2022 Interim Results

| 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

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