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81(ExpressedinthousandsofHongKongdollarsunlessotherwisestatedinthetext)UnauditedSupplementaryFinancialInformation(a)CAPITALADEQUACYANDLIQUIDITYRATIOS(i)CapitaladequacyratioTheGroup20012000CorecapitalPaidupordinarysharecapital293,429293,405SharePremium329,999329,667Reserves4,345,8773,833,012Others444,404512,8855,413,7094,968,969EligiblesupplementarycapitalReservesonrevaluationoflandandinterestsinland224,700224,700Unrealisedlossonrevaluationofnon-tradingsecurities(1,574)(46)Generalprovisionsfordoubtfuldebts361,124352,104584,250576,758Totalcapitalbasebeforedeductions5,997,9595,545,727Deductionsfromtotalcapitalbase(198,379)(127,576)Totalcapitalbaseafterdeductions5,799,5805,418,151Unadjustedandadjustedcapitaladequacyratioat31stDecember16.6%16.2%TheunadjustedcapitaladequacyratioiscomputedonaconsolidatedbasiscoveringtheBankandcertainofitsfinancialsubsidiariesasspecifiedbytheHongKongMonetaryAuthority(“HKMA”)foritsregulatorysupervisionpurposes,andisinaccordancewiththeThirdScheduletotheHongKongBankingOrdinance.Theadjustedcapitaladequacyratioincorporatingmarketriskiscomputedonthesameconsolidatedbasis,andisinaccordancewiththeHKMA’sGuideline“MaintenanceofAdequateCapitalAgainstMarketRisks”.(a)(i)82UnauditedSupplementaryFinancialInformation(a)CAPITALADEQUACYANDLIQUIDITYRATIOS(CONTINUED)(ii)AverageliquidityratiofortheyearTheGroup20012000Averageliquidityratiofortheyear45.3%44.3%Theaverageliquidityratiofortheyearincludestheliquiditypositionsofalloverseasbranches,HongKongofficesandfinancialsubsidiariesinitscalculation,whichisthebasisofcomputationagreedwiththeHKMA,andhasbeencomputedinaccordancewiththeFourthScheduletotheHongKongBankingOrdinance.(b)ADVANCESTOCUSTOMERS–BYINDUSTRYSECTORSTheinformationconcerningadvancestocustomersbyindustrysectorshasbeenclassifiedaccordingtotheusageoftheloanandisstatedgrossofanyprovisions.TheGroupChange20012000%LoansforuseinHongKongIndustrial,commercialandfinancial–Propertydevelopment334,797293,94013.9–Propertyinvestment5,645,0375,565,5301.4–Financialconcerns562,746593,606-5.2–Stockbrokers259,047245,7415.4–Wholesaleandretailtrade868,411992,632-12.5–Manufacturing968,8201,056,766-8.3–Transportandtransportequipment1,619,4651,384,92016.9–Sharefinancing255,709354,650-27.9–Others2,893,6682,864,9531.0Individuals–LoansforthepurchaseofflatsintheHomeOwnershipScheme,PrivateSectorParticipationSchemeandTenantsPurchaseScheme722,890460,60556.9–Loansforthepurchaseofotherresidentialproperties10,799,63911,151,902-3.2–Creditcardadvances463,121343,64934.8–Others2,833,5002,352,83620.4Tradefinance1,575,5541,664,877-5.4LoansforuseoutsideHongKong–Macau3,340,4983,015,09910.8–Others2,372,3421,324,13579.235,515,24433,665,8415.5(a)(ii)(b)83(c)ADVANCESTOCUSTOMERS,NON-PERFORMINGLOANSANDOVERDUEADVANCES-BYGEOGRAPHICALAREAThegeographicalinformationhasbeenclassifiedbythelocationofthecounterpartiesaftertakingintoaccountanyrisktransfer.Ingeneral,suchtransferofrisktakesplaceiftheclaimsareguaranteedbyapartyinacountrywhichisdifferentfromthatofthecounterpartyoriftheclaimsareonanoverseasbranchofabankwhoseheadofficeislocatedinanothercountry.TheGroup2001OverdueadvancesTotalAdvancestoNon-performingforoverthreecustomersloansmonthsHongKong29,432,2771,173,746740,417Macau3,459,865159,879145,641People’sRepublicofChina1,875,90016,17033,512Others747,202–2535,515,2441,349,795919,595TheGroup2000(restated)OverdueadvancesTotalAdvancestoNon-performingforoverthreecustomersloansmonthsHongKong29,094,3751,149,966957,525Macau3,272,289152,514183,869People’sRepublicofChina849,03330,40835,255Others450,1442,2834,72733,665,8411,335,1711,181,376(c)84UnauditedSupplementaryFinancialInformation(d)OVERDUEANDRESCHEDULEDASSETS(i)OverdueandrescheduledadvancesTheGroup20012000%oftotal%oftotalAmountadvancesAmountadvancesGrossadvancestocustomerswhichhavebeenoverduefor6monthsorlessbutover3months291,6840.82556,8001.651yearorlessbutover6months250,7860.71276,8170.82Over1year377,1251.06347,7591.03919,5952.591,181,3763.50Amountofcollateralheld731,6311,029,528Securedbalance646,525919,679Unsecuredbalance273,070261,697Specificprovisions182,777231,999Rescheduledadvances478,6251.35130,2400.39Therewerenooverdueadvancesforover3monthsandrescheduledadvancestobanksandotherfinancialinstitutionson31stDecember2001and31stDecember2000.(ii)OtheroverdueassetsTheGroup2001*Debt*OthersecuritiesassetsOtherassetswhichhavebeenoverduefor6monthsorlessbutover3months–2,0111yearorlessbutover6months–1,667Over1year–2,599–6,277*Otherassetsrefertotradebillsandaccruedinterest.(d)(i)(ii)*85(e)THERECONCILIATIONBETWEENOVERDUEANDRESCHEDULEDLOANSANDNON-PERFORMINGLOANSTheGroup20012000Grossadvancestocustomersandrescheduledloanswhichhavebeenoverdueforoverthreemonths:Grossadvancestocustomerswhichhavebeenoverdueforoverthreemonths919,5951,181,376Rescheduledadvances478,625130,2401,398,2201,311,616Less:Loansoverdueover3monthsandonwhichinterestisstillbeingaccrued(173,970)(299,747)Add:Loansoverduefor3monthsorlessandonwhichinterestisbeingplacedinsuspenseoronwhichinterestaccrualhasceased125,545323,302Totalnon-performingloans1,349