HSBC 2009 Annual Report Download - page 212

HSBC HOLDINGS PLC
Report of the Directors: Risk (continued)
Credit risk > Credit exposure > Concentration of exposure
210
lending portfolios is set out in Areas of Special
Interest on pages 214 to 218.
The following tables analyse loans by industry
sector and by the location of the principal operations
of the lending subsidiary or, in the case of the
operations of The Hongkong and Shanghai Banking
Corporation, HSBC Bank, HSBC Bank Middle East
and HSBC Bank USA, by the location of the lending
branch.
Gross loans and advances by industry sector
(Unaudited)
At
31 December
2008
Constant
currency
effect
Movement on
a constant
currency basis
At
31 December
2009
US$m US$m US$m US$m
Gross loans and advances to customers
Personal2 ........................................................................ 440,227 22,169 (28,190) 434,206
Residential mortgages2,3, ........................................... 243,337 13,567 3,765 260,669
Other personal2,4 ....................................................... 196,890 8,602 (31,955) 173,537
Corporate and commercial ........................................... 407,474 30,384 (54,768) 383,090
Commercial, industrial and international trade......... 209,840 16,125 (29,837) 196,128
Commercial real estate ............................................. 70,969 4,668 (6,248) 69,389
Other property-related .............................................. 30,739 1,783 (2,002) 30,520
Government .............................................................. 6,544 185 (40) 6,689
Other commercial5 .................................................... 89,382 7,623 (16,641) 80,364
Financial ....................................................................... 101,085 5,419 (9,854) 96,650
Non-bank financial institutions ................................ 99,536 5,248 (9,547) 95,237
Settlement accounts .................................................. 1,549 171 (307) 1,413
Asset-backed securities reclassified ............................. 7,991 – (164) 7,827
Total gross loans and advances to customers6 ............. 956,777 57,972 (92,976) 921,773
Gross loans and advances to banks .......................... 153,829 7,413 18,646 179,888
Total gross loans and advances .................................... 1,110,606 65,385 (74,330) 1,101,661
For footnotes, see page 291.
Gross loans and advances to customers by industry sector
(Audited)
2009 2008 2007 2006 2005
US$m US$m US$m US$m US$m
Personal2 .................................................................. 434,206 440,227 500,834 476,146 420,476
Residential mortgages2,3 ...................................... 260,669 243,337 269,068 265,337 238,546
Other personal2,4 .................................................. 173,537 196,890 231,766 210,809 181,930
Corporate and commercial ...................................... 383,090 407,474 400,771 343,107 278,709
Commercial, industrial and international trade ... 196,128 209,840 202,038 162,109 130,802
Commercial real estate ........................................ 69,389 70,969 72,345 60,366 51,815
Other property-related ......................................... 30,520 30,739 33,907 27,165 22,196
Government ......................................................... 6,689 6,544 5,708 8,990 8,218
Other commercial5 ............................................... 80,364 89,382 86,773 84,477 65,678
Financial .................................................................. 96,650 101,085 99,148 62,458 52,174
Non-bank financial institutions ........................... 95,237 99,536 96,781 59,204 50,032
Settlement accounts ............................................. 1,413 1,549 2,367 3,254 2,142
Asset-backed securities reclassified ........................ 7,827 7,991 – – –
Total gross loans and advances to customers6 ........ 921,773 956,777 1,000,753 881,711 751,359
Impaired loans ......................................................... 30,606 25,352 19,582 15,071 12,338
– as a percentage of gross loans and advances
to customers .................................................... 3.3% 2.6% 2.0% 1.7% 1.6%
Total impairment allowances .................................. 25,542 23,909 19,205 13,578 11,357
– as a percentage of total gross loans
and advances ................................................... 2.8% 2.5% 1.9% 1.5% 1.5%
For footnotes, see page 291.