#1Overcome Challenges, Seek Steady Progress, Continuously Enhance Core Competitiveness 2022 Interim Results Announcement China Construction Bank Corporation August 2022 | Beijing wwww B#2| Disclaimer The information contained herein may contain certain forward-looking statements relating to the plans, beliefs, strategies and growth prospects of China Construction Bank Corporation ("CCB" or "Bank"). These statements are based on different assumptions and are subject to various risks and uncertainties. Given such assumptions, risks and uncertainties, the future facts, events, and conditions described herein may not necessarily occur and actual results may be materially different or even contrary to those anticipated or implied by the forward-looking statements. CCB and its affiliates, consultants or representatives are under no obligation to update the forward-looking statements herein as appropriate to the future.. The information herein has not been independently verified. No representations, warranties or commitments, express or implied, are made or relied upon regarding the accuracy, reliability, correctness, fairness or completeness of this document, its contents and any related written or oral communications. This document is not intended to provide (and you should not rely on it) a complete and comprehensive analysis of CCB's financial, business and development prospects. The Bank or any of its directors, senior management, employees, agents, shareholders, subsidiaries, branches, advisers or representatives shall not be liable for the contents of this document or any loss or damage caused by the contents of this document or in connection with it (whether due to negligence or otherwise). ● 中国建设银行 China Construction Bank 2 2022 Interim Results#3ARTI 何 VEREACHE In the face of a new wave of the pandemic and unexpected changes in the international situation in the first half of 2022, China Construction Bank Corporation (CCB) conscientiously implemented the decisions. and arrangements of the CPC Central Committee and the State Council. Taking the enhancement of the "Three Capabilities" as the underlying principle and persisting in pursuing progress while ensuring stability, CCB strived to adhere to its digital approach, promote platform-based operations, continuously unleash the power of New Finance and achieve steadily improving business development while stabilising the economy. CCB saw rapid growth in assets and liabilities with total assets exceeding RMB 33 trillion, up 11.4%, and total liabilities up 12.2% to RMB 31 trillion. Core indicators remained positive. Net profit was RMB 161.7 billion, up 5.0 %, ROA was 1.01%, ROE was 12.59%, and NIM was 2.09%, maintaining its leading position in the industry. Asset quality was stable and controllable where the Group's NPL ratio was 1.40%, down 0.02 percentage points. from the beginning of the year. Allowances to NPLs was 244%, down 2 percentage points from the first quarter. ● 中国建设银行 China Construction Bank 3 2022 Interim Results#4Agenda Financial Performance New Finance Initiative Business Development Risk Management ESG Outlook and Strategies#5| Industry Leading Core Indicators (RMB billion) 30/6/2022 31/12/2021 Change Total assets 33,689.1 30.254.0 11.4% Net loans and advances to customers 19,694.0 18,170.5 8.4% Total liabilities 31,007.2 27,639.9 12.2% Deposits from customers 24.184.5 22,378.8 8.1% NPL ratio 1.40% 1.42% 0.02ppt 1-6/2022 1-6/2021 Change Operating income 390.4 380.9 2.5% Net interest income 317.3 296.1 7.2% Net fee and commission income 68.8 69.4 0.9% Net profit 161.7 154.1 5.0% Annualised return on average assets 1.01% 1.06% 0.05ppt Annualised return on average equity 12.59% 13.10% 0.51ppt Net interest margin 2.09% 2.13% 0.04ppt ● 中国建设银行 China Construction Bank LO 2022 Interim Results#6Rapid Growth in Assets and Liabilities Rapid growth in loans 2022-6-30 2021-12-31 20,388.9 2022-6-30 8.4% 18,807.8 2021-12-31 Faster growth in assets (RMB billion) Stable growth in liabilities Substantial growth in bond investments YoY 2022-6-30 8,173.5 10.9% 2021-12-31 7,369.4 ● 中国建设银行 China Construction Bank (RMB billion) CO 6 More steady growth in deposits 24,184.5 8.1% 22,378.8 Reasonable pace in the growth of active liability Balance of deposits and placements from banks and non-bank financial institutions 2022-6-30 3,138.6 40.6% 2021-12-31 2,232.2 (RMB billion) (RMB billion) 2022 Interim Results#7| Steady Growth in Operating Income Rapid YoY growth in net interest income 1H2022 1H2021 317.3 7.2% 296.1 Credit serving economy and society NIM 2.09% Personal housing loan 5.31% pricing Inclusive finance 4.08% loan pricing Agriculture-related 4.08% 1H2022 loan pricing ● 中国建设银行 China Construction Bank (RMB billion) 7 Net fee and commission income remained stable 68.8 1H2022 1H2021 69.4 Rapid growth in transactional and financial intelligence-related fee income (RMB billion) Agency insurance +28.8% Third party credit card payment +22.6% Bond underwriting +15.2% Custody +12.4% Financial consulting +11.4% Housing reform 1H2022 +11.1% financing 2022 Interim Results#8| Net Profit Growth in Line with Expectations Steady growth in net profit Profit share by business lines 1H2022 5.0% 1H2021 154.1 161.7 Core performance indicators continued to lead comparable peers ● 中国建设银行 China Construction Bank ROA 1.01% ROE 12.59% 11.1% 26.1% (RMB billion) 62.8% 8 Profit before tax of personal banking business Profit before tax of corporate banking business Profit before tax of treasury and other businesses 2022 Interim Results#9| Balanced and Reasonable Cost Control Cost structure further optimised 1H2022 45.34% 14.17% 40.49% 1H2022 2021 42.56% 14.95% 42.49% 2020 35.90% 16.06% 48.04% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% ■Strategic costs ■Variable costs ■Fixed costs ● 中国建设银行 China Construction Bank 9 1H2021 Cost-to-income ratio remained stable 23.40% 1.18ppt 22.22% 2022 Interim Results#10| Capital Remained Adequate Maintained adequate capital 2022-6-30 13.40% Core tier-1 capital ratio 2021-12-31 13.59% 2022-6-30 13.93% Tier-1 capital ratio 2021-12-31 14.14% 2022-6-30 2021-12-31 ● 中国建设银行 China Construction Bank 17.95% Capital ratio 17.85% 10 Capital management continued to strengthen Strengthened the supervision of capital transmission mechanism and improved the capital assessment system Continuously optimised business and income structure to improve efficiency in capital utilisation Completed issuance of USD 2 billion offshore and RMB 60 billion onshore tier-2 capital bonds Embarked on forward-looking and prudent research on capital instruments and TLAC non-capital debt instruments 2022 Interim Results#11Agenda Financial Performance New Finance Initiative Business Development Risk Management ESG Outlook and Strategies#12I Coordinated to serve Pandemic Prevention and Control & Supported Economic and Social Development LE MM • • Rolled out special assistance initiatives Supported the needs of emergency capital from relevant enterprises Introduced differentiated measures in areas that are severely impacted, including special credit limits and credit approvals ° • Effectively strengthened credit management Optimised the differentiated assessment of NPLs tolerance Solidified the investigation pre- lending and investment, assessment during lending and investment process, as well as the review post-lending and investment Strengthened the monitoring of asset quality Pursued excellence in the disposal of NPLS Pursed excellence of the arrangements in continuing financing • • Provided policy arrangements to market entities significantly impacted by the pandemic, including loan principal repayment and interest payment deferrals Offered loans on preferential interest rate to customers providing rent relief Provided financial services including guarantee in financing and to entrepreneurs among specific target groups Increased reduction and exemption of service fees to enterprises in challenged industries • Promoted financial products Enhanced multi-channel promotion of financial products and services offered to enterprises that were temporarily challenged because of the pandemic Further promoted the "Jinzhihuim in" project ° • Guaranteed remote financial services during the pandemic Dynamically implemented the emergency strategy of "remote reinforcement + intelligent routing + customer service at home" Piloting "Cloud Production" to enhance capability in reusing resources across channels and regions Remote banking served 780 million visits, connection rate remained at 80% or above Supported 17 processes including credit card business and optimisation of repayment negotiation, as well as 7,000+ emergency issues including card cancellation Provided support to offline outlets, handling 5,918 emergency password resets for customers ● 中国建设银行 China Construction Bank 12 2022 Interim Results#13| Steady Progress in House Rental • With financial services as the core and market and government affairs services as the dual support to realise people's dream of "having a home to settle in❞ "CCB Home" online platform The platform had more than 40 million registered individual users and 15,800 leasing enterprises Launched enterprise-standard SaaS service and open platform services Finance side - built a complete financial services system around house rental Accelerated loans in corporate house rental • Balance of corporate house rental was RMB 121.78 billion, up 48.5% from the end of the previous year Proactively participated in pilot of REITs for indemnificatory rental housing • Explored the business model throughout the whole life cycle of affordable rental housing Selected to participate in the first batch of the project as a fund custodian and participated in strategic placement Provided a series of rental insurance products Served an accumulated of 25,800 customers, providing a guarantee of RMB 7.83 billion. Provided rent, deposit supervision and payment settlement services Cooperated with local governments to supervise rent and deposit across cities Supported various kinds of customers to complete 11.13 million lease transactions with a total value of RMB 16.7 billion • Market side - built a market servicing system to support the output of financial services "CCB Home" long term rental communities • • Created multiple types of branded communities including white- collar apartments, blue-collar apartments and industrial park dormitories Possessed over 140,000 houses . 200 long term rental communities put into operation III • Rental price index Covered 70 large and medium-sized cities tracked by National Bureau of Statistics in China Launched innovative indexes with characteristics including Beijing-Tianjin-Hebei Cities Index Government affairs side - Established government affairs services system as the anchor point for financial services Public rental housing system . The national public rental housing management information system has reached more than 300 cities, with a total of over 8 million real-time housing units The public rental housing APP has been launched in nearly 100 cities, with over 2 million newly converted individual customers Indemnificatory rental housing system • The Indemnificatory rental housing APP has been launched in nearly 200 cities in China Promoted the R&D of city management service system Leasing supervision services system Built a house rental supervision service system Supported the verification of 10.25 million housing units and completed 7.88 million contract filings ● 中国建设银行 China Construction Bank 13 2022 Interim Results#14| Continued Leading Position in Inclusive Finance Deepened platform operation "CCB Huidongni" APP 3.0 • • Over 170 million accumulated visits Over 22.5 million downloads Over 1.65 million credit customers Credit amount exceeded RMB 1.3 trillion Balance of inclusive finance loans continued to top the market Balance of inclusive SME loans (RMB billion) Took advantage of network channels • Over 14,000 outlets provided inclusive financial services 2,140.8 2022-6-30 Established an accumulated 252 inclusive finance (small enterprises) service centres 2,543 outlets were branded with inclusive finance 2021-12-31 1,873.7 Inclusive SME loan clients (Ten thousand) 225.2 2022-6-30 14.3% 2021-12-31 193.7 16.3% Enriched the system of new model products Focused on the differentiated needs among SMEs, individual businesses, agriculture-related customers, as well as upstream and downstream customers in the supply chain Served an accumulated 3.022 million customers Provided an accumulated credit • support of RMB 7.4 trillion Stepped up relief measures for market players Strengthened conversion when loan principal repayments and interest payment deferrals expired The case of the special initiative "Benefiting City, Benefiting Enterprises" Focused on inclusive finance client groups including SMEs and individual businesses while innovatively launched credit products Optimised the service model of "CCB Start-up Station" • Reached out 25 provinces and cities Provided credit support of over RMB 37 billion to over 15,000 enterprises in the Station Optimised the intelligent risk control management system Credit asset quality remained stable ● 中国建设银行 China Construction Bank 14 Merchant Cloud Loan Business Cloud Loan Good Mortgage Loan Good Business Loan Quick mortgage for individual businesses Quick loans for first time borrowers 2022 Interim Results#15| Continued Empowerment by Fintech Smart government affairs Established "Internet + Government Affairs Services" and "Internet + Regulation" platforms or application scenarios across 14 provinces and 13 cities Deepened the empowerment of the "cross- provincial government service", continuously promoted the offering of "cross-provincial government service" at smart teller machines at outlets || 3] Supported the promotion of New Finance actions Digital Housing Supported the digital transformation in housing construction, built systemic service systems including smart housing management, and capital monitoring in relation to transaction of first- and second-hand houses Rolled out in over 120 cities nationwide A Rural Revitalisation Based on technologies including Al and satellite remote sensing Launched the innovative financial service model covering agricultural industrial chain ecosystem scenarios Balance of loans in relation to farmers' production increased by about 48% Enterprise supply chain Iterated and optimised "CCB Match Plus" platform Worked with over 200,000 cross-border enterprises to connect 47 countries and regions in the world 建行 生活 G "CCB Lifestyle" Reshaped services of "Guide to Quality of Life" and independently provided by merchants Number of users increased by 33 million compared to the beginning of the year Peak value of daily active users was 4.64 million Opened over 3.7 million e-CNY accounts • • Ensured system autonomy and controllability, and safe and stable operation Accelerated the replacement of "CCB Cloud" with domestically produced infrastructure All mainframe systems such as personal loans and customer information were moved down to distributed systems In the first half of the year, 11,000 versions were put into operation, with a demand delivery rate of 98.4%, and the system operation was safe and stable Strengthened fundamental technological capabilities Strived hard for research in cutting-edge technology Artificial Intelligence Blockchain technology Big Data technology Mobile Internet Quantum computing loT technology Financial remote sensing technology Financial IT "hard technology" capability certification CCB Fintech is the only one in the financial system to be included in the list of "Science and Technology Reform Demonstration Enterprises" announced by the State Council's Leading Group for State-owned Enterprises Reform The container cloud platform was among the first batch to receive the highest level assessment and certification of "Cloud Native Technology Architecture Maturity" by CAICT Attained a total of 934 patents ● 中国建设银行 China Construction Bank 15 2022 Interim Results#16Digital Platform Operation - Continued Deepened Connection with the G Community (Government) 29 Smart government affairs platform Contracted province 230 million Registered users 2,000+ 160 million 3 billion Completed services Significant spillover effect Balance of institutional deposit exceeded RMB 5.5 trillion Balance of social security deposit reached RMB 1.9 trillion Reaching 84.5 million customers outside of the Bank Smart government affairs platform 130 billion Affairs of "cross-provincial Platform monthly active Governmental and financial government service" at outlets users payment amount Built a platform ecosystem around key scenarios including taxation, education, medical care, justice, and village services Deepened the empowerment of "cross-provincial government service" platform Over 9 million financial fund payments Integrated platform for budget management Promoted "online + offline" integrated service 14,000 Bank outlets covered all government affairs services Outlets could process, reserve and inquire on over 7,700 government affairs services Continued to promote "cross- provincial government service" with smart ATM government affair services at outlets Formed three models including national service, regional service,. and inter-provincial service Enriched governmental and financial payment service scenarios Launched over 14,000 online fee payment services Covered various business fields including real estate transactions, non-tax and social security levies, and fee payment services Over 100,000 municipal government accounts Rural three-investment supervision and property rights transaction platform 85,000 registered administrative villages Smart village affairs platform RMB 1.4 trillion in financial fund payments Integrated platform for budget management Significant spillover effect ● 中国建设银行 China Construction Bank A new bridge connecting Bank and Government 16 2022 Interim Results#17Digital Platform Operation - Continuous Innovation Empowerment with the B Community (Business) Balance of inclusive finance loan from 2018-2022 Ratio of new inclusive loans to total new loans Created a new ecosystem for co-prosperity (RMB billion) 2022.6 2021.12 2020.12 2019.12 2018.12 2017.12 400 610.1 963.2 1452.4 1873.7 2140.8 Number of platform visitors and authorised businesses on "CCB Huidongni" between 2018 and 2022 2022.6 (Ten thousand) 1604.67 768.75 22.3% Ratio of new inclusive loans customers to new corporate loan customers 1443.34 2021.12 Platform customers 639.6 98.3% 1233.41 Certified enterprises 2020.12 444.87 1013.51 2019.12 270.7 225.16 2018.12 68.1 ● 中国建设银行 China Construction Bank 17 CCB e-loan • Supply chain finance serving 70,000 enterprises "CCB Match Plus" . Over 200,000 registered users CCB Cloud Blockchain trade finance platform Industry's first recorded transaction volume over RMB 1 trillion 2022 Interim Results#18I Digital Platform Operation - Deepened Development with the C Community (Consumer) "Binary Star" platforms Building a new advantage in traffic 建行 生活 CCB Lifestyle Mobile banking CCBC APP 5.0 5.0 66 million accumulated registered users 4 million daily active users during the last week of June 1 million new customers acquired outside of the Bank in 1H2022 20.4 billion zero-asset accounts activated deposits in 1H2022 430 million users by the end of June 2.32 million new CCB Lifestyle cards in 1H2022 280,000 accumulated high-quality merchant stores 23 national chain stores launched online by the end of June 133 cities undertaking issuance of government consumption vouchers by the end of June RMB 43.1 trillion in transaction amount in 1H2022 ● 中国建设银行 China Construction Bank "Binary Star" platforms C Community user platform Private domain traffic Scenario management 156 million average monthly active users 28.07 billion transactions Customer direct sales reaching 250 million customers Cloud studio connected 15 million users through private domain Over 40 million users on House Rental Platform 7 million users on Carefree Pension Platform 13 million users on Car Lifestyle Platform Over 660 million views on "Yunong Moments" in 300 days in 1H2022 18 2022 Interim Results#19Meticulous Building of CCB Lifestyle Built diversified scenarios for local lifestyle Attracted national chain stores to join "CCB Lifestyle" is an enterprise-level mobile eco-operating platform built by the Bank in response to the trend of online and scenario-based user behaviour in the digital era which relies on the online platform model of financial technology. "CCB Lifestyle" focuses on non-financial services, supports users with high frequency local lifestyle scenarios such as food recommendation and delivery, groceries and supermarkets, account top-up, movie tickets, and such, so as to establish ecological connections with users, gather user traffic data, enhance user activity, and embed scenario-based financial services to realise customer advancement and financial services transformation. "CCB Lifestyle" extends the touch points between the Bank and customers from just financial services to all aspects of daily life and upgrading the relationship with customers from account and fund management to ecological flow. n 自 www 建行 生活 CCB C ● 中国建设银行 China Construction Bank Л BB 11 Customer Community (C) Built an online ecosystem platform to provide people with inclusive and convenient "lifestyle + finance" services to meet people's needs for a better life. Remarkable results in platform operation Achieved operation in 37 tier-one branches and 361 cities by the end of June 2.83 million activated zero-asset customers in 1H2022 Average AUM of RMB 8,500 Business Community (B) Engaged partners in various scenarios with a "zero commission" strategy, and empowered merchants to expand and operate with the platform's advantage in traffic and operational capabilities 1 million new customers acquired outside of CCB in 1H2022 Average AUM of RMB 5,200 180,000 merchants established a presence Accumulated deposits of RMB 18.1 billion Government Community (G) Proactively carried out innovative integration of government services and financial services, relieved social pain points with New Finance, and further enhanced its role in public services and social governance Undertook the issuance of government consumption coupons from 133 cities Boosted transaction to RMB 2 billion 19 2022 Interim Results#20Continued Improvement in Serving Agriculture, Rural Areas and Farmers Built a "1211" comprehensive service system for rural revitalisation by giving full play to the advantages of FinTech and highlighting the two main features of digital operation and ecosystem building Agriculture-related loans grew rapidly Built one platform "Yunongtong" rural revitalisation integrated service platform . Built "Yunongtong" inclusive finance service points offline Assisted to build 490,000 "Yunongtong" inclusive finance service points, covering nearly 80% of rural towns and administrative villages Net increase of 2.81 million new farm households with contracts signed First to connect to the national electronic social security card issuance and application platform Built "Yunongtong" APP online Achieved online transactions of financial services, convenience affairs, government affairs and e-commerce 3.17 million registered APP users with a total of RMB 11.83 billion of loans issued Agriculture-related loans. (RMB billion) 2022-6-30 2,770.8 12.4% 2021-12-31 2,465.8 ● 中国建设银行 China Construction Bank Built two agriculture-related product series "Yunong quick loan" product package online . Introduced characterised models such as "Yunongtong" owners, "agricultural insurance + credit", information building and direct data connection for featured industries Loan balance of RMB 41.04 billion, with a growth rate of 93.2% "Rural Revitalisation Loan" product package offline Launched the "High Standard Farmland Loan" product to facilitate the construction of high- quality farmland, with a loan balance of RMB 2.57 billion Launched the "Facility Agriculture Loan" product to promote the development of large-scale and industrialised agriculture, with a loan balance of RMB 1.00 billion Inclusive agriculture-related loans (RMB billion) 2022-6-30 359.0 21.5% 2021-12-31 295.4 Created a series of agriculture-related professional ecological scenarios Further improved the agriculture-related ecological scenarios and accelerated the construction of the "Yunong" service system Characteristic agricultural industrial chain ecosystem scenario Food security, dairy industry revitalisation, breeding industry. Fruit industry, vegetable industry, floral industry Constructed "Yunong" service system Rural government affairs scenario Launched 767 county (district) level "three capital" supervision platforms with better capital, source and asset management Launched 129 county (district) level rural property rights trading platforms to facilitate the flow of property rights elements Other key scenarios . . The Farmers' online social integrated service platform "Yunong Moments" achieved a total of 610 million views with a daily average of 2.177 million views Built 2,531 "Yunong Schools", and started online training sessions based on the "Jinzhihuimin" channel Service for rural areas: "Yunongtong" service points Service for agriculture: "Yunong Market", "Yunong Cooperation", "Yunong Custody", "Yunong Quick Loan", "Yunong Planting", "Yunong Farming" Services for farmers: "Yunongtong" APP, "Yunong Moments", "Yunong Schools", "Yunong Products", "Yunong Accounts" Built a series of digital risk control systems for agriculture-related finance Improved and enhanced the "Yunongtong" intelligent risk control system Strengthened the real-time monitoring of suspicious data of "Yunongtong" Created a "village chain" risk control platform to form a service point risk control model, with Big Data access to avoid risks, automated monitoring to identify risks, differentiated models to control risks, and regular investigation as well as risk management Optimised the post-loan management system for production and business loans to farmers Deployed 85 monitoring models . Strengthened the automatic identification and early warning of risks such as the use of funds, fraud risk and credit risk for agriculture-related loans Solidified the foundation of risk management for agriculture-related loans 20 20 2022 Interim Results#21| Steady Development of Green Finance • Formulated the Strategic Plan for Green Finance Development (2022-2025) and the Action Plan for Carbon Peaking and Carbon Neutrality MSCI ESG rating remained A level for two consecutive years A Green credit Balance of green loan stood at RMB 2.4 trillion, up by 23% Supported the construction of projects in the fields of clean energy, energy conservation and environmental protection, carbon emission reduction technologies, and clean coal utilisation Issued a total of RMB 56.22 billion for special carbon emission reduction loans, and RMB 4.05 billion of specialised re-lending for clean and efficient utilisation of coal Continuously optimised the green credit whitelist mechanism and issued a total of RMB 357.9 billion in green loans to whitelisted clients Green bonds . Successful issuance of RMB 10 billion green finanncial bonds and sustainability-linked bonds in the National Inter-Bank Bond Market Issued dual-currency Belt and Road themed green bonds, raising a total of USD 1.67 billion overseas Stock balance of RMB green bonds increased by over 60%, balance of foreign currency green bond investment increased over USD 200 million compared with the beginning of the year Environmental and climate risks were integrated into the entire credit business process Reasonable control of credit allocation to industries with high energy consumption and high carbon emission Underwrote green debt financing instruments with a issuance scale of RMB 25.77 billion, and an underwriting amount of RMB 16.31 billion, an increase of 135.4% and 185.7% YoY Held the online forum "China-Europe Green ESG Bond Market Interconnection" ● 中国建设银行 China Construction Bank Integrated Green Investment and Financing The Bank cooperated with CCB Investment to set up the Baowu Green Carbon Private Equity Investment Fund with a scale of 5.63 billion Created and implemented "Green Finance" direct financing vehicles with a scale of RMB2.61 billion Green finance investment scale of CCB Principal Asset Management reached RMB 29.81 billion CCB Financial Leasing actively cultivated new competitiveness in green leasing such as clean energy, green manufacturing and green construction, and invested in 21 transactions with a total of RMB 3.1 billion CCB Consulting built a "green finance + green consulting" consulting service model and carried out green credit identification pilots in coordination The balance of CCB Wealth Management's investment in the green finance sector reached RMB 40.1 billion, an increase of 383% YoY CCB Life actively invested in the fields of environmental protection, energy conservation, clean energy, green transportation and dual carbon goals, with a balance of RMB 11.61 billion, representing a CAGR of 31.7% over the past three years CCB Futures invested in 57 green bonds and equity projects, with a renewal balance of RMB 1.13 billion 24 21 2022 Interim Results#22| Full Implementation on Mega Wealth Management Financial assets of private banking clients RMB billion 2022-6-30 2,178.6 7.7% 2021-12-31 2,022.1 Financial assets of individual customers achieved a breakthrough • The balance of individual customers' financial assets exceeded RMB 16 trillion The balance of individual customers' deposits exceeded RMB 12 trillion Group's AUM maintained over RMB 6 trillion T Strategies of Mega Wealth Management Balance of wealth management products reached RMB 2.15 trillion, ranking third in the market 36.6% 63.4% 2021-12-31 Number of private banking clients No. of clients 2022-6-30 190,505 7.5% 2021-12-31 177,186 80 Improved capabilities in mega wealth management Opened up the service chain of "direct operation of long-tail customers- exclusive operation through outlets for medium- and high-end customers - 1+1+N services for private banking customers" 111 private banking centres with financial assets under management over RMB 5 billion Built the Mega Wealth Management Platform 1.0 The influence of the "CCB Long Fortune" brand continued to expand Continued penetration in the chain of "investment research investment consultant customer service" . Enhanced market research and judgment capability; Formed market research and judgement output covering the entire time series and all asset classes Enhanced product selection capability; Continued to build a multi-level product selection shelf Enhanced the ability to accompany clients; Strengthened service in the whole process of "pre-sale investor education - in-sale service post-sale companionship" Group's Asset Management business comprehensively advanced The AUM of "Longzhiying" corporate asset management platform increased by RMB 11.2 billion, with 78,000 new clients The "regional customisation" business for corporate financial products has been implemented in 21 branches Issued "Long-term Rental Carefree" special financial products, raising RMB 6.52 billion Launched asset allocation strategies for the Group's asset management business Continued iterations to optimise the functions of the CCB Mega Asset Manager System 30.2% 69.8% 2022-6-30 Proportion of cash management products Proportion of non-cash management products ● 中国建设银行 China Construction Bank 22 22 2022 Interim Results#23| "Workers' Harbour" and CCB Learning Centre Expanded Operations 种方家 • BU 劳动者港湾 ● 中国建设银行 China Construction Bank • • • "Workers' Harbour" Service expansion continued CCB Learning Centre Deepened integration of industry and education • More than 14,000 "Workers' Harbour" opened to the public 8,834 outlets have implemented the "Workers' Harbour " model Transformed and upgraded to a distinctive and differentiated service model Cooperated with 1,701 organisations including the Party and government institutions, labour unions, disabled persons' federations and charity organisations Continued expansion of services at outlets in areas of elderly-friendly assistance, rural revitalisation, green and low-carbon services. and barrier-free services Awarded the "Outstanding Social Responsibility Project of the Year" by China Banking and Insurance News 23 23 • • • • . Focusing on coordination of pandemic prevention and control together with education and training Adhered to digitalisation with a "learner-centred" approach 154,300 attendance in various training programmes 351,700 employees completed online training via CCB Learning Platform CCB's Learning Platform hosted 3,839 live webcasts with over 800 million visits The "Jinzhihuim in" project carried out 57,000 training sessions, benefitting 4.81 million attendance C 建行研修中心 CCBU 2022 Interim Results#24Agenda Financial Performance New Finance Initiative Business Development Risk Management ESG Outlook and Strategies#25Strong Support for the Real Economy via Various Approaches Strong and effective credit issuance in key regions Strengthened support to ensure the supply chain remains stable Provided integrated investment and financing services via various approaches Supported the recovery of residents' consumption RMB corporate loan balance of loans reached RMB 11.1 trillion Loans to the manufacturing industry grew rapidly . Loans to the manufacturing industry increased by RMB 202.3 billion from the beginning of the year, an increase of 14.4% Medium and long-term loans to the manufacturing industry increased by RMB 164.2 billion from the beginning of the year, an increase of 24.4% Loans to the technology industry and strategic emerging segments exceeded RMB 1 trillion Loans to strategic emerging segments increased by RMB 245.8 billion from the beginning of the year, an increase of 26.7% Loans to the technology industry increased by RMB 264.6 billion from the beginning of the year, an increase of 30.1% Loans to high-tech enterprises increased by RMB 256.9 billion from the beginning of the year Support for private enterprises continued to increase Continued to deepen the strategic cooperation with All-China Federation of Industry and Commerce Balance of loan to private enterprises was RMB 4.15 trillion, an increase of 14.5% Gave full play to the role of supply chain finance in guaranteeing, stabilising and strengthening the chain Expanded key areas such as advanced manufacturing, "specialised, refined, peculiar and new" enterprises, outstanding manufacturing enterprises, leading agriculture-related enterprises, and green industrial chains Supply chain "CCB e-Credit" provided supply chain financing support of RMB 438.9 billion to over 70,000 customers in 4,113 core enterprise industry chains Coordinated to meet reasonable capital needs in the real estate sector Balance of loans to the real estate sector was RMB 762.8 billion, an increase of 4.5% Successfully issued three real estate-related M&A notes The balance of M&A loans to key housing enterprise risk disposal projects was RMB 2.27 billion Played its role in ensuring the financial support for thermal power enterprises and coal enterprises Loans to thermal power and the coal industry were RMB 96.6 billion and RMB 62.3 billion, respectively Guaranteed financial services for key enterprises in the field of pandemic prevention and control Established a "whitelist" for key customers in key fields including pandemic prevention and control and security of people's livelihood Increased efforts in government bond subscription and underwriting . Underwrote government bonds and policy financial bonds of close to RMB 360 billion, leading the market in terms of underwriting volume Subscription of local government bonds amounted to RMB 850 billion, maintaining its top position in the market Proactively served the financing needs of real enterprises Provided direct financing for real enterprises with a scale of RMB 1.8 trillion, outperforming in the market Underwrote first batch of transition bonds, sci-tech innovation notes, and M&A notes related to the real estate industry and other innovative bonds Serving over 130,000 investment banking clients leveraging on Smart Investment Bank Ecosystem Wealth management products effectively invested in key areas in the real economy Support to the real economy reached RMB 1,257.8 billion Balance of support to infrastructure construction was RMB 127 billion Balance of support to key regions such as Beijing-Tianjin-Hebei Region, Yangtze River Delta Region, Guangdong-Hong Kong-Macau Greater Bay Area reached RMB 641.3 billion Provided high-quality financial services for credit card customers Proactively launched promotional activities. Advanced the construction of preferential merchant scenarios and speeded up the installment campaign for merchants Built an auto finance platform and "CCB Home Decoration Carnival" Increased cooperation with new energy vehicle brands to support green consumption Spending amount via credit card was RMB 1.44 trillion, and the balance of personal consumption loan was RMB 910.3 billion Optimised online personal consumption loan products Formed a contactless lending service model where the entire process is online and operated by the customer Innovated a new consumption finance model around the areas of people's lifestyle consumption and emerging consumption upgrade Served over 20 million customers with over RMB 2 trillion credit amount ● 中国建设银行 China Construction Bank 25 2022 Interim Results#26Continued Consolidation of Traditional Business Advantages Scale of infrastructure sector loans topped the market (RMB billion) Residential mortgages maintained leading position (RMB billion) 2022-6-30 5,474.1 8.0% 2021-12-31 5,067.6 • Loans of new-type infrastructure increased by 14.1% Increased support for key regional strategies and regional development strategies • New loans to key regions including Beijing-Tianjin-Hebei region, the Yangtze River Delta, the Guangdong-Hong Kong- Macao Greater Bay Area and Chengdu-Chongqing region was RMB 959.7 billion Loans to economically underdeveloped areas increased by RMB 304.4 billion Loans to central, western and northeastern regions increased by RMB 593.6 billion ● 中国建设银行 China Construction Bank C 26 2022-6-30 2021-12-31 6,479.3 6,386.6 Ranked first in the industry in terms of loan issuance, with RMB 503.1 billion in the first half of the year, over 80% of which went to customers with immediate needs Asset quality continued to lead among peers; NPL ratio was 0.25% and LTV ratio was 40.7%, showing strong resilience in the face of risk and volatility Housing reform financial business 2022-6-30 topped peers (RMB billion) 4,059.0 2021-12-31 3,852.4 Balance of provident housing fund Served 2.6 million companies and 88 million individuals that pay and deposit housing provident fund nationwide • Paid housing provident fund to over 18 million households • Accelerated the "inter-provincial access" of housing provident fund First to enable access to housing provident fund through mobile banking 2022 Interim Results#27Market Position of Corporate Transactional Business Continued to Strengthen • • • • . Asset Custody Custody scale reached two new levels of RMB 18 trillion and RMB 19 trillion in a row Custody scale of insurance assets increased by RMB 654.2 billion, ranking first in the industry Custody revenue increased by RMB 478 million, ranking first in the industry New customers under QFII custody accounted for 30% of the market, ranking first among Chinese banks Successfully won the first batch of tenders for the custody of public REITs in the national housing rental field Among the first batch of custodian banks for wealth management products for retirement savings. First in the industry to launch "Smart Custody" Wealth Connect, connecting custody and wealth management systems • • • • • Financial markets Underwrote government bonds and policy financial bonds with a total amount close to RMB 360 billion, and was in the forefront of the market in terms of underwriting volume Subscribed around RMB 850 billion of local government bonds, maintaining the first position in the market Provided bond bidding and trading services to more than 200 small and medium-sized financial institutions through "Financial Market Connect Trading Platform", taking the lead in bond distribution market Transaction volume in the RMB money market doubled Launched the "Al Trader" for money market, reducing transaction processing time by nearly 90% and conducted a total of RMB 14.2 trillion inquiries and quotations in the first half of the year Designed and developed the "Quick and Easy for SMEs" products, providing fast and efficient exchange rate hedging trading services • • . . • Investment Banking At the forefront of the market in providing direct financing to real enterprises with a deposit volume of RMB 1.8 trillion Became the main underwriter with full coverage of innovative products in the market Underwrote the first batch of innovative notes in the market, including green and low-carbon transformation bonds, serving the development of science and innovation, as well as real estate M&A notes Completed innovative projects such as housing rental REITs and housing rental asset-backed bonds Built a "3+1+N" client empowerment system based on an intelligent investment banking ecosystem to serve over 130,000 investment banking clients ● 中国建设银行 China Construction Bank 27 27 • Settlement and Cash Management Total of 12.58 million corporate renminbi settlement accounts, ranking first in the industry 902,300 new accounts opened, highest in three years • Handled 377 million settlement transactions for corporate customers, with a transaction value of RMB 219.3 trillion, an increase of 7.7% YoY . • . • Optimised "Yudao - Treasury Cloud" to strengthen inter-bank cash management service capabilities Applied the "Regulation Made Easy" to ensure the safe and efficient use of society's funds on projects for construction, agriculture and poverty alleviation Built an integrated service platform for transaction settlement in the areas of housing rental, county and rural areas and supply chain financing with "Huishibao" Provided standardised settlement services for chain stores, special government bonds and housing funds through the use of "Zhangbutong" Proactively connected with government monitoring systems for the payment of migrant workers' wages 2022 Interim Results#28| Continued Improvement of Retail Business Capabilities . • . • Innovative approaches for retail business For loan business, actively expanded the integration of online and offline customer acquisition channels and promoted innovation in the building of scenarios For deposit business, focused on finding customers around the funds, identifying the right customers through deep insights and focusing on the deepening of customer groups For e-banking business, implemented the strategy of "ecological management, strict control, traffic coordination, comprehensive empowerment and scientific evaluation" Continuously strengthened the "tiering, grouping and grading" in personal customer management system and created a flexible and universal scenario-based account servicing system Consumption Credit card Issued an aggregate of 152 million cards, ranking first in terms of net increase in card issuance Spending amount via credit cards was RMB 1.44 trillion Installment transaction volume was RMB 273.5 billion, ranking first among peers ¥ Debit card Number of cards issued exceeded 1.27 billion Spending amount via debit cards reached RMB 11.7 trillion. Personal consumption loan Credit card loan balance reached RMB 910.3 billion, ranking first in the industry Personal consumption loan balance was RMB 255.8 billion, ranking first in the industry Personal Quick Loan balance was RMB 206.9 billion Balance of retail credit continued to top the market Balance of personal loans 2022-6-30 (RMB billion) 8,087.2 • ¥ 2021-12-31 7,891.9 Personal deposits exceeded RMB 12 trillion, reaching a record high (RMB billion) Focused on user behaviour stratification, and created a "companion-type" wealth management experience Promoted the integration of payment products to create an intelligent payment engine Vigorously promoted consumption credit issuance Promoted the transformation of merchant business from product management to customer management, from single transaction to integrated services, from traditional approach to digital empowerment Supported the promotion of "Binary Star" strategy and the "inner-centre-outer ring" App traffic penetration . Customers The number of personal customers reached 730 million, with 6.44 million new customers Personal online banking users reached 398 million The Bank's WeChat account has 122 million followers with bank cards linked to their WeChat accounts, up 8.0% from last year 46.74 million customers with AUM above RMB 50,000 107 million credit card customers, ranking first in the industry • 4.91 million merchants Payment Personal mobile banking Transaction volume amounted to RMB 43.1 trillion Number of transactions was 28.07 billion Online payment Transaction volume was RMB 10.01 trillion Ranked first among peers in terms of transaction volume or customer size among payment enterprises such as Alipay, Tiktok, Meituan, Pinduoduo and JD.com Personal online banking Transaction volume was RMB 8.3 trillion. Number of transactions was 2.64 billion e-CNY Leading peers in the number of e-CNY wallet openings and merchants 97.57% were online financial transactions 2022-6-30 12,359.3 9.6% 2021-12-31 11,278.2 中国建设银行 China Construction Bank 28 2022 Interim Results#29The "Solid Foundation Project" Saw Results • Comprehensively consolidated corporate business customer base Cordinated marketing with state- owned enterprises Kept up with key projects Made a breakthrough in the administrative institutional customers Focused on key and hot topics Effectively expanded retail business customers . Consolidated the • . 8.876 million total customers, an increase of 412,000 from the beginning of the year The balance of loans to medium-sized credit customers was RMB 3.66 trillion, an increase of 14.3% 618,000 corporate payroll service customers, an increase of 17.0% 12.58 million RMB settlement accounts, ranking first in the market in terms of total volume foundation of "the first connection" . • The number of individual online users was 497 million outperforming our peers 160 million effective individual customers Deepened "the second connection" customer TIBCP customers exceeded 30 million Increased customers with AUM of RMB 50,000 and customers with over RMB 200,000 hit a record high Focused on various market players Expanded payroll service customers Focused on social security customers Tackled weaknesses in county market Increased customer acquisition through ecosystem Capitalised on opportunities in customer acquisition among students Focused on the collection and payment of funds and transaction services Expanded customers in batches along the industrial chain Focused on tackling key issues along the capital chain Focused on customer acquisition and reactivation along the service chain Focused on new market players to achieve accurate customer acquisition Focused on existing customer accounts to improve quality and efficiency ● 中国建设银行 China Construction Bank 29 Focused on basic customer scenarios. activation Focused on customer promotion by connecting the private domain Focused on wealth management client coverage Focused on synergy of assets and liabilities Focused on enhancing the amount recoverables from individual merchants 2022 Interim Results#30| Steady Development of International Business • • • Prioritising compliance and steady development in international operations Institutions network gradually improved. The Group has 190 overseas institutions located in 31 countries and regions around the world Overseas assets maintained steady growth, and the growth rate of assets under management in the RCEP region was 1.7 percentage points higher than the overall growth rate of overseas institutions Paid close attention to changes in the international situation, adhered to forward-looking risk management and flexible adjustment of response measures Strictly adhered to the bottom line of compliance management, continuously improved compliance management and risk prevention and control capabilities, and worked on plans to address short-term shocks and subsequent impacts, with overseas institutions operating in a smooth and orderly manner 1000 - - - >H+ • Supported internationalisation of the renminbi Volume of cross-border renminbi settlement was RMB 1.26 trillion, serving 24,400 cross-border renminbi customers Clearing volume of renminbi clearing bank in the UK was close to RMB 70 trillion, maintaining its status as the largest renminbi clearing bank outside Asia Fintech-driven business development Transaction volume on "Blockchain Trade (BCTrade) Finance Platform" exceeded RMB 1.10 trillion, and has been shortlisted in the "Forbes Blockchain Top 50" list for three consecutive years Realised multi-scenario coverage of the railway electronic bill of lading pilot, and innovated featured products such as "Cross-border Quick Loan- Freight Loan" and railway electronic bill of lading pledge financing • • • Implemented the decision and deployment of "stabilising foreign trade" and strengthened the guarantee of financial services for foreign trade The amount of trade financing was RMB 998.05 billion, an increase of 31.8% YoY. The amount of international factoring increased by 55.1% YoY "Cross-border Quick Loan" series products continued to provide one-stop financing services to small and micro foreign trade enterprises Fully supported the development of new foreign trade industry formats and models such as cross-border e-commerce, market procurement trade, and integrated foreign trade services ● 中国建设银行 China Construction Bank . CO Cross-border matchmaking empowered the stabilisation and solidification of the supply chain • • "CCB Match Plus" had over 200,000 registered users and published over 140,000 business opportunities Organised a total of 163 digital exhibitions and online matching events themed on key topics including "Focusing on Green Development" and "Cross-border e-commerce" in 34 countries and regions 30 2022 Interim Results#31| Characteristic Development of Subsidiaries' Businesses Steady growth in assets Total Assets of Integrated Operating Subsidiaries (RMB billion) Synergy with the Group to realise characteristic development 建信基金 ◇ 建信租赁 建信信托 建信人寿 CCB Principal Asset Management CCB Financial Leasing CCB Trust Co.,Ltd. CCB LIFE 2022-6-30 2021-12-31 ● 中国建设银行 China Construction Bank 814.6 778.6 "Longzhiying" corporate wealth management marketing platform launched four mutual fund products Developed new advantages in green leasing, achieved breakthroughs in inclusive leasing, continued to promote digital construction, and increased the proportion of direct lease and operating lease Returned to the origin of trust, expanding asset service trust; innovated green trust in support of "carbon neutrality"; maximised advantage in trust to serve weak links At the forefront among peers in terms of premium scale, premium income and premiums from new policies 中德住房储酸银行 Sino-German Bausparkasse Leveraged the characteristics and comparative advantages of the housing savings business to absorb RMB 12.08 billion of housing savings deposits in collaboration with the parent bank 建信期货 CCB Futures 建信养老 QGB Pension Management Co., LTD, 建信财险◆建银咨询 CCB P&C Insurance CCB Consulting ◆建信投资 CCB Investment 4.6% Net profit increased by 6.4% YoY, and customer equity increased by 9.1% The total assets of the Company amounted to RMB 4.01 billion, an increase of 5.2%, achieving an increase of 70% YoY in net profit Provided insurance for 2-star green building projects, with a risk Proactively exerted the dual functional servicing capabilities in consulting coverage amount of close to RMB 2.5 and engineering consulting, and provided customers with integrated billion, supporting cities on remediation work consulting service solutions The cumulative amount of framework agreement signed for market- oriented debt-to-equity business was RMB 938.21 billion, with an amount of RMB 383.39 billion materialising 建信住房 建信金融科技 CCB Fintech 建信股权 CCB Housing CCB PE 建信理财 CCB Wealth Management 建银国际 CCB International The market-oriented platform operation saw results with wide coverage and deep adoption of the government-type system, the house deposit business focused on quality and quantity development, and the indemnificatory housing project continued to advance Realised hard connection of open sharing and interconnection of system, technology and data, and soft connection of operation, service and equity The total signed investment amount of sub-funds of strategic emerging industry funds and direct investment projects was RMB 15.90 billion RMB 2.05 trillion in AUM, continued to top among large state-owned commercial banks and further expanded its advantage as a leader Ranked third in the number of IPOs completed as a bookrunner among the investment banking units of Chinese banks 31 2022 Interim Results#32| Comprehensive Enhancement of Channel Services and Outlet Competitiveness www Improved competitiveness of outlets Higher operational efficiency The average daily balance of corporate deposit per outlet was RMB 706 million, up 4.4% from the beginning of the year The average daily balance of individual deposit per outlet was RMB 820 million, up 9.4% from the beginning of the year The number of active corporate business customers per outlet was 304, up 4.3% from the beginning of the year The number of active individual customers per outlet was 11,464, up 1.4% from the beginning of the year Upgraded outlets layout . Guaranteed resources investment in channel construction in key strategic regions Promote the adjustment and optimisation of outlets layout Improved the county outlet layout with the number of county outlets reaching 4,200 Enhanced the role of flagship outlets as benchmark setters and synergy drivers Promoted the removal or relocation of inefficient outlets Advanced the restructuring of the position system at outlets Position restructuring covered all outlets • . 53,600 wealth managers to achieve multi-tasking accountabilities 31,000 employees holding account manager positions at outlets ● 中国建设银行 China Construction Bank Provided high-quality remote banking services Created the smart and agile "Smart Service" brand Expanded service scenarios • • Promoted "CCB Lifestyle" telephone and online customer service nationwide, serving 2 million visits Conducted experience activities such as "Newcomer's Gift" and guided 230,000 people to register for "CCB Lifestyle" APP Optimised service strategies . • Implemented the "cloud order grabbing" for telephone reservation and call back, and proactively served more than 60,000 visits Streamlined the transfer to manual customer services from four to two buttons, shortening the time for customers to get in line by 16 seconds Strengthened marketing assistance • • Reaching over 31 million customers through manual outbound calls Conducted intelligent outbound call programme, reaching 1.73 million customers Guaranteed asset quality • • Launched "artificial intelligent" repayment reminder service Smart robots handled the repayment reminder service for 7.416 million households, while 4.428 million households were handled manually Promoted intelligent operation of business 12 new self-service scenarios for navigation robots, serving an average of 5,638 visits per day Optimised the Al interaction for transferring to manual customer service, improved the credit card customer identity recognition rate, and increased the average daily manual service capacity by more than 5,000 calls "Smart Q&A" served 3,157 customers Created "95533 on WeChat" Launched the "CCB Customer Service" WeChat Channel, shared infographics and videos on hot topics, with an average daily viewership of over 50,000 Promoted "Cloud Express" throughout the Bank, servicing an average of over 3,000 visits daily Upgraded the menu layout of "CCB Customer Service", the average daily visits increased by 2.3 times, and the number of followers on "CCB Customer Service" exceeded 16.9 million 32 2022 Interim Results#33Agenda Financial Performance New Finance Initiative Business Development Risk Management ESG Outlook and Strategies#34I Continuously Strengthened the Comprehensive Risk Management System Firmly established a comprehensive risk management concept Covered "comprehensive areas" Embedded "comprehensive process" Promoted "all- hands participation" Cultivated "awareness on comprehensive matters" Established "global vision" Strengthened "Group-level governance" Continuously improved risk governance system Improved the risk governance structure Strengthened the three lines of defense Business operation responsibility for comprehensive risk • Risk compliance • Audit Deepened vertically The Board assumed ultimate management Board of Supervisors assumed supervisory responsibility for comprehensive risk management Senior management assumed execution responsibility for comprehensive risk management Expanded horizontally Improved the coordinated risk defense mechanism . Parent company and subsidiaries Domestic and overseas Credit Risk Operational Risk Market Risk Liquidity Risk Concentration Risk Compliance Risk Legal Risk Reputational Risk Information Technology Risk Outsourcing Risk Covered all risks Strategic Risk Fraud Risk Sanction Risk Money Laundering Risk Environmental and Climate Risks ● 中国建设银行 China Construction Bank 34 Culture Accountability Technology • Strengthened construction of the long-term mechanism for risk management Inspection Evaluation Team Improved the capability of proactive risk management Launched the construction of an enterprise-level risk management platform, promoted the empowerment of the "3R" platforms of Risk Scan & Detect System (RSD), Risk Alert & Detect System (RAD) and Risk Model Decision Making Support System (RMD), and the rollout of new functions on the "Blue Core" platform 2022 Interim Results#35Appropriately Responded to Key Risks • • • • Sustained steady and sound development of real estate loan through various measures Stabilised the allocation of real estate loan • Met reasonable capital needs of the real estate sector and supported the rigid and improved housing demands Promoted Mergers and Acquisitions • Smoothly and orderly provided financing services for M&A of real estate projects, to help defuse risks in the real estate industry Successfully issued real estate-related M&A notes Provided RMB 2.27 billion M&A loan to risk disposal projects targeting at resolving risks of distressed real estate enterprises A Proactively prevented and controlled local hidden debts • • • Continued to clarify policy requirements to ensure business compliance Established a detailed ledger of hidden debts, and formulated year-by-year settlement plans on a case-by-case basis Steady decline in the balance of hidden debts and loans, overall asset quality was controllable Expanded Housing Rental • Formed a market-oriented and systematic professional housing rental service model for supporting the construction and operation of indemnificatory rental housing A total of RMB 98.43 billion was invested in loans in support of indemnificatory rental housing and quasi-indemnificatory rental housing, supporting the supply of over 680,000 housing units Appropriately handled the scenarios where homebuyers stop paying mortagages for unfinished projects Fully cooperated to facilitate the work of "guaranteeing the delivery of housing projects, people's livelihood, and stability" Set up a special taskforce for risk prevention and control covering the head office, branches, front, middle and back offices, parent and subsidiary companies Provided comprehensive customer service, positively channeled customer emotions, and responded to customer demands in a timely fashion Proactively communicated with and reported to regulators, and actively made recommendations The balance of overdue personal housing loan related to the public concerns of homebuyers stopping paying mortgages was RMB 800 million, accounting for 0.012% of personal housing loan balance; NPL amount was RMB 400 million, accounting for 0.0063% of personal housing loan balance Strictly implemented the policy of deferral in principal repayment and interest payment • • . . Continued to implement deferral in repayment policy in accordance with market-oriented principles for inclusive SME loans due before 31 December 2022 For housing mortgages, consumer loans and other businesses, introduced relevant service policies such as deferral of repayment, such as short-term deferral of repayment for up to 28 days, and periodic adjustment of billing plans Accurate and prudent classification, taking into account factors such as the borrower's business capacity, solvency and impact of the pandemic Inclusive SME loan extension had limited impacts on asset quality with controllable risks, and could efficiently relief temporary repayment difficulties of SMEs The balance of NPLs in the deferred repayment for personal housing loans was RMB 75 million, and the overall risk was controllable Among the outstanding credit card loan customers with deferred repayment, the non-performing amount overdue for over 90 days was RMB 39 million ● 中国建设银行 China Construction Bank 35 2022 Interim Results#36| Overall Asset Quality Remained Steady Overdue loan ratio remained stable NPL ratio steadily declined Allowances to NPLs declined Proportion of SMLS decreased Allowances to total loans continued to meet regulatory requirements 2022-6-30 0.97% 2022-6-30 1.40% 2022-6-30 2022-6-30 2022-6-30 244% 2.63% 3.43% 2021-12-31 0.94% 2021-12-31 1.42% 2022-3-31 246% 2021-12-31 2.69% 2021-12-31 3.40% Promoted the post-loan and post- investment management at different layers and groups of customers with large loan and investment amount Successfully managed several major projects by coordinating the use of creditors' committee mechanisms and market-oriented debt-to-equity swaps and other approaches • Strengthened risk information sharing and risk mitigation and disposal Accelerated the flow of credit funds through effective management and timely disposal of non-performing assets Made full and effective use of the new disposal policy Continuously strengthened asset quality control Made full use of the two write-off conditions of "public health emergency" and "acceptance of bankruptcy" to constantly increase loss absorbing capacity Improved the integrated management and disposal capabilities of non-performing assets of the Group Optimised the comprehensive application and promotion of functions including property tracing model, assisted approval, intelligent compliance management and corporate debt collection APP Cash recovery and recovery rate of non-performing loans continued to lead the industry ◆ 中国建设银行 China Construction Bank 36 2022 Interim Results#37Effective Asset Quality Control of Key Segments 1 E = Inclusive finance 1.19% -0.05ppt SMES 1.61% -0.16ppt Wholesale & retail industry - 0.22ppt 1.77% Personal residential mortgage 0.25% +0.05ppt Personal business 0.64% -0.08ppt HI Private enterprises 3.76% +0.03ppt Manufacturing 3.47% industry -0.73ppt Infrastructure sector 1.44% Consumer loans 0.85% -0.13ppt Yangtze River Delta area 0.88% -0.04ppt - 0.14ppt *The percentages refer to non-performing loan ratios; data are compared to the beginning of the year ● 中国建设银行 China Construction Bank 37 37 2022 Interim Results#38Agenda Financial Performance New Finance Initiative Business Development Risk Management ESG Outlook and Strategies#39Constantly Improved Governance Structure, Effectively | Conducted Green Operation . . The Board of Directors Put forward the overall strategic objectives of "striving to become a bank with world-leading sustainable development" and 15 key tasks Identified the ESG responsibilities of the Board of Directors and relevant special committees Supervised ESG information disclosure Social Responsibility, Related Party Transactions and Consumer Rights Protection Committee Invited experts to share the focuses of ESG ratings and the emerging trends of global climate risks and related practises Followed up on the quality of green financial assets, product innovation, talents and progress of sustainability disclosure Supervised the implementation of financial consumer rights protection consulting projects Urged management to continuously improve the management level of related party transactions Risk Management Committee Emphasised the importance of green transition risks and incorporated green finance into risk appetite analysis Continuously consolidated the foundation of ESG- related data and strengthened the establishment of professional institutions and talents Made full use of relevant stress test results to adjust existing industry-specific credit policies Promoted the construction of an ESG rating system for corporate clients Board of Supervisors Put forward relevant supervisory suggestions in terms of strengthening ESG top-level design, consolidating foundational management, and improving capacity building Emphasised systematic research on economic transition, green and low-carbon technologies, energy conservation and environmental protection, and information disclosure standards Proactively explored the establishment of a carbon footprint management system • Management Researched and deployed the services for carbon peaking and carbon neutrality, as well as key tasks in relation to green finance Formulated goals and tasks such as tapping the potential of green development and prudently responding to environmental and climate challenges Optim sied the ESG information disclosure system Proactively participated in the discussion and construction of domestic and overseas rating and disclosure standards ● 中国建设银行 China Construction Bank Created an enterprise- level "Carbon Ledger" Strengthened Green Operation Increased green procurement 田 Continued to promote the construction of green outlets and green offices Strengthened energy saving in technology and management • • Created personal and corporate financial services based on the "Carbon Ledger" Promoted carbon emission reduction accounting for employee scenarios Practised the whole process of green procurement, prioritised suppliers with energy-saving, environmental protection or green qualifications, and incorporated environmental protection and energy efficiency-related indicators into the evaluation process Steadily built a recycling mechanism for waste materials Formulated CCB's Green Procurement Products Catalogue Identified the requirements for location selection, design, construction and operation of green outlets Promoted the implementation of electronic transactions at outlets Established customer online appointment, online and offline order distribution, reservation to home, reservation to outlets models Formulated carbon emission statistical accounting standards. Completed the inventory of carbon dioxide emissions throughout the Bank. Established mechanisms including the classification and statistics of environmental data, regular monitoring and diagnosis Explored the whole life cycle management of electronic documents Used "green design" to build or renovate office space Continuously adjusted and optimised lighting management strategies Developed a carbon emission management platform 39 2022 Interim Results#40| Continuously Strengthened Consumer Rights Protection . • complaints Adhered to the "people-centered" development idea and "customer-centered" concept to continuously strengthen the construction of consumer right protection capabilities Attached great importance to customer complaints management Strengthened detailed management of Increased the frequency and intensity of complaint notification Formed a one-to-one complaint analysis and diagnosis report for branches Continuously strengthened the application of complaint data analysis Further strengthened complaint handling and management training • • . . Proactively carried out consumer rights protection publicity and education work Promoted a series of publicity activities themed on "Warm Consumer Rights Protection" Organised and carried out financial knowledge education activities Created a digital consumer rights protection education section Conducted special education activities among key customer groups Created a system of consumer protection courses which were well-received among employees ● 中国建设银行 China Construction Bank Ecc • Continuously improved the review and management of consumer rights protection Conducted strict inspection into the process and took consumer rights protection inspection as the key measure in the entire consumer rights protection process Developed an online consumer rights protection review system, integrated and reconstructed the online process of consumer rights protection inspection in the Bank Provided tailored products and services for specific consumer groups 40 40 • Enhanced customer information security management Conducted re-examination of the rules and regulations and product service agreements Continuously improved the control mechanism of the personal information security management system Regularly carried out employee warning and compliance education activities Optimised services for special client groups such as the elderly • • • Built "special service outlets for the elderly" Equipped with intelligent characteristic equipment Deepened characteristic service for the elderly Innovated characteristic products for the elderly 2022 Interim Results#41Comprehensively Fulfilled Social Responsibility Increased financial support Loan balance of areas lifted out of poverty was RMB 812.12 billion, an increase of 8.8% Loan balance of key counties for national rural revitalisation was RMB 99.01 billion, an increase of 8.9% Issued the Notice on Financial Assistance to Areas Lifted Out of Poverty Including Key Counties for National Rural Revitalisation in 2022 Supported areas lifted out of poverty in establishing a development model for the entire agricultural industry chain Fully served rural infrastructure. construction Supported the development of leading enterprises in agriculture and related industries Coordinated integrated service Sold RMB 570 million of agricultural products in areas lifted out of poverty through E.ccb.com "Shanfutong" served 282 customers in the agricultural industry chain, achieving a transaction volume of RMB 5.45 billion, up 176.9% YoY "CCB Yunongtong" comprehensive service platform for rural revitalisation covered close to 80% of the rural towns and administrative villages in China The "Jinzhihuim in" project carried out 57,000 training sessions, benefiting 4.81 million people Provided policy arrangements such as deferral in principal repayment and grace period for SMEs Increased financial support for groups including SMEs and individual businesses, and strengthened the development of online and offline channels Improved county layout with 4,200 county- level outlets Set up 19,767 ATMs and 13,733 smart teller machines in the counties Mobile financial service vehicles launched in more than 10 provinces (autonomous regions), including Inner Mongolia, Qinghai and Tibet Built an online digital customer operation platform of "CCB Lifestyle" to effectively activate long-tail customers and zero-asset customers Optimised the interactive process of mobile banking registration, login and investment and wealth management services, and lowered the threshold of using financial services through mobile channels Promoted the construction of a talent team throughout the Bank Promoted the implementation of the Talent Development Plan During "14th Five-year Plan" Period Implemented major talent projects and special talent plans around key areas of the Bank's reform and development Built a training system that runs throughout the career cycle of employees Launched a certification system for fostering customer relationship managers and wealth managers Improved the examination system for professional and technical positions Encouraged and supported employees to obtain internal and external professional qualification certifications Promoted wealth manager qualification certification throughout the Bank Launched the pilot of the new. professional certification training programme for Corporate Financial Consultants (CFC) Created an online window for employees. to expand their global vision Over 100,000 employees of the Bank obtained the qualification of CCB Financial Planner (CUFP) Proactively cooperated with educational institutions and universities to conduct talent training Jointly established the "Data Analyst" certification programme with the University of Hong Kong Co-organised the Master in Fintech programme with the Hong Kong University of Science and Technology Launched the joint training project of "Master in Rural Revitalisation Finance" with Zhongnan University of Economics and Law Established a routine mechanism of "I walk the talk for employees" Increased front-line support for base-level employees Conducted lectures on caring for employees' mental health Improved the democratic enterprise management system by using employees' congress system as the basis . Proposal collection and handling system Employee representatives adopting the base-level system Employee representative inspection system Valued the voice of employees With the help of the Voice of Experience (VOX) user community, more than 2,000 typical experience problems and suggestions from the base-level were collected, sorted and generated RMB 4 million charitable donations to CCB Hope Primary Schools and continued the construction of "Five Rooms of Hope Primary School" RMB 8 million charitable donations to the growth plan of high school students, targeted to reward 2,700 disadvantaged students who achieved excellent results RMB 8 million charitable donations to "Health Express for Mothers" to purchase health vehicles for areas with less developed medical conditions RMB 5 million charitable donations to "Building a Home for Good" rural revitalisation public welfare project to support the construction of beautiful villages RMB 1 million charitable donations. to the public welfare project for the ecological and environmental protection of Sanjiangyuan National Park Organised the Bank's "Top 30" public welfare awards 01 Lil Consolidated the poverty alleviation achievements Improved the access of financial services Strengthened human capital development Strengthened protection of employees' rights and interests and employee care бб Attached importance to charity ● 中国建设银行 China Construction Bank 41 2022 Interim Results#42External Recognitions ● 中国建设银行 China Construction Bank The Banker The Banker Database TOP 1000 WORLD BANKS 2020 World Ranking: 2 Country Ranking: 2 Forbes 亚洲银行家 THE ASIAN BANKER® The Banker (UK) Ranked 2nd in the "Top 1000 World Banks" Forbes (US) Ranked 5th in the "Global 2000" The Asian Banker (Singapore) Best Retail Bank in Asia China's Best Inclusive Finance Banking Practice OF STARS CHINA AWARD 2021 周南 末方 中国银行保险报 CHINA BANKING AND INSURANCE NEWS FINANCE Global Finance (US) The Best Sub-Custodian Bank in China Southern Weekly Business Role Model in Responsibility China Banking and Insurance News "Workers' Harbour" named the Annual Excellent Social Responsibility Project in China's Financial Industry 42 2022 Interim Results#43Agenda Financial Performance New Finance Initiative Business Development Risk Management ESG Outlook and Strategies#44| Opportunities and Challenges ● 中国建设银行 China Construction Bank Opportunities China's pandemic prevention and control achieves positive results Domestic macro economy remains resilient, with sufficient macro policy adjustment tools Fiscal policies effectively make up for insufficient social demands, and make good use of funds from local government special bonds Strengthen the implementation of prudent monetary policies, and give full play to the dual functions of monetary policy tools in adjusting credit aggregate and structure Growth of infrastructure investment remains at a relatively heightened pace Accelerating development of new growth drivers such as high-end manufacturing industries, strategic emerging industries, science and technology innovation enterprises and green industries Development of key regions increases at pace A new development paradigm of dual circulation that allows the domestic and overseas markets to reinforce each other is taking shape at a faster pace The diversified and multi-level financial needs of customers are gathering pace • • • External environment has become more complex and challenging Slowing global economic growth, high inflation, and the ongoing Russia-Ukraine conflict Major developed economies have tightened monetary policies at a faster pace Frequent and scattered resurgence of Covid-19 cases in Mainland China The recovery of the domestic economy needs consolidation, and structural inflationary pressure may increase in the short term The recovery of domestic consumption faces pressure from low household income, challenges in the job market and restricted consumption scenarios Difficulties still exist when proactively expanding effective investment The foundation of the recovery of the service sector remains weak Stablising the housing market will take time Risks in the international financial markets are steadily increasing Supervision and compliance requirements at home and abroad continue to increase Challenges 44 2022 Interim Results#45| Economic Outlook Global economic growth may further slow down The Russia-Ukraine conflict, energy and food crisis, rate hikes of major economies, and resurgence of Covid-19 may continue to impact the global economic situation in the second half of the year Fed's interest rate hikes weaken demand-driven inflation and curb the momentum of US inflation, but it is difficult for inflation to ease in the short term The relatively high reliance of the Eurozone on Russian energy, sustained high energy prices and the risk of energy supply disruption may become the major constraints to economic growth in the Eurozone Downward pressure on the Japanese economy from rising prices still exists, and the sharp depreciation in the Japanese yen may place Japanese monetary policy in a dilemma Rising inflation, debt overhang and food crisis add to the risks of emerging economies' development Forecast of 2022 economic growth IMF World Bank Global 3.2% 2.9% China 3.3% 4.3% US 2.3% 2.5% Eurozone 2.6% 2.5% The domestic economy would remain in normal growth range if the pandemic is under control, unleashing huge growth potential Since May, the marginal improvement of various economic indicators has been notable, and the recovery of domestic demand has accelerated The effect of the package of policies issued by the government to stabilise growth is gradually becoming apparent, and the recovery of industrial and supply chains is accelerating, which will effectively drive a significant rebound in China's economy in the third quarter Effects of fiscal policies are becoming apparent, strengthening investment in infrastructure through the issuance of special treasury bonds and advancing the 2023 local special bond issuance quota, while adhering to tax and fee reduction Monetary policy will give full play to the dual functions of adjusting credit aggregate and structure, further lowering the RRR and adjusting interest rates in a structural manner to promote the rebound of growth in social financing, as well as unblocking the transmission channel from "monetary easing" to "credit expansion" Under the guidance of the national industrial upgrading policy, investment in high-tech industries, strategic emerging industries, intelligent manufacturing, green manufacturing, new energy vehicles and other industries will receive strong support from the financial industry Maintaining the robust export expansion in the second half of the year could be challenging, given the current slowdown in expansion of the global economy and trade The domestic economy remains resilient, and its economic development competitiveness remains unchanged, such as having a broad market, comprehensive industries, and large room for upgrading. The positive growth momentum in the long run continues The domestic economy would remain in normal growth range ● 中国建设银行 China Construction Bank 45 2022 Interim Results#46| Key Focuses In the Second Half of 2022 Shoulder the responsibility as a large bank Fully support stable recovery of the economy Support the nation's regional development strategies, and pursue excellence in providing financial services to key regions and industries Cut fees and benefit enterprises to help them overcome difficulties, and support "six priorities" and stability in six areas . Continue to improve the operational quality and efficiency revolving around value creation Maintain balanced and coordinated development of core indicators, and realise coordinated development of assets and liabilities. Coordinate and promote the reasonable growth in income from intermediary business. Strengthen integrated operation, and give full play to synergistic advantage Deepen platform thinking Promote high-quality development Transform thinking modes- deepen the understanding of the platform operation Enhance capability - consolidate the foundation of the digital platform Cultivate an ecosystem - strengthen the nature of opening and sharing . Promote the implementation of New Finance The First Curve and the Second Curve advance together Housing rental shall continue to improve the comprehensive service ecosystem, and strengthen the coverage of full-chain financial. services Inclusive finance will strengthen the foundations of products, customers and risks, exploring and building an inclusive business model that integrates online and offline Fintech needs to deeply implement autonomous and controllable projects for core technologies to provide high-quality fintech support for the business development of the whole Bank Green finance needs to expand the allocation of green assets, and support the low carbon transition Accelerate the team-building of Mega Wealth Management strategy, and strive to achieve breakthroughs in key areas Rural revitalisation needs to further expand business in counties, improving the competitiveness of the Bank in counties and rural villages Strengthen development foundation Expand clients and accounts Focus on clients and accounts expansion Strengthen capability in the integrated operation of clients Deepen digital operation Coordinate development and security Continue to strengthen comprehensive risk management Strengthen the management and control of asset quality Strengthen the foundation of internal control and compliance Promote the expansion and upgrading of intelligent risk control Resolve risks of key areas in a prudent and ordered manner Pursue excellence in consumer rights protection work ☑= ● 中国建设银行 China Construction Bank Bo 46 ( 2022 Interim Results#47Thank You 中国建设银行 47 2022 Interim Results China Construction Bank