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图表10中国高净值人群首选银行及信用卡排名
图表10中国高净值人群首选银行及信用卡排名
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所属报告:
招商银行-公司研究报告-深耕零售“因您而变”价值再造与日俱新-250331(29页).pdf
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墨西哥主要商业银行信用卡利率(2025年6月)
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行业数据
2026-07-20
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美国商业银行信用卡利率当前处于历史高位
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行业数据
2026-06-25
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图5.11 信用卡贷款和破产申请的录账率和违约率
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竞争格局
2026-04-01
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图表142025年前三个季度,美国信用卡银行净息差9.3%
| FIRST THREE QUARTERS (The way it is...) | All Insured Institutions | Credit Card Banks | International Banks | Agricultural Banks | Commercial Lenders | Mortgage Lenders | Consumer Lenders | Other Specialized <$1 Billion | All Other <$1 Billion | All Other >$1 Billion |
|-----------------------------------------|--------------------------|-------------------|---------------------|--------------------|--------------------|------------------|------------------|------------------------------|-----------------------|-----------------------|
| Number of institutions reporting        | 4,379                    | 9                 | 5                   | 955                | 2,435              | 317              | 33               | 162                          | 385                   | 78                    |
| Commercial banks                        | 3,848                    | 8                 | 5                   | 944                | 2,200              | 103              | 30               | 147                          | 344                   | 67                    |
| Savings institutions                    | 531                      | 1                 | 0                   | 11                 | 235                | 214              | 3                | 15                           | 41                    | 11                    |
| Total assets (in billions)              | $25,113.2                | $1,052.1          | $6,559.8            | $306.6             | $7,434.3           | $533.9           | $281.8           | $33.0                        | $89.9                 | $8,821.9              |
| Commercial banks                        | 23,937.0                 | 941.5             | 6,559.8             | 299.3              | 6,959.8            | 118.2            | 280.7            | 30.8                         | 78.8                  | 8,668.1               |
| Savings institutions                    | 1,176.2                  | 110.6             | 0.0                 | 7.3                | 474.5              | 415.7            | 1.1              | 2.2                          | 11.1                  | 153.8                 |
| Total deposits (in billions)            | 19,749.8                 | 808.7             | 4,821.4             | 257.0              | 6,106.5            | 448.2            | 230.0            | 26.2                         | 77.1                  | 6,974.7               |
| Commercial banks                        | 18,791.7                 | 726.1             | 4,821.4             | 253.3              | 5,729.8            | 98.0             | 229.1            | 25.0                         | 67.9                  | 6,841.1               |
| Savings institutions                    | 958.1                    | 82.6              | 0.0                 | 3.7                | 376.7              | 350.2            | 0.9              | 1.2                          | 9.3                   | 133.6                 |
| Bank net income (in millions)           | 218,508                  | 10,832            | 56,920              | 3,010              | 60,936             | 4,414            | 2,661            | 797                          | 913                   | 78,025                |
| Commercial banks                        | 208,444                  | 8,287             | 56,920              | 2,889              | 58,180             | 1,030            | 2,658            | 382                          | 866                   | 77,231                |
| Savings institutions                    | 10,064                   | 2,545             | 0                   | 121                | 2,756              | 3,385            | 3                | 415                          | 47                    | 794                   |
| Performance Ratios (annualized, %)      |                          |                   |                     |                    |                    |                  |                  |                              |                       |                       |
| Yield on earning assets                 | 5.56                     | 12.52             | 5.37                | 5.76               | 5.62               | 3.58             | 8.01             | 4.72                         | 5.31                  | 4.92                  |
| Cost of funding earning assets          | 2.29                     | 3.23              | 2.61                | 2.03               | 2.11               | 1.42             | 3.41             | 1.09                         | 1.62                  | 2.15                  |
| Net interest margin                     | 3.27                     | 9.29              | 2.76                | 3.73               | 3.50               | 2.15             | 4.60             | 3.62                         | 3.68                  | 2.77                  |
| Noninterest income to assets            | 1.37                     | 4.44              | 1.76                | 0.52               | 0.84               | 1.05             | 1.38             | 6.98                         | 1.07                  | 1.23                  |
| Noninterest expense to assets           | 2.44                     | 7.40              | 2.32                | 2.33               | 2.38               | 1.73             | 2.93             | 6.10                         | 2.89                  | 2.03                  |
| Credit loss provision to assets**       | 0.39                     | 3.63              | 0.35                | 0.15               | 0.22               | 0.02             | 0.75             | 0.10                         | 0.08                  | 0.23                  |
| Net operating income to assets          | 1.20                     | 1.49              | 1.19                | 1.35               | 1.15               | 1.07             | 1.47             | 3.18                         | 1.40                  | 1.21                  |
| Pretax return on assets                 | 1.49                     | 1.90              | 1.56                | 1.52               | 1.41               | 1.37             | 1.69             | 4.14                         | 1.53                  | 1.46                  |
| Return on assets                        | 1.19                     | 1.50              | 1.19                | 1.33               | 1.12               | 1.08             | 1.29             | 3.26                         | 1.38                  | 1.20                  |
| Return on equity                         | 11.74                    | 11.84             | 13.44               | 13.26              | 10.13              | 11.40            | 13.52            | 19.69                        | 13.55                 | 11.96                 |

资料来源：FDIC
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行业数据
2026-01-28
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图表12目前美国信用卡利率接近21%
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行业数据
2026-01-28
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狭义消费贷(剔除房贷、信用卡)投放主体规模占比
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市场规模
2026-01-09
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图9、美国小银行信用卡拖欠率
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2025-12-15
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图3-18 信用卡注销情况(不向年龄)
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2025-12-10
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图3-34 信用卡主要权益和优惠活动认知情况(年龄)
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2025-12-10
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图2-16 信用卡从申请到审批完成时长(机构)
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2025-12-10
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图3-39 “信用卡容时容差机制”的了解程度(城市)
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2025-12-10
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图3-134促使信用卡客户在一家银行办理储蓄卡的因素(收入)
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2025-12-10
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图2-33 信用卡产品正向满意度(年龄)
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2025-12-10
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图3-31 能接受的信用卡“最短免息期”(收入)
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2025-12-10
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图2-42信用卡申请过程中,最耗时/体验最差环节(收入)
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2025-12-10
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高净值人群首选银行,有望受益于中国居民财富升级。2022 年,中国高净值人群数量为 316 万,较 2020 年增加约 54 万,年复合增速有所放缓但仍有 10%左右。从财富规模看,2022 年中国高净值人群共持有 101 万亿人民币的可投资资产,2020-2022 年复合增速为 9%。根据胡润研究院《2025 胡润至尚优品—中国高净值人群品质生活报告》,招商银行连续多年稳居最受中国高净值人群最青睐的银行及信用卡第一名。招商银行作为国内领先的私人银行机构,凭借其成熟的财富管理体系,能够有效满足高净值客户需求。截至 2024 年末,招商银行金葵花及以上客户 527.57 万户,YoY+12.82%,金葵花及以上客户总资产余额 12.2 万亿元,YoY+15.43%, “准私行”客群基数庞大。尽管宏观经济增速有所放缓,但中国居民财富升级仍在进行时,是财富客户向私行客户跃迁的最直接受益者。
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招商银行-公司研究报告-深耕零售“因您而变”价值再造与日俱新-250331(29页).pdf
图表92024H1上市银行AUM及零售客户数
图表8中国和全球发达经济体家庭部门杠杆率对比
图表7居民金融资产结构
图表6中国个人持有可投资资产总体规模
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