Annual Report 2012

14 UNAUDITED SUPPLEMENTARY FINANCIAL INFORMATION(Expressed in millions of RMB, unless otherwise stated)4 Cross-border claims (continued)Banks andnon-bankfinancialinstitutions2011Publicsectorentities Others TotalAsia Pacific excluding Mainland China 19,327 675 171,002 191,004– of which attributed to Hong Kong 12,190 – 142,388 154,578Europe 3,390 112 66,528 70,030North and South America 24,361 84 57,448 81,893Total 47,078 871 294,978 342,927The above cross-border claims are disclosed in accordance with the requirements of the rules. According to these requirements, “others”includes the transactions with sovereign counterparties.5 Overdue loans and advances to customers by geographical sector2012 2011Yangtze River Delta 24,635 8,361Central 6,433 6,331Bohai Rim 5,677 6,596Pearl River Delta 5,115 5,056Western 4,569 3,789Northeastern 3,663 3,116Head office 1,964 1,736Overseas 305 192Total 52,361 35,177The above analysis represents the gross amount of loans and advances overdue for more than 90 days as required by the rules.Loans and advances with a specific repayment date are classified as overdue when the principal or interest is overdue.Loans and advances repayable on demand are classified as overdue when a demand for repayment has been served on the borrowerbut repayment has not been made in accordance with the instructions. If the loans and advances repayable on demand are outside theapproved limit that was advised to the borrower, they are also considered as overdue.6 Non-bank Mainland China exposureThe Bank is a commercial bank incorporated in Mainland China with its banking business primarily conducted in Mainland China. As at 31December 2012, substantial amounts of the Bank’s exposures arose from businesses with Mainland China entities or individuals. Analysesof various types of exposures by counterparty have been disclosed in the respective notes to the financial statements.China Construction Bank Corporation annual report 2012211