Investor Presentaiton
Mainland China risk exposure
Strategy
2023 results
Appendix
Mainland China risk exposure, $bn
165
$174bn
Wholesale
Mortgages
Credit cards
178.4
176.8
and other
2.133.9
2.2
40.1
164.7
2.035.6
Mainland China risk exposure is defined as lending booked in mainland China plus wholesale lending booked offshore
where the ultimate parent and beneficial owner is in mainland China
Mainland China risk exposure (including Sovereign and public sector, Banks and NBFI and Corporates) of $174bn
comprising: Wholesale $165bn* (of which 50% is onshore); Retail: $9bn. These amounts exclude MSS financing
Gross loans and advances to customers of $46bn booked in mainland China (Wholesale: $37bn; Retail $9bn)
Wholesale lending analysis, $bn
Corporate lending by sector, $bn
Transportation Automotive
Consumer Goods
consumer
36.1
34.0
34.0
& Retail
4.1
18
106.2
100.6
93.1
Metals & Mining
4.2
3.6
Other Sectors
4.8
32.5
2022
4Q22
2023
Public Utilities
Reported gross
loans and advances
Reported
customer
5.2
NBFI
to customers, $bn
deposits, $bn
Sovereign & public sector
Banks Corporates
$93.1bn
Construction, 11.3
Wholesale lending by counterparty type and credit
Materials
53
56 57
50
54
quality, $bn
& Engineering
46
13.1
14.3
Customer
Satisfact
Strong Good
risk rating
Sub- Credit
ory standard impaired
Total
IT & Electronics
Real Estate 39
NBFI
0
2
0
0
2
Banks
34
1
0
0
36
Sovereign &
c.15% of corporate lending is to foreign-owned
enterprises
34
0
0
0
34
public sector
Corporates
34
28
24
4
4
93
Total
102
31
24
4
4
165
ā c.40% of lending is to state-owned enterprises
c.45% of lending is to private sector owned
enterprises
2022 4022 2023
2022 4022 2023
* Wholesale drawn risk exposure of $165bn includes on balance sheet lending as well as issued off balance sheet exposures, excludes unutilised commitments
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