Annual Report 2012

Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)63 Risk Management (continued)(1) Credit risk (continued)(c) Loans and advances to customers analysed by economic sector concentrations (continued)Bank2012 2011GrossloanbalancePercentageBalancesecured bycollateralGrossloanbalancePercentageBalancesecured bycollateralCorporate loans and advances– Manufacturing 1,294,609 17.62% 491,184 1,121,439 17.61% 391,393– Transportation, storage andpostal services 866,624 11.80% 354,018 752,130 11.83% 298,202– Production and supply ofelectric power, gas and water 603,524 8.22% 156,032 581,301 9.14% 144,399– Real estate 467,421 6.37% 398,967 439,905 6.92% 365,509– Leasing and commercial services 392,546 5.35% 177,949 385,789 6.07% 168,317– Wholesale and retail trade 384,555 5.24% 162,120 306,287 4.82% 110,193– Water, environment and publicutility management 235,694 3.21% 116,269 226,560 3.56% 100,202– Construction 220,490 3.00% 82,511 188,765 2.97% 66,764– Mining 206,651 2.81% 26,715 169,852 2.67% 26,793– Education 66,183 0.90% 25,152 84,983 1.34% 35,161–Telecommunications,computer services and software 33,418 0.46% 9,075 23,510 0.37% 7,146– Others 362,323 4.93% 132,211 283,334 4.46% 109,506Total corporate loans and advances 5,134,038 69.91% 2,132,203 4,563,855 71.76% 1,823,585Personal loans and advances 2,017,826 27.48% 1,789,309 1,677,910 26.38% 1,538,107Discounted bills 191,540 2.61% – 117,781 1.86% –Total loans and advances to customers 7,343,404 100.00% 3,921,512 6,359,546 100.00% 3,361,692Details of impaired loans, impairment allowances, charges, and amounts written off in respect of economic sectors whichconstitute 10% or more of total gross loans and advances to customers are as follows:2012GrossimpairedloansIndividuallyassessedimpairmentallowancesCollectivelyassessedimpairmentallowancesCharged toprofit or lossduring the yearWritten offduring the yearManufacturing 30,870 (19,642) (31,170) 12,926 2,724Transportation, storage and postal services 3,208 (2,303) (21,822) 2,666 772011GrossimpairedloansIndividuallyassessedimpairmentallowancesCollectivelyassessedimpairmentallowancesCharged toprofit or lossduring the yearWritten offduring the yearManufacturing 25,815 (15,099) (25,071) 5,680 1,748Transportation, storage and postal services 7,073 (3,616) (17,987) 6,294 28China Construction Bank Corporation annual report 2012175