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Thank You
September 2018
Ant Financial – The Global Leading TechFin CompanyEric Jing, Executive Chairman and CEO of Ant Financial
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It’s Technology that empowers us to redefine
Financial Services
Tech
Fin
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Global Leading Technology Capabilities ABB A S I Clockchain I ecurity oT omputingS I C
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CreditTECHInstant Credit Assessment
Mr. Luo, Local Restaurant Owner, Chongzhou
3 1 0minutes to
applysecond to get approved
and receive proceedsmanual
operation
TECH
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minutes to file
second to get approved
hours to receive reimbursement Ms. Lao, Convenience Store Owner, Guangzhou
1 22Seamless Insurance Claims Process
TECHInsur
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5 Ms. Li, General Manager, China Asset Management
2 1seconds to generate
marketing effectiveness reports
seconds to identify key
issues
second to receive optimization
recommendations
Trusted Partner for Asset Managers
AMTECH
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<5/10,000,000Payment Fraud Loss Rate1
Transforming from unified risk strategy for all users and senarios to personalized risk strategy suitable for specific transaction
Automatic response to dynamic changes within a second
Assess Payment Risk
AI Detect
Auto Risk Strategy Selection
AutopilotAuto Risk
Model Update
Evolution
Perceive Customer Behavior
Perception
Best-in-Class Risk Engine AlphaRisk
1 Based on performance figure last disclosed in March 2018
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On-site Smile-to-Pay @ KFC in HangzhouCumulative users 1390MM+
1 Figures as of August 31, 2018
Biometric ID Enables Secured Payments Everywhere
TRUST Ubiquitous Payment
Financial Grade Biometric System
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Production Grade
Charitable Donation
Global Origination Verification
Hospital e-Invoice
Smart City Initiative @ Xiong’an
Global Remittance
Mutual Insurance
High Throughput
1G Public Blockchain
2G Public Blockchain
3G Public Blockchain
25K 1
155
Transactions per Second
3K
Trusted Execution Environment
High Security and Privacy Protection
Account-Based Model with Strengthened Privacy Protection
Breakthroughs in Blockchain Technology
1 Based on performance figure last disclosed in March 2018
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Complementing Our Partners to Better Serve Customers
Consumers
Small Businesses
Technology
BASIC
Capabilities
Anti-Fraud
ID VerificationCredit Assessment
User Management
Products
Consumer FinancingSmall Business
Financing
Yu’e BaoFinancial Institutions
Use Cases
Use Cases
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Strong Momentum among Consumers and Small Businesses Monthly Active Domestic Offline Merchants2 Domestic Payment AAU1
+~200MM YoY +3x YoY1 Figure for the twelve months ended August 31, 2018 2 Figure for the month of August 2018
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Most Trusted and Preferred Digital Finance Destination using
2+ categories3 of servicesusing
3+ categories3 of servicesusing all
5 categories3 of services
~640MM~430MM ~480MM~250MM ~190MM~60MM
Last Year 1 This Year 2 Last Year 1 This Year 2 Last Year 1 This Year 2
1 Figures presented at Investor Day 2017 2 Figures as of August 31, 2018 3 Categories of financial services provided by Ant Financial include payment, wealth management,
financing, insurance and credit system.
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55%of users come to the
Alipay App for lifestyle services 1
Broadening User Engagement beyond Financial Services Transportation Entertainment Mobile Top-Up Charity Public Service & Utilites
1 Measured by the average daily unique visitors for the top 100 services during the month of August 2018
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150G
Electricity / Water / Gas Payment
Subway Transportation
ETC Payment
Walking Donation
Online Ticket Purchase Out-patient
Booking
50G
100G30G
90G
80G 350MM People Joined Ant Forest Initiative1
55MM Trees Planted1Promoting an
Eco-Friendly Lifestyle
14
1 Cumulative as of May 31,2018
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Small Businesses
1 Cumulative as of August 31, 2018
InsuranceCash
Management Unsecured
Lending
~40MM
since Nov 2017
Small Business Owners Covered1
Small Businesses Served1
~21MM
↑ ~8x YoY
Small Businesses Served1
~11MM
↑ ~1.8x YoY
Deepening Our Engagement with Small Businesses
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Enable Consumers to Pay
Globally
Enable Merchants to Collect
Globally
Enable Users to Transfer
Globally
Leveraging Our Technology to Drive Globalization
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+130% YoYTourists using Alipay
outside of mainland China1
Strong Traction for Global Pay
1 Based on AAU for the twelve months ended August 31, 2018
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Population Coverage1
~3.6 billionGLocal Business: Leading Position in Penetrated Markets
1 Combined population in 2017 covered by the 10 wallets. Figures from United Nations Population Division. World Population Prospects: 2017 Revision
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A Korean consumer using kakaopay at a local food stall
Winning with our Local Partner 2.5x YoY
AAU1 Monthly TPV2
8.3x YoY
1 Figure for the twelve months ended July 31, 2018 2 Figure for the month of July 2018
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First Blockchain-based Cross-Border e-Wallet Remittance Service
SpeedReceive funds within seconds
Availability24/7
Improved auditabilityTransparency
SecurityTraceability while safeguarding privacy
Traditional Model
n-steps
Blockchain
CostLower transaction costs
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Jointly Navigating the New Retail and Globalization Journey
Alibaba EcosystemNew Retaile-Commerce Globalization
…………
Customer Insights Full-Spectrum Use Cases
Customer Insights Lifestyle Enabler
Digital Financial Infrastructure
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Convenient Gateway to the Alibaba Ecosystem
Daily Hot Deal
Lunch Box USB Adaptor Detergent Hot Price Hot Price RMB 65 RMB 28 RMB 19.9 Group Price
95% Off Group
Parking Display Steaming PotEar Rings RMB 54.4Group PriceRMB 7.8Group PriceRMB 9.495% Off Group
95% Off Group
Koubei
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Merchants Consumers
Supply Chain Financing Enhances Ecosystem Competitiveness
~RMB11BNInventory financing disbursed in FY2018
to Cainiao's customers
~RMB150BNFinancing provided to support the 2017
Global Shopping Festival
P
urch
ase Financing Inventory Financing actoring
Inventory F
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One-stop FinLife Destination for 2BN+ Consumers Globally
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