|
|
2015 |
|
|
Retail Banking
and Wealth
Management
$m |
|
Commercial Banking
$m |
|
Global
Banking and
Markets
$m |
|
Global Private
Banking
$m |
|
Other $m |
|
Inter-
segment elimination44 $m |
|
Total
$m |
Profit before tax |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net interest income/(expense) |
|
5,132 |
|
3,613 |
|
3,373 |
|
175 |
|
(70) |
|
(39) |
|
12,184 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net fee income |
|
2,939 |
|
1,466 |
|
1,304 |
|
310 |
|
13 |
|
− |
|
6,032 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Trading income excluding net interest income |
|
225 |
|
352 |
|
1,801 |
|
127 |
|
13 |
|
− |
|
2,518 |
Net interest income/(expense)
on trading activities |
|
(23) |
|
(11) |
|
559 |
|
1 |
|
7 |
|
39 |
|
572 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net trading income40 |
|
202 |
|
341 |
|
2,360 |
|
128 |
|
20 |
|
39 |
|
3,090 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Changes in fair value of long-term debt issued and related derivatives |
|
− |
|
− |
|
− |
|
− |
|
5 |
|
− |
|
5 |
Net income/(expense) from other financial instruments designated
at fair value |
|
(329) |
|
(30) |
|
10 |
|
− |
|
14 |
|
− |
|
(335) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net income/(expense) from financial instruments designated at fair value |
|
(329) |
|
(30) |
|
10 |
|
− |
|
19 |
|
− |
|
(330) |
Gains less losses from financial investments |
|
35 |
|
23 |
|
117 |
|
− |
|
1,384 |
|
− |
|
1,559 |
Dividend income |
|
2 |
|
− |
|
1 |
|
− |
|
25 |
|
− |
|
28 |
Net insurance premium income /(expense) |
|
6,006 |
|
780 |
|
− |
|
− |
|
(2) |
|
− |
|
6,784 |
Other operating income |
|
659 |
|
149 |
|
146 |
|
2 |
|
2,878 |
|
(1,116) |
|
2,718 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total operating income |
|
14,646 |
|
6,342 |
|
7,311 |
|
615 |
|
4,267 |
|
(1,116) |
|
32,065 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net insurance claims45 |
|
(5,925) |
|
(837) |
|
− |
|
− |
|
− |
|
− |
|
(6,762) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net operating income1 |
|
8,721 |
|
5,505 |
|
7,311 |
|
615 |
|
4,267 |
|
(1,116) |
|
25,303 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loan impairment (charges)/recoveries and other credit risk provisions |
|
(307) |
|
(425) |
|
40 |
|
− |
|
(1) |
|
− |
|
(693) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net operating income |
|
8,414 |
|
5,080 |
|
7,351 |
|
615 |
|
4,266 |
|
(1,116) |
|
24,610 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total operating expenses |
|
(4,320) |
|
(2,020) |
|
(2,719) |
|
(363) |
|
(2,583) |
|
1,116 |
|
(10,889) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Operating profit |
|
4,094 |
|
3,060 |
|
4,632 |
|
252 |
|
1,683 |
|
− |
|
13,721 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Share of profit in associates
and joint ventures |
|
292 |
|
1,448 |
|
302 |
|
− |
|
− |
|
− |
|
2,042 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Profit before tax |
|
4,386 |
|
4,508 |
|
4,934 |
|
252 |
|
1,683 |
|
− |
|
15,763 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
% |
|
% |
|
% |
|
% |
|
% |
|
|
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Share of HSBC's profit before tax |
|
23.2 |
|
23.9 |
|
26.2 |
|
1.3 |
|
8.9 |
|
|
|
83.5 |
Cost efficiency ratio |
|
49.5 |
|
36.7 |
|
37.2 |
|
59.0 |
|
60.5 |
|
|
|
43.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance sheet data30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$m |
|
$m |
|
$m |
|
$m |
|
$m |
|
|
|
$m |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and advances to customers (net) |
|
117,807 |
|
130,513 |
|
93,007 |
|
13,144 |
|
1,904 |
|
|
|
356,375 |
Total assets |
|
172,719 |
|
157,838 |
|
540,404 |
|
14,488 |
|
69,080 |
|
(64,782) |
|
889,747 |
Customer accounts |
|
303,536 |
|
165,202 |
|
100,998 |
|
28,685 |
|
199 |
|
|
|
598,620 |
