HSBC 2012 Annual Report Download - page 183

181
Overview Operating & Financial Review Corporate Governance Financial Statements Shareholder Information
Gross loans and advances to customers by industry sector and by geographical region
(Audited)
Gross loans and advances to customers
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 2012
Personal .............................................. 186,274 70,341 49,305 6,232 84,354 18,587 415,093 41.0
First lien residential mortgages24 .. 135,172 52,296 36,906 2,144 70,133 5,211 301,862 29.8
Other personal1 .............................. 51,102 18,045 12,399 4,088 14,221 13,376 113,231 11.2
Corporate and commercial ................ 223,061 99,199 85,305 22,452 47,886 35,590 513,493 50.6
Manufacturing ............................... 56,690 10,354 19,213 3,373 9,731 12,788 112,149 11.1
International trade and services ..... 70,954 33,832 32,317 9,115 13,419 9,752 169,389 16.6
Commercial real estate .................. 33,279 23,384 9,286 865 6,572 3,374 76,760 7.6
Other property-related ................... 7,402 16,399 6,641 2,103 7,607 380 40,532 4.0
Government ................................... 2,393 2,838 1,136 1,662 774 1,982 10,785 1.1
Other commercial9 ......................... 52,343 12,392 16,712 5,334 9,783 7,314 103,878 10.2
Financial ............................................ 55,732 4,546 4,255 1,196 13,935 1,594 81,258 8.0
Non-bank financial institutions ..... 55,262 4,070 3,843 1,194 13,935 1,513 79,817 7.9
Settlement accounts ....................... 470 476 412 2 – 81 1,441 0.1
Asset-backed securities reclassified .. 3,694 – – – 197 – 3,891 0.4
Total gross loans and advances to
customers (A) ................................ 468,761 174,086 138,865 29,880 146,372 55,771 1,013,735 100.0
Percentage of A by geographical
region ............................................. 46.3% 17.2% 13.7% 2.9% 14.4% 5.5% 100.0%
Impaired loans ................................... 11,080 477 1,147 2,448 20,331 3,188 38,671
– as a percentage of A ................... 2.4% 0.3% 0.8% 8.2% 13.9% 5.7% 3.8%
Total impairment allowances ............ 5,321 473 746 1,794 5,616 2,162 16,112
– as a percentage of A ................... 1.1% 0.3% 0.5% 6.0% 3.8% 3.9% 1.6%
At 31 December 2011
Personal .............................................. 166,147 63,181 43,580 5,269 95,336 20,112 393,625 41.1
First lien residential mortgages24 .. 119,902 46,817 32,136 1,837 73,278 4,993 278,963 29.1
Other personal1 .............................. 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
Manufacturing ............................... 45,632 9,004 16,909 3,517 7,888 13,104 96,054 10.0
International trade and services ..... 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 commercial9 ......................... 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
Total gross loans and advances to
customers (B) ................................ 439,578 158,246 124,650 27,589 149,928 57,949 957,940 100.0
Percentage of B by geographical
region ............................................. 45.9% 16.5% 13.0% 2.9% 15.7% 6.0% 100.0%
Impaired loans ................................... 11,751 604 1,069 2,425 22,696 3,039 41,584
– as a percentage of B ................... 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 B ................... 1.2% 0.4% 0.6% 6.2% 4.8% 3.5% 1.8%
For footnotes, see page 249.