In HK$ million As at
31 December
2015		 As at
31 December
2014		 Increase/(Decrease) Note to
the Financial
Statements
Amount %
Total assets 6,803,309 5,947,831 855,478 14%  
Loans and advances to customers and other parties 2,947,798 2,711,851 235,947 9% 25
Investments classified as receivables 1,331,281 834,652 496,629 60% 28
Fixed assets 183,740 179,303 4,437 2% 32
Financial assets held under resale agreements 165,391 172,100 (6,709) (4%) 24
Inventories 130,447 133,258 (2,811) (2%) 23
Total liabilities 6,140,140 5,372,324 767,816 14%  
Deposits from customers 3,766,848 3,586,508 180,340 5% 40
Deposits from banks and non-bank financial institutions 1,275,421 871,213 404,208 46% 36
Debt instruments issued 449,772 273,126 176,646 65% 42
Bank and other loans 147,221 218,993 (71,772) (33%) 41
Total ordinary shareholders’ funds and perpetual capital securities 492,902 431,960 60,942 14%  

Total assets

Total assets increased from HK$5,947,831 million as at 31 December 2014 to HK$6,803,309 million as at 31 December 2015, mainly attributable to an increase in Investments classified as receivables and Loans and advances to customers and other parties by CITIC Bank.

By geography

Loans and advances to customers and other parties

As at 31 December 2015, the loans and advances to customers and other parties of the Group was HK$2,947,798 million, an increase of HK$235,947 million, 9% from 2014. The proportion of loans and advances to customers and other parties to total assets was 43%, a decrease of 3% compared to 31 December 2014.

In HK$ million As at
31 December
2015		 As at
31 December
2014		 Increase/(Decrease)
Amount %
Corporate loans 2,115,285 1,991,735 123,550 6%
Discounted bills 110,721 86,254 24,467 28%
Personal loans 798,078 702,963 95,115 14%
Total loans and advances to customers and other parties 3,024,084 2,780,952 243,132 9%
Impairment allowances (76,286) (69,101) 7,185 10%
Net loans and advances to customers and other parties 2,947,798 2,711,851 235,947 9%

Deposits from customers

As at 31 December 2015, deposits from customers of the financial institutions under the Group were HK$3,766,848 million, an increase of HK$180,340 million, 5% compared to 31 December 2014. The proportion of deposits from customers to total liabilities was 61%, a decrease of 6% compared to 31 December 2014.

In HK$ million As at
31 December
2015		 As at
31 December
2014		 Increase/(Decrease)
Amount %
Corporate deposits
Time deposits 1,727,112 1,729,747 (2,635) (0.2%)
Demand deposits 1,393,564 1,205,007 188,557 16%
Subtotal 3,120,676 2,934,754 185,922 6%
Personal deposits
Time deposits 432,611 464,578 (31,967) (7%)
Demand deposits 213,561 187,176 26,385 14%
Subtotal 646,172 651,754 (5,582) (1%)
Total 3,766,848 3,586,508 180,340 5%

Bank and other loans

In HK$ million As at
31 December
2015

 As at
31 December
2014
(Restated)		 Increase/(Decrease)
Amount %
Financial services 1,339 – 1,339 100%
Resources and energy 42,562 42,798 (236) (1%)
Manufacturing 16,521 19,130 (2,609) (14%)
Engineering contracting 1,282 2,142 (860) (40%)
Real estate 85,618 75,875 9,743 13%
Others 37,672 32,493 5,179 16%
Operation management 12,586 85,754 (73,168) (85%)
Elimination (50,359) (39,199) (11,160) 28%
Total 147,221 218,993 (71,772) (33%)

Debt instruments issued

In HK$ million As at
31 December
2015

 As at
31 December
2014
(Restated)		 Increase/(Decrease)
Amount %
Financial services 345,120 169,215 175,905 104%
Resources and energy 446 – 446 100%
Manufacturing 5,033 5,054 (21) (0.4%)
Engineering contracting – – – –
Real estate 4,750 – 4,750 100%
Others 5,283 3,477 1,806 52%
Operation management 89,804 95,660 (5,856) (6%)
Elimination (664) (280) (384) 137%
Total 449,772 273,126 176,646 65%

Total ordinary shareholders’ funds and perpetual capital securities

Total ordinary shareholders’ funds and perpetual capital securities increased from HK$431,960 million as at 31 December 2014 to HK$492,902 million as at 31 December 2015, mainly attributable to an increase in profit, issue of shares and other comprehensive income for the year.