HSBC 2004 Annual Report Download - page 165

163
At 31 December
2004
US$m
2003
US$m
2002
US$m
2001
US$m
2000
US$m
Loans accounted for on a non-accrual
basis
Europe ....................................................... 3,498 3,138 2,393 2,052 1,985
HSBC Finance ...................................... 419 326–––
Other ..................................................... 3,079 2,812 2,393 2,052 1,985
Hong Kong ................................................ 116 166 247 213 236
Rest of Asia-Pacific .................................. 156 168 294 195 429
North America .......................................... 3,856 4,618 1,624 593 627
HSBC Finance ...................................... 3,138 3,683 – – –
Other ..................................................... 718 935 1,624 593 627
South America .......................................... 589 601 293 429 550
Total .......................................................... 8,215 8,691 4,851 3,482 3,827
Loans on which interest has been
accrued but suspended
Europe ....................................................... 2,555 2,542 2,086 1,553 1,389
Hong Kong ................................................ 580 1,504 1,460 1,795 2,259
Rest of Asia-Pacific .................................. 1,016 1,351 1,714 2,497 2,627
North America .......................................... 19 33 48 67 39
South America .......................................... 68 95 183 115 160
Total .......................................................... 4,238 5,525 5,491 6,027 6,474
Assets acquired in exchange for advances
Europe ....................................................... 27 32 26 84 25
Hong Kong ................................................ 75 2171926
Rest of Asia-Pacific .................................. 21 30 54 32 24
North America .......................................... 708 794 101 14 19
HSBC Finance ...................................... 644 697–––
Other ..................................................... 64 97 101 14 19
Total .......................................................... 831 858 198 149 94
Total non-performing loans ...................... 13,284 15,074 10,540 9,658 10,395
Troubled debt restructurings
Europe ....................................................... 34 159 41 – –
HSBC Finance ...................................... –––––
Other ..................................................... 34 159 41 – –
Hong Kong ................................................ 436 571 396 381 395
Rest of Asia-Pacific .................................. 56 68 89 131 231
North America .......................................... 144 210437
HSBC Finance ...................................... 22–––
Other ..................................................... 142 208437
South America .......................................... 693 837 669 144 142
Total .......................................................... 1,363 1,845 1,199 659 775
Accruing loans contractually past due 90
days or more as to principal or interest
Europe ....................................................... 68 34 16 15 11
Hong Kong ................................................ 67 205 193 98 76
Rest of Asia-Pacific .................................. 56 45 33 38 66
North America .......................................... 871 1,252 42 52 64
HSBC Finance ...................................... 607 1,215 – – –
Other ..................................................... 264 37 42 52 64
South America .......................................... –2 7 47 82
Total .......................................................... 1,062 1,538 291 250 299
Total risk elements
Europe ....................................................... 6,182 5,905 4,562 3,704 3,410
HSBC Finance ...................................... 419 326–––
Other ..................................................... 5,763 5,579 4,562 3,704 3,410
Hong Kong ................................................ 1,274 2,448 2,313 2,506 2,992
Rest of Asia-Pacific .................................. 1,305 1,662 2,184 2,893 3,377
North America .......................................... 5,598 6,907 1,819 729 756
HSBC Finance ...................................... 4,391 5,597 – – –
Other ..................................................... 1,207 1,310 1,819 729 756
South America .......................................... 1,350 1,535 1,152 735 934
Total .......................................................... 15,709 18,457 12,030 10,567 11,469
Provisions for bad and doubtful debts as a
percentage of total risk elements .......... 80.8% 74.3% 76.0% 77.4% 71.5%