Annual Report 2012

More documents

Recommendations

Info

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
Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)63 Risk Management (continued)(1) Credit risk (continued)(d) Loans and advances to customers analysed by geographical sector concentrationsGroup2012 2011GrossloanbalancePercentageBalancesecured bycollateralGrossloanbalancePercentageBalancesecured bycollateralYangtze River Delta 1,670,643 22.24% 1,041,606 1,476,118 22.72% 882,276Bohai Rim 1,301,564 17.33% 554,538 1,137,623 17.51% 497,565Western 1,270,163 16.91% 725,755 1,108,112 17.06% 622,268Central 1,195,748 15.92% 660,624 1,051,837 16.19% 567,187Pearl River Delta 1,091,848 14.53% 707,773 955,937 14.71% 597,404Northeastern 461,574 6.14% 238,941 406,035 6.25% 197,775Head office 188,074 2.50% 410 105,632 1.63% 486Overseas 332,698 4.43% 55,851 255,117 3.93% 53,564Gross loans and advances to customers 7,512,312 100.00% 3,985,498 6,496,411 100.00% 3,418,525Details of impaired loans and impairment allowances in respect of geographical sectors are as follows:2012GrossimpairedloansIndividuallyassessedimpairmentallowancesCollectivelyassessedimpairmentallowancesYangtze River Delta 32,941 (19,634) (35,725)Central 9,635 (6,207) (25,121)Pearl River Delta 9,096 (5,514) (25,073)Western 8,187 (5,330) (27,473)Bohai Rim 6,848 (4,982) (27,061)Northeastern 4,920 (2,844) (9,951)Head Office 1,966 (802) (4,040)Overseas 1,025 (501) (2,175)Total 74,618 (45,814) (156,619)2011GrossimpairedloansIndividuallyassessedimpairmentallowancesCollectivelyassessedimpairmentallowancesYangtze River Delta 19,264 (9,721) (29,988)Central 11,885 (6,296) (21,313)Pearl River Delta 9,699 (5,458) (21,106)Western 10,653 (5,878) (23,568)Bohai Rim 9,428 (5,850) (23,412)Northeastern 6,264 (3,379) (8,733)Head Office 1,744 (864) (2,978)Overseas 1,978 (663) (2,010)Total 70,915 (38,109) (133,108)The definitions of geographical segments are set out in Note 58(1).176 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 103 and 104:
Page 105 and 106:
Page 107 and 108:
Page 109 and 110:
Page 111 and 112:
Page 113 and 114:
Page 115 and 116:
Page 117 and 118:
Page 119 and 120:
Page 121 and 122:
Page 123 and 124:
Page 125 and 126: Notes to the financial statements(E
Page 175: Notes to the financial statements(E
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

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?