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59
Customer accounts
2009 2008 2007
Average
balance
Average
rate
Average
balance
Average
rate
Average
balance
Average
rate
US$m % US$m % US$m %
Europe ................................................................................ 440,450 447,982 391,496
Demand and other – non-interest bearing ..................... 55,751 – 39,610 – 34,585 –
Demand – interest bearing ............................................ 212,178 0.4 225,034 2.9 210,692 3.5
Savings .......................................................................... 57,344 2.2 73,479 4.3 62,002 4.6
Time ............................................................................... 67,045 1.4 83,208 3.8 69,476 4.9
Other .............................................................................. 48,132 0.8 26,651 3.9 14,741 4.5
Hong Kong ........................................................................ 261,703 236,109 212,792
Demand and other – non-interest bearing ..................... 22,056 – 15,620 – 14,214 –
Demand – interest bearing ............................................ 171,846 0.1 126,199 0.4 107,053 2.2
Savings .......................................................................... 45,537 0.6 65,068 2.4 63,649 3.9
Time ............................................................................... 20,901 0.6 27,659 2.3 26,712 3.9
Other .............................................................................. 1,363 0.1 1,563 1.2 1,164 4.3
Rest of Asia-Pacific27 ......................................................... 126,144 128,381 103,235
Demand and other – non-interest bearing ..................... 13,425 – 11,872 – 10,225 –
Demand – interest bearing ............................................ 53,108 0.8 49,329 2.0 37,340 2.5
Savings .......................................................................... 46,137 2.5 52,849 3.8 44,004 4.1
Time ............................................................................... 12,542 1.2 13,342 3.3 10,114 4.7
Other .............................................................................. 932 1.8 989 3.6 1,552 5.2
Middle East27 ...................................................................... 33,211 35,546 25,615
Demand and other – non-interest bearing ..................... 9,865 – 10,849 – 6,213 –
Demand – interest bearing ............................................ 6,364 1.4 6,324 1.6 3,749 2.0
Savings .......................................................................... 15,005 3.4 16,119 3.1 13,946 4.6
Time ............................................................................... 1,424 2.7 1,884 2.9 1,424 4.1
Other .............................................................................. 553 0.2 370 0.5 283 1.1
North America ................................................................... 145,820 144,982 130,982
Demand and other – non-interest bearing ..................... 18,350 – 16,759 – 15,175 –
Demand – interest bearing ............................................ 25,870 0.2 18,261 1.6 15,389 3.3
Savings .......................................................................... 69,296 1.4 87,001 2.5 79,529 3.3
Time ............................................................................... 25,164 1.3 17,838 3.2 17,655 5.9
Other .............................................................................. 7,140 0.8 5,123 2.4 3,234 3.7
Latin America .................................................................... 63,635 65,071 54,708
Demand and other – non-interest bearing ..................... 10,598 – 12,507 – 10,530 –
Demand – interest bearing ............................................ 4,734 1.1 4,994 1.9 5,662 2.1
Savings .......................................................................... 33,091 8.5 31,442 10.3 24,861 8.8
Time ............................................................................... 14,244 4.8 15,179 5.2 12,443 5.9
Other .............................................................................. 968 6.4 949 8.2 1,212 9.5
Total ................................................................................... 1,070,963 1,058,071 918,828
Demand and other – non-interest bearing ..................... 130,045 – 107,217 –
90,942 –
Demand – interest bearing ............................................ 474,100 0.3 430,141 1.9 379,885 3.0
Savings .......................................................................... 266,410 2.6 325,958 3.9 287,991 4.4
Time ............................................................................... 141,320 1.6 159,110 3.6 137,824 4.9
Other .............................................................................. 59,088 0.9 35,645 3.6 22,186 4.7
For footnote, see page 149.