Investor Presentaiton
Appendix
Balance sheet - customer lending
Strategy
Results
Adjusted customer lending (on a constant currency basis), $bn
4020 adjusted customer lending growth by global business and region, $bn
1,037
1,040
1,019
1,041
1,038
Growth since 3020
Hong Kong
mortgages
Growth since 3Q20
UK mortgages
1,106
1,063
1,075
1,074
1,038
WPB
$469bn
(6) 4
(1)%
Europe
$408bn
(3)% (12)
442
472
450
434
421
o/w: UK
$315bn
(2)% (7)
313
322
316
321
315
Asia
$473bn
(4)% (18)
CMB
$343bn
(3)% (11)
308
312
309
319
302
o/w: Hong
Kong
$302bn
(5)% (17)
4019
Other
1Q20
UK
2020
Hong Kong
3Q20
Reported net loans and advances to
customers
4Q20
GBM
$224bn
(8)% (19)
MENA
$29bn
(3)% (1)
Adjusted customer lending of $1,038bn decreased by $37bn (3%) vs.
3020
ā WPB lending down $6bn (1%) with growth in mortgages ($6bn) offset by
short term Hong Kong IPO lending being repaid
CMB lending decreased by $11bn (3%), primarily due to repayments
GBM lending decreased by $19bn (8%), from lower term lending in Asia,
Europe and the US and lower overdrafts in Europe
North
America
$108bn
(4)% (5)
Corporate
$1bn
(1)%
Centre
o/w: US
$58bn
(7)% (4)
Latin
America
$20bn
Total
$1,038bn (3)%
(37)
Total
$1,038bn (3)%
(37)
(7)% (1)
Totals may not cast due to rounding
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