Investor Presentaiton
Continually enhanced risk management and stable asset
quality
Enhanced overall risk management
S 中国民生银行
CHINA MINSHENG BANK
Established an overall risk management system to
enhance risk management
Enhanced money-laundering risk management system to
lay a sound foundation for business development and reform
and transformation
Further optimised internal control system and refined the
operation mechanism of the internal control committee
Revised collaborative administrative measures for audit,
risk management and internal control and compliance
management departments and effectively promoted
collaboration of these departments on a day-to-day basis
Established and promoted a specialised operation and
management mechanism for distressed assets to
strengthen the efficiency of disposal of distressed assets;
allocated additional resources to the collection and disposal of
existing problem loans and non-performing assets. The assets
quality remained generally stable and the allowance to NPLs
has gradually improved
Strengthened the internal control and compliance
guidance and management of affiliated institutions to
ensure the compliant operation of Minsheng Bank and its
affiliated institutions
NPL ratio
Down by 20 bps
2.0%
1.76%
1.56%
1.5%
1.0%
0.5%
0.0%
31 December 2018
31 December 2019
Allowance to NPLs
Up by 21.45 ppts
155.50%
134.05%
100.0%
200.0%
0.0%
31 December 2019
31 December 2019
Allowance to total loans
Up by 7 bps
3.0%
2.36%
2.43%
2.0%
1.0%
0.0%
31 December 2018
31 December 2019
Source:
Company's Annual Report
7View entire presentation