House of the Year, China – China Construction Bank

huang-zhiling-ccb
Huang Zhiling, CCB

China-watchers are split into two camps when it comes to the country's future economic growth: the bears and the bulls. For the former the rise in non-performing loans (NPLs) has become a key metric as the Middle Kingdom slips from its decade-long period of 10% annual growth to a likely 8% for 2012.

Keeping on top of the deteriorating state of corporate and personal loans has been one of several areas where China Construction Bank (CCB) has demonstrated a prudent approach to risk management in a