Virtual Meeting Reques

CCB (Asia) Institutional Banking 1 Content 1 Introduction to China Construction Bank 2 Corporate Profile of CCB (Asia) 3 Overview of Institutional Banking at CCB (Asia) 2 PART 1 Introduction to CCB 3  Introduction to China Construction Bank History of CCB Group China Construction Bank Corporation, headquartered in Beijing, is a leading large-scale commercial bank in China. It’s predecessor, People’s Construction Bank of China, was establish in October 1954. 1954 1983 1994 2005 • CCB was established in • The People's Construction • After the National • State-owned banks 1954 as a wholly state- Bank of China was spun Development Bank was undergo restructuring owned bank under the off from the central bank established and assumed and receive capital Ministry of Finance - • Began to undertake more the responsibilities of injections from the known then as the People's commercial banking policy-based lending, the Ministry of Finance Construction Bank of China functions People's Construction Bank of China progressively • CCB became the first • Responsible for managing • Focused on providing major state-owned and allocating funds for transformed into a financial services related commercial bank offering commercial bank to list basic construction， to basic construction on the Hong Kong during planned economy comprehensive financial investment Stock Exchange in era October 2005 Introduction to China Construction Bank Achievements of CCB Group With its strong capital base, high asset quality, and steady operating performance, China Construction Bank holds a significant position in the international banking industry. Tier 1 Capital 455.4 billion USD 2nd among global banks Total Assets 5.6 Trillion USD 3rd among global financial institutions Market 212.2 billion USD Capitalization 4th among global financial institutions Source：Bloomberg, 11 June 2025 Introduction to China Construction Bank Group Strategy & 2024 Progress Digital Finance Tech Finance The balance of loans to core The balance of loans in tech-related industries of the digital economy industries exceeded RMB3.50trillion reaches nearly RMB800 billion Progress in Strategic emerging industries were RMB User of “Binary Stars“ reached “Five Priorities” 2.84 trillion, increasing by 26.63% 521 million Pension Finance Inclusive Finance Pillar 2 asset managed by CCB The balance of inclusive loans were Pension exceeded RMB620 billion, RMB3.41triliion, an increase of 12.01% Parent-subsidiary collab customers “Yunong Loan”exceeded RMB 280billion, increased by128% an increase of 45% Green Finance Green loan balance reached RMB4.70 trillion, increasing by 20.99% RMB200 billion had been invested in green sectors within the bank’s bond investment Introduction to China Construction Bank Main Segments of CCB Group China Construction Bank is a leading commercial bank in China, offering a comprehensive range of commercial banking products, with its business in three main segments.  Customer Operation 2024 Group’s Business by Segment  Corporate Credit Business Operating Income Corporate  Institutional Business Corporate Finance  Investment Banking Business Finance  International Business Personal Finance  Settlement and Cash Management RMB 728.6 billion Business Treasury & Asset Management  Customer Operation Others  Personal Credit  Personal Payments Personal 2024 Group’s Business by Segment  Wealth Management Finance  Private Banking Profit before Tax  Rural Revitalisation Corporate Finance  Housing Rental  Entrusted Housing Finance Personal Finance RMB 336.3 billion  Financial Market Business Treasury & Asset  Asset Management Business Management Treasury & Asset Others  Financial Institutional Business Management  Asset Custody Business Introduction to China Construction Bank Key Metrics of CCB Group (in billion RMB) FY 2024 FY 2023 FY 2022 Change (2024 vs. 2023) Total assets 40,571.1 38,324.8 34,600.7 5.9% Loans and Advances to 25,040.4 23,083.4 20,493.0 8.5% Customers Total Liabilities 37,227.2 35,152.7 31,724.5 5.9% Customers Deposits 28,713.9 27,654.0 25,020.8 3.8% NPL Ratio 1.34% 1.37% 1.38% 0.03pps FY 2024 FY 2023 FY 2022 Change (2024 vs. 2023) Operating Income 728.6 745.6 757.5 2.3% Net Interest Income 589.9 617.2 643.7 4.4% Net Fee & 104.9 115.7 116.1 9.3% Commission Income Net Profit 336.3 332.5 324.9 1.1% Earnings per Share 1.31 1.31 1.28 0% Source: CCB Group 2024 Annual Report Introduction to China Construction Bank Credit rating of CCB Group and CCB (Asia) CCB Group CCB (Asia) Long-Term A1 A1 Short-Term P-1 P-1 Outlook Negative Negative Long-Term A -- Short-Term A-1 -- Outlook Stable -- Long-Term A A Short-Term F1+ F1+ Outlook Stable Stable As at 11 Jun 2025 Introduction to China Construction Bank CCB Group Overseas Operations As of the end of 2024, CCB Group has overseas operations in 6 continents, across 28 countries & regions, totaling 35 institutions. CCB (Asia) is the largest overseas entity within the CCB Group. 10 PART 2 Corporate Profile of CCB (Asia) 11 Corporate Profile of CCB (Asia) CCB (Asia) History CCB (Asia) is the comprehensive and integrated commercial banking platform of CCB Group in Hong Kong. Its former entity, the Bank of Canton, was established in 1912 as the first Chinese-owned bank in Hong Kong. 1912 1993 2006 2013 • Established in 1912, • After several mergers, • In 2006, CCB Group • In June 2013, CCB the Bank of Canton the bank became a acquired Bank of America Group announced is the first Chinese- subsidiary of the Bank (Asia), and renamed to integration of its Hong owned Bank. of America Group in "China Construction Bank Kong business, 1992, and later (Asia)". consolidating Hong renamed to Bank of Kong branch operations America (Asia) in 2001. with those of CCB (Asia). Corporate Profile of CCB (Asia) CCB Group’s Overseas Flagship The largest overseas entity in CCB GRoup Operating regions As the overseas flagship, CCB (Asia) holds multiple business licenses, covering retail banking, commercial banking, corporate banking, and capital market services, etc. It possesses industry-leading advantages in RMB business, fintech, cross-border services, and green Central Asia finance. Overseas Hong Kong Other Regions Asset GCC Composition 39% 61% Countries Taiwan Hong Kong, Macau RCEP Region Hong Kong Other Regions Operating Income 52% 48% Hong Kong Other Regions Net Income 57% 43% 13 Source: CCB Group Annual Report, CCB (Asia) Annual Report Corporate Profile of CCB (Asia) Key Metrics of CCB (Asia) (in billion HKD) FY 2024 FY 2023 FY 2022 Change (2024 vs. 2023) Total assets 522.3 493.9 460.4 5.8% Loans and advances to 275.7 260.0 270.4 6.0% customers Total liabilities 423.0 416.4 387.9 1.6% Customers Deposits 371.8 381.1 352.6 2.4% NPL 0.32% 1.07% 1.04% 0.75pps FY 2024 FY 2023 FY 2022 Change (2024 vs. 2023) Operating Income 10.4 8.9 7.9 16.9% Net Interest Income 8.1 6.5 5.8 24.6% Net Fee and Commission 1.7 1.6 1.4 6.3% Income Net Profit 5.9 4.0 3.1 47.5% Source: CCB (Asia) 2024 Annual Report 14 PART 3 Overview of Institutional Banking at CCB (Asia) 15 CCB (Asia) Institutional Banking Overview of Institutional Banking Overview Strength Serving Institutional Clients National Strategies Alignment Aligning with the Belt and Road Initiative Clients include banks, non-bank FI, governments, central banks, SWFs, and leveraging RMB internationalization other public entities strengthening overseas operations & competitiveness Integrated Services Strong Support from Head Office Client-centricity Integrated group-wide operation, cooperation A comprehensive one-stop shop for across domestic and overseas offices, and large financial products & services client base form a robust foundation Enhancing Asset-based Engagement Client Acquisition Strengthening marketing efforts for RMB Self-expansion within operating regions internationalization needs Collaboration with overseas branches Broadening product offerings around customer Key strategic customers of the Group transaction scenarios 16 CCB (Asia) Institutional Banking Client type & Product Offerings Major Client Types Product Offerings Banks • Licensed banks • Cross-selling bank products and services • Virtual banks across treasury, capital markets, debt capital markets, custody, and cash management, • Restricted licensed banks including certificates of deposit and bond • Deposit taking companies issuance • Local representative offices • Maintenance of correspondent banking Non-bank financial institution relationship • Asset management companies • Trade finance business • Insurance companies • Syndicated loans • Security brokers • Trustee Services • Trustees • (R)QDII, (R)QFII , QDLP custody business Public Institutions • Stock Connect, Bond Connect and Swap • Governments Connect related settlements services • Central banks • Sovereign wealth funds 17 • Educational entities CCB (Asia) Institutional Banking Recent deals in RCEP and Middle East The Arab Energy Fund PT Mineral Industri Indonesia (Persero) PT Bank Rakyat Indonesia Riyad Bank US$1,500,000,000 (Persero) Tbk US$600,000,000 US$1,500,000,000 3-yr Syndicated Term and Revolving US$1,000,000,000 5-yr Syndicated Term Loan Facility Facility 3-yr Syndicated Term Loan Joint Lead Manager MLAB MLA Facility PT Perusahaan Listrik Negara Banque Saudi Fransi (Persero) PT Bank Negara Indonesia US$500,000,000 5-year HSBC Bank Middle East US$750,000,000 (Persero) Tbk Syndicated Term Loan Facility Bilateral loan 5-yr Syndicated Term Loan Bilateral loan MLAB (Green Financing) MLAB Pengerang Refining Company Project Marigold SCB X Public Company Limited New Development Bank Saudi National Bank US$9,682,000,000 US$1,200,000,000 & US$1,250,000,000 3-year US$850,000,000 5-year 15.5-yr Term Loan Facility JPY75,000,000,000 Syndicated Term Loan Facility Syndicated Term Loan Facility CCB as Initial Facility Creditor 2-yr Syndicated Term Loan MLA MLAB, Facility MLAB Sole Coordinator 18 CCB (Asia) Institutional Banking Recent deals in RCEP and Middle East PT Mineral Industri Indonesia PT Sarana Multi Infrastruktur (Persero) (Persero) PT Pertamina (Persero) The Red Sea Project Porsche SE’s US$1,500,000,000 USD700,000,000 US$1,400,000,000 US$1,500,000,000 EUR8,900,000,000 acquisition 3-yr Syndicated Term and Sustainability-Linked Syndicated 3-yr Syndicated Term Loan Facility 4.5-yr US$125,000,000 EBL Financing financing on Porsche AG 12.5% Revolving Facility Term Loan Facility MLA shares MLA MLA PT Perusahaan Listrik Negara Ek-Chai Distribution System CP All Public Company Limited/ (Persero) US$2,500,000,000 equivalent Term C.P. Retail Development US$750,000,000 Loan Facilities Company Limited 5-yr Syndicated Term Loan MLAB Saudi Aramco’s Gas Pipeline Minority ARM’s USD8,500,000,000 Pre-IPO US$7,200,000,000 equivalent Term Interests Sell-up Syndicated Facility (Green Financing) Loan Facilities MLAB US$13.4bn Bridge-to-Loan Facility Senior Lead Arranger MLAB and Underwriter USD1.8bn 19-Year Refinancing Facility Pengerang Refining Company Dubai Aerospace Enterprise (DAE) Amiral Sdn. Bhd. Ltd US$2,030,000,000 Pengerang Refining Company US$420,000,000 Term Loan The Department of Finance for the Project Marigold 15-yr Syndicated Project Project Marigold Facility Government of Dubai US$9,682,000,000 Financing US$9,682,000,000 Sole MLAB, Global Coordinator US$250,000,000 Term Loan Facility 15.5-yr Term Loan Facility 15.5-yr Term Loan Facility Global Co-Ordinator CCB as CCB as Initial Facility Creditor MLAB & Agent Bank Initial Commercial Facility MLAB, Creditor Sole Coordinator MLAB, Sole Coordinator 19  Thank you! A Partner Forever An Excellence-pursuer 20 Saatja: "Li, Charmaine CM" <[email protected]> Saaja: "Info - RAM" <[email protected]> Teema: FW: Virtual Meeting Request - Exploring Collaboration Opportunities between Estonia Ministry of Finance and China Construction Bank (Asia) Kuupäev: 2025-12-17 14:20 Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga. Tundmatu saatja korral palume linke ja faile mitte avada. Dear Sir, On behalf of the Institutional Banking Division of China Construction Bank Asia Corporation Limited (CCB Asia), I am writing to you to express our sincere interest in exploring potential areas of collaboration with Estonia Ministry of Finance. We would be truly appreciated if you could relay my email message to the Head of Strategy and Finance Department. As a key overseas platform of China Construction Bank (CCB) – one of the world’s leading financial institutions – CCB Asia is strategically positioned to bridge financial markets, connecting China and the EU region with the world. We have followed the growth and esteemed reputation of Estonia Ministry of Finance with great admiration and believe our institutions share a mutual commitment to excellence and deepening cross-border financial linkages. Enclosed please find our credentials for your reference. We recognize that the Estonia Ministry of Finance are pivotal in driving regional economic development and facilitating international trade and investment flows. With our complementary strengths, we see significant potential for a synergistic partnership in several key areas: * Cash Management & Transaction Banking: Providing efficient, cross-border liquidity management, payment, and collection solutions tailored for your esteemed institution. * Correspondent Account Services: Facilitating seamless USD, CNY, and other major currency settlements through reliable and responsive account services. * Bilateral Lending & Syndications, Project Finance: Exploring opportunities for bilateral credit lines, and participation in syndicated loans to support mutual clients and strategic projects. * Bond investment & private placement: As part of our commitment to explore opportunities for CCB Asia to act as an anchor investor in bond issuance or private placements from your esteemed institution. A collaboration between our institutions would not only enhance our service offerings but also create substantial value for our respective client bases navigating the China-EU corridor. I would be delighted to schedule a virtual meeting with you to introduce our team, understand your strategic priorities for the coming year, and discuss how we might work together. We look forward to the possibility of a fruitful partnership. Kind Regards, Charmaine Li 李晴明 Division Head, Institutional Banking Division 香港中环干诺道中3号建设银行大厦23楼 23/F, CCB Tower, 3 Connaught Road Central, Central, Hong Kong Office: +852 3918 6923| Mobile: +852 9086 2706 _____ The information contained in this transmission may contain privileged and confidential information and is intended only for the use of the person(s) named above. If you are not the intended recipient, any review, dissemination, distribution or duplication of this communication is strictly prohibited. If you received this email in error, please contact the sender immediately by reply e-mail and destroy all copies of the original message. This email is not intended as an offer or solicitation for the purchase or sale of any financial instruments.