CITIC Limited Half-Year Report 2020

105 CITIC Limited Half-Year Report 2020 For the six months ended 30 June 2020 Notes to the Consolidated Financial Statements 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 2020 31 December 2019 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 321,572 7% 282,093 326,183 7% 288,557 – Rental and business services 434,774 9% 217,060 393,789 8% 213,173 – Manufacturing 330,577 7% 169,228 290,098 6% 127,970 – Water, environment and public utility management 361,277 8% 164,114 300,791 7% 139,303 – Wholesale and retail 171,866 3% 111,996 165,088 4% 98,624 – Transportation, storage and postal services 159,513 3% 75,722 172,346 4% 79,691 – Construction 106,917 2% 59,720 108,029 2% 51,945 – Production and supply of electric power, gas and water 80,665 2% 42,211 73,947 2% 52,616 – Public management and social organizations 12,159 1% 881 14,672 1% 7,517 – Others 319,343 7% 135,208 357,563 8% 162,774 2,298,663 49% 1,258,233 2,202,506 49% 1,222,170 Personal loans 1,921,715 41% 1,304,436 1,935,065 42% 1,275,969 Discounted bills 412,237 9% – 351,681 8% – 4,632,615 99% 2,562,669 4,489,252 99% 2,498,139 Accrued interest 12,939 1% 2 11,388 1% – 4,645,554 100% 2,562,671 4,500,640 100% 2,498,139