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Investor Presentaiton

Interim progress of credit metrics enhancement Net gearing ratio (1) Cash to short-term debt ratio (2) Debt to asset ratio (3) (excl. presales deposits) III 100% 2 85% 81.6% 82.7% 80.7% 80% 60% 80.3% 1.4x 80% 1.3x 1.3x 78.4% 78.5% 40% 20% 0% 1 75% End-Jun 2020 End-Dec 2020 End-Jun 2021 End-Jun 2020 End-Dec 2020 End-Jun 2021 End-Jun 2020 End-Dec 2020 End-Jun 2021 (RMB bn) Total debt Total sales/Total debt (4) Revenue/Total debt (4) 160% 134.5% 80% 150 64.7% 114.9 111.3 111.9% 115.8% 59.0% 103.0 120% 60% 53.5% 100 80% 40% 50 50 40% 20% 0 0% 0% End-Jun 2020 End-Dec 2020 End-Jun 2021 End-Jun 2020 End-Dec 2020 End-Jun 2021 End-Jun 2020 End-Dec 2020 End-Jun 2021 Note: (1) Net gearing ratio = Net debt / Total equity (2) Cash to short-term debt ratio = Total cash / Short-term debt (3) Debt to asset ratio = Total Liabilities / Total Assets (excl. presales deposits) (4) Annualized treatment based on data over the past 12 months 16
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