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三连冠!招行再获“中国最佳银行”殊荣

来源:,三连冠,招行再获,中国最佳银行,殊荣 编辑:风华绝代 浏览:88 发布:2021-07-14 19:14:10

三连冠!招行再获“中国最佳银行”殊荣

来源:招行微刊

三连冠!招行再获“中国最佳银行”殊荣

数字化是外界另一个重要关注点。招行长期持续投入金融科技基础设施建设,依托手机App搭建数字化服务体系。截至2021年上半年,招商银行、掌上生活两大App的MAU过亿,线上理财投资客户数量三年翻一番,占全部理财投资客户的97%以上。新冠疫情期间,“不见面的服务”使招行与客户的关系更加紧密。

此外,招行在连接香港和广东的粤港澳大湾区发展中所处地位,以及环境、社会和治理方面的努力均广受认可。

为助力国家“双碳目标”完成,招行大力发展绿色金融,至2020年末,绿色融资业务余额合计2176.98亿元 ,其中绿色贷款余额1993.69亿元,主要投向基础设施绿色升级和清洁能源产业;面向低碳节能产业的绿色债券、表外融资也快速发展。

近年来,招行紧密围绕“轻型银行”战略,以客户和科技为主线,实现“质量、效益、规模”动态均衡发展。未来五至十年,招行着眼于实体经济不断升级的融资需求和居民财富持续高涨的配置需求,以“大财富管理”为工作主线,以金融科技为动力,致力打通资产和资金的供需两端,向“轻型银行”的高级形态不断演进。

附:《欧洲货币》上刊原文及翻译

Yet again, China Merchants Bank stands head and shoulders above its domestic peers. The Shenzhen lender deserves to win courtesy of its financials alone. Net-interest income rose 6.9% year on year in 2020 to Rmb185 billion ($28.9 billion), with net profit up 4.82% year on year to Rmb97 billion. No domestic lender comes close to competing with it on a host of key metrics, from non-performing loans to net-interest margins. It boasted the highest returns on equity (15.73%) and assets (1.23%) last year, and reliably posts better figures than its far larger state-run banking rivals. But its strength extends far further and deeper.

The bank has spend a decade investing in wealth management: its local private banking team is considered the best around. Digital is another key focus and during the pandemic it carried on investing in its financial technology offering. It reckons 255 million people used its two main mobile banking applications by the end of 2020.

China Merchants Bank is well placed to profit from the Greater Bay Area, the financial zone linking Hong Kong to Guangdong, and is seeking to be a leading voice on environmental, social and governance (ESG) issues - a key theme outlined by Beijing in its 14th five-year plan, which runs through 2025. It continues to step out onto the world stage and to hire at its six offshore branches, including those in Hong Kong, London and New York.

招商银行又一次在国内同行中脱颖而出。这家来自深圳的银行仅凭其财务数据就足以赢得赞誉。2020年净利息收入同比增长6.9%,达到1850亿元人民币,净利润同比增长4.82%,达到970亿元人民币。没有任何一家国内银行能在一系列关键指标上与之竞争,从不良贷款到净息差。该行去年的平均净资产收益率为15.73%,平均总资产收益率为1.23%,在数据表现上持续优于规模远超于它的国有行对手。但它的优势远不止于财务数据,其力量延伸地更远更深。

这家银行在财富管理领域深耕十余年:他们的私人银行团队被认为是最好的。数字化是其另一个重要关注点,在新冠疫情期间,该行继续投资于其金融科技产品和平台。据悉,截至2020年底,已有2.55亿人使用该行两个主要的手机银行应用程序。

招商银行在连接香港和广东的粤港澳大湾区发展中亦处于有利位置,并正在寻求成为环境、社会和治理话题的重要发声者之一,并且ESG事务是中国十四五计划中的一个重要主题。可以想见,该行的业务将继续走入世界舞台,不断发展其包括香港、伦敦和纽约在内的六家海外分行。

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