HSBC 2012 Annual Report Download - page 139

137
Overview Operating & Financial Review Corporate Governance Financial Statements Shareholder Information
Credit risk
Page App1Tables Page
Credit risk management ......................................... 252
Summary of credit risk in 2012 .......................... 139 Maximum exposure to credit risk .......................................... 139
Loans and advances excluding held for sale: total
exposure, impairment allowances and charges ................ 139
Personal lending ................................................................... 140
Wholesale lending ................................................................. 141
Credit quality of gross loans and advances .......................... 142
Impairment of loans and advances ........................ 143 LICs by geographical region ................................................ 143
LICs by industry .................................................................... 143
Assets held for sale ................................................ 143
Loans and advances to customers and banks measured at
amortised cost ................................................................... 143
Loan impairment charges and other credit risk provisions . 144
Credit exposure .................................................... 144
Maximum exposure to credit risk .......................... 144 Maximum exposure to credit risk .......................................... 146
Loans and other credit-related commitments ....................... 146
Personal lending ................................................... 147 Total personal lending .......................................................... 147
Mortgage lending ................................................... 148 Mortgage lending products ................................................... 149
Mortgage lending in the US .................................. 150 HSBC Finance US CML – residential mortgages ................ 150
Credit quality of personal lending in the US ......... 151 HSBC Finance: foreclosed properties in the US .................. 151
Trends in two months and over contractual delinquency
in the US ............................................................................ 152
Wholesale lending ................................................ 152 Total wholesale lending ........................................................ 153
Corporate and commercial .................................... 154
Financial (non-bank) .............................................. 154
Loans and advances to banks ................................ 154
Credit quality of financial instruments ............. 154 253 Credit quality classification .................................................. 253
2012 compared with 2011 ..................................... 154 Distribution of financial instruments by credit quality ......... 155
Past due but not impaired gross financial
instruments ........................................................ 156
Past due but not impaired loans and advances to
customers and banks by geographical region .................. 157
Ageing analysis of days past due but not impaired gross
financial instruments ......................................................... 157
Renegotiated loans and forbearance ...................... 158 254 Renegotiated loans and advances to customers ................... 158
Renegotiated loans and advances to customers by
geographical region .......................................................... 158
2012 compared with 2011 ..................................... 159
HSBC Finance loan modifications and re-ageing . 159 Gross loan portfolio of HSBC Finance real estate
secured balances ............................................................... 161
Movement in HSBC Finance renegotiated real estate
balances ............................................................................. 161
Number of renegotiated real estate secured accounts
remaining in HSBC Finance’s portfolio ........................... 161
Corporate and commercial forbearance ................ 161
Impaired loans ....................................................... 162 Movement in impaired loans by geographical region .......... 163
Collateral .............................................................. 163
Collateral and other credit enhancements held ..... 163 Residential mortgage loans ................................................... 164
Commercial real estate loans and advances by collateral ... 165
Other corporate, commercial and financial (non-bank)
loans and advances by collateral ..................................... 166
Loans and advances to banks including loan commitments
by collateral ...................................................................... 167
Collateral and other credit enhancements obtained 168 Carrying amount ................................................................... 168
Impairment of loans and advances .................... 168 258 Impairment allowances on loans and advances to
customers by geographical region .................................... 169
Net loan impairment charge to the income statement by
geographical region .......................................................... 170
2012 compared with 2011 ..................................... 170
Further analysis of impairment .............................. 172 Movement in impairment allowances by industry sector ..... 174
Movement in impairment allowances on loans and
advances to customers and banks ..................................... 175