China Minsheng Banking Corp., Ltd.

China Minsheng Banking Corp., Ltd.

CMAKY
China Minsheng Banking Corp., Ltd.US flagOther OTC
4.40
USD
- -
- -
19.30BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
28.32
33.2
36.28
35.4
32.73
35.51
40.9
38.27
34.86
28.68
28.3
27.01
29.45
32.22
Basic EPS, GAAP
10.33
10.92
10.83
10.92
11.3
11.4
12.2
7.1
7.1
7.1
7.2
6.4
6.3
7.1
Free Cash Flow per Basic Share
-12.21
51.59
51.13
232.32
-60.64
-90.9
-21.11
-18.67
30.14
31.32
13.06
-47.83
-34.38
-39.56
Dividend per Share
2.99
1.59
2.44
4.27
5.27
5.25
6.46
6.19
5.12
4.8
6.47
6.08
4.01
6.02
Book Value per Share
22.58
30.43
36.02
38.13
45.35
53.67
59.51
55.67
59.25
60.73
63.4
63.69
69.01
77.03
Tangible Book Value per Share
48.61
59.42
71.54
76.9
85.07
94.31
112.49
104.8
115.91
118.23
122.99
124.56
139.01
153.49
Basic Weighted Avg Shares
4,091
4,081
4,256
4,383
4,408
4,415
4,411
4,832
4,842
4,967
4,975
5,046
4,851
4,394
Sales/Revenue/Turnover
115,886
135,469
154,425
155,154
144,281
156,769
180,441
184,951
168,804
142,476
140,817
136,290
142,865
141,547
Operating Margin (%)
49.02
43.91
39.02
38.78
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,840
2,505
3,288
3,354
3,705
6,292
6,446
7,599
7,407
7,805
8,314
8,710
8,615
- -
Net Income, GAAP
42,278
44,546
46,111
47,843
49,813
50,327
53,819
34,309
34,381
35,269
35,823
32,296
30,563
31,202
Effective Tax Rate (%)
24.27
23.79
22.63
19.04
15.92
14.38
15.16
4.37
2.1
3.75
3.67
4
5.2
5.73
Profit Margin (%)
36.48
32.88
29.86
30.84
34.52
32.1
29.83
18.55
20.37
24.75
25.44
23.7
21.39
22.04
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
121,172
172,327
251,628
498,773
679,389
851,161
962,304
1,126,518
785,273
753,767
790,823
1,032,968
1,117,306
1,133,025
Total Equity
204,287
247,756
309,783
352,027
389,812
431,001
530,829
541,248
586,539
612,814
637,801
656,568
703,197
702,312
Return on Invested Capital (%)
13.84
11.98
9.36
6.8
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
53.39
41.14
33.24
29.86
27.14
23.04
21.55
12.91
12.37
11.98
11.61
10.14
9.32
9.41

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
20,000
20,000
20,000
Shares Outstanding
43,782
43,782
43,782
Market Capitalization
122,107
156,283
163,724

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
620,772
587,300
664,530
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.7%
5.39%
7.1%
Free Cash Flow
-60.38%
-163.13%
-30.9%
Net Income, GAAP
-3.13%
-2.17%
-5.37%
Sales/Revenue/Turnover
-0.42%
-4.78%
4.82%
Total Cash Common Dividend
10.47%
-5.43%
-36.54%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
34,273
32,854
34,533
34,630
136,290
2025
36,813
35,571
34,356
- -
142,865
2026
37,822
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.1
- -
- -
- -
6.4
2025
2.9
- -
- -
- -
6.3
2026
2.6
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
- -
- -
- -
6.08
2025
0.03
- -
- -
- -
4.01
2026
0.19
- -
- -
- -
- -

Company Description

APIChat
CEO
Yingxin Gao
Full Time Employees
63,490
Sector
Financial Services
Industry
Banks - Regional
Address
China Minsheng Bank Building Beijing People's Republic of China 100031
IPO Date
Jun 29, 2011
Business
China Minsheng Banking Corp., Ltd. operates as a commercial bank headquartered in Beijing, China, founded in 1996. The company provides a comprehensive range of banking products and financial services for individual customers, small and micro enterprises, corporate clients, government agencies, and financial institutions primarily within the People's Republic of China. Its core offerings span deposit products including savings accounts, deposit certificates, contracted and agreement deposits, call deposits, corporate term and current deposits; various loan products such as personal housing mortgages, individual automobile purchase loans, household composite consumption loans, micro-credit products, medium and long-term loans, and short-term working capital loans; and debit and credit card services. The bank also delivers appointed and domestic remittance services, payment and collection agent services, clearing services, safe deposit box rentals, VIP services, salary and welfare agent card services, as well as extensive internet, mobile, telephone, and self-service banking options. Further, it provides gross settlement, wage distribution agency, letters of guarantee, cash management, trade finance, industrial chain finance, financial product investment, asset management, trust financing, and foreign exchange products, including individual forex settlement and sales. China Minsheng Bank operates through its Corporate Banking and Retail Banking segments, supported by a network of over two hundred banking outlets across China. In recent developments, China Minsheng Banking has focused on strengthening its strategic execution aligned with national economic policies and has undertaken significant reforms to enhance core competitive advantages and promote high-quality development. The bank is accelerating its digital transformation, investing over CNY 5 billion in technology enhancements aimed at expanding its digital banking client base, which reached 60 million in 2023 with projections to grow to 80 million clients by 2024. It has further emphasized customer group management optimization, risk control, and revenue growth initiatives. Recent strategic moves include board composition changes approved in late 2025 and continuous efforts to optimize operational structures amid evolving regulatory and market conditions. The bank maintains a strong commitment to serving non-state-owned enterprises and expanding its offerings in industrial chain finance and trade finance to support China's broader economic development goals. China Minsheng Banking Corp., Ltd. remains positioned as a leading commercial bank in China with robust capabilities in corporate and retail financial services, backed by ongoing investments in innovation and compliance with regulatory requirements to drive sustainable growth. Its expansive product suite and strategic initiatives reflect its focus on digitalization, risk management, and enhanced customer service to maintain competitive advantage in the evolving Chinese banking sector. Sources include the company’s official investor relations, recent financial reports, news on strategic and board changes, and third-party financial data providers as of late 2025.

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