Household 10-K DEC 03 Part 1c

HSBC Holdings PLC 1 March 2004 75 HOUSEHOLD INTERNATIONAL, INC. AND SUBSIDIARIES RECONCILIATIONS TO GAAP FINANCIAL MEASURES CREDIT QUALITY STATISTICS - 2002 Two-Months-and-Over Year-to-Date Charge-offs, Contractual Delinquency Net of Recoveries -------------------------------------------------------- ------------------------------------------- Two-Months-and- Two-Months-and- Over Contractual Receivables Over Contractual Net Average Net Delinquency Outstanding Delinquency Charge-offs Receivables Charge-offs ------------------ -------------- ------------------ ------------ -------------- ----------- (All dollar amounts are stated in millions) Owned: First mortgage(1) $ 4.3 $ 44.3 9.71 % $ 2.0 $ 54.0 3.70 % Real estate 1,793.5 45,818.5 3.91 431.0 47,257.7 .91 secured Auto finance 80.1 2,023.8 3.96 151.7 2,529.4 6.00 MasterCard/Visa 534.5 8,946.5 5.97 716.3 7,569.1 9.46 Private label 721.4 11,339.6 6.36 676.2 10,774.7 6.28 Personal 1,250.5 13,970.9 8.95 1,153.6 13,968.0 8.26 non-credit card --------- --------- --------- ------- --------- ---- Total consumer 4,384.3 82,143.6 5.34 3,130.8 82,152.9 3.81 Commercial - 418.7 - (1.7 ) 429.1 (.40 ) --------- --------- --------- ------- --------- ---- Total $ 4,384.3 $ 82,562.3 5.31 % $ 3,129.1 $ 82,582.0 3.79 % --------- --------- --------- ------- --------- ---- Serviced with Limited Recourse: Real estate $ 31.1 $ 456.2 6.82 % $ 7.2 $ 572.1 1.26 % secured Auto finance 191.8 5,418.6 3.54 308.8 4,412.6 7.00 MasterCard/Visa 246.6 10,006.1 2.46 511.3 9,677.1 5.28 Private label 177.4 3,577.1 4.96 106.5 2,840.4 3.75 Personal 580.2 5,475.5 10.60 413.2 4,869.1 8.49 non-credit card --------- --------- --------- ------- --------- ---- Total 1,227.1 24,933.5 4.92 1,347.0 22,371.3 6.02 --------- --------- --------- ------- --------- ---- Managed: First mortgage(1) $ 4.3 $ 44.3 9.71 % $ 2.0 $ 54.0 3.70 % Real estate 1,824.6 46,274.7 3.94 438.2 47,829.8 .92 secured Auto finance 271.9 7,442.4 3.65 460.5 6,942.0 6.63 MasterCard/Visa 781.1 18,952.6 4.12 1,227.6 17,246.2 7.12 Private label 898.8 14,916.7 6.03 782.7 13,615.1 5.75 Personal 1,830.7 19,446.4 9.41 1,566.8 18,837.1 8.32 non-credit card --------- --------- --------- ------- --------- ---- Total consumer 5,611.4 107,077.1 5.24 4,477.8 104,524.2 4.28 Commercial - 418.7 - (1.7 ) 429.1 (.40 ) --------- --------- --------- ------- --------- ---- Total $ 5,611.4 $ 107,495.8 5.22 % $ 4,476.1 $ 104,953.3 4.26 % --------- --------- --------- ------- --------- ---- -------------- (1) Includes our liquidating legacy first and reverse mortgage portfolios. 76 Serviced with Owned Limited Recourse Managed ---------------- ------------------------ ---------------- (All dollar amounts are stated in millions) Nonaccrual Receivables Domestic: Real estate secured $ 1,367.1 $ 24.1 $ 1,391.2 Auto finance 80.1 191.8 271.9 Private label 38.0 - 38.0 Personal non-credit card 902.4 418.1 1,320.5 Foreign 263.6 47.3 310.9 -------- --------- -------- Total consumer 2,651.2 681.3 3,332.5 Commercial and other 14.7 - 14.7 -------- --------- -------- Total $ 2,665.9 $ 681.3 $ 3,347.2 -------- --------- -------- Accruing Consumer Receivables 90 or More Days Delinquent Domestic: MasterCard/Visa $ 342.4 $ 170.7 $ 513.1 Private label 491.3 142.1 633.4 Foreign 27.0 - 27.0 -------- --------- -------- Total $ 860.7 $ 312.8 $ 1,173.5 -------- --------- -------- Real Estate Charge-offs and REO Expense as a Percent of Average Real Estate Secured Receivables Real estate charge-offs and REO expense $ 608.0 $ 7.3 $ 615.3 Average real estate secured receivables 47,257.7 572.1 47,829.8 -------- --------- -------- Real estate charge-offs and REO expense as a percent 1.29 % 1.28 % 1.29 % of average real estate secured receivables -------- --------- -------- 77 HOUSEHOLD INTERNATIONAL, INC. AND SUBSIDIARIES RECONCILIATIONS TO GAAP FINANCIAL MEASURES CREDIT QUALITY STATISTICS - 2001 Two-Months-and-Over Year-to-Date Charge-offs, Contractual Delinquency Net of Recoveries ------------------------------------------------------ ------------------------------------------ Two-Months-and- Two-Months-and- Over Contractual Receivables Over Contractual Net Average Net Delinquency Outstanding Delinquency Charge-offs Receivables Charge-offs ----------------- -------------- ----------------- ------------ ------------- ----------- (All dollar amounts are stated in millions) Owned: First mortgage(1) $ 8.0 $ 62.6 12.78 % $ 1.7 $ 74.6 2.28 % Real estate 1,154.3 43,856.8 2.63 202.1 38,850.4 .52 secured Auto finance 69.2 2,368.9 2.92 92.8 2,319.1 4.00 MasterCard/Visa 461.7 8,141.2 5.67 664.8 8,138.3 8.17 Private label 699.2 11,663.9 5.99 587.7 10,516.4 5.59 Personal 1,125.6 13,337.0 8.44 850.8 12,486.0 6.81 non-credit card --------- --------- --------- ------- -------- ---- Total consumer 3,518.0 79,430.4 4.43 2,399.9 72,384.8 3.32 Commercial - 444.3 - 10.1 480.3 2.10 --------- --------- --------- ------- -------- ---- Total $ 3,518.0 $ 79,874.7 4.40 % $ 2,410.0 $ 72,865.1 3.31 % --------- --------- --------- ------- -------- ---- Serviced with Limited Recourse: Real estate $ 43.1 $ 861.8 5.00 % $ 8.4 $ 1,199.2 .70 % secured Auto finance 132.6 4,026.6 3.29 189.9 3,004.4 6.32 MasterCard/Visa 252.3 9,254.0 2.73 481.8 9,144.6 5.27 Private label 57.9 2,150.0 2.69 47.5 1,744.2 2.72 Personal 469.6 4,655.6 10.09 305.2 4,527.8 6.74 non-credit card --------- --------- --------- ------- -------- ---- Total $ 955.5 $ 20,948.0 4.56 % $ 1,032.8 $ 19,620.2 5.26 % --------- --------- --------- ------- -------- ---- Managed: First mortgage(1) $ 8.0 $ 62.6 12.78 % $ 1.7 $ 74.6 2.28 % Real estate 1,197.4 44,718.6 2.68 210.5 40,049.6 .53 secured Auto finance 201.8 6,395.5 3.16 282.7 5,323.5 5.31 MasterCard/Visa 714.0 17,395.2 4.10 1,146.6 17,282.9 6.63 Private label 757.1 13,813.9 5.48 635.2 12,260.6 5.18 Personal 1,595.2 17,992.6 8.87 1,156.0 17,013.8 6.79 non-credit card --------- --------- --------- ------- -------- ---- Total consumer 4,473.5 100,378.4 4.46 3,432.7 92,005.0 3.73 Commercial - 444.3 - 10.1 480.3 2.10 --------- --------- --------- ------- -------- ---- Total $ 4,473.5 $ 100,822.7 4.44 % $ 3,442.8 $ 92,485.3 3.72 % --------- --------- --------- ------- -------- ---- -------------- (1) Includes our liquidating legacy first and reverse mortgage portfolios. 78 Serviced with Owned Limited Recourse Managed ---------------- ------------------------ ---------------- (All dollar amounts are stated in millions) Nonaccrual Receivables Domestic: Real estate secured $ 906.8 $ 34.0 $ 940.8 Auto finance 69.2 132.6 201.8 Private label 38.6 - 38.6 Personal non-credit card 782.4 323.9 1,106.3 Foreign 215.3 48.2 263.5 -------- --------- -------- Total consumer 2,012.3 538.7 2,551.0 Commercial and other 15.2 - 15.2 -------- --------- -------- Total $ 2,027.5 $ 538.7 $ 2,566.2 -------- --------- -------- Accruing Consumer Receivables 90 or More Days Delinquent Domestic: MasterCard/Visa $ 352.4 $ 175.0 $ 527.4 Private label 462.2 41.0 503.2 Foreign 29.5 - 29.5 -------- --------- -------- Total $ 844.1 $ 216.0 $ 1,060.1 -------- --------- -------- Real Estate Charge-offs and REO Expense as a Percent of Average Real Estate Secured Receivables Real estate charge-offs and REO expense $ 325.8 $ 8.4 $ 334.2 Average real estate secured receivables 38,850.4 1,199.2 40,049.6 -------- --------- -------- Real estate charge-offs and REO expense as a percent .84 % .70 % .83 % of average real estate secured receivables -------- --------- -------- 79 HOUSEHOLD INTERNATIONAL, INC. AND SUBSIDIARIES RECONCILIATIONS TO GAAP FINANCIAL MEASURES CREDIT QUALITY STATISTICS - 2000 Two-Months-and-Over Year-to-Date Charge-offs, Contractual Delinquency Net of Recoveries -------------------------------------------------------- ------------------------------------------- Two-Months-and- Two-Months-and- Over Contractual Receivables Over Contractual Net Average Net Delinquency Outstanding Delinquency Charge-offs Receivables Charge-offs ------------------ -------------- ------------------ ------------ ------------- ------------ (All dollar amounts are stated in millions) Owned: First mortgage $ 12.6 $ 88.9 14.17 % $ 1.0 $ 110.6 .90 % (1) Real estate 906.2 35,179.7 2.58 128.9 30,682.5 .42 secured Auto finance 45.5 1,850.6 2.46 59.8 1,818.9 3.29 MasterCard/Visa 395.0 8,053.6 4.90 466.7 7,126.5 6.55 Private label 579.9 10,347.3 5.60 533.4 9,981.7 5.34 Personal 862.7 11,328.1 7.62 715.9 10,194.7 7.02 non-credit card --------- -------- --------- ------- -------- ---- Total consumer 2,801.9 66,848.2 4.19 1,905.7 59,914.9 3.18 Commercial - 509.7 - 15.7 582.9 2.69 --------- -------- --------- ------- -------- ---- Total $ 2,801.9 $ 67,357.9 4.16 % $ 1,921.4 $ 60,497.8 3.18 % --------- -------- --------- ------- -------- ---- Serviced with Limited Recourse: Real estate $ 58.5 $ 1,457.8 4.01 % $ 16.7 $ 1,847.7 .90 % secured Auto finance 70.7 2,712.7 2.61 124.6 2,023.4 6.16 MasterCard/Visa 219.1 9,529.8 2.30 432.6 8,984.7 4.81 Private label 77.9 1,650.0 4.72 65.6 1,212.5 5.41 Personal 430.1 4,899.2 8.78 313.2 4,566.1 6.86 non-credit card --------- -------- --------- ------- -------- ---- Total $ 856.3 $ 20,249.5 4.23 % $ 952.7 $ 18,634.4 5.11 % --------- -------- --------- ------- -------- ---- Managed: First mortgage $ 12.6 $ 88.9 14.17 % $ 1.0 $ 110.6 .90 % (1) Real estate 964.7 36,637.5 2.63 145.6 32,530.2 .45 secured Auto finance 116.2 4,563.3 2.55 184.4 3,842.3 4.80 MasterCard/Visa 614.1 17,583.4 3.49 899.3 16,111.2 5.58 Private label 657.8 11,997.3 5.48 599.0 11,194.2 5.35 Personal 1,292.8 16,227.3 7.97 1,029.1 14,760.8 6.97 non-credit card --------- -------- --------- ------- -------- ---- Total consumer 3,658.2 87,097.7 4.20 2,858.4 78,549.3 3.64 Commercial - 509.7 - 15.7 582.9 2.69 --------- -------- --------- ------- -------- ---- Total $ 3,658.2 $ 87,607.4 4.18 % $ 2,874.1 $ 79,132.2 3.63 % --------- -------- --------- ------- -------- ---- -------------- (1) Includes our liquidating legacy first and reverse mortgage portfolios. 80 Serviced with Owned Limited Recourse Managed ---------------- ------------------------ ---------------- (All dollar amounts are stated in millions) Nonaccrual Receivables Domestic: Real estate secured $ 685.6 $ 48.5 $ 734.1 Auto finance 45.5 70.7 116.2 Private label 47.6 - 47.6 Personal non-credit card 610.0 292.0 902.0 Foreign 226.0 44.4 270.4 -------- --------- -------- Total consumer 1,614.7 455.6 2,070.3 Commercial and other 42.0 - 42.0 -------- --------- -------- Total $ 1,656.7 $ 455.6 $ 2,112.3 -------- --------- -------- Accruing Consumer Receivables 90 or More Days Delinquent Domestic: MasterCard/Visa $ 272.0 $ 148.3 $ 420.3 Private label 355.1 62.1 417.2 Foreign 22.3 - 22.3 -------- --------- -------- Total $ 649.4 $ 210.4 $ 859.8 -------- --------- -------- Real Estate Charge-offs and REO Expense as a Percent of Average Real Estate Secured Receivables Real estate charge-offs and REO expense $ 213.5 $ 16.7 $ 230.2 Average real estate secured receivables 30,682.5 1,847.7 32,530.2 -------- --------- -------- Real estate charge-offs and REO expense as a percent .70 % .90 % .71 % of average real estate secured receivables -------- --------- -------- This information is provided by RNS The company news service from the London Stock Exchange

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