HSBC 2005 Annual Report Download - page 124

HSBC HOLDINGS PLC
Financial Review (continued)
122
Loans and advances to customers by industry sector and by geographical region (continued)
At 31 December 2004
Europe
Hong
Kong
Rest of
Asia-
Pacific
North
America
South
America
Gross
loans and
advances to
customers
Gross loans
by industry
sector as a
% of total
gross loans
US$m US$m US$m US$m US$m US$m %
Personal
Residential mortgages ........... 70,546 23,990 14,860 112,861 207 222,464 32.5
Hong Kong Government
Home Ownership Scheme . – 5,383 – – – 5,383 0.8
Other personal ....................... 57,920 9,105 9,079 80,463 3,438 160,005 23.3
128,466 38,478 23,939 193,324 3,645 387,852 56.6
Corporate and commercial
Commercial, industrial and
international trade ............. 55,018 14,132 19,177 11,599 1,950 101,876 14.9
Commercial real estate .......... 18,917 10,388 4,232 9,798 134 43,469 6.3
Other property-related ........... 6,850 5,959 3,350 4,518 72 20,749 3.0
Government ........................... 3,663 615 1,432 3,868 949 10,527 1.5
Other commercial1.................. 34,185 7,294 7,015 5,718 939 55,151 8.1
118,633 38,388 35,206 35,501 4,044 231,772 33.8
Financial
Non-bank financial
institutions ......................... 30,901 1,932 2,297 17,090 109 52,329 7.6
Settlement accounts ............... 4,476 596 305 8,431 11 13,819 2.0
35,377 2,528 2,602 25,521 120 66,148 9.6
Total gross loans and
advances to customers2 .......... 282,476 79,394 61,747 254,346 7,809 685,772 100.0
Percentage of Group loans and
advances by geographical
region .................................... 41.2% 11.6% 9.0% 37.1% 1.1% 100.0%
Impaired loans3,4 ......................... 6,039 696 1,160 3,875 657 12,427
Impaired loans as a percentage of
gross loans and advances3...... 2.1% 0.9% 1.9% 1.5% 8.4% 1.8%
Specific provisions outstanding
against loans and advances4 ... 4,036 320 785 4,364 512 10,017
Specific provisions outstanding
as a percentage of impaired
loans3,4 .................................... 66.8% 46.0% 67.7% 112.6% 77.9% 80.6%
1Other commercial loans and advances include advances in respect of agriculture, transport, energy and utilities.
2Included within this total is credit card lending of US$56,222 million.
3Net of suspended interest.
4Included in North America are impaired loans of US$3,782 million and specific provisions of US$3,443 million in HSBC Finance;
excluding HSBC Finance, specific provisions outstanding as a percentage of impaired loans was 54.6 per cent.