Annual Report 2012

Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)63 Risk Management (continued)(1) Credit risk (continued)(b) Distribution of loans and advances to customers in terms of credit quality is analysed as follows(continued):GroupWithin overdue but not impaired loans and advances and impaired loans and advances which are subject to individualassessment, the portion covered or not covered by collateral held are shown as follows:2012Overdue but not impairedloans and advancesImpaired loansand advanceswhich aresubject toindividualassessmentCorporate Personal CorporatePortion covered 1,026 10,388 12,084Portion not covered 978 3,454 56,543Total 2,004 13,842 68,6272011Overdue but not impairedloans and advancesImpaired loansand advanceswhich aresubject toindividualassessmentCorporate Personal CorporatePortion covered 170 11,935 17,607Portion not covered 123 2,339 48,018Total 293 14,274 65,625172 China Construction Bank Corporation annual report 2012