Annual Report 2012

More documents

Recommendations

Info

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
Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)44 Accrued staff costs (continued)Group (continued)Note2011As at1 January Accrued PaidAs at31 DecemberSalaries, bonuses, allowances and subsidies 14,873 49,703 (44,705) 19,871Defined contribution retirement schemes 492 8,495 (8,435) 552Other social insurance and welfare 1,265 6,581 (6,216) 1,630Housing funds 112 3,989 (3,977) 124Union running costs and employee education costs 954 2,013 (1,793) 1,174Supplementary retirement benefits (1) 6,901 638 (507) 7,032Early retirement benefits 6,765 409 (1,632) 5,542Compensation to employees for termination of employment relationship 7 10 (11) 6Total 31,369 71,838 (67,276) 35,931BankNote2012As at1 January Accrued PaidAs at31 DecemberSalaries, bonuses, allowances and subsidies 19,222 52,455 (48,949) 22,728Defined contribution retirement schemes 550 10,076 (10,023) 603Other social insurance and welfare 1,544 7,690 (7,368) 1,866Housing funds 124 4,643 (4,634) 133Union running costs and employee education costs 1,162 2,187 (2,093) 1,256Supplementary 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 35,182 77,867 (81,227) 31,822Note2011As at1 January Accrued PaidAs at31 DecemberSalaries, bonuses, allowances and subsidies 14,133 48,153 (43,064) 19,222Defined contribution retirement schemes 491 8,397 (8,338) 550Other social insurance and welfare 1,169 6,525 (6,150) 1,544Housing funds 111 3,968 (3,955) 124Union running costs and employee education costs 945 1,997 (1,780) 1,162Supplementary retirement benefits (1) 6,901 638 (507) 7,032Early retirement benefits 6,765 409 (1,632) 5,542Compensation to employees for termination of employment relationship 7 10 (11) 6Total 30,522 70,097 (65,437) 35,182(1) Supplementary retirement benefitsThe Group’s obligations in respect of the supplementary retirement benefits as at the end of the reporting period were calculatedusing the projected unit credit actuarial cost method and reviewed by qualified staff (a member of Society of Actuaries of the UnitedStates of America) of an external independent actuary: Towers, Perrin, Forster & Crosby, Inc., Hong Kong.The group has established an independent custodian account for the supplementary retirement benefits. The assets under thecustodian accounts are plan assets. As at 31 December 2012, the plan assets under the custodian account were all bank deposits,amounted to RMB6,370 million (2011: nil).148 China Construction Bank Corporation annual report 2012
Page 1 and 2:
Annual Report 2012China Constructio
Page 3 and 4:
DEFINITIONSIn this annual report, u
Page 5 and 6:
INTRODUCTIONHeadquartered in Beijin
Page 7 and 8:
2 CORPORATE INFORMATIONLegal name a
Page 9 and 10:
2 CORPORATE INFORMATIONForbes Ranke
Page 11 and 12:
3 CHAIRMAN’S STATEMENTDear shareh
Page 13 and 14:
4 PRESIDENT’S REPORTDear sharehol
Page 15 and 16:
5 MANAGEMENT DISCUSSION AND ANALYSI
Page 17 and 18:
Page 19 and 20:
Page 21 and 22:
Page 23 and 24:
Page 25 and 26:
Page 27 and 28:
Page 29 and 30:
Page 31 and 32:
Page 33 and 34:
Page 35 and 36:
Page 37 and 38:
Page 39 and 40:
Page 41 and 42:
Page 43 and 44:
Page 45 and 46:
Page 47 and 48:
Page 49 and 50:
Page 51 and 52:
Page 53 and 54:
6 CHANGES IN SHARE CAPITAL AND PART
Page 55 and 56:
6 CHANGES IN SHARE CAPITAL AND PART
Page 57 and 58:
7 CORPORATE GOVERNANCE REPORT7.2 BO
Page 59 and 60:
7 CORPORATE GOVERNANCE REPORTBoard
Page 61 and 62:
7 CORPORATE GOVERNANCE REPORTImpact
Page 63 and 64:
7 CORPORATE GOVERNANCE REPORTAudit
Page 65 and 66:
7 CORPORATE GOVERNANCE REPORTNomina
Page 67 and 68:
7 CORPORATE GOVERNANCE REPORTCompos
Page 69 and 70:
7 CORPORATE GOVERNANCE REPORTIn 201
Page 71 and 72:
7 CORPORATE GOVERNANCE REPORTEffect
Page 73 and 74:
8 PROFILES OF DIRECTORS, SUPERVISOR
Page 75 and 76:
Page 77 and 78:
Page 79 and 80:
Page 81 and 82:
Page 83 and 84:
9 REPORT OF THE BOARD OF DIRECTORSP
Page 85 and 86:
9 REPORT OF THE BOARD OF DIRECTORSD
Page 87 and 88:
10 REPORT OF THE BOARD OF SUPERVISO
Page 89 and 90:
11 MAJOR ISSUESMaterial litigations
Page 91 and 92:
11 MAJOR ISSUESInterests in non-lis
Page 93 and 94:
Consolidated statement of comprehen
Page 95 and 96:
Statement of financial positionAs a
Page 97 and 98: Statement of changes in equityFor t
Page 99 and 100: Consolidated statement of cash flow
Page 101 and 102: Notes to the financial statements(E
Page 147: Notes to the financial statements(E
Page 199 and 200:
Notes to the financial statements(E
Page 201 and 202:
Page 203 and 204:
Page 205 and 206:
Page 207 and 208:
Page 209 and 210:
Page 211 and 212:
14 UNAUDITED SUPPLEMENTARY FINANCIA
Page 213 and 214:
15 ORGANISATIONAL STRUCTUREPublic R
Page 215 and 216:
16 BRANCHES AND SUBSIDIARIESTier-on
Page 217 and 218:
16 BRANCHES AND SUBSIDIARIESBranche
Page 219 and 220:
16 BRANCHES AND SUBSIDIARIESChongqi
Page 221:
16 BRANCHES AND SUBSIDIARIESZhejian
show all

Annual Report 2012

Create successful ePaper yourself

Delete template?

Save as template?