97 / 135
HALF-YEAR REPORT 2016
Notes to the Consolidated Financial Statements
For the six months ended 30 June 2016
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32 Financial risk management and fair values
(continued)
(a) Credit risk
(continued)
(ii) Distribution by credit exposure is as follows:
As at 30 June 2016
Loans and
advances to
customers
and other
parties
Due from
central banks,
banks and
non-bank
financial
institutions
Financial
asset held
under resale
agreements
Debt
securities
investments
and
certificates of
deposit
Investments
classified as
receivables
HK$ million HK$ million HK$ million HK$ million HK$ million
Impaired
Individually assessed
Gross balance
37,450
36
–
4,632
480
Allowance for impairment losses
(23,070)
(10)
–
(46)
(150)
14,380
26
–
4,586
330
Collectively assessed
Gross balance
11,588
–
–
–
–
Allowance for impairment losses
(8,278)
–
–
–
–
3,310
–
–
–
–
Overdue but not impaired
(note (1))
Gross balance
72,829
–
–
–
–
Within which:
– Within 3 months
53,131
–
–
–
–
– Between 3 months and 1 year
19,698
–
–
–
–
Allowance for impairment losses
(8,524)
–
–
–
–
64,305
–
–
–
–
Neither overdue nor impaired
Gross balance
3,106,046
994,325
113,199
809,400
1,383,375
Allowance for impairment losses
(note (2))
(35,022)
–
–
(68)
(2,793)
3,071,024
994,325
113,199
809,332
1,380,582
Net balance
3,153,019
994,351
113,199
813,918
1,380,912