#1SORER 2023 Interim Results Announcement CHINA MINSHENG BANK#2| Disclaimer S 中国民生银行 CHINA MINSHENG BANK This results announcement is based on the 2023 interim report. In order to fully understand the operating results, financial position and future development plans of the Company, you should read the full report carefully in the Investor Relations Section of the website of the Company or the website of the Shanghai Stock Exchange, etc. This presentation contains forward-looking statements that may involve risks and uncertainties. These statements are generally indicated by the use of forward-looking terminology such as believe, expect, anticipate, estimate, plan, project, goal, may, will or other similar words that express indication of actions or results of actions that may or are expected to occur in the future. You should not place undue reliance on these forward-looking statements, which apply only as of the date of this presentation. These forward-looking statements are based on information of the Company and information from other sources we believe to be reliable. Such forward-looking statements are related to future events or the Company's future financial, business or other performance and are subject to a number of unclear factors that could cause material difference in actual results. Notes: 1. Unless otherwise stated, the financial indicators in this report are based on information of the Group and the business indicators are based on information of the Bank. 2. Unless otherwise stated, all data in this report are based on the Chinese Accounting Standards and the currencies are all RMB. H1-2023 | 1 Serving the public, caring about people's livelihood#3| Key data S 中国民生银行 CHINA MINSHENG BANK Total assets RMB7.64 trillion up by 5.32% from the end of Total liabilities RMB7.01 trillion up by 5.60% Operating income RMB71,539 million down by 3.58% from the end of YOY the previous year the previous year Net profit attributable to holders of equity shares of the Bank RMB23,777 million down by 3.49% YOY H1-2023 | 2 Serving the public, caring about people's livelihood#4S 中国民生银行 CHINA MINSHENG BANK | Relatively rapid growth of loans scale Total loans RMB4.39 trillion up by 6.03% from the end of the previous year accounting for 57.46% of total assets. up by 0.39 pp from the end of the previous year $ எ מ7 $ Balance of green credit , RMB243,723 million up by 35.47% from the end of the previous year Balance of loans to the manufacturing industry RMB455,219 million up by 15.39% from the end of the previous year Balance of inclusive small business loans RMB593,532 million up by 8.10% from the end of the previous year H1-2023 | 3 * Data of green credit, the manufacturing industry, inclusive small business and key regions are information of the Bank Proportion of loans to the four key regions 62.02% up by 1.76 pp from the end of the previous year *The four key regions: Guangdong-Hong Kong-Macau Greater Bay Area, Yangtze River Delta, Beijing-Tianjin- Hebei and Chengdu-Chongqing economic zone Serving the public, caring about people's livelihood#5| Enhanced stability in deposits Total deposits S 中国民生银行 CHINA MINSHENG BANK Proportion of total deposits to total liabilities $ RMB4.24 trillion up by 6.21% 60.46% O: from the end of the previous year accounting for 60.46% of total liabilities. 60.12% 59.31% up by 0.34 pp from the end of the previous year end of 2021 end of 2022 June, 2023 Proportion of daily average balance of personal deposits to total deposits 22.27% 20.24% 26.51% Daily average balance of personal deposits accounting for 26.51% of all deposits up by 4.24 pp YoY M Jan-Jun 2021 Jan-Jun 2022 Jan-Jun 2023 H1-2023 | 4 Serving the public, caring about people's livelihood#6| Higher contribution of basic intermediate business income S 中国民生银行 CHINA MINSHENG BANK $ Fee income of agency and custody businesses RMB6,339 million up by RMB1,317 million YoY 26.22% *Enhanced agency sales of wealth management products *Satisfied the demands of customers for stable and secure fund allocation Fee and commission income RMB 13,441 million up by RMB1,188 million YoY 9.70% Settlement fee income RMB 1,096 million up by RMB286 million YoY 35.31% *Extensively established ecosystem scenarios *Improved the quality and effectiveness of settlement services and comprehensive development of customers H1-2023 | 5 Serving the public, caring about people's livelihood#7中国民生银行 Optimised layered and classified corporate client management system SPIRI Balance of corporate deposits 2.55% RMB3,026,504 million up by from the end of the previous year CHINA MINSHENG BANK Balance of general corporate loans RMB2,345,912 million up by 9.12% from the end of the previous year Multiple drivers of "strategic customer groups + basic customer groups + small business customer groups + institutional customer groups" H1-2023 |6 Balance of deposits of RMB1,209,059 million, up by 9.52% Strategic from the end of the previous year customer groups Basic Balance of loans of RMB1,174,968 million, up by 8.67% from the end of the previous year 276.5 thousand corporate clients with an annual daily average balance of deposits of more than RMB100 thousand, up by customer 5.70% from the end of the previous year groups ranking first in terms of growth rate and second in terms of increment among joint-stock peers Small business customer groups 721.3 thousand small business customers with balance of loans, up by 11.19% from the end of the previous year Institutional 32,481 institutional customers, up by 6.82% from the end customer groups of the previous year Two wings of "basic products + eco-finance" $ Transaction banking Business, finance, tax, expense, bill, letter of credit, foreign exchange and financing Daily average balance of general deposits of settlement customers of RMB1,232,429 million, up by 12.27% from the previous year *MSES: Micro and small-sized enterprises Eco-finance Financing balance of RMB98,381 million, up by 32.55% from the end of the previous year Of which, financing balance of MSEs was RMB38,413 million, up by 56.97% from the end of the previous year Serving the public, caring about people's livelihood#8| Continuously taking retail business as a long-term and fundamental strategic business 19 H ແຕ S 中国民生银行 CHINA MINSHENG BANK $ Total retail AUM Retail loans Number of retail customers (including credit card overdraft business) RMB2,302,095 million up by 4.76% RMB1,851,856 million up by 126,323.6 thousand up by ~ 3.69% from the end of the previous year ☑RMB52,698 million from the end of the previous year from the end of the previous year H1-2023 | 7 Number of new individual customers 2,984.3 thousand up by 22.58% YOY Number of eligible private banking customers 45,248 up by 7.24% from the end of the previous year Serving the public, caring about people's livelihood#9| Asset quality maintained the tendency of getting better in stability S 中国民生银行 CHINA MINSHENG BANK Total NPLs and the NPL ratio continued to decrease for three consecutive quarters Total NPLs RMB69,003 million down by RMB384 million from the end of the previous year NPL ratio 1.57% down by 0.11 pp from the end of the previous year $ % Allowance to NPLs 146.85% up by 4.36 pp from the end of the previous year Allowance to total loans 2.31% down by 0.08 pp from the end of the previous year Formation rate of NPLs (annualised) 1.47%, down by 0.60 pp YoY, formation rates of NPLs of corporate business, small business, H1-2023 | 8 mortgage and consumer loan business all down YoY Non-performing assets collected and disposed in total RMB35,202 million Recovery of written-off loans RMB4,250 million, up by 32.48% YoY * Data of formation rates of NPLs, collection and disposal of non-performing assets, recovery of written-off loans are information of the Bank Serving the public, caring about people's livelihood