Founded in 1987, the joint-stock commercial bank in China, which is wholly owned by corporate legal persons, and the pilot bank that promotes banking reform from outside the system, has launched the ATM "face withdrawal" service, which is a commercial bank with great brand influence

Founded in 1987 in Shekou, Shenzhen, the forefront of China's reform and opening up, China Merchants Bank is a joint-stock commercial bank in China that is wholly owned by corporate legal persons, and is also a pilot bank for the state to promote banking reform from outside the system. Since its establishment, China Merchants Bank has created dozens of firsts in China's banking industry: it has innovatively launched the landmark domestic debit card based on customer number management - "all-in-one card"; Internet banking in the true sense of the word - "One Net", the first international standard dual-currency credit card; Wealth management products for high-end customers - "Golden Sunflower Wealth Management"; Launched the banking robo-advisory product "Capricorn Intelligent Investment", which has exceeded 10 billion yuan at present, creating a new model of integrated services of "man and machine" and "online and offline" in the field of wealth management in China. In the domestic banking industry, it has launched offshore business, buyer's credit, domestic letter of credit business, enterprise annuity business, cash management business, bank-customs business, corporate wealth management and online acceptance bill business. Since its establishment 31 years ago, China Merchants Bank has always adhered to the business service concept of "changing because of you", and its brand awareness has been increasing day by day. By the end of 2017, China Merchants Bank had more than 1,800 domestic and overseas branches, set up service outlets in more than 130 cities in Chinese mainland, had 6 overseas branches and 3 overseas representative offices, and employed more than 70,000 people. In addition, China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd., holds a controlling stake in China Merchants Fund Management Co., Ltd., holds 50% equity interest in China Merchants Cigna Life Insurance Co., Ltd., and 50% equity interest in Zhaolian Consumer Finance Co., Ltd.; Wing Lung Bank Limited and CMB International Financial Holdings Limited, wholly owned in Hong Kong, is a banking group with financial licenses in commercial banking, financial leasing, fund management, life insurance, overseas investment banking and other financial licenses. In recent years, China Merchants Bank has continued to promote the construction of a "light bank", achieving a dynamic and balanced development of "quality, efficiency and scale", with a safer structure, more distinctive characteristics and a clearer model. In 2017, China Merchants Bank's asset scale grew steadily, its profitability remained strong, and its profit growth rate ranked among the top in the industry. The balance of non-performing loans and the ratio of non-performing loans both declined, and the asset quality stabilized and improved. Facing the future, China Merchants Bank proposes a new positioning of "Fintech Bank", closely focusing on customer needs, deeply integrating technology and business, driving business agility with technological agility and creating the best customer experience.