HSBC 2012 Annual Report Download - page 171

169
Overview Operating & Financial Review Corporate Governance Financial Statements Shareholder Information
Impairment allowances on loans and advances to customers by geographical region
(Audited)
Europe
Hong
Kong
Rest of
Asia-
Pacific MENA
North
America
Latin
America Total
US$m US$m US$m US$m US$m US$m US$m
At 31 December 2012
Gross loans and advances to customers
Individually assessed impaired loans14 (A) .............. 9,959 398 1,019 2,251 1,849 1,295 16,771
Collectively assessed15 (B) ....................................... 458,802 173,688 137,846 27,629 144,523 54,476 996,964
Impaired loans14 ................................................... 1,121 79 128 197 18,482 1,893 21,900
Non-impaired loans16 ........................................... 457,681 173,609 137,718 27,432 126,041 52,583 975,064
Total (C) .................................................................... 468,761 174,086 138,865 29,880 146,372 55,771 1,013,735
Impairment allowances (C) ...................................... 5,321 473 746 1,794 5,616 2,162 16,112
Individually assessed (A) ..................................... 3,781 192 442 1,323 428 406 6,572
Collectively assessed (B) ..................................... 1,540 281 304 471 5,188 1,756 9,540
Net loans and advances ............................................ 463,440 173,613 138,119 28,086 140,756 53,609 997,623
% % % % % % %
Allowances as a percentage of loans and advances:
– individually assessed (A) .................................. 38.0 48.2 43.4 58.8 23.1 31.4 39.2
– collectively assessed (B) ................................... 0.3 0.2 0.2 1.7 3.6 3.2 1.0
– total (C) .............................................................. 1.1 0.3 0.5 6.0 3.8 3.9 1.6
US$m US$m US$m US$m US$m US$m US$m
At 31 December 2011
Gross loans and advances to customers
Individually assessed impaired loans14 (E) .............. 10,490 519 963 2,187 1,832 563 16,554
Collectively assessed15 (F) ........................................ 429,088 157,727 123,687 25,402 148,096 57,386 941,386
Impaired loans14 ................................................... 1,261 85 106 238 20,864 2,476 25,030
Non-impaired loans16 ........................................... 427,827 157,642 123,581 25,164 127,232 54,910 916,356
Total (G) ................................................................... 439,578 158,246 124,650 27,589 149,928 57,949 957,940
Impairment allowances (G) ...................................... 5,242 581 782 1,714 7,181 2,011 17,511
Individually assessed (E) ...................................... 3,754 288 505 1,250 416 324 6,537
Collectively assessed (F) ...................................... 1,488 293 277 464 6,765 1,687 10,974
Net loans and advances ............................................ 434,336 157,665 123,868 25,875 142,747 55,938 940,429
% % % % % % %
Allowances as a percentage of loans and advances:
– individually assessed (E) ................................... 35.8 55.5 52.4 57.2 22.7 57.4 39.5
– collectively assessed (F) .................................... 0.3 0.2 0.2 1.8 4.6 2.9 1.2
– total (G) ............................................................. 1.2 0.4 0.6 6.2 4.8 3.5 1.8
For footnotes, see page 249.