China Minsheng Banking Corp., Ltd. Class A · SSE:600016
China Minsheng Banking Corp., Ltd. Class A — Q3 2011 Earnings Presentation
11 slides from China Minsheng Banking Corp., Ltd. Class A's earnings presentation, October 2011
Slide 1: China Minsheng Banking Corp., Ltd 2011 Q3 Results Announcement
Strictly confidential China Minsheng Banking Corp., Ltd 2011 Q3 Results Announcement October 2011
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: Overall results overview
Overall results overview In Q1-Q3 2011，the Group steadily progressed with strategic transformation and structural adjustments, resulting in satisfactory operating results 1 Continued rise in profitability and ongoing optimization of income structure ♦ Net profit attributed to equity holders of the b
Slide 4: Overview of key financials
Overview of key financials Key data from income statement (RM B million) Jan- Sep 2010 Jan-Sep 2011 Grow th (% ) Net interest income 33,021 46,704 41.44 Net non-interest income 7,020 13,512 92.48 Inc: Net fee and commission income 6,456 11,794 82.68 Operating income 40,041 60,216 50.39 Net profit at
Slide 5: Overview of key financials
Overview of key financials Key profitability indicators（%） Jan-Sep 2010 Jan-Sep 2011 Change (% ) NIM 2.93 3.04 0.11 Cost-to-income ratio 37.71 34.88 (2.83) ROAA (annualized) 1.09 1.46 0.37 Weighted ROAE (annualized) 18.40 25.05 6.65 Key assets quality indicators (% ) 31 Dec 2010 30 Sep 2011 Change (
Slide 6: Continued rapid growth of net interest income
Continued rapid growth of net interest income Net interest income for the first three quarters Net interest income of each quarter (RMB million) (RMB million) NI 2.93% 3.04% M 60,000 Growth = 44.73% 4% 20,000 Growth = 45.78% 1.4 th =4 w 17,159 Gr o 46,704 Growth = 32.80% 16,141 16,000 40,000 13,404
Slide 7: Significant growth of non-interest income businesses
Significant growth of non-interest income businesses Net non-interest income growth and as a Fee and commission income growth and as a percentage of operating income percentage of operating income (RMB million) (RMB million) % of operating 17.53% 22.44% % of operating 16.12% 19.59% income income 15,
Slide 8: Drop in cost-to-income ratio and hike in profitability
Drop in cost-to-income ratio and hike in profitability Net profit attributable to shareholders of the Bank Profitability (RMB million) % th = 64.42 25,000 Grow 40% 1.46% 1.5% 21,386 20,000 15,000 13,007 1.09% 1.2% 10,000 30% 25.05% 5,000 0.9% 0 Jan-Sep 2010 Jan-Sep 2011 20% 18.40% Cost-to-income rat
Slide 9: Prudent loan growth with credit structure optimization
Prudent loan growth with credit structure optimization Gross loans and advances Outstanding balance of “Shang Dai Tong” loans (RMB million) (RMB million) % of individual loans 56.95% 62.63% % 9.66 wth: 1,400,000 Gro 250,000 % : 34.73 wth 1,159,751 Gro 214,196 1,200,000 1,057,571 200,000 1,000,000 29
Slide 10: Stable asset quality
Stable asset quality NPL loan balance and ratio Allowance to impaired loans ratio and (RMB million) Allowance to total loans ratio 8,000 0.8% 500% 2.5% 2.19% 0.69% 0.62% 400% 1.88% 2.0% 7,500 0.6% 355.44% 7,339 7,139 300% 1.5% 270.45% 7,000 0.4% 200% 1.0% 6,500 0.2% 100% 0.5% 6,000 0.0% 0% 0.0% 31 D
Slide 11: Outlook for 2011 Q4
Outlook for 2011 Q4 In accordance with the overall objectives that were set out at the beginning of year: “Holding on to unique characteristics, giving prominence to key businesses, enhancing management effectiveness, and speeding up reform”, we will 1 Continue to focus on the strategic positioning
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