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Minsheng Bank of China was formally established in Beijing on January 12, 1996. It is the first national joint-stock commercial bank mainly initiated by private enterprises in China. It is also a modern financial enterprise established in strict accordance with China's company law and commercial bank law.
In the past 25 years, with the rapid development of China's economy and with the support of customers and all sectors of society, China Minsheng Bank has been forging ahead and making innovations. From a small bank with a capital of only 1.38 billion yuan, it has developed into a large commercial bank with assets of more than 7.1 trillion yuan, net assets of more than 530 billion yuan, branches of more than 2400 and employees of more than 58000 In 2020, the magazine ranked 23rd in the "Global 1000 big banks" and 239th in the "Fortune 500" of the United States.
Over the past 25 years, as the "experimental field of China's banking reform", China Minsheng Bank has been committed to reform and innovation, exploring the road of modern commercial bank construction for China's banking industry, providing customers with modern financial services with professional characteristics, and creating higher market value and return on investment for investors. On December 19, 2000, China Minsheng Bank A-share (Code: 600016) was listed on Shanghai Stock Exchange. On October 26, 2005, China Minsheng Bank completed the reform of non tradable shares, becoming the first domestic commercial bank to implement the reform of non tradable shares. On November 26, 2009, China Minsheng Bank H shares (Code: 01988) were listed on the Hong Kong stock exchange. Since its listing, China Minsheng Bank has continuously improved its corporate governance, vigorously promoted reform and transformation, continuously innovated its business model and products and services, and is committed to becoming a "trustworthy and respected" listed company.
Since 2020, in the face of the severe test brought by COVID-19 and the complicated and changeable economic environment at home and abroad, China Minsheng Bank has thoroughly implemented the decision and deployment of the Party Central Committee and the State Council, conscientiously implemented the regulatory policy requirements, coordinated the epidemic prevention and control and operation development, made a good job of "six stability", implemented the "six guarantees" task, fully integrated and served the national strategy, and increased the real economy. We should strengthen the support and accelerate the formation of a new development pattern with domestic circulation as the main body and domestic and international double circulation promoting each other.
In order to actively respond to the profound changes in the business environment, China Minsheng Bank adheres to the general tone of striving for progress while maintaining stability, unswervingly implements the new development concept, adheres to the supply side structural reform as the main line, comprehensively promotes the reform and transformation, comprehensively focuses on key businesses, and continuously improves the customer service ability. All business sectors have a good development trend.
First, the corporate banking sector: China Minsheng Bank solidly promoted the private enterprise strategy, strengthened customer group hierarchical operation, accelerated product innovation and upgrading, and continuously improved the company's business intelligence level. By the end of June 2020, the total amount of corporate deposits of the bank was 3060.156 billion yuan, an increase of 1982.83 billion yuan compared with the end of the previous year; there were 1.3508 million domestic corporate deposit customers, an increase of 53400 compared with the end of the previous year; there were 860 strategic private enterprise customers, an increase of 32.31% compared with the end of the previous year; there were 2280.976 billion SMEs customers, an increase of 33800 compared with the end of the previous year; and the total amount of corporate loans was 2280.976 billion yuan.
In terms of institutional business, China Minsheng Bank has steadily promoted the construction of institutional business platform projects, implemented refined and differentiated institutional customer group management, increased investment in local government special bonds, and achieved rapid and steady development of institutional business. By the end of June 2020, the total amount of institutional deposits of the whole bank was 814.720 billion yuan, an increase of 133.257 billion yuan over the end of the previous year. The average daily deposits in the first half of the year was 720.590 billion yuan, an increase of 81.995 billion yuan over the previous year, of which the average daily deposits in general institutions was 605.186 billion yuan, an increase of 99.361 billion yuan over the previous year.
In terms of investment banking, China Minsheng Bank is striving to build an investment bank with "commercial bank + investment bank" and "financing + wisdom". In terms of capital market and bond underwriting business, the bank continuously strengthened the hierarchical promotion and refined management of operating institutions, continuously improved the overall qualification and rating level of the project, and steadily improved the scale of M & A loans, syndicated loans, structured financing and other products; in the first half of 2020, the bank's inter-bank bond market underwriting issuance scale reached 240.2 billion yuan, ranking the lead underwriters in the inter-bank bond market Number 10. In terms of asset securitization business, the company has made continuous breakthroughs in product innovation and successfully invested in the country's first raising REITs project.
In terms of transaction banks, China Minsheng Bank has further implemented the development concept of "deep cultivation of scenes, enrichment of products, convenience of customers and improvement of experience", and provided customers with comprehensive financial solutions of "settlement + guarantee + financing", as well as intelligent, convenient and contactless product services. First, launch "single window" financing products, smoothly promote the pilot of cross-border e-commerce projects, and continuously optimize the business process of cross-border remittance and settlement and sales of foreign exchange. The second is to launch products such as non tax link and salary link, improve the functions of products such as housing management link, bidding link, purchase and sales link and order cashier, and launch online transfer of large amount certificates of deposit and issuance of fixed period deposit products. Third, improve and enrich the products of L / C, letter of guarantee, factoring, etc., do deep and large infrastructure business, and serve pharmaceutical, municipal, rail transit, communication and other livelihood guarantee industries. Fourth, vigorously promote the upgrading of trade financial products, optimize the function of e-letter of guarantee, realize the online L / C and factoring, and improve the level of business self-service and operation standardization.
In terms of supply chain finance, China Minsheng Bank has been working hard to develop key industries such as automobile, medicine, construction, Baijiu and household appliances, and improve the product supply system of the scenario supply chain, so as to improve the level of online and automation products. Accelerate the construction of new supply chain financial technology platform, "Minxin E-Chain" platform has been put into operation and implemented projects in succession. At the same time, continuously improve the whole process risk management system of supply chain finance, and realize the steady and orderly development of business.
Second, retail banking sector: China Minsheng Bank continues to deepen the "wealth management + asset business" two wheel drive development mode, strengthen customer segmentation operation, vertical management, enhance professional service ability, and create differentiated competitive advantage. By the end of June 2020, there were 77.4496 million retail accounts, an increase of 3.006 million over the end of last year; 194.707 billion yuan of financial assets managed by individual customers, an increase of 107.732 billion yuan over the end of last year; 936.088 billion yuan of retail deposits, an increase of 109.031 billion yuan over the end of last year; 805.561 billion yuan of savings deposits, an increase of 99.207 billion yuan over the end of last year; 1498.702 billion yuan of total retail loans, an increase of 99.207 billion yuan over the end of last year An increase of 101.486 billion yuan.
In terms of small and micro financial business, China Minsheng Bank has fully implemented the support policies for small and micro enterprises, vigorously promoted the non repayment of principal and loan renewal service, launched supporting measures such as non repayment of principal and loan renewal, reduction of loan interest rate, temporary extension of principal and interest payment, loan extension, gift of small and micro red envelopes, as well as relief measures such as interest penalty interest relief and credit protection, and optimized and improved the online product and service functions To promote the "incremental expansion, quality improvement and cost reduction" of small and micro credit. By the end of June 2020, the total amount of small and micro businesses loans in the bank was 474.074 billion yuan, and the total amount of inclusive small and micro businesses loans was 425.084 billion yuan; in the first half of 2020, the total amount of inclusive small and micro businesses loans was 270.600 billion yuan, with an average interest rate of 6.02%, 0.53 percentage point lower than that of the previous year.
In terms of credit card business, China Minsheng Bank continued to release new online platforms, enrich characteristic product systems, and meet customers' personalized card needs through technological data-driven, scenario ecological construction, product business innovation, and organizational efficiency improvement. By the end of June 2020, 60.003 million credit cards had been issued, an increase of 4.43% over the end of last year; 42.2911 million credit card customers had been issued, an increase of 3.48% over the end of last year; the balance of credit card receivables was 457.537 billion yuan, an increase of 2.61% over the end of last year. In the first half of 2020, the bank's credit card transaction volume was 1259.989 billion yuan, up 5.58% year on year.
In terms of private banking business, China Minsheng Bank actively promotes the transformation of private banking line customer group operation and channel management, strengthens the standardization construction of private banking center, constructs a new asset planning and management system driven by investment and research, and creates the characteristics of net worth and customized products. By the end of June 2020, the number of qualified customers of private banks was 34999, an increase of 11.68% over the end of last year, and the scale of financial asset management was 512.599 billion yuan, an increase of 9.37% over the end of last year.
In terms of community financial business, China Minsheng Bank comprehensively promotes the upgrading of community financial business model, fully exploits the social and geographical advantages of community sub branches, and wholeheartedly provides characteristic warm services for community residents. By the end of June 2020, the bank has 1125 community branches and 141 small and micro branches with licenses; the balance of financial assets of community (small and micro) branches is 315.011 billion yuan, and the average net financial assets is 249 million yuan; the deposit is 125.599 billion yuan, and the number of customers is 7.0689 million.
Third, financial market sector: China Minsheng Bank reasonably arranges the growth of investment business and improves the efficiency of investment business. By the end of June 2020, the net investment in trading and bank account books of the whole bank was 2315.379 billion yuan, an increase of 154.831 billion yuan compared with the end of last year; the net investment in trading and bank account books accounted for 0.05% of the total assets compared with the end of last year.
In terms of interbank business, China Minsheng Bank deeply promoted the comprehensive transformation of interbank business to customer group operation, optimized the exclusive management mechanism of interbank business, and realized the steady development of interbank business. By the end of June 2020, the scale of interbank assets was 350.579 billion yuan, 6.18% lower than that at the end of the previous year; the scale of interbank liabilities was 190.805 billion yuan, 3.23% higher than that at the end of the previous year; 290 issues of interbank certificates of deposit were issued in the first half of 2020, with a cumulative scale of 395.830 billion yuan; the balance was 52.219 billion yuan, 10.44% lower than that at the end of the previous year.
In terms of trusteeship business, China Minsheng Bank, in accordance with the development idea of "creating scale, increasing income, promoting collaboration and building brand", has continuously enriched the connotation of "love trusteeship" brand, established a "on-site + remote" two-line service mechanism, and comprehensively improved customer service experience. By the end of June 2020, the bank's asset custody scale was 10.55 trillion yuan, pension business custody scale was 635.032 billion yuan, and the number of individual accounts of enterprise annuity managed was 198700.
In terms of financial services, China Minsheng Bank actively promotes the transformation of financial products to net value, and constantly enriches the pedigree of net value products. At the same time, closely around the major national strategies, vigorously promote financial services to serve the national economy and the people's livelihood, and support the development of the real economy by directly or indirectly participating in a variety of financial instruments through financial funds. By the end of June 2020, the existing scale of financial products of the whole bank was 887.363 billion yuan.
In terms of precious metals and foreign exchange trading, in the first half of 2020, China Minsheng Bank's precious metals trading volume was 1441.61 tons of gold and 10900.00 tons of silver, with a total trading amount of RMB 571.289 billion. It is the seventh largest dealer of Shanghai gold exchange, one of the most active self operated dealers of Shanghai Futures Exchange, and one of the important large gold importers in China. In the first half of 2020, the bank's domestic spot foreign exchange settlement and sales volume was US $304.793 billion, forward foreign exchange settlement and sales volume and RMB foreign exchange swap volume were US $358.409 billion, and RMB foreign exchange option volume was US $23.929 billion, with a steady rise in market ranking.
Fourth, the network finance sector: China Minsheng Bank continues to innovate the "three banks" of online banking, mobile banking and wechat banking, as well as the "four platforms" of bank enterprise direct connection platform, online payment platform, digital operation platform and open banking service platform, so as to continuously improve the overall service capacity of network finance and expand the market scale and brand influence. By the end of June 2020, there were 75.5783 million retail online platform users, an increase of 5.1665 million over the end of the previous year; the replacement rate of retail online platform transactions was 99.12%; there were 2.4836 million public online platform users, an increase of 1733 million over the end of the previous year; there were 2173 bank enterprise direct customers, with an average annual daily deposit of 519.986 billion yuan; there were 32.2364 million direct bank customers, with management funds In the first half of 2020, there were 39.8053 million debit card mobile payment transactions, a year-on-year increase of 119.72%;
Fifth, science and Technology Finance: China Minsheng Bank has effectively promoted the implementation of the strategy of "Bank of science and technology finance", accelerated the play of the advantages of China Taiwan architecture, data enabling value and innovation leading role, and focused on the construction of "Tong, Ju, Ying" cash management product system, trade financing product all-round commercialization system, new supply chain "e" series product system and digital marketing in the strategic ecological scenario of private enterprises Sales management and operation platform, retail customer group ecological scene focuses on the construction of product center shelf, intelligent marketing platform, intelligent acquiring platform, mobile financial platform and Internet joint loan products, and peer customer group ecological scene focuses on the construction of "livelihood peer e + platform", "peer capital cloud" and "trusteeship cloud" projects. At the same time, focus on the construction of "zero contact" online service system, "5g mobile banking", corporate remote banking, "cloud witness" and "cloud face-to-face signature" services, build an Internet security protection framework covering the head office, branches and subsidiaries, and improve the refined operation ability, decision-making ability and it risk management ability.
Sixth, comprehensive operation: China Minsheng Bank is committed to collectivization, diversification and comprehensive development, continuously promoting the comprehensive service collaboration within the bank and between the parent and subsidiary companies, continuously promoting the business collaboration between the parent bank and its subsidiaries, continuously promoting the construction of scientific and effective group management and control system, optimizing the performance appraisal and resource allocation scheme of subsidiaries, and promoting the development of subsidiary system Through the development of unified platform, the group's ability to provide comprehensive financial solutions to customers is continuously improved.
Seventh, overseas business: with the advantage of cross-border linkage with the head office, the Hong Kong Branch of China Minsheng Bank focuses on strategic opportunities such as "Guangdong, Hong Kong and Macao Bay Area" to provide professional cross-border financial solutions; around the capital market, investment banking businesses such as syndicated loans, M & A loans and structural financing have achieved steady development; relying on Hong Kong's status as an international financial center, it has steadily expanded As for financial market business, by the end of June 2020, the balance of bond investment of the branch was HK $60.906 billion, the scale of foreign exchange trading on behalf of customers was US $4.151 billion, and the scale of asset custody was HK $54.392 billion. At the same time, adhering to the positioning of internet light bank with internet banking and mobile banking as carriers, and constantly improving the cross-border comprehensive service ability of personal wealth management, it has become one of the few Chinese joint-stock commercial banks with online fund management platform in Hong Kong market.
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