HSBC 2015 Annual Report Download - page 138

Report of the Directors: Risk (continued)
Credit risk
HSBC HOLDINGS PLC
136
Total wholesale lending
Europe Asia MENA
North
America
Latin
America Total
$m $m $m $m $m $m
Corporate and commercial (A) 191,765 211,224 22,268 62,882 11,374 499,513
–
manufacturing 39,003 34,272 2,504 17,507 2,572 95,858
–
international trade and services 62,667 72,199 9,552 11,505 3,096 159,019
–
commercial real estate 26,256 32,371 690 7,032 1,577 67,926
–
other property-related 7,323 35,206 1,908 8,982 45 53,464
–
government 3,653 1,132 1,695 203 772 7,455
–
other commercial4 52,863 36,044 5,919 17,653 3,312 115,791
Financial 51,969 68,321 10,239 16,308 3,996 150,833
–
non-bank financial institutions (B) 33,621 13,969 2,321 9,822 681 60,414
–
banks (C) 18,348 54,352 7,918 6,486 3,315 90,419
Gross loans at 31 December 2015 (D) 243,734 279,545 32,507 79,190 15,370 650,346
Impairment allowances on wholesale lending
Corporate and commercial (a) 2,735 1,256 1,157 777 510 6,435
–
manufacturing 528 254 135 140 49 1,106
–
international trade and services 813 599 439 123 48 2,022
–
commercial real estate 613 35 145 76 343 1,212
–
other property-related 237 72 267 55 1 632
–
government 6
–
–
–
2 8
–
other commercial 538 296 171 383 67 1,455
Financial 194 13 22 30
–
259
–
non-bank financial institutions (b) 194 13 430
–
241
–
banks (c)
–
–
18
–
–
18
Impairment allowances at 31 December 2015 (d) 2,929 1,269 1,179 807 510 6,694
%%%% % %
(a) as a percentage of (A) 1.4 0.6 5.2 1.2 4.5 1.3
(b) as a percentage of (B) 0.6 0.1 0.2 0.3
–
0.4
(c) as a percentage of (C)
–
–
0.2
–
–
–
(d) as a percentage of (D) 1.2 0.5 3.6 1.0 3.3 1.0
$m $m $m $m $m $m
Corporate and commercial (E) 212,523 220,799 20,588 57,993 30,722 542,625
–
manufacturing 39,456 37,767 2,413 15,299 12,051 106,986
–
international trade and services 76,629 72,814 9,675 13,484 8,189 180,791
–
commercial real estate 28,187 35,678 579 6,558 2,291 73,293
–
other property-related 7,126 34,379 1,667 8,934 281 52,387
–
government 2,264 1,195 1,552 164 968 6,143
–
other commercial4 58,861 38,966 4,702 13,554 6,942 123,025
Financial 45,081 76,957 13,786 16,439 10,753 163,016
–
non-bank financial institutions (F) 23,103 13,997 3,291 9,034 1,393 50,818
–
banks (G) 21,978 62,960 10,495 7,405 9,360 112,198
Gross loans at 31 December 2014 (H) 257,604 297,756 34,374 74,432 41,475 705,641
Impairment allowances on wholesale lending
Corporate and commercial (e) 3,112 1,089 1,171 608 1,461 7,441
–
manufacturing 529 242 141 152 348 1,412
–
international trade and services 877 533 536 157 237 2,340
–
commercial real estate 909 44 147 101 476 1,677
–
other property-related 203 55 219 57 12 546
–
government 4
–
1
–
–
5
–
other commercial 590 215 127 141 388 1,461
Financial 252 13 39 39 2 345
–
non-bank financial institutions (f) 221 13 21 39 2 296
–
banks (g) 31
–
18
–
–
49
Impairment allowances at 31 December 2014 (h) 3,364 1,102 1,210 647 1,463 7,786
%%%% % %
(e) as a percentage of (E) 1.5 0.5 5.7 1.0 4.8 1.4
(f) as a percentage of (F) 0.9 0.1 0.6 0.4 0.1 0.6
(g) as a percentage of (G) 0.1
–
0.2
–
–
–
(h) as a percentage of (H) 1.3 0.4 3.5 0.9 3.5 1.1
For footnote, see page 191.