3 years ago

Big Bank – Small Money! Microfinance and Retail Banking

Big Bank – Small Money! Microfinance and Retail Banking


PSBC Clients, Products, Organization, Staff PSBC clients: 300 million savings client, 500 million accounts, focus on counties and rural areas PSCB products: Credit business (MSE, syndicated loans) Savings (10% of all savings mobilized in China) Credit card business Debit card business (green card) Remittances (national and international) PSBC organization with five management levels: Headoffice 36 provincial branches 315 city level branches 2129 county level branches 36500 outlets PSBC staff 230.000 employees Rural City Urban 23% 58% Count y 19% 16.11.2009 Seite 4

PSBC’s Strategic Objectives Improve urban and rural financial services by taking full advantage of the client base and the branch network Support the building of the “new socialist countryside” PSBC is a profitable, fully fledged commercial bank with a sound business model providing services to households and corporates all over the country Develop corporate banking and strengthen PSBC’s competitive advantages in retail banking The logic of the double bottom line applies for PSBC applying a commercial approach to achieve a social objective 16.11.2009 Seite 5

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