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Investor Presentaiton

Made all-out efforts in 8 Priority Areas Wealth finance Tech- nology Green Inclu- sive Cross- border Con- sumer Wealth Supply chain County- level Customer volume increased and customer quality Asset scale grew steadily improved Continuously consolidated brand advantages 中國銀行 私人银行 BANK OF CHINA CBN--"Best Bank in Wealth Management" PRIVATE BANKING China Securities Journal--"Golden Bull Award for Banking Wealth Management Sales" Global Finance--"Winner of the Stars of China Awards - Best Private Bank" Asiamoney--"China Private Banking Award - Best State-owned Bank" Asian Private Banker--"Best Private Bank in China Services for Business Entrepreneurs" Personal customers nearly 510 million of which: mid and high-end customers exceeded 14% Private banking customers 159.6 thousand up 8.41% yoy Personal customers' AUM nearly RMB13 trillion of which: domestic investment financial assets market share increased Private banking customers' AUM RMB2.42 trillion up 11.81% yoy Improved the quality of inclusive services: enriched product varieties, increased the supply of inclusive products, implemented the favorable rate policy, and ranked among top regarding the number of personal pension funds and insurance products distributed by banks as an agency as well as the number of wealth management companies in cooperation with banks Upgraded professional capabilities: enhanced the sales of asset allocation products, provided more intelligent solutions for customers in terms of asset analysis and improvement, and realised risks mitigation and investment profit growth for customers Improved customer companion: accelerated transformation from front-end transactions to full-process companion, expanded the online operation ecosystem introduced a total of 31 external institutions and published more than 10,000 news & information articles throughout the year Consolidated characteristic advantages: launched an innovative service of "Entrepreneur Office", fostered resources synergy of Group's commercial banking and investment banking business to support for enterprises all-round development, and made progress in building its Asia-Pacific private banking platform 16
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