HSBC 2004 Annual Report Download - page 181

HSBC HOLDINGS PLC
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179
Loan maturity and interest sensitivity analysis
At 31 December 2004, the geographical analysis of loan maturity and interest sensitivity by loan type on a
contractual repayment basis was as follows. All amounts are net of suspended interest.
Europe
Hong
Kong
Rest
of Asia-
Pacific
North
America
South
America Total
US$m US$m US$m US$m US$m US$m
Maturity of 1 year or less
Loans and advances to banks .............................. 54,303 45,261 14,074 22,077 2,572 138,287
Commercial loans to customers
Commercial, industrial and international trade 29,028 10,600 15,421 6,568 1,610 63,227
Real estate and other property related ............. 9,675 4,766 3,381 5,002 170 22,994
Non-bank financial institutions ....................... 26,615 1,328 1,930 15,993 98 45,964
Governments .................................................. 986 83 789 1,638 98 3,594
Other commercial ........................................... 22,699 2,431 4,518 13,205 747 43,600
89,003 19,208 26,039 42,406 2,723 179,379
Hong Kong Government Home Ownership
Scheme ........................................................... – 652 – – – 652
Residential mortgages and other personal loans .. 27,587 10,332 7,684 43,006 2,778 91,387
Loans and advances to customers ....................... 116,590 30,192 33,723 85,412 5,501 271,418
Total loans maturing in one year or less .............. 170,893 75,453 47,797 107,489 8,073 409,705
Maturity after 1 year but within 5 years
Loans and advances to banks .............................. 1,087 39 380 83 25 1,614
Commercial loans to customers
Commercial, industrial and international trade 16,123 3,146 3,249 3,927 358 26,803
Real estate and other property related ............. 9,686 8,907 3,324 6,002 34 27,953
Non-bank financial institutions ....................... 2,064 544 352 841 12 3,813
Governments .................................................. 629 531 510 2,065 508 4,243
Other commercial ........................................... 6,344 3,537 1,922 1,168 173 13,144
34,846 16,665 9,357 14,003 1,085 75,956
Hong Kong Government Home Ownership
Scheme ........................................................... – 1,869 – – – 1,869
Residential mortgages and other personal loans .. 35,874 7,629 6,554 44,221 797 95,075
Loans and advances to customers ....................... 70,720 26,163 15,911 58,224 1,882 172,900
Total loans maturing after 1 year but within
5 years ............................................................ 71,807 26,202 16,291 58,307 1,907 174,514
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers:
Fixed interest rate ........................................... 7,783 148 2,875 3,802 627 15,235
Variable interest rate ....................................... 28,150 16,556 6,862 10,284 483 62,335
Total .................................................................... 35,933 16,704 9,737 14,086 1,110 77,570
Maturity after 5 years
Loans and advances to banks ............................... 483 – 329 2,016 – 2,828
Commercial loans to customers
Commercial, industrial and international trade 9,242 366 421 1,098 14 11,141
Real estate and other property related ............. 6,200 2,674 856 3,310 2 13,042
Non-bank financial institutions ....................... 2,127 58 15 255 1 2,456
Governments .................................................. 2,048 1 132 165 29 2,375
Other commercial ........................................... 7,057 1,911 874 501 4 10,347
26,674 5,010 2,298 5,329 50 39,361
Hong Kong Government Home Ownership
Scheme ............................................................ – 2,882 – – – 2,882
Residential mortgages and other personal loans... 64,975 15,174 9,613 106,099 78 195,939
Loans and advances to customers ........................ 91,649 23,066 11,911 111,428 128 238,182
Total loans maturing after 5 years........................ 92,132 23,066 12,240 113,444 128 241,010
Interest rate sensitivity of loans and advances to
banks and commercial loans to customers
Fixed interest rate ............................................ 7,517 175 988 1,869 20 10,569
Variable interest rate........................................ 19,640 4,835 1,639 5,476 30 31,620
Total..................................................................... 27,157 5,010 2,627 7,345 50 42,189