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Investor Presentaiton

MORGAN STANLEY BANK ASIA LIMITED UNAUDITED SUPPLEMENTARY FINANCIAL INFORMATION Year ended 31 December 2020 B. SEGMENTAL INFORMATION (CONTINUED) (b) By class of business (continued) The Company's business segment results for the year ended 31 December 2020 are as follows: Wealth Management (1) US$'000 Treasury and others (1) US$'000 Total US$'000 2020 Total operating income (net of interest expense) 451,611 14,894 466,505 Profit before ECL 141,834 14,253 156,087 Profit before income tax 141,834 14,216 156,050 Total assets 3,373,387 4,619,838 7,993,225 (1) The amounts disclosed above are after elimination of interoffice balances or transactions between the head office in Hong Kong and the Branch. C. LOAN AND ADVANCES - SECTOR INFORMATION As at 31 December Sector classification Loans and advances for use in Hong Kong Industrial, commercial and financial: Financial concerns Others Individuals Others Loans and advances for use outside Hong Kong Total 2020 US$'000 34,320 1,351,011 386,733 1,666,138 3,438,202 For the extent to which loans and advances are covered by collaterals, please refer to "collateral and other credit enhancement" under note 24 to the audited financial statements. 67 10
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