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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)
(d) Movements of allowance for impairment losses
(continued)
Six months ended 30 June 2015
Loans and
advances for
Impaired loans and advances
which the
allowance is
collectively
assessed
for which the
allowance is
collectively
assessed
for which the
allowance is
individually
assessed
Total
HK$ million
HK$ million
HK$ million
HK$ million
At 1 January
46,554
4,920
17,627
69,101
Charge for the period
– Impairment allowance on loans charged
304
4,069
17,960
22,333
– Reversal of impairment for the period
(197)
(203)
(1,937)
(2,337)
Unwinding of discount on allowance
–
–
(310)
(310)
Write-offs
–
(2,222)
(13,704)
(15,926)
Recovery of loans and advances written
off in previous year
–
201
110
311
Changes of exchange rate
24
11
44
79
At 30 June
46,685
6,776
19,790
73,251
(e) Overdue loans by overdue period
As at 30 June 2016
Overdue
within
3 months
Overdue
between
3 months
and 1 year
Overdue
between
1 year and
3 years
Overdue
over 3 years
Total
HK$ million HK$ million HK$ million HK$ million HK$ million
Unsecured loans
7,338
4,011
2,842
440
14,631
Guaranteed loans
12,409
12,300
6,637
167
31,513
Secured loans
– Loans secured by collateral
31,450
24,174
7,434
750
63,808
– Pledged loans
3,759
1,672
871
56
6,358
54,956
42,157
17,784
1,413
116,310