2022 Interim Results

| 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

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