Investor Presentaiton
Hong Kong loans and advances
Hong Kong loans and advances
10% 7%
$322bn 52%
31%
Corporate
Mortgages
Other retail
Banks
Wholesale credit quality
Strategy
4022 results
Appendix
Total gross loans and advances to customers and banks of $322bn (4Q21: $329bn) by booking location
(wholesale: $189bn; personal: $133bn)
FY22 ECL charge of $1,680m (CMB: $1,276m, WPB: $139m, GBM $267m), vs. $608m in FY21 (CMB $241m,
WPB: $112m, GBM: $255m)
4022 average LTV on new retail mortgage lending was 59% (4Q21: 62%); average LTV for the overall retail
mortgage portfolio was 57% (4Q21: 47%)
Gross loans and advances to customers and banks by
IFRS 9 stage, $bn
Corporate lending by sector, $bn
3%
2%
4Q22
4021
CRR 1-3
L&A
ECL
allowance
ECL %
L&A
ECL
ECL %
L&A
32.5
allowance
L&A
31%
CRR 4-6
56.2
$189bn
Stage 1
283.7
0.2
0.1%
291.3
0.2
0.1%
CRR 7-8
64%
Stage 2
32.8
1.0
3.1%
35.3
0.9
2.5%
6.3
Impaired
Stage 3*
5.6
2.2
39.0%
2.2
0.9
40.1%
8.7
$166bn
POCI
0.1
Total
322.2
0.0 38.6%
3.4
0.2
328.9
0.0
13.2%
1.9
17.2
Personal credit quality
Stage 2 loans as a % of total L&As to customers and banks
24.6
5%
20.8
10%
Band 1-3
20%
18%
15%
15%
Band 4-6
12%
12%
Wholesale
$133bn
10%
Real estate activities
Wholesale and retail
Transporting and storage
Power/utility supply
Band 7
4%
4%
4%
4%
3%
Personal
trade
NBFI
Other
0%
95%
4Q21
1022
2022
3Q22
4Q22
Manufacturing
* Stage 3 loans includes c. $3bn of exposure relating to mainland China CRE
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