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China Development Industrial Bank’s
corporate banking business is solidly grounded on a
stable customer base and a wide range of products. We
offer corporations and institutions banking services
of loans, guarantees, syndication loan and account receivable
financing, and have aggressively introduced new products
that deepen and broaden our range of client services
and provide new sources of income.
We also place particular emphasis on asset quality.
In the process of bank loan business, the target client
and industry will be pre-identified firstly and each
loan application will be evaluated based on the obligor’s
financial standings, business conditions and corporate
governance so as to remain a good quality of loan asset.
After credit initiation, the each loan asset will be
reviewed periodically on the concurrent economic trend,
industry variation and each obligor’s prospect.
As such the loan portfolio could be properly adjusted
and adeptly balanced at the high level of quality. As
of the end of 2007, CDIB’s nonperforming loan
ratio and loan loss coverage ratio is proudly upheld
at the competitive level of 2% and 128.59% respectively.
Within the structure of the financial holding company,
implementing a “balanced scorecard” performance
assessment system, CDIB’s institutional banking
business has efficiently employed the human resources,
integrated business lines and target core clients, thus
built up the diverse product platform. Aside from ordinary
loan business, the institutional banking will be eligible
to provide other services and products such as cash
management, trade finance, interest and foreign currency
products, leverage buyout and restructuring finance.
CDIB can also provide consultant services of capital
financing, real estate investment trust and asset securitization.
The integral product line can unleash the group’s
synergy and straightforward meet the all needs of CDIB’s
clients, thus boost the business scale and non-spread
income.
Looking to the future, we are committed to strengthening
the scope and diversity of our banking products to meet
the challenges of a rapidly changing market and increasingly
complex client needs in its respective characteristics.
Enhancing our overseas exposure remains an important
priority as well. We will continue to explore international
banking businesses and exploit thorough cross-border
services to our globalized clients. Furthermore leverage
our expertise and experience to actively pursue international
loan syndication opportunities and expect ourselves
to become one of the best regionalized banks.
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