CITIC Limited Half-Year Report 2020

106 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) (iv) Loans and advances to customers and other parties analysed by geographical 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 Mainland China 4,435,548 94% 2,468,121 4,297,094 94% 2,404,040 Hong Kong, Macau and Taiwan 176,823 4% 83,541 189,415 4% 92,826 Overseas 20,244 1% 11,007 2,743 1% 1,273 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 (v) Loans and advances to customers and other parties analysed by type of security 30 June 2020 31 December 2019 HK$ million HK$ million Unsecured loans 1,118,153 1,090,369 Guaranteed loans 539,556 549,063 Secured loans – Loans secured by collateral 2,079,973 2,049,804 – Pledged loans 482,696 448,335 4,220,378 4,137,571 Discounted bills 412,237 351,681 4,632,615 4,489,252 Accrued interest 12,939 11,388 Gross loans and advances 4,645,554 4,500,640