Annual Financial Report - 7 o

RNS Number : 3739J

HSBC Holdings PLC

30 March 2010

 



Loan maturity and interest sensitivity analysis

At 31 December 2009, the geographical analysis of loan maturity and interest sensitivity by loan type on a contractual repayment basis was as follows:

	Europe		Hong      Kong		Rest of Asia- Pacific27		Middle       East27		North America		Latin America		Total
	US$m		US$m		US$m		US$m		US$m		US$m		US$m
Maturity of 1 year or less
Loans and advances to banks ............................	62,840		35,817		35,535		8,212		15,093		15,525		173,022
Commercial loans to customers
Commercial, industrial and international trade ..................................................................	80,451		12,563		22,085		7,248		4,327		9,576		136,250
Real estate and other property related ..........	18,951		5,678		4,221		1,624		8,690		1,545		40,709
Non-bank financial institutions .....................	67,934		1,201		1,751		959		9,680		1,181		82,706
Governments ................................................	1,155		110		172		1,212		161		442		3,252
Other commercial .........................................	26,238		2,026		4,173		1,432		6,944		2,665		43,478
	194,729		21,578		32,402		12,475		29,802		15,409		306,395
Hong Kong Government Home Ownership Scheme .........................................................	-		385		-		-		-		-		385
Residential mortgages and other personal loans.	29,732		13,083		10,811		2,959		35,352		8,793		100,730
Loans and advances to customers .....................	224,461		35,046		43,213		15,434		65,154		24,202		407,510
	287,301		70,863		78,748		23,646		80,247		39,727		580,532
Maturity after 1 year but within 5 years
Loans and advances to banks ............................	2,452		380		105		168		221		374		3,700
Commercial loans to customers
Commercial, industrial and international trade ..................................................................	21,101		4,708		5,427		1,591		6,183		4,591		43,601
Real estate and other property related ..........	13,937		13,125		5,354		957		8,551		988		42,912
Non-bank financial institutions .....................	4,622		535		472		239		1,993		519		8,380
Governments ................................................	461		263		257		125		46		731		1,883
Other commercial .........................................	13,638		4,375		2,536		1,076		3,029		2,508		27,162
	53,759		23,006		14,046		3,988		19,802		9,337		123,938
Hong Kong Government Home Ownership Scheme .........................................................	-		1,276		-		-		-		-		1,276
Residential mortgages and other personal loans	35,063		9,642		6,782		2,635		47,021		6,364		107,507
Loans and advances to customers .....................	88,822		33,924		20,828		6,623		66,823		15,701		232,721
	91,274		34,304		20,933		6,791		67,044		16,075		236,421
Interest rate sensitivity of loans and advances to banks and commercial loans to customers
Fixed interest rate .........................................	12,159		302		789		925		3,831		2,684		20,690
Variable interest rate .....................................	44,052		23,084		13,362		3,231		16,192		7,027		106,948
	56,211		23,386		14,151		4,156		20,023		9,711		127,638
Maturity after 5 years
Loans and advances to banks.............................	322		-		8		55		72		2,709		3,166
Commercial loans to customers
Commercial, industrial and international trade ..................................................................	10,822		457		716		497		1,018		2,767		16,277
Real estate and other property related ..........	7,196		5,041		763		85		2,738		465		16,288
Non-bank financial institutions .....................	669		726		23		8		2,290		435		4,151
Governments ................................................	600		68		166		19		1		700		1,554
Other commercial .........................................	15,279		1,363		409		745		944		224		18,964
	34,566		7,655		2,077		1,354		6,991		4,591		57,234
Hong Kong Government Home Ownership Scheme .........................................................	-		1,795		-		-		-		-		1,795
Residential mortgages and other personal loans.	97,767		21,765		14,921		811		81,561		5,688		222,513
Loans and advances to customers .....................	132,333		31,215		16,998		2,165		88,552		10,279		281,542
	132,655		31,215		17,006		2,220		88,624		12,988		284,708
Interest rate sensitivity of loans and advances to banks and commercial loans to customers
Fixed interest rate .........................................	7,742		-		150		749		1,436		2,337		12,414
Variable interest rate .....................................	27,146		7,655		1,935		660		5,627		4,963		47,986
	34,888		7,655		2,085		1,409		7,063		7,300		60,400

For footnote, see page 149.

Deposits

The following tables summarise the average amount of bank deposits, customer deposits and certificates of deposit ('CD's) and other money market instruments (which are included within 'Debt securities in issue' in the balance sheet), together with the average interest rates paid thereon for each of the past three years. The geographical analysis of average deposits is based on the location of the office in which the deposits are recorded and excludes balances with HSBC companies. The 'Other' category includes securities sold under agreements to repurchase.

Deposits by banks

	2009				2008				2007
	Average     balance	Average        rate			Average       balance		Average       rate		Average       balance		Average       rate
	US$m		%		US$m		%		US$m		%
Europe .....................................................................	87,677				99,228				84,635
Demand and other - non-interest bearing .............	6,415		-		5,231		-		6,359		-
Demand - interest bearing ....................................	14,259		1.0		19,204		3.2		11,036		3.8
Time ....................................................................	30,367		1.6		43,695		3.9		38,470		4.7
Other ...................................................................	36,636		1.3		31,098		4.4		28,770		4.8
Hong Kong ..............................................................	10,725				5,916				7,269
Demand and other - non-interest bearing .............	2,975		-		1,375		-		1,331		-
Demand - interest bearing ....................................	5,526		0.1		2,780		2.0		2,420		4.3
Time ....................................................................	1,637		0.3		1,583		2.7		3,267		4.5
Other ...................................................................	587		0.5		178		3.4		251		0.4
Rest of Asia-Pacific27 ...............................................	12,467				18,203				12,748
Demand and other - non-interest bearing .............	1,605		-		1,546		-		1,356		-
Demand - interest bearing ....................................	4,097		1.2		4,317		2.3		3,164		2.4
Time ....................................................................	4,682		1.9		9,103		3.5		5,464		5.2
Other ...................................................................	2,083		1.4		3,237		3.8		2,764		4.8
Middle East27 ............................................................	1,317				2,151				1,517
Demand and other - non-interest bearing .............	539		-		365		-		541		-
Demand - interest bearing ....................................	18		-		15		-		3		-
Time ....................................................................	691		1.2		1,239		2.7		969		4.5
Other ...................................................................	69		1.4		532		0.2		4		-
North America .........................................................	13,203				14,835				11,501
Demand and other - non-interest bearing .............	1,755		-		761		-		827		-
Demand - interest bearing ....................................	4,770		0.1		5,684		1.7		3,759		4.8
Time ....................................................................	5,422		0.2		7,941		2.3		6,746		6.0
Other ...................................................................	1,256		0.7		449		1.6		169		7.1
Latin America ..........................................................	5,959				5,058				4,661
Demand and other - non-interest bearing .............	212		-		366		-		808		-
Demand - interest bearing ....................................	219		0.9		81		2.5		153		5.9
Time ....................................................................	4,171		5.0		3,357		5.6		2,690		6.5
Other ...................................................................	1,357		8.1		1,254		7.8		1,010		8.0
Total .......................................................................	131,348				145,391				122,331
Demand and other - non-interest bearing .............	13,501		-		9,644		-		11,222		-
Demand - interest bearing ....................................	28,889		0.7		32,081		2.7		20,535		3.8
Time ....................................................................	46,970		1.7		66,918		3.7		57,606		4.9
Other ...................................................................	41,988		1.6		36,748		4.5		32,968		5.0

For footnote, see page 149.

Customer accounts

	2009				2008				2007
	Average     balance	Average        rate			Average       balance		Average       rate		Average       balance		Average       rate
	US$m		%		US$m		%		US$m		%
Europe .....................................................................	440,450				447,982				391,496
Demand and other - non-interest bearing .............	55,751		-		39,610		-		34,585		-
Demand - interest bearing ....................................	212,178		0.4		225,034		2.9		210,692		3.5
Savings .................................................................	57,344		2.2		73,479		4.3		62,002		4.6
Time ....................................................................	67,045		1.4		83,208		3.8		69,476		4.9
Other ...................................................................	48,132		0.8		26,651		3.9		14,741		4.5
Hong Kong ..............................................................	261,703				236,109				212,792
Demand and other - non-interest bearing .............	22,056		-		15,620		-		14,214		-
Demand - interest bearing ....................................	171,846		0.1		126,199		0.4		107,053		2.2
Savings .................................................................	45,537		0.6		65,068		2.4		63,649		3.9
Time ....................................................................	20,901		0.6		27,659		2.3		26,712		3.9
Other ...................................................................	1,363		0.1		1,563		1.2		1,164		4.3
Rest of Asia-Pacific27 ...............................................	126,144				128,381				103,235
Demand and other - non-interest bearing .............	13,425		-		11,872		-		10,225		-
Demand - interest bearing ....................................	53,108		0.8		49,329		2.0		37,340		2.5
Savings .................................................................	46,137		2.5		52,849		3.8		44,004		4.1
Time ....................................................................	12,542		1.2		13,342		3.3		10,114		4.7
Other ...................................................................	932		1.8		989		3.6		1,552		5.2
Middle East27 ............................................................	33,211				35,546				25,615
Demand and other - non-interest bearing .............	9,865		-		10,849		-		6,213		-
Demand - interest bearing ....................................	6,364		1.4		6,324		1.6		3,749		2.0
Savings .................................................................	15,005		3.4		16,119		3.1		13,946		4.6
Time ....................................................................	1,424		2.7		1,884		2.9		1,424		4.1
Other ...................................................................	553		0.2		370		0.5		283		1.1
North America .........................................................	145,820				144,982				130,982
Demand and other - non-interest bearing .............	18,350		-		16,759		-		15,175		-
Demand - interest bearing ....................................	25,870		0.2		18,261		1.6		15,389		3.3
Savings .................................................................	69,296		1.4		87,001		2.5		79,529		3.3
Time ....................................................................	25,164		1.3		17,838		3.2		17,655		5.9
Other ...................................................................	7,140		0.8		5,123		2.4		3,234		3.7
Latin America ..........................................................	63,635				65,071				54,708
Demand and other - non-interest bearing .............	10,598		-		12,507		-		10,530		-
Demand - interest bearing ....................................	4,734		1.1		4,994		1.9		5,662		2.1
Savings .................................................................	33,091		8.5		31,442		10.3		24,861		8.8
Time ....................................................................	14,244		4.8		15,179		5.2		12,443		5.9
Other ...................................................................	968		6.4		949		8.2		1,212		9.5
Total .......................................................................	1,070,963				1,058,071				918,828
Demand and other - non-interest bearing .............	130,045		-		107,217		-		90,942		-
Demand - interest bearing ....................................	474,100		0.3		430,141		1.9		379,885		3.0
Savings .................................................................	266,410		2.6		325,958		3.9		287,991		4.4
Time ....................................................................	141,320		1.6		159,110		3.6		137,824		4.9
Other ...................................................................	59,088		0.9		35,645		3.6		22,186		4.7

For footnote, see page 149.

Certificates of deposit and other money market instruments

	2009				2008				2007
	Average     balance	Average        rate			Average       balance		Average       rate		Average       balance		Average       rate
	US$m		%		US$m		%		US$m		%
Europe .....................................................................	65,151		0.9		74,007		4.5		66,164		5.0
Hong Kong ..............................................................	278		3.6		745		3.0		941		3.9
Rest of Asia-Pacific27 ...............................................	3,536		3.7		6,966		6.6		7,094		6.0
Middle East27 ...........................................................	265		6.4		648		4.6		136		3.7
North America .........................................................	14,218		1.1		22,278		3.3		23,735		5.4
Latin America ..........................................................	1,227		3.6		3,036		7.8		1,526		6.8
	84,675		1.2		107,680		4.5		99,596		5.2

For footnote, see page 149.

Certificates of deposit and other time deposits

The maturity analysis of CDs and other wholesale time deposits is expressed by remaining maturity. The majority of CDs and time deposits are in amounts of US$100,000 and over or the equivalent in other currencies.

	At 31 December 2009
	3 months             or less		After        3 months      but within        6 months		After        6 months      but within      12 months		After      12 months		Total
	US$m		US$m		US$m		US$m		US$m
Europe ...............................................	97,874		11,310		19,664		7,131		135,979
Certificates of deposit .....................	18,009		3,810		3,755		1		25,575
Time deposits:
- banks ...........................................	25,194		2,048		9,455		3,965		40,662
- customers ....................................	54,671		5,452		6,454		3,165		69,742
Hong Kong .........................................	12,031		873		484		500		13,888
Certificates of deposit .....................	75		24		151		265		515
Time deposits:
- banks ...........................................	619		1		-		89		709
- customers ....................................	11,337		848		333		146		12,664
Rest of Asia-Pacific27 .........................	13,890		1,784		651		1,108		17,433
Certificates of deposit .....................	1,498		1,001		366		183		3,048
Time deposits:
- banks ...........................................	2,231		252		19		108		2,610
- customers ....................................	10,161		531		266		817		11,775
Middle East27 ......................................	902		486		43		319		1,750
Certificates of deposit .....................	-		136		-		-		136
Time deposits:
- banks ...........................................	448		186		-		24		658
- customers ....................................	454		164		43		295		956
North America ...................................	14,235		4,221		3,314		1,293		23,063
Time deposits:
- banks ...........................................	2,798		-		7		238		3,043
- customers ....................................	11,437		4,221		3,307		1,055		20,020
Latin America ....................................	11,980		2,626		1,713		3,002		19,321
Certificates of deposit .....................	88		-		-		322		410
Time deposits:
- banks ...........................................	1,036		1,421		747		236		3,440
- customers ....................................	10,856		1,205		966		2,444		15,471
Total ..................................................	150,912		21,300		25,869		13,353		211,434
Certificates of deposit .....................	19,670		4,971		4,272		771		29,684
Time deposits:
- banks ...........................................	32,326		3,908		10,228		4,660		51,122
- customers ....................................	98,916		12,421		11,369		7,922		130,628

For footnote, see page 149.

 

END

 

 

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