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2026 Interim Results Announcement Maintain Stability while Enhancing Quality and Efficiency Steadily Advance High-Quality Development August 2026 | Beijing, Hong Kong
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2 Disclaimer The information contained herein contains certain forward-looking statements relating to the plans, beliefs, strategies and growth prospects of China Construction Bank Corporation ("CCB" or the "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 and its contents. It is for investors' reference only. Investors should not rely on this document and the relevant information in this document to make investment decisions. 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).
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Contents Financial Performance High-Quality Development Future Outlook
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4 Steady Growth Driven by Scale and Efficiency Profit before provisions RMB 426.333 billion, up 10.48% YoY ROA ROE NIM 0.74% 9.52% 1.37% Capital adequacy ratio 19.42% Cost-to-income ratio 22.17% Operating income Net profit Key indicators remained well balanced Profit growth continued to improve quarter-on-quarter Maintained stable growth in assets and liabilities 45.63 47.33 Total Assets 41.95 43.49 Total Liabilities 2025-12-31 2026-6-30 3.72% 3.69% (RMB trillion) RMB 328.010 billion, up 13.07% YoY RMB 171.677 billion, up 5.56% YoY
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5 Structural Optimisation Accelerates Transformation Momentum 27.77 29.34 12.90 13.99 2025-12-31 2026-6-30 Gross loans to customers Financial investments 5.65% 8.48% Down by 30 basis points YoY Interest-bearing liabilities cost ratio Expanded low-cost settlement deposits Enhanced integration across deposit and WMPs Strengthened differentiated pricing management RMB 310.958 billion, up 8.46% YoYNet interest income RMB 115.375 billion, up 16.31% YoY Contribution increased by 1.36 percentage points YoY Net non-interest income Maintained healthy loan and bond investment yields Precise and efficient asset allocation Effective control of liability costs More diversified earnings sources (RMB trillion)
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6 Enhanced Efficiency and Strengthened Operational Quality Cost-to-income ratio Fell by 1.55 percentage points YoY Maintained disciplined control over general expenses Enhanced financial support in customer marketing and technology operations Provision coverage ratio Non-performing loan ratio 1.29% 238.69% Capital replenishment Achieving TLAC requirement Coordinated Progress Further deepened comprehensive cost control Robust and effective risk management Balanced short- and long- term capital objectives
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7 Robust Cash Payouts to Shareholders RMB 2.01 per 10 shares Interim cash dividend for 1H 2026 685.03 695.03 727.53 765.03 800.04 815.04 910.04 972.54 1000.04 1007.54 1016.84 0 200 400 600 800 1000 1200 2015年度 2016年度 2017年度 2018年度 2019年度 2020年度 2021年度 2022年度 2023年度 2024年度 2025年度 Historical dividend distribution (RMB 100 million) FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 Total dividend of approximately RMB 52.582 billion Dividend payout ratio 30% 31%
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Contents Financial Performance High-Quality Development Future Outlook
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9 Strengthened Support for the Real Economy While Enhancing the Quality and Efficiency of Financial Services 绿色金融Technology Finance RMB 48.774 billion Achieved more solid progress in supporting the "Five Key Priorities" 绿色金融 Underwrote 34 tranches of green non-financial bonds, totalling RMB 15.481 billion Issued USD 1 billion of green bonds overseas and RMB 3 billion of offshore green renminbi bonds Maintained MSCI AAA ESG rating Green Finance Inclusive finance Balance of inclusive loans for micro and small enterprises Continued to implement the financing coordination mechanism to support small and micro enterprises Number of inclusive loan customers for micro and small enterprises RMB 4.09 trillion 3.82 million customers Pension finance Launched the “Wellness Living” platform covering senior care, healthcare, learning, leisure and social contribution Corporate pension accounts Up 33% Digital finance Deployed AI across more than 600 scenarios in key business areas, including marketing, customer service, investment advisory, operations, risk control, and corporate management Pillar 2 AUM of CCB Pension Management RMB 800.733 billion Up 10.70% Up 8.95% Personal customers online 592 million customers e-CNY consumption value RMB 7.048 billion Up 14.68% Underwriting of sci-tech innovation bonds RMB 6.53 trillion Green loan balance Built an integrated "Five-pronged" technology finance framework Enhanced "Shanjian Technology" evaluation tool Leveraged comprehensive financial solutions Sustained double-digit growth in technology lending Provided well-regulated and orderly equity financing services for emerging and future industries
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10 Refined "Shanjian Intelligent Manufacturing" and "Shanjian Strong Foundations" initiatives • Manufacturing sector loan balance reached RMB 4.15 trillion, up 17.95% • Maintained steady growth in lending to key sectors, including infrastructure Actively supported major national regional development strategies • RMB-denominated corporate loans in Beijing-Tianjin-Hebei region, Yangtze River Delta and Greater Bay Area increased by 0.68 percentage points Enhanced and expanded "Yunong" rural finance services • Agriculture-related loans increased by 4.96% Supported high-quality development of private enterprises • Private enterprises loan balance reached RMB 7.36 trillion, up 9.42% Further strengthened financial support for urban renewal initiatives Enhanced support for growth in key areas Targeted support for domestic demand expansion and consumption growth Stronger support for high-level opening-up Actively implemented interest subsidy policies • Issued RMB 1.08 trillion new loans to service-sector businesses • New loans extended to key sectors under the interest subsidy policies granted to medium, small and micro enterprises exceeded RMB 33 billion • Consumption spending eligible for personal consumer loan interest subsidy policies exceeded RMB 130 billion Supported residents' essential housing needs and diversified needs for better housing • Residential mortgages reached RMB 5.92 trillion • Issuance in residential mortgages in first half of 2026 exceeded RMB 300 billion Deepened integration of financial services with consumer spending scenarios • Personal consumer loan balance reached RMB 806.8 billion, up 14.59% • Credit card loan balance totaled RMB 934.7 billion, maintaining an industry leading position • Facilitated disbursement of more than RMB 1.9 billion in government consumption subsidies • Loans to key livelihood-related consumption sectors, including elderly care, culture, tourism, sports, healthcare, and education, exceeded RMB 1 trillion Optimised cross-border trade business processes • International business loan balance reached RMB 2.03 trillion, up 24.57% • "Cross-Border Quick Loan" products provided RMB 53.752 billion in cumulative financing support to micro and small foreign trade enterprises • Loan balance to Belt and Road countries and regions reached RMB73.806 billion Supported development of free trade zones and international financial centres • Provided strong support for development of Hainan Free Trade Port and the Shanghai International Financial Centre • Supported Hong Kong in consolidating and enhancing its position as an international financial centre • Actively promoted development of offshore renminbi market Strengthened Support for the Real Economy While Enhancing the Quality and Efficiency of Financial Services (Cont'd)
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11 Maintained a Customer-Centric Approach with Continued Enhancement of Comprehensive Service Capabilities Continued to advance the commercial banking and investment banking integration • Non-financial enterprise debt financing instrument underwriting volume reached RMB 268.678 billion • M&A loan balance reached RMB 287.936 billion • Equity investment business advanced in an orderly manner Enhanced synergies between corporate and retail banking businesses • AUM of payroll disbursement customers increased by RMB 663.7 billion • Net increase of social security cards exceeded 3 million • Acquired merchant transaction volume reached RMB 1.79 trillion Advanced the integrated development of domestic and foreign currency businesses • Domestic and foreign currency integrated accounts increased by 144,200 • International settlement customers and international settlement volume both achieved double-digit growth • Cross-border RMB settlement volume reached RMB 4.25 trillion Improved Group-wide integration efficiency • Overseas commercial banking institutions recorded net profit of RMB 9.513 billion, up 21.87% YoY • Integrated operation subsidiaries recorded net profit of RMB 18.2 billion, up 281.95% YoY Further streamlined the "Four Integrations" mechanism Accelerated development of model projects for 12 key ecosystem clusters, including universities, hospitals, social security cards, science and technology industrial parks Further deepened the "Ecosystems, industrial and supply chains and industrial and business clusters" service model Corporate customers an increase of 792,900 Personal customers an increase of over 5 million Enhanced product and service offerings to better meet individual customer needs Exceeded RMB 5.30 trillion Wealth management Scale Wealth management customers Added 5.57 million Achieved double-digit growth Private banking customers and AUM Exceeded 100 million Securities customers for the third- party security custody services of trading settlement funds (CTS) Reached RMB 24.45 trillion Assets under custody
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12 Strengthened Risk and Compliance Management and Further Consolidated the Foundation for Sound Development Improved risk and internal control management system Strengthened asset quality control capabilities Advanced the development of intelligent risk control capability Consolidated the foundation of compliance management • Refined core systems including compliance review and anti-money laundering • Improved the Group-wide integrated management mechanisms for consumer rights protection • Conducted structural and trend-oriented risk analysis and assessment • Improved corporate client rating management, tightened customer access standards for inclusive finance and retail clients • Refined asset quality management and NPL disposal mechanisms, and broadened market-based disposal channels • Risks in key areas remained controllable • Continuously advanced the development of a comprehensive, proactive, intelligent and agile risk control system • Dynamically reviewed differentiated credit policies and implemented differentiated approval mechanisms tailored to local conditions • Strengthened penetrative risk management across overseas institutions and subsidiaries • Strengthened efforts to build an intelligent platform for comprehensive risk management • Developed AI agents for customer risk identification and structured risk analysis • Promoted the non-intrusive integration of risk management into business processes
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Contents High-Quality Development Future Outlook Financial Performance
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14 Closely follow national strategic priorities and foster new drivers of transformation and development Accelerate business model transformation and deepen integrated customer service capabilities Strengthen operational synergies and enhance value creation Safeguard the bottom line and strengthen risk and compliance management Outlook for the Second Half • Strengthen integration across commercial and investment banking, corporate and retail banking, domestic and foreign currency operations, and Group-wide collaboration, embedding integrated services throughout the customer journey • Further deepen the "ecosystems, industrial and supply chains, industrial and business clusters" service model; focus on core supply-chain anchor enterprises and upstream and downstream supply-chain participants; strengthen ecosystem integration and ecosystem-based operations • Enhance county-level and inclusive financial services and broaden service coverage • Deeply advance the "AI+" initiatives, accelerate digital and intelligent transformation, and build an enterprise- level omnichannel service and operations system • Closely focus on key areas and effectively identify and mitigate potential risks • Enhance integrated online and offline risk control capabilities • Continue to improve the compliance management framework and promote the deep integration of consumer protection across the entire business process • Asset business | Maintain a balance among scale, pricing and risk; align loan growth with monetary policy and optimise funding, duration and bond investment returns • Liability business | Maintain alignment among scale, pricing and quality，further strengthen funding stability initiatives • Intermediary business｜Maintain category-specific policies across the integration of "Intelligence, technology, equity and debt financing" • Advance the "Five Priorities“ in finance and actively seize opportunities arising from the "Two Key Tasks" and "Two Renewals"; support major projects under the 15th "Five-Year Plan" and the development of the "Six Networks" • Fully support the expansion of domestic demand, industrial upgrading, and the growth of private, small and micro businesses • Enhance mortgage services and coverage, actively participate in major consumption promotion initiatives, and enrich the bank-wide "Home Living" and "Auto Living" ecosystems and branch- specific consumption scenarios • Deepen inclusive livelihood finance to better meet residents’ financial needs in housing, education, healthcare and childcare
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Thank You 2026 Interim Results Announcement