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

Management Discussion & Analysis
Impaired Personal Loans of Domestic Operations by Product
Balance
Proportion
(%)
Unit: RMB million
At 30 June 2006 At 31 December 2005 At 31 December 2004
Impaired
loan ratio
(%)
Balance
Proportion
(%)
Impaired
loan ratio
(%)
Balance
Proportion
(%)
Impaired
loan
ratio
(%)
Mortgage 3,930 39.87 1.27 3,837 40.50 1.34 3,608 46.35 1.50
Credit cards 267 2.71 12.08 228 2.41 11.82 218 2.80 15.13
Others 5,662 57.42 6.02 5,408 57.09 5.93 3,958 50.85 3.62
Total 9,859 100.00 2.44 9,473 100.00 2.49 7,784 100.00 2.22
Five-category Classification of Loans
As of 30 June 2006, the Group's non-performing loans (NPLs) were RMB100.788 billion in accordance with regulatory
classification standards, a decrease of RMB2.438 billion over the previous year-end; NPL ratio was 4.19%, a decrease
of 0.43 percentage point. NPLs of domestic operations were RMB96.519 billion, a decrease of RMB1.69 billion over the
previous year-end; NPL ratio was 4.89%, a decrease of 0.57 percentage point. Loans of the Group classified as special
mention stood at RMB261.788 billion, a decrease of RMB22.260 billion over the previous year-end, accounting for
10.88% of total loans, a decrease of 1.83 percentage points.
Asset Quality of the Group
Unit: RMB million
At 30 June 2006 At 31 December 2005 At 31 December 2004
Balance Proportion (%) Balance Proportion (%) Balance
Proportion
(%)
Pass 2,042,960 84.93 1,847,772 82.67 1,611,936 75.10
Special mention 261,788 10.88 284,048 12.71 424,606 19.78
Substandard 42,082 1.75 45,573 2.04 61,289 2.86
Doubtful 43,479 1.81 44,550 1.99 32,931 1.53
Loss 15,227 0.63 13,103 0.59 15,700 0.73
Total 2,405,536 100.00 2,235,046 100.00 2,146,462 100.00
Total NPLs 100,788 4.19 103,226 4.62 109,920 5.12
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