China Minsheng Banking Corp., Ltd. Class A · SSE:600016
China Minsheng Banking Corp., Ltd. Class A — FY2021 Earnings Presentation
24 slides from China Minsheng Banking Corp., Ltd. Class A's earnings presentation, 2022
Slide 1: Progress Made While Maintaining Stable Performance
Progress Made While Maintaining Stable Performance Momentum Obtained by Consolidating Foundation
Slide 2: This presentation contains forward-looking statements that may involve risks and uncertainties. These statements are
This presentation contains forward-looking statements that may involve risks and uncertainties. These statements are generally indicated by the use of forward-looking terminology such as believe, expect, anticipate, estimate, plan, project, goal, may, will or other similar words that express indicat
Slide 3: 2021 Performance Review
Slide 4: Improved asset structure, consolidated liability structure
Improved asset structure Consolidated liability structure Optimised operating income structure Proportion of loans to total assets Proportion of deposits in total liabilities Retail business 2.7 pp 1.1 pp Proportion in total assets 2.5pp 25.6% Proportion in operating income 3.2pp 58.2% 59.3% 41.7% P
Slide 5: Reform measures and major achievements in 2021
<= —— and Reform measures and major achievements in 2021
Slide 6: Returned to banking business origins
Returned to banking business origins Increased proportions of Healthy and compliant deposits and loans investment business Steady increase in core liabilities Daily average Proportion of loans non-standard investments 2.7pp Daily average balance Increased for 5 of core liabilities RMB245.9 billion Y
Slide 7: Breakthroughs in retail business
Breakthroughs in retail business Positioning: Prioritising long-term and fundamental strategic businesses Unit: RMB 100 million Unit: RMB 100 million growth rate: 8.8% up by 1.51 pp growth rate:9.1% up by 1.61 pp 8,254.2 17,413.3 7,587.1 15,966.4 2020 2021 2020 2021 Scale Proportion Scale Proportion
Slide 8: Breakthroughs in retail business
Beakthroughs in retail business Positioning: Prioritising long-term and fundamental strategic businesses Unit:RMB 100 million Unit:RMB 100 million up by 12.9% up by 15.8% 2020 2021 2020 2021 AUM of new customers up by 18.8% *The growth took the lead among joint-stock commercial banks, the NPL ratio
Slide 9: Focused on high-quality development strategy
Focused on high-quality development strategy Supported “the strategy of building China into a manufacturer of quality”, focused on the replacement of old growth drivers of the manufacturing industry with new ones Balance of loans to the Balance of mid- to long-term loans Balance of credit loans to t
Slide 10: Proactively deployed carbon finance market
Focused on high-quality development strategy Proactively deployed carbon finance market Balance of green credit up by 103.8% to RMB 107.3 billion The first to engage the The first carbon Supported customers to issue green bonds "National Carbon neutrality asset- Trading Registration backed bills in
Slide 11: Supported common prosperity
Supported common prosperity Supported small Expanded wealth businesses management Focused on “agriculture, Scale of wealth Balance of loans to small rural areas and farmers” management products businesses exceeded exceeded RMB 600 billion Balance of RMB loans related to agriculture, RMB 1 trillion 1
Slide 12: Effective corporate customers
Effective corporate Retail small business Effective and above retail customers financial assets customers Unit: 10 thousand Unit: 10 thousand Unit: RMB 100 up by 9.6% accounts up by 18.4% accounts up by 21.4% million 2.8 times of the 3.1 times of the previous year previous year 2020 2021 2020 2021 2
Slide 13: Ecosystem of strategic customer group
Institutional platform Ecosystem of strategic customer group ecosystem Brought over 15 Brought 135 thousand new thousand upstream Families personal customers and downstream customers 425.6 thousand newly issued co-branded credit cards Employees Finance and Government Upstream A Downstream a social s
Slide 14: Small business customers
Online and offline Cumulative loans placed Small Effective small business exceeded RMB 5 trillion business customers exceeded 1,460 customers since 2008 thousand in 2021 Dual channels of Scenario and personal + supply chain- corporate based customer acquisition
Slide 15: Retail customers
Retail customers Retail online platform Housing Travel Number of Unit: 10 thousand Number of Unit: 10 thousand accounts monthly active accounts users users up by up by 21.9 % Food Transport Entertainment 13.6 % ation Clothing Shopping 2020 2021 2020 2021 Daily Life App Community sub- Properties Car
Slide 16: Financial institution customers
Financial institution customers Publicly offered funds under custody: RMB 1.1 trillion, up by 45% Transaction volume of Sold China's first structured deposit product tied to online treasury business ESG-themed indices registered users 941,680 RMB 2,300 million E-Interbank + Shanghai Gold Exchange To
Slide 17: Customised products
Customised products Financial ecosystem Green finance SME customer group Inclusive small business projects finance Comprehensive services of “Carbon Peak and Carbon “commercial banking + investment Neutral”product series focused on banking” for customer groups including four major demands of investm
Slide 18: More distinctive customer services
Star credit cards Remote banking More distinctive customer services Daily average number of customer Visa Olympic Card, served by remote and telephone Culture-Themed Card, banking: 42 thousand, customer Minsheng Yangtze River satisfaction continued to take the Delta Exclusive UnionPay lead. Digital
Slide 19: Optimised risk preference; reduced formation of non-performing assets
Optimised risk preference Reduced formation of non- performing assets The Mesoscopic Concentration Risk and Portfolio Limit Management Project of China Tightened loan classification Strengthened post-loan Minsheng Bank won management “China Regulatory Technology Implementation” Award Strengthened di
Slide 20: Continuously optimised asset quality indicators
Continuously optimised asset quality indicators, significantly improved retail loan quality NPL ratio Unit：% Allowance to NPLs Unit：% Allowance-to-loan ratio Unit：% 0.03 pp 5.92 pp 0.07 pp 1.82 145.30 2.60 142.87 2.57 1.80 1.79 139.38 2.53 2020/12/31 2021/6/30 2021/12/31 2020/12/31 2021/6/30 2021/12
Slide 21: Financial assistance, paired assistance and public welfare
Financial Set up 29 rural banks, with loan balance of RMB 24,451 million. Financial assistance covered assistance over 500 villages, districts and streets. Paired Provided RMB 36.03 million free assistance funds, directly purchased RMB 30.24 million agricultural products, assistance and helped sell
Slide 22: Outlook for 2022
Slide 23: Four major challenges, six major measures
Consolidating Narrowing foundations Effectively improving interest margin product and service capabilities Expanding Adjusting Uncertainties in customer base structure Continuously macro refining customer Comprehensively optimising asset economy group management and liability Four major Six major st
Slide 24: Eco-partner for strategic customers
Host bank for Wealth management Eco-partner for medium, small and butler for retail strategic customers micro customers customers • Strengthening business with • Making breakthroughs in customer • Expanding business with segmented strategic customers acquisition models customer groups • Expanding bu
China Minsheng Banking — FY2021 Earnings Presentation on 6ix