HSBC 2008 Annual Report Download - page 60

HSBC HOLDINGS PLC
Report of the Directors: Operating and Financial Review (continued)
Financial summary > Balance sheet > Loan maturities / Deposits
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Loan maturity and interest sensitivity analysis
At 31 December 2008, 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 ............................. 58,520 29,258 35,668 10,966 11,919 146,331
Commercial loans to customers
Commercial, industrial and international
trade............................................................. 83,772 14,666 31,433 5,611 8,827 144,309
Real estate and other property related ............ 18,430 6,253 6,071 9,527 1,497 41,778
Non-bank financial institutions ...................... 57,853 1,070 4,188 21,490 1,116 85,717
Governments .................................................. 1,121 117 1,260 243 309 3,050
Other commercial ........................................... 35,652 1,919 5,648 8,737 1,955 53,911
196,828 24,025 48,600 45,608 13,704 328,765
Hong Kong Government Home Ownership
Scheme ........................................................... – 442 – – – 442
Residential mortgages and other personal loans. 30,336 13,476 13,972 36,119 8,382 102,285
Loans and advances to customers ...................... 227,164 37,943 62,572 81,727 22,086 431,492
285,684 67,201 98,240 92,693 34,005 577,823
Maturity after 1 year but within 5 years
Loans and advances to banks ............................. 3,152 388 398 442 190 4,570
Commercial loans to customers
Commercial, industrial and international
trade............................................................. 23,889 4,943 7,360 8,087 3,640 47,919
Real estate and other property related ............ 13,760 13,716 6,182 8,002 790 42,450
Non-bank financial institutions ...................... 3,419 594 1,111 3,112 1,185 9,421
Governments .................................................. 323 784 355 78 769 2,309
Other commercial ........................................... 11,839 3,365 4,130 3,214 2,072 24,620
53,230 23,402 19,138 22,493 8,456 126,719
Hong Kong Government Home Ownership
Scheme ........................................................... – 1,404 – – – 1,404
Residential mortgages and other personal loans ... 31,595 8,991 9,948 52,234 5,755 108,523
Loans and advances to customers ...................... 84,825 33,797 29,086 74,727 14,211 236,646
87,977 34,185 29,484 75,169 14,401 241,216
Interest rate sensitivity of loans and advances
to banks and commercial loans to customers
Fixed interest rate ........................................... 11,333 185 2,734 5,066 2,460 21,778
Variable interest rate ...................................... 45,049 23,605 16,802 17,869 6,186 109,511
56,382 23,790 19,536 22,935 8,646 131,289
Maturity after 5 years
Loans and advances to banks .............................. 340 – 75 50 2,463 2,928
Commercial loans to customers
Commercial, industrial and international
trade ............................................................ 13,386 577 1,354 1,480 815 17,612
Real estate and other property related ............ 8,180 4,560 1,019 3,209 512 17,480
Non-bank financial institutions ...................... 551 738 88 2,958 63 4,398
Governments .................................................. 420 50 145 31 539 1,185
Other commercial ........................................... 15,923 1,514 1,428 991 535 20,391
38,460 7,439 4,034 8,669 2,464 61,066
Hong Kong Government Home Ownership
Scheme ........................................................... – 2,036 – – – 2,036
Residential mortgages and other personal loans. 79,601 19,738 13,491 107,181 5,526 225,537
Loans and advances to customers ...................... 118,061 29,213 17,525 115,850 7,990 288,639
118,401 29,213 17,600 115,900 10,453 291,567
Interest rate sensitivity of loans and advances
to banks and commercial loans to customers
Fixed interest rate ........................................... 7,607 – 942 1,128 619 10,296
Variable interest rate ...................................... 31,193 7,439 3,167 7,591 4,308 53,698
38,800 7,439 4,109 8,719 4,927 63,994