Investor Presentaiton

KGI Bank - Efficiency Steady Cost-to-Income Ratio due to Good Control of Expenses Cost-to-Income Ratio Has Been Maintained Within a Reasonable Range During Business Expansion Cost-to-income ratio, percent 68.1 50.7 53.5 51.7 61.6 52.8 2015 2016 2017 118.6 58.2 55.3 2018 2Q18 3Q18 4Q18 1Q19 2Q19 Note: A higher cost-to-income ratio in 4Q18 was due to trading and evaluation losses; the ratio returned to a reasonable range as revenue improved Note: 2015 were the pro-forma figures post CDIB Capital Group business transfer 中華開發金控 CHINA DEVELOPMENT FINANCIAL This slide is part of a presentation by China Development Financial Holding Corporation and/or its affiliates (together, "CDF") and is intended to be viewed as part of that presentation. The presentation has not been updated since it was originally presented, and does not constitute a commitment by any CDF entity to underwrite, subscribe for or place any securities or to extend or arrange credit or to provide any other services. 24 24

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