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Investor Presentaiton

④ Strengthened comprehensive risk management Credit risk Optimized the corporate credit management system, speeded up response to the market and customers, and strengthened the effectiveness of risk control Established Industry Planning& Research Center and made credit policy more forward-looking Focused on key areas and strengthened potential risk control Strengthened the recovery and disposal of non-performing assets Carried out smart risk control in an all-round manner to promote the digitalized transformation of risk management Market risk Strengthened the Group's coordinated management of securities and asset management business risks, continuously carried out investigation on bond default risk and strengthened early warning of risk events Timely adjusted asset and liability structure and pricing strategy according to market changes, and controlled interest rate risk at a moderate level Aimed to match the source of funds with the currency used in exchange rate risk management, and maintained the net foreign exchange exposure at a low level by means of exchange settlement and hedging | Liquidity risk Daily average liquidity coverage ratio (LCR) was 136.36% in the fourth quarter Net stable funding ratio (NSFR) was 124.46% RMB and foreign currency liquidity ratio (LR) were 54.6% and 60.4% respectively Quota management Risk warning Stress testing Internal control and operational risk Improved AML policies and rules, optimized resource allocation Continuously improved the compliance risk governance mechanism and management process, cultivated the compliance culture, and ensured the stable development of the Group Continuously carried out internal control governance, and strengthened operational risk management and business continuity management 15
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