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Operating efficiency maitained robust Net interest margin 1.76% +1bp compared with the prior year Interest rate on newly granted domestic RMB loans decreased by 53 bps yoy, fully supporting the development of real economy Interest payment ratio of domestic RMB customer deposits decreased by 2 bps yoy, with a balanced development in deposit scale and price NIM of domestic foreign currencies and overseas institutions rose by 55 bps and 13 bps yoy respectively, as seized the opportunity of interest rate hikes of foreign currencies Fee income RMB 72,248 million 11.67% of operating income Consultancy and advisory fees totaled RMB5,651 million, up 23.49% yoy Custodian and other fiduciary service fees totaled RMB6,844 million, up 6.94% yoy Spread income from foreign exchange business totaled RMB5,788 million, up 4.86% yoy Cost-to-income ratio 27.88% -0.29 ppt compared with the prior year Continuously optimised the structure of expenditures and allocated more resources to key products, areas and regions 2022 2021 IT investment rose by 15.70% yoy, accounting for 3.49% of operating income 2020 2020 2021 2022 8% 8% 26% 7% 6% 14% 13% 18% I Agency commissions Bank card fees Settlement and clearing fees ■Credit commitment fees Consultancy and advisory fees Spread income from foreign exchange business Custodian and other fiduciary service fees Other IT investment 21,541 18,618 16,707 RMB million

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