Presentation on SPDB Statistics from Annual Report 2005

2 A Young Bank 1993 Incorporation of SPDB with headquarter in Shanghai IPO and became the first listed bank on Shanghai Securities Exchange Organizational reform and formation of business lines Strategic alliance with Citigroup in Credit Cards

3 Top Ten Shareholders Shanghai International Trust and Investment Co., Ltd.(7.01%) Shanghai Industrial Investment (Holdings) Co., Ltd.(4.87%) Shanghai State-Owned Assets Operation Co.(4.85%) Shanghai International Group(4.73%) Citibank Overseas Investment Co.(4.62%) Shanghai Jiushi Corp.(4. 21%) Shenergy Co. Ltd.(1.92%) Oriental International Trade (Group) Co., Ltd.(1.92%) Shanghai Guoxin Investment & Development Co., Ltd. (1.62%) SIIC Development Co. Ltd. (1.57%)

4 Bohai Bay Yangtze River Delta Pearl River Delta Midwest Nationwide Coverage 350 banking Offices cover 42 cities 27 main branches

5 Modern Organization Board of Executives Corporate & Investment Banking Consumer Banking Treasury & Markets Risk ManagementComplianceAuditing IT & OperationHuman ResourceAdministration Risk Management Committee Asset & Liability Management Committee Joint Marketing & Promotion Committee Front Office Marketing Middle Office Control Back Office Supporting

6 Young Staff Staff Age Education Background

7 Advanced Technology We have a unified electronic data processing platform and centralized accounting data base We provide different services channels including: We have a call centre accommodating 300 seats and a national service hot line We are able to provide real time settlement for book transfer payments We have centralized documentary processing, which enable us to offer more efficient and professional services to our clients ATM Online Banking Telephone Banking ERP Connection Mobile Phone Banking

8 Continuous Innovation We issued the first dual-currency credit card which introduced foreign bank’s technology and management in China We offered custodian account service for the first industry investment fund in China We became the first joint-stock commercial bank acting as agent for foreign government loan offered to Ministry of Finance We were among the first group of banks which acquired license for gold trading and concluded the first gold leasing deal in China We were among the first six commercial banks which were granted a license of annuity management We were one of only four domestic banks which offer off-shore banking service

9 Stable Market Share SPDB has approximately 10% market shares among all the 12 Joint Stock Commercial banks

10 We have over 200,000 corporate clients and over 4,000,000 personal clients, which include Large Stated-Owned Enterprises Top 500 Multinationals Broad Client Base

11 Steady Development Billion RMB Figures in Billion RMB

12 Sound Performance

13 Results 2005 Operating Income RMB21.5bn Up 28.0% Pre-tax ProfitRMB4.2bn Up 38.8% Net IncomeRMB2.5bn Up 28.8% Earning per Share RMB0.635 Up 28.8% Return on Equity 16.01% Up 12.0%

14 Diversified Portfolio

15 Prudent Risk Control NPL Ratio % NPL Ratio % Provisioning Coverage % Provisioning Coverage %

16 Comparison with Domestic Peers Bank Name Country Rank World Rank Tier One Capital (M$) Assets (M$) Pre-tax Profit (M$) ROE % Cost/ Income % BIS % NPL % Bank of China11134,851515,9724, China Construction Bank 22523,530471,7926, Industrial & Commercial Bank of China 33220,170685, Na18.99 Agricultural Bank of China 43716,670422, Na Bank of Communications 51055,734138, China Merchants Bank61982,42872, CITIC Bank72002,37662, Shanghai Pudong Development Bank 82701,63255, China Minsheng Bank92871,51853, China Everbright Bank102951,43547, Statistics from “Top 1000 World Banks Listing” by “the Bank” July 2005

17 Ranking, Rating & Awards RatingBank Deposits Financial Strength Rating Outlook Ba1/NPDStable We rank No. 270 internationally according to the Banker Magazine “Top 1000 World Banks Ranking” Awards of “25 Most Respectable Listed Companies in China”, “Best 10 Chinese Banks for 2005”, “Best 10 Bank Cards” by the World Finance Lab

18 Client GroupsProduct Centers Corporate and Institutional Banking SME Offshore Banking Cash Management Trade Finance Investment Banking Asset Custody Annuity Business Planning Business Accounting Supporting Div. Corporate & Investment Banking Restructuring Wholesale Banking Corporate Credit Risk Management Corporate Credit Risk Assessment Asset Work Out

19 Abundant Products Corporate Financial Services ： Cash Management Solution Supply Chain Finance Solution Investment & Finance Full Solution Asset Custody Solution Annuity Solution Offshore Banking Solution

20 Allocating more resources to retail business

21 New Brand for Personal Banking

22 Dynamic Development of Personal Banking

23 Five Year Strategy Better ROE Reasonable Business Structure Effective Incentive Scheme Modern Organization and Corporate Governance Increase proportion of retail banking business against corporate banking business Increase weight of fee income business against interest income business

24 Create More Value for Investor Customer Employee Society Long-Term Perspective

25 Earning Trust and Creating Excellence To build SPDB into one of the best commercial banks