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CHINA BANKING CORPORATION (CHIB) Investor Presentation SM Group Corporate Day /Macquarie Securities the Economic Backdrop

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CHINA BANKING CORPORATION (CHIB) Investor Presentation SM Group Corporate Day /Macquarie Securities the Economic Backdrop CHINA BANKING CORPORATION (CHIB) Investor Presentation SM Group Corporate Day /Macquarie Securities The Economic Backdrop . Healthier and more inclusive GDP growth . Sound macroeconomic fundamentals . Improved governance and competitive indicators . Prudent monetary policy . Strong external position . Sound and stable banking system . IT’S MORE FUN TO INVEST IN THE PHILIPPINES! Your Success Is Our Business CHINA BANK MILESTONES – 92 Years 1920‐1939 1940‐1959 1960‐1979 1980‐1999 2000‐2012 2000‐2012 2000‐2012 •1920 •1947 •1969 •1988 •2006 •2008 •2011 •Established •CHIB listed •Became the •Joined 7 other •Start of rapid •Launched •2x Gold by Chinese on the local 1st bank in banks in branch China Bank awardee immigrants stock Southeast setting up expansion; Savings (95%) in as the 1st exchange Asia to BancNet, the Completed its subsidiary corporate country’s first privately process largest ATM international •2009 governance owned local deposit network US$53 MN •Cited by awarded by commercial accounts ICD •1991 secondary Stern bank in the online •Acquired share offering Stewart as •2012 Phils. unibank •2007 one of the •Breached license •Signed a top 100 the 300- •1996 bancassurance ASEAN mark in JV with companies branch •Accessed Manulife; offshore acquired in terms of network; Ten capital Manila Banking delivering to one Stock markets by Corporation shareholder split; Bell issuing US$50 with 75 value for Awardee for MN FRCD branches 2002-2008 Corporate Governance Your Success Is Our Business Competitive Landscape (Dec 2012) Competitive Assets Deposits Net Loans Capital Branches Posture Amt Mkt Share Amt Mkt Share Amt Mkt Share Amt Mkt Share Institution (P BN) (%) (P BN) (%) (P BN) (%) (P BN) (%) TOTAL 7,733 100.0 5,481 100.0 3,738 100.0 861 100.0 BDO 1,250 16.2 930 17.0 738 19.7 156 18.1 763 MBT 1,038 13.4 739 13.5 509 13.6 122 14.1 828 Big Banks BPI 976 12.6 804 14.7 558 14.9 93 10.8 820 PNB/Allied 516 6.7 388 7.1 234 6.3 58 6.7 653 RCBC 369 4.8 249 4.5 178 4.8 42 4.9 418 Peer CHIB 322 4.2 272 5.0 187 5.0 39 4.5 316 Banks UBP 275 3.6 190 3.5 117 3.1 45 5.2 186 SECB 259 3.4 143 2.6 130 3.5 37 4.3 208 Gov't 1,046 13.5 721 13.2 388 10.4 118 13.7 Foreign Others Banks 977 12.6 505 9.2 415 11.1 56 6.5 Local Banks 706 9.1 541 9.9 284 7.6 97 11.2 Your Success Is Our Business Key Investment Merits Sustained profitability Strong balance sheet and asset quality Solid capital base Clear strategy for growth and expansion Focused management, effective governance Sustained delivery of superior value to shareholders Your Success Is Our Business Net Income, ROE Your Success Is Our Business ROE, ROA Your Success Is Our Business Cost to Income Branch network more than doubled from 148 in 2006 to 316 in 2012 Your Success Is Our Business Revenue Diversification Profile In BN 19.3 17.5 17.9 16.9 14.5 14.5 14.1 Your Success Is Our Business Key Investment Merits Sustained profitability Strong balance sheet and asset quality Solid capital base Clear strategy for growth and expansion Focused management, effective governance Sustained delivery of superior value to shareholders Your Success Is Our Business Assets Your Success Is Our Business Loan Portfolio - well collateralized Excludes UDSCL Your Success Is Our Business Much room for loans growth… Gross Loans to Deposit Ratio Your Success Is Our Business Improving asset quality, more than adequate reserve cover *Industry LLR Ratio as of October 2012 Your Success Is Our Business Deposit, Funding Mix 272 213 216 193 174 140 122 Your Success Is Our Business Sustained growth in low-cost deposits Your Success Is Our Business Key Investment Merits Sustained profitability Strong balance sheet and asset quality Solid capital base Clear strategy for growth and expansion Focused management, effective governance Sustained delivery of superior value to shareholders Your Success Is Our Business From excess capital to efficient use of capital - Basel II 2007, acquired Manila Bank 2007, expansion 41 36 31 24 27 21 22 Your Success Is Our Business Capital & loss reserves well above stress test tresholds Your Success Is Our Business Maintained top ratings from credit rating agencies Standard Capital Fitch Ratings Moody's and Poor's Intelligence Foreign Bank Financial Currency National Individual Strength Short-term Bank Rating Rating Rating (BSFR) Deposit Rating BPI AAA C C- Not-Prime DBP AA+ C/D BDO C/D D Not-Prime CHIB AA- C/D BBB- SECB AA- D RCBC D D- Not-Prime ABC D E+ Not-Prime UBP A+ D LBP AA C/D(from D) BB Positive BB Positive MBT C/D (from D) D Not-Prime (from BB-) (from BB-) BB Positive BB Positive PNB D/E E+ Not-Prime (from BB-) (from BB-) BB+ (from BB+ (from Philippines BB+ (from BB) Ba1 (from Ba2) BB) BB) Sources: Business World Online, PhilStar.com, The Wall Street Journal Digital Network, Bloomberg Your Success Is Our Business Key Investment Merits Sustained profitability Strong balance sheet and asset quality Solid capital base Clear strategy for growth and expansion Focused management, effective governance Sustained delivery of superior value to shareholders Your Success Is Our Business Branches, ATM expansion on track… 3-Year Plan 440 415 383 316 293 269 255 216 188 22 Your Success Is Our Business Leverage bigger branch footprint to distribute products and services Luzon ‐ 26% Metro Manila ‐ 50% Visayas ‐ 14% Mindanao ‐ 10% Your Success Is Our Business New branches – 24% of accounts 949,699 283 268 872,564 818,582 253 241 771,759 742,784 214 676,094 No. of 598,193 180 Branches Accounts of 148 No. No. of accts in No. of accts in Existing branches New branches Existing branches New branches Your Success Is Our Business Key challenges – Cost drag of new branches -- More than 85% of Opex covered Operating Exp Adjusted Net (P MN) FY 2012 Income / (Loss) Opened in 2006 (7) (70.89) 23.40 Opened in 2007 (12) (115.20) (12.95) Opened in 2008 (34) (311.54) (49.50) Opened in 2009 (27) (256.35) 6.65 Opened in 2010 (12) (96.64) (54.49) Opened in 2011 (15) (110.39) (91.64) Opened in 2012 (15) (34.03) (29.33) Converted Manila Bank (20) (195.60) 30.08 TOTAL (142) (1,190.64) (177.76) 25 Your Success Is Our Business Key challenges –Margin squeeze due to system liquidity Spread between average lending rates and fixed deposit rates Your Success Is Our Business Asset mix towards more loans, less treasury 324 257 262 234 209 176 156 Your Success Is Our Business Faster growth in higher margin segments – consumer, commercial CAGR= 20% 333 (2012-2015) 276 56% Consumer 224 194 150 24% Commercial 113 8% Corporate Your Success Is Our Business Diversify Revenue streams Maximize •Investment Banking •Bancassurance JV synergy with with Manulife existing “new” •Private Banking •Insurance businesses •Remittance •Credit/Debit Launch “new” Cards businesses •FOREX Business •Derivatives Your Success Is Our Business China Bank Savings - to become a major bottomline contributor by 2014 Expand distribution network •Savings Bank •Acquisition opportunities • Unity Bank, rural bank from Central Luzon •Full & mini branches •Mini branch in SaveMore (SM) supermarkets •Fastest growth in branch network in the Thrift Banking Industry Your Success Is Our Business Clear strategy for growth and expansion New Core Banking System Robust New ATM Switch Platforms, Cost Credit Card/ Debit Card System Effective Processes Roll our new ALM System (Sungard) Rolled out Reuters, Kondor + Treasury System Your Success Is Our Business Key Investment Merits Sustained profitability Strong balance sheet and asset quality Solid capital base Clear strategy for growth and expansion Focused management, effective governance Sustained delivery of superior value to shareholders Your Success Is Our Business Focused management, effective governance Respected Management .Management team is highly respected in the banking industry especially among Chinese Filipino businessmen .Hans T. Sy – Chairman since 2011 .Gilbert U. Dee – Vice Chairman .Peter S. Dee – President & CEO .Ricardo R. Chua – SEVP & COO .Mgt team strengthened by recent key executives hiring .William Whang – Head of Institutional Banking .Virgilio Chua – Head of Investment Banking Your Success Is Our Business Focused management, effective governance Strong Shareholder Support .SM Synergy .Bank’ branches/ATMS in malls .Savings bank in Savemore stores . SM suppliers, merchants, contractors .Foreign ownership of Dec 2012 . 24% share Your Success Is Our Business Focused management, effective governance Excellence in Governance - awards and citations 2011 – Gold (score of 95% above) 2010 – Gold (score of 95% above) 2009 –Silver (score of 90%) Your Success Is Our Business Focused management, effective governance Excellence in Governance - awards and citations 2012: Bell Award for Excellence in Corporate Governance from the Philippine Stock Exchange (PSE) •The only bank among the five publicly-listed companies awarded, from among 255 publicly-listed companies Your Success Is Our Business Key Investment Merits Sustained profitability Strong balance sheet and asset quality Solid capital base Clear strategy for growth and expansion Focused management, effective governance Sustained delivery of superior value to shareholders Your Success Is Our Business Sustained delivery of superior value to shareholders 10:1 stock split in September 2012 BN P 71 P 51 P 46 P 47 P 42 P 35 P 36 Your Success Is Our Business Sustained delivery of superior value to shareholders Your Success Is Our Business Sustained delivery of superior value to shareholders Your Success Is Our Business Sustained delivery of superior value to shareholders During
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