Investor Presentaiton

Average Balances and Average Interest Rates (HK$m) / % Assets Balances and placements with banks Average balance 1H2022 1H2021 Average yield Average balance Average yield 412,493 0.72% 385,213 0.80% and other financial institutions Debt securities investments and other debt instruments 1,082,644 1.30% 970,458 1.27% Debt securities investments and other debt instruments 1.72% 1.34% (adjusted)* Advances to customers and other accounts 1,638,263 1.66% 1,604,278 1.52% Other interest-earning assets 6,422 2.53% 17,715 0.70% Total interest-earning assets (HK$m)/% Liabilities Deposits and balances from banks and other financial institutions Current, savings and time deposits Other interest-bearing liabilities 3,139,822 1.41% 2,977,664 1.34% 1H2022 1H2021 Average balance Average rate Average balance Average rate 323,117 0.81% 203,553 0.44% 2,254,428 0.46% 2,263,622 0.30% 22,756 1.10% 18,178 1.09% Total interest-bearing liabilities Net interest margin Net interest margin 2,600,301 0.51% 2,485,353 0.32% 1H2022 1H2021 0.99% Net interest margin (adjusted)* Adjusted for the funding income or cost of FX swap contracts 1.13% 1.08% 1.10% 26

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