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Investor Presentaiton

Debt profile and capital management Debt structure Total debt: RMB111.3bn By type (As of 30 Jun 2021) Offshore senior notes 21% Onshore bank Short-term debt: RMB51.7bn (As of 30 Jun 2021) By type Offshore senior notes 13% Offshore bank & other borrowings 17% Offshore bank & other borrowings 12% Onshore corporate bonds & other borrowings 60% Onshore corporate bonds 8% 7% Onshore bank & other borrowings 62% • Onshore: 67% • Onshore: 70% ⚫ Offshore: 33% ⚫ Offshore: 30% •2H2021: 42% 1H2022: 58% 8% Avg. borrowing cost 7.4% 7% Debt maturity Over 5 years 4% 7.5% 7.2% 7.0% 2-5 years 29% Less than 1 year 46% 1-2 years 21% 6% 2018 2019 2020 1H2021 ✓ As of 30 Jun 2021, total cash amounted to approx. RMB68.3bn, covering 1.3 times of short-term debt of approx. RMB51.7bn ✓ As of end-Jul 2021, short-term debt of approx. RMB2.5bn were repaid and rolled over, alleviating short-term debt pressure with short-term debt ratio lowered to 44% Arranges refinancing in advance Prudent capital management DA In Jan 2021, issued US$188mn 4.2% senior notes at par through exchange offer and new issuance, further setting record-low borrowing cost among Aoyuan's issuances In Feb 2021, issued US$350mn 5.88% 6-year offshore senior notes, the longest bond maturity ever issued by Aoyuan In Jun 2021, issued US$200mn 7.95% senior notes due 2024, fully utilizing the US$550mn offshore bond quota obtained from the NDRC In Jul 2021, issued RMB1.82bn 4-year domestic corporate bond with a coupon rate of 6.8% ✓ In Mar and May 2021, secured two tranches of 3-year offshore syndicated loans of over HK$2.1bn in total, at an interest rate of HIBOR/LIBOR+4.30% per annum with 12 commercial banks namely Bank of China (Hong Kong), Bank of East Asia, Barclays Bank, China Construction Bank (Asia), China Minsheng Bank Hong Kong Branch, Chong Hing Bank, CMB Wing Lung Bank, Deutsche Bank, Hang Seng Bank, Nanyang Commercial Bank, Standard Chartered Bank (Hong Kong) and Tai Fung Bank (in alphabetical order) Secured offshore bilateral loans of approx. HK$1bn in total from Nanyang Commercial Bank, Chiyu Banking Corporation, China CITIC Bank (International), and OCBC Bank in Singapore Values corporate credibility Completes redemption of all public offshore senior notes due 2021 Redeemed US$188mn offshore senior notes due Feb 2021 on time In Mar 2021, redeemed US$500mn and S$100mn offshore senior notes due Sep 2021 in advance ✓ Redeemed US$425mn offshore senior notes due May 2021 on time 14
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