Annual Report 2012

Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)25 Loans and advances to customers (continued)(4) Overdue loans analysed by overdue period (continued)Bank2012Overduewithin threemonthsOverduebetween threemonths andone yearOverduebetween oneyear andthree yearsOverdue overthree yearsTotalUnsecured loans 3,536 1,299 894 1,104 6,833Guaranteed loans 5,371 9,686 4,336 4,112 23,505Loans secured by tangible assets other than monetary assets 14,212 12,322 7,717 6,662 40,913Loans secured by monetary assets 1,151 2,462 909 666 5,188Total 24,270 25,769 13,856 12,544 76,439As a percentage of gross loans and advances to customers 0.33% 0.35% 0.19% 0.17% 1.04%2011Overduewithin threemonthsOverduebetween threemonths andone yearOverduebetween oneyear andthree yearsOverdue overthree yearsTotalUnsecured loans 2,444 595 896 1,203 5,138Guaranteed loans 2,731 2,892 2,781 4,558 12,962Loans secured by tangible assets other than monetary assets 15,302 5,585 7,525 6,987 35,399Loans secured by monetary assets 983 593 641 797 3,014Total 21,460 9,665 11,843 13,545 56,513As a percentage of gross loans and advances to customers 0.34% 0.15% 0.19% 0.21% 0.89%Overdue loans represent loans of which the whole or part of the principal or interest are overdue for 1 day or more.China Construction Bank Corporation annual report 2012131