HSBC 2007 Annual Report Download - page 182

HSBC HOLDINGS PLC
Report of the Directors: Financial Review (continued)
Other financial information > Deposits
180
Deposits
The following tables analyse the average amount of
bank deposits, customer deposits and certificates of
deposit (‘CDs’) and other money market instruments
(which are included within ‘Debt securities in issue’
in the balance sheet), together with the average
interest rates paid thereon for each of the past three
years. The geographical analysis of average deposits
is based on the location of the office in which the
deposits are recorded and excludes balances with
HSBC companies. The ‘Other’ category includes
securities sold under agreements to repurchase.
Year ended 31 December
2007 2006 2005
Average
balance
Average
rate
Average
balance
Average
rate
Average
balance
Average
rate
US$m % US$m % US$m %
Deposits by banks
Europe
Demand and other – non-interest
bearing ................................................ 6,359 – 9,814 – 14,252 –
Demand – interest bearing ..................... 11,036 3.8 8,368 3.7 9,418 2.9
Time ........................................................ 38,470 4.7 27,447 4.0 28,021 3.0
Other ....................................................... 28,770 4.8 23,396 3.5 16,111 3.6
84,635 69,025 67,802
Hong Kong
Demand and other – non-interest
bearing ................................................ 1,331 – 1,031 –
2,054 –
Demand – interest bearing ..................... 2,420 4.3 2,428 4.6 3,104 3.5
Time ........................................................ 3,267 4.5 2,016 4.3 2,012 3.2
Other ....................................................... 251 0.4 362 3.3 218 2.3
7,269 5,837 7,388
Rest of Asia-Pacific
Demand and other – non-interest
bearing ................................................ 1,897 – 1,618 –
2,164 –
Demand – interest bearing ..................... 3,167 2.4 1,960 2.4 1,442 1.9
Time ........................................................ 6,433 5.1 3,645 4.8 4,375 4.3
Other ....................................................... 2,768 4.8 2,157 4.5 761 5.4
14,265 9,380 8,742
North America
Demand and other – non-interest
bearing ................................................ 827 – 767 – 1,334 –
Demand – interest bearing ..................... 3,759 4.8 3,033 5.3 3,647 3.6
Time ........................................................ 6,746 6.0 3,543 5.4 2,406 6.0
Other ....................................................... 169 7.1 699 5.6 38 5.3
11,501 8,042 7,425
Latin America
Demand and other – non-interest
bearing ................................................ 808 – 702 –
49 –
Demand – interest bearing ..................... 153 5.9 96 6.3 117 7.7
Time ........................................................ 2,690 6.5 1,732 5.5 1,810 6.4
Other ....................................................... 1,010 8.0 683 9.4 1,075 8.9
4,661 3,213 3,051
Total
Demand and other – non-interest
bearing ................................................ 11,222 – 13,932 –
19,853 –
Demand – interest bearing ..................... 20,535 3.8 15,885 4.5 17,728 3.1
Time ........................................................ 57,606 4.9 38,383 4.5 38,624 3.5
Other ....................................................... 32,968 5.0 27,297 3.9 18,203 4.1
122,331 95,497 94,408