HSBC 2011 Annual Report Download - page 112

HSBC HOLDINGS PLC
Report of the Directors: Operating and Financial Review (continued)
Risk > Credit risk > Credit exposure
110
Gross loans and advances to customers by industry sector and by geographical region
(Audited)
Europe
Hong
Kong
Rest of
Asia-
Pacific MENA
North
America
Latin
America Total
As a %
of total
gross
US$m US$m US$m US$m US$m US$m US$m loans
At 31 December 2011
Personal .............................................. 166,147 63,181 43,580 5,269 95,336 20,112 393,625 41.1
Residential mortgages4................... 119,902 46,817 32,136 1,837 73,278 4,993 278,963 29.1
Other personal5 .............................. 46,245 16,364 11,444 3,432 22,058 15,119 114,662 12.0
Corporate and commercial ................ 204,984 91,592 77,887 21,152 41,271 35,930 472,816 49.3
Manufacturing6 .............................. 45,632 9,004 16,909 3,517 7,888 13,104 96,054 10.0
International trade and services6 ... 64,604 29,066 29,605 8,664 10,710 10,060 152,709 15.9
Commercial real estate .................. 32,099 20,828 9,537 1,002 7,069 3,406 73,941 7.7
Other property-related ................... 7,595 17,367 6,396 1,770 5,729 682 39,539 4.1
Government ................................... 3,143 2,918 962 1,563 656 1,837 11,079 1.2
Other commercial7 ......................... 51,911 12,409 14,478 4,636 9,219 6,841 99,494 10.4
Financial ............................................ 63,671 3,473 3,183 1,168 12,817 1,907 86,219 9.0
Non-bank financial institutions ..... 63,313 3,192 2,937 1,162 12,817 1,854 85,275 8.9
Settlement accounts ....................... 358 281 246 6 – 53 944 0.1
Asset-backed securities reclassified .. 4,776 – – – 504 – 5,280 0.6
TGLAC .............................................. 439,578 158,246 124,650 27,589 149,928 57,949 957,940 100.0
Percentage of TGLAC by
geographical region ....................... 45.9% 16.5% 13.0% 2.9% 15.7% 6.0% 100.0%
Impaired loans8 .................................. 11,751 604 1,069 2,425 22,696 3,039 41,584
– as a percentage of TGLAC ......... 2.7% 0.4% 0.9% 8.8% 15.1% 5.2% 4.3%
Total impairment allowances ............ 5,242 581 782 1,714 7,181 2,011 17,511
– as a percentage of TGLAC ......... 1.2% 0.4% 0.6% 6.2% 4.8% 3.5% 1.8%
At 31 December 2010
Personal .............................................. 161,717 57,308 40,184 5,371 139,117 21,623 425,320 43.4
Residential mortgages4 .................. 111,618 42,488 28,724 1,751 78,842 5,258 268,681 27.4
Other personal5 .............................. 50,099 14,820 11,460 3,620 60,275 16,365 156,639 16.0
Corporate and commercial ................ 203,804 80,823 67,247 19,560 38,707 35,371 445,512 45.6
Manufacturing6 .............................. 46,890 8,171 15,050 3,074 5,748 12,188 91,121 9.3
International trade and services6 ... 65,090 25,280 26,224 8,099 10,989 10,891 146,573 15.0
Commercial real estate .................. 30,629 19,678 8,732 1,085 8,768 2,988 71,880 7.3
Other property-related ................... 6,401 15,232 5,426 1,785 5,109 885 34,838 3.6
Government ................................... 2,289 2,339 415 1,345 89 2,117 8,594 0.9
Other commercial7 ......................... 52,505 10,123 11,400 4,172 8,004 6,302 92,506 9.5
Financial ............................................ 70,725 3,189 2,259 1,347 21,202 3,003 101,725 10.4
Non-bank financial institutions ..... 70,019 2,824 2,058 1,335 21,109 2,818 100,163 10.2
Settlement accounts ....................... 706 365 201 12 93 185 1,562 0.2
Asset-backed securities reclassified .. 5,216 – – – 676 – 5,892 0.6
TGLAC .............................................. 441,462 141,320 109,690 26,278 199,702 59,997 978,449 100.0
Percentage of TGLAC by
geographical region ....................... 45.2% 14.4% 11.2% 2.7% 20.4% 6.1% 100.0%
Impaired loans8 .................................. 11,394 660 1,324 2,529 27,840 3,124 46,871
– as a percentage of TGLAC ......... 2.6% 0.5% 1.2% 9.6% 13.9% 5.2% 4.8%
Total impairment allowances ............ 5,663 629 959 1,652 9,170 2,010 20,083
– as a percentage of TGLAC ......... 1.3% 0.4% 0.9% 6.3% 4.6% 3.4% 2.1%
For footnotes, see page 185.