Investor Presentaiton

Gross Advances and Other Accounts by Internal Credit Grade and Stage Classification 2022.06 2021.12 HK$m Stage 1 Stage 2 Stage 3 Total Advances to customers 1,647,766 24,655 7,810 1,680,231 Pass 1,643,813 18,520 Stage 1 1,561,306 1,662,333 1,558,267 Stage 2 Stage 3 33,457 4,321 Total 1,599,084 25,138 1,583,405 Special mention 3,953 6,135 10,088 3,039 8,319 11,358 Substandard or below 7,810 7,810 4,321 4,321 Trade bills Pass 8,142 8,142 8,142 7,264 8,142 7,264 7,264 7,264 Special mention Substandard or below Advances to banks and 550 other financial institutions 550 727 727 Pass 550 550 727 727 Special mention Substandard or below Gross advances and other accounts 1,656,458 Impairment allowances Advances and other accounts (5,298) 1,651,160 22,728 24,655 (1,927) 7,810 (3,857) 3,953 1,688,923 1,569,297 (11,082) (4,843) 1,677,841 1,564,454 33,457 4,321 1,607,075 (2,406) 31,051 (2,632) 1,689 (9,881) 1,597,194 31

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