招商银行股份有限公司（CHINA MERCHANTS BANK）2022年年度报告（中译版）（330页）.pdf

1、H Share Stock Code:03968Annual ReportChina Merchants BankAnnual Report 2022(H share)1ContentsContents2Definitions2Significant Risk Warning3Important Notice4Chairmans Statement8Presidents Statement13Chapter I Company Information18Chapter II Summary of Accounting Data and Financial Indicators22Chapter

2、 III Management Discussion and Analysis223.1 Analysis of Overall Operation223.2 Analysis of Income Statement293.3 Analysis of Balance Sheet333.4 Analysis of Loan Quality393.5 Analysis of Capital Adequacy423.6 Results of Operating Segments433.7 Other Financial Disclosures under the Regulatory Require

3、ments433.8 Implementation of Development Strategies473.9 Key Business Concerns in Operation583.10 Business Operation783.11 Risk Management843.12 Outlook and Coping Tactics87Chapter IV Environmental,Social and Governance(ESG)98Chapter V Corporate Governance141Chapter VI Important Events149Chapter VII

4、 Changes in Shares and Information on Shareholders161Chapter VIII Financial StatementsChina Merchants BankAnnual Report 2022(H share)2Definitions/Significant Risk WarningDefinitionsSignificant Risk WarningThe Company has disclosed herein the major risks involved in its operations and the adopted ris

5、k management measures.Please refer to Chapter III for the details in relation to risk management.The Company,the Bank,CMB or China Merchants Bank:China Merchants Bank Co.,Ltd.The Group:China Merchants Bank and its subsidiariesCBIRC:China Banking and Insurance Regulatory CommissionCSRC:China Securiti

6、es Regulatory CommissionHong Kong Stock Exchange or SEHK:The Stock Exchange of Hong Kong LimitedHong Kong Listing Rules:The Rules Governing the Listing of Securities on the SEHKCMB Wing Lung Bank:CMB Wing Lung Bank LimitedCMB Wing Lung Group:CMB Wing Lung Bank and its subsidiariesCMB Financial Leasi