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口中銀香港(控股)有限公司 BOC HONG KONG (HOLDINGS) LIMITED Continuous Headwind on Net Fee Income Net Fee Income down 22.7% YoY Traditional Business Fees Broadly Recovered in 2Q HK$m 6,657 5,215 5,144 8,116 6,687 6,823 Insurance 1,793 953 1,769 Currency Exchange 3,441 2,716 2,265 Bills Commissions 2,882 3,018 2,789 1H2021 2H2021 1H2022 Credit-Related Business: Loan Commissions Net Fee and Commission Income Investment and Insurance-Related Businesses Non-Credit Related Business: Traditional Fee Services Growth rate QoQ 19.8% 9.6% Credit Card Business 6.2% Trust and Custody Services 5.4% 17.5% 17

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