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The Standard Bank of South Africa Limited (hereinafter referred to as “Standard Bank”) is one of the four major banks in South Africa. Due to its long history of business, it is competitive locally. Its controlling shareholder, Standard Bank Group Ltd. (hereinafter referred to as “Standard Bank Group”) is the largest commercial bank group in South Africa and Africa as a whole, with strong overall strength. In recent years, Standard Bank has established sound risk management mechanism and develops its businesses steadily. Its scope of business covers traditional commercial banking businesses and investment banking businesses. It boasts strong comprehensive financial services. The strategic cooperation plan signed with ICBC will promote the development of RMB businesses of Standard Bank. It enjoys constantly increasing operating revenue and net profit, good profitability, adequate capitals, and high contribution to controlling shareholders. Furthermore, as its loan distribution is concentrated, it faces risk of concentration of business. Compared with the financial institutions in Chinese banking industry, its loan impairment provisions have low coverage over NPLs. To sum up, Lianhe Credit Rating confirms that the long-term credit rating of the main body of Standard Bank is AAA. The credit rating of its 2017 RMB bonds (Phase 1) (no more than RMB1 billion) is AAA. And its rating outlook is stable. The credit rating reflects low default risk of the current RMB bonds.

五、主要業(yè)務(wù)經(jīng)營分析

Ⅴ、Main business analysis

 南非標(biāo)準(zhǔn)銀行在南非經(jīng)營歷史長，目前業(yè)務(wù)發(fā)展較為穩(wěn)定。近年來，隨著人民幣國際化進(jìn)程的推進(jìn)，南非標(biāo)準(zhǔn)銀行積極推進(jìn)中非跨境人民幣/外匯業(yè)務(wù)，致力于在中非業(yè)務(wù)中發(fā)揮主導(dǎo)作用。南非標(biāo)準(zhǔn)銀行的主營業(yè)務(wù)主要由個人及中小企業(yè)銀行業(yè)務(wù)、企業(yè)及投資銀行業(yè)務(wù)和其他業(yè)務(wù)組成。

Standard Bank has a long history of operation in South Africa. Its current business development is stable. In recent years, with the advancement of RMB internationalization, Standard Bank has actively promoted Sino-African cross-border RMB/foreign exchange businesses, and been committed to playing a leading role in Sino-African businesses. Standard Bank mainly conducts personal, SMEs, corporate, and investment banking businesses.

1.個人及中小企業(yè)銀行業(yè)務(wù)

1.Personal and SME banking businesses

南非標(biāo)準(zhǔn)銀行以客戶為中心，對個人及中小企業(yè)銀行業(yè)務(wù)重新進(jìn)行定位，并持續(xù)貫徹策略的執(zhí)行。南非標(biāo)準(zhǔn)銀行個人及中小企業(yè)銀行業(yè)務(wù)包括針對個人和中小企業(yè)的存款業(yè)務(wù)、貸款業(yè)務(wù)、住房抵押貸款、銀行卡、汽車和資產(chǎn)融資、財富管理業(yè)務(wù)，業(yè)務(wù)范圍主要集中在南非。

Standard Bank centers on customers, re-position personal and SME banking businesses, and constantly implement corresponding strategies. The personal and SME banking businesses of Standard Bank include deposits, loans, home mortgages, bank cards, auto and asset financing, and wealth management businesses. The scope of businesses is mainly concentrated in South Africa.