Investor Presentaiton

Financial leasing: Steady growth in rate of net return • • The NIS of the Company was 3.75%, representing a year-on-year increase of 0.63 percentage point; the NIM was 4.49%, representing a year-on-year increase of 0.53 percentage point The growth was mainly attributable to the fact that the Company (1) continued to maintain and explore high-quality industries and customers; (2) maintained a stable customer coverage strategy and responded to customer needs in a timely manner, which ensured stable pricing; and (3) keep diversified financing sources and reduce financing costs Net interest spread (NIS) 63BPs 3.12% Net interest margin (NIM) 3.75% 3.96% 53BPs 4.49% 2021 1H 2022 1H 9 2021 1H 2022 1H

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