2022 Interim Results

| 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

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