HSBC 2010 Annual Report Download - page 101

99
Overview Operating & Financial Review Governance Financial Statements Shareholder Information
Gross loans and advances by industry sector
(Audited)
2010
Currency
effect
Move-
ment 2009 2008 2007 2006
US$m US$m US$m US$m US$m US$m US$m
Personal2 .......................................................... 425,320 (2,026) (6,860) 434,206 440,227 500,834 476,146
Residential mortgages2,3 .............................. 268,681 (1,707) 9,719 260,669 243,337 269,068 265,337
Other personal2,4 .......................................... 156,639 (319) (16,579) 173,537 196,890 231,766 210,809
Corporate and commercial .............................. 445,512 (5,297) 67,719 383,090 407,474 400,771 343,107
Commercial, industrial and international
trade ......................................................... 237,694 (2,948) 44,514 196,128 209,840 202,038 162,109
Commercial real estate ................................ 71,880 (773) 3,264 69,389 70,969 72,345 60,366
Other property-related ................................. 34,838 222 4,096 30,520 30,739 33,907 27,165
Government ................................................. 8,594 (14) 1,919 6,689 6,544 5,708 8,990
Other commercial5 ....................................... 92,506 (1,784) 13,926 80,364 89,382 86,773 84,477
Financial .......................................................... 101,725 (3,540) 8,615 96,650 101,085 99,148 62,458
Non-bank financial institutions ................... 100,163 (3,544) 8,470 95,237 99,536 96,781 59,204
Settlement accounts ..................................... 1,562 4 145 1,413 1,549 2,367 3,254
Asset-backed securities reclassified ................ 5,892 (319) (1,616) 7,827 7,991 – –
Total gross loans and advances to customers
(‘TGLAC’)6 ................................................. 978,449 (11,182) 67,858 921,773 956,777 1,000,753 881,711
Gross loans and advances to banks ................. 208,429 (8) 28,549 179,888 153,829 237,373 185,212
Total gross loans and advances ....................... 1,186,878 (11,190) 96,407 1,101,661 1,110,606 1,238,126 1,066,923
Impaired loans and advances to customers ..... 28,091 (254) (2,261) 30,606 25,352 19,582 15,071
– as a percentage of TGLAC ..................... 2.9% 3.3% 2.6% 2.0% 1.7%
Impairment allowances on loans and
advances to customers ................................. 20,083 (75) (5,384) 25,542 23,909 19,205 13,578
– as a percentage of TGLAC ..................... 2.1% 2.8% 2.5% 1.9% 1.5%
Charge for impairment losses .......................... 13,548 321 (11,715) 24,942 24,131 17,177 10,547
New allowances net of allowance releases . 14,568 353 (11,617) 25,832 24,965 18,182 11,326
Recoveries ................................................... (1,020) (32) (98) (890) (834) (1,005) (779)
For footnotes, see page 174.