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Big Bank – Small Money! Microfinance and Retail Banking

Big Bank – Small Money! Microfinance and Retail Banking

FOCUS: Corporate lending

FOCUS: Corporate lending and retail banking Consolidation Starting from June 2009 reorganization of the credit business in city level branches (Baoding pilot project) Assessment of the credit business in selected city level branches Development of standards Budgeting and planning tools Marketing training Reporting standards Future Topics Strategic planning process for the entire bank Implementation and monitoring of the bank strategy and the individual business strategies Development and implementation of a corporate culture Development and implementation of a comprehensive risk management strategy Development and implementation of new credit products (small corporate loan business) Sustainable Growth PSBC achieves its business and political objectives: PSBC becomes a fully fledged commercial bank with a sound business model and a profitable business in providing services to households and corporates all over the country Integration in PSBC’s credit department and a successful communication culture with PSBC colleagues on management and operational level are key for the success!!! 16.11.2009 Seite 12

Results (August 2009) Loan Product No.(000’) Disbursement Amount (bil.) No.(000’) Outstanding Amount (bil.) Arrears > 1 day (%) Business (guaranteed) 390 31 281 14 1.97 Micro Business (group lending) Rural (guaranteed) 325 125 28 4.6 233 95 14 2.8 2.06 1.17 Rural (group lending) 573 22 421 15 0.83 Individual Business Loans 62 15 54 13 0.05 Housing Loans 27 6.3 27 6.2 0.05 TOTAL 1.5 Million 107 Billion RMB = 10 Billion EUR 1.1 Million 65 Billion RMB = 6 Billion EUR 16.11.2009 Seite 13

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