2006 Interim Report－A Share.pdf - 中国银行

Management Discussion & Analysis
As of 30 June 2006, security assets of the Group reached RMB1,988.271 billion, an increase of RMB318.68 billion or
19.09% over 31 December 2005. The increase was mainly attributed to the growth of RMB326.165 billion in debt
securities available-for-sale.
Loans
As of 30 June, 2006, the Group had a total loan portfolio of RMB2,405.536 billion, an increase of RMB170.49 billion or
7.6% over the previous year-end. Loans by domestic operations were RMB1,972.631 billion, an increase of RMB172.708
billion or 9.6% over the previous year-end. Loans by domestic operations of Eastern Region grew at the highest rate, with
an RMB93.81 billion or 13.1% increase over the previous year-end.
Loan Portfolio Concentrations by Geographic Region
Loan Portfolio Concentration of the Group by Region
Unit: RMB million
At 30 June 2006 At 31 December 2005 At 31 December 2004
Balance Proportion (%) Balance Proportion (%) Balance Proportion (%)
Domestic operations 1,972,631 82.00 1,799,923 80.53 1,734,302 80.80
Overseas operations 432,905 18.00 435,123 19.47 412,160 19.20
Total 2,405,536 100.00 2,235,046 100.00 2,146,462 100.00
Domestic Loans by Geographic Region
Unit: RMB million
Domestic
At 30 June 2006 At 31 December 2005 At 31 December 2004
Balance Proportion (%) Balance Proportion (%) Balance Proportion (%)
Northern Region 353,477 17.92 322,451 17.91 313,843 18.10
Northeastern Region 135,087 6.85 131,430 7.30 128,374 7.40
Eastern Region 813,572 41.24 719,759 39.99 679,773 39.20
Central &
Southern Region
470,372 23.85 444,869 24.72 433,860 25.02
Western Region 200,123 10.14 181,414 10.08 178,452 10.28
Total 1,972,631 100.00 1,799,923 100.00 1,734,302 100.00
Note: Northern Region includes Beijing Municipality, Tianjin Municipality, Hebei Province, Shanxi Province, Inner Mongolia Autonomous
Region, and the Head Office of BOC;
Northeastern Region includes Heilongjiang Province, Jilin Province, and Liaoning Province;
Eastern Region includes Shanghai Municipality, Jiangsu Province, Zhejiang Province, Anhui Province, Fujian Province, Jiangxi
Province, and Shandong Province;
Central & Southern Region includes Henan Province, Hubei Province, Hunan Province, Guangdong Province, Shenzhen City, Guangxi
Autonomous Region, and Hainan Province;
Western Region includes Chongqing Municipality, Sichuan Province, Guizhou Province, Yunnan Province, Shaanxi Province, Gansu
Province, Ningxia Autonomous Region, Qinghai Province, Tibet Autonomous Region, and Xinjiang Uighur Autonomous Region.
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