> Important The Board of Directors, supervisors and directors, supervisors and senior management to ensure that the information contained in this report does not contain any false, misleading statements or material omissions, and the authenticity of the content, accuracy and completeness of the individual and joint responsibilities in this semi-annual report on August 16, 2011 by the Nineteenth Meeting of the Fifth Session of the Board of Directors reviewed and approved the meeting should go to director 18, and actually 18, 15 of which attended the scene, commissioned others attended the three. Lu Zhiqiang, Vice Chairman, Dong Wenbiao, chairman Shi Yuzhu acting director in writing delegate vote, Leong Kam Chun Wang Lihua director of the Directors act voting delegate in writing this semi-annual report, the "Company", "our", "China Minsheng Bank "" Minsheng Bank "refer to China Minsheng Banking Corporation;" Group "refers to the China Minsheng Banking Corp. Ltd. and its subsidiaries in this semi-annual financial data and indicators contained in the report in accordance with Chinese accounting standards, unless otherwise indicated addition, the Group merged data, denominated in Renminbi. The semi-annual unaudited financial statements of China Minsheng Banking Corporation Board of Directors of the company's chairman Dong Wenbiao, president of Hong Qi, in charge of accounting products Zhao Zhang, Castle Peak , Dan White person in charge of the accounting agencies to ensure the semi-annual report financial report are true and complete. a listed company PROFILE (a) Introduction to the stock referred to as a Basic Unit: h Minsheng Bank shares: Minsheng Bank shares a stock code: 600016h shares: 01,988 shares listed on a Stock Exchange: Shanghai Stock Exchange, h shares: Stock Exchange of Hong Kong registered address and office address Fuxingmennei Street, Xicheng District, Beijing 100031 2 Zip Internet Website www.cmbc.com . cn E-mail cmbc@cmbc.com.cn (b) the contacts and contact the Board Secretary of the securities on behalf of any group Address Name of Mao Xiaofeng South Street, Zhongguancun, Beijing Friendship Hotel Guest House No. 1, Zhongguancun South Avenue, Beijing Friendship Hotel guests Tel 010-68946790010-68946790 Fax 010-68466796010-68466796 E-mail cmbc@cmbc.com.cncmbc @ cmbc.com.cn Second, accounting data and business data summary (a) the financial data and financial ratios in the 2011 reporting period - June 2010 January-June period compared with the size of current indicators (RMB million) increase (%) Total Assets 2,161,0051,823,73718.491,426,392 total loans and advances 1,142,2741,057,5718.01882,979 liabilities Total 2,044,1961,718,48018.951,337,498 total customer deposits 1,536,5861,416,9398.441,127,938 attributable to the parent company 115,269104,10810.7288,034 attributable to equity holders of the net assets per share (RMB / shares) 4.313.9010.513.95 Asset quality indicators (%) percentage change in non-performing loan ratio 0.630.69-0.060.84 provision coverage ratio loan provisioning 334.30270.4563.85206.04 2.101.880.221.73 Capital adequacy ratios (%) change percent capital adequacy ratio 10.7310.440.2910.83 core capital adequacy ratio 7.758.07-0.328.92 Note: 1, average total assets = net profit / total assets average of beginning and ending balance of 2, the weighted average return on equity = Net profit attributable to equity shareholders / equity attributable to equity shareholders of the weighted average balance of 3, the average net interest margin = interest-earning assets yield - the average cost of interest-bearing debt ratio 4, the net interest margin = net interest income / earning assets The average balance of 5, the cost to income ratio = operating and administrative expenses / operating income 6, non-performing loan ratio = non-performing loans / total loans and advances 7, = provision for loan impairment coverage / non-performing loans. 8 loan ratio = loan impairment provisions / total loans and advances. (b) non-recurring gains and losses (Unit: RMB million) the amount of non-recurring items operating income 61 17 Operating expenses including: Donations 57 Other expenses, net non-recurring gains 4 -44 Less: non-recurring items -11 Income tax effect of non-recurring items, net after-tax impact -33 Attributable to: Equity shareholders of the non-recurring items -35 affect the minority shareholders of the non-recurring gains and losses 2 Note: calculated on the basis: "public offering of securities of the Company Disclosure Explanatory Bulletin No. 1 - Non-recurring gains and losses (revised 2008)," "public offering of securities of the company information disclosure content and format of Rule 3(star "key customer development work, as with growth potential to provide comprehensive financial services to small and medium sized customers, successfully promoted a number of high-quality small business customers to the capital market. At the same time to point, and continued to optimize core business processes of SMEs, improve the efficiency of credit approval, to enhance the ability of small business professional services, and actively promote the healthy development of the bank's SME business. reporting period, the SME Finance Division of the loan balance 913.87 billion, representing growth of 14.91% the previous year, of which short-term loans accounted for 96.05%; assets reached 8,741 customer households, representing an increase of 29.69%; non-performing loan rate of 0.53%, remain at low levels (6) Trade Finance Division Trade Finance Division continued to implement the "road to go professional, trade and financial characteristics to do" business ideas, adhere to the "professional, dedicated, professional management" approach, to build the brand characteristics of trade finance services in recent years, trade finance division followed by market dynamics, is committed to doing business financial solutions provider and integrator of financial resources, through the characteristics of business development and product innovation to broaden the business space has been set up to Fortune 500 companies and leading domestic private enterprises to strategic customers to medium-sized private enterprises based on a stable customer base, covering the international settlement, international trade finance and domestic trade financing products, including more complete system, a worldwide network of correspondent clearing channels and smooth, providing customers with accounts receivable ,import tradechain financing, bonds, value-added services and structured trade finance as the core of an integrated trade finance solutions to meet our customers an integrated multi-link domestic and foreign trade, trade finance needs of the whole process of the report During the period, factoring, structured trade finance and other special services continue to lead the domestic industry. factoring volume of 43.3 billion yuan business, business search has 167,000 pen; which, international factoring volume of $ 608 million business; international double factoring business the amount of $ 495 million business amount in 3,241 pens, are the second highest in the domestic industry. to "go out" financing, ship financing, long single-commodity trade finance and structured trade finance as the core finance and actively explore new business models maintain the good momentum of development, the middle of business income during the reporting period to achieve 636 million yuan; which, overseas project contracting business under the direct financing of renewable energy power plants, resource areas such as foreign investment have achieved a breakthrough during the reporting period, trade Finance Division, the timely introduction of "smart winner" nine series of programs, through the financing of external security, cross-border RMB, foreign currency loans under the pledge in full, pay the other products, directly stimulating the growth of RMB deposits in the bank which, cross-border business amounted to RMB 20 billion yuan, up 289% over last year during the reporting period, trade finance division to private clients around the target, full implementation of the "host line" strategy, and actively build the "China Minsheng Banking Trade Finance Club." together to create a sub-sector enterprise under China's future leaders. reporting period, the trade finance business and foreign currency deposits of 419 billion yuan, up 20%; net non-interest income of 1.785 billion yuan, up 75% during the reporting period , caused by the rapid development of trade finance business domestic and foreign financial media attention, won the British "Financial Times", "2011 China Best Trade Finance Bank Award for Innovation", and international factoring business in the Federation of (fci) 43rd Annual Meeting won the "2011 Global Best Award for the development of factoring market." 6, team-building business during the reporting period, the company "focused, hierarchical organization, flexible application" principle, the full use of internal and external resources, active and innovative training methods, constantly enriched and improved business training system and strive to training and development strategies and management policy transmission combined training and business skills to strengthen the focus on the combination of promotion and marketing, training and exchange of experience typical case and a combination of advanced training overall quality and cohesion with the team combined to enhance the reporting period, the company has organized 59 kinds of training, trainees up to 4,511 people, of which implementation of the strategy around the needs of private enterprises, private enterprises organize more than 10 financial steward team training period, participants training staff more than 800 people; according to regional characteristics and business development-oriented, organizational and operational agencies in more than 40 key product training, trainees nearly 900 people; the same time, the "Harvard Business Review," co-organized business case collection best management practices contest, all-round build the company's core business team. (b) a retail business, retail loans to the Company for retail banking customers with various loan products during the reporting period, the Company continued to "Business Loan" lending led the rapid growth in retail loans and corporate restructuring. reporting period, retail loans (excluding credit) totaled 3,026.39 billion yuan, an increase of 41.186 billion the previous year, an increase of 15.75%, of which mortgage loans were 88.402 billion yuan, accounting for retail loans of 27.00% during the reporting period, the company "Business Loan" loan business continued to grow rapidly, business loans through "loan balance exceeded $ 200 billion, the number of customers and customer levels have also improved the reporting period, the company" commercial Loan "loan balance of 207.649 billion yuan, 48.663 billion yuan increase over the previous year, an increase of 30.61%;" Business Finance "total number of customers reached 12 million households, which accounted for 30% of the VIP customer over the customer structure has been continuous optimization In the "Business Loan" loan yields, the first half of 2011 the new loans continued to optimize the structure of interest rates, new loans average interest rate 1.7 percentage points higher than the prior year, profitability continued to improve products in "Business Finance" credit risk control, the company adhere to the use of "law of large numbers" of risk estimates the probability of a specific industry, by selecting "Business Loan" loan business into the industry for effective risk control reporting period, "Business Finance" bad loans rate was 0.13%. (the switch d14 version)import tradeFinancing"