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Investor Presentaiton

• Financial leasing: Rate of return maintained at a high level • The Company continues to optimize the structure of interest-earning assets to maintain higher net interest spread and net interest margin With extensive experiences and knowledge in industry, the Company continuously improves customer service capabilities and enriches service methods to achieve better asset structure and realize higher profit Net interest spread (NIS) Net interest margin (NIM) 2.9% 3.0% 2.8% 2.0% IIII 1.2% 2011 2012 2013 2014 2015 2016 4.4% 4.3% 4.5% 3.9% 3.8% 3.3% 3.5% 3.7% 3.8% 4.1% 3.2% 3.0% 3.1% 2.9% 2.6% 2.5% 2.3% 1.8% 2.0% 2.2% 2017 2018 2019 2020 2021 2022 1H Commercial banks 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 1H Notes: 1. The net interest spread data of commercial banks is the average of the data of Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications from 2011 to 2021 2. The net interest margin data of commercial banks is the average of the data from 2011 to 2021 according to the statistics of the China Banking and Insurance Regulatory Commission, source: Wind 22 Commercial banks 2.4%
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