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

Management Discussion & Analysis
Loans of the Group by Customer
As of 30 June 2006, the outstanding balance of the Group's corporate loans was RMB1,864.081 billion, an increase of
RMB152.038 billion or 8.9% from the prior year-end, accounting for 77.5% of the total. The outstanding balance of
personal loans was RMB541, 455 million, an increase of RMB18.452 billion or 3.5% from the prior year-end, accounting
for 22.5% of the total. The balance of domestic corporation loans increased by RMB147.971 billion or 10.4% compared
with the previous year-end, and the balance of personal loans increased by 6.5% or RMB 24.737 billion.
Loans of the Group by Customer
Unit: RMB million
At 30 June 2006 At 31 December 2005 At 31 December 2004
Balance Proportion (%) Balance Proportion (%) Balance Proportion (%)
Corporate loans 1,864,081 77.49 1,712,043 76.60 1,652,421 76.98
Trade bills 269,713 11.21 225,026 10.07 177,738 8.28
Personal loans 541,455 22.51 523,003 23.40 494,041 23.02
Total 2,405,536 100.00 2,235,046 100.00 2,146,462 100.00
Loans of Domestic Operations by Customer
Unit: RMB million
At 30 June 2006 At 31 December 2005 At 31 December 2004
Balance Proportion (%) Balance Proportion (%) Balance Proportion (%)
Corporate loans 1,567,936 79.48 1,419,965 78.89 1,382,957 79.74
Trade bills 240,826 12.21 195,311 10.85 148,832 8.58
Personal loans 404,695 20.52 379,958 21.11 351,345 20.26
Total 1,972,631 100.00 1,799,923 100.00 1,734,302 100.00
Personal Loans of Domestic Operations by Product
At 30 June 2006 At 31 December 2005 At 31 December 2004
Balance Proportion (%) Balance Proportion (%) Balance Proportion (%)
Mortgage 308,387 76.20 286,829 75.49 240,640 68.49
Credit cards 2,212 0.55 1,929 0.51 1,441 0.41
Others* 94,096 23.25 91,200 24.00 109,264 31.10
Total 404,695 100.00 379,958 100.00 351,345 100.00
* Others mainly include auto loans, personal investment loans and personal education loans.
24