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):BankWithin 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 860 10,215 12,081Portion not covered 955 3,375 56,371Total 1,815 13,590 68,4522011Overdue but not impairedloans and advancesImpaired loansand advanceswhich aresubject toindividualassessmentCorporate Personal CorporatePortion covered 45 11,766 17,605Portion not covered 122 2,276 47,885Total 167 14,042 65,490The above collateral includes land use rights, buildings and equipment, etc. The fair value of collateral was estimated bythe Group with reference to the latest available external valuations adjusted after taking into account the current realisationexperience as well as the market situation.China Construction Bank Corporation annual report 2012173