2022 Interim Results

| 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

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