2022 Interim Results

Continued Improvement in Serving Agriculture, Rural Areas and Farmers Built a "1211" comprehensive service system for rural revitalisation by giving full play to the advantages of FinTech and highlighting the two main features of digital operation and ecosystem building Agriculture-related loans grew rapidly Built one platform "Yunongtong" rural revitalisation integrated service platform . Built "Yunongtong" inclusive finance service points offline Assisted to build 490,000 "Yunongtong" inclusive finance service points, covering nearly 80% of rural towns and administrative villages Net increase of 2.81 million new farm households with contracts signed First to connect to the national electronic social security card issuance and application platform Built "Yunongtong" APP online Achieved online transactions of financial services, convenience affairs, government affairs and e-commerce 3.17 million registered APP users with a total of RMB 11.83 billion of loans issued Agriculture-related loans. (RMB billion) 2022-6-30 2,770.8 12.4% 2021-12-31 2,465.8 ● 中国建设银行 China Construction Bank Built two agriculture-related product series "Yunong quick loan" product package online . Introduced characterised models such as "Yunongtong" owners, "agricultural insurance + credit", information building and direct data connection for featured industries Loan balance of RMB 41.04 billion, with a growth rate of 93.2% "Rural Revitalisation Loan" product package offline Launched the "High Standard Farmland Loan" product to facilitate the construction of high- quality farmland, with a loan balance of RMB 2.57 billion Launched the "Facility Agriculture Loan" product to promote the development of large-scale and industrialised agriculture, with a loan balance of RMB 1.00 billion Inclusive agriculture-related loans (RMB billion) 2022-6-30 359.0 21.5% 2021-12-31 295.4 Created a series of agriculture-related professional ecological scenarios Further improved the agriculture-related ecological scenarios and accelerated the construction of the "Yunong" service system Characteristic agricultural industrial chain ecosystem scenario Food security, dairy industry revitalisation, breeding industry. Fruit industry, vegetable industry, floral industry Constructed "Yunong" service system Rural government affairs scenario Launched 767 county (district) level "three capital" supervision platforms with better capital, source and asset management Launched 129 county (district) level rural property rights trading platforms to facilitate the flow of property rights elements Other key scenarios . . The Farmers' online social integrated service platform "Yunong Moments" achieved a total of 610 million views with a daily average of 2.177 million views Built 2,531 "Yunong Schools", and started online training sessions based on the "Jinzhihuimin" channel Service for rural areas: "Yunongtong" service points Service for agriculture: "Yunong Market", "Yunong Cooperation", "Yunong Custody", "Yunong Quick Loan", "Yunong Planting", "Yunong Farming" Services for farmers: "Yunongtong" APP, "Yunong Moments", "Yunong Schools", "Yunong Products", "Yunong Accounts" Built a series of digital risk control systems for agriculture-related finance Improved and enhanced the "Yunongtong" intelligent risk control system Strengthened the real-time monitoring of suspicious data of "Yunongtong" Created a "village chain" risk control platform to form a service point risk control model, with Big Data access to avoid risks, automated monitoring to identify risks, differentiated models to control risks, and regular investigation as well as risk management Optimised the post-loan management system for production and business loans to farmers Deployed 85 monitoring models . Strengthened the automatic identification and early warning of risks such as the use of funds, fraud risk and credit risk for agriculture-related loans Solidified the foundation of risk management for agriculture-related loans 20 20 2022 Interim Results

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