China Minsheng Banking Corp., Ltd. Class A · SSE:600016
China Minsheng Banking Corp., Ltd. Class A — Q3 2014 Earnings Presentation
18 slides from China Minsheng Banking Corp., Ltd. Class A's earnings presentation, October 2014
Slide 1: China Minsheng Banking Corp., Ltd. Q3 2014 Results Announcement
China Minsheng Banking Corp., Ltd. Q3 2014 Results Announcement October 2014
Slide 2: Disclaimer
Disclaimer This presentation contains forward-looking statements that involve risks and uncertainties. These statements are generally indicated by the use of forward- looking terminology such as believe, expect, anticipate, estimate, plan, project, target, may, will or other similar words that expre
Slide 3: Agenda
Agenda 1 Business overview 2 Financial performance 3 Outlook 2
Slide 4: Business overview
Business overview During the first three quarters in 2014, we took proactive measures in response to the adjustment and changes in macro-economic environment and regulatory policies and focused on strategic positioning. We pushed forward our business steadily, kept our asset quality generally under
Slide 5: Corporate banking – Consolidating existing customer base and enlarging scale of financial assets
Corporate banking – Consolidating existing customer base and enlarging scale of financial assets We took initiatives to respond to changes in the economic and financial environment to strengthen the reform of SBUs and corporate banking business development of our branches. We also strengthened our r
Slide 6: Retail banking — Continued to deepen small business finance and community finance activities
Retail banking — Continued to deepen small business finance and community finance activities In line with the steady expansion in scale, our retail banking segment continued to develop its strategic business by deepening the execution of small business finance and community finance strategy. We cont
Slide 7: Retail banking and private banking businesses continued to expand
Retail banking and private banking businesses continued to expand "Best Domestic Private Banking Performance" , 2013 Outstanding Equity and Venture , 2013 " Gold Medal Services for the Year” 2013 ——Hurun Report Capital Award in China for 2013 —— Financial Money —— The Investment Association of China
Slide 8: Agenda
Agenda 1 Business overview 2 Financial performance 3 Outlook 7
Slide 9: Overview of key financial indicators
Overview of key financial indicators Income statement highlights (RMB million, except per share Jan-Sep Jan-Sep Balance sheet highlights 31 Dec data) 2014 2013 Growth(%) (RMB million) 30 Sep 2014 2013 Growth(%) Operating income 99,916 85,975 16.22 Total assets 3,769,341 3,226,210 16.83 Of which:
Slide 10: Profitability
Profitability The Group maintained good profitability in Q3 2014. Earnings per share grew steadily, and operating efficiency was further improved Profit before tax Net profit attributable to equity shareholders of the Bank (RMB million) (RMB million) 60,000 40,000 36,778 49,349 33,314 45,082 30,000
Slide 11: Net interest income
Net interest income The Y-o-Y increase in NIM drove the growth in net interest income NIM1 Net interest income (RMB million) 3.00% 80,000 2.61% 70,000 67,405 2.50% 2.38% 60,589 60,000 2.00% 50,000 1.50% 40,000 30,000 1.00% 20,000 0.50% 10,000 0.00% 0 Jan-Sep 2013 Jan-Sep 2014 Jan-Sep 2013 Jan-Sep 20
Slide 12: Net non-interest income
Net non-interest income Net non-interest income and net fee and commission income continued to grow rapidly Net non-interest income Net fee and commission income (RMB million) (RMB million) % of operating 29.53% 32.54% % of operating 26.74% 27.83% income income 35,000 30,000 32,511 27,810 30,000 25,
Slide 13: Deposit and loan portfolios
Deposit and loan portfolios The balance of deposits and loans continued to grow steadily. The deposit mix and loan mix remained stable Deposits from customers Gross balance of loans and advances to customers (RMB million) (RMB million) 3,000,000 2,000,000 1,750,969 2,397,690 1,574,263 2,500,000 2,14
Slide 14: Asset quality
Asset quality Comprehensive risk management system has been fully implemented to ensure the stability of asset quality Proactive measures to control asset quality Non-performing loan ratio Enhancing credit planning, proactively adjusting loan distribution, and continuously optimizing asset structu
Slide 15: Capital adequacy ratio
Capital adequacy ratio All capital adequacy indicators of the Group have met the regulatory requirements for the transition period under the new measures issued by the CBRC, while total equity to total assets ratio further increased Core tier-one capital adequacy ratio1 Tier-one capital adequacy rat
Slide 16: Agenda
Agenda 1 Business overview 2 Financial performance 3 Outlook 15
Slide 17: Q4 2014 Outlook
Q4 2014 Outlook In Q4 2014, in order to fully realize the objectives in the “New Three-Year Plan”, our Group will strive to ensure sustainable development across all businesses and achieve the “Second Take-off”. We will endeavor to position ourselves as the best commercial bank in China with core co
Slide 18: Q&A
Q&A 17
China Minsheng Banking — Q3 2014 Earnings Presentation on 6ix