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HALF-YEAR REPORT 2016
Notes to the Consolidated Financial Statements
For the six months ended 30 June 2016
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19 Loans and advances to customers and other parties
(continued)
(b) Types of collateral
30 June
2016
31 December
2015
HK$ million
HK$ million
Unsecured loans
616,834
588,325
Guaranteed loans
590,207
588,124
Secured loans
– Loans secured by collateral
1,558,823
1,397,259
– Pledged loans
369,196
339,655
3,135,060
2,913,363
Discounted bills
92,853
110,721
Gross loans and advances
3,227,913
3,024,084
(c) Assessment method of allowance for impairment losses
As at 30 June 2016
Loans and
advances for
Impaired loans and advances
(note (i))
Gross impaired
loans and
advances as
which the
allowance is
collectively
assessed
for which the
allowance is
collectively
assessed
for which the
allowance is
individually
assessed
Total
a percentage
of gross total
loans and
advances
HK$ million HK$ million HK$ million HK$ million
Gross loans and advances
3,178,875
11,588
37,450
3,227,913
1.52%
Less: allowance for impairment losses
(43,546)
(8,278)
(23,070)
(74,894)
3,135,329
3,310
14,380
3,153,019
As at 31 December 2015
Loans and
advances for
Impaired loans and advances
(note (i))
Gross impaired
loans and
advances as
which the
allowance is
collectively
assessed
for which the
allowance is
collectively
assessed
for which the
allowance is
individually
assessed
Total
a percentage
of gross total
loans and
advances
HK$ million HK$ million HK$ million HK$ million
Gross loans and advances
2,977,437
9,553
37,094
3,024,084
1.54%
Less: allowance for impairment losses
(47,335)
(6,978)
(21,973)
(76,286)
2,930,102
2,575
15,121
2,947,798