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Investor Presentaiton

Continually enhanced risk management and stable asset quality Enhanced overall risk management S 中国民生银行 CHINA MINSHENG BANK Established an overall risk management system to enhance risk management Enhanced money-laundering risk management system to lay a sound foundation for business development and reform and transformation Further optimised internal control system and refined the operation mechanism of the internal control committee Revised collaborative administrative measures for audit, risk management and internal control and compliance management departments and effectively promoted collaboration of these departments on a day-to-day basis Established and promoted a specialised operation and management mechanism for distressed assets to strengthen the efficiency of disposal of distressed assets; allocated additional resources to the collection and disposal of existing problem loans and non-performing assets. The assets quality remained generally stable and the allowance to NPLs has gradually improved Strengthened the internal control and compliance guidance and management of affiliated institutions to ensure the compliant operation of Minsheng Bank and its affiliated institutions NPL ratio Down by 20 bps 2.0% 1.76% 1.56% 1.5% 1.0% 0.5% 0.0% 31 December 2018 31 December 2019 Allowance to NPLs Up by 21.45 ppts 155.50% 134.05% 100.0% 200.0% 0.0% 31 December 2019 31 December 2019 Allowance to total loans Up by 7 bps 3.0% 2.36% 2.43% 2.0% 1.0% 0.0% 31 December 2018 31 December 2019 Source: Company's Annual Report 7
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