China Minsheng Banking Corp Ltd Class A

600016: XSHG (CHN)

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Weakening Deposit and Credit Demands Constrain CMBC’s Asset Expansion

Iris Tan

May 29, 2025

Business Strategy and Outlook

China Minsheng Banking Corporation's credit quality has gradually improved after years of restructuring, but has remained under pressure amid slowing economic growth. The bank once led in China’s micro- and small-enterprise financing market. The fragility of small private enterprises has translated into a painful business restructuring for CMBC over the past few years. CMBC's multiyear restructuring and derisking have declined the nonperforming loan ratio and lowered the bad debt formation rate.

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China Minsheng Banking Corp Ltd Class A

Weakening Deposit and Credit Demands Constrain CMBC’s Asset Expansion

Business Strategy and Outlook

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