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Annual Financial Report - 7 of 38

30th Mar 2010 16:36

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.

This information is provided by RNS

The company news service from the London Stock Exchange

END

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