HSBC 2007 Annual Report Download - page 181

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Loan maturity and interest sensitivity analysis
At 31 December 2007, the geographical analysis of loan maturity and interest sensitivity by loan type on a
contractual repayment basis was as follows:
Europe
Hong
Kong
Rest
of Asia-
Pacific
North
America
Latin
America Total
US$m US$m US$m US$m US$m US$m
Maturity of 1 year or less
Loans and advances to banks ............................. 93,786 63,474 39,534 15,906 9,981 222,681
Commercial loans to customers
Commercial, industrial and international
trade............................................................. 84,293 14,259 29,713 5,293 9,589 143,147
Real estate and other property related ............ 21,048 6,434 5,554 10,541 1,442 45,019
Non-bank financial institutions ...................... 57,054 1,395 4,004 20,342 2,068 84,863
Governments .................................................. 1,423 68 1,080 91 465 3,127
Other commercial ........................................... 33,379 2,097 6,176 8,723 2,977 53,352
197,197 24,253 46,527 44,990 16,541 329,508
Hong Kong Government Home Ownership
Scheme ........................................................... – 438 – – – 438
Residential mortgages and other personal loans. 37,382 14,499 14,632 50,872 10,556 127,941
Loans and advances to customers ...................... 234,579 39,190 61,159 95,862 27,097 457,887
328,365 102,664 100,693 111,768 37,078 680,568
Maturity after 1 year but within 5 years
Loans and advances to banks ............................. 10,397 263 236 634 80 11,610
Commercial loans to customers
Commercial, industrial and international
trade............................................................. 22,765 3,045 5,650 6,370 3,376 41,206
Real estate and other property related ............ 14,809 9,832 5,738 7,412 962 38,753
Non-bank financial institutions ...................... 3,035 456 1,160 1,690 858 7,199
Governments .................................................. 342 263 415 95 242 1,357
Other commercial ........................................... 11,637 2,191 2,969 2,242 1,376 20,415
52,588 15,787 15,932 17,809 6,814 108,930
Hong Kong Government Home Ownership
Scheme ........................................................... – 1,384 – – – 1,384
Residential mortgages and other personal loans. 42,576 9,007 9,506 64,799 6,644 132,532
Loans and advances to customers ...................... 95,164 26,178 25,438 82,608 13,458 242,846
105,561 26,441 25,674 83,242 13,538 254,456
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers:
Fixed interest rate ........................................... 13,470 209 2,662 3,539 1,967 21,847
Variable interest rate ...................................... 49,515 15,841 13,506 14,904 4,927 98,693
62,985 16,050 16,168 18,443 6,894 120,540
Maturity after 5 years
Loans and advances to banks .............................. 351 – 91 26 2,614 3,082
Commercial loans to customers
Commercial, industrial and international
trade ............................................................ 13,301 436 1,098 2,274 576 17,685
Real estate and other property related ............ 12,090 4,203 964 4,608 615 22,480
Non-bank financial institutions ...................... 1,127 632 27 220 2,713 4,719
Governments .................................................. 534 1 172 62 455 1,224
Other commercial ........................................... 10,820 1,669 1,148 1,315 421 15,373
37,872 6,941 3,409 8,479 4,780 61,481
Hong Kong Government Home Ownership
Scheme ........................................................... – 2,120 – – – 2,120
Residential mortgages and other personal loans. 88,591 19,527 12,772 114,891 4,580 240,361
Loans and advances to customers ...................... 126,463 28,588 16,181 123,370 9,360 303,962
126,814 28,588 16,272 123,396 11,974 307,044
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers
Fixed interest rate ........................................... 10,055 1 992 912 509 12,469
Variable interest rate ...................................... 28,168 6,940 2,508 7,593 6,885 52,094
38,223 6,941 3,500 8,505 7,394 64,563