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Investor Presentaiton

| Asset quality maintained the tendency of getting better in stability S 中国民生银行 CHINA MINSHENG BANK Total NPLs and the NPL ratio continued to decrease for three consecutive quarters Total NPLs RMB69,003 million down by RMB384 million from the end of the previous year NPL ratio 1.57% down by 0.11 pp from the end of the previous year $ % Allowance to NPLs 146.85% up by 4.36 pp from the end of the previous year Allowance to total loans 2.31% down by 0.08 pp from the end of the previous year Formation rate of NPLs (annualised) 1.47%, down by 0.60 pp YoY, formation rates of NPLs of corporate business, small business, H1-2023 | 8 mortgage and consumer loan business all down YoY Non-performing assets collected and disposed in total RMB35,202 million Recovery of written-off loans RMB4,250 million, up by 32.48% YoY * Data of formation rates of NPLs, collection and disposal of non-performing assets, recovery of written-off loans are information of the Bank Serving the public, caring about people's livelihood
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