HSBC 2009 Annual Report Download - page 213

211
Loans and advances to customers by industry sector and by geographical region
(Audited)
Europe
Hong
Kong
Rest of
Asia-
Pacific7
Middle
East7
North
America
Latin
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 US$m %
At 31 December 2009
Personal2 ............................................... 162,562 47,946 32,514 6,405 163,934 20,845 434,206 47.2
Residential mortgages2,3 ................... 109,872 35,292 21,983 1,898 86,591 5,033 260,669 28.3
Other personal2,4 ............................... 52,690 12,654 10,531 4,507 77,343 15,812 173,537 18.9
Corporate and commercial ................... 202,919 49,340 46,175 16,604 40,902 27,150 383,090 41.5
Commercial, industrial and
international trade ........................ 112,374 17,728 28,228 9,336 11,528 16,934 196,128 21.3
Commercial real estate ..................... 33,853 13,782 6,475 1,309 11,527 2,443 69,389 7.5
Other property-related ...................... 6,231 10,062 3,863 1,357 8,452 555 30,520 3.3
Government ...................................... 2,216 441 595 1,356 208 1,873 6,689 0.7
Other commercial5 ............................ 48,245 7,327 7,014 3,246 9,187 5,345 80,364 8.7
Financial ............................................... 73,851 2,899 2,350 1,213 14,150 2,187 96,650 10.5
Non-bank financial institutions ........ 73,225 2,462 2,246 1,206 13,963 2,135 95,237 10.3
Settlement accounts .......................... 626 437 104 7 187 52 1,413 0.2
Asset-backed securities reclassified ..... 6,284 – – – 1,543 – 7,827 0.8
Total gross loans and advances
to customers (‘TGLAC’)6,8 ............... 445,616 100,185 81,039 24,222 220,529 50,182 921,773 100.0
Percentage of TGLAC by
geographical region .......................... 48.3% 10.9% 8.8% 2.6% 23.9% 5.5% 100.0%
Impaired loans8 ..................................... 10,722 841 1,200 1,646 13,246 2,951 30,606
– as a percentage of TGLAC ............ 2.4% 0.8% 1.5% 6.8% 6.0% 5.9% 3.3%
Total impairment allowances8 .............. 6,135 804 996 1,378 13,676 2,553 25,542
– as a percentage of TGLAC ............ 1.4% 0.8% 1.2% 5.7% 6.2% 5.1% 2.8%
US$m US$m US$m US$m US$m US$m US$m
At 31 December 2008
Personal ................................................. 141,532 46,087 29,887 7,524 195,534 19,663 440,227 46.0
Residential mortgages3 ...................... 87,267 33,014 18,244 1,941 98,383 4,488 243,337 25.4
Other personal4 .................................. 54,265 13,073 11,643 5,583 97,151 15,175 196,890 20.6
Corporate and commercial ................... 219,640 52,186 47,394 18,732 47,291 22,231 407,474 42.5
Commercial, industrial and
international trade ........................ 121,047 20,186 29,294 10,853 15,178 13,282 209,840 21.9
Commercial real estate ..................... 32,704 14,233 6,713 1,431 13,504 2,384 70,969 7.4
Other property-related ...................... 7,666 10,296 3,541 1,587 7,234 415 30,739 3.2
Government ...................................... 1,864 951 579 1,181 352 1,617 6,544 0.7
Other commercial5 ............................ 56,359 6,520 7,267 3,680 11,023 4,533 89,382 9.3
Financial ............................................... 62,620 2,680 4,193 1,453 27,746 2,393 101,085 10.6
Non-bank financial institutions ........ 61,823 2,402 3,940 1,447 27,560 2,364 99,536 10.4
Settlement accounts .......................... 797 278 253 6 186 29 1,549 0.2
Asset-backed securities reclassified ..... 6,258 – – – 1,733 – 7,991 0.9
TGLAC6 ................................................ 430,050 100,953 81,474 27,709 272,304 44,287 956,777 100.0
Percentage of TGLAC by
geographical region .......................... 44.9% 10.6% 8.5% 2.9% 28.5% 4.6% 100.0%
Impaired loans ...................................... 6,774 852 835 279 14,285 2,327 25,352
– as a percentage of TGLAC ............ 1.6% 0.8% 1.0% 1.0% 5.2% 5.3% 2.6%
Total impairment allowances ............... 3,859 733 813 414 16,090 2,000 23,909
– as a percentage of TGLAC ............ 0.9% 0.7% 1.0% 1.5% 5.9% 4.5% 2.5%
For footnotes, see page 291.