HSBC 2015 Annual Report Download - page 150

Report of the Directors: Risk (continued)
Credit risk
HSBC HOLDINGS PLC
148
Residential mortgage loans including loan commitments by level of collateral (continued)
Europe Asia MENA
North
America
Latin
America Total UK
Hong
Kong
$m $m $m $m $m $m $m $m
Non-impaired loans and advances
Fully collateralised 135,875 99,257 2,431 43,317 3,759 284,639 130,333 57,703
LTV ratio:
–
less than 50% 66,075 60,315 1,324 14,003 1,454 143,171 63,533 42,894
–
51% to 75% 56,178 31,142 856 20,872 1,777 110,825 54,095 12,135
–
76% to 90% 11,856 6,906 212 5,994 480 25,448 11,141 2,298
–
91% to 100% 1,766 894 39 2,448 48 5,195 1,564 376
Partially collateralised:
–
greater than 100% LTV (C) 537 99 60 2,209 167 3,072 388
–
–
collateral value on C 532 81 44 1,999 24 2,680 415
–
136,412 99,356 2,491 45,526 3,926 287,711 130,721 57,703
Impaired loans and advances
Fully collateralised 906 256 122 8,618 154 10,056 781 48
LTV ratio:
–
less than 50% 232 130 53 1,291 103 1,809 197 45
–
51% to 75% 417 90 29 3,462 35 4,033 376 3
–
76% to 90% 163 32 19 2,471 10 2,695 131
–
–
91% to 100% 94 4 21 1,394 6 1,519 77
–
Partially collateralised:
–
greater than 100% LTV (D) 55 7 31 1,395 2 1,490 44
–
–
collateral value on D 40 5 23 1,181 1 1,250 30
–
961 263 153 10,013 156 11,546 825 48
At 31 December 2014 137,373 99,619 2,644 55,539 4,082 299,257 131,546 57,751
Supplementary information
Gross loans and advances by industry sector over five years
2015
Currency
translation
adjustment18 Movement 2014 2013 2012 2011
$m $m $m $m $m $m $m
Personal 374,082 (20,232) 760 393,554 410,728 415,093 393,625
–
first lien residential mortgages 274,511 (13,697) 1,684 286,524 299,875 301,862 278,963
–
other personal3 99,571 (6,535) (924) 107,030 110,853 113,231 114,662
Corporate and commercial 499,513 (30,496) (12,616) 542,625 545,981 517,120 478,064
–
manufacturing 95,858 (8,043) (3,085) 106,986 113,850 112,149 96,054
–
international trade and services 159,019 (10,148) (11,624) 180,791 184,668 169,389 152,709
–
commercial real estate 67,926 (3,483) (1,884) 73,293 74,846 76,760 73,941
–
other property-related 53,464 (1,256) 2,333 52,387 44,832 40,532 39,539
–
government 7,455 (354) 1,666 6,143 7,277 10,785 11,079
–
other commercial4 115,791 (7,212) (22) 123,025 120,508 107,505 104,742
Financial 150,833 (9,577) (2,606) 163,016 170,627 164,013 184,035
–
non-bank financial institutions 60,414 (2,210) 11,806 50,818 50,523 46,871 44,832
–
banks 90,419 (7,367) (14,412) 112,198 120,104 117,142 139,203
Total gross loans and advances 1,024,428 (60,305) (14,462) 1,099,195 1,127,336 1,096,226 1,055,724
Impaired loans and advances to customers 23,758 (1,868) (3,657) 29,283 36,428 38,671 41,584
Impairment allowances on loans and
advances to customers 9,555 (1,189) (1,593) 12,337 15,143 16,112 17,511
Loan impairment charge 3,592 (682) 219 4,055 6,048 8,160 11,505
–
new allowances net of allowance releases 4,400 (821) 211 5,010 7,344 9,306 12,931
–
recoveries (808) 139 8(955) (1,296) (1,146) (1,426)
For footnotes, see page 191.
The personal lending currency effect on gross loans and
advances of $20bn was made up as follows: Europe $10bn,
Asia $4.2bn, Latin America $2.5bn and North America
$3.3bn. The wholesale lending currency effect on gross
loans and advances of $40bn was made up as follows:
Europe $17bn, Asia $8.7bn, Latin America $11bn, North
America $2.7bn and Middle East and North Africa $0.7bn.
In the following two tables, negative percentage numbers
are favourable, positive numbers are unfavourable.