UOB Annual Report 2002 - United Overseas Bank

(c)
Total gross trade bills and advances to customers analysed by industry group:
The Group
The Bank
2002 2001 2002 2001
$'000 $'000 $'000 $'000
Transport, storage and communication 2,057,485 2,313,020 1,878,186 862,002
Building and construction 9,147,960 9,721,679 7,918,866 2,822,036
Manufacturing 5,391,630 5,337,661 3,515,973 1,055,662
Non-bank financial institutions 10,809,361 10,764,600 10,010,178 3,743,968
General commerce 6,200,322 6,296,428 4,958,561 2,413,559
Professionals and private individuals
(excluding housing loans) 9,335,235 9,500,073 7,698,203 3,654,031
Housing loans 13,841,234 13,297,609 11,846,719 6,894,353
Others 5,555,528 6,979,856 4,834,148 2,999,582
62,338,755 64,210,926 52,660,834 24,445,193
(d)
At the balance sheet date, the gross amount of trade bills, advances and credit facilities granted to customers that are regarded
as non-performing are as follows:
The Group
The Bank
2002 2001 2002 2001
$'000 $'000 $'000 $'000
Substandard 3,618,373 3,851,284 2,669,371 895,592
Doubtful 406,598 474,900 370,081 95,855
Loss 1,590,410 1,617,850 1,116,729 318,658
Total non-performing loans and credit facilities 5,615,381 5,944,034 4,156,181 1,310,105
Non-performing loans and credit facilities are those classified as Substandard, Doubtful and Loss in accordance with MAS Notice
612. All foreseeable losses relating to these non-performing loans and credit facilities have been provided for in the financial
statements.
UNITED OVERSEAS BANK 127