HSBC 2009 Annual Report Download - page 59

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Loan maturity and interest sensitivity analysis
At 31 December 2009, 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-
Pacific27
Middle
East27
North
America
Latin
America Total
US$m US$m US$m US$m US$m US$m US$m
Maturity of 1 year or less
Loans and advances to banks ................................... 62,840 35,817 35,535 8,212 15,093 15,525 173,022
Commercial loans to customers
Commercial, industrial and international trade .... 80,451 12,563 22,085 7,248 4,327 9,576 136,250
Real estate and other property related .................. 18,951 5,678 4,221 1,624 8,690 1,545 40,709
Non-bank financial institutions ............................ 67,934 1,201 1,751 959 9,680 1,181 82,706
Governments ........................................................ 1,155 110 172 1,212 161 442 3,252
Other commercial ................................................. 26,238 2,026 4,173 1,432 6,944 2,665 43,478
194,729 21,578 32,402 12,475 29,802 15,409 306,395
Hong Kong Government Home Ownership
Scheme ................................................................. – 385 –
– – – 385
Residential mortgages and other personal loans ....... 29,732 13,083 10,811 2,959 35,352 8,793 100,730
Loans and advances to customers ............................ 224,461 35,046 43,213 15,434 65,154 24,202 407,510
287,301 70,863 78,748 23,646 80,247 39,727 580,532
Maturity after 1 year but within 5 years
Loans and advances to banks ................................... 2,452 380 105 168 221 374 3,700
Commercial loans to customers
Commercial, industrial and international trade .... 21,101 4,708 5,427 1,591 6,183 4,591 43,601
Real estate and other property related .................. 13,937 13,125 5,354 957 8,551 988 42,912
Non-bank financial institutions ............................ 4,622 535 472 239 1,993 519 8,380
Governments ........................................................ 461 263 257 125 46 731 1,883
Other commercial ................................................. 13,638 4,375 2,536 1,076 3,029 2,508 27,162
53,759 23,006 14,046 3,988 19,802 9,337 123,938
Hong Kong Government Home Ownership
Scheme ................................................................. – 1,276 –
– – – 1,276
Residential mortgages and other personal loans ......... 35,063 9,642 6,782 2,635 47,021 6,364 107,507
Loans and advances to customers ............................ 88,822 33,924 20,828 6,623 66,823 15,701 232,721
91,274 34,304 20,933 6,791 67,044 16,075 236,421
Interest rate sensitivity of loans and advances
to banks and commercial loans to customers
Fixed interest rate ................................................. 12,159 302 789 925 3,831 2,684 20,690
Variable interest rate ............................................ 44,052 23,084 13,362 3,231 16,192 7,027 106,948
56,211 23,386 14,151 4,156 20,023 9,711 127,638
Maturity after 5 years
Loans and advances to banks .................................... 322 – 8 55 72 2,709 3,166
Commercial loans to customers
Commercial, industrial and international trade .... 10,822 457 716 497 1,018 2,767 16,277
Real estate and other property related .................. 7,196 5,041 763 85 2,738 465 16,288
Non-bank financial institutions ............................ 669 726 23 8 2,290 435 4,151
Governments ........................................................ 600 68 166 19 1 700 1,554
Other commercial ................................................. 15,279 1,363 409 745 944 224 18,964
34,566 7,655 2,077 1,354 6,991 4,591 57,234
Hong Kong Government Home Ownership
Scheme ................................................................. – 1,795 –
– – – 1,795
Residential mortgages and other personal loans ....... 97,767 21,765 14,921 811 81,561 5,688 222,513
Loans and advances to customers ............................ 132,333 31,215 16,998 2,165 88,552 10,279 281,542
132,655 31,215 17,006 2,220 88,624 12,988 284,708
Interest rate sensitivity of loans and advances
to banks and commercial loans to customers
Fixed interest rate ................................................. 7,742 – 150 749 1,436 2,337 12,414
Variable interest rate ............................................ 27,146 7,655 1,935 660 5,627 4,963 47,986
34,888 7,655 2,085 1,409 7,063 7,300 60,400
For footnote, see page 149.