{"slug":"china-merchants-bank","name":"초상은행","name_en":"China Merchants Bank","ticker":"3968.HK","updated_at":"2026-07-11T10:21:25.739+00:00","canonical":"https://valuechain.wiki/china-merchants-bank","kicker":"항셍 지수","kicker_en":"Hang Seng Index","lead":"중국 대표 주식제 상업은행으로 소매금융과 프리미엄 뱅킹, 신용카드 사업에서 강점을 가진 은행이다. 항셍 지수 구성종목. 밸류체인 관계·수치 데이터는 조사 전인 기본 노드로, AI 질문 수요가 관측되면 상세 노드로 승격된다.","lead_en":"A leading Chinese joint-stock commercial bank known for strength in retail banking, wealth management, and credit cards. Hang Seng Index constituent. Baseline node ahead of value-chain research; promoted to a full node once AI question demand is observed.","segments":{"parts":[{"name":"소매금융"},{"name":"도매(기업)금융"},{"name":"자금업무"}],"total":"약 ¥3,391억 (FY2023, 영업수익)"},"segments_en":{"parts":[{"name":"Retail finance"},{"name":"Wholesale finance"},{"name":"Treasury business"}],"total":"approx. CN¥339.1B (FY2023, operating income)"},"returns_yearly":{"2021":11.9,"2022":-19,"2023":-40.9,"2024":59.4,"2025":19,"2026":-2},"return_asof":"2026-07-10","value_chain":{"leading":[],"benefiting":[],"analysis":null,"analysis_en":null,"analysis_asof":null},"edges":[]}