HSBC 2007 Annual Report Download - page 213

211
(Audited)
At 31 December 2005
Europe
Hong
Kong
Rest of
Asia-
Pacific
North
America
Latin
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 mortgages1 ............ 73,923 28,492 17,641 116,448 2,042 238,546 31.7
Other personal ......................... 55,672 9,978 11,178 97,663 7,439 181,930 24.2
129,595 38,470 28,819 214,111 9,481 420,476 55.9
Corporate and commercial
Commercial, industrial and
international trade ............... 76,687 16,736 21,286 10,375 5,718 130,802 17.4
Commercial real estate ............ 22,071 12,557 5,081 11,714 392 51,815 6.9
Other property-related ............. 7,603 6,147 3,426 4,447 573 22,196 3.0
Government ............................. 1,821 303 2,147 192 3,755 8,218 1.1
Other commercial2 ................... 41,944 6,922 7,716 7,189 1,907 65,678 8.7
150,126 42,665 39,656 33,917 12,345 278,709 37.1
Financial
Non-bank financial
institutions ........................... 35,305 1,966 2,202 9,464 1,095 50,032 6.7
Settlement accounts ................. 1,002 505 175 416 44 2,142 0.3
36,307 2,471 2,377 9,880 1,139 52,174 7.0
Total gross loans and advances
to customers3............................ 316,028 83,606 70,852 257,908 22,965 751,359 100.0
Percentage of Group loans and
advances by geographical
region ....................................... 42.1% 11.1% 9.4% 34.3% 3.1% 100.0%
Impaired loans .............................. 5,068 506 936 3,710 1,226 11,446
Impaired loans as a percentage of
gross loans and advances to
customers ................................. 1.6% 0.6% 1.3% 1.4% 5.3% 1.5%
Impairment allowances on
impaired loans and advances4 . 2,515 185 566 3,073 872 7,211
Impairment allowances on
impaired loans as a percentage
of impaired loans4 .................... 49.6% 36.6% 60.5% 82.8% 71.1% 63.0%
1 Includes Hong Kong Government Home Ownership Scheme loans of US$4,680 million.
2 Other commercial loans and advances include advances in respect of agriculture, transport, energy and utilities.
3 Includes credit card lending of US$66,020 million.
4 Disclosures previously made in respect of 2005 have been amended to comply with 2007’s presentation by excluding collective
impairment allowances on loans and advances not classified as impaired.