2011 年度中国国际银行会议 亚洲银行家对今日中国银行业的评估理念与心得 2011 年 5 月 26 日 北京

1. 2011年度中国国际银行会议 亚洲银行家对今日中国银行业的评估理念与心得 2011年5月26日 北京

2. 零售银行工作组正在追踪零售银行业的发展动态零售银行工作组正在追踪零售银行业的发展动态

4. 我们如何评估中国金融业 Scope of Financial Institutions National Banks, Joint Stock Banks, City Commercial Banks, Rural Banks, Foreign Banks (overall 96 banks) Evaluation Criteria Rational and transparent evaluation process based on balanced scorecards Retail Banking Product Awards Taking stock of innovative products and process improvements Technology/Infrastructure/Risk Awards Implementations that make an impact on the business International Panel of Referees Supervises and verifies the comprehensive 2 months evaluation exercise of The Asian Banker Research team • Retail Banking Product Awards • Best Wealth Management Product- Best Internet Banking - Best Branch Banking - Best Mobile Phone Banking Application- Best City Bank Branch - Best Provincial Town Bank Branch - Best Mortgage Product - Best Credit Card Product - Best Bancassurance Product - Best SME Product- Best Deposit Product • Technology and Infrastructure Awards • - Best Banking Technology - Best Core Banking Implementation- Best Risk & Analytics Project- Best Data Center Initiative- Best E-Banking Project- Best HR Systems Implementation- Best Call Center Project- Best Banking Security System • Risk Management Award

5. 中国最大的银行所拥有客户数超过亚太地区任何一家银行中国最大的银行所拥有客户数超过亚太地区任何一家银行 Number of customers for the largest banks (million, 2010)

6. 按资产规模来看，中国金融业令其他亚洲国家相形见绌按资产规模来看，中国金融业令其他亚洲国家相形见绌 Total Banking Assets of the Financial System ($ trillion, 2010)

7. 中国的银行分支机构是印度的两倍China has twice as many branches as India Number of Branches in Asia Pacific (Ex China and India) Number of Branches in China and India) Number of Branches

8. 对中国零售金融服务的评估立足于10个方面 Scorecard for Best Retail Bank Value of Franchise Financial Performance Sustainability Strategy Sales Management • Core Deposits • Market Share/Change in • Core Deposits • 3rd party providers • Operating Profit (%, $) • Retail Return on Assets (%) • AUM (%, $) • Portion of Recurrent Income (%) • NIM (bps) • Portion of Fee Income (%) • Cost to Income Ratio (%) • Clearly Conceptualized Strategy • Excellence Submission • Depth of Reporting (AR) • Average Cross Sell (Mass) • Average Cross Sell (Affluent) • Market Share Mortgages • Market Share Credit Cards Risk Management Process & Technology Distribution People’s Skill Ethical Banking • Gross NPL (%) • Net Credit Loss ($) • Classification of Delinquencies • Risk Reporting Structure • Time to Market • Customer Cycle Times • Straight through Processing • Centralisation of Branch Processes • Automation Levels of Assets/Liabilities Mgmt • Proportion of Self Service Transaction to Total • Branch - Fee Income/Core Deposits • Uptime of ATM (monthly) • Proportion of Active Bill Payment Users (e/banking) • Portion of Senior Executives with more than 13 years of Experience in the Bank (Retail, IT) • Attrition Rates (Sales, IT) • Budget for Training (% of operational Cost) • Published Ethical Service Document • Depth of Social Corporate Responsibility

9. 大型国有银行通过多样化发展的路径使收入达到均衡状态大型国有银行通过多样化发展的路径使收入达到均衡状态 Ranking of Chinese Retail Banks 2011 Areas managed well Highest GAP to Top 10 Source: Asian Banker Research

10. 网络银行的评估标准通过6点展开 Scorecard Internet Banking Financial Performance Transactional Strength Sales Strength of Usage • Revenue generated • Revenue per registered customer • Revenue structure • Fee income • Fee income per customer • Fully loaded cost per transaction • Cost of an internet banking transaction to branch transaction • Value and volume of transaction (annually) • % contribution to total value and volume of retail transactions • YoY growth of users • Number of transactional services deployed • Number of product s offered online • Average product holding for internet banking users compared to non internet banking users • Internal revenue sharing model • Number of registered users • Active users (one transaction within < 3 months) • Active bill payment customers • Number of billing institutions • Financial tools • Participation rate of real time online support • Customer interface • Usability Operations and Technology Security • Security standards and systems • Security features deployed • Authentication model and processes • Alert features • Fraud incidences • Straight through processing of product applications and account opening • Level of consolidated view of all customer holdings • Analytics and segmentation • CRM connectivity

11. 前10强中大多数银行通过网银渠道获得的收入明显多于其他银行前10强中大多数银行通过网银渠道获得的收入明显多于其他银行 Evaluation Scorecard for Internet Banking (2011)

12. 我们的技术评分卡由一般标准与具体标准构成

13. 外资银行在中国面临的竞争呈上升趋势 Top 10 Chinese and Foreign Players in China (Ranked by Assets at End 2010 – RMB million) (a) After NPL provisions. (e) Figures Estimated. ROA was calculated via net income over assets based on the financial figures provided by the banks unaudited figures published on their website. (#) Does not include banks with asset value that is unavailable. (a) After NPL provisions. (e) Figures Estimated. ROA was calculated via net income over assets based on the financial figures provided by the banks unaudited figures published on their website. (#) Does not include banks with asset value that is unavailable

14. 中国的银行试图在产品范围、品牌与分销渠道上追寻杠杆效应中国的银行试图在产品范围、品牌与分销渠道上追寻杠杆效应 Key Emerging Themes in Retail Financial Services 2010/2011 Asia Pacific China • Data management and integration • Continuing internationalisation of Chinese banks and opening of Taiwanese market (interoperability issues) • The rise of foreign players in wealth management and private banking? • Aggressive cross selling and product bundling calling the regulator into action • Banks have to decide which platform and device to utilize in mobile banking • Agility is enabled both by technical solutions and institutional changes • Institutionalisation of businesses (i.e. process standardisation and operational issues in wealth management and private banking) • Online and mobile phone banking • Growing regionalisation of domestic banks and integration of systems • Foreign banks are pushing the edge in innovation • Consumer protection as regulatory theme in Asia Pacific? (i.e. consumer finance)

15. 结论 • 亚洲银行家信息主干将100%在线呈现 • 中国金融业根据机构规模的不同而呈现出不同特点，因此需要依据具体特点分类别进行评估 • 寻找适宜的标杆与同业进行比较 • 中国的银行试图在产品范围、品牌与分销渠道上追寻杠杆效应

16. 谢谢