Annual Report 2012

Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)63 Risk Management (continued)(2) Market risk (continued)(c) Interest rate repricing gap analysis (continued)Bank2012EffectiveinterestrateNoninterestbearingWithinthreemonthsBetweenthreemonthsandone yearBetweenone yearandfive yearsMore thanfive yearsTotalNote(i)AssetsCash and deposits with central banks 1.51% 174,909 2,268,367 – – – 2,443,276Deposits and placements with banks andnon–bank financial institutions 3.61% – 562,619 154,634 5,300 – 722,553Financial assets held under resale agreements 4.26% – 275,255 41,369 – – 316,624Loans and advances to customers (ii) 6.33% – 3,722,030 3,309,848 42,133 68,306 7,142,317Investments (iii) 3.58% 26,019 263,703 655,096 928,676 974,356 2,847,850Other assets – 314,130 – – – – 314,130Total assets 4.70% 515,058 7,091,974 4,160,947 976,109 1,042,662 13,786,750LiabilitiesBorrowings from central banks 1.18% – 4,107 2,062 – – 6,169Deposits and placements from banks andnon–bank financial institutions 3.04% – 978,894 70,012 9,231 – 1,058,137Financial liabilities at fair value throughprofit or loss 1.41% 17,282 15,664 1,587 – – 34,533Financial assets sold under repurchaseagreements 3.84% – 720 171 – – 891Deposits from customers 1.99% 39,421 7,854,948 2,314,521 1,034,105 7,005 11,250,000Debt securities issued 3.56% – 48,782 33,474 24,324 138,444 245,024Other liabilities – 256,475 – – – – 256,475Total liabilities 2.11% 313,178 8,903,115 2,421,827 1,067,660 145,449 12,851,229Asset–liability gap 2.59% 201,880 (1,811,141) 1,739,120 (91,551) 897,213 935,521188 China Construction Bank Corporation annual report 2012