Investor Presentaiton

口中銀香港(控股)有限公司 BOC HONG KONG (HOLDINGS) LIMITED Notable Improvement in Cost Efficiency HK$m Stable Operating Expenses Market-beating Cost-to-Income Ratio 54.7% 51.9% 10 11 216 7 7,826 7,582 1H2021 Staff Premises & Depre- Others 1H2022 Costs Equipment ciation & Amorti- sation * 30.3% 28.7% 1H2021 1H2022 Market Average BOCHK Market data source: HKMA *1Q2022 18

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