LOGO;.招商银行转型之路招商银行转型之路招商银行转型之路招商银行转型之路1目录目录招招 商商 银银 行行 简简 介介 招招 商商 银银 行行 产产 品品 与与 服服 务务招招 商商 银银 行行 第第 一一 次次 转转 型型招招 商商 银银 行行 第第 二二 次次 转转 型型Add Your Text in here2招招 商商 银银 行行 简简 介介 成立于1987年4月8日，是中国第一家完全由企业法人持股的股份制商业银行，总行设在深圳。自成立以来，招商银行先后进行了四次增资扩股，并于2002年3月成功地发行了15亿普通股，4月9日在上交所挂牌（股票代码：600036），是国内第一家采用国际会计标准的上市公司。3招招 商商 银银 行行 产产 品品 与与 服服 务务从从1995年年7月发行的月发行的“一卡通一卡通”是招商银行是招商银行向社会大众提供的、以真实姓名开户的个向社会大众提供的、以真实姓名开户的个人理财基本账户，它集定活期、多储种、人理财基本账户，它集定活期、多储种、多币种、多功能于一卡，具有多币种、多功能于一卡，具有 “安全、快安全、快捷、方便、灵活捷、方便、灵活”的特点。的特点。“金葵花金葵花”理财是招商银行面向个人高端理财是招商银行面向个人高端客户提供的高品质、个性化综合理财服务客户提供的高品质、个性化综合理财服务体系，涵盖负债、资产、中间业务及理财体系，涵盖负债、资产、中间业务及理财顾问等全方位金融服务。顾问等全方位金融服务。继继2002年率先在国内发行国际标准信用卡年率先在国内发行国际标准信用卡之后，招商银行先后推出了粉丝卡、航空之后，招商银行先后推出了粉丝卡、航空卡、百货卡、商务卡、白金卡、无限卡等卡、百货卡、商务卡、白金卡、无限卡等创新特色产品，广受市场好评。创新特色产品，广受市场好评。产品产品与服务与服务41995年初年初1998年年2005年年 总行成立储蓄信用卡部，总行成立储蓄信用卡部， “一一卡通卡通”就是由此发展起来。就是由此发展起来。总行设立个人银行部总行设立个人银行部 零售银行部零售银行部 RealityIdentityCreativity向零售银行转型的浪潮中，历来把零售业务做得让同业推崇的招商银行，希望在未来35年间将其零售业务比例提高到40%这是到目前为止国内银行业务转型所公开提出的最高目标。招行的零售业务从机构的角度看经历了3次变迁。 5招招 商商 银银 行第行第 一一 次次 转转 型型 20032003年，以年，以“调整结构调整结构”为主旨为主旨v盈利增长远远超过总资本的增长，不良率迅速下降，08年的时候，美国的波士顿咨询公司把招行评为净资产收益率全球银行之首。v招行第一次转型是比较成功的，并发展成为业界公认的“最佳零售银行”，零售业务已经占整个业务35%，中小企业已经占业务50%，我们的非利差收入，就是中间收入占整个收入的22%左右。v一次转型通过借助互联网、IPO以及并购，成功完成了向零售银行的转型，为招行发展奠定了很好的基础。零售业务中间业务中小企业业务三大业务目标6招招 商商 银银 行第行第 二二 次次 转转 型型 以较低的资本消耗获得较高的回报率以较低的资本消耗获得较高的回报率实现资本回报的最大化降低资本消耗在加强风险控制的前提下降低成本提高定价能力7招招 商商 银银 行第行第 二二 次次 转转 型型v2009年中，招行的半年报显示：净净利利润润同同比比下下降降3 37 7. .6 6下降幅度居于国内14家上市银行前列同行竞争压力股东的压力金融危机的深化监管机构对于银行的资本约束和风险管理方面越发严格8日益高涨的理财需求原有理财产品、服务Wed2.0技术80后后一站式一站式服务服务招行的零售部门按照二次转型目标，推出了以资源整合、统一平台为主旨的“I理财”互动网银平台。招招 商商 银银 行第行第 二二 次次 转转 型型以资源整合、统一平台为主旨的“I理财”互动网银平台解决了专业理财网站无法买卖产品的问题，又解决了传统网银单解决了专业理财网站无法买卖产品的问题，又解决了传统网银单向的、仅以交易为主的缺陷。向的、仅以交易为主的缺陷。 9DiagramDescription of the contentsTitle in hereTitle in hereTitle in hereTitle in hereThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.BeforeBeforeAfterAfterv ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.Description of the contentsThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.10Click to edit title style2. Describe contents for a Chart Description of the companys sub contents Description of the companys sub contents1. Describe contents for a Chart Description of the companys sub contents Description of the companys sub contentsChart Title in here200320042005200630507012011Diagram- ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.- ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.- ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.Description of the companys sub contentsDescription of the companys sub contentsDescription of the companys sub contents12DiagramTextTextTextTextText4. Description of the business5. Description of the business1. Description of the business2. Description of the business3. Description of the businessThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.13Click to edit title styleClick to add TitleThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.Click to add TitleClick to add Title“ “A title about content”A title about content” Description of the contents Description of the contents Click to add TextClick to add Text14Click to edit title styleContents01Contents02Contents03Contents04Contents05Contents060% 20% 40% 60% 80% 100% 18.5%17.5%8.7%23.6%63.6%84.3%ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.15DiagramDescription of the contentsDescription of the contentsDescription of the contentsThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.200420052006 ContentsThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.16Click to edit title style Title in hereTitle in hereDescription of the contentsText in hereText in hereDescription of the contentsDescription of the contentsDescription of the contentsDescription of the contents1. 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Title* Description of the contents* Description of the contents17Diagram Content Title Description of the contents Description of the contents Content Title Content Title Description of the contents Description of the contents Description of the contents Description of the contents ContentsThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.18Click to edit title styleClick to add TextClick to add TextClick to add TextClick to add TextClick to add TextTitle in hereTitle in hereTitle in hereText in hereText in hereText in hereDescribe a vision of company or strategic Describe a vision of company or strategic contents.contents.Click to add TextClick to add TextClick to add TextClick to add TextClick to add TextClick to add TextClick to add TextClick to add TextClick to add Text19DiagramDescribe a vision of company or strategic contents.Describe a vision of company or strategic contents.Describe a vision of company or strategic contents.Describe a vision of company or strategic contents.Describe a vision of company or strategic contents.v ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.20Click to edit title styleContentsContentsContentsContentsThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.- Click to add Text- Click to add Text- Click to add Text- Click to add TextThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.- Click to add Text- Click to add Text- Click to add TextThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.Click to add Text21DiagramStep 1Step 2Step 3Title in hereText inhereTitle in hereText inhereTitle in hereText inhere1.Describe contents for a Step1 - Description of the sub contents - Description of the sub contents2.Describe contents for a Step2 - Description of the sub contents - Description of the sub contents3.Describe contents for a Step3 - Description of the sub contents - Description of the sub contentsText in here22Click to edit title styleThemeGallery is a Design Digital Content & Contents mall developedby Guild Design Inc.ThemeGallery is a Design Digital Content & Contents mall developedby Guild Design Inc.ThemeGallery is a Design Digital Content & Contents mall developedby Guild Design Inc.A GroupC GroupB Group23Click to edit title styleLevel 1Level 2Level 3Level 4Level 5 Description of the contents Description of the contents Description of the contents Description of the contents Description of the contentsv ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.24Click to edit title style2004TextTextText20052006Text in hereText in hereText in hereText in hereText in hereText in here25Click to edit title styleText in hereTitle in hereTitle in hereText in hereText in here2003200420052006 Description of the contents Description of the contents Description of the contents Description of the contents Description of the contents Description of the contents Description of the contents Description of the contentsv ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.26Click to edit title styleThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.ContentsContentsContentsContents27DiagramDescribe a vision of company or strategic contents.Describe a vision of company or strategic contents.Describe a vision of company or strategic contents.Title in hereTitle in hereTitle in hereTitle in hereTitle in hereTitle in hereThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.28DiagramThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.A title about contentDescribe a vision of company or strategic contents.29DiagramPlease write down of contents explanation for Business Area.Business AreaBusiness AreaBusiness AreaBusiness AreaPlease write down of contents explanation for Business Area.Please write down of contents explanation for Business Area.Please write down of contents explanation for Business Area.Please write down of contents explanation for Business Area.30DiagramTitleTitleTitleDescription of the companys productsDescription of the companys technologyDescription of the companys contents ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.31LOGO;.Add your company slogan32