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1、,招商银行转型之路,目录,招 商 银 行 简 介,招 商 银 行 产 品 与 服 务,招 商 银 行 第 一 次 转 型,招 商 银 行 第 二 次 转 型,Add Your Text in here,招 商 银 行 简 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。,招 商 银 行 产 品 与 服 务,从1995年7月发行的“一卡通”是招商银行向社会大众提供的、以真实姓名开
2、户的个人理财基本账户,它集定活期、多储种、多币种、多功能于一卡,具有 “安全、快捷、方便、灵活”的特点。,“金葵花”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。,继2002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。,产品 与服务,1995年初,1998年,2005年,总行成立储蓄信用卡部, “一卡通”就是由此发展起来。,总行设立个人银行部,零售银行部,Reality,Identity,Creativity,向零售银行转型的浪潮中,历
3、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。,招 商 银 行第 一 次 转 型 2003年,以“调整结构”为主旨,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。 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。 一次转型通过借助互联网、IPO以及并购,成功完成了向
4、零售银行的转型,为招行发展奠定了很好的基础。,招 商 银 行第 二 次 转 型 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,招 商 银 行第 二 次 转 型,2009年中,招行的半年报显示:,净利润同比下降37.6,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,日益高涨的理财需求,原有理财产品、服务,Wed2.0技术,80后,一站式 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 商 银
5、行第 二 次 转 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向的、仅以交易为主的缺陷。,Diagram,Description of the contents,Title in here,Title in here,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Before,After,ThemeGallery is a Design Digital Content & Contents mall
6、 developed by Guild Design Inc.,Description of the contents,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Click to edit title style,2. Describe contents for a Chart Description of the companys sub contents Description of the companys sub contents,1. Describe
7、 contents for a Chart Description of the companys sub contents Description of the companys sub contents,Chart Title in here,2003,2004,2005,2006,30,50,70,120,Diagram,- ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,- ThemeGallery is a Design Digital Content &
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9、Description of the business,1. Description of the business,2. Description of the business,3. Description of the business,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Click to edit title style,Click to add Title,ThemeGallery is a Design Digital Content & Con
10、tents mall developed by Guild Design Inc.,Click to add Title,Click to add Title,“A title about content”, Description of the contents ,Click to add Text,Click to add Text,Click to edit title style,Contents01,Contents02,Contents03,Contents04,Contents05,Contents06,0% 20% 40% 60% 80% 100%,18.5%,17.5%,8.
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16、pany 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.,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Click to edit title style,Co
17、ntents,Contents,Contents,Contents,ThemeGallery 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 Text,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Click to add Text
18、Click to add Text Click to add Text,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Click to add Text,Diagram,Step 1,Step 2,Step 3,1.Describe contents for a Step1 - Description of the sub contents - Description of the sub contents 2.Describe contents for a Ste
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20、emeGallery 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.,A Group,C Group,B Group,Click to edit title style,Level 1,Level 2,Level 3,Level 4,Level 5,Description of the contents,Descript
21、ion of the contents,Description of the contents,Description of the contents,Description of the contents,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Click to edit title style,2004,Text,Text,Text,2005,2006,Text in here,Text in here,Text in here,Text in here,
22、Text in here,Text in here,Click to edit title style,Text in here,Title in here,Text in here,Text in here,2003,2004,2005,2006,Description of the contents Description of the contents,Description of the contents Description of the contents,Description of the contents Description of the contents,Descrip
23、tion of the contents Description of the contents,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Click to edit title style,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Contents,Contents,Contents,Contents,Diagram,Describe 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 here,Title in here,Title in here,ThemeGallery is a Design Digital Content & Contents mall developed by Guild Design Inc.,Diag
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