HSBC 2009 Annual Report Download - page 233

231
Impairment allowances on loans and advances to customers by geographical region
(Audited)
Europe
Hong
Kong
Rest of
Asia-
Pacific7
Middle
East7
North
America
Latin
America Total
US$m US$m US$m US$m US$m US$m US$m
At 31 December 2009
Gross loans and advances
Individually assessed impaired loans27 ..................... 8,800 823 1,006 1,310 1,990 838 14,767
Collectively assessed28 .............................................. 436,816 99,362 80,033 22,912 218,539 49,344 907,006
Impaired loans8,27 .................................................. 1,922 18 194 336 11,256 2,113 15,839
Non-impaired loans29 ........................................... 434,894 99,344 79,839 22,576 207,283 47,231 891,167
Total gross loans and advances8 ............................... 445,616 100,185 81,039 24,222 220,529 50,182 921,773
Impairment allowances
Individually assessed ............................................ 3,742 490 508 688 650 416 6,494
Collectively assessed8 .......................................... 2,393 314 488 690 13,026 2,137 19,048
Total impairment allowances8 .................................. 6,135 804 996 1,378 13,676 2,553 25,542
Net loans and advances ............................................ 439,481 99,381 80,043 22,844 206,853 47,629 896,231
% % % % % % %
Individually assessed allowances as a
percentage of individually assessed loans
and advances ........................................................ 42.5 59.5 50.5 52.5 32.7 49.7 44.0
Collectively assessed allowances as a
percentage of collectively assessed loans
and advances ........................................................ 0.5 0.3 0.6 3.0 6.0 4.3 2.1
Total allowances as a percentage of total
gross loans and advances ..................................... 1.4 0.8 1.2 5.7 6.2 5.1 2.8
US$m US$m US$m US$m US$m US$m US$m
At 31 December 2008
Gross loans and advances
Individually assessed impaired loans26,27 .................. 4,817 813 705 160 832 595 7,922
Collectively assessed28 .............................................. 425,233 100,140 80,769 27,549 271,472 43,692 948,855
Impaired loans26,27 ................................................ 1,957 39 130 119 13,453 1,732 17,430
Non-impaired loans29 ........................................... 423,276 100,101 80,639 27,430 258,019 41,960 931,425
Total gross loans and advances ................................ 430,050 100,953 81,474 27,709 272,304 44,287 956,777
Impairment allowances
Individually assessed ............................................ 2,005 411 316 132 192 228 3,284
Collectively assessed ............................................ 1,854 322 497 282 15,898 1,772 20,625
Total impairment allowances ................................... 3,859 733 813 414 16,090 2,000 23,909
Net loans and advances ............................................ 426,191 100,220 80,661 27,295 256,214 42,287 932,868
% % % % % % %
Individually assessed allowances as a
percentage of individually assessed loans
and advances ........................................................ 41.6 50.6 44.8 82.5 23.1 38.3 41.5
Collectively assessed allowances as a
percentage of collectively assessed loans
and advances ........................................................ 0.4 0.3 0.6 1.0 5.9 4.1 2.2
Total allowances as a percentage of total
gross loans and advances ..................................... 0.9 0.7 1.0 1.5 5.9 4.5 2.5
For footnotes, see page 291.