HSBC 2005 Annual Report Download - page 123

121
Loans and advances to customers by industry sector and by geographical region
At 31 December 2005 (Audited IFRS 7 information)
Europe
Hong
Kong
Rest of
Asia-
Pacific
North
America
South
America
Gross
loans and
advances to
customers
Gross loans
by industry
sector as a
% of total
gross loans
US$m US$m US$m US$m US$m US$m %
Personal
Residential mortgages ............. 73,923 23,812 17,641 118,298 192 233,866 31.1
Hong Kong Government
Home Ownership Scheme ... –4,680 – – –4,680 0.6
Other personal ......................... 55,672 9,978 11,178 100,116 4,986 181,930 24.2
129,595 38,470 28,819 218,414 5,178 420,476 55.9
Corporate and commercial
Commercial, industrial and
international trade ............... 76,687 16,736 21,286 13,199 2,894 130,802 17.4
Commercial real estate ............ 22,071 12,557 5,081 11,911 195 51,815 6.9
Other property-related ............. 7,603 6,147 3,426 4,937 83 22,196 3.0
Government ............................. 1,821 303 2,147 3,502 445 8,218 1.1
Other commercial1 ................... 41,944 6,922 7,716 7,960 1,136 65,678 8.7
150,126 42,665 39,656 41,509 4,753 278,709 37.1
Financial
Non-bank financial
institutions ........................... 35,305 1,966 2,202 10,431 128 50,032 6.7
Settlement accounts ................. 1,002 505 175 416 44 2,142 0.3
36,307 2,471 2,377 10,847 172 52,174 7.0
Total gross loans and advances
to customers2............................ 316,028 83,606 70,852 270,770 10,103 751,359 100.0
Percentage of Group loans and
advances by geographical
region ...................................... 42.2% 11.1% 9.4% 36.0% 1.3% 100.0%
Impaired loans ............................. 5,068 506 936 4,045 891 11,446
Impaired loans as a percentage of
gross loans and advances to
customers ................................. 1.6% 0.6% 1.3% 1.5% 8.8% 1.5%
Impairment allowances
outstanding against loans
and advances ........................... 3,491 398 836 5,836 796 11,357
Impairment allowances
outstanding as a percentage
of impaired loans...................... 68.9% 78.9% 89.3% 144.3% 89.2% 99.2%
1Other commercial loans and advances include advances in respect of agriculture, transport, energy and utilities.
2Included within this total is credit card lending of US$66,020 million.
Included in personal lending in North America are the following balances relating to the US:
2005
US$m
2004
US$m
Residential mortgages – HSBC Bank USA ..................................................................................... 36,170 43,683
Residential mortgages – HSBC Finance .......................................................................................... 67,359 55,612
Motor vehicle finance ...................................................................................................................... 12,792 11,284
MasterCard/Visa credit cards .......................................................................................................... 26,795 20,300
Private label cards ........................................................................................................................... 15,488 13,684
Other unsecured personal lending .................................................................................................... 35,545 28,448
194,149 173,011