Investor Presentaiton

Liability development continuously promoted Liabilities grew steadily grew 6.40% Deposits increased soundly grew 6.28% RMB billion 19,541.9 2018 20,793.0 2019 Customer base solidified firmly RMB billion 14,883.6 2018 15,817.5 2019 Funding costs were controlled effectively Corporate Personal Number of effective 2.00% 1.98% 1.96% 1.93% Number of customers ↑16.1% 18.7% customers 1.85% 1.82% 1.81% 1.80% RMB corporate bank Number of customers of 1.78% ↑13.4% ↑7.6% settlement accounts payroll agency service Number of cash ↑12.2% management customers Number of BOC group private banking customers 1.63% ↑17.5% -Average interest rate of interest-bearing liabilities Average interest rate of deposits Note: domestic data except BOC group private banking customers 2018 1Q2019 1H2019 1-9M2019 2019 6

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