2022 Interim Results

Appropriately 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

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