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Investor Presentaiton

Development Keywords Pioneering and innovating for quality transformation Transition to innovation-driven development • CIT Strong scientific and technological innovation In the past three years, the Bank has implemented more than 300 digital projects, with the average annual investment in innovation increasing by 21% The Bank was the only bank in China that was selected for pilot supervision of financial technology innovation by the People' s Bank of China for the third year in a row The Bank promoted digital RMB and ranked first in terms of both indirect and direct connection of local corporate banks ed • Effective innovation of products The Bank carried out independent innovation and iteration of digital credit series products, with the launch of a total of more than 60 sub- products, and the increase of 44% in the loan balance The Bank provided the world's first batch of railway bill financing, "Tongdao e Financing (e)", which was China's first exclusive online credit loan product, the city' s first science and technology innovation bill, and the city's first green loan that meets the standard of "China-EU Common Classification Catalogue" Practice and innovation The Bank broadened the market-oriented capital replenishment channels, and successfully issue RMB13 billion A share convertible bonds, which is the first convertible bonds of the listed small and medium-sized banks with A shares and H shares in China and the first convertible bonds of the listed financial institutions in the city. The Bank successfully issued RMB5 billion tier II capital bonds and RMB4.5 billion perpetual bonds.
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