Juchuan Media, granting 100 million yuan credit line.招商银行上海南西支行与炬川传媒签署战略合作，给予1亿元授信。
2024-09-12CMB Shanghai Nanxi Sub-branch signed a strategic cooperation agreement with Juchuan Media (JuStar Media), granting an intended credit line of 100 million yuan to support the company's transformation and high-quality development.招商银行上海南西支行与剧星传媒签署战略合作协议，意向授信总金额1亿元，支持其转型升级和高质量发展。
Employee misconduct员工不当行为
1 · 2024-09-19
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CMB responds to female employee's PPT report, expels and dismisses management trainee.招商银行回应女员工PPT举报，将管培生开除党籍并辞退。
2024-09-19CMB responded to the incident of a female employee's 58-page PPT reporting a management trainee for prostitution and infidelity, stating that after investigation, the employee was expelled from the Party and dismissed from the bank.招商银行回应“女子58页PPT举报管培生嫖娼”事件，经调查核实后，对涉事员工予以开除党籍、行政开除处理。
Huida Sanitary Ware partnership惠达卫浴合作
1 · 2024-09-20
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CMB Tangshan branch signs strategic cooperation agreement with Huida Sanitary Ware.招商银行唐山分行与惠达卫浴签署战略合作协议。
2024-09-20CMB Tangshan Branch and Huida Sanitary Ware (Huida卫浴) signed a strategic cooperation agreement for in-depth collaboration in financial services, project financing, and supply chain optimization.招商银行唐山分行与惠达卫浴签署战略合作协议，将在金融服务、项目融资、供应链优化等领域展开深度合作。
Orient Group loan lawsuit东方集团贷款诉讼
1 · 2024-09-22
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CMB Harbin branch sues Orient Group over 1.1 billion yuan loan dispute.招商银行哈尔滨分行就11亿元贷款纠纷起诉东方集团。
2024-09-22CMB Harbin Branch sued Orient Group (东方集团) over a loan dispute involving 1.1 billion yuan, demanding early repayment of all principal and interest due to concerns over the company's solvency.招商银行哈尔滨分行因贷款纠纷起诉东方集团，涉及金额11亿元，因担忧其偿债能力要求提前收回全部贷款本息。
Baidu AI strategic cooperation百度AI战略合作
2 · 2024-09-29 → 2024-10-08
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CMB and Baidu sign strategic cooperation agreement to explore AI technology in finance.招商银行与百度签署战略合作协议，探索AI技术在金融领域应用。
2024-09-29CMB and Baidu signed a strategic cooperation agreement to explore deep collaboration in AI technology empowering tech finance, digital finance, and corporate finance.招商银行与百度签署战略合作协议，就人工智能等新技术赋能科技金融、数字金融、公司金融等方向开展深度合作。
2024-10-08CMB signs strategic cooperation agreement with Baidu to collaborate on AI, big models, and digital finance.招商银行与百度签署战略合作协议，围绕人工智能、大模型及数字金融等领域开展合作。
Alipay quick payment limit increase支付宝快捷支付限额提升
2 · 2024-09-30 → 2024-10-08
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CMB raises daily limit for debit card quick payment transactions on Alipay to 200,000 yuan.招商银行将借记卡支付宝快捷支付单日限额提升至20万元。
2024-09-30CMB announced that from October 10, 2024, the daily limit for debit card quick payment transactions on Alipay consumption scenarios will be raised to 200,000 yuan per day and 200,000 yuan per transaction.招商银行宣布自2024年10月10日起，将借记卡在支付宝消费场景的快捷支付交易限额提升为单日20万元、单笔20万元。
2024-10-08CMB raises daily quick-payment limit for Alipay consumption scenarios to CNY 200,000 per day and per transaction, effective October 10.招商银行将支付宝消费场景的快捷支付交易限额提升为单日20万元、单笔20万元，自10月10日起生效。
SME fee reduction小微企业费用减免
1 · 2024-09-30
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CMB announces 90% discount on interbank counter transfer fees for small and micro enterprises.招商银行对小微企业和个体工商户跨行柜台转账手续费实行九折优惠。
2024-09-30CMB announced a 90% discount on interbank counter transfer fees for single transactions of 100,000 yuan or less for small and micro enterprises and individual businesses, effective from September 30, 2024 to September 30, 2027.招商银行宣布2024年9月30日至2027年9月30日期间，对公跨行柜台转账单笔10万元（含）以下的手续费面向小微企业和个体工商户实行9折优惠。
Cross-border forex risk management跨境外汇风险管理
1 · 2024-10-08
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CMB Xi'an branch completes first batch of cross-border forex risk management services on SAFE platform.招商银行西安分行完成首批跨境外汇风险管理业务。
2024-10-08CMB Xi'an branch completes first batch of cross-border forex risk management services on SAFE platform, with transactions over USD 1.2 million.招商银行西安分行落地国家外汇管理局跨境金融服务平台首笔企业汇率风险管理业务，金额超120万美元。
Silk Road Cloud Chain e-Bill of Lading丝路云链电子提单
1 · 2024-10-11
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CMB and China Merchants Energy Shipping sign user agreement for blockchain-based e-Bill of Lading platform.招商银行与招商轮船签署基于区块链的'丝路云链'电子提单平台用户协议。
2024-10-11CMB and China Merchants Energy Shipping (BRITC) sign user agreement for 'Silk Road Cloud Chain' e-Bill of Lading platform based on blockchain.招商银行与招商轮船旗下BRITC签署“丝路云链”电子提单平台用户协议，基于区块链技术。
Huachuang Securities lawsuit华创证券诉讼
1 · 2024-10-12
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CMB sued by Huachuang Securities for securities misrepresentation in Wuhan court.招商银行被华创证券以证券虚假陈述责任纠纷起诉。
2024-10-12CMB is sued by Huachuang Securities in two cases for securities misrepresentation in Wuhan Intermediate Court.招商银行因证券虚假陈述责任纠纷被华创证券在武汉市中级人民法院起诉两案。
Share repurchase loans股票回购贷款
12 · 2024-10-20 → 2026-05-26
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CMB provides share repurchase and stake increase loans to multiple China Merchants Group subsidiaries and other companies.招商银行向招商局集团多家子公司及其他企业提供股票回购和增持贷款。
2024-10-20CMB Shenzhen branch provides up to CNY 702 million loan to China Merchants Shekou for share repurchase, term 12 months, rate ≤2.25%.招商银行深圳分行为招商蛇口股票回购项目提供不超过7.02亿元贷款额度，期限12个月，利率不超过2.25%。
2024-10-20CMB Shenzhen branch provides up to CNY 443 million loan to China Merchants Energy Shipping for share repurchase, term 12 months, rate ≤2.25%.招商银行深圳分行为招商轮船股票回购项目提供不超过4.43亿元贷款额度，期限12个月，利率不超过2.25%。
2024-10-20CMB Shenzhen branch provides up to CNY 389 million loan to China Merchants Port for share repurchase, term 12 months, rate ≤2.25%.招商银行深圳分行为招商港口股票回购项目提供不超过3.89亿元贷款额度，期限12个月，利率不超过2.25%。
2024-10-20CMB Beijing branch provides up to CNY 300 million loan to Sinotrans' controlling shareholder for A-share stake increase, term 12 months.招商银行北京分行为中国外运控股股东外运长航增持A股提供不超过3亿元贷款额度。
2024-10-20CMB Wuhu branch provides up to CNY 50 million loan to Foresight Technology for share repurchase, term 12 months.招商银行芜湖分行为福赛科技股票回购项目提供不超过5000万元贷款额度。
2024-10-24CMB Shenzhen branch provides up to CNY 109.2 million loan to China Merchants Property Operation for share repurchase, term 12 months, rate ≤2.25%.招商银行深圳分行为招商积余股票回购项目提供不超过1.092亿元贷款额度，期限12个月，利率不超过2.25%。
2024-10-24CMB Beijing branch provides up to CNY 432.6 million loan to China Merchants Expressway for share repurchase, term 12 months, rate ≤2.25%.招商银行北京分行为招商公路股票回购项目提供不超过4.326亿元贷款额度，期限12个月，利率不超过2.25%。
2024-11-01China Merchants Bank (CMB) held its 2024 Q3 performance briefing. Management stated that the bank has provided stock repurchase and share increase loan support to 6 listed companies, with total demand reaching hundreds of billions of yuan, and expects significant growth in this business.招商银行召开2024年三季度业绩交流会，管理层表示已为6家上市公司提供股票回购增持再贷款支持，落地需求上千亿元，预计后续业务有较大增长空间。
2024-11-18CMB Shanghai Branch completed Shanghai's first private listed company stock repurchase special loan commitment letter, from policy release to issuance in just two working days.招商银行上海分行落地上海首单民营上市公司股票回购专项贷款承诺函，从政策发布到出具仅用时两个工作日。
2025-01-07Provided a stock repurchase special loan commitment letter to Tianneng Heavy Industry for up to 35.7 million yuan, with a term of up to 36 months.向天能重工出具股票回购专项贷款承诺函，金额不超过3570万元，期限不超过36个月。
2025-04-23As of end-March 2025, China Merchants Bank had engaged 288 listed companies and major shareholders for share buyback and增持 loans, with cumulative financing of RMB 104.8 billion, covering high-end manufacturing, new energy, and biomedicine.截至2025年3月末，招商银行已对接288家上市公司及主要股东开展股票回购增持贷款业务，累计融资金额1048亿元，覆盖高端制造、新能源、生物医药等行业。
2026-05-26Issued a loan commitment letter to Tigermed (300347) for up to 900M yuan, specifically for share buyback, with a term of up to 36 months.向泰格医药（300347）出具贷款承诺函，借款金额不超过9亿元，专项用于回购公司股票，期限不超过36个月。
Sinopec cooperation中石化合作
1 · 2024-10-21
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CMB President Wang Liang meets Sinopec President to deepen energy transformation cooperation.招商银行行长王良会见中石化总经理，深化能源转型合作。
2024-10-21CMB President Wang Liang meets Sinopec President Zhao Dong to deepen cooperation in energy transformation and产融结合.招商银行行长王良会见中国石化总经理赵东，深化能源转型升级等领域合作。
Cross-border Wealth Management Connect 2.0跨境理财通2.0
2 · 2024-10-22 → 2025-03-26
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CMB Shenzhen branch reports Cross-border Wealth Management Connect 2.0 data with 11,388 customers.招商银行深圳分行披露跨境理财通2.0数据，客户数11388户。
2024-10-22CMB Shenzhen branch reports Cross-border Wealth Management Connect 2.0 data: 11,388 customers, cumulative fund flow CNY 8.64 billion as of end-September.招商银行深圳分行披露跨境理财通2.0数据：截至9月底客户数11388户，累计资金汇划量86.4亿元。
2025-03-26Launched the first fully online cross-border Wealth Management Connect (Southbound) account opening service among mainland banks.推出内地首家跨境理财通南向通全流程线上开户服务。
A500 index fund distributionA500指数基金销售
2 · 2024-10-25 → 2024-11-01
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CMB distributes over RMB 10 billion of A500 index funds on launch day, leading all channels.招商银行首发日销售A500指数基金超100亿元，领先全渠道。
2024-10-25CMB distributes over CNY 10 billion of A500 index funds on launch day, leading all channels; total market sales exceed CNY 20 billion.招商银行代销中证A500指数基金首日募集规模超百亿元，全市场合计超200亿元。
2024-11-01CMB reported that on October 25, its single-day sales of the A500 index fund reached 10 billion yuan, accounting for over half of the total 20 billion yuan market issuance, demonstrating strong wealth management distribution capability.招商银行透露，10月25日单日代销A500指数基金达100亿元，占全市场200亿元发行量的一半以上，彰显财富管理渠道销售能力。
Share buyback study股份回购研究
1 · 2024-11-01
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CMB management says bank is studying feasibility of share buyback.招商银行管理层表示正在研究股份回购的可行性。
2024-11-01CMB management said the bank is studying the feasibility of a share buyback, noting that while it has the capital capacity, no domestic listed bank has yet set a precedent. Measures such as increasing the dividend ratio or frequency are also under consideration.招商银行管理层表示正在研究股票回购可行性，称有能力回购或提高分红比例/频率，但境内上市银行尚无先例。
Other developments其他动态
74 · 2024-11-01 → 2026-06-01
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Assorted developments not part of a running storyline.未归入某条故事线的零散动态。
2024-11-01CMB stated that its retail mortgage loan applications in October increased by approximately 50% month-on-month, driven by the positive market response to the new real estate policies in key cities such as Beijing, Shanghai, Guangzhou, Shenzhen, and Hangzhou.招商银行表示，受房地产新政推动，10月当月按揭接单量环比增长约50%，北上广深杭等重点城市认购量和成交量增加。
2024-11-08China Chengxin International Credit Rating affirmed CMB's 'AAA' rating for its perpetual capital bonds, with a stable outlook, recognizing its systemic importance, profitability, asset quality, and capital adequacy.中诚信国际维持招商银行无固定期限资本债券'AAA'评级，展望稳定，肯定其系统重要性、盈利能力、资产质量和资本充足性。
2024-11-20CMB Beijing Branch reported that its inclusive small and micro enterprise loan balance exceeded 90 billion yuan as of end-October 2024.截至2024年10月末，招商银行北京分行普惠型小微企业贷款余额突破900亿元。
2024-12-05CMB Nansha Sub-branch received share pledges from Jingke Electronics' employee shareholding platforms (5.248 million and 6.4417 million shares) as enhanced guarantee for existing commercial loans.招商银行广东自贸试验区南沙分行收到晶科电子员工持股平台524.8万股及644.17万股股份质押，作为现有商业贷款的增强担保。
2024-12-11CMB applied to register trademarks 'YiZhao Da Mo Xing' and 'ZhaoShang YinHang YiZhao Da Mo Xing' under international classes advertising, website services, and scientific instruments.招商银行申请注册“一招大模型”和“招商银行一招大模型”商标，国际分类为广告销售、网站服务、科学仪器。
2024-12-18CMB announced it will batch open personal pension fund accounts for customers who pre-registered, effective December 15, 2024, following the nationwide implementation of the personal pension system.招商银行公告将于2024年12月15日个人养老金制度全面实施当天，为已预约自动开户的客户批量开通个人养老金资金账户。
2024-12-30CMB announced it will clear unused 'Yi Deng Ji' points accumulated on or before December 31, 2022, for debit card holders, effective January 1, 2025.招商银行公告将于2025年1月1日对借记卡易登机积分中2022年12月31日（含）之前累积且未使用的部分进行清零。
2025-01-07Dalian branch completed the first digital RMB payment for electricity bill financing in Northeast China, for Dalian Changzhilin Technology Co.大连分行为大连长之琳科技办理东北地区首笔电费证融资缴费数字人民币放款业务。
2025-03-03Selected Neusoft Group as the winning supplier for the treasury system construction external cooperation project (treasury technical transformation service section).选定东软集团为司库系统建设外部合作项目（司库技术改造服务标段）的中选供应商。
2025-03-14The board of directors reviewed and approved the 'Market Value Management System of China Merchants Bank'.董事会审议通过《招商银行市值管理制度》。
2025-03-17As the lead arranger, convened a bondholder meeting for Dalian Wanda Commercial Management Group's 2022 first-phase medium-term note (22 Dalian Wanda MTN001) for early redemption.作为召集人，召开大连万达商业管理集团“22大连万达MTN001”持有人会议，审议提前兑付议案。
2025-03-26The Shanghai branch successfully underwrote the first asset-backed bond in the CMB system and the first stock-pledged asset-backed bond in the market, with a total amount of 1 billion yuan and a coupon rate of 4.80%.上海分行成功承销招行系统内首单及全市场首单股票质押型资产担保债券，总金额10亿元，票面利率4.80%。
2025-03-27At the 2024 performance briefing, President Wang Liang stated that the bank is researching and论证 the establishment of a financial asset investment company (AIC), pending board approval.行长王良在业绩发布会上表示，正在研究论证设立金融资产投资公司（AIC），尚需董事会审批。
2025-03-27At the 2024 performance briefing, management guided a loan growth target of 7%-8% for 2025.管理层在业绩发布会上指引2025年贷款增速目标为7%-8%。
2025-04-14Jilin Airport Group partnered with China Merchants Bank to introduce the 'E-meal' smart canteen system, with CMB providing free hardware, software, and maintenance for digital canteen management at Changchun Airport.吉林机场集团携手招商银行引入“E餐通”智慧食堂系统，招行免费提供软硬件设备及维护，实现长春机场食堂数字化管理。
2025-04-16China Merchants Bank Haikou Branch, Shanghai Branch and other banks signed a 15-year, RMB 7 billion operating-property syndicated loan agreement with Fosun Tourism's Sanya Atlantis project.招商银行海口分行、上海分行等与复星旅文旗下三亚·亚特兰蒂斯项目签署15年期70亿元经营性物业银团贷款协议。
2025-04-30Shanghai Clearing House GM Xu Zaiyue met with China Merchants Bank VP Wang Xiaoqing; both agreed to deepen cooperation in bond, FX, interest rate derivatives, and commodity clearing to support Shanghai financial center development.上海清算所总经理许再越会见招商银行副行长王小青，双方同意在债券、外汇、利率衍生品、大宗商品清算通等领域深化合作，助力上海国际金融中心建设。
2025-05-08China Merchants Bank plans to invest RMB 15 billion to wholly establish a financial asset investment company (AIC), pending regulatory approval.招商银行拟出资150亿元人民币全资发起设立金融资产投资公司（AIC），尚待监管批准。
2025-05-16China Merchants Bank acted as lead underwriter for Qingdao Guoxin Group's first tunnel-asset REIT, raising RMB 1.601 billion at a 2.34% coupon, a record low for Shandong province.招商银行担任牵头主承销商，成功发行青岛国信集团首单隧道类资产类REITs，规模16.01亿元，票面利率2.34%，创山东省类REITs利率新低。
2025-06-27China Merchants Bank's 13th board approved a related-party transaction to grant a 27 billion yuan interbank credit line to CMB Consumer Finance (Zhaolian Xiaofei Jinrong) for a 2-year term.招商银行第十三届董事会第二次会议审议通过给予招联消费金融股份有限公司同业授信额度人民币270亿元，期限2年。
2025-06-27China Merchants Bank released an action plan to 'improve quality, increase efficiency, and emphasize returns', focusing on value creation, modern governance, and shareholder returns.招商银行发布“提质增效重回报”行动方案，聚焦价值创造、现代公司治理和股东回报。
2025-07-01President Wang Liang stated at the 2024 annual general meeting that the bank will restructure the retail business value chain, focusing on customer asset allocation rather than single fund sales scale, as net interest margin (NIM) fell to 1.91% in Q1 2025 and fund agency fee income dropped 19.58% YoY.行长王良在2024年度股东大会上表示，银行将重构零售业务价值链，聚焦客户资产配置而非单只基金销售规模，2025年一季度净息差降至1.91%，基金代销收入同比下降19.58%。
2025-07-05Published the blue paper 'Practice of Exchange Rate Risk Management for Chinese Enterprises' at the 'Zhaoyin Risk Hedging' client seminar in Quanzhou, an upgrade from the 2019 and 2022 white papers, providing systematic FX risk management solutions for Chinese enterprises.在泉州'招银避险'客户研讨会上发布《中国企业汇率风险管理实践》蓝皮书，为2019年和2022年白皮书的升级版，为中资企业提供系统性汇率风险管理解决方案。
2025-07-09Credit card center announced that from September 1, 2025, existing Visa dual-brand high-end magnetic-stripe cards (Infinite, Classic Platinum, Delicate Platinum) will be upgraded to chip versions. The Classic Platinum card will require annual spending of RMB 180,000 to qualify for annual fee waiver via 10,000 points.信用卡中心公告自2025年9月1日起，将已发行的Visa双标高端磁条卡（无限卡、经典白金卡、精致白金卡）升级为芯片版。经典白金卡需年消费满18万元方可使用1万积分兑换年费。
2025-07-17A Shanghai resident sued CMB credit card center for frequent phone and SMS harassment and was awarded RMB 5,000 in moral damages. CMB's consumer complaints rose to 206,100 in 2024, up 28.5% YoY, with credit card complaints accounting for 26.74%.上海一居民因招商银行信用卡中心频繁电话短信骚扰起诉并获赔5000元精神损害抚慰金。2024年招行消费者投诉量增至20.61万笔，同比增长28.5%，信用卡业务投诉占比26.74%。
2025-07-17CMB confirmed that for its 'Sunflower' cardholders to access the international VIP lounge at Chengdu Tianfu International Airport T1, they must have monthly average assets of at least RMB 20 million (excluding third-party stocks) and deduct 9 points, a requirement unique to this airport.招行确认金葵花客户使用成都天府国际机场T1国际贵宾厅需验资2000万元（月日均资产，不含第三方存管股票）并扣除9积分，该要求仅限该机场。
2025-07-30Chuan Yi Instrument Co., Ltd. (603100) announced it will cooperate with CMB to launch a shared bill pool business with a limit of RMB 1 billion, providing bill pledge guarantees for its subsidiaries.川仪股份（603100）公告拟与招商银行合作开展共享票据池业务，额度10亿元，并为子公司提供票据质押担保。
2025-08-07At the 2025 Wealth Partners Forum, CMB announced its retail bancassurance in-force premium scale exceeded 1 trillion yuan.在2025财富合作伙伴论坛上，招商银行宣布零售代销保险存量保费规模突破1万亿元。
2025-08-13CMB issued a notice on implementing personal consumption loan fiscal discount policy, in accordance with national document Cai Jin [2025] No. 80.招商银行发布公告，根据财金〔2025〕80号文推进个人消费贷款财政贴息政策实施。
2025-09-01CMB will accelerate internationalization and digital transformation, focusing on four business segments: corporate, retail, investment banking and financial markets.招商银行将加快国际化与数字化转型，聚焦公司金融、零售金融、投行与金融市场四大板块均衡协同发展。
2025-09-01CMB's wealth management fee income turned positive for the first time in three years, growing nearly 12% YoY in H1 2025.招商银行财富管理手续费收入三年来首次转正，2025年上半年同比增长近12%。
2025-09-01CMB's credit card transaction volume exceeded 2 trillion yuan in H1, down 8.3% YoY, but market share rose 0.3 ppts; card fee income fell 16.48%.招商银行上半年信用卡交易量突破2万亿元，同比下降8.3%，但市场份额提升0.3个百分点；银行卡手续费收入同比下降16.48%。
2025-09-01CMB's total assets reached 12.66 trillion yuan, up 4.16% from end-2024; customer loans 7.12 trillion yuan, up 3.31%; deposits 9.42 trillion yuan, up 3.58%.招商银行总资产达12.66万亿元，较上年末增长4.16%；客户贷款7.12万亿元，增长3.31%；客户存款9.42万亿元，增长3.58%。
2025-09-01CMB's NIM (net interest margin) was 1.88% in H1, 46 bps above the national banking average of 1.42%; deposit cost was 1.26%, far below peers.招商银行上半年净息差1.88%，高于全国银行平均1.42%达46个基点；存款成本率1.26%，远低于同业平均水平。
2025-09-01CMB's total FPA (customer financing amount) reached 6.45 trillion yuan, with non-traditional financing accounting for 41.4%.招商银行客户融资总量（FPA）达6.45万亿元，其中非传统融资占比41.4%。
2025-09-01CMB's custody scale exceeded 24 trillion yuan; cross-border payment volume grew over 20% YoY in H1.招商银行托管规模超过24万亿元；上半年全线上跨境支付业务量同比增长超过20%。
2025-09-01CMB will implement personal consumption loan fiscal discount policy: maximum subsidy 3,000 yuan per borrower (corresponding to 300,000 yuan eligible consumption).招商银行将执行个人消费贷款财政贴息政策：每名借款人贴息上限3000元（对应符合条件的累计消费金额30万元）。
2025-09-01CMB's CET1 ratio and total capital adequacy ratio declined from beginning of year due to dividend distribution; full-year risk-weighted asset growth expected around 9%.招商银行核心一级资本充足率和总资本充足率较年初下降，主因分红；全年风险加权资产增速预计约9%。
2025-09-02CMB Tianjin Wanxincun branch successfully intercepted a telecom fraud targeting an elderly customer, preventing fund loss.招商银行天津万新村支行成功拦截一起针对老龄客户的电信诈骗，避免了客户资金损失。
2025-09-04CMB Nanchang Yangming branch conducted anti-fraud awareness campaign in Qingchuang Space industrial park.招商银行南昌阳明支行联合新动力青创空间园区开展反诈知识普及活动。
2025-10-10CMB's AIC (financial asset investment company) subsidiary, ZhaoYin AIC, is set to be established in Shenzhen, with preparation progress close to that of CIB and CITIC.招商银行旗下招银金融资产投资公司（AIC）将落地深圳，筹备进度与兴业、中信接近。
2025-10-17SAIC Motor's shareholder meeting approved a related-party transaction to conduct deposit and loan business with CMB, with 99.94% approval.上海汽车集团股东会高票通过关于在招商银行开展存贷款等业务暨关联交易的议案，赞成率99.94%。
2025-10-18CMB registered 3 new software copyrights: 'Annuity Investment Management System V1.0', 'Personal Enterprise Annuity Service System (Mobile H5) V1.0', and 'Personal Enterprise Annuity Service System (PC) V1.0'.招商银行新注册3项软件著作权，包括《年金投资管理系统V1.0》、《个人企业年金服务系统(移动H5版)V1.0》、《个人企业年金服务系统(PC版本)V1.0》。
2025-10-19CMB registered 3 new software copyrights: 'Custody+ Integrated Service Platform V1.0', 'Investment Cloud System V1.0', and 'Custody Online Banking System V3.0'.招商银行新注册3项软件著作权，包括《托管+综合服务平台V1.0》、《投资云系统V1.0》、《托管网上银行系统V3.0》。
2025-10-22Hilton's Waldorf Astoria luxury hotel will open in CMB's global headquarters tower in Shenzhen by 2028, marking its first entry into South China.希尔顿旗下华尔道夫酒店将于2028年入驻招商银行全球总部大厦，首次进入华南市场。
2025-10-23CMB registered new software copyright 'Handheld Custody System (iOS) V1.0'.招商银行新注册软件著作权《掌上托管系统（IOS版）V1.0》。
2025-10-27CMB co-hosted the 'Huiju Luzhou, Venture Capital Hefei' industrial CVC ecosystem conference with Hefei Investment Promotion Bureau, focusing on corporate venture capital integration.招商银行与合肥市投促局共同主办“荟聚庐州 创投合肥”产业CVC生态大会，聚焦产业资本与城市生态融合。
2025-11-01China Merchants Bank (CMB) Nanjing branch's inclusive finance loan balance exceeded 55 billion yuan, with over 43,000 inclusive finance customers as of end-June 2025.招商银行南京分行普惠金融贷款余额突破550亿元，普惠客户数超4.3万户（截至2025年6月末）。
2025-11-01CMB Shanghai branch assisted CapitaLand Investment in issuing the market's first foreign-funded public sustainability-linked panda bond, with a 3-year tranche of 900 million yuan (coupon 2.35%) and a 5-year tranche of 300 million yuan (coupon 2.50%).招行上海分行协助凯德投资发行市场首单外资公募可持续发展挂钩熊猫债，三年期9亿元（票面2.35%）、五年期3亿元（票面2.50%）。
2025-11-03CMB adjusted physical gold bar prices following new VAT policy (Nov 1-Dec 31, 2027) exempting standard gold traded on exchanges from VAT unless physically delivered.招商银行根据黄金增值税新政（2025.11.1-2027.12.31，交易所标准黄金未实物交割免征增值税）调整实体金条价格。
2025-11-18CMB launched its third private banking center in Chongqing (Jiangbeizui), targeting high-net-worth clients in western China.招商银行私人银行（重庆江北嘴）中心开业，系在渝第三家私行中心。
2025-11-19CMB President Wang Liang announced at Shenzhen International Finance Conference that its financial asset investment company (AIC) subsidiary will open soon.招商银行行长王良在深圳国际金融大会上表示，旗下金融资产投资公司（AIC）近期即将开业。
2025-11-20CMB agreed to lend 4.2 billion yuan to Joy City Holdings subsidiary Youcheng Ltd and 3.2 billion yuan to Xidan Joy City Ltd, secured by equity and property pledges.招商银行向大悦城控股旗下佑城有限公司借款42亿元、向西单大悦城有限公司借款32亿元，以股权和不动产质押。
2025-11-29CMB donated 10 million HKD via its Hong Kong entities (CMB HK, Wing Lung Bank, CMB International) to support fire relief and reconstruction after the Tai Po fire.招商银行统筹在港机构（香港分行、招商永隆银行、招银国际）捐款1000万港元，支持香港大埔火灾救援及灾后重建。
2025-12-02China Merchants Bank's wholly-owned subsidiary Zhaoyin Financial Asset Investment Co., Ltd. (Zhaoyin Investment) officially opened in Shenzhen with a registered capital of 15 billion yuan, the highest initial capital among joint-stock bank AICs. Chairman concurrently held by Vice President Lei Caihua.招商银行全资子公司招银金融资产投资有限公司（招银投资）在深圳正式开业，注册资本150亿元，为股份制银行系AIC初始资本最高，董事长由副行长雷财华兼任。
2025-12-22China Merchants Bank's 13th Board of Directors' 9th meeting approved a comprehensive credit line of 165 billion yuan to China Merchants Group for 3 years, an increase of 35 billion yuan from the previous 130 billion yuan approved in June 2024.招商银行第十三届董事会第九次会议审议通过给予招商局集团1650亿元集团综合授信额度，期限3年，较2024年6月批准的1300亿元增加350亿元。
2026-01-07Fudan-Zhangjiang (01349.HK) subscribed 110 million yuan in structured deposit products from CMB, including 50 million yuan by the company and 60 million yuan by its subsidiary Taizhou Fudan-Zhangjiang.复旦张江(01349.HK)认购招商银行1.10亿元结构性存款产品，其中公司认购0.50亿元，全资附属公司泰州复旦张江认购0.60亿元。
2026-01-19Ludashi (03601.HK) subsidiary Chengdu Mijiayou subscribed 50 million yuan in structured deposit products from CMB.鲁大师(03601.HK)附属公司成都米加游认购招商银行5000万元结构性存款产品。
2026-01-21CMB announced optimization of personal consumption loan fiscal discount policy, effective Jan 1, 2026, automatically applying updated discount terms to eligible personal consumption loan and credit card bill installment customers.招商银行公告优化实施个人消费贷款财政贴息政策，自2026年1月1日起对符合条件的个人消费贷款和信用卡账单分期客户自动适用最新贴息政策。
2026-02-27China Merchants Bank held the 11th meeting of the 13th Board of Directors via written communication, approving amendments to financial management and internal control systems to enhance governance and risk prevention.招商银行以书面传签方式召开第十三届董事会第十一次会议，审议通过财务管理与内部控制体系修订议案，以提升公司治理水平和风险防范能力。
2026-03-11CMB channel drove early close of Zhong Ou Ying Xin Stable FOF; CMB custodies 38 FOFs with ~637.32 billion yuan.招商银行渠道推动中欧盈欣稳健FOF提前结募；招行托管38只FOF，规模约6373.2亿元。
2026-03-17CMB and China Merchants Shekou set 2026 related-party deposit/credit limits at 50 billion yuan each; Shekou plans up to 5 billion yuan entrusted wealth management with CMB.招商蛇口与招商银行设定2026年关联存贷款限额各500亿元；蛇口拟使用不超过50亿元委托理财。
2026-03-27CMB 2025 annual report: CMB Wealth Management's理财产品余额2.64万亿元 (+6.88%), net profit 2.726 billion yuan.招商银行2025年报：招银理财理财产品余额2.64万亿元（+6.88%），净利润27.26亿元。
2026-03-27CMB 2025 annual report: CMB CIGNA Life total assets 259.29 billion yuan, net profit 3.351 billion yuan.招商银行2025年报：招商信诺总资产2592.89亿元，净利润33.51亿元。
2026-03-27CMB 2025 annual report: Merchants Union Consumer Finance total assets 167.24 billion yuan, net profit 3.054 billion yuan.招商银行2025年报：招联消金总资产1672.38亿元，净利润30.54亿元。
2026-03-30CMB 2025 results conference: Chairman Miao Jianmin proposed 'retail relaunch, corporate re-surpass'; retail focus on asset quality, liability consolidation, and wealth management upgrade.招商银行2025业绩会：董事长缪建民提出'零售再出发，对公再超越'；零售聚焦资产提质、负债巩固、财富管理上台阶。
2026-03-30CMB 2025 results conference: CMB Investment (AIC) opened last year, focusing on debt-to-equity and equity investment; future integration with CMB International expected.招商银行2025业绩会：招银投资（AIC）去年开业，聚焦债转股和股权投资；未来拟与招银国际整合。
2026-04-01CMB 2025 annual report: credit card loan balance RMB 939.1 billion, down RMB 8.7 billion; cards in circulation 97.451 million, down 5.25 million from peak; credit card NPL ratio 1.74%, highest among retail loans.招商银行2025年报：信用卡贷款余额9391亿元，减少87亿元；流通卡9745.10万张，较峰值减少525万张；信用卡不良率1.74%，为零售贷款中最高。
2026-04-01CMB 2025 annual report: subsidiaries' net profit contribution nearly RMB 20 billion; CMB Wing Lung Bank net profit surged 87.26% YoY; CMB International net profit up 208.72%; CMB Financial Leasing net profit up 17.85%.招商银行2025年报：子公司净利润贡献近200亿元；招商永隆银行净利润同比激增87.26%；招银国际净利润增长208.72%；招银金租净利润提升17.85%。
2026-04-28CMB 2026 Q1: NPL balance RMB 69.858 billion, up RMB 1.652 billion from end-2025; NPL ratio 0.94%, flat; retail NPL ratio rose to 1.14%; retail loans declined ~1% QoQ.招商银行2026年一季末不良贷款余额698.58亿元，较上年末增加16.52亿元；不良率0.94%，持平；零售不良率升至1.14%；零售贷款环比下降约1%。
2026-05-13Private banking clients exceeded 200,000 for the first time, reaching 207,492 as of end-March 2026, up 4.1% from end-2025.私行客户数首次突破20万户，截至2026年3月末达207,492户，较上年末增长4.1%。
2026-05-28Board approved granting 92B yuan interbank credit line to wholly-owned subsidiary CMB Financial Leasing for 2 years.董事会审议通过给予全资子公司招银金融租赁同业授信额度920亿元，期限2年。
2026-05-28Ludashi subsidiary Chengdu Mijiayou subscribed to 47M yuan structured deposit product with CMB.鲁大师附属公司成都米加游向招商银行认购4700万元结构性存款产品。
2026-06-01CMB adjusts bank acceptance bill and commercial acceptance bill guarantee service items, adding risk exposure management fee (up to 2%) and exempting small/micro enterprises.招商银行调整银行承兑汇票和商业承兑汇票保证服务项目，新增风险敞口管理费（不高于2%），并对小微企业免收。
Capital instruments & bond issuance资本工具与债券发行
15 · 2024-11-05 → 2026-06-15
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Issuance of perpetual subordinated bonds, financial bonds, preference share redemption, and capital replenishment activities.发行永续次级债券、金融债券、优先股赎回及资本补充活动。
2024-11-05CMB successfully issued 30 billion yuan in perpetual subordinated capital bonds (Bond Connect) with a coupon rate of 2.42% for the first 5 years, to replenish Tier-1 capital.招商银行成功发行300亿元无固定期限资本债券（债券通），前5年票面利率2.42%，用于补充其他一级资本。
2025-02-20China Merchants Bank plans to issue 5 billion yuan 3-year fixed-rate financial bond (first tranche 2025), proceeds prioritized for digital-intelligent transformation.招商银行拟发行50亿元3年期固定利率金融债券（2025年第一期），募集资金优先用于数智化转型。
2025-02-25China Merchants Bank successfully issued the market's first 'digital-intelligent transformation' themed financial bond, 5 billion yuan, 3-year, proceeds for digital transformation projects.招商银行成功发行市场首单“数智化转型”主题金融债券，规模50亿元，期限3年，募集资金用于数智化转型项目。
2025-03-03Issued the first 'Digital and Intelligent Transformation' themed financial bond in China, with a scale of 5 billion yuan and a 3-year term.发行国内首单“数智化转型”主题金融债券，规模50亿元，期限3年。
2025-04-22China Merchants Bank announced issuance of 2025 perpetual subordinated bonds (Tranche 1, Bond Connect): basic size RMB 15 billion, with up to RMB 5 billion over-allotment; issuance period April 25-29, 2025; proceeds to supplement Tier-1 capital.招商银行公告拟发行2025年无固定期限资本债券（第一期）（债券通），基本发行规模150亿元，增加发行不超过50亿元，发行日4月25日至29日，募集资金用于补充其他一级资本。
2025-04-30China Merchants Bank completed issuance of RMB 20 billion perpetual subordinated bonds (Tranche 1, Bond Connect) at a coupon rate of 2.13% for the first 5 years, with proceeds used to supplement Tier-1 capital.招商银行完成发行200亿元无固定期限资本债券（第一期）（债券通），前5年票面利率2.13%，募集资金用于补充其他一级资本。
2025-05-30China Merchants Bank issued RMB 27 billion in perpetual subordinated bonds (second tranche 2025, Bond Connect) with a 2.05% coupon for the first 5 years, to replenish Tier-1 capital.招商银行成功发行270亿元无固定期限资本债券（2025年第二期，债券通），前5年票面利率2.05%，用于补充其他一级资本。
2025-07-10Exercised the call option to fully redeem the 2020 first tranche perpetual subordinated bond (RMB 50 billion) on its 5th anniversary, as per the bond's terms.行使赎回权，全额赎回了2020年发行的第一期无固定期限资本债券（500亿元），该债券于第5年末设有发行人赎回权。
2025-12-03China Merchants Bank issued the first tranche of 2025 Sci-Tech Innovation Bonds (Bond Connect), totaling 5 billion yuan, with 3.5 billion yuan in 3-year floating-rate notes at 1.82% and 1.5 billion yuan in 5-year fixed-rate notes at 1.82%.招商银行成功发行2025年第一期科技创新债券（债券通），总额50亿元，其中3年期浮动利率债35亿元票面利率1.82%，5年期固定利率债15亿元票面利率1.82%。
2026-03-13CMB announced full redemption of 275 million domestic preference shares 'Zhao Yin You 1' on April 15, 2026, totaling 27.5 billion yuan.招商银行公告拟于2026年4月15日全额赎回2.75亿股境内优先股'招银优1'，总额275亿元。
2026-04-09CMB announced redemption of all 275 million domestic preference shares (Zhaoyin You 1) at RMB 100 per share, total RMB 27.5 billion, on 15 April 2026.招商银行公告拟于2026年4月15日赎回全部2.75亿股境内优先股（招银优1），每股面值100元，总金额275亿元。
2026-04-15CMB completed issuance of first tranche 2026 perpetual subordinated capital bonds (Bond Connect) on 14 April, size RMB 30 billion, coupon 2.05% for first 5 years, to supplement Tier-1 capital.招商银行完成2026年第一期无固定期限资本债券（债券通）发行，规模300亿元，前5年票面利率2.05%，用于补充其他一级资本。
2026-04-15CMB completed redemption of all domestic preference shares (Zhaoyin You 1), paying total RMB 27.822 billion including par value and dividends; shares cancelled and delisted on 15 April 2026.招商银行完成全部境内优先股（招银优1）赎回，支付本息共计278.22亿元；优先股于2026年4月15日注销并摘牌。
2026-04-22CMB London branch's RMB 3 billion notes due 2029, coupon 1.73%, issued under the USD 5 billion MTN programme, admitted to trading on London Stock Exchange's International Securities Market.招商银行伦敦分行在50亿美元中期票据计划下发行的30亿元人民币票据（2029年到期，票息1.73%）获准在伦交所国际证券市场交易。
2026-06-15CMB issues 2026 second tranche perpetual subordinated bonds (Bond Connect) of RMB 20 billion, with initial coupon rate of 1.99% for first 5 years.招商银行发行2026年第二期无固定期限资本债券（债券通）200亿元，前5年票面利率1.99%。
Product launches & service upgrades产品发布与服务升级
19 · 2024-12-03 → 2026-06-12
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New credit cards, debit cards, digital platforms, and enhancements to retail and corporate banking products.新信用卡、借记卡、数字平台及零售与对公银行产品的升级。
2024-12-03CMB and Starbucks China jointly launched the first co-branded credit card 'Xing Zhao Card' in China, integrating Starbucks membership and CMB credit card ecosystem.招商银行与星巴克中国联合推出首张联名信用卡“星招卡”，融合星巴克星享俱乐部会员权益与招行信用卡生态。
2024-12-03CMB App launched 'Three Pensions for Retirement' function to help customers scientifically plan pension funds.招商银行App上线“备老三笔钱”功能，帮助客户科学规划养老金。
2024-12-13CMB announced it will discontinue the 'Kuai Yi Li Cai' telephone banking service (transfers, credit card repayment, time-demand deposit conversion via 95555) from December 31, 2024.招商银行公告将于2024年12月31日下线快易理财服务，停止通过95555电话人工办理转账汇款、信用卡还款、定活互转等业务。
2025-01-01Launched the cross-border e-commerce smart platform, the bank's first fully online one-stop digital comprehensive service platform for cross-border e-commerce, integrating customs, bank, and tax bureau systems.推出跨境电商智汇平台，该行首个全流程线上化一站式数字综合服务平台，打通海关、银行、税务局三方系统。
2025-03-21The 'Classic Platinum' credit card will suspend new card applications from April 10, 2025, due to poor overseas acceptance of magnetic stripe cards.经典版白金信用卡将于2025年4月10日起暂停新卡申请，因磁条卡境外受理不佳。
2025-03-21Adjusted the maximum quota of the 'Flash Loan' consumer loan product from 200,000 yuan to 300,000 yuan, and extended the maximum loan term to 7 years.调整“闪电贷”消费贷产品，额度上限从20万提至30万，贷款期限最长延至7年。
2025-04-02China Merchants Bank announced it will stop ATM QR code deposit services from April 9, 2025; customers must use physical bank cards for ATM deposits.招商银行公告自2025年4月9日起停止ATM扫码存款服务，客户需持实体银行卡通过ATM或网点办理存款。
2025-04-10China Merchants Bank announced it will upgrade certain UnionPay-Visa dual-brand magnetic stripe credit cards to chip cards (supporting PBOC & EMV dual application) starting May 26, 2025, for enhanced domestic and overseas payment security.招商银行公告自2025年5月26日起将部分银联-Visa双标磁条信用卡升级为支持PBOC与EMV双应用的芯片卡，提升境内外支付安全性。
2025-05-21China Merchants Bank Shanghai Branch launched a 'document preparation on behalf of clients' service for cross-border trade settlement, its first such innovation.招商银行上海分行创新推出“代客制单”服务方案，实现该行跨境单证服务从0到1的突破。
2025-06-04China Merchants Bank joined the first batch of floating-fee fund sales on June 4, achieving nearly 100 million yuan in sales on the first day.招商银行于6月4日加入首批浮费基金销售，首日销量近亿元。
2025-06-09China Merchants Bank launched the 'China Merchants Bank Mastercard Debit Card', the first debit card product cleared in RMB both domestically and internationally, in cooperation with Mastercard.招商银行全新推出“招商银行万事达借记卡”，为万事达卡与国内商业银行合作发行的首张境内外均以人民币清算的借记卡产品。
2025-06-22China Merchants Bank completed the first southbound facilitation cross-border remittance via the 'Cross-border Payment Link' (Kua Jing Zhi Fu Tong), enabling real-time RMB remittance from the mainland to Hong Kong through its app.招商银行通过“跨境支付通”成功办理全国首笔南向便利化汇款业务，实现内地向香港的跨境人民币实时到账。
2025-08-15CMB launched the upgraded 'Ju Li Gong Lian' supply chain finance brand and released the 'CMB Supply Chain Business Service Plan'.招商银行升级发布“聚力共链”供应链金融服务品牌及《招商银行供应链业务服务方案》。
2026-01-10CMB Visa credit cards will be eligible for Apple Pay binding starting Jan 15, 2026, becoming one of the first domestic banks to support this; previously Apple Pay in mainland China only supported UnionPay cards.招商银行Visa信用卡自2026年1月15日起可绑定Apple Pay，成为境内首批支持该功能的金融机构之一；此前中国大陆Apple Pay仅支持银联卡。
2026-05-12Nanchang Metro ride code service within CMB app will be discontinued from June 1, 2026, due to business adjustment.因业务合作调整，招商银行APP内南昌地铁乘车码服务自2026年6月1日起停止。
2026-05-20Xi'an branch launched 'Aviation Zhaoqi Loan', the bank's first industry-specific online financing product for aerospace supply chain SMEs in Shaanxi.西安分行推出系统内首个航空产业定制线上融资产品“航空招企贷”，服务陕西航空航天产业链中小企业。
2026-06-02CMB launches 'QDII Quota Tong' tool on its mobile banking app to help investors track overseas fund subscription quota changes in real time.招商银行在手机银行App上线“QDII额度通”工具，帮助投资者实时跟踪海外基金申购额度变动。
2026-06-12CMB launches 'Engineer Credit Card' with exclusive AI benefits, becoming first bank in China to include Token as a new-cardholder gift (up to 1.8 billion tokens/month from MiniMax).招商银行推出“运通工程师信用卡”，首创将Token纳入新户礼（最高每月18亿Token，来自MiniMax），成为国内首张搭载Token权益的信用卡。
2026-06-12CMB Beijing Branch and CMB Wealth Management launch corporate 'Charity Wealth Management' product, linking excess returns to donation to China Volunteer Service Foundation's 'Lamp Action' rural project.招商银行北京分行携手招银理财推出对公“慈善理财”产品，超额收益定向捐赠至中国志愿服务基金会“灯山行动”乡村公益项目。
Cross-border & international business跨境与国际业务
7 · 2024-12-16 → 2025-10-16
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Cross-border remittances, foreign exchange services, digital RMB pilots, and international banking expansion.跨境汇款、外汇服务、数字人民币试点及国际银行业务拓展。
2024-12-16CMB launched a direct-link interface with SAFE's digital platform for enterprise名录 registration, enabling banks to process foreign trade registration directly via internal systems; first transactions completed in Shenzhen and Qingdao on December 13.招商银行上线与国家外汇管理局数字外管平台的接口直联功能，实现银行行内系统直接办理企业名录新设登记；12月13日深圳、青岛分行率先完成业务。
2025-07-01Shanghai branch closed the bank's first pilot non-resident M&A loan under the Lingang New Area policy, providing financing to an overseas subsidiary of a Chinese A-share energy listed company for the cross-border acquisition of a Nordic core oil & gas listed company.上海分行落地该行首单临港新片区非居民并购贷款试点业务，为一家能源类A股上市公司旗下境外子公司提供融资，支持其完成对北欧核心油气上市公司的跨境收购。
2025-07-02CMB Wing Lung Bank opened its first offshore private wealth management center, the 'Private Wealth Management (Kowloon) Center', in Hong Kong's ICC, expanding its high-net-worth client service network outside the mainland.招商永隆银行在香港ICC开设首家境外私人财富管理中心——'私人财富管理（九龙）中心'，扩展境外高净值客户服务网络。
2025-07-31Wenzhou branch, under guidance from the State Administration of Foreign Exchange (SAFE), completed a cross-border guarantee (standby L/C) for an export enterprise within 72 hours, coordinating with HSBC and other foreign banks to support cross-border e-commerce firms' overseas operations.温州分行在外汇局指导下，72小时内完成跨境保函（备用信用证）开立，联动汇丰银行等外资行，支持跨境电商企业出海经营。
2025-08-19CMB subsidiary CMB International Securities began providing virtual asset trading services for professional investors, becoming the first Chinese bank to offer crypto trading.招商银行子公司招银国际证券公司开始提供虚拟资产交易服务，成为首家推出加密货币交易的中资银行。
2025-09-10CMB Beijing branch executed the first cross-border remittance in CMB system using digital RMB wallet disbursement + mBridge clearing, amounting to 2.1 billion yuan.招商银行北京分行落地招行体系内首单数字人民币钱包出款+多边央行数字货币桥清算的跨境汇款业务，金额21亿元人民币。
2025-10-16CMB Wenzhou branch completed its first cross-border RMB collection via the central bank digital currency (CBDC) bridge project, enabling near real-time settlement with lower fees.招商银行温州分行落地首笔基于央行数字货币桥项目的跨境人民币收汇，实现近乎实时到账并降低手续费。
Digital & technology initiatives数字化与科技举措
17 · 2024-12-19 → 2026-06-25
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Digital transformation projects, AI and large language model applications, cloud services, satellite IoT, and IT infrastructure.数字化转型项目、人工智能与大语言模型应用、云服务、卫星物联网及IT基础设施。
2024-12-19CMB headquarters awarded a contract for 2024-2025 GaussDB database license and on-site O&M services to Huawei Technologies Co., Ltd. (original manufacturer) via competitive negotiation.招商银行总行通过竞争性谈判，将2024-2025年度GaussDB数据库许可和驻场运维服务合同授予华为技术有限公司（原厂）。
2024-12-20CMB headquarters awarded a contract for 2024-2025 TDSQL database on-site O&M services to Tencent Cloud Computing (Beijing) Co., Ltd. (original manufacturer) and Shenzhen Huayun Zhongke Technology Co., Ltd. (agent) via competitive negotiation.招商银行总行通过竞争性谈判，将2024-2025年度TDSQL数据库驻场运维服务合同授予腾讯云计算（北京）有限责任公司（原厂）和深圳市华云中盛科技股份有限公司（代理商）。
2025-04-10China Merchants Bank CIO Zhou Tianhong stated at a summit that large language models will transform banking service models, enabling personalized service for all customers and human-digital employee collaboration.招商银行首席信息官周天虹在峰会上表示大语言模型将改变银行服务模式，实现全客户个性化服务及人机协同。
2025-04-16China Merchants Bank published procurement results for public cloud services: Azure (Shenzhen Yideng Software), AWS (Shenzhen Bosi Cloudwei Technology), Alibaba Cloud (Alibaba Cloud Computing), Huawei Cloud (Shenzhen Huawei Cloud Computing Technology).招商银行发布公有云服务采购结果：Azure微软云标段中选供应商为深圳市伊登软件有限公司，AWS亚马逊云标段为深圳市博思云为科技有限公司，阿里云标段为阿里云计算有限公司，华为云标段为深圳华为云计算技术有限公司。
2025-08-14CMB released bidding plan for Gui'an Cloud Data Center Industrial Park project, with investment estimate of nearly 3.4 billion yuan, self-funded.招商银行发布贵安云数据中心产业园项目招标计划，投资估算近34亿元，资金来源为自筹。
2025-09-05CMB held '2025 Zhaoyin Pujiang Digital Finance Ecosystem Conference'; CIO Zhou Tianhong said AI and large models are the biggest opportunity, CMB aims to become a leading intelligent bank.招商银行举办“2025招银浦江数字金融生态大会”，首席信息官周天虹表示大模型是最大确定性机会，招行致力于成为全球领先的智能银行。
2025-10-24CMB held 'Enterprise Digital Intelligence Financial Services Upgrade and Digital Intelligence Treasury Product Launch' in Shenzhen, unveiling 'Digital Intelligence Treasury' (ShuZhi SiKu) as a new-generation treasury management flagship product with AI capabilities.招商银行在深圳举办“企业数智金融服务升级暨数智司库产品发布会”，推出新一代财资管理旗舰产品“数智司库”，融入AI能力。
2025-10-27CMB awarded its first quantum computing procurement project 'Tiancheng AI' to Beijing Bose Quantum Technology, using a 1,000-qubit coherent optical quantum computer for financial AI optimization.招商银行首个量子计算采购项目“天秤AI”中标给北京玻色量子，采用千比特相干光量子计算机提升金融AI计算效率。
2025-11-17CMB issued tender plan for Gui'an Cloud Data Center Industrial Park project in Guizhou, with a budget of 3.398 billion yuan, covering ~160 mu (10.7 ha) and ~139,000 sqm, including data center buildings and a 110kV substation.招商银行发布贵安云数据中心产业园项目招标计划，预算33.98亿元，占地约160亩，总建筑面积约13.9万㎡，含数据中心机房楼、110千伏变电站等。
2026-01-21CMB launched 'Zhaoyin Jinkui Hao' low-orbit narrowband IoT satellite on Jan 16, forming a 'broadband + narrowband' coordinated satellite communication matrix with two previously launched satellites; subsidiary CMB Financial Leasing completed the industry's first satellite leasing project with initial投放 nearly 30 million yuan.招商银行1月16日发射'招银金葵号'低轨窄带物联网卫星，与已发射的2颗卫星形成'宽带+窄带'协同的招银系低轨卫星通信矩阵；子公司招银金租落地行业首单卫星租赁项目，首批投放近3000万元。
2026-01-21CMB issued design tender for Gui'an Cloud Data Center Industrial Park project, total investment ~3.398 billion yuan, covering 160 mu (~10.7 hectares), total floor area ~140,000 sqm, planned capacity of ~100,000 servers, to be built in two phases.招商银行发布贵安云数据中心产业园项目设计招标，总投资约33.98亿元，占地约160亩，总建筑面积约14万平方米，规划容纳约10万台服务器，分两期建设。
2026-02-28Qixin Group won the bid to supply office supplies and marketing materials for China Merchants Bank, providing one-stop digital procurement services to support the bank's digital transformation.齐心集团中标招商银行全行办公用品和营销宣传品项目，为招商银行提供一站式数字化采购服务，助力金融行业数智化转型升级。
2026-03-09CMB won the bid for Etern China's 2026-2028 bank-wide office supplies project.招商银行中标怡亚通2026-2028年全行办公用品项目。
2026-03-30CMB 2025 results conference: Chairman Miao Jianmin announced goal to build 'first intelligent bank' in the industry; 2025 IT spending 12.9 billion yuan (4.31% of revenue), 856 large-model application scenarios deployed.招商银行2025业绩会：董事长缪建民提出打造'行业内第一家智能银行'；2025年信息科技投入129亿元，落地856个大模型应用场景。
2026-05-13Guizhou Transportation Planning Survey & Design Institute won a 1.31M yuan contract for CMB's Gui'an Cloud Data Center geotechnical survey.贵州省交通规划勘察设计研究院中标招商银行贵安云数据中心岩土工程勘察项目，金额131.01万元。
2026-05-27Launched 'Zhao i Qi' one-stop enterprise registration and account opening platform in Shenzhen, integrating AI-powered registration with bank account services.在深圳发布“招i企”企业注册开户一站通平台，融合AI智能登记与银行开户服务。
2026-06-25CMB CIO Zhou Tianhong says annual tech spending is about RMB 13 billion; only 5% of computing power is used for large-model coding, with cautious approach to AI programming.招商银行首席信息官周天虹表示，年度科技投入约130亿元，仅5%算力用于大模型编程，对AI编程持审慎态度。
Shareholding & market moves股权变动与市场动态
26 · 2025-01-17 → 2026-06-25
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Changes in major shareholders' stakes, including Ping An, BlackRock, JPMorgan, and others.主要股东（如平安、贝莱德、摩根大通等）持股变动。
2025-01-17Ping An Life Insurance disclosed a举牌 (triggered threshold) on CMB H-shares, holding 5% of H-share capital as of 2025-01-10, with a book balance of 8.09 billion yuan.平安人寿公告举牌招商银行H股，截至2025年1月10日持有H股股本5%，账面余额80.90亿元。
2025-02-11Ping An Asset Management increased stake in China Merchants Bank by 3.786 million shares (HK), raising holding to 6.06%.平安资管增持招商银行378.6万股（港股），持股比例升至6.06%。
2025-03-07JPMorgan reduced its stake in CMB H-shares from 5.04% to 4.96%, with an average price of 44.9926 HKD.摩根大通减持招商银行H股，持股比例从5.04%降至4.96%，均价44.9926港元。
2025-03-11Ping An Asset Management increased its stake in CMB H-shares by 4.324 million shares, at an average price of 46.2475 HKD per share, holding 9.01%.平安资管增持招商银行H股432.4万股，每股作价46.2475港元，持股比例升至9.01%。
2025-03-11Ping An Life Insurance increased its stake in CMB H-shares by 7.1825 million shares on March 6, holding 9.06%.平安人寿于3月6日增持招商银行H股718.25万股，持股比例升至9.06%。
2025-03-19Ping An Life Insurance increased its stake in CMB H-shares by 6.0675 million shares on March 13, holding 10.06%, triggering a second H-share placement announcement.平安人寿于3月13日增持招商银行H股606.75万股，持股比例升至10.06%，触发第二次举牌。
2025-03-31Ping An Life Insurance increased its stake in CMB H-shares by 33.3905 million shares on March 26, holding over 11% of the total H-shares.平安人寿于3月26日增持招商银行H股3339.05万股，持股占H股总数突破11%。
2025-04-22BlackRock's stake in China Merchants Bank rose from 4.93% to 5.00% on April 15, 2025, as disclosed by HKEX.香港交易所披露，贝莱德在招商银行的持股比例于2025年4月15日从4.93%升至5.00%。
2025-05-06Zhang Kun's E Fund Quality Enterprise Three-Year Holding sold 3 million shares of China Merchants Bank on April 29 for about RMB 127 million, due to passive overweight exceeding 10% of NAV.张坤管理的易方达优质企业三年持有于4月29日卖出300万股招商银行，金额约1.27亿元，因被动超限。
2025-05-06Ping An Life increased its H-share holding in China Merchants Bank by 3.4755 million shares, raising its stake to 12%.平安人寿增持招商银行347.55万股H股，持股比例升至12%。
2025-05-22Ping An Asset Management increased its stake in China Merchants Bank from 12.98% to 13.17%, with an average price of HKD 48.8137 per share.平安资产管理增持招商银行股份，持股比例从12.98%升至13.17%，平均股价48.8137港元。
2025-05-23BlackRock reduced its stake in China Merchants Bank from 5.03% to 4.98% on May 19, with an average price of HKD 48.9648.贝莱德于5月19日减持招商银行股份，持股比例从5.03%降至4.98%，平均股价48.9648港元。
2025-06-04Ping An Asset Management increased its stake in China Merchants Bank H-shares to 14.07% on May 30, 2025, with an average price of HKD 49.0002.平安资产于2025年5月30日增持招商银行H股，持股比例升至14.07%，平均股价49.0002港元。
2025-06-10Ping An Life Insurance increased its stake in China Merchants Bank H-shares by 4.058 million shares on June 4, raising its total holding to 647 million shares, exceeding 14% of the H-share total.平安人寿于6月4日增持405.8万股招商银行H股，持股增至6.47亿股，占H股总数突破14%。
2025-06-21Ping An Life Insurance increased its stake in China Merchants Bank H-shares by 6.2955 million shares on June 17, reaching 15% of the H-share capital and triggering a third mandatory disclosure filing within six months.平安人寿于6月17日增持629.55万股招商银行H股，持股比例达到15%，触发半年内第三次举牌。
2025-07-28Ping An Asset Management Co., Ltd. increased its stake in CMB via Hong Kong stock market, raising its holding from 15.94% to 16.03% at an average price of HKD 52.8496 per share.平安资产管理有限责任公司通过港股市场增持招商银行股份，持股比例由15.94%升至16.03%，平均股价52.8496港元。
2025-08-01Ping An Life Insurance increased its stake in China Merchants Bank, with shareholding rising from 15.91% to 16.10%, average price HKD 52.3383.中国平安人寿保险增持招商银行，持股比例由15.91%升至16.10%，平均股价52.3383港元。
2025-08-12Citigroup's stake in China Merchants Bank rose from 4.99% to 5.08% on August 6.花旗集团在招商银行的持股比例于8月6日从4.99%升至5.08%。
2025-10-14BlackRock increased its stake in CMB H-shares from 4.91% to 5.02% on October 9.贝莱德于10月9日增持招商银行H股，持股比例从4.91%升至5.02%。
2025-10-15Ping An Life Insurance increased its stake in CMB H-shares to over 17% of total H-shares, after acquiring 2.989 million shares on October 10.平安人寿于10月10日增持298.9万股招商银行H股，持股占H股总数突破17%。
2025-10-20BlackRock reduced its stake in CMB H-shares from 5.04% to 4.92% on October 14-15.贝莱德于10月14-15日减持招商银行H股，持股比例从5.04%降至4.92%。
2025-10-24Ping An Asset Management increased its stake in CMB H-shares from 17.97% to 18.04% on October 21.平安资产管理于10月21日增持招商银行H股，持股比例从17.97%升至18.04%。
2025-10-30Ping An Life Insurance increased its stake in CMB H-shares to over 18% of total H-shares, after acquiring 6.6535 million shares on October 24 at an average price of 49.8861 HKD.平安人寿于10月24日增持665.35万股招商银行H股，均价49.8861港元，持股占H股总数突破18%。
2025-12-30Ping An Life Insurance increased its holdings of China Merchants Bank H-shares by 6.357 million shares on December 24, raising its total H-share holdings to 878 million shares, representing over 19% of H-shares and 3.48% of total share capital.平安人寿于12月24日增持招商银行H股635.7万股，持股增至8.78亿股，占H股总数突破19%，占总股本3.48%。
2026-01-08Ping An Life Insurance disclosed that it held 20% of CMB H-shares as of Dec 31, 2025, triggering the fourth margin purchase announcement; book balance reached 43.956 billion yuan.平安人寿披露截至2025年12月31日持有招商银行H股股本的20%，触发第四次举牌；账面余额达439.56亿元。
2026-06-25CMB CFO Peng Jiawen says China Ping An's continued H-share purchases are financial investment, seeking high dividend returns.招商银行副行长彭家文表示，中国平安持续增持H股是财务投资，追求高分红回报。
Sci-tech & innovation finance科技金融与创新融资
13 · 2025-02-26 → 2026-06-16
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Loans and bonds for technology enterprises, sci-tech finance centers, and innovation-themed financial products.科技企业贷款与债券、科技金融中心及创新主题金融产品。
2025-02-26China Merchants Bank established its first Sci-Tech Finance Center (Hefei) and held Hefei branch tech finance brand launch, signing partnerships with tech finance ecosystem alliances.招商银行成立系统内首家科创金融中心（合肥），并举办合肥分行科技金融品牌发布会，与科技金融生态联盟合作伙伴签约。
2025-03-31The Beijing branch successfully landed the first sci-tech enterprise M&A syndicated loan pilot business in the market, with the loan accounting for 80% of the transaction amount.北京分行成功落地市场首单科技企业并购银团贷款试点业务，贷款占交易额80%。
2025-04-01China Merchants Bank Beijing Branch led the first national sci-tech enterprise M&A syndicated loan pilot, providing 80% of the M&A transaction amount to a listed subsidiary of a municipal state-owned enterprise, following the NFA's March 2025 pilot policy that relaxed loan-to-M&A ratio to 80% and loan tenor to 10 years.招商银行北京分行牵头落地全国首单科技企业并购银团贷款试点业务，为某市属国企上市子公司发放占并购交易额80%的银团贷款，依据2025年3月国家金融监管总局试点政策将贷款比例放宽至80%、期限放宽至10年。
2025-06-06China Merchants Bank Lanzhou branch led the underwriting of Jinchuan Group's first science and technology innovation bond in Gansu province, with an issuance size of 500 million yuan, a 270-day tenor, and a coupon rate of 1.69%, setting a new low for non-financial enterprise debt financing instruments in Gansu.招商银行兰州分行牵头承销金川集团2025年度第一期科技创新债券，发行规模5亿元，期限270天，票面利率1.69%，为甘肃市场首单科技创新债券，创甘肃省非金融企业债务融资工具票面利率新低。
2025-07-07Xi'an branch launched an innovative 'R&D Reserve Loan' product, a zero-collateral, pure-credit loan targeting high-R&D-intensity tech enterprises, with the first case supporting a new-drug R&D company facing annual R&D costs of nearly RMB 100 million.西安分行创新推出'研发准备金贷款'，为零抵押纯信用贷款，面向高研发投入科技型企业，首单支持一家年研发投入近亿元的创新型医药企业。
2025-07-18Hefei branch's 'Sci-Tech Talent Loan' has exceeded RMB 22 million in approved credit, with 17 applications landed and 9 enterprises funded, targeting research teams from USTC, Hefei Institutes of Physical Science, and Hefei University of Technology.合肥分行'科创人才贷'授信规模突破2200万元，落地17笔申请、投放9户，精准滴灌中国科学技术大学、合肥物质研究院、合肥工业大学等科研团队。
2025-08-27CMB acted as lead underwriter for Fosun Pharma's 1 billion yuan technology innovation bond, the first private pharmaceutical sci-tech innovation bond in China, with a coupon rate of 2.7%.招商银行作为牵头主承销商助力复星医药发行10亿元科技创新债，利率2.7%，为全国首单民营医药行业科技创新债。
2025-09-01CMB's technology enterprise loan balance reached 696.205 billion yuan, up 17.91% from end-2024; manufacturing loan balance 691.308 billion yuan, up 7.77%.招商银行科技企业贷款余额6962.05亿元，较上年末增长17.91%；制造业贷款余额6913.08亿元，增长7.77%。
2025-09-05CMB Dongguan branch issued the first 'Park Loan' (yuanqu dai) of 3 million yuan at Nancheng Tian'an Digital City pilot park, an unsecured low-cost loan for SMEs.招商银行东莞分行在南城天安数码城试点园区发放首笔“园区贷”300万元，为中小微企业提供无抵押、低成本信贷服务。
2025-10-11CMB Shijiazhuang branch jointly developed 'ChuangSai Dai' (Innovation Competition Loan) with Hebei Provincial Department of Science and Technology, providing unsecured credit loans to early-stage sci-tech enterprises participating in innovation competitions.招商银行石家庄分行与河北省科技厅共同开发“创赛贷”，为创新创业大赛获奖初创科技企业提供无抵押信用贷款。
2025-11-19CMB released a '4*3 matrix' comprehensive service plan for tech finance at a conference co-hosted with Renmin University in Shenzhen.招商银行在深圳与中国人民大学联合发布科技金融4*3矩阵式综合服务方案。
2026-03-27CMB 2025 annual report: established head office Sci-Tech Finance Department; sci-tech loans reached ~1.04 trillion yuan (+8.1% YoY).招商银行2025年报：成立总行科技金融部；科技贷款余额约1.04万亿元（同比+8.1%）。
2026-06-16CMB Xi'an Branch and Qinchuangyuan Technology Investment jointly launch 'Kechuang Carbon-You Loan' for tech SMEs, with first disbursement to Xi'an XR Environmental Technology Co.招商银行西安分行与秦创投公司联合推出“科创碳优贷”，首笔投放至西安XR环保科技有限公司。
ESG & green initiativesESG与绿色倡议
4 · 2025-04-29 → 2025-07-24
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Green finance, elderly-friendly services, charity wealth management, and low-carbon branch initiatives.绿色金融、适老服务、慈善理财及低碳支行举措。
2025-04-29China Merchants Bank launched the 'Qing Nuan Sang Yu Yi Yang You Zhao' elderly-friendly service system in Beijing, featuring tailored financial services for senior customers.招商银行北京分行正式推出“情暖桑榆 颐养有招”适老化服务体系，为老年客户提供专属金融服务。
2025-05-07China Merchants Bank Beijing Branch launched the 'Qing Nuan Sang Yu Yi Yang You Zhao' elderly-friendly service system, targeting the aging population.招商银行北京分行推出“情暖桑榆 颐养有招”适老化服务体系，服务老年客群。
2025-05-21China Merchants Bank Xi'an Branch was selected as a designated bank for supervising prepaid fees of elderly care institutions in Shaanxi Province and Xi'an.招商银行西安分行入选陕西省及西安市养老机构预收费资金监管合作银行。
2025-07-24Guangzhou branch disbursed its first equipment-update project loan approved by the State-owned Assets Supervision and Administration Commission (SASAC), a RMB 50 million loan to Huaneng Southern Branch for green and intelligent equipment transformation.广州分行为华能南方分公司发放5000万元贷款，为该行落地的首笔经国务院国资委审批的设备更新项目贷款，用于装备绿色化智能化改造。
