Example of consumer protection bank meeting minutes

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Consumer Protection Bank Meeting Minutes 1

Record content:

Moderator: Good afternoon everyone! Welcome everyone to attend the 20xx first quarter results investor and analyst conference call of xx Bank. I am Wan xx, secretary of the board of directors of xx Bank. I will host today's meeting.

First of all, let me introduce the management of xx Bank who attended today’s meeting: Please ask questions. Dear shareholders and analysts: Good afternoon everyone!

In the first quarter of 20xx, the Company closely focused on strategic positioning, actively responded to the challenges of interest rate liberalization, accelerated strategic transformation, continuously optimized and adjusted the operating structure, further strengthened risk management and control, and continued to improve profitability. Now I would like to give you a brief introduction to the main operating conditions in the first quarter:

1. Profitability has steadily improved, and shareholder returns have remained basically stable

In the first quarter, the Group achieved a return attributable to its parent company The company's shareholders' net profit was 13.377 billion yuan, an increase of 701 million yuan or 5.53% over the same period last year. Among them, the Bank achieved net profit of RMB 13.312 billion, an increase of RMB 862 million or 6.92% over the same period last year.

In the first quarter, the Group achieved an annualized average return on total assets of 1.36% attributable to shareholders of the parent company, and an annualized weighted average return on net assets of 21.64% attributable to shareholders of the parent company. Affected by the slowdown in profit growth, the above two indicators fell by 0.24 percentage points and 3.16 percentage points respectively compared with the same period last year;

Basic earnings per share was 0.39 yuan/share, a year-on-year increase of 0.02 yuan/share; Net assets were 7.42 yuan, an increase of 0.39 yuan compared with the end of the previous year.

2. Coordinated development of assets and liabilities, and continuous deepening of strategic transformation

At the end of the first quarter, the Group’s total assets were 4,016.757 billion yuan, an increase of 1.621 billion yuan from the end of the previous year; various loans 1,886.693 billion yuan, an increase of 74.027 billion yuan, or 4.08%, over the end of the previous year; the balance of various deposits was 2,449.141 billion yuan, an increase of 15.331 billion yuan, or 0.63%, over the end of the previous year; of which the balance of savings deposits was 587.545 billion yuan, An increase of 48.372 billion yuan from the end of the previous year, an increase of 8.97%.

While the scale is growing steadily, the company’s strategic business continues to deepen.

In terms of the two small and micro business strategies, the number of small and micro business customers of the Company reached 3.0255 million, an increase of 113,600 from the end of the previous year, and the loans to small and micro enterprises reached RMB 407.828 billion, an increase of RMB 5.092 billion from the end of the previous year. ; The number of community outlets (including fully functional self-service banks) that have been officially put into operation has reached 4,900, of which 812 community branches have been approved by regulatory agencies, an increase of 69 from the end of the previous year, and the number of community financial non-zero customers has exceeded 3 million. account, financial assets reached 91.775 billion yuan.

In terms of private enterprise strategy, the company has 11,152 private enterprise loan balance customers, and the private enterprise general loan balance is 672.347 billion yuan, accounting for 77.35% and 57.29% respectively in the corporate business segment. .

In terms of high-end customer strategy, as of the end of the reporting period, the number of private banking customers reached 14,981, an increase of 5.12% over the end of the previous year; the scale of financial assets under management reached 242.565 billion yuan, an increase of 5.28% over the end of the previous year. %.

3. The operating structure continues to be optimized and operating efficiency continues to improve

In the first quarter, the company continued to optimize and adjust its business structure, revenue structure and customer structure.

In terms of business structure, as of the end of the first quarter, the company’s bond and other investment business balance was 638.335 billion yuan, accounting for 16.50% of total assets, an increase of 1.02 percentage points from the end of the previous year; individual Deposits were 576.399 billion yuan, accounting for 23.78% of the total deposits from customers, an increase of 1.69 percentage points from the end of the previous year; the balance of consumer loans (excluding credit cards) was 109.807 billion yuan, accounting for 23.78% of the total personal loans and advances. 16.41%, an increase of 1.96 percentage points from the end of the previous year.

In terms of income structure, in the first quarter, the company achieved non-interest net income of 12.352 billion yuan, accounting for 35.37% of operating income, a year-on-year increase of 3.34 percentage points.

In terms of customer structure, as of the end of the first quarter, the number of customers with corporate deposit balances of the Company reached 572,400, an increase of 25,400 from the end of the previous year; the Company’s retail non-zero customers exceeded 21 million accounts, an increase of 1.2181 million compared with the end of the previous year, and managed personal customer financial assets of 1.134516 billion yuan, an increase of 61.494 billion yuan compared with the end of the previous year.

While adjusting its operating structure, in the first quarter, the Group further strengthened cost management, effectively controlled costs, and continuously improved operating efficiency. In the first quarter, the Group's cost-to-income ratio was 25.33%, a year-on-year decrease of 1.45 percentage points, and the cost-to-income ratio indicator continued to improve.

4. Risk management and control have been continuously strengthened, and asset quality is generally controllable

In the first quarter, the Group continued to improve risk management policies, increase the collection and disposal of non-performing loans, and strengthen credit Asset quality management: Although non-performing assets have increased, asset quality is generally controllable.

As of the end of the first quarter, the Group’s non-performing loan balance was 23.036 billion yuan, and the non-performing loan ratio was 1.22%, an increase of 0.05 percentage points from the end of the previous year; the provision coverage ratio and loan provision ratio were 180.58% and 2.20 respectively. %.

In 20xx, the Company will actively explore the operation and management model under the new normal of China's economy, accelerate the adjustment of customer structure and business structure, steadily promote the reform of organizational model and management system, strengthen asset quality control, and promote profitability. Continuous improvement of capabilities.

The report is completed.

Moderator: Thank you, Mr. Bai. I would like to take this opportunity to introduce to you the profit distribution situation of our bank in 20xx as required. In the first half of 20xx, the company distributed cash of RMB 0.75 (tax included) for every 10 shares to shareholders registered on the equity registration date. In the second half of 20xx, in accordance with the relevant provisions of the company's articles of association, the company comprehensively considered the capital adequacy requirements of the regulatory agencies. In order to meet the efficiency requirements and sustainable business development and other factors, the board of directors recommended the distribution of dividends to the company's shareholders, with a cash dividend of 1.10 yuan (tax included) for every 10 shares. The proposal will be reviewed and approved at the 20xx Annual General Meeting of Shareholders to be held on June 18. Consumer Protection Bank Meeting Minutes 2

During the meeting discussion, it was believed that "development is the last word, crime prevention is real effort, and making money is the most important thing" are three sentences that are intertwined and indispensable. Development is the core, case prevention is the foundation, and making money is the goal. Recalling the growth history of our bank that took root in xx, based in Jiangxi, and went nationwide, witnessed the good operating situation of xx branch from its establishment to the current economic situation, and looked forward to the future development trend in view of the current economic situation and changes, believing that continuous development is the key to our bank's continuous growth and gradual expansion. The magic weapon is that in the future we must develop scientifically and rationally, develop steadily and rapidly, seize opportunities and develop with all our strength, and develop in a comprehensive and focused manner. The focus of current development is business transformation, changing the extensive development model that is overly dependent on loan growth, changing the profit model that is overly dependent on the difference between deposits and loans, and changing the overreliance on large enterprises and large projects (including project loans under the government background). ) development model, changing the vicious competition among peers that relies too much on similar businesses. Focus on the credit business of small and medium-sized enterprises (such as business with a credit of less than 5 million yuan), increase the number, conduct in-depth and detailed pre-loan investigations, loan investigations and post-loan inspections, and realize the transformation from an extensive to a refined business model, and reasonably Control risks. Focus on the professional wholesale market and industries related to people's clothing, food, housing and transportation, treat processing foreign trade-related enterprises with caution, form a large customer base of small and medium-sized enterprises in a certain industry, and cultivate our own basic customers, excellent customers, and settlement customers.

During the discussion at the meeting, it was also believed that strengthening crime prevention capabilities is the foundation for continuous development and growth. The whole branch must form a political awareness: case prevention is a kind of protection for bank employees themselves, and it is also a kind of protection for the development of the bank. Only by doing a good job in case prevention can we talk about development. Risk is both the bottom line and the high voltage line. At present, domestic city commercial banks are experiencing frequent risk cases, warning us that we must strengthen our case prevention capabilities. Strengthening case prevention capabilities requires real effort and hard work. The key to crime prevention is to prevent people. Strengthen the cultivation of internal employees' business skills, professional ethics, and risk identification capabilities, conduct regular in-house audits, supervise all risk points in the entire process, pay attention to details in business processes, conduct strict self-examination and self-correction, and effectively prevent liquidity, Six types of risks: credit, interest rate, operation, information technology and reputation, reduce the probability of case occurrence and maintain a high-pressure situation in case prevention work. The branch decided to conduct regular internal audits and increase the frequency of regular risk meetings. Each department will conduct post-loan inspections for the unit. The risk control officer and approval officer will ask questions to the account manager who handles the credit business, and prepare post-loan reports and explanations for unclear issues. . Each department conducts self-examination and self-correction activities to identify risk points. In daily work, department heads must set an example and play a leading role in case prevention work. It is difficult to start a business, and it is even harder to keep a business. We must practice hard to prevent cases and protect our homeland of Jiuyin.

At the end of the meeting, it was believed that "everything in the world is for profit; everything is bustling for profit." Profit is the basis for the normal operation of a company and the retention of employees. Continuous losses cannot mention development. Enterprises with good development momentum and strong case prevention capabilities are bound to make profits. Our bank advocates "retaining people with benefits and retaining people with emotions." We continuously improve employee welfare and improve employees' happiness index at both the material and spiritual levels. It is the ability of a bank to make continuous profits and seek benefits for employees. It is the ability of a team to achieve high performance. It is the ability of a team to earn a high salary for an employee. It is the ability of an individual to be strong. At the meeting, senior executives also pointed out that "a gentleman loves money and gets it in the right way." To make money, you must comply with laws and regulations and don't touch the bottom line of risk. This is the most important thing. The heads of each department said that only when the bank is profitable can the department be profitable, and departmental interests are closely related to the interests of the bank. Everyone must work hard, actively adjust the internal work of the department according to the business transformation ideas, create performance, control risks, strive for profits, promote development, and strive for success. People who do great things. ;