Annual Report 2012

Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)23 Financial assets held under resale agreementsFinancial assets held under resale agreements by underlying assets are shown as follows:GroupBank2012 2011 2012 2011Securities– Government bonds 67,125 63,787 67,125 63,787– Bills issued by the PBOC 3,733 14,810 3,733 14,810– Debt securities issued by banks and non-bank financial institutions 144,215 107,467 144,154 107,467Subtotal 215,073 186,064 215,012 186,064Discounted bills 94,612 5,811 94,612 5,811Loans and advances to customers 7,000 8,170 7,000 8,170Total and net balances 316,685 200,045 316,624 200,04524 Interest receivableGroupBank2012 2011 2012 2011Deposits with central banks 988 919 987 919Deposits with banks and non-bank financial institutions 3,346 1,055 3,220 1,070Financial assets held under resale agreements 807 580 807 580Loans and advances to customers 20,408 16,674 20,006 16,334Debt securities 42,398 37,060 42,218 36,978Others 318 489 344 540Gross balances 68,265 56,777 67,582 56,421Allowances for impairment losses (Note 37) (1) (1) (1) (1)Net balances 68,264 56,776 67,581 56,42025 Loans and advances to customers(1) Analysed by natureGroupBank2012 2011 2012 2011Corporate loans and advances– Loans 5,230,891 4,636,821 5,134,038 4,563,855– Finance leases 38,630 36,095 – –5,269,521 4,672,916 5,134,038 4,563,855Personal loans and advances– Residential mortgages 1,543,966 1,330,198 1,528,757 1,312,974– Personal business loans 104,096 80,075 101,776 78,716– Personal consumer loans 84,631 79,515 80,556 76,692– Credit cards 182,507 101,694 177,936 97,553– Others 135,894 114,140 128,801 111,9752,051,094 1,705,622 2,017,826 1,677,910Discounted bills 191,697 117,873 191,540 117,781Gross loans and advances to customers 7,512,312 6,496,411 7,343,404 6,359,546Allowances for impairment losses (Note 37) (202,433) (171,217) (201,087) (170,183)– Individual assessment (45,814) (38,109) (45,678) (38,020)– Collective assessment (156,619) (133,108) (155,409) (132,163)Net loans and advances to customers 7,309,879 6,325,194 7,142,317 6,189,363China Construction Bank Corporation annual report 2012127