Management Discussion and Analysis — Business Review
Management Discussion and Analysis — Business Review Operating income for each line of business of the Group is set forth in the following table: Unit: RMB million, except percentages 2019 2018 Items Amount % of total Amount % of total Commercial banking business 497,424 90.44% 462,355 91.77% Including: Corporate banking business 221,123 40.21% 211,365 41.96% Personal banking business 186,744 33.95% 173,531 34.44% Treasury operations 89,557 16.28% 77,459 15.37% Investment banking and insurance 35,226 6.40% 25,524 5.07% Others and elimination 17,360 3.16% 15,927 3.16% Total 550,010 100.00% 503,806 100.00% A detailed review of the Group’s principal deposits and loans is summarised in the following table: Unit: RMB million As at As at As at Items 31 December 2019 31 December 2018 31 December 2017 Corporate deposits Chinese mainland: RMB 6,027,076 5,884,433 5,495,494 Foreign currency 544,829 453,815 436,458 Hong Kong, Macao, Taiwan and other countries and regions 1,729,564 1,594,165 1,451,822 Subtotal 8,301,469 7,932,413 7,383,774 Personal deposits Chinese mainland: RMB 5,544,204 5,026,322 4,551,168 Foreign currency 288,793 302,256 310,253 Hong Kong, Macao, Taiwan and other countries and regions 1,156,651 1,093,892 969,807 Subtotal 6,989,648 6,422,470 5,831,228 Corporate loans Chinese mainland: RMB 5,591,228 5,057,654 4,761,874 Foreign currency 259,463 280,878 338,379 Hong Kong, Macao, Taiwan and other countries and regions 2,135,689 2,009,066 1,872,448 Subtotal 7,986,380 7,347,598 6,972,701 Personal loans Chinese mainland: RMB 4,450,464 3,933,840
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