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Investor Presentaiton

2019 2018 Growth (%) 中国民生银行 Appendix: Overview of key financial indicators STERE Income statement highlights (RMB million, except per share data) CHINA MINSHENG BANK Balance sheet highlights (RMB million) 31 Dec 2019 31 Dec 1 2018 I Growth (%) Operating income 177,745 154,161 ↑ 15.30 Total assets 6,681,841 5,994,822 ↑ 11.46 Of which: Net interest income 97,943 76,680 ↑ 27.73 Of which: Total loans and advances to customers 3,487,601 3,056,746 14.10 Net non-interest income 79,802 77,4811 3.001 Total liabilities 6,151,012 5,563,821 ↑ 10.55 Profit before income tax 64,738 58,785 ↑ 10.13 Net profit attributable to equity shareholders of the Company Of which: Deposits from customers 3,604,088 3,167,292 13.79 53,819 50,327 ↑ 6.94 Basic earnings per share (RMB) 1.22 1.141 ↑ Total equity attributable to equity shareholders of the 7.02 Company 518,845 420,074 ↑ 23.51 31 Dec 31 Dec Key profitability indicators (%) 2019 2018 Change (ppt) | Return on average assets 0.87 0.85 ↑ 0.021 Assets quality indicators (%) NPL ratio 2019 2018 Change (ppt) 1.56 1.76 -0.20 Return on weighted average Allowance to total loans 2.43 2.36 0.07 12.40 12.94 -0.54 equity Capital adequacy ratio indicators (%)² Net interest margin (restated) 2.11 1.87 ↑ 0.24 Core tier-one capital 8.89 8.93 -0.04 adequacy ratio Net fee and commission income 29.42 31.22 -1.80 to operating income ratio Tier-one capital adequacy ratio 10.28 9.16 ↑ 1.12 Cost-to-income ratio¹ 27.14 30.58 -3.44 Capital adequacy ratio 13.17 11.75 ↑ 1.42 Source: Company's Annual Report Note: 1 2 Cost-to-income ratio = (operating and other operating expenses - tax and surcharges) / operating income Calculated in accordance with the Capital Rules for Commercial Banks (Provisional) and other relevant regulatory provisions d in accordance with the HEER 19
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