China Construction Bank : 31 Aug 2022Interim Results Introduction 2022

Overcome Challenges, Seek Steady Progress,

Continuously Enhance Core Competitiveness

2022 Interim Results Announcement

China Construction Bank Corporation

August 2022 | Beijing

Disclaimer

The information contained herein may contain certain forward-looking statements relating to the plans, beliefs, strategies and growth prospects of China Construction Bank Corporation ("CCB" or "Bank"). These statements are based on different assumptions and are subject to various risks and uncertainties. Given such assumptions, risks and uncertainties, the future facts, events, and conditions described herein may not necessarily occur and actual results may be materially different or even contrary to those anticipated or implied by the forward-looking statements. CCB and its affiliates, consultants or representatives are under no obligation to update the forward-looking statements herein as appropriate to the future.

The information herein has not been independently verified. No representations, warranties or commitments, express or implied, are made or relied upon regarding the accuracy, reliability, correctness, fairness or completeness of this document, its contents and any related written or oral

communications. This document is not intended to provide (and you should not rely on it) a complete and comprehensive analysis of CCB's

financial, business and development prospects. The Bank or any of its directors, senior management, employees, agents, shareholders, subsidiaries, branches, advisers or representatives shall not be liable for the contents of this document or any loss or damage caused by the

contents of this document or in connection with it (whether due to negligence or otherwise).

2	2022 Interim Results

In the face of a new wave of the pandemic and unexpected changes in the international situation in the first half of 2022, China Construction Bank Corporation (CCB) conscientiously implemented the decisions and arrangements of the CPC Central Committee and the State Council. Taking the enhancement of the "Three Capabilities" as the underlying principle and persisting in pursuing progress while ensuring stability, CCB strived to adhere to its digital approach, promote platform-based operations, continuously unleash the power of New Finance and achieve steadily improving business development while stabilising the economy. CCB saw rapid growth in assets and liabilities with total assets exceeding RMB 33 trillion, up 11.4%, and total liabilities up 12.2% to RMB 31 trillion. Core indicators remained positive. Net profit was RMB 161.7 billion, up 5.0 %, ROA was 1.01%, ROE was 12.59%, and NIM was 2.09%, maintaining its leading position in the industry. Asset quality was stable and controllable where the Group's NPL ratio was 1.40%, down 0.02 percentage points from the beginning of the year. Allowances to NPLs was 244%, down 2 percentage points from the first quarter.

3	2022 Interim Results

Agenda

Financial Performance

New Finance Initiative

Business Development

Risk Management

ESG

Outlook and Strategies

Industry Leading Core Indicators

(RMB billion)	30/6/2022	31/12/2021	Change
Total assets	33,689.1	30,254.0	11.4%
Net loans and advances to customers	19,694.0	18,170.5	8.4%
Total liabilities	31,007.2	27,639.9	12.2%
Deposits from customers	24,184.5	22,378.8	8.1%
NPL ratio	1.40%	1.42%	0.02ppt
	1-6/2022	1-6/2021	Change
Operating income	390.4	380.9	2.5%
Net interest income	317.3	296.1	7.2%
Net fee and commission income	68.8	69.4	0.9%
Net profit	161.7	154.1	5.0%
Annualised return on average assets	1.01%	1.06%	0.05ppt
Annualised return on average equity	12.59%	13.10%	0.51ppt
Net interest margin	2.09%	2.13%	0.04ppt

5	2022 Interim Results