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Competitive Strengths

Well-positioned to Capitalize on China's Future Growth in Both Urban Areas and County Areas

As a leading bank in China's Urban Areas, we have leveraged our extensive distribution network and large customer base to further strengthen our market position in the Urban Areas. At December 31, 2016, our loans and deposits in the Urban Areas totaled RMB6,541,294 million and RMB8,616,934 million.

We are a primary provider of financial services and a market leader in China's vast, fast developing County Areas. At December 31, 2016, our loans and deposits in the County Areas totaled RMB3,178,345 million and RMB6,421,067 million.

Extensive Nationwide Branch Outlet Network Complemented by a Multi-channel Electronic Banking System

We have a nationwide distribution network with the largest number of branch outlets among the Large Commercial Banks. As of December 31, 2016, we had a total number of 23,682 domestic branch outlets.

We maintain a strong presence in economically developed areas. As of December 31, 2016, we had 3,125, 2,555 and 3,398 branch outlets in the Yangtze River Delta, Pearl River Delta and Bohai Rim regions, respectively.

As of the end of 2016, the total number of the Bank’s internet finance customers reached 711 million.In 2016, the Bank also recorded 31,466 million financial transactions through electronic channels, the financial transactions through electronic channels accounted for 96.0% of total internet finance. We had 129,800 cash-related self-service banking facilities, 52,400 self-service banking terminals.

Large and Diversified Customer Base Providing Significant Growth Potential

As of December 31, 2016, we had approximately 3.7985 million corporate customers, of which approximately 63,000 customers had outstanding loans from us. As of the same date, we also had approximately 4,712,900 corporate RMB settlement accounts. The accounts of active cash management customer reached 1.594 million.

We believe that we have the largest retail banking customer base in China. At 31 December 2016, the balance of retail loans of the Bank amounted to RMB3,340,879 million. At the end of 2016, the number of debit cards cumulatively issued by the Bank amounted to 880 million, the number of credit cards1 cumulatively issued reached 68.63 million.

Strong Deposit Base Providing Stable and Low-cost Funding

As of December 31, 2016, we had deposits of RMB15,038,001 million.

Our retail deposits accounted for 58.6% of our total deposits at December 31, 2016. Our large retail deposit base provides us with a stable source of funding.

We have a greater percentage of demand deposits within our deposit mix. Demand deposits accounted for 55.9% of our total deposits at December 31, 2016. Having deposits primarily consisting of demand deposits enables us to maintain a lower cost of deposits compared to other commercial banks in China.

For the year 2016, our average deposit cost was 1.47%, which represents the continuous competitive strength of a lower cost of deposits among the Large Commercial Banks.

The Financial Service Ability with the Feature of Diversification, Integration and Internationalization

We own excellent investment management capability. At 31 December 2016, non-restructuring-related debt securities investments amounted to 4,789,697 million, which presents our leading market maker position in the inter-bank bond market.

We own comprehensive asset management capability. As of December 31, 2016, we had RMB9,003,902 million of assets under custody. Among them, insurance assets under custody amounted to RMB2,835,035 million. As of the same date, the balance of our wealth management products amounted to RMB1,631,196 million.

Our integrated service capability is increasingly improved. The assets of our four subsidiaries, including investment banking, funds management, life insurance and financial leasing, totaled 148,137 million at 31 December 2016 and the aggregate net profits of them increased by 48.97% in the year of 2016.

Our cross-border financial service capability is continuously strengthened. In 2016, the total volume of international settlement conducted by the domestic branches reached USD873.96 billion.As of the end of 2016, the total assets of our overseas branches and subsidiaries reached USD109,306 million.

Note: Please contact your local branch for detailed information about the service.

Customer Service Center : 95599


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