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Report Of The Directors Financial Review Risk Report
 6 Months Ended
Jun. 30, 2019
Report Of The Directors Financial Review Risk Report [Abstract]  
Report Of The Directors Financial Review Risk Report
Summary of financial instruments to which the impairment requirements in IFRS 9 are applied
 
 
At 30 Jun 2019
 At 31 Dec 2018
 
 
Gross carrying/nominal amount

Allowance for ECL1

Gross carrying/nominal amount

Allowance for ECL1

 
Footnotes
$m

$m

$m

$m

Loans and advances to customers at amortised cost
 
1,030,152

(8,520
)
990,321

(8,625
)
– personal
 
414,351

(2,972
)
394,337

(2,947
)
– corporate and commercial
 
546,427

(5,381
)
534,577

(5,552
)
– non-bank financial institutions
 
69,374

(167
)
61,407

(126
)
Loans and advances to banks at amortised cost
 
82,413

(16
)
72,180

(13
)
Other financial assets measured at amortised cost
 
653,554

(85
)
582,917

(55
)
– cash and balances at central banks
 
171,091

(1
)
162,845

(2
)
– items in the course of collection from other banks
 
8,673

—

5,787

—

– Hong Kong Government certificates of indebtedness
 
36,492

—

35,859

—

– reverse repurchase agreements – non-trading
 
233,079

—

242,804

—

– financial investments
 
81,234

(20
)
62,684

(18
)
– prepayments, accrued income and other assets

2
122,985

(64
)
72,938

(35
)
Total gross carrying amount on-balance sheet
 
1,766,119

(8,621
)
1,645,418

(8,693
)
Loans and other credit related commitments
 
629,891

(301
)
592,008

(325
)
– personal
 
217,047

(16
)
207,351

(13
)
– corporate and commercial
 
268,057

(277
)
271,022

(305
)
– financial
 
144,787

(8
)
113,635

(7
)
Financial guarantees
 
21,290

(55
)
23,518

(93
)
– personal
 
906

(1
)
927

(1
)
– corporate and commercial
 
15,496

(51
)
17,355

(85
)
– financial
 
4,888

(3
)
5,236

(7
)
Total nominal amount off-balance sheet
3
651,181

(356
)
615,526

(418
)
 
 
2,417,300

(8,977
)
2,260.944

(9,111
)
 
 
 
 
 
 
 
 
Fair value

Memorandum allowance for ECL4

Fair value

Memorandum allowance for
ECL4

 
 
$m

$m

$m

$m

Debt instruments measured at fair value through other comprehensive income

 
345,035

(74
)
343,110

(84
)

For footnotes, see page 79.
Summary of credit risk (excluding debt instruments measured at FVOCI) by stage distribution and ECL coverage by industry sector at
30 June 2019
 
Gross carrying/nominal amount3
 
Allowance for ECL
 
ECL coverage %
 
 
Stage 1

Stage 2

Stage 3

POCI5

Total

Stage 1

Stage 2

Stage 3

POCI5

Total

Stage 1
Stage 2
Stage 3
POCI5
Total
 
$m

$m

$m

$m

$m

$m

$m

$m

$m

$m

%
%
%
%
%

Loans and advances to customers at amortised cost
955,520

61,297

13,010

325

1,030,152

(1,329
)
(2,062
)
(4,969
)
(160
)
(8,520
)
0.1
3.4
38.2
49.2
0.8
–
personal
394,533

15,114

4,704

—

414,351

(563
)
(1,242
)
(1,167
)
—

(2,972
)
0.1
8.2
24.8
—
0.7
–
corporate and commercial
493,523

44,560

8,019

325

546,427

(707
)
(802
)
(3,712
)
(160
)
(5,381
)
0.1
1.8
46.3
49.2
1.0
–
non-bank financial institutions
67,464

1,623

287

—

69,374

(59
)
(18
)
(90
)
—

(167
)
0.1
1.1
31.4
—
0.2
Loans and advances to banks at amortised cost
81,957

456

—

—

82,413

(14
)
(2
)
—

—

(16
)
—
0.4
—
—
—
Other financial assets measured at amortised cost
651,513

1,890

149

2

653,554

(32
)
(10
)
(43
)
—

(85
)
—
0.5
28.9
—
—
Loans and other credit-related commitments
607,086

21,982

818

5

629,891

(141
)
(112
)
(48
)
—

(301
)
—
0.5
5.9
—
—
–
personal
214,400

2,283

364

—

217,047

(14
)
(2
)
—

—

(16
)
—
0.1
—
—
—
–
corporate and commercial
249,318

18,282

452

5

268,057

(121
)
(108
)
(48
)
—

(277
)
—
0.6
10.6
—
0.1
–
financial
143,368

1,417

2

—

144,787

(6
)
(2
)
—

—

(8
)
—
0.1
—
—
—
Financial guarantees
18,676

2,423

188

3

21,290

(20
)
(25
)
(10
)
—

(55
)
0.1
1.0
5.3
—
0.3
–
personal
901

4

1

—

906

(1
)
—

—

—

(1
)
0.1
—
—
—
0.1
–
corporate and commercial
13,155

2,155

183

3

15,496

(18
)
(24
)
(9
)
—

(51
)
0.1
1.1
4.9
—
0.3
–
financial
4,620

264

4

—

4,888

(1
)
(1
)
(1
)
—

(3
)
—
0.4
25.0
—
0.1
At 30 Jun 2019
2,314,752

88,048

14,165

335

2,417,300

(1,536
)
(2,211
)
(5,070
)
(160
)
(8,977
)
0.1
2.5
35.8
47.8
0.4
Stage 2 days past due analysis at 30 June 2019
 
Gross carrying amount
Allowance for ECL
ECL coverage %
 
 
Of which:

Of which:

 
Of which:

Of which:

 
Of which:
Of which:
 
Stage 2

1 to 29 DPD6

30 and > DPD6

Stage 2

1 to 29 DPD6

30 and > DPD6

Stage 2
1 to 29 DPD6
30 and > DPD6
 
$m

$m

$m

$m

$m

$m

%
%
%
Loans and advances to customers at amortised cost
61,297

2,572

1,584

(2,062
)
(195
)
(218
)
3.4
7.6
13.8
–
personal
15,114

1,798

1,160

(1,242
)
(168
)
(197
)
8.2
9.3
17.0
–
corporate and commercial
44,560

773

417

(802
)
(27
)
(21
)
1.8
3.5
5.0
–
non-bank financial institutions
1,623

1

7

(18
)
—

—

1.1
—
—
Loans and advances to banks at amortised cost
456

—

—

(2
)
—

—

0.4
—
—
Other financial assets measured at amortised cost
1,890

12

34

(10
)
—

—

0.5
—
—
For footnotes, see page 79.
Summary of credit risk (excluding debt instruments measured at FVOCI) by stage distribution and ECL coverage by industry sector at
31 December 2018
 
Gross carrying/nominal amount3
 
Allowance for ECL
 
ECL coverage %
 
 
Stage 1

Stage 2

Stage 3

POCI5

Total

Stage 1

Stage 2

Stage 3

POCI5

Total

Stage 1
Stage 2
Stage 3
POCI5
Total
 
$m

$m

$m

$m

$m

$m

$m

$m

$m

$m

%
%
%
%
%
Loans and advances to customers at amortised cost
915,188

61,786

13,023

324

990,321

(1,276
)
(2,108
)
(5,047
)
(194
)
(8,625
)
0.1
3.4
38.8
59.9
0.9
–
personal
374,681

15,075

4,581

—

394,337

(534
)
(1,265
)
(1,148
)
—

(2,947
)
0.1
8.4
25.1
—
0.7
–
corporate and commercial
481,262

44,779

8,212

324

534,577

(698
)
(812
)
(3,848
)
(194
)
(5,552
)
0.1
1.8
46.9
59.9
1.0
–
non-bank financial institutions
59,245

1,932

230

—

61,407

(44
)
(31
)
(51
)
—

(126
)
0.1
1.6
22.2
—
0.2
Loans and advances to banks at amortised cost
71,873

307

—

—

72,180

(11
)
(2
)
—

—

(13
)
—
0.7
—
—
—
Other financial assets
measured at amortised cost
581,118

1,673

126

—

582,917

(27
)
(6
)
(22
)
—

(55
)
—
0.4
17.5
—
—
Loans and other credit-related commitments
569,250

21,839

912

7

592,008

(143
)
(139
)
(43
)
—

(325
)
—
0.6
4.7
—
0.1
–
personal
205,183

1,760

408

—

207,351

(12
)
(1
)
—

—

(13
)
—
0.1
—
—
—
–
corporate and commercial
251,478

19,034

503

7

271,022

(126
)
(136
)
(43
)
—

(305
)
0.1
0.7
8.5
—
0.1
–
financial
112,589

1,045

1

—

113,635

(5
)
(2
)
—

—

(7
)
—
0.2
—
—
—
Financial guarantees
20,884

2,334

297

3

23,518

(19
)
(29
)
(45
)
—

(93
)
0.1
1.2
15.2
—
0.4
–
personal
920

3

4

—

927

(1
)
—

—

—

(1
)
0.1
—
—
—
0.1
–
corporate and commercial
15,011

2,053

288

3

17,355

(16
)
(25
)
(44
)
—

(85
)
0.1
1.2
15.3
—
0.5
–
financial
4,953

278

5

—

5,236

(2
)
(4
)
(1
)
—

(7
)
—
1.4
20.0
—
0.1
At 31 Dec 2018
2,158,313

87,939

14,358

334

2,260,944

(1,476
)
(2,284
)
(5,157
)
(194
)
(9,111
)
0.1
2.6
35.9
58.1
0.4
Stage 2 days past due analysis at 31 December 2018
 
Gross carrying amount

Allowance for ECL

ECL coverage %

 
Stage 2

Of which:

Of which:

Stage 2

Of which:

Of which:

Stage 2
Of which:
Of which:
 
 
1 to 29
DPD6

30 and > DPD6

 
1 to 29
DPD6

30 and > DPD6

 
1 to 29
DPD6
30 and > DPD6
 
$m

$m

$m

$m

$m

$m

%
%
%
Loans and advances to customers at amortised cost
61,786

2,554

1,914

(2,108
)
(204
)
(254
)
3.4
8.0
13.3
–
personal
15,075

1,807

1,383

(1,265
)
(165
)
(220
)
8.4
9.1
15.9
–
corporate and commercial
44,779

737

485

(812
)
(39
)
(34
)
1.8
5.3
7.0
–
non-bank financial institutions
1,932

10

46

(31
)
—

—

1.6
—
—
Loans and advances to banks at amortised cost
307

—

—

(2
)
—

—

0.7
—
—
Other financial assets measured at amortised cost
1,673

10

26

(6
)
—

—

0.4
—
—
For footnotes, see page 79.
Reconciliation of changes in gross carrying/nominal amount and allowances for loans and advances to banks and customers including
loan commitments and financial guarantees
 
Non-credit impaired
Credit impaired
 
 
Stage 1
Stage 2
Stage 3
POCI
Total
 
Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

 
$m

$m

$m

$m

$m

$m

$m

$m

$m

$m

At 1 Jan 2019
1,511,839

(1,449
)
86,241

(2,278
)
14,232

(5,135
)
334

(194
)
1,612,646

(9,056
)
Transfers of financial instruments:
(11,425
)
(323
)
8,987

612

2,438

(289
)
—

—

—

—

– transfers from stage 1 to stage 2
(47,211
)
204

47,211

(204
)
—

—

—

—

—

—

– transfers from stage 2 to stage 1
36,137

(529
)
(36,137
)
529

—

—

—

—

—

—

– transfers to stage 3
(574
)
21

(2,542
)
335

3,116

(356
)
—

—

—

—

– transfers from stage 3
223

(19
)
455

(48
)
(678
)
67

—

—

—

—

Net remeasurement of ECL arising from transfer of stage
—

346

—

(352
)
—

(26
)
—

—

—

(32
)
New financial assets originated or purchased
250,306

(332
)
—

—

—

—

100

(22
)
250,406

(354
)
Asset derecognised (including final repayments)
(164,666
)
62

(9,844
)
226

(1,552
)
466

(19
)
9

(176,081
)
763

Changes to risk parameters – further lending/repayments
(23,759
)
137

(74
)
87

359

(192
)
(27
)
4

(23,501
)
36

Change in risk parameters – credit quality
—

42

—

(528
)
—

(1,259
)
—

(12
)
—

(1,757
)
Changes to models used for ECL calculation
—

4

—

31

—

3

—

—

—

38

Assets written off
—

—

—

—

(1,276
)
1,276

(54
)
54

(1,330
)
1,330

Credit-related modifications that resulted in derecognition
—

—

—

—

(211
)
111

—

—

(211
)
111

Foreign exchange
2,451

1

98

(1
)
(10
)
6

(2
)
1

2,537

7

Other
1,461

8

660

2

36

12

1

—

2,158

22

At 30 Jun 2019
1,566,207

(1,504
)
86,068

(2,201
)
14,016

(5,027
)
333

(160
)
1,666,624

(8,892
)
ECL income statement change for the period


259



(536
)


(1,008
)


(21
)


(1,306
)
Recoveries
 
 
 
 
 
 
 
 
 
201

Other
 
 
 
 
 
 
 
 
 
(31
)
Total ECL income statement change for the period
 
 
 
 
 
 
 
 
 
(1,136
)
 
At 30 Jun 2019
6 months ended 30 Jun 2019

 
Gross carrying/nominal amount

Allowance for ECL

ECL charge

 
$m

$m

$m

As above
1,666,624

(8,892
)
(1,136
)
Other financial assets measured at amortised cost
653,554

(85
)
(9
)
Non-trading reverse purchase agreement commitments
97,122

—

—

Summary of financial instruments to which the impairment requirements in IFRS 9 are applied/Summary consolidated income statement
2,417,300

(8,977
)
(1,145
)
Debt instruments measured at FVOCI
345,035

(74
)
5

Total allowance for ECL/total income statement ECL charge for the period
n/a

(9,051
)
(1,140
)
Reconciliation of changes in gross carrying/nominal amount and allowances for loans and advances to banks and customers including
loan commitments and financial guarantees7
 
Non-credit impaired
Credit impaired
 
 
Stage 1
Stage 2
Stage 3
POCI
Total
 
Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

Gross carrying/ nominal amount

Allowance for ECL

 
$m

$m

$m

$m

$m

$m

$m

$m

$m

$m

At 1 Jan 2018
1,446,857

(1,469
)
102,032

(2,406
)
15,083

(5,722
)
1,042

(242
)
1,565,014

(9,839
)
Transfers of financial instruments:
(8,747
)
(685
)
3,582

1,185

5,165

(500
)
—

—

—

—

– transfers from stage 1 to stage 2
(84,181
)
319

84,181

(319
)
—

—

—

—

—

—

– transfers from stage 2 to stage 1
77,325

(999
)
(77,325
)
999

—

—

—

—

—

—

– transfers to stage 3
(2,250
)
35

(4,439
)
607

6,689

(642
)
—

—

—

—

– transfers from stage 3
359

(40
)
1,165

(102
)
(1,524
)
142

—

—

—

—

Net remeasurement of ECL arising from transfer of stage
—

620

—

(605
)
—

(103
)
—

—

—

(88
)
Net new lending and further lending/repayments
126,868

(512
)
(16,162
)
564

(2,902
)
733

(587
)
42

107,217

827

Changes in risk parameters – credit quality
—

423

—

(1,087
)
—

(2,238
)
—

(51
)
—

(2,953
)
Changes to models used for ECL calculation
—

—

—

—

—

—

—

—

—

—

Assets written off
—

—

—

—

(2,568
)
2,552

(1
)
1

(2,569
)
2,553

Foreign exchange
(52,983
)
76

(2,863
)
99

(636
)
232

(26
)
6

(56,508
)
413

Other
(156
)
98

(348
)
(28
)
90

(89
)
(94
)
50

(508
)
31

At 31 Dec 2018
1,511,839

(1,449
)
86,241

(2,278
)
14,232

(5,135
)
334

(194
)
1,612,646

(9,056
)
ECL income statement change for the period


531



(1,128
)


(1,608
)


(9
)


(2,214
)
Recoveries


















408

Others


















(87
)
Total ECL income statement change for the period


















(1,893
)
 
At 31 Dec 2018
12 months ended
31 Dec 2018

 
Gross carrying/nominal amount

Allowance for ECL

ECL charge

 
$m

$m

$m

As above
1,612,646

(9,056
)
(1,893
)
Other financial assets measured at amortised cost
582,917

(55
)
21

Non-trading reverse purchase agreement commitments
65,381

—

—

Summary of financial instruments to which the impairment requirements in IFRS 9 are applied/Summary consolidated income statement
2,260,944

(9,111
)
(1,872
)
Debt instruments measured at FVOCI
343,110

(84
)
105

Total allowance for ECL/total income statement ECL charge for the period
n/a

(9,195
)
(1,767
)
For footnotes, see page 79.
Credit quality of financial instruments
We assess the credit quality of all financial instruments that are subject to credit risk. The credit quality of financial instruments is a point-in-time assessment of the probability of default (‘PD’), whereas stages 1 and 2 are determined based on relative deterioration of credit quality since initial recognition. Accordingly, for non-credit-impaired financial instruments, there is no direct relationship between the credit quality assessment and stages 1 and 2, though typically the lower credit quality bands exhibit a higher proportion in stage 2.
The five credit quality classifications each encompass a range of granular internal credit rating grades assigned to wholesale and personal lending businesses and the external ratings attributed by external agencies to debt securities, as shown in the following table. Personal lending credit quality is disclosed based on a 12-month point-in-time PD adjusted for multiple economic scenarios. The credit quality classifications for wholesale lending are unchanged and are based on internal credit risk ratings.
Credit quality classification
 
 
Debt securities and other bills
Wholesale lending
Retail lending
 
 
External
credit rating
Internal
credit rating
12-month Basel probability of
default %

Internal
credit rating
12-month probability- weighted PD %

Quality classification
 
 
 
 
 
 
Strong
 
A- and above
CRR1 to CRR2
0.000–0.169

Band 1 and 2
0.000–0.500

Good
 
BBB+ to BBB-
CRR3
0.170–0.740

Band 3
0.501–1.500

Satisfactory
 
BB+ to B and unrated
CRR4 to CRR5
0.741–4.914

Band 4 and 5
1.501–20.000

Sub-standard
 
B- to C
CRR6 to CRR8
4.915–99.999

Band 6
20.001–99.999

Credit impaired
 
Default
CRR9 to CRR10
100.000

Band 7
100.000

Distribution of financial instruments to which the impairment requirements in IFRS 9 are applied, by credit quality and stage allocation
 
 
Gross carrying/nominal amount
Allowance for ECL

Net

 
 
Strong

Good

Satisfactory

Sub-
standard

Credit impaired

Total

 
Footnotes
$m

$m

$m

$m

$m

$m

$m

$m

Loans and advances to customers at amortised cost
 
508,002

254,635

236,389

17,811

13,315

1,030,152

(8,520
)
1,021,632

– stage 1
 
506,440

244,016

199,663

5,401

—

955,520

(1,329
)
954,191

– stage 2
 
1,562

10,619

36,726

12,390

—

61,297

(2,062
)
59,235

– stage 3
 
—

—

—

—

13,010

13,010

(4,969
)
8,041

– POCI
 
—

—

—

20

305

325

(160
)
165

Loans and advances to banks at amortised cost
 
72,050

5,970

4,379

14

—

82,413

(16
)
82,397

– stage 1
 
71,984

5,959

4,002

12

—

81,957

(14
)
81,943

– stage 2
 
66

11

377

2

—

456

(2
)
454

– stage 3
 
—

—

—

—

—

—

—

—

– POCI
 
—

—

—

—

—

—

—

—

Other financial assets measured at amortised cost
 
580,508

47,817

24,785

293

151

653,554

(85
)
653,469

– stage 1
 
580,215

47,266

23,901

131

—

651,513

(32
)
651,481

– stage 2
 
293

551

884

162

—

1,890

(10
)
1,880

– stage 3
 
—

—

—

—

149

149

(43
)
106

– POCI
 
—

—

—

—

2

2

—

2

Loan and other credit-related commitments
 
399,958

139,417

85,060

4,633

823

629,891

(301
)
629,590

– stage 1
 
399,099

133,703

73,099

1,185

—

607,086

(141
)
606,945

– stage 2
 
859

5,714

11,961

3,448

—

21,982

(112
)
21,870

– stage 3
 
—

—

—

—

818

818

(48
)
770

– POCI
 
—

—

—

—

5

5

—

5

Financial guarantees
 
7,967

6,524

5,872

736

191

21,290

(55
)
21,235

– stage 1
 
7,919

6,128

4,382

247

—

18,676

(20
)
18,656

– stage 2
 
48

396

1,490

489

—

2,423

(25
)
2,398

– stage 3
 
—

—

—

—

188

188

(10
)
178

– POCI
 
—

—

—

—

3

3

—

3

At 30 Jun 2019
 
1,568,485

454,363

356,485

23,487

14,480

2,417,300

(8,977
)
2,408,323

Debt instruments at FVOCI
8
















– stage 1
 
314,678

13,140

10,821

—

—

338,639

(40
)
338,599

– stage 2
 
93

333

319

273

—

1,018

(34
)
984

– stage 3
 
—

—

—

—

184

184

—

184

– POCI
 
—

—

—

—

1

1

—

1

At 30 Jun 2019
 
314,771

13,473

11,140

273

185

339,842

(74
)
339,768

For footnotes, see page 79.
Distribution of financial instruments to which the impairment requirements in IFRS 9 are applied, by credit quality and stage allocation
(continued)
 
 
Gross carrying/notional amount
 
 
 
 
Strong

Good

Satisfactory

Sub-standard

Credit impaired

Total

Allowance for ECL

 Net

 
Footnotes
$m

$m

$m

$m

$m

$m

$m

$m

Loans and advances to customers at amortised cost
 
485,451

244,199

230,357

16,993

13,321

990,321

(8,625
)
981,696

– stage 1
 
483,907

233,843

191,851

5,587

—

915,188

(1,276
)
913,912

– stage 2
 
1,544

10,356

38,506

11,380

—

61,786

(2,108
)
59,678

– stage 3
 
—

—

—

—

13,023

13,023

(5,047
)
7,976

– POCI
 
—

—

—

26

298

324

(194
)
130

Loans and advances to banks at amortised cost
 
60,249

7,371

4,549

11

—

72,180

(13
)
72,167

– stage 1
 
60,199

7,250

4,413

11

—

71,873

(11
)
71,862

– stage 2
 
50

121

136

—

—

307

(2
)
305

– stage 3
 
—

—

—

—

—

—

—

—

– POCI
 
—

—

—

—

—

—

—

—

Other financial assets measured at amortised cost
 
514,848

44,724

23,019

200

126

582,917

(55
)
582,862

– stage 1
 
514,525

44,339

22,184

70

—

581,118

(27
)
581,091

– stage 2
 
323

385

835

130

—

1,673

(6
)
1,667

– stage 3
 
—

—

—

—

126

126

(22
)
104

– POCI
 
—

—

—

—

—

—

—

—

Loan and other credit-related commitments
 
373,302

137,076

75,478

5,233

919

592,008

(325
)
591,683

– stage 1
 
372,597

132,220

63,457

976

—

569,250

(143
)
569,107

– stage 2
 
705

4,856

12,021

4,257

—

21,839

(139
)
21,700

– stage 3
 
—

—

—

—

912

912

(43
)
869

– POCI
 
—

—

—

—

7

7

—

7

Financial guarantees
 
9,716

7,400

5,505

597

300

23,518

(93
)
23,425

– stage 1
 
9,582

6,879

4,264

159

—

20,884

(19
)
20,865

– stage 2
 
134

521

1,241

438

—

2,334

(29
)
2,305

– stage 3
 
—

—

—

—

297

297

(45
)
252

– POCI
 
—

—

—

—

3

3

—

3

At 31 Dec 2018
 
1,443,566

440,770

338,908

23,034

14,666

2,260,944

(9,111
)
2,251,833

Debt instruments at FVOCI
8








– stage 1
 
319,623

12,358

6,856

2,218

—

341,055

(33
)
341,022

– stage 2
 
9

96

354

340

—

799

(50
)
749

– stage 3
 
—

—

—

—

8

8

(1
)
7

– POCI
 
—

—

—

—

4

4

—

4

At 31 Dec 2018
 
319,632

12,454

7,210

2,558

12

341,866

(84
)
341,782

For footnotes, see page 79.