Investor Presentaiton

Advances to Customers HK$m 2022.06 2021.12 Change Loans for use in Hong Kong - industrial, commercial and financial 622,924 581,799 7.1% Property development 184,971 166,208 11.3% Property investment 85,751 78,125 9.8% Financial concerns 23,824 23,392 1.8% Stockbrokers Wholesale and retail trade Manufacturing 1,919 3,070 -37.5% 31,055 27,281 13.8% 46,713 44,492 5.0% Transport and transport equipment Recreational activities Information technology Others Loans for use in Hong Kong - individuals 62,610 62,000 1.0% 169 176 -4.0% 33,944 31,753 6.9% 151,968 145,302 4.6% 513,155 501,406 2.3% Loans for the purchase of flats in Home Ownership Scheme, Private Sector Participation Scheme and Tenants Purchase Scheme Loans for purchase of other residential properties 35,325 34,776 1.6% 357,494 349,645 2.2% Credit card advances Others Trade financing Loans for use outside Hong Kong Gross advances to customers 10,439 12,079 -13.6% 109,897 104,906 4.8% 81,060 73,611 10.1% 463,911 442,268 4.9% 1,681,050 1,599,084 5.1% 30 30

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