HSBC 2015 Annual Report Download - page 145

HSBC HOLDINGS PLC
143
Strategic Report Financial Review Corporate Governance Financial Statements Shareholder Information
See page 122 and Note 32 on the Financial Statements for details
regarding legally enforceable right of offset in the event of
counterparty default and collateral received in respect of
derivatives.
Reverse repos – non-trading by geographical region
The amount of non-trading reverse repos include
transactions with customers and banks and is set out
below.
Reverse repos – non-trading by geographical region
(Audited)
Europe Asia MENA
North
America
Latin
America Total
$m $m $m $m $m $m
With customers 28,366 5,650
–
40,316
–
74,332
With banks 15,824 21,804 779 32,034 1,482 71,923
At 31 December 2015 44,190 27,454 779 72,350 1,482 146,255
With customers 25,841 5,409
–
35,060
–
66,310
With banks 34,748 22,813 19 29,008 8,815 95,403
At 31 December 2014 60,589 28,222 19 64,068 8,815 161,713
Personal lending
We provide a broad range of secured and unsecured
personal lending products to meet customer needs.
Personal lending includes advances to customers for
asset purchases such as residential property where the
loans are secured by the assets being acquired. We also
offer loans secured on existing assets, such as first liens on
residential property, and unsecured lending products such
as overdrafts, credit cards and payroll loans.
Total personal lending
Europe Asia MENA
North
America
Latin
America Total
$m $m $m $m $m $m
First lien residential mortgages (A) 125,544 94,606 2,258 50,117 1,986 274,511
Of which:
–
interest only (including offset) 40,906 936
–
180
–
42,022
–
affordability including ARMs 356 3,966
–
17,041
–
21,363
Other personal lending (B) 44,982 38,101 4,447 8,069 3,972 99,571
–
other 32,862 27,682 3,147 3,284 1,816 68,791
–
credit cards 12,115 10,189 929 996 1,780 26,009
–
second lien residential mortgages
–
33 23,762
–
3,797
–
motor vehicle finance 5 197 369 27 376 974
Total gross loans at 31 December 2015 (C) 170,526 132,707 6,705 58,186 5,958 374,082
Impairment allowances on personal lending
First lien residential mortgages (a) 278 29 24 991 22 1,344
Other personal lending (b) 667 227 214 241 186 1,535
–
other 401 104 180 31 80 796
–
credit cards 265 122 29 30 102 548
–
second lien residential mortgages
–
–
–
180
–
180
–
motor vehicle finance 1 1 5
–
4 11
Total impairment allowances at 31 December 2015 (c) 945 256 238 1,232 208 2,879
%%%% % %
(a) as a percentage of A 0.2 0.0 1.1 2.0 1.1 0.5
(b) as a percentage of B 1.5 0.6 4.8 3.0 4.7 1.5
(c) as a percentage of C 0.6 0.2 3.5 2.1 3.5 0.8