HSBC 2015 Annual Report Download - page 133

HSBC HOLDINGS PLC
131
Strategic Report Financial Review Corporate Governance Financial Statements Shareholder Information
Movement in renegotiated loans and advances to customers by geographical region
Europe Asia MENA
North
America
Latin
America Total
$m $m $m $m $m $m
Renegotiated loans at 1 January 2015 7,811 891 1,847 15,235 1,711 27,495
–
personal 1,929 386 85 14,807 386 17,593
–
corporate and commercial 5,469 501 1,439 427 1,324 9,160
–
non-bank financial institutions 413 4323 1 1 742
Loans renegotiated in the year without derecognition 1,970 421 115 999 553 4,058
–
personal 471 87 7625 250 1,440
–
corporate and commercial 1,494 334 89 374 303 2,594
–
non-bank financial institutions 5
–
19
–
–
24
Loans renegotiated in the year resulting in recognition
of a new loan 222 16 196 (1) 175 608
–
personal 57
–
–
(1) 18 74
–
corporate and commercial 156 16 4
–
157 333
–
non-bank financial institutions 9
–
192
–
–
201
Repayments (1,675) (351) (276) (1,304) (467) (4,073)
–
personal (574) (88) (32) (1,166) (185) (2,045)
–
corporate and commercial (1,054) (263) (159) (138) (282) (1,896)
–
non-bank financial institutions (47)
–
(85)
–
–
(132)
Amounts written off (294) (52) (11) (254) (290) (901)
–
personal (45) (24) (5) (241) (139) (454)
–
corporate and commercial (249) (28) (6) (12) (150) (445)
–
non-bank financial institutions
–
–
–
(1) (1) (2)
Other (720) 18 (119) (2,303) (1,104) (4,228)
–
personal (79) (21) 14 (2,290) (258) (2,634)
–
corporate and commercial (601) 39 44 (13) (846) (1,377)
–
non-bank financial institutions (40)
–
(177)
–
–
(217)
At 31 December 2015 7,314 943 1,752 12,372 578 22,959
–
personal 1,759 340 69 11,734 72 13,974
–
corporate and commercial 5,215 599 1,411 638 506 8,369
–
non-bank financial institutions 340 4272
–
–
616
Renegotiated loans at 1 January 2014 9,756 767 2,094 18,789 2,769 34,175
–
personal 2,251 435 149 18,130 607 21,572
–
corporate and commercial 7,270 330 1,583 658 2,161 12,002
–
non-bank financial institutions 235 2362 1 1 601
Loans renegotiated in the year without derecognition 1,543 371 296 862 725 3,797
–
personal 433 83 10 774 310 1,610
–
corporate and commercial 939 288 286 78 415 2,006
–
non-bank financial institutions 171
–
–
10
–
181
Loans renegotiated in the year resulting in recognition
of a new loan 500 579
–
92 676
–
personal 69 2
–
–
28 99
–
corporate and commercial 381
–
61
–
64 506
–
non-bank financial institutions 50 318
–
–
71
Repayments (2,416) (246) (562) (1,518) (1,036) (5,778)
–
personal (635) (96) (47) (1,319) (288) (2,385)
–
corporate and commercial (1,757) (149) (445) (189) (747) (3,287)
–
non-bank financial institutions (24) (1) (70) (10) (1) (106)
Amounts written off (828) (42) (23) (640) (510) (2,043)
–
personal (88) (28) (7) (568) (223) (914)
–
corporate and commercial (740) (14) (16) (72) (286) (1,128)
–
non-bank financial institutions
–
–
–
–
(1) (1)
Other (744) 36 (37) (2,258) (329) (3,332)
–
personal (101) (10) (20) (2,210) (48) (2,389)
–
corporate and commercial (624) 46 (30) (48) (283) (939)
–
non-bank financial institutions (19)
–
13
–
2 (4)
At 31 December 2014 7,811 891 1,847 15,235 1,711 27,495
–
personal 1,929 386 85 14,807 386 17,593
–
corporate and commercial 5,469 501 1,439 427 1,324 9,160
–
non-bank financial institutions 413 4323 1 1 742
A range of forbearance strategies are employed in order
to improve the management of customer relationships,
maximise collection opportunities and, if possible, avoid
default, foreclosure or repossession.
The table below shows the arrangement type as a percentage
of the total value of arrangements offered. Corporate
renegotiated loans often require the granting of more than
one arrangement type as part of an effective strategy. The