China Minsheng Banking Corp., Ltd. Class A · SSE:600016
China Minsheng Banking Corp., Ltd. Class A — H1 2021 Earnings Presentation
23 slides from China Minsheng Banking Corp., Ltd. Class A's earnings presentation, 2021
Slide 1: Achieving Steady Success with Concerted Efforts: 2021 Interim Results Announcement
Achieving Steady Success with Concerted Efforts 2021 Interim Results Announcement
Slide 2: 01 Development Goal & Strategic Positioning
Contents pe PE reste (5 Key Works & Performance Review
Slide 3: Contents
Slide 4: One Main Line, Three Major Drivers, Four Focuses
• High quality and sustainable development One Main Line A bank for the NSOEs An agile and open bank Three A bank with Four considerate services Major Drivers Focuses • Consolidated retail finance • Expanded medium, small and micro business • Digital transformation • financeEnhanced corporate financ
Slide 5: 02 Key Works & Performance Review
Slide 6: Operating income, profit and net profit
Operating income Profit before allowance Net profit attributable to holders of the Group of the Group of equity shares of the Bank 981.08 Unit: 100 million 868.43 877.75 761.00 659.84 552.22 284.53 265.56 58.56 Operating income Profit before allowance Net profit attributable to holders of equity sha
Slide 7: Corporate customers and strategic customer group
Corporate Strategic customer Users of corporate customers group online platform 3.3% 14.5% 6.3% 13.1% 4.2% 15.0% Basic customer group：Stayed customer-centric, focused on Strategic customer group：Launched “head office-to-head customer’s journey, improved customer service experiences office” marketing
Slide 8: Retail customer acquisition: internal growth and external scenarios
2.6% 5.8% 6.1% 14.8% 4.9% 5.8% 28.0% Customer acquisition based on “internal growth” of Customer acquisition based on “external traditional finance scenarios expansion” of external ecological scenarios •Increased number of new customers referred by existing customers through •Expanded businesses in
Slide 9: Total Loans
4.2% Total Loans 5.2% 9.4% 8.6% * Information of the Bank 15% 7.6% * Information of the Bank 6.4% 1.1% * RMB
Slide 10: Total Deposits
2.0% Total Deposits 73.9% * Information of the Bank 10.4% 7.6% * Information of the Bank 9.0% 8.7% * Information of the Bank 9.8% * RMB
Slide 11: Net interest income and net interest margin
Net interest income: 65,753million，net interest margin:2.02% Return rate of interest- Cost rate of interest-bearing earning assets 4.33% liabilities 2.40% 2020H1 Proportion of daily average 2020H1 Proportion of daily average loans60.4% deposits: 59.4% up by 1.6 percentage points YoY up by 0.6 percen
Slide 12: Total fee and commission income
Income from fees for agency business up by 11.9%, income from fees for retail wealth management up by 9.4% * Information of the Bank 2020H1 2021H1 Income from bank card service fees Income from bank card service fees Income from fees for agency business Income from fees for agency business Income fr
Slide 13: Asset quality: NPL ratio and allowance
Allowance provisioned Allowance consumed * RMB Allowance to NPLs Proportion of domestic corporate 3.49 percentage points loans to customers with high ratings 1.7 percentage points Proportion of *Information of the Bank special-mentioned loans Allowance to total loans 0.12 percentage 0.04 percentage
Slide 14: Retail NPL ratio and special-mentioned loans
Retail NPL ratio 2020H1 2020A 2021H1 0.33 percentage points Proportion of retail special-mentioned loans Small business 0.22 percentage loans Mortgage loans Credit card Other retail loans points
Slide 15: Capital adequacy ratios
13.43% 0.39 percentage points 10.31% 0.5 percentage points 8.52% 0.01 percentage points Core tier-one Tier-one Capital adequacy capital capital ratio
Slide 16: Blockchain-Based Platforms
Blockchain-Based Open Blockchain-Based Electronic Blockchain-Based Trade Service Platform Certificate Platform Finance Platform Satisfied the external demands of blockchain-based Connected with Beijing Internet Court, Fangyuan Notary Jointly developed with the Bank of China and China industrial coop
Slide 17: Green Finance, Rural Finance, Inclusive Finance
Green Finance Rural Finance Inclusive Finance Accelerated technology empowerment to Introduced series of green finance products of “Carbon Peak and advance digital finance and build up Inclusive small business loans innovative service system for agriculture, Carbon Neutral” 8.4% rural areas and farm
Slide 18: Saeae
Saeae
Slide 19: Digital marketing, risk control and operation
Digital marketing Online app ecosystem Digital risk control Offline network ecosystem Digital operation Retail Finance Strategic customer cooperation ecosystem Digital management
Slide 20: Medium and Small Business Finance
Integrated chain-oriented development Customer acquisition Scenario-based batch development Enhancing basic products Medium and Service Innovating credit loans Small Business Finance Improving commercial banking service system To become the host bank for medium, small and for sci-tech innovation ent
Slide 21: Corporate finance: key industries and customer acquisition
Large Infrastructure Advanced manufacturing Fiscal social Green finance industry security Strategic emerging Culture, tourism Liquors industries and tobacco Big consumption Automobiles Education and healthcare Through: Chain-oriented customer acquisition, Through: Coordinated marketing, corporate-pr
Slide 22: Improving product offerings and building service platforms
Improving product offerings Strengthening industry researches Implementing green development philosophy Building service platforms Integrating customer demands Improving organisational management process Expanding touch points of scenarios Designing financing plans Creating distinctive products and
Slide 23: Financial markets: objective and core strategy
Light capital Low leverage Optimised structure Objective High return All-Round customer marketing Full-spectrum product supply Core strategy Full-caliber asset coordination Whole-market asset allocation Centre
China Minsheng Banking — H1 2021 Earnings Presentation on 6ix