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Investor Presentaiton

Strengthened corporate banking business with further improvement in professional abilities S 中国民生银行 CHINA MINSHENG BANK In active response to the new changes and challenges in market and regulatory environment, the Company captured the crucial opportunities arising from the shift in growth drivers of corporate banking business and adopted reform and business development as two major strategies, so as to promote development through transformation. It also pressed ahead with the NSOE strategy, strengthened segmented management of different customer groups, improved the quality and structure of liabilities and assets, accelerated product innovation and upgrading as well as facilitated the transformation from an extensive style to a capital- saving business model. As a result, the corporate banking business was continuously expanded Total corporate loans¹ (RMB million) Number of domestic corporate customers with deposits of the Company1 (Thousands) Growth rate=13.67% Growth rate =11.09% 2,400,000 2,071,935 1,822,835 1,400 1,200 1,297.4 1,167.9 1,800,000 1,000 1,200,000 800 600 600,000 400 200 0 0 31 December 2018 31 December 2019 31 December 2018 31 December 2019 Further adoption of new investment banking business framework Effectively promoted investment banking business system reform and further implemented new investment banking framework Source: Note: 1 Achievements have been witnessed in key areas with the establishment of a fundamental customer base and strengthened management based on project classifications Ranked No.9 among lead underwriters in the interbank bond market¹ In respect of asset securitisation, the Company introduced innovative products and successfully launched the first consolidated fund units securitisation project for enterprises owned by the central government/state- owned enterprises in China, the first utility corridor PPP + ABS project in China and the first scalable REITs project in China Company's Annual Report Bank standalone Transformation and upgrading of corporate banking business driven by transaction banking Focused on the financial demands from daily production and operation of customers, improved and optimised the new transaction banking service solutions Modified settlement and cash management business according to changes in customers' demands and further enriched its product offering International business maintained sound development with remarkable improvements in market competitiveness Continuous upgrading of digital service capabilities to effectively improve customers' experience HERE 10
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