Transcript 幻灯片 1
Presentation on SPDB Statistics from Annual Report 2005 A Young Bank Incorporation of SPDB with headquarter in Shanghai 1993 IPO and became the first listed bank on Shanghai Securities Exchange 1999 2003 2004 - Strategic alliance with Citigroup in Credit Cards Organizational reform and formation of business lines 2 Top Ten Shareholders Shanghai International Trust and Investment Co., Ltd.(7.01%) Shanghai Industrial Investment (Holdings) Co., Ltd.(4.87%) Shanghai State-Owned Assets Operation Co.(4.85%) Shanghai International Group(4.73%) Citibank Overseas Investment Co.(4.62%) Shanghai Jiushi Corp.(4. 21%) Shenergy Co. Ltd.(1.92%) Oriental International Trade (Group) Co., Ltd.(1.92%) Shanghai Guoxin Investment & Development Co., Ltd. (1.62%) SIIC Development Co. Ltd. (1.57%) Shares Tradable on Stock Exchange Untradable Shares 23% 77% 3 Nationwide Coverage Bohai Bay Midwest 350 banking Offices Yangtze River Delta cover 42 cities 27 main branches Pearl River Delta 4 Modern Organization Risk Management Committee Board of Executives Asset & Liability Management Committee Joint Marketing & Promotion Committee Corporate & Investment Banking Risk Management IT & Operation Consumer Banking Compliance Human Resource Treasury & Markets Front Office Marketing Auditing Middle Office Control Administration Back Office Supporting 5 Young Staff Education Background Staff Age Head Office Staff Number: 560 Total Staff Number: 8828 others 20, 4% above 35 years old 3074, 35% colleague/ vocational school graduate 107, 19% under 35 years old 5754, 65% doctor /master degree 171, 31% banchlor degree 262, 46% 6 Advanced Technology We have a unified electronic data processing platform and centralized accounting data base We provide different services channels including: ATM Online Banking Telephone Banking Mobile Phone Banking ERP Connection We have a call centre accommodating 300 seats and a national service hot line 95528 We are able to provide real time settlement for book transfer payments We have centralized documentary processing, which enable us to offer more efficient and professional services to our clients 7 Continuous Innovation We issued the first dual-currency credit card which introduced foreign bank’s technology and management in China We offered custodian account service for the first industry investment fund in China We became the first joint-stock commercial bank acting as agent for foreign government loan offered to Ministry of Finance We were among the first group of banks which acquired license for gold trading and concluded the first gold leasing deal in China We were among the first six commercial banks which were granted a license of annuity management We were one of only four domestic banks which offer off-shore banking service 8 Stable Market Share Market Share in terms of Assets Joint Stock Commercial Banks 15% State-owned Banks 54% SPDB has approximately 10% market shares among all the 12 Joint Stock Commercial banks Policy Banks 8% Others 8% Rural Credit Units 10% City Commercial Banks 5% 9 Broad Client Base We have over 200,000 corporate clients and over 4,000,000 personal clients, which include Large Stated-Owned Enterprises Top 500 Multinationals 10 Steady Development Figures in Billion RMB 2003 573 506 2004 456 371 311 2005 395 377 322 Billion RMB 255 12 14 16 Assets Loans Deposits Equity 11 Sound Performance in billion RMB 30 25 21.47 20 16.76 15 10 5 0 12.03 5.71 6.09 0.8 Operating Income Net Profit 8.16 2.49 1.06 1.29 1.57 1.93 2000 2001 2002 2003 2004 2005 12 Results 2005 Operating Income RMB21.5bn Up 28.0% Pre-tax Profit RMB4.2bn Up 38.8% Net Income RMB2.5bn Up 28.8% Earning per Share RMB0.635 Up 28.8% Return on Equity 16.01% Up 12.0% 13 Diversified Portfolio Loan Portfolio by Region Loan Portfolio by Industry Shanghai 18% Other Regions 39% Others 26% Manuf acturing 29% Beijing 7% Logistic 6% Jiangsu 17% Kangtong 9% Zhejiang 10% Commercial 14% Real Estate 10% Consumer Loans 15% 14 Prudent Risk Control NPL Ratio 2004 2.45% Provisioning Coverage 2004 117% NPL Ratio 2005 1.97% Provisioning Coverage 2005 142% 15 Comparison with Domestic Peers Bank Name Country Rank World Rank Tier One Capital (M$) Bank of China Assets (M$) Pre-tax Profit (M$) ROE % Cost/ Income % BIS % NPL % 1 11 34,851 515,972 4,178 14.5 40.02 10.04 5.12 China Construction Bank 2 25 23,530 471,792 6,067 26.4 39.17 11.29 3.92 Industrial & Commercial Bank of China 3 32 20,170 685,135 354 1.7 41.98 Na 18.99 Agricultural Bank of China 4 37 16,670 422,151 820 5.0 65.80 Na Na Bank of Communications 5 105 5,734 138,398 936 17.6 54.90 9.72 3.00 China Merchants Bank 6 198 2,428 72,829 606 26.3 48.71 9.55 2.87 CITIC Bank 7 200 2,376 62,203 112 5.1 40.00 6.05 5.96 Shanghai Pudong Development Bank 8 270 1,632 55,039 467 30.0 38.86 8.00 2.21 China Minsheng Bank 9 287 1,518 53,803 339 25.0 47.39 8.59 1.17 China Everbright Bank 10 295 1,435 47,655 98 6.6 53.11 4.65 9.34 Statistics from “Top 1000 World Banks Listing” by “the Bank” July 2005 16 Ranking, Rating & Awards Awards of “25 Most Respectable Listed Companies in China”, “Best 10 Chinese Banks for 2005”, “Best 10 Bank Cards” by the World Finance Lab We rank No. 270 internationally according to the Banker Magazine “Top 1000 World Banks Ranking” Rating Bank Deposits Financial Strength Rating Outlook Ba1/NP D Stable 17 Restructuring Wholesale Banking Corporate & Investment Banking Client Groups Product Centers Supporting Div. Corporate and Institutional Banking Cash Management Business Planning SME Trade Finance Business Accounting Offshore Banking Investment Banking Corporate Credit Risk Management Asset Custody Corporate Credit Risk Assessment Annuity Asset Work Out 18 Abundant Products Corporate Financial Services： Cash Management Solution Supply Chain Finance Solution Investment & Finance Full Solution Asset Custody Solution Annuity Solution Offshore Banking Solution 19 Allocating more resources to retail business Sales & Promotion Risk Control Electronic Channels Wealth Management Consumer Banking Consumer Loans & Mortgages Credit Card Cards & Deposits 20 New Brand for Personal Banking 21 Dynamic Development of Personal Banking 2005 2005 70B 2004 Personal Deposit, up 49% 47B 0 400 2005 0 400 500 600 1000 2000 2005 Personal Loan, up 15% 49B Bank Card No., up 41% 7M 2004 800 56B 2004 10M 4M 3M 2004 0 Personal Customer No., up 24% 500 22 Five Year Strategy Increase weight of fee income business against interest income business Better ROE Reasonable Business Structure Effective Incentive Scheme Increase proportion of retail banking business against corporate banking business Modern Organization and Corporate Governance 23 Long-Term Perspective Society Create More Investor Value Employee for Customer 24 Earning Trust and Creating Excellence To build SPDB into one of the best commercial banks 25