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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，历来把零
3、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，成功完成了向零售银行的
4、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 行第 二 次
5、 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 developed
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