Investor Presentaiton

200,000 Growth rate: = 15.30 % Stable revenue growth and improved operation efficiency Operating income (RMB million) S 中国民生银行 CHINA MINSHENG BANK Net interest margin¹ Up by 0.24 ppts 2.40% 2.11% 177,745 2.00% 1.87% 1.60% 160,000 154,161 1.20% 0.80% 0.40% 120,000 0.00% 80,000 40,000 0 2018 Source: Company's Annual Report Note: 1 Restated net interest margin 2 2018 Cost-to-income ratio² Down by 3.44 ppts 2019 40.0% 30.58% 30.0% 27.14% 20.0% 10.0% 0.0% 2019 2018 2019 Cost-to-income ratio = (operating and other operating expenses - tax and surcharges)/operating income 5

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