Report of Directors Financial Review Risk Report - Personal lending: reconciliation of changes in gross carrying/nominal amount and allowances for loans and advances to banks and customers including loan commitments and financial guarantees (Details) - USD ($)
$ in Millions |
12 Months Ended |
Dec. 31, 2025 |
Dec. 31, 2024 |
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
$ 2,923,319
|
|
| transfers from stage 1 to stage 2 |
7,602
|
|
| Balance at 31 Dec |
3,117,161
|
$ 2,923,319
|
| UK |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| transfers from stage 1 to stage 2 |
11,245
|
|
| Mexico |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| transfers from stage 1 to stage 2 |
1,042
|
|
| Hong Kong |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| transfers from stage 1 to stage 2 |
1,152
|
|
| Gross carrying amount |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
2,350,371
|
|
| Balance at 31 Dec |
2,486,661
|
2,350,371
|
| Gross carrying amount | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
1,629,501
|
|
| Net new and further lending/repayments |
66,068
|
|
| Foreign exchange and others |
48,544
|
|
| Assets written off |
(3,569)
|
|
| Balance at 31 Dec |
1,740,456
|
1,629,501
|
| Gross carrying amount | – stage 1 | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
1,489,687
|
|
| Transfers of financial instruments: |
(28,196)
|
|
| Net new and further lending/repayments |
107,733
|
|
| Foreign exchange and others |
42,772
|
|
| Balance at 31 Dec |
1,611,996
|
1,489,687
|
| Gross carrying amount | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
115,898
|
|
| Transfers of financial instruments: |
18,327
|
|
| Net new and further lending/repayments |
(35,843)
|
|
| Foreign exchange and others |
4,507
|
|
| Balance at 31 Dec |
102,889
|
115,898
|
| Gross carrying amount | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
23,823
|
|
| Transfers of financial instruments: |
9,869
|
|
| Net new and further lending/repayments |
(6,060)
|
|
| Foreign exchange and others |
1,259
|
|
| Assets written off |
(3,569)
|
|
| Balance at 31 Dec |
25,234
|
23,823
|
| Gross carrying amount | Lifetime expected credit losses | – POCI | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
93
|
|
| Net new and further lending/repayments |
238
|
|
| Foreign exchange and others |
6
|
|
| Balance at 31 Dec |
337
|
93
|
| Allowance for ECL |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(4,618)
|
|
| Balance at 31 Dec |
(4,593)
|
(4,618)
|
| ECL income statement change for the period |
(4,900)
|
(4,800)
|
| Allowance for ECL | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(10,105)
|
|
| Net remeasurement of ECL arising from transfer of stage |
2
|
|
| Net new and further lending/repayments |
1,206
|
|
| Changes to risk parameters – credit quality |
(5,362)
|
|
| Changes to models used for ECL calculation |
197
|
|
| Foreign exchange and others |
(581)
|
|
| Assets written off |
3,569
|
|
| Balance at 31 Dec |
(11,065)
|
(10,105)
|
| ECL income statement change for the period |
3,957
|
|
| Recoveries |
320
|
|
| Others |
248
|
|
| Increase (decrease) in ECL |
(3,885)
|
|
| Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(1,232)
|
|
| Transfers of financial instruments: |
(931)
|
|
| Net remeasurement of ECL arising from transfer of stage |
664
|
|
| Net new and further lending/repayments |
(178)
|
|
| Changes to risk parameters – credit quality |
390
|
|
| Changes to models used for ECL calculation |
(59)
|
|
| Foreign exchange and others |
(16)
|
|
| Balance at 31 Dec |
(1,362)
|
(1,232)
|
| ECL income statement change for the period |
(817)
|
|
| Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(2,674)
|
|
| Transfers of financial instruments: |
2,101
|
|
| Net remeasurement of ECL arising from transfer of stage |
(604)
|
|
| Net new and further lending/repayments |
614
|
|
| Changes to risk parameters – credit quality |
(1,991)
|
|
| Changes to models used for ECL calculation |
272
|
|
| Foreign exchange and others |
(152)
|
|
| Balance at 31 Dec |
(2,434)
|
(2,674)
|
| ECL income statement change for the period |
1,709
|
|
| Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(6,148)
|
|
| Transfers of financial instruments: |
(1,170)
|
|
| Net remeasurement of ECL arising from transfer of stage |
(58)
|
|
| Net new and further lending/repayments |
768
|
|
| Changes to risk parameters – credit quality |
(3,737)
|
|
| Changes to models used for ECL calculation |
(16)
|
|
| Foreign exchange and others |
(410)
|
|
| Assets written off |
3,569
|
|
| Balance at 31 Dec |
(7,193)
|
(6,148)
|
| ECL income statement change for the period |
3,043
|
|
| Allowance for ECL | Lifetime expected credit losses | – POCI | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(51)
|
|
| Net new and further lending/repayments |
2
|
|
| Changes to risk parameters – credit quality |
(24)
|
|
| Foreign exchange and others |
(3)
|
|
| Balance at 31 Dec |
(76)
|
(51)
|
| ECL income statement change for the period |
22
|
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
701,907
|
705,638
|
| Changes due to modifications not derecognised |
0
|
(25)
|
| Net new and further lending/repayments |
32,290
|
21,104
|
| Foreign exchange and others |
15,949
|
(23,276)
|
| Assets written off |
(1,641)
|
(1,534)
|
| Balance at 31 Dec |
748,505
|
701,907
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
381,491
|
381,535
|
| Net new and further lending/repayments |
13,233
|
7,149
|
| Foreign exchange and others |
14,620
|
(7,130)
|
| Assets written off |
(63)
|
(63)
|
| Balance at 31 Dec |
409,281
|
381,491
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
160,415
|
160,289
|
| Changes due to modifications not derecognised |
0
|
(2)
|
| Net new and further lending/repayments |
4,848
|
8,481
|
| Foreign exchange and others |
4,288
|
(7,617)
|
| Assets written off |
(847)
|
(736)
|
| Balance at 31 Dec |
168,704
|
160,415
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
160,001
|
163,814
|
| Changes due to modifications not derecognised |
0
|
(23)
|
| Net new and further lending/repayments |
14,209
|
5,474
|
| Foreign exchange and others |
(2,959)
|
(8,529)
|
| Assets written off |
(731)
|
(735)
|
| Balance at 31 Dec |
170,520
|
160,001
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees | Assets held for sale |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Foreign exchange and others |
(2,700)
|
(800)
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees | Assets held for sale | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Foreign exchange and others |
(2,300)
|
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees | Assets held for sale | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Foreign exchange and others |
(400)
|
(300)
|
| Personal lending | Gross carrying amount | Loans and advances to customers, including loan commitments and financial guarantees | Assets held for sale | Other personal lending | Banking business in Canada |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Foreign exchange and others |
|
(4,400)
|
| Personal lending | Gross carrying amount | Loans and advances to banks and customers, including loan commitments and financial guarantees | Assets held for sale | Banking business in Canada |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Others |
|
6,400
|
| Personal lending | Gross carrying amount | Loans and advances to banks and customers, including loan commitments and financial guarantees | Assets held for sale | Argentina business |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Others |
|
2,400
|
| Personal lending | Gross carrying amount | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
656,651
|
650,823
|
| Transfers of financial instruments: |
7,203
|
(2,023)
|
| transfers from stage 1 to stage 2 |
41,104
|
45,220
|
| transfers from stage 2 to stage 1 |
48,706
|
43,549
|
| – transfers to stage 3 |
(663)
|
(743)
|
| Transfers out |
264
|
391
|
| Net new and further lending/repayments |
41,379
|
29,789
|
| Foreign exchange and others |
13,403
|
(21,938)
|
| Balance at 31 Dec |
718,636
|
656,651
|
| Personal lending | Gross carrying amount | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
344,676
|
340,764
|
| Transfers of financial instruments: |
10,647
|
(3,561)
|
| transfers from stage 1 to stage 2 |
29,872
|
33,524
|
| transfers from stage 2 to stage 1 |
40,658
|
30,113
|
| – transfers to stage 3 |
(289)
|
(290)
|
| Transfers out |
150
|
140
|
| Net new and further lending/repayments |
20,746
|
14,008
|
| Foreign exchange and others |
12,254
|
(6,535)
|
| Balance at 31 Dec |
388,323
|
344,676
|
| Personal lending | Gross carrying amount | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
156,312
|
153,292
|
| Transfers of financial instruments: |
(2,134)
|
796
|
| transfers from stage 1 to stage 2 |
7,206
|
6,427
|
| transfers from stage 2 to stage 1 |
5,138
|
7,255
|
| – transfers to stage 3 |
(122)
|
(179)
|
| Transfers out |
56
|
147
|
| Net new and further lending/repayments |
5,503
|
9,604
|
| Foreign exchange and others |
4,118
|
(7,380)
|
| Balance at 31 Dec |
163,799
|
156,312
|
| Personal lending | Gross carrying amount | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
155,663
|
156,767
|
| Transfers of financial instruments: |
(1,310)
|
742
|
| transfers from stage 1 to stage 2 |
4,026
|
5,269
|
| transfers from stage 2 to stage 1 |
2,910
|
6,181
|
| – transfers to stage 3 |
(252)
|
(274)
|
| Transfers out |
58
|
104
|
| Net new and further lending/repayments |
15,130
|
6,177
|
| Foreign exchange and others |
(2,969)
|
(8,023)
|
| Balance at 31 Dec |
166,514
|
155,663
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
41,610
|
50,955
|
| Transfers of financial instruments: |
(9,466)
|
(345)
|
| transfers from stage 1 to stage 2 |
41,104
|
45,220
|
| transfers from stage 2 to stage 1 |
48,706
|
43,549
|
| – transfers to stage 3 |
(2,655)
|
(2,715)
|
| Transfers out |
791
|
699
|
| Net new and further lending/repayments |
(8,622)
|
(7,889)
|
| Foreign exchange and others |
2,310
|
(1,111)
|
| Balance at 31 Dec |
25,832
|
41,610
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
34,341
|
38,513
|
| Transfers of financial instruments: |
(11,388)
|
2,694
|
| transfers from stage 1 to stage 2 |
29,872
|
33,524
|
| transfers from stage 2 to stage 1 |
40,658
|
30,113
|
| – transfers to stage 3 |
(1,146)
|
(1,127)
|
| Transfers out |
544
|
410
|
| Net new and further lending/repayments |
(6,856)
|
(6,336)
|
| Foreign exchange and others |
2,190
|
(530)
|
| Balance at 31 Dec |
18,287
|
34,341
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
3,760
|
6,547
|
| Transfers of financial instruments: |
1,322
|
(1,469)
|
| transfers from stage 1 to stage 2 |
7,206
|
6,427
|
| transfers from stage 2 to stage 1 |
5,138
|
7,255
|
| – transfers to stage 3 |
(828)
|
(765)
|
| Transfers out |
82
|
124
|
| Net new and further lending/repayments |
(758)
|
(1,122)
|
| Foreign exchange and others |
147
|
(196)
|
| Balance at 31 Dec |
4,471
|
3,760
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
3,509
|
5,895
|
| Transfers of financial instruments: |
600
|
(1,570)
|
| transfers from stage 1 to stage 2 |
4,026
|
5,269
|
| transfers from stage 2 to stage 1 |
2,910
|
6,181
|
| – transfers to stage 3 |
(681)
|
(823)
|
| Transfers out |
165
|
165
|
| Net new and further lending/repayments |
(1,008)
|
(431)
|
| Foreign exchange and others |
(27)
|
(385)
|
| Balance at 31 Dec |
3,074
|
3,509
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
3,646
|
3,860
|
| Transfers of financial instruments: |
2,263
|
2,368
|
| – transfers to stage 3 |
(3,318)
|
(3,458)
|
| Transfers out |
1,055
|
1,090
|
| Changes due to modifications not derecognised |
0
|
(25)
|
| Net new and further lending/repayments |
(467)
|
(796)
|
| Foreign exchange and others |
236
|
(227)
|
| Assets written off |
(1,641)
|
(1,534)
|
| Balance at 31 Dec |
4,037
|
3,646
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
2,474
|
2,258
|
| Transfers of financial instruments: |
741
|
867
|
| – transfers to stage 3 |
(1,435)
|
(1,417)
|
| Transfers out |
694
|
550
|
| Net new and further lending/repayments |
(657)
|
(523)
|
| Foreign exchange and others |
176
|
(65)
|
| Assets written off |
(63)
|
(63)
|
| Balance at 31 Dec |
2,671
|
2,474
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
343
|
450
|
| Transfers of financial instruments: |
812
|
673
|
| – transfers to stage 3 |
(950)
|
(944)
|
| Transfers out |
138
|
271
|
| Changes due to modifications not derecognised |
0
|
(2)
|
| Net new and further lending/repayments |
103
|
(1)
|
| Foreign exchange and others |
23
|
(41)
|
| Assets written off |
(847)
|
(736)
|
| Balance at 31 Dec |
434
|
343
|
| Personal lending | Gross carrying amount | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
829
|
1,152
|
| Transfers of financial instruments: |
710
|
828
|
| – transfers to stage 3 |
(933)
|
(1,097)
|
| Transfers out |
223
|
269
|
| Changes due to modifications not derecognised |
0
|
(23)
|
| Net new and further lending/repayments |
87
|
(272)
|
| Foreign exchange and others |
37
|
(121)
|
| Assets written off |
(731)
|
(735)
|
| Balance at 31 Dec |
932
|
829
|
| Personal lending | Allowance for ECL | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(2,546)
|
(2,892)
|
| Net remeasurement of ECL arising from transfer of stage |
24
|
8
|
| Net new and further lending/repayments |
381
|
731
|
| Changes to risk parameters – credit quality |
(2,097)
|
(2,060)
|
| Changes to models used for ECL calculation |
(50)
|
(100)
|
| Foreign exchange and others |
(178)
|
233
|
| Assets written off |
1,641
|
1,534
|
| Balance at 31 Dec |
(2,825)
|
(2,546)
|
| ECL income statement change for the period |
1,742
|
1,421
|
| Recoveries |
243
|
220
|
| Others |
(19)
|
32
|
| Increase (decrease) in ECL |
(1,480)
|
(1,233)
|
| Personal lending | Allowance for ECL | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(473)
|
(575)
|
| Net remeasurement of ECL arising from transfer of stage |
20
|
(19)
|
| Net new and further lending/repayments |
53
|
79
|
| Changes to risk parameters – credit quality |
(108)
|
(61)
|
| Changes to models used for ECL calculation |
1
|
22
|
| Foreign exchange and others |
(36)
|
18
|
| Assets written off |
63
|
63
|
| Balance at 31 Dec |
(480)
|
(473)
|
| ECL income statement change for the period |
34
|
(21)
|
| Recoveries |
6
|
7
|
| Others |
(4)
|
1
|
| Increase (decrease) in ECL |
(24)
|
27
|
| Personal lending | Allowance for ECL | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(1,137)
|
(1,095)
|
| Net remeasurement of ECL arising from transfer of stage |
5
|
(21)
|
| Net new and further lending/repayments |
203
|
339
|
| Changes to risk parameters – credit quality |
(1,118)
|
(1,091)
|
| Changes to models used for ECL calculation |
(51)
|
(99)
|
| Foreign exchange and others |
(71)
|
94
|
| Assets written off |
847
|
736
|
| Balance at 31 Dec |
(1,322)
|
(1,137)
|
| ECL income statement change for the period |
961
|
872
|
| Recoveries |
123
|
106
|
| Others |
5
|
10
|
| Increase (decrease) in ECL |
(843)
|
(776)
|
| Personal lending | Allowance for ECL | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(936)
|
(1,222)
|
| Net remeasurement of ECL arising from transfer of stage |
(1)
|
|
| Net new and further lending/repayments |
125
|
313
|
| Changes to risk parameters – credit quality |
(871)
|
(908)
|
| Changes to models used for ECL calculation |
0
|
(23)
|
| Foreign exchange and others |
(71)
|
121
|
| Assets written off |
731
|
735
|
| Balance at 31 Dec |
(1,023)
|
(936)
|
| ECL income statement change for the period |
747
|
570
|
| Recoveries |
114
|
107
|
| Others |
(20)
|
21
|
| Increase (decrease) in ECL |
(613)
|
(484)
|
| Personal lending | Allowance for ECL | Loans and advances to customers, including loan commitments and financial guarantees | Assets held for sale |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Foreign exchange and others |
16
|
23
|
| Personal lending | Allowance for ECL | Loans and advances to customers, including loan commitments and financial guarantees | Assets held for sale | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Foreign exchange and others |
2
|
|
| Personal lending | Allowance for ECL | Loans and advances to banks and customers, including loan commitments and financial guarantees | Assets held for sale | Banking business in Canada |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Others |
|
(1)
|
| Personal lending | Allowance for ECL | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Net remeasurement of ECL arising from transfer of stage |
|
48
|
| Personal lending | Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(587)
|
(602)
|
| Transfers of financial instruments: |
(664)
|
(1,045)
|
| transfers from stage 1 to stage 2 |
(225)
|
(246)
|
| transfers from stage 2 to stage 1 |
(861)
|
(1,247)
|
| – transfers to stage 3 |
11
|
9
|
| Transfers out |
(39)
|
(53)
|
| Net remeasurement of ECL arising from transfer of stage |
411
|
745
|
| Net new and further lending/repayments |
(7)
|
(17)
|
| Changes to risk parameters – credit quality |
209
|
251
|
| Changes to models used for ECL calculation |
(29)
|
29
|
| Foreign exchange and others |
(23)
|
52
|
| Balance at 31 Dec |
(690)
|
(587)
|
| ECL income statement change for the period |
(584)
|
(1,008)
|
| Personal lending | Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(58)
|
(109)
|
| Transfers of financial instruments: |
(89)
|
(232)
|
| transfers from stage 1 to stage 2 |
(9)
|
(23)
|
| transfers from stage 2 to stage 1 |
(84)
|
(244)
|
| – transfers to stage 3 |
0
|
6
|
| Transfers out |
(14)
|
(17)
|
| Net remeasurement of ECL arising from transfer of stage |
52
|
163
|
| Net new and further lending/repayments |
(4)
|
20
|
| Changes to risk parameters – credit quality |
39
|
115
|
| Changes to models used for ECL calculation |
5
|
(8)
|
| Foreign exchange and others |
(5)
|
(7)
|
| Balance at 31 Dec |
(60)
|
(58)
|
| ECL income statement change for the period |
(92)
|
(290)
|
| Personal lending | Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(280)
|
(253)
|
| Transfers of financial instruments: |
(381)
|
(453)
|
| transfers from stage 1 to stage 2 |
(144)
|
(129)
|
| transfers from stage 2 to stage 1 |
(518)
|
(569)
|
| – transfers to stage 3 |
3
|
2
|
| Transfers out |
(10)
|
(15)
|
| Net remeasurement of ECL arising from transfer of stage |
255
|
280
|
| Net new and further lending/repayments |
61
|
18
|
| Changes to risk parameters – credit quality |
39
|
79
|
| Changes to models used for ECL calculation |
(34)
|
22
|
| Foreign exchange and others |
(14)
|
27
|
| Balance at 31 Dec |
(354)
|
(280)
|
| ECL income statement change for the period |
(321)
|
(399)
|
| Personal lending | Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(249)
|
(240)
|
| Transfers of financial instruments: |
(194)
|
(360)
|
| transfers from stage 1 to stage 2 |
(72)
|
(94)
|
| transfers from stage 2 to stage 1 |
(259)
|
(434)
|
| – transfers to stage 3 |
8
|
1
|
| Transfers out |
(15)
|
(21)
|
| Net remeasurement of ECL arising from transfer of stage |
104
|
302
|
| Net new and further lending/repayments |
(64)
|
(55)
|
| Changes to risk parameters – credit quality |
131
|
57
|
| Changes to models used for ECL calculation |
0
|
15
|
| Foreign exchange and others |
(4)
|
32
|
| Balance at 31 Dec |
(276)
|
(249)
|
| ECL income statement change for the period |
(171)
|
(319)
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(1,158)
|
(1,434)
|
| Transfers of financial instruments: |
1,242
|
1,477
|
| transfers from stage 1 to stage 2 |
(225)
|
(246)
|
| transfers from stage 2 to stage 1 |
(861)
|
(1,247)
|
| – transfers to stage 3 |
756
|
685
|
| Transfers out |
(150)
|
(209)
|
| Net remeasurement of ECL arising from transfer of stage |
(378)
|
(605)
|
| Net new and further lending/repayments |
310
|
278
|
| Changes to risk parameters – credit quality |
(1,165)
|
(874)
|
| Changes to models used for ECL calculation |
(5)
|
(109)
|
| Foreign exchange and others |
(86)
|
109
|
| Balance at 31 Dec |
(1,240)
|
(1,158)
|
| ECL income statement change for the period |
1,238
|
1,310
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(130)
|
(202)
|
| Transfers of financial instruments: |
82
|
232
|
| transfers from stage 1 to stage 2 |
(9)
|
(23)
|
| transfers from stage 2 to stage 1 |
(84)
|
(244)
|
| – transfers to stage 3 |
50
|
90
|
| Transfers out |
(43)
|
(79)
|
| Net remeasurement of ECL arising from transfer of stage |
(31)
|
(152)
|
| Net new and further lending/repayments |
29
|
26
|
| Changes to risk parameters – credit quality |
(43)
|
(73)
|
| Changes to models used for ECL calculation |
(4)
|
29
|
| Foreign exchange and others |
(11)
|
10
|
| Balance at 31 Dec |
(108)
|
(130)
|
| ECL income statement change for the period |
49
|
170
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(658)
|
(698)
|
| Transfers of financial instruments: |
742
|
717
|
| transfers from stage 1 to stage 2 |
(144)
|
(129)
|
| transfers from stage 2 to stage 1 |
(518)
|
(569)
|
| – transfers to stage 3 |
408
|
327
|
| Transfers out |
(40)
|
(50)
|
| Net remeasurement of ECL arising from transfer of stage |
(246)
|
(256)
|
| Net new and further lending/repayments |
108
|
127
|
| Changes to risk parameters – credit quality |
(640)
|
(476)
|
| Changes to models used for ECL calculation |
0
|
(122)
|
| Foreign exchange and others |
(43)
|
50
|
| Balance at 31 Dec |
(737)
|
(658)
|
| ECL income statement change for the period |
778
|
727
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(370)
|
(534)
|
| Transfers of financial instruments: |
418
|
528
|
| transfers from stage 1 to stage 2 |
(72)
|
(94)
|
| transfers from stage 2 to stage 1 |
(259)
|
(434)
|
| – transfers to stage 3 |
298
|
268
|
| Transfers out |
(67)
|
(80)
|
| Net remeasurement of ECL arising from transfer of stage |
(101)
|
(197)
|
| Net new and further lending/repayments |
173
|
125
|
| Changes to risk parameters – credit quality |
(482)
|
(325)
|
| Changes to models used for ECL calculation |
(1)
|
(16)
|
| Foreign exchange and others |
(32)
|
49
|
| Balance at 31 Dec |
(395)
|
(370)
|
| ECL income statement change for the period |
411
|
413
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(801)
|
(856)
|
| Transfers of financial instruments: |
(578)
|
(432)
|
| – transfers to stage 3 |
767
|
694
|
| Transfers out |
(189)
|
(262)
|
| Net remeasurement of ECL arising from transfer of stage |
(9)
|
(132)
|
| Net new and further lending/repayments |
78
|
470
|
| Changes to risk parameters – credit quality |
(1,141)
|
(1,437)
|
| Changes to models used for ECL calculation |
(16)
|
(20)
|
| Foreign exchange and others |
(69)
|
72
|
| Assets written off |
1,641
|
1,534
|
| Balance at 31 Dec |
(895)
|
(801)
|
| ECL income statement change for the period |
1,088
|
1,119
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | First lien residential mortgages |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(285)
|
(264)
|
| Transfers of financial instruments: |
7
|
0
|
| – transfers to stage 3 |
50
|
96
|
| Transfers out |
(57)
|
(96)
|
| Net remeasurement of ECL arising from transfer of stage |
(1)
|
(30)
|
| Net new and further lending/repayments |
28
|
33
|
| Changes to risk parameters – credit quality |
(104)
|
(103)
|
| Changes to models used for ECL calculation |
0
|
1
|
| Foreign exchange and others |
(20)
|
15
|
| Assets written off |
63
|
63
|
| Balance at 31 Dec |
(312)
|
(285)
|
| ECL income statement change for the period |
77
|
99
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Credit cards |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(199)
|
(144)
|
| Transfers of financial instruments: |
(361)
|
(264)
|
| – transfers to stage 3 |
411
|
329
|
| Transfers out |
(50)
|
(65)
|
| Net remeasurement of ECL arising from transfer of stage |
(4)
|
(45)
|
| Net new and further lending/repayments |
34
|
194
|
| Changes to risk parameters – credit quality |
(517)
|
(694)
|
| Changes to models used for ECL calculation |
(17)
|
1
|
| Foreign exchange and others |
(14)
|
17
|
| Assets written off |
847
|
736
|
| Balance at 31 Dec |
(231)
|
(199)
|
| ECL income statement change for the period |
504
|
544
|
| Personal lending | Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to customers, including loan commitments and financial guarantees | Other personal lending |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(317)
|
(448)
|
| Transfers of financial instruments: |
(224)
|
(168)
|
| – transfers to stage 3 |
306
|
269
|
| Transfers out |
(82)
|
(101)
|
| Net remeasurement of ECL arising from transfer of stage |
(4)
|
(57)
|
| Net new and further lending/repayments |
16
|
243
|
| Changes to risk parameters – credit quality |
(520)
|
(640)
|
| Changes to models used for ECL calculation |
1
|
(22)
|
| Foreign exchange and others |
(35)
|
40
|
| Assets written off |
731
|
735
|
| Balance at 31 Dec |
(352)
|
(317)
|
| ECL income statement change for the period |
507
|
476
|
| Wholesale | Commercial real estate loans and advances including loan commitments |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
7,259
|
|
| Balance at 31 Dec |
5,802
|
7,259
|
| Wholesale | Commercial real estate loans and advances including loan commitments | Hong Kong |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
3,241
|
|
| Balance at 31 Dec |
2,184
|
3,241
|
| Wholesale | – stage 1 | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| transfers from stage 1 to stage 2 |
34,688
|
|
| Wholesale | – stage 1 | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees | Mexico |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| transfers from stage 1 to stage 2 |
1,069
|
|
| Wholesale | Gross carrying amount | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
927,594
|
965,135
|
| Net new and further lending/repayments |
33,778
|
23,759
|
| Foreign exchange and others |
32,595
|
(58,375)
|
| Assets written off |
(1,928)
|
(2,925)
|
| Balance at 31 Dec |
991,951
|
927,594
|
| Wholesale | Gross carrying amount | – stage 1 | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
833,036
|
845,982
|
| Transfers of financial instruments: |
(35,399)
|
(17,606)
|
| transfers from stage 1 to stage 2 |
93,205
|
70,991
|
| transfers from stage 2 to stage 1 |
58,517
|
55,182
|
| – transfers to stage 3 |
(1,210)
|
(2,056)
|
| Transfers out |
499
|
259
|
| Net new and further lending/repayments |
66,354
|
58,044
|
| Foreign exchange and others |
29,369
|
(53,384)
|
| Balance at 31 Dec |
893,360
|
833,036
|
| Wholesale | Gross carrying amount | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
74,288
|
102,129
|
| Transfers of financial instruments: |
27,793
|
6,997
|
| transfers from stage 1 to stage 2 |
93,205
|
70,991
|
| transfers from stage 2 to stage 1 |
58,517
|
55,182
|
| – transfers to stage 3 |
(7,605)
|
(9,515)
|
| Transfers out |
710
|
703
|
| Net new and further lending/repayments |
(27,221)
|
(29,842)
|
| Foreign exchange and others |
2,197
|
(4,996)
|
| Balance at 31 Dec |
77,057
|
74,288
|
| Wholesale | Gross carrying amount | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
20,177
|
16,939
|
| Transfers of financial instruments: |
7,606
|
10,609
|
| – transfers to stage 3 |
(8,815)
|
(11,571)
|
| Transfers out |
1,209
|
962
|
| Net new and further lending/repayments |
(5,593)
|
(4,450)
|
| Foreign exchange and others |
1,023
|
4
|
| Assets written off |
(1,928)
|
(2,925)
|
| Balance at 31 Dec |
21,197
|
20,177
|
| Wholesale | Gross carrying amount | Lifetime expected credit losses | – POCI | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
93
|
85
|
| Net new and further lending/repayments |
238
|
7
|
| Foreign exchange and others |
6
|
1
|
| Assets written off |
0
|
0
|
| Balance at 31 Dec |
337
|
93
|
| Wholesale | Allowance for ECL | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(7,559)
|
(8,603)
|
| Net remeasurement of ECL arising from transfer of stage |
(22)
|
(24)
|
| Net new and further lending/repayments |
825
|
1,372
|
| Changes to risk parameters – credit quality |
(3,265)
|
(3,306)
|
| Changes to models used for ECL calculation |
247
|
144
|
| Foreign exchange and others |
(403)
|
(67)
|
| Assets written off |
1,928
|
2,925
|
| Balance at 31 Dec |
(8,240)
|
(7,559)
|
| ECL income statement change for the period |
2,215
|
1,814
|
| Recoveries |
77
|
40
|
| Others |
267
|
126
|
| Increase (decrease) in ECL |
(2,405)
|
(1,900)
|
| Wholesale | Allowance for ECL | Loans and advances to banks and customers, including loan commitments and financial guarantees | Argentina business |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Foreign exchange and others |
|
300
|
| Wholesale | Allowance for ECL | Commercial real estate loans and advances including loan commitments |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(1,158)
|
|
| Balance at 31 Dec |
(1,018)
|
(1,158)
|
| Wholesale | Allowance for ECL | Commercial real estate loans and advances including loan commitments | Hong Kong |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(1,010)
|
|
| Balance at 31 Dec |
(808)
|
(1,010)
|
| Wholesale | Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(645)
|
(698)
|
| Transfers of financial instruments: |
(267)
|
(214)
|
| transfers from stage 1 to stage 2 |
(143)
|
(173)
|
| transfers from stage 2 to stage 1 |
(372)
|
(380)
|
| – transfers to stage 3 |
4
|
7
|
| Transfers out |
(42)
|
(14)
|
| Net remeasurement of ECL arising from transfer of stage |
253
|
214
|
| Net new and further lending/repayments |
(171)
|
(151)
|
| Changes to risk parameters – credit quality |
181
|
112
|
| Changes to models used for ECL calculation |
(30)
|
39
|
| Foreign exchange and others |
7
|
53
|
| Balance at 31 Dec |
(672)
|
(645)
|
| ECL income statement change for the period |
(233)
|
(214)
|
| Wholesale | Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Commercial real estate loans and advances including loan commitments |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(9)
|
|
| Balance at 31 Dec |
(4)
|
(9)
|
| Wholesale | Allowance for ECL | – stage 1 | Financial instruments not credit-impaired | Commercial real estate loans and advances including loan commitments | Hong Kong |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
0
|
|
| Balance at 31 Dec |
0
|
0
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(1,516)
|
(1,668)
|
| Transfers of financial instruments: |
859
|
825
|
| transfers from stage 1 to stage 2 |
(143)
|
(173)
|
| transfers from stage 2 to stage 1 |
(372)
|
(380)
|
| – transfers to stage 3 |
678
|
636
|
| Transfers out |
(48)
|
(18)
|
| Net remeasurement of ECL arising from transfer of stage |
(226)
|
(226)
|
| Net new and further lending/repayments |
304
|
|
| Changes to risk parameters – credit quality |
(826)
|
(899)
|
| Changes to models used for ECL calculation |
277
|
105
|
| Foreign exchange and others |
(66)
|
36
|
| Balance at 31 Dec |
(1,194)
|
(1,516)
|
| ECL income statement change for the period |
471
|
709
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Commercial real estate loans and advances including loan commitments |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(319)
|
|
| Balance at 31 Dec |
(116)
|
(319)
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | Financial instruments not credit-impaired | Commercial real estate loans and advances including loan commitments | Hong Kong |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(261)
|
|
| Balance at 31 Dec |
(9)
|
(261)
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(5,347)
|
(6,207)
|
| Transfers of financial instruments: |
(592)
|
(611)
|
| – transfers to stage 3 |
682
|
643
|
| Transfers out |
(90)
|
(32)
|
| Net remeasurement of ECL arising from transfer of stage |
(49)
|
(12)
|
| Net new and further lending/repayments |
690
|
1,219
|
| Changes to risk parameters – credit quality |
(2,596)
|
(2,508)
|
| Foreign exchange and others |
(341)
|
(153)
|
| Assets written off |
1,928
|
2,925
|
| Balance at 31 Dec |
(6,298)
|
(5,347)
|
| ECL income statement change for the period |
1,955
|
1,301
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Commercial real estate loans and advances including loan commitments |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(824)
|
|
| Balance at 31 Dec |
(882)
|
(824)
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | Financial instruments credit-impaired | Commercial real estate loans and advances including loan commitments | Hong Kong |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(743)
|
|
| Balance at 31 Dec |
(783)
|
(743)
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | – POCI | Loans and advances to banks and customers, including loan commitments and financial guarantees |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(51)
|
(30)
|
| Net new and further lending/repayments |
2
|
(7)
|
| Changes to risk parameters – credit quality |
(24)
|
(11)
|
| Foreign exchange and others |
(3)
|
(3)
|
| Assets written off |
0
|
0
|
| Balance at 31 Dec |
(76)
|
(51)
|
| ECL income statement change for the period |
22
|
18
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | – POCI | Commercial real estate loans and advances including loan commitments |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(6)
|
|
| Balance at 31 Dec |
(16)
|
(6)
|
| Wholesale | Allowance for ECL | Lifetime expected credit losses | – POCI | Commercial real estate loans and advances including loan commitments | Hong Kong |
|
|
| Increase (decrease) in financial assets [abstract] |
|
|
| Balance at 1 Jan |
(6)
|
|
| Balance at 31 Dec |
$ (16)
|
$ (6)
|