CITIC Limited Half-Year Report 2019

106 CITIC Limited Half-Year Report 2019 For the six months ended 30 June 2019 29 Financial risk management and fair values (continued) (a) Credit risk (continued) (iii) Loans and advances to customers and other parties analysed by industry sector: 30 June 2019 31 December 2018 Gross balance Loans and advances secured by collateral Gross balance Loans and advances secured by collateral HK$ million % HK$ million HK$ million % HK$ million Corporate loans – Real estate 349,154 8% 301,660 359,746 8% 312,585 – Rental and business services 338,373 7% 206,821 322,893 7% 202,275 – Manufacturing 321,570 7% 141,862 339,909 8% 158,870 – Water, environment and public utility management 271,401 6% 135,302 238,441 6% 121,983 – Wholesale and retail 178,437 4% 101,895 173,866 4% 102,732 – Transportation, storage and postal services 170,486 4% 79,344 173,919 4% 88,656 – Construction 108,908 2% 47,014 91,025 2% 37,263 – Production and supply of electric power, gas and water 88,018 2% 61,099 83,244 2% 46,415 – Public management and social organizations 14,672 1% 7,301 15,255 1% 3,105 – Others 381,279 9% 165,242 362,503 9% 150,564 2,222,298 50% 1,247,540 2,160,801 51% 1,224,448 Personal loans 1,873,074 43% 1,237,580 1,694,236 41% 1,141,525 Discounted bills 283,774 6% – 279,205 7% – 4,379,146 99% 2,485,120 4,134,242 99% 2,365,973 Accrued interest 10,337 1% – 10,016 1% – 4,389,483 100% 2,485,120 4,144,258 100% 2,365,973 Notes to the Consolidated Financial Statements