Annual Report 2012

Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)43 Deposits from customersGroupBank2012 2011 2012 2011Demand deposits– Corporate customers 3,816,312 3,576,929 3,806,391 3,569,524– Personal customers 2,107,369 1,839,812 2,092,833 1,829,426Subtotal 5,923,681 5,416,741 5,899,224 5,398,950Time deposits (including call deposits)– Corporate customers 2,392,797 1,949,188 2,365,610 1,920,555– Personal customers 3,026,601 2,621,521 2,985,166 2,586,588Subtotal 5,419,398 4,570,709 5,350,776 4,507,143Total 11,343,079 9,987,450 11,250,000 9,906,093Deposits from customers include:GroupBank2012 2011 2012 2011(1) Pledged deposits– Deposits for acceptance 124,367 104,880 124,423 104,699– Deposits for letter of credit 42,616 59,445 42,616 59,441– Deposits for guarantee 34,443 40,570 34,443 40,570– Others 192,272 158,088 195,045 157,986Total 393,698 362,983 396,527 362,696(2) Outward remittance and remittance payables 8,722 9,508 8,592 9,434(3) As at 31 December 2012, the deposits arising from wealth management products with principal guaranteed by the Group and theBank were RMB355,284 million (2011:RMB154,062 million).44 Accrued staff costsGroupNote2012As at1 January Accrued PaidAs at31 DecemberSalaries, bonuses, allowances and subsidies 19,871 54,352 (50,735) 23,488Defined contribution retirement schemes 552 10,214 (10,160) 606Other social insurance and welfare 1,630 7,807 (7,462) 1,975Housing funds 124 4,685 (4,675) 134Union running costs and employee education costs 1,174 2,205 (2,110) 1,269Supplementary retirement benefits (1) 7,032 598 (6,995) 635Early retirement benefits 5,542 210 (1,156) 4,596Compensation to employees for termination of employment relationship 6 8 (9) 5Total 35,931 80,079 (83,302) 32,708China Construction Bank Corporation annual report 2012147