United States Federal Financial Institutions Regulatory Commission

China Banking Regulatory Commission

Moody’s

Standard & Poor’s

Dagong International

In the integrity

1

Capital adequacy

Capital adequacy

Capital adequacy

Capital adequacy

Capital adequacy

Financial factors

2

Asset quality

Asset security

Asset quality

Credit Risk and Management

Asset quality

Risk management

3

Management

Management

Company structure

Company structure

Company structure

4

Profit level

Profit level

Profit level

Profit level

Profit level

5

Fluidity

Fluidity

Fluidity

Fluidity

Fluidity

6

Social sensitivity

Social sensitivity

Macro situation

Macroeconomic and Industry risk

Operating environment

External environment

7

Regulatory environment

Market risk and its management

Operating value

Operational factors

8

Management and its strategy