HSBC 2006 Annual Report Download - page 161

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Loan maturity and interest sensitivity analysis
At 31 December 2006, the geographical analysis of loan maturity and interest sensitivity by loan type on a
contractual repayment basis was as follows:
Europe
Hong
Kong
Rest
of Asia-
Pacific
North
America
Latin
America Total
US$m US$m US$m US$m US$m US$m
Maturity of 1 year or less
Loans and advances to banks ............................. 74,381 50,306 26,913 17,673 9,974 179,247
Commercial loans to customers
Commercial, industrial and international trade 67,619 12,560 20,839 4,098 6,378 111,494
Real estate and other property related ............ 17,021 6,442 4,210 7,309 1,128 36,110
Non-bank financial institutions ...................... 35,616 1,221 2,071 11,105 1,095 51,108
Governments .................................................. 1,256 265 1,114 115 486 3,236
Other commercial ........................................... 37,976 2,059 5,220 8,025 2,371 55,651
159,488 22,547 33,454 30,652 11,458 257,599
Hong Kong Government Home Ownership
Scheme ........................................................... – 451 – – – 451
Residential mortgages and other personal loans 37,027 10,791 11,107 49,495 7,298 115,718
Loans and advances to customers ...................... 196,515 33,789 44,561 80,147 18,756 373,768
270,896 84,095 71,474 97,820 28,730 553,015
Maturity after 1 year but within 5 years
Loans and advances to banks ............................. 2,066 53 250 166 135 2,670
Commercial loans to customers
Commercial, industrial and international trade 19,472 3,992 3,867 5,662 2,916 35,909
Real estate and other property related ............ 11,402 9,034 3,875 7,867 798 32,976
Non-bank financial institutions ...................... 3,384 348 797 932 486 5,947
Governments .................................................. 408 286 491 81 2,548 3,814
Other commercial ........................................... 9,609 2,629 2,542 2,070 1,238 18,088
44,275 16,289 11,572 16,612 7,986 96,734
Hong Kong Government Home Ownership
Scheme ........................................................... – 1,410 – – – 1,410
Residential mortgages and other personal loans 42,271 7,088 8,255 54,970 4,088 116,672
Loans and advances to customers ...................... 86,546 24,787 19,827 71,582 12,074 214,816
88,612 24,840 20,077 71,748 12,209 217,486
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers:
Fixed interest rate ........................................... 10,142 79 2,195 3,299 4,036 19,751
Variable interest rate ...................................... 36,199 16,263 9,627 13,479 4,085 79,653
46,341 16,342 11,822 16,778 8,121 99,404
Maturity after 5 years
Loans and advances to banks .............................. 390 – 354 26 2,525 3,295
Commercial loans to customers
Commercial, industrial and international trade 11,936 293 490 1,244 743 14,706
Real estate and other property related ............ 9,848 3,928 908 3,537 224 18,445
Non-bank financial institutions ...................... 1,055 763 58 221 52 2,149
Governments .................................................. 696 – 311 24 909 1,940
Other commercial ........................................... 10,129 1,688 929 733 513 13,992
33,664 6,672 2,696 5,759 2,441 51,232
Hong Kong Government Home Ownership
Scheme ........................................................... – 2,217 – – – 2,217
Residential mortgages and other personal loans. 79,450 17,182 11,391 127,746 3,909 239,678
Loans and advances to customers ...................... 113,114 26,071 14,087 133,505 6,350 293,127
113,504 26,071 14,441 133,531 8,875 296,422
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers
Fixed interest rate ........................................... 8,925 30 1,078 1,301 857 12,191
Variable interest rate ...................................... 25,129 6,641 1,972 4,484 4,109 42,335
34,054 6,671 3,050 5,785 4,966 54,526