Presentation on SPDB Statistics from Annual Report 2005.
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Transcript of Presentation on SPDB Statistics from Annual Report 2005.
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Presentation on SPDB
Statistics from Annual Report 2005
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A Young Bank
1993Incorporation of SPDB with headquarter in Shanghai
1999
2003
IPO and became the first listed bank on Shanghai Securities Exchange
2004 -Organizational reform and formation of business lines
Strategic alliance with Citigroup in Credit Cards
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Top Ten Shareholders
23%
77%
Shares Tradabl e onStock ExchangeUntradabl e Shares
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%)
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Bohai Bay
Yangtze River Delta
Pearl River Delta
Midwest
Nationwide Coverage
350 banking Offices
cover 42 cities
27 main branches
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Modern Organization
Board of Executives
Corporate & InvestmentBanking
Consumer Banking
Treasury & Markets
Risk Management Compliance Auditing
IT & Operation Human Resource Administration
Risk ManagementCommittee
Asset & Liability ManagementCommittee
Joint Marketing & PromotionCommittee
Front Office Marketing
Middle Office
Control
Back Office Supporting
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Young Staff
Total Staff Number: 8828
above 35years ol d3074, 35%
under 35years ol d5754, 65%
Head Office Staff Number: 560others 20,
4%doctor/ masterdegree
171, 31%
col l eague/vocati onal
schoolgraduate107, 19%
banchl ordegree
262, 46%
Staff Age Education Background
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Advanced Technology
We have a unified electronic data processing platform and centralized accounting data base
We provide different services channels including:
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
ATMOnline
Banking Telephone
Banking ERP Connection
Mobile Phone Banking
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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
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Stable Market Share
Market Share in terms of Assets
Others8%
Rural Credi tUni ts 10%
Ci ty Commer-ci al Banks5%
Pol i cy Banks8%
J oi nt StockCommerci alBanks 15%
State- ownedBanks54%
SPDB has approximately 10% market shares among all the 12 Joint Stock Commercial banks
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We have over 200,000 corporate clients and over 4,000,000 personal clients, which include
Large Stated-Owned Enterprises Top 500 Multinationals
Broad Client Base
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Steady Development
Billion RMB371
255322
12
456
311
395
14
573
377
506
16
Assets Loans Deposits Equity
2003
2004
2005
Figures in Billion RMB
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Sound Performance
0. 8 1. 06 1. 29 1. 57 1. 93 2. 49
5. 71 6. 098. 16
12. 03
16. 76
21. 47
0
5
10
15
20
25
30
2000 2001 2002 2003 2004 2005
in b
illi
on R
MB
Operat i ngI ncomeNet Profi t
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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%
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Diversified Portfolio
Loan Portfolioby Industry
Manuf acturing
29%
Consumer
Loans
15%Real Estate
10%
Commercial
14%
Logistic
6%
Others
26%
Loan Portfolioby Region
Shanghai18%
Beijing7%
Jiangsu17%
Zhejiang10%
Kangtong9%
OtherRegions
39%
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Prudent Risk Control
NPL Ratio20042.45%
NPL Ratio20051.97%
ProvisioningCoverage
2005142%
ProvisioningCoverage
2004117%
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Comparison with Domestic Peers
Bank NameCountry Rank
World Rank
Tier One Capital(M$)
Assets(M$)
Pre-tax Profit(M$)
ROE%
Cost/Income%
BIS%
NPL%
Bank of China 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
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Ranking, Rating & Awards
Rating Bank
Deposits
Financial Strength
Rating
Outlook
Ba1/NP D Stable
We rank No. 2
70 internationally
according to the
Banker Magazine
“Top 1000 World
Banks Ranking”
Awards of “25
Most Respectable
Listed Companies
in China”, “Best
10 Chinese Banks
for 2005”, “Best
10 Bank Cards”
by the World
Finance Lab
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Client Groups Product Centers
Corporate andInstitutional Banking
SME
OffshoreBanking
Cash Management
Trade Finance
Investment Banking
Asset Custody
Annuity
Business Planning
Business Accounting
Supporting Div.
Corporate & Investment Banking
Restructuring Wholesale Banking
Corporate CreditRisk Management
Corporate Credit Risk Assessment
Asset Work Out
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Abundant Products
Corporate Financial Service
s: Cash Management Solution
Supply Chain Finance Solution
Investment & Finance Full Solut
ion
Asset Custody Solution
Annuity Solution
Offshore Banking Solution
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Sales & Promotion
Wealth Management
Credit Card
Cards & Deposits Consumer Loans & Mortgages
Electronic Channels
Risk Control
ConsumerBanking
Allocating more resources to retail business
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New Brand for Personal Banking
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Dynamic Development of Personal Banking
47B
70B
0 400 800
2004
2005Personal Deposit,up 49% 7M
10M
0 1000 2000
2004
2005Bank Card No., up41%
56B
49B
400 500 600
2004
2005Personal Loan, up15% 3M
4M
0 500
2004
2005 PersonalCustomer No., up24%
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Five Year Strategy
BetterROE
ReasonableBusiness Structure
Effective Incentive Scheme
Modern Organization and Corporate Governance
Increase proportion of retail banking business against corporate banking business
Increase weight of fee income business against interest income business
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Create More
Value for
Investor
Customer
Employee
Society
Long-Term Perspective
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Earning Trust and Creating Excellence
To build SPDB into one of the best commercial banks