2006 Interim Reportï¼A Share.pdf - ä¸å½é¶è¡
2006 Interim Reportï¼A Share.pdf - ä¸å½é¶è¡
2006 Interim Reportï¼A Share.pdf - ä¸å½é¶è¡
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Management Discussion & Analysis<br />
Quality of the Group's Loans<br />
As of 30 June <strong>2006</strong>, the Group's total impaired loans were RMB105.944 billion, a decrease of RMB3.367 billion over<br />
the previous year-end; and the impaired loan ratio was 4.4%, a decrease of 0.49 percentage point. The impaired loans<br />
of domestic operations were RMB99.543 billion, a decrease of RMB2.597 billion over the previous year-end; and the<br />
impaired loan ratio was 5.05%, a decrease of 0.62 percentage point. The impaired loans of overseas operations were<br />
RMB6.401 billion, a decrease of RMB770 million over the previous year-end; and the impaired loan ratio was 1.48%, a<br />
decrease of 0.17 percentage point.<br />
Impaired Loan Portfolio Concentrations of the Group by Region<br />
Unit: RMB million<br />
At 30 June <strong>2006</strong> At 31 December 2005 At 31 December 2004<br />
Balance<br />
Proportion<br />
(%)<br />
Impaired<br />
loan ratio<br />
(%)<br />
Balance<br />
Proportion<br />
(%)<br />
Impaired<br />
loan ratio<br />
(%)<br />
Balance<br />
Proportion<br />
(%)<br />
Impaired<br />
loan ratio<br />
(%)<br />
Domestic<br />
operations<br />
Overseas<br />
operations<br />
99,543 93.96 5.05 102,140 93.44 5.67 104,327 88.3 6.02<br />
6,401 6.04 1.48 7,171 6.56 1.65 13,830 11.7 3.36<br />
Total 105,944 100.00 4.40 109,311 100.00 4.89 118,157 100.00 5.50<br />
Notes: 1. If objective impairment evidence shows that the future cash flow of loans will decreases and the amount can be estimated, then<br />
the Bank identifies the loan as impaired loan and recognizes the losses as well.<br />
2. Impaired loan ratio is calculated by the balance of impairment loans divided by the balance of total loans.<br />
Impaired Loan Portfolio Concentrations of Domestic Operations by Region<br />
Unit: RMB million<br />
At 30 June <strong>2006</strong> At 31 December 2005 At 31 December 2004<br />
Balance<br />
Proportion<br />
(%)<br />
Impaired<br />
loan ratio<br />
(%)<br />
Balance<br />
Proportion<br />
(%)<br />
Impaired<br />
loan ratio<br />
(%)<br />
Balance<br />
Proportion<br />
(%)<br />
Impaired<br />
loan ratio<br />
(%)<br />
Northern<br />
Region<br />
Northeastern<br />
Region<br />
Eastern<br />
Region<br />
Central<br />
Southern<br />
Region<br />
Western<br />
Region<br />
18,457 18.54 5.22 17,699 17.30 5.50 22,600 21.70 7.20<br />
11,968 12.03 8.84 12,363 12.10 9.40 13,170 12.60 10.26<br />
25,962 26.08 3.19 27,811 27.20 3.90 28,595 27.40 4.21<br />
30,071 30.21 6.39 30,611 30.00 6.90 26,611 25.50 6.13<br />
13,085 13.14 6.54 13,656 13.40 7.50 13,351 12.80 7.48<br />
Total 99,543 100.00 5.05 102,140 100.00 5.70 104,327 100.00 6.02<br />
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