China Minsheng Banking : 2021 Annual Results Announcement

This presentation contains forward-looking statements that may involve risks and uncertainties. These statements are generally indicated by the use of forward-looking terminology such as believe, expect, anticipate, estimate, plan, project, goal, may, will or other similar words that express indication of actions or results of actions that may or are expected to occur in the future. You should not place undue reliance on these forward-looking statements, which apply only as of the date of this presentation. These forward-looking statements are based on information of the Bank and information from other sources we believe to be reliable. Such forward-looking statements are related to future events or the Bank's future financial, business or other performance and are subject to a number of unclear factors that could cause material difference in actual results.

Improved asset structure Proportion of loans to total assets 2.7 ppConsolidated liability structure Proportion of deposits in total liabilities 1.1 pp

Optimised operating income structure

Retail business

Proportion in total assets2.5pp

25.6%

Proportion in operating income3.2pp

41.7%

Proportion in total profits19.5pp

78.9%