Risk Weighted Capital Adequacy Framework

39 Pages·2015·0.6 MB·English

HSBC BANK MALAYSIA BERHAD
(Company No.127776-V)
(Incorporated in Malaysia)
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures
at 30 June 2015
CHIEF EXECUTIVE OFFICER'S ATTESTATION
I, Mukhtar Malik Hussain, being the Chief Executive Officer of HSBC Bank Malaysia Berhad, do hereby state that, in my opinion,
the Pillar 3 Disclosures set out on pages 2-39 have been prepared according to the Risk Weighted Capital Adequacy Framework
(Basel II), and are accurate and complete.
………………………………………..
MUKHTAR MALIK HUSSAIN
CHIEF EXECUTIVE OFFICER
27 July 2015
1
HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures
The Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures at 30 June 2015 do not include all of the information
required for full (Basel II) Pillar 3 Disclosures, and should be read in conjunction with the audited financial statements of HSBC Bank Malaysia
Berhad (the Bank) and its subsidiaries (collectively known as the Group) for the financial year ended 31 December 2014 and the Risk Weighted
Capital Adequacy Framework (Basel II) Pillar 3 Disclosures at 31 December 2014.
The tables attached in the Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures provide an understanding of the
quantitative changes relating to Pillar 3 Disclosures of the Group since the financial year ended 31 December 2014. There are no material changes
relating to qualitative disclosures during the interim reporting period.
Stress Testing
Stress testing is a key risk management tool used to assess a variety of risks to which the Group is exposed, including credit risk, market risk,
operational risk, etc. Stress testing should be conducted on entity level and on a bank-wide basis.
Stress testing and scenario analysis form an integral part of Internal Capital Adequacy Assessment Process (ICAAP) to demonstrate that the Group
can maintain risk capital sufficient enough to sustain operations during an economic downturn.
A key objective of stress testing is to make risk more transparent by estimating the potential losses on the Group’s exposure and impacts on its
capital adequacy ratio, capital requirements and profit and loss under abnormal conditions. It will also assess specifically the extent by which risk-
weighted assets and capital requirements will increase, and how profit and loss as well as liquidity levels will change. It plays a particularly
important role in:
• Providing forward-looking assessments of risk.
• Overcoming limitations of models and historical data.
• Supporting internal and external communication.
• Feeding into capital and liquidity planning process.
• Informing the setting of a banks’ risk tolerance.
• Facilitating the development of risk mitigation or contingency plans across a range of stressed conditions.
• Building upon business and strategic planning to the Risk Appetite of the institution.
• Strengthening the Group’s corporate governance and the resilience of the financial system.
Using the experiences of thepast held in localoperations in addition tothe wider experiences that can beobtained from the diversified operation
•
and management.
Stress testing is considered as the collective quantitative and qualitative techniques used to assess all facets to the risks faced by the Group. Stress
testing is done in collaboration across all customer groups and functions such as Risks and Finance. The results of the analysis will facilitate
informed financial and capital management whilst supporting business lines to manage their business through various measures such as establishing
triggers and devising mitigation actions which can be readily implemented should the adverse scenarios materialise.
In line with Bank Negara Malaysia (BNM)'s Guideline on Stress Testing and the Group's Policy Paper for Stress Testing, a Stress Test Steering
Committee (STSC) has been established.
Stress testing will be carried out subject to regulatory and internal management demands as and when needed. At a minimum, a complete stress
testing for the entire Group should be completed on a semi-annual basis. Stress testing results are reviewed by STSC, Risk Management Committee
(RMC), Risk Committee (RC) and Board of Directors (BOD) prior to submission to BNM.
Governance
The STSC will actively manage and drive cohesion and consistency across all stress testing activities, including the execution of enterprise wide
stress tests and enhancements to stress testing and data capability. The STSC is accountable to RMC. Stress test results and the propose mitigating
actions will be recommended by RMC and RC of the Board for approval.
Refer to Note 32 to the unaudited condensed interim financial statements at 30 June 2015 for the total risk weighted capital ratio, Common Equity
Tier 1 and Tier 1 capital ratio, and risk weighted assets and capital requirements for credit risk, market risk and operational risk.
2
HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
1) RWA and Capital Requirement
The tables below disclose the gross and net exposures, risk weighted assets (RWA) and capital requirements for credit risk, market risk and operational risk of
the Group and the Bank at the balance sheet date.
At 30 June 2015, the RWA risk absorbent for Syndicated Investment Account for Financing (SIAF)/ Investment Agency Account(IAA) in the Bank amounted
to RM1,622.92m (31 December 2014 : RM415.74m). Both the principal amount and RWA are the same. This amount is reported as asset under management
in the books of the Bank's Islamic Subsidiary. At the group level, the effect of the RWA risk absorbent profit sharing investment is eliminated.
30 June 2015 Group
(RM'000)
Risk Weighted Capital
Exposure Class Gross Exposures Net Exposures
Assets (RWA) Requirement
Credit Risk (Standardised Approach)
On-Balance Sheet Exposures
Sovereigns/Central Banks 2 8,091,057 28,091,057 - -
PSEs 1,620,278 1,620,278 1,565,908 125,273
Banks, DFIs & MDBs 5,756,209 5,756,209 1,324,505 105,960
Corporates 1 9,410,794 18,633,217 17,851,119 1,428,090
Regulatory Retail 6,475,781 6,301,434 4,564,193 365,135
Residential Mortgages 1 9,315,318 19,292,894 7,609,931 608,794
Higher Risk Assets 2,186 2,186 3,279 262
Other Assets 801,274 801,274 483,528 38,682
Equity Exposure 16,908 16,908 16,908 1,353
Defaulted Exposures 806,424 795,227 915,315 73,225
Total for On-Balance Sheet Exposures 8 2,296,229 81,310,684 34,334,686 2,746,774
Off-Balance Sheet Exposures
OTC Derivatives 5,399,851 4,653,683 2,299,047 183,924
Off balance sheet exposures other than OTC
derivatives or credit derivatives 1 6,470,900 16,192,809 13,496,366 1,079,709
Defaulted Exposures 44,515 25,733 38,321 3,066
Total for Off-Balance Sheet Exposures 2 1,915,266 20,872,225 15,833,734 1,266,699
Total On and Off-Balance Sheet Exposures * 1 04,211,495 102,182,909 50,168,420 4,013,473
Market Risk (Standardised Approach) Long Position Short Position
Interest/Profit Rate Risk 69,818,107 6 9,271,258 546,849 1,559,229 124,739
Foreign Currency Risk 46,043 75,596 82,460 82,460 6,597
Options Risk - - - 68,488 5,479
69,864,150 6 9,346,854 629,309 1,710,177 136,815
Operational Risk (Standardised Approach) - - - 5,758,790 460,703
Total RWA and Capital Requirement - - - 57,637,387 4,610,991
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HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
1) RWA and Capital Requirement (Cont'd)
31 Dec 2014 Group
(RM'000)
Risk Weighted Capital
Exposure Class Gross Exposures Net Exposures
Assets (RWA) Requirement
Credit Risk (Standardised Approach)
On-Balance Sheet Exposures
Sovereigns/Central Banks 2 7,411,534 27,411,534 - -
PSEs 642,604 642,604 588,070 47,045
Banks, DFIs & MDBs 5,816,337 5,816,337 1,343,392 107,471
Corporates 1 7,282,158 16,509,405 15,863,531 1,269,082
Regulatory Retail 6,625,915 6,454,873 4,688,148 375,052
Residential Mortgages 1 8,946,764 18,923,044 7,509,159 600,733
Higher Risk Assets 11,743 11,743 17,614 1,409
Other Assets 842,036 842,036 524,535 41,962
Equity Exposure 16,908 16,908 16,908 1,353
Defaulted Exposures 556,324 546,502 567,685 45,415
Total for On-Balance Sheet Exposures 7 8,152,323 77,174,986 31,119,042 2,489,522
Off-Balance Sheet Exposures
OTC Derivatives 4,545,966 4,545,966 2,141,963 171,358
Off balance sheet exposures other than OTC derivatives
or credit derivatives 1 4,758,694 14,476,240 12,132,367 970,589
Defaulted Exposures 81,199 69,848 103,870 8,309
Total for Off-Balance Sheet Exposures 1 9,385,859 19,092,054 14,378,200 1,150,256
Total On and Off-Balance Sheet Exposures * 9 7,538,182 96,267,040 45,497,242 3,639,778
Market Risk (Standardised Approach) Long Position Short Position
Interest/Profit Rate Risk 68,742,191 6 7,173,042 1,569,149 1,409,189 112,735
Foreign Currency Risk 99,696 61,238 99,696 99,696 7,976
Options Risk - - - 229,423 18,354
68,841,887 6 7,234,280 1,668,845 1,738,308 139,065
Operational Risk (Standardised Approach) - - - 5,711,241 456,899
Total RWA and Capital Requirement - - - 52,946,791 4,235,742
Note:
MDBs - Multilateral Development Banks
DFIs - Development Financial Institutions
PSEs - Public Sector Entities
OTC - Over the counter
* The variance between Gross Exposures and Net Exposures, represents the 'Total On and Off-Balance Sheet Exposures covered by Eligible Collateral'.
Refer to Note (3) (ii) within this disclosure document.
Refer to Note 32 and Note 33 to the unaudited condensed interim financial statements at 30 June 2015 for disclosure of counterparty credit risk and disclosure
of off-balance sheet respectively.
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HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
1) RWA and Capital Requirement ( Cont'd)
30 June 2015 Bank
(RM'000)
Risk Weighted Capital
Exposure Class Gross Exposures Net Exposures
Assets (RWA) Requirement
Credit Risk (Standardised Approach)
On-Balance Sheet Exposures
Sovereigns/Central Banks 2 1,785,481 21,785,481 - -
PSEs 1,223,490 1,223,490 1,169,120 93,530
Banks, DFIs & MDBs 8,147,974 8,147,974 1,798,636 143,891
Corporates 1 4,699,451 14,023,741 13,430,521 1,074,442
Regulatory Retail 4,365,745 4,215,330 2,995,904 239,672
Residential Mortgages 1 5,278,719 15,259,069 5,973,738 477,899
Higher Risk Assets 2,186 2,186 3,279 262
Other Assets 687,771 687,771 451,762 36,141
Equity Exposure 16,908 16,908 16,908 1,353
Defaulted Exposures 678,702 671,913 781,136 62,491
Total for On-Balance Sheet Exposures 6 6,886,427 66,033,863 26,621,004 2,129,681
Off-Balance Sheet Exposures
OTC Derivatives 5,568,634 4,822,467 2,185,643 174,851
Off balance sheet exposures other than OTC
derivatives or credit derivatives 1 3,504,889 13,284,951 11,348,713 907,897
Defaulted Exposures 37,256 19,136 28,426 2,274
Total for Off-Balance Sheet Exposures 1 9,110,779 18,126,554 13,562,782 1,085,022
Total On and Off-Balance Sheet Exposures * 8 5,997,206 84,160,417 40,183,786 3,214,703
Market Risk (Standardised Approach) Long Position Short Position
Interest/Profit Rate Risk 6 5,572,226 6 4,724,321 847,905 1,430,509 114,441
Foreign Currency Risk 37,214 73,631 73,631 73,631 5,891
Options Risk - - - 68,488 5,479
6 5,609,440 6 4,797,952 921,536 1,572,628 125,811
Operational Risk (Standardised Approach) - - - 5,150,711 412,057
Total RWA and Capital Requirement - - - 46,907,125 3,752,571
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HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
1) RWA and Capital Requirement ( Cont'd)
31 Dec 2014 Bank
(RM'000)
Risk Weighted Capital
Exposure Class Gross Exposures Net Exposures
Assets (RWA) Requirement
Credit Risk (Standardised Approach)
On-Balance Sheet Exposures
Sovereigns/Central Banks 2 2,504,296 22,504,296 - -
PSEs 266,097 266,097 211,563 16,925
Banks, DFIs & MDBs 8,061,886 8,061,886 1,787,235 142,979
Corporates 1 3,122,518 12,412,408 11,949,178 955,934
Regulatory Retail 4,558,059 4,416,672 3,154,063 252,325
Residential Mortgages 1 5,105,258 15,084,307 5,939,053 475,124
Higher Risk Assets 11,743 11,743 17,614 1,409
Other Assets 634,368 634,368 416,337 33,307
Equity Exposure 16,908 16,908 16,908 1,353
Defaulted Exposures 451,245 442,381 455,652 36,452
Total for On-Balance Sheet Exposures 6 4,732,378 63,851,066 23,947,603 1,915,808
Off-Balance Sheet Exposures
OTC Derivatives 4,761,093 4,761,093 2,133,828 170,706
Off balance sheet exposures other than OTC
derivatives or credit derivatives 1 2,009,235 11,784,637 10,078,680 806,294
Defaulted Exposures 74,927 63,671 94,604 7,568
Total for Off-Balance Sheet Exposures 1 6,845,255 16,609,401 12,307,112 984,568
Total On and Off-Balance Sheet Exposures * 8 1,577,633 80,460,467 36,254,715 2,900,376
Market Risk (Standardised Approach) Long Position Short Position
Interest/Profit Rate Risk 6 4,475,175 6 2,317,660 2,157,515 1,308,745 104,700
Foreign Currency Risk 89,787 58,603 89,787 89,787 7,183
Options Risk - - - 229,423 18,354
6 4,564,962 6 2,376,263 2,247,302 1,627,955 130,237
Operational Risk (Standardised Approach) - - - 5,079,063 406,325
Total RWA and Capital Requirement - - - 42,961,733 3,436,938
Note:
MDBs - Multilateral Development Banks
DFIs - Development Financial Institutions
PSEs - Public Sector Entities
OTC - Over the counter
* The variance between Gross Exposures and Net Exposures, represents the 'Total On and Off-Balance Sheet Exposures covered by Eligible Collateral'.
Refer to Note (3) (ii) within this disclosure document.
Refer to Note 32 and Note 33 to the unaudited condensed interim financial statements at 30 June 2015 for disclosure of counterparty credit risk and
disclosure of off-balance sheet respectively.
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HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
2) Risk Weight Profile and RWA
The tables below are disclosures on risk weights profile and RWA of the Group and the Bank at balance sheet date.
30 June 2015 Group
(RM'000)
Exposures after Netting and Credit Risk Mitigation
Total Exposures
Total Risk
Risk Higher after Netting &
Sovereigns & Banks, DFIs Regulatory Residental Other Weighted
Weights PSEs Corporates Risk Equity Credit Risk
Central Banks & MDBs Retail Mortgages Assets Assets
Assets Mitigation
0% 28,091,057 - - 5,730 1 2,402 - - 3 17,746 - 28,426,935 -
20% - 287,893 7 ,575,140 1,426,718 3 71,855 - - - - 9,661,606 1,932,321
35% - - - - - 16,605,978 - - - 16,605,978 5,812,092
50% - 71,093 2 ,835,071 947,540 5 ,965 1,325,232 - - - 5,184,901 2,592,451
75% - - - 6,356 7 ,818,991 2,624,889 - - - 10,450,236 7,837,677
100% - 2,071,047 8 4,698 26,825,310 3 75,500 1,715,010 - 4 83,528 16,908 31,572,001 31,572,001
150% - 2,078 7 57 208,557 5 8,489 8,616 2,755 - - 281,252 421,878
1250% - - - - - - - - - - -
Total 102,182,909 50,168,420
Average Risk Weight 0% 89% 29% 95% 74% 46% 150% 60% 100% 49%
31 Dec 2014 Group
(RM'000)
Exposures after Netting and Credit Risk Mitigation
Total Exposures
Total Risk
Risk Higher after Netting &
Sovereigns & Banks, DFIs Regulatory Residental Other Weighted
Weights PSEs Corporates Risk Equity Credit Risk
Central Banks & MDBs Retail Mortgages Assets Assets
Assets Mitigation
0% 27,411,534 - - 6,447 1 2,689 - - 3 16,665 - 27,747,335 -
20% - 203,515 7 ,496,770 1,310,285 3 65,088 - - - - 9,375,658 1,875,131
35% - - - - - 16,184,185 - - - 16,184,185 5,664,465
50% - 26,115 2 ,842,705 628,125 6 ,225 1,222,646 - 1 ,872 - 4,727,688 2,363,843
75% - - - 7,366 7 ,904,237 2,919,095 - - - 10,830,698 8,123,024
100% - 996,068 1 10,913 23,788,304 3 92,644 1,434,727 - 5 23,491 16,908 27,263,055 27,263,054
150% - 1,908 1 6,803 54,395 4 1,735 8,930 14,641 - - 138,412 207,617
1250% - - - - - - - 9 - 9 108
Total 96,267,040 45,497,242
Average Risk Weight 0% 86% 29% 95% 74% 46% 150% 62% 100% 47%
30 June 2015 Bank
(RM'000)
Exposures after Netting and Credit Risk Mitigation
Total Exposures
Total Risk
Risk Higher after Netting &
Sovereigns & Banks, DFIs Regulatory Residental Other Weighted
Weights PSEs Corporates Risk Equity Credit Risk
Central Banks & MDBs Retail Mortgages Assets Assets
Assets Mitigation
0% 21,785,481 - - 2,154 9 ,566 - - 2 36,010 - 22,033,211 -
20% - 154,726 1 0,370,011 663,257 3 66,137 - - - - 11,554,131 2,310,825
35% - - - - - 13,276,389 - - - 13,276,389 4,646,735
50% - 71,093 2 ,608,355 861,994 5 ,564 968,659 - - - 4,515,665 2,257,832
75% - - - 2,400 5 ,380,635 2,363,742 - - - 7,746,777 5,810,081
100% - 1,596,788 4 8,449 21,159,865 3 09,706 1,202,628 - 4 51,762 16,908 24,786,106 24,786,106
150% - 2,078 4 96 200,744 3 4,194 7,871 2,755 - - 248,138 372,207
1250% - - - - - - - - - - -
Total 84,160,417 40,183,786
Average Risk Weight 0% 91% 26% 96% 73% 46% 150% 66% 100% 48%
31 Dec 2014 Bank
(RM'000)
Exposures after Netting and Credit Risk Mitigation
Total Exposures
Total Risk
Risk Higher after Netting &
Sovereigns & Banks, DFIs Regulatory Residental Other Weighted
Weights PSEs Corporates Risk Equity Credit Risk
Central Banks & MDBs Retail Mortgages Assets Assets
Assets Mitigation
0% 22,504,296 - - 2,662 1 0,042 - - 2 17,195 - 22,734,195 -
20% - 133,683 9 ,946,799 664,292 3 60,015 - - - - 11,104,789 2,220,958
35% - - - - - 13,037,459 - - - 13,037,459 4,563,111
50% - 26,115 2 ,771,141 543,696 5 ,719 920,131 - 1 ,872 - 4,268,674 2,134,337
75% - - - 3,032 5 ,550,930 2,588,316 - - - 8,142,278 6,106,708
100% - 587,114 5 7,463 18,678,751 3 24,774 979,897 - 4 15,293 16,908 21,060,200 21,060,200
150% - 1,908 1 3,467 51,676 2 3,696 7,475 14,641 - - 112,863 169,293
1250% - - - - - - - 9 - 9 108
Total 80,460,467 36,254,715
Average Risk Weight 0% 84% 27% 96% 73% 45% 150% 66% 100% 45%
Note:
MDBs - Multilateral Development Banks
DFIs - Development Financial Institutions
PSEs - Public Sector Entities
7
HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
3) Credit Risk
Table 1: Geographical distribution of loans/financing breakdown by type
30 June 2015
Group (RM'000) Northern Southern Central Eastern Total
Overdrafts/Cash line-i 1 59,050 1 35,164 6 54,578 1 84,571 1 ,133,363
Term loans/financing
Housing loans/financing 3 ,289,756 3 ,014,151 1 1,126,732 1 ,137,743 1 8,568,382
Syndicated term loan/financing - - 8 56,701 - 8 56,701
Factoring receivables 2 7,198 6 6,643 1 14,558 5 8,014 2 66,413
Hire purchase receivables 6 4,436 5 2,749 9 0,242 2 8,989 2 36,416
Lease receivables - - 4 ,750 - 4 ,750
Other term loans/financing 1 ,381,589 1 ,669,400 9 ,344,734 1 ,208,588 1 3,604,311
Bills receivable 1 49,087 5 73,928 2 ,214,992 1 22,007 3 ,060,014
Trust receipts 2 89,326 2 80,461 1 ,030,942 4 2,462 1 ,643,191
Claims on customers under acceptance credits 7 18,707 4 89,574 1 ,214,846 1 91,513 2 ,614,640
Staff loans/financing 2 3,096 1 1,845 1 38,626 1 0,011 1 83,578
Credit/charge cards 5 05,671 3 59,914 1 ,548,298 2 70,010 2 ,683,893
Revolving credit 2 11,472 3 28,270 3 ,946,941 9 3,494 4 ,580,177
Other loans/financing 2 ,029 8 34 1 ,367 3 68 4 ,598
6 ,821,417 6 ,982,933 3 2,288,307 3 ,347,770 4 9,440,427
31 Dec 2014 (Restated - refer Note 7)
Group (RM'000) Northern Southern Central Eastern Total
Overdrafts/Cash line-i 1 73,803 1 30,313 6 06,012 2 35,469 1 ,145,597
Term loans/financing
Housing loans/financing 3 ,212,083 2 ,905,282 1 0,858,889 1 ,060,064 1 8,036,318
Syndicated term loan/financing - - - - -
Factoring receivables 2 3,354 1 4,715 1 17,974 4 6,708 2 02,751
Hire purchase receivables 5 5,179 4 5,354 9 9,297 3 4,879 2 34,709
Lease receivables - - 5 ,373 - 5 ,373
Other term loans/financing 1 ,359,946 1 ,646,157 7 ,751,134 1 ,367,268 1 2,124,505
Bills receivable 1 97,489 1 13,131 1 ,869,052 1 32,049 2 ,311,721
Trust receipts 2 82,908 4 81,795 1 ,126,601 1 59,798 2 ,051,102
Claims on customers under acceptance credits 8 24,476 4 08,315 1 ,231,620 2 14,742 2 ,679,153
Staff loans/financing 3 6,360 2 0,718 1 97,187 1 6,987 2 71,252
Credit/charge cards 5 36,752 3 80,445 1 ,557,032 2 87,759 2 ,761,988
Revolving credit 2 46,232 2 50,628 3 ,624,361 1 05,342 4 ,226,563
Other loans/financing 2 ,230 9 48 1 ,606 4 56 5 ,240
6 ,950,812 6 ,397,801 2 9,046,138 3 ,661,521 4 6,056,272
The Northern region consists of the states of Perlis, Kedah, Penang, Perak, Pahang, Kelantan and Terengganu.
The Southern region consists of the states of Johor, Malacca and Negeri Sembilan.
The Central region consists of the state of Selangor and the Federal Territory of Kuala Lumpur .
The Eastern region consists of the states of Sabah, Sarawak and the Federal Territory of Labuan.
Concentration by location for loans, advances and financing is based on the location of the borrower.
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HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
3) Credit Risk (Cont'd)
Table 1: Geographical distribution of loans/financing breakdown by type
30 June 2015
Bank (RM'000) Northern Southern Central Eastern Total
Overdrafts 1 49,179 1 13,213 5 88,453 1 82,579 1 ,033,424
Term loans/financing
Housing loans/financing 2 ,714,209 2 ,417,488 8 ,455,360 9 48,127 1 4,535,184
Syndicated term loan/financing - - 4 90,622 - 4 90,622
Factoring receivables 2 7,198 6 6,643 1 14,558 5 8,014 2 66,413
Hire purchase receivables - - - - -
Other term loans/financing 1 ,006,185 9 78,877 5 ,886,256 1 ,012,630 8 ,883,948
Bills receivable 1 49,087 5 73,928 2 ,214,992 1 22,007 3 ,060,014
Trust receipts 2 06,271 2 60,716 7 32,230 3 7,930 1 ,237,147
Claims on customers under acceptance credits 6 07,270 3 59,796 7 42,898 1 82,834 1 ,892,798
Staff loans/financing 2 2,504 1 0,753 1 33,471 9 ,525 1 76,253
Credit/charge cards 4 06,948 2 85,893 1 ,241,430 2 43,052 2 ,177,323
Revolving credit 2 08,868 3 22,917 3 ,375,845 9 3,494 4 ,001,124
Other loans/financing 2 ,029 8 34 1 ,367 3 68 4 ,598
5 ,499,748 5 ,391,058 2 3,977,482 2 ,890,560 3 7,758,848
31 Dec 2014 (Restated - refer Note 7)
Bank (RM'000) Northern Southern Central Eastern Total
Overdrafts 1 59,344 1 08,509 5 51,006 2 33,530 1 ,052,389
Term loans/financing
Housing loans/financing 2 ,662,089 2 ,356,922 8 ,321,779 8 74,782 1 4,215,572
Syndicated term loan/financing - - - - -
Factoring receivables 2 3,354 1 4,715 1 17,974 4 6,708 2 02,751
Hire purchase receivables - 1 79 - - 1 79
Other term loans/financing 9 46,052 9 43,375 4 ,496,752 1 ,146,952 7 ,533,131
Bills receivable 1 97,489 1 13,131 1 ,869,052 1 32,049 2 ,311,721
Trust receipts 1 60,379 4 63,399 9 11,896 1 56,837 1 ,692,511
Claims on customers under acceptance credits 7 37,202 2 93,345 8 22,661 2 06,687 2 ,059,895
Staff loans/financing 3 5,724 1 9,844 1 91,122 1 6,525 2 63,215
Credit/charge cards 4 36,974 3 06,289 1 ,259,045 2 59,860 2 ,262,168
Revolving credit 2 21,138 2 47,608 3 ,034,399 1 05,179 3 ,608,324
Other loans/financing 2 ,230 9 48 1 ,606 4 56 5 ,240
5 ,581,975 4 ,868,264 2 1,577,292 3 ,179,565 3 5,207,096
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HSBC Bank Malaysia Berhad
127776-V
Risk Weighted Capital Adequacy Framework (Basel II) Pillar 3 Interim Disclosures (Cont’d)
3) Credit Risk (Cont'd)
Table 2: Geographical distribution of impaired loans/financing breakdown by type
30 June 2015
Group (RM'000) Northern Southern Central Eastern Total
Overdrafts/Cash line-i 3 ,823 1 ,203 8 ,936 5 7,735 7 1,697
Term loans/financing
Housing loans/financing 7 6,137 7 2,632 1 79,666 1 6,657 3 45,092
Factoring receivables 7 39 - - - 7 39
Hire purchase receivables 2 ,227 2 28 1 ,009 4 ,519 7 ,983
Other term loans/financing 3 3,576 1 1,154 1 66,277 1 34,280 3 45,287
Bills receivable 1 09 6 ,404 5 58 2 ,583 9 ,654
Trust receipts 7 78 - 8 ,479 1 9,477 2 8,734
Claims on customers under acceptance credits 4 ,199 3 80 5 ,082 6 ,004 1 5,665
Staff loans/financing 2 63 - 1 ,487 1 1 1 ,761
Credit/charge cards 1 1,597 8 ,418 2 3,466 4 ,692 4 8,173
Revolving credit - - 3 ,906 - 3 ,906
Other loans/financing 2 ,028 8 33 1 ,354 3 68 4 ,583
1 35,476 1 01,252 4 00,220 2 46,326 8 83,274
31 Dec 2014
Group (RM'000) Northern Southern Central Eastern Total
Overdrafts/Cash line-i 6 ,844 1 ,665 1 9,957 1 0,062 3 8,528
Term loans/financing
Housing loans/financing 6 6,560 5 4,224 1 63,114 1 2,844 2 96,742
Factoring receivables 8 68 - - - 8 68
Hire purchase receivables 6 ,006 4 60 7 37 4 ,735 1 1,938
Other term loans/financing 4 6,075 1 7,280 1 43,042 2 5,969 2 32,366
Bills receivable 3 08 7 ,730 - - 8 ,038
Trust receipts 1 ,547 - 6 ,744 2 ,667 1 0,958
Claims on customers under acceptance credits 3 87 1 ,633 1 4,627 7 ,126 2 3,773
Staff loans/financing 2 09 5 4 3 ,273 3 7 3 ,573
Credit/charge cards 1 2,777 8 ,405 3 0,084 4 ,285 5 5,551
Revolving credit - - 4 ,372 - 4 ,372
Other loans/financing 6 74 2 45 4 81 1 38 1 ,538
1 42,255 9 1,696 3 86,431 6 7,863 6 88,245
10