HSBC 2004 Annual Report Download - page 148

HSBC HOLDINGS PLC
Financial Review (continued)
146
Customer loans and advances by industry sector (continued)
At 31 December 2000
Europe
Hong
Kong
Rest of
Asia-
Pacific
North
America
South
America
Gross
loans and
advances to
customers
Gross loans
by customer
type as a
% of total
gross loans
US$m US$m US$m US$m US$m US$m %
Personal
Residential mortgages ................. 24,048 23,121 3,723 19,931 809 71,632 24.0
Hong Kong Government Home
Ownership Scheme ................. –7,353 –––7,353 2.5
Other personal ............................. 20,537 4,923 4,110 6,847 1,364 37,781 12.5
Total personal ............................. 44,585 35,397 7,833 26,778 2,173 116,766 39.0
Corporate and commercial
Commercial, industrial and
international trade ................... 38,012 9,584 11,583 9,274 2,803 71,256 23.9
Commercial real estate ................ 10,053 8,293 2,749 6,915 77 28,087 9.4
Other property-related ................. 3,121 3,850 1,815 4,072 156 13,014 4.4
Government ................................ 2,572 130 574 715 50 4,041 1.4
Other commercial1 ....................... 19,570 7,459 5,406 3,753 937 37,125 12.4
Total corporate and commercial .. 73,328 29,316 22,127 24,729 4,023 153,523 51.5
Financial
Non-bank financial institutions ... 10,374 1,664 629 8,629 152 21,448 7.2
Settlement accounts .................... 3,946 142 361 2,464 41 6,954 2.3
Total financial ............................. 14,320 1,806 990 11,093 193 28,402 9.5
Total gross loans and advances
to customers2 ........................... 132,233 66,519 30,950 62,600 6,389 298,691 100.0
Percentage of Group loans and
advances by geographical
region....................................... 44.3% 22.3% 10.4% 20.9% 2.1% 100.0%
Non-performing loans3 ................ 3,376 2,521 3,081 684 710 10,372
Non-performing loans as a
percentage of gross loans and
advances to customers3 ............ 2.6% 3.8% 9.9% 1.1% 11.1% 3.5%
Specific provisions outstanding
against loans and advances ..... 2,135 1,241 1,929 278 482 6,065
Specific provisions outstanding
as a percentage of non-
performing loans3 .................... 63.2% 49.2% 62.6% 40.6% 67.9% 58.5%
1 Other commercial includes advances in respect of agriculture, transport, energy and utilities.
2 Included within this total is credit card lending of US$7,604 million.
3 Net of suspended interest.