China Minsheng Banking Corp., Ltd. Class A · SSE:600016
China Minsheng Banking Corp., Ltd. Class A — H1 2015 Earnings Presentation
21 slides from China Minsheng Banking Corp., Ltd. Class A's earnings presentation, August 2015
Slide 1: China Minsheng Banking Corp., Ltd. 2015 Interim Results Announcement
China Minsheng Banking Corp., Ltd. 2015 Interim Results Announcement Aug 2015
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 Overview 2 Operational performance 3 Outlook and Phoenix Project 2
Slide 4: Continuously strong profitability and stable return to shareholders
Continuously strong profitability and stable return to shareholders Net profit attributable to equity shareholders of the bank ROAE (annualized) (RMB million) 30,000 25,570 26,778 30.00% 24.36% 20.58% 20,000 20.00% 10,000 10.00% 0 0.00% 1H 2014 1H 2015 1H 2014 1H 2015 Basic earnings per share ROAA (
Slide 5: Steady development of assets and liabilities businesses and further improvement in business structure
Steady development of assets and liabilities businesses and further improvement in business structure Total balance of loans and advances to customers Deposits from customers (RMB million) (RMB million) 2,500,000 3,000,000 2,632,680 1,949,336 2,433,810 2,000,000 1,812,666 2,000,000 1,500,000 1,000,0
Slide 6: The Phoenix Project—Forging differentiated business edge and improving operating efficiency
The Phoenix Project—Forging differentiated business edge and improving operating efficiency Operating income Net non-interest income (RMB million) (RMB million) 100,000 40,000 76,612 29,618 80,000 64,952 30,000 60,000 21,352 20,000 40,000 10,000 20,000 0 0 1H 2014 1H 2015 1H 2014 1H 2015 Cost-to-inc
Slide 7: The Phoenix Project—Enhancing comprehensive risk management
The Phoenix Project—Enhancing comprehensive risk management Core tier-one capital adequacy Capital adequacy ratio1 Impaired loans ratio ratio1 12.00% 15.00% 1.50% 1.36% 9.15% 11.57% 1.17% 8.58% 12.00% 10.69% 9.00% 1.00% 9.00% 6.00% 6.00% 0.50% 3.00% 3.00% 0.00% 0.00% 0.00% 31 Dec 30 Jun 31 Dec 30 Ju
Slide 8: The Phoenix Project—Optimizing asset-liability and liquidity management and strengthening pricing ability
The Phoenix Project—Optimizing asset-liability and liquidity management and strengthening pricing ability Loan-to-deposit ratio1 Leverage ratio2 100.00% 6.00% 5.40% 5.02% 69.88% 69.91% <75%(benchmark) 4.00% 50.00% 2.00% 0.00% 0.00% 31 Dec 2014 30 Jun 2015 31 Dec 2014 30 Jun 2015 Liquidity ratios1 Ne
Slide 9: The Phoenix Project—Promoting internet finance innovation and reinforcing info-tech capability
The Phoenix Project—Promoting internet finance innovation and reinforcing info-tech capability Number of personal online banking customers and Number of corporate online banking customers and individual mobile banking customers1 corporate mobile banking customers1 (in thousands) (in thousands) 20,00
Slide 10: Brand influence remained strong
Brand influence remained strong Euromoney Gold-Shell Award "The Best Trade Finance Bank in China" "2015 Best Mobile Bank" The Asian Banker Hurun Report "The Best Trade Finance Bank for Small and Medium- "Best Performance for the Year" in the field sized Enterprises in China" of private banking 2015
Slide 11: Agenda
Agenda 1 Overview 2 Operational performance 3 Outlook and Phoenix Project 10
Slide 12: Corporate banking adhered to the strategic orientation and maintained strong competitiveness
Corporate banking adhered to the strategic orientation and maintained strong competitiveness Corporate deposits and loans (general outstanding Balance of deposits and loans of industry SBUs1, 2 (general corporate loans) 1 outstanding corporate loans) (RMB million) (RMB million) 160,000 3,000,000 121
Slide 13: Retail banking transformation accelerated, and resource allocation optimized
Retail banking transformation accelerated, and resource allocation optimized Personal deposits and loans and advances Financial assets of individual customer under management1 (RMB million) (RMB million) 1,000,000 1,500,000 710,411 1,073,023 1,095,882 800,000 654,681 539,173 552,031 1,000,000 600,00
Slide 14: Small business finance and community finance continued to expand, along with healthy growth of credit card
Small business finance and community finance continued to expand, along with healthy growth of credit card Balance of financial assets under community finance Number of small business customers1 projects1 (in thousands) (RMB million) 150,000 128,095 4,000 3,443 2,912 3,000 100,000 75,623 2,000 50,00
Slide 15: Treasury business developed prosperously
Treasury business developed prosperously Asset custody business (including Existing scale of wealth management Precious metals total trading value1 safekeeping)1 products1 (RMB million) (RMB million) (RMB million) 199,330 4,000,000 3,753,342 800,000 200,000 663,851 2,984,041 3,000,000 600,000 150,00
Slide 16: E-banking grew rapidly
E-banking grew rapidly Personal online banking transaction turnover and Total personal online payment transactions of the year1 individual mobile banking transaction turnover1 (RMB trillion) (RMB million) 150,000 131,631 7.00 6.54 116,625 120,000 6.00 4.91 5.00 90,000 4.00 2.77 3.00 60,000 2.00 1.22
Slide 17: Agenda
Agenda 1 Overview 2 Operational performance 3 Outlook and Phoenix Project 16
Slide 18: 2H 2015 Outlook
2H 2015 Outlook In the second half of 2015, the Company will focus on the implementation of the Phoenix Project by further enhancing strategies, optimizing business models and management system, responding effectively to the liberalization of interest rate, infrastructural construction, revitalizing
Slide 19: Full implementation of the Phoenix Project
Full implementation of the Phoenix Project Three major reform measures Seven major transformation objectives Corporate banking business: launches reform of the major SBUs, eliminates business boundaries, strengthens resource coordination, establishes a customer service system based on hierarchical
Slide 20: Appendix: Overview of key financial indicators
Appendix: Overview of key financial indicators Income statement highlights Growth rate Balance sheet highlights 30 Jun 31 Dec Growth rate (RMB million, except per share data) 1H2015 1H2014 （%） (RMB million) 2015 2014 （%） Operating income 76,612 64,952 17.95 Total assets 4,301,073 4,015,136 7.12
Slide 21: Q&A
Q&A 20
China Minsheng Banking — H1 2015 Earnings Presentation on 6ix