HSBC 2012 Annual Report Download - page 140

HSBC HOLDINGS PLC
Report of the Directors: Operating and Financial Review (continued)
Risk > Credit risk > Summary in 2012
138
Page App1Tables Page
Impairment of loans and advances
Further analysis of impairment (continued)
Individually and collectively assessed impairment charge
to the income statement by industry sector ....................... 175
Net loan impairment charge to the income statement .......... 176
Charge for impairment losses as a percentage of gross
loans and advances to customers by geographical region 176
Charge for impairment losses as a percentage of average
gross loans and advances to customers ............................ 177
Reconciliation of reported and constant currency changes
by geographical region ..................................................... 177
Impairment assessment .......................................... 258
Concentration of exposure .................................. 178 259 Trading assets ........................................................................ 178
Gross loans and advances by industry sector........................ 179
Gross loans and advances to customers by industry sector
and by geographical region .............................................. 181
Loans and advances to banks by geographical region ......... 182
Gross loans and advances to customers by country ............. 182
HSBC Holdings .................................................... 184 HSBC Holdings – maximum exposure to credit risk ............ 184
Securitisation exposures and other structured
products ............................................................ 184 259
Business model ...................................................... 185
Exposure in 2012 ................................................... 185 Overall exposure of HSBC .................................................... 185
Movement in the available-for-sale reserve ......................... 186
Securities investment conduits .............................. 186 Available-for-sale reserve and economic first loss
protection in SICs, excluding Solitaire ............................. 186
Impairment methodologies .................................... 186 260
Analysis of exposures and significant
movements ......................................................... 186
Carrying amount of HSBC’s consolidated holdings of ABSs,
and direct lending held at fair value through profit or loss 187
Transactions with monoline insurers ..................... 189 HSBC’s exposure to derivative transactions entered into
directly with monoline insurers ........................................ 189
Leveraged finance transactions .......................... 190 HSBC’s exposure to leveraged finance transactions ............ 190
Representations and warranties related to
mortgage sales and securitisation activities .. 191
1 Appendix to Risk - risk policies and practices.