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HSBC BANK CANADA
98
13 Interest rate sensitivity (continued)
2012
Floating
rate
$m
Within
3 months
$m
3–12
months
$m
Average
interest rate
%1–5 years
$m
Average
interest rate
%
Greater
than 5 years
$m
Average
interest rate
%
Non-interest
sensitive
$m Total
$m
Cash and balances at central
bank ................................. – – – – – 56 56
Items in the course of
collection from other
banks ............................... – – – – – 90 90
Trading assets ........................ 2,682 2,541 49 1.2 – – – 5,272
Derivatives ............................ – – – – – 1,810 1,810
Loans and advances to banks – 1,282 – 1.3 – – 198 1,480
Loans and advances
to customers .................... 27,183 8,885 2,505 3.4 6,625 4.0 79 4.9 295 45,572
Financial investments ............ – 743 4,017 1.5 14,388 1.6 1,263 2.3 – 20,411
Acceptances .......................... – – – – – 4,737 4,737
Other assets ........................... – – – – – 1,286 1,286
Total assets ............................ 29,865 13,451 6,571 21,013 1,342 8,472 80,714
Deposits by banks ................. – 1,556 1 0.9 – – 616 2,173
Customer accounts ................ 23,501 5,982 6,541 1.0 4,045 2.7 – 2.1 8,235 48,304
Items in the course of
transmission to other
banks ............................... – – – – – 71 71
Trading liabilities .................. 2,546 – – 1.0 – – 126 2,672
Financial liabilities
designated at fair value ... – – – 436 4.8 – – 436
Derivatives ............................ – – – – – 1,415 1,415
Debt securities in issue .......... – 2,931 2,836 2.3 6,120 3.0 93 4.1 – 11,980
Acceptances .......................... – – – – – 4,737 4,737
Subordinated liabilities ......... – 40 – 1.6 284 3.9 – – 324
Other liabilities ...................... – – – – – 3,226 3,226
Shareholders’ equity .............. – 22 65 600 5.6 – 4,459 5,146
Non controlling interest ........ – – – 200 5.2 – 30 230
Total liabilities and
shareholders’ equity ........ 26,047 10,531 9,443 11,685 93 22,915 80,714
On-balance sheet gap ............ 3,818 2,920 (2,872) 9,328 1,249 (14,443) –
Off-balance sheet positions ... – (2,907) 944 3,160 (1,197) – –
Total interest rate gap ............ 3,818 13 (1,928) 12,488 52 (14,443) –
Notes on the Consolidated Financial Statements (continued)
HSBC BANK CANADA