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Investor Presentaiton

Experienced and stable management team leading cohesive talent development Note: Lawrence Ma Founder, Chairman Bankers Trust. CITIC RESOURCES HOLDINGS LIMITED 中信資源控股有限公司 Lan Xue General Manager 中核集团 CNNC Ray Yu CMO NEC Credit-risk centric IT ■ Post-loan service ■ Back office (1) Adaptive to regulatory environment Stephen Liu Founder, CEO Thomas Liu COO CREDIT 维信金科 Sanwa Bank STAR LEHMAN BROTHERS Jiafang Jin CSO Hongzhe Shi CTO Ethan Gong CRO Capital One Hong Bai CFO LEX)N乐信 citibank 15% HSBC Technology- driven efficiency 15% Products and marketing 37% ■ Strategy and risk control Total headcount 762 ■ Innovation business 11% ■ Customer services Institutional mindset ■ Senior managements 5% 7% 10% (1) Back office includes finance department, internal control department, admin department, HR department and PR department 22 22
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