Investor Presentaiton

Fee and Commission Income HK$m Loan commissions 1H2022 1H2021 Change 1,769 1,793 -1.3% Securities brokerage 1,388 2,189 -36.6% Credit card business 903 996 -9.3% Insurance 556 734 -24.3% Payment services 360 374 -3.7% Trust and custody services 341 374 -8.8% Funds distribution 295 417 -29.3% Bills commissions 262 321 -18.4% Safe deposit box Currency exchange Funds management Others 149 151 -1.3% 87 58 50.0% 26 101 -74.3% 687 608 13.0% Fees and commission income 6,823 8,116 -15.9% Fees and commission expense (1,679) (1,459) 15.1% Net fee and commission income 5,144 6,657 -22.7% 27

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