HSBC 2011 Annual Report Download - page 137

135
Overview Operating & Financial Review Corporate Governance Financial Statements Shareholder Information
Impairment allowances
(Audited)
The tables below analyse by geographical region the
impairment allowances recognised for impaired
loans and advances that are either individually
assessed or collectively assessed, and collective
impairment allowances on loans and advances
classified as not impaired.
Impairment allowances on loans and advances to customers by geographical region
(Audited)
Europe
Hong
Kong
Rest of
Asia-
Pacific
MENA
North
America
Latin
America Total
US$m US$m US$m US$m US$m US$m US$m
At 31 December 2011
Gross loans and advances to customers8
Individually assessed impaired loans23 ..................... 10,490 519 963 2,187 1,832 563 16,554
Collectively assessed24 ............................................. 429,088 157,727 123,687 25,402 148,096 57,386 941,386
Impaired loans23 ................................................... 1,261 85 106 238 20,864 2,476 25,030
Non-impaired loans25 ........................................... 427,827 157,642 123,581 25,164 127,232 54,910 916,356
TGLAC ..................................................................... 439,578 158,246 124,650 27,589 149,928 57,949 957,940
Impairment allowances ............................................. 5,242 581 782 1,714 7,181 2,011 17,511
Individually assessed ............................................ 3,754 288 505 1,250 416 324 6,537
Collectively assessed ............................................ 1,488 293 277 464 6,765 1,687 10,974
Net loans and advances ............................................ 434,336 157,665 123,868 25,875 142,747 55,938 940,429
% % % % % % %
Individually assessed allowances as a percentage
of individually assessed loans and advances ....... 35.8 55.5 52.4 57.2 22.7 57.4 39.5
Collectively assessed allowances as a percentage
of collectively assessed loans and advances ........ 0.3 0.2 0.2 1.8 4.6 2.9 1.2
Total allowances as a percentage of TGLAC .......... 1.2 0.4 0.6 6.2 4.8 3.5 1.8
US$m US$m US$m US$m US$m US$m US$m
At 31 December 2010
Gross loans and advances to customers8
Individually assessed impaired loans23 ..................... 9,400 637 1,185 2,167 1,886 783 16,058
Collectively assessed24 ............................................. 432,062 140,683 108,505 24,111 197,816 59,214 962,391
Impaired loans23 ................................................... 1,994 23 139 362 25,954 2,341 30,813
Non-impaired loans25 ........................................... 430,068 140,660 108,366 23,749 171,862 56,873 931,578
TGLAC ..................................................................... 441,462 141,320 109,690 26,278 199,702 59,997 978,449
Impairment allowances ............................................. 5,663 629 959 1,652 9,170 2,010 20,083
Individually assessed ............................................ 3,563 345 629 1,163 390 367 6,457
Collectively assessed ............................................ 2,100 284 330 489 8,780 1,643 13,626
Net loans and advances ............................................ 435,799 140,691 108,731 24,626 190,532 57,987 958,366
% % % % % % %
Individually assessed allowances as a percentage
of individually assessed loans and advances ....... 37.9 54.2 53.1 53.7 20.7 46.9 40.2
Collectively assessed allowances as a percentage
of collectively assessed loans and advances ........ 0.5 0.2 0.3 2.0 4.4 2.8 1.4
Total allowances as a percentage of TGLAC .......... 1.3 0.4 0.9 6.3 4.6 3.4 2.1
For footnotes, see page 185.