Thank You

September 2018

Ant Financial – The Global Leading TechFin CompanyEric Jing, Executive Chairman and CEO of Ant Financial

It’s Technology that empowers us to redefine

Financial Services

Tech

Fin

Global Leading Technology Capabilities ABB A S I Clockchain I ecurity oT omputingS I C

CreditTECHInstant Credit Assessment

Mr. Luo, Local Restaurant Owner, Chongzhou

3 1 0minutes to

applysecond to get approved

and receive proceedsmanual

operation

TECH

minutes to file

second to get approved

hours to receive reimbursement Ms. Lao, Convenience Store Owner, Guangzhou

1 22Seamless Insurance Claims Process

TECHInsur

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

<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

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

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

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

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

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.

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

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

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

Enable Consumers to Pay

Globally

Enable Merchants to Collect

Globally

Enable Users to Transfer

Globally

Leveraging Our Technology to Drive Globalization

+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

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

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

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

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

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

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

One-stop FinLife Destination for 2BN+ Consumers Globally