Investor Presentaiton

Non-bank Mainland Exposures HK$m On-balance sheet exposure Off-balance Total loans and O/W: for use in Debt securities advances Mainland Subtotal sheet exposure Total exposure and others 296,461 78,931 76,259 372,720 35,856 408,576 Central government, central government-owned entities and their subsidiaries and joint ventures Local governments, local government-owned entities and their subsidiaries and joint ventures PRC nationals residing in Mainland or other entities incorporated in Mainland and their subsidiaries and joint ventures Others Total With reference to the completion instructions for the HKMA'S return of Mainland activities (Note 44 of the Notes to the Interim Financial Information of 2022 Interim Report), as of 30 June 2022, the total on-balance sheet non-bank Mainland exposure was HK$691.4bn, down 2.0% from the end of last year, accounting for 20.6% of total assets Of this, total loans and advances was HK$599.7bn, up HK$17.8bn or 3.1% YTD. Asset quality was solid with an NPL ratio of 0.67%. Loans for use in the Mainland stood at HK$229.6bn, accounting for 13.7% of total loans of the Group. 76,082 45,441 7,733 83,815 5,768 89,583 122,477 32,067 6,951 129,428 21,461 150,889 104,699 73,117 705 105,404 8,574 113,978 599,719 229,556 91,648 691,367 71,659 763,026 20% 34% Customer 14% Structure 32% Analysis of loans and advances for use in Mainland Central government, central government-owned entities and their subsidiaries and joint ventures Local governments, local government-owned entities and their subsidiaries and joint ventures PRC nationals residing in Mainland or other entities incorporated in Mainland and their subsidiaries and joint ventures Others 18% 39% Sector Structure 15% 10% 14% 4% Property development & investment Electricity and gas Manufacturing Transport and transport equipment ■Hotel, Inn and food & beverage Others 32

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