China Minsheng Banking Corp Ltd Class A

600016: XSHG (CHN)

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China Minsheng Achieves Margin Expansion Thanks to Reduction in Funding Costs

Iris Tan

Jul 3, 2025

Business Strategy and Outlook

China Minsheng Banking Corp.'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. This multiyear restructuring and derisking has decreased the nonperforming loan ratio and lowered the bad-debt formation rate.

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China Minsheng Banking Corp Ltd Class A

China Minsheng Achieves Margin Expansion Thanks to Reduction in Funding Costs

Business Strategy and Outlook

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