Investor Presentaiton

Capital adequacy ratio remains sound with improved liquidity 中国民生银行 CHINA MINSHENG BANK S Core tier-one capital adequacy ratio¹ Tier-one capital adequacy ratio¹ Capital adequacy ratio¹ Down by 4 bps Up by 112 bps 10.0% 8.93% 8.89% 12.0% 15.0% 10.28% 8.0% 10.0% 9.16% 11.75% Up by 142 bps 13.17% 12.0% 8.0% 6.0% 9.0% 6.0% 4.0% 6.0% 4.0% 2.0% 3.0% 2.0% 0.0% 0.0% 0.0% 31 December 2018 31 December 2019 31 December 2018 31 December 2019 31 December 2018 31 December 2019 Total equity to total assets ratio Leverage ratio 2 Up by 75 bps Liquidity ratio 1.3 10.0% 8.0% Up by 83 bps 75.0% 6.87% Up by 242 bps 7.94% 8.0% 7.19% 6.04% 6.0% 51.64% 54.06% 6.0% 50.0% 4.0% 4.0% 25.0% 2.0% 2.0% 0.0% 0.0% 0.0% 31 December 2018 31 December 2019 31 December 2018 31 December 2019 31 December 2018 31 December 2019 Source: Note: Company's Annual Report 1 3 23 Calculated in accordance with the Capital Rules for Commercial Banks (Provisional) («LR†††¤()») and other relevant regulatory provisions Group level Bank standalone 8

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