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HSBC BANK PLC
Report of the Directors: Risk (continued)
42
Gross loans and advances to customers by industry sector
(Audited)
The group
2014
2013
Gross loans and
advances to
customers
Gross loans by
industry sector as
a % of total
gross loans
Gross loans and
advances to
customers
Gross loans by
industry sector as
a % of total
gross loans
£m
%
£m
%
Personal
Residential mortgages
83,009
31.92%
83,882
30.28%
Other personal
24,381
9.38%
25,257
9.11%
107,390
41.30%
109,139
39.39%
Corporate and commercial
Commercial, industrial and international trade
74,003
28.46%
79,576
28.72%
Commercial real estate
17,899
6.88%
18,755
6.77%
Other property-related
4,572
1.75%
4,421
1.60%
Government
1,452
0.56%
2,020
0.73%
Other commercial
38,006
14.62%
40,610
14.66%
135,932
52.27%
145,382
52.48%
Financial
Non-bank financial institutions
16,085
6.19%
21,602
7.80%
Settlement accounts
645
0.24%
935
0.33%
16,730
6.43%
22,537
8.13%
Total gross loans and advances to customers
at
31 December
260,052
100.00%
277,058
100.00%
Impaired loans as a percentage of total
2.46%
2.84%
The bank
2014
2013
Gross loans and
advances to
customers
Gross loans by
industry sector as
a % of total
gross loans
Gross loans and
advances to
customers
Gross loans by
industry sector as
a % of total
gross loans
£m
%
£m
%
Personal
Residential mortgages
76,847
37.77%
77,747
35.38%
Other personal
8,936
4.39%
8,963
4.08%
85,783
42.16%
86,710
39.46%
Corporate and commercial
Commercial, industrial and international trade
54,512
26.79%
59,375
27.02%
Commercial real estate
11,273
5.54%
11,210
5.10%
Other property-related
3,128
1.54%
3,048
1.39%
Government
964
0.47%
1,448
0.66%
Other commercial
26,849
13.21%
32,317
14.70%
96,726
47.55%
107,398
48.87%
Financial
Non-bank financial institutions
20,853
10.25%
25,365
11.54%
Settlement accounts
87
0.04%
281
0.13%
20,940
10.29%
25,646
11.67%
Total gross loans and advances to customers
at
31 December
203,449
100.00%
219,754
100.00%
Impaired loans as a percentage of total
2.09%
2.40%