|
|
2014 |
|
|
Retail Banking and Wealth Management28 $m |
|
Commercial Banking28 $m |
|
Global
Banking and
Markets
$m |
|
Global Private
Banking
$m |
|
Other $m |
|
Inter- segment elimination44 $m |
|
Total
$m |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Profit/(loss) before tax |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net interest income |
|
3,671 |
|
1,181 |
|
490 |
|
19 |
|
9 |
|
(60) |
|
5,310 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net fee income |
|
939 |
|
301 |
|
147 |
|
28 |
|
− |
|
− |
|
1,415 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Trading income/(expense) excluding net interest income |
|
125 |
|
101 |
|
391 |
|
3 |
|
(1) |
|
− |
|
619 |
Net interest income/(expense) on trading activities |
|
1 |
|
4 |
|
174 |
|
− |
|
(2) |
|
60 |
|
237 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net trading income/(expense)40 |
|
126 |
|
105 |
|
565 |
|
3 |
|
(3) |
|
60 |
|
856 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Changes in fair value of long-term debt issued and related derivatives |
|
− |
|
− |
|
− |
|
− |
|
− |
|
− |
|
− |
Net income from other financial instruments designated at fair value |
|
525 |
|
166 |
|
− |
|
− |
|
− |
|
− |
|
691 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net income from financial instruments designated at fair value |
|
525 |
|
166 |
|
− |
|
− |
|
− |
|
− |
|
691 |
Gains less losses from financial investments |
|
− |
|
− |
|
84 |
|
− |
|
− |
|
− |
|
84 |
Dividend income |
|
6 |
|
2 |
|
1 |
|
− |
|
− |
|
− |
|
9 |
Net insurance premium income |
|
1,272 |
|
246 |
|
5 |
|
− |
|
− |
|
− |
|
1,523 |
Other operating income |
|
61 |
|
40 |
|
19 |
|
− |
|
213 |
|
(184) |
|
149 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total operating income |
|
6,600 |
|
2,041 |
|
1,311 |
|
50 |
|
219 |
|
(184) |
|
10,037 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net insurance claims45 |
|
(1,428) |
|
(334) |
|
(3) |
|
− |
|
− |
|
− |
|
(1,765) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net operating income1 |
|
5,172 |
|
1,707 |
|
1,308 |
|
50 |
|
219 |
|
(184) |
|
8,272 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loan impairment charges and other credit risk provisions |
|
(1,208) |
|
(659) |
|
(252) |
|
(5) |
|
− |
|
− |
|
(2,124) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net operating income |
|
3,964 |
|
1,048 |
|
1,056 |
|
45 |
|
219 |
|
(184) |
|
6,148 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total operating expenses |
|
(4,124) |
|
(1,041) |
|
(606) |
|
(49) |
|
(296) |
|
184 |
|
(5,932) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Operating profit/(loss) |
|
(160) |
|
7 |
|
450 |
|
(4) |
|
(77) |
|
− |
|
216 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Share of profit in associates and joint ventures |
|
− |
|
− |
|
− |
|
− |
|
− |
|
− |
|
− |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Profit/(loss) before tax |
|
(160) |
|
7 |
|
450 |
|
(4) |
|
(77) |
|
− |
|
216 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
% |
|
% |
|
% |
|
% |
|
% |
|
|
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Share of HSBC's profit before tax |
|
(0.8) |
|
− |
|
2.4 |
|
− |
|
(0.5) |
|
|
|
1.1 |
Cost efficiency ratio |
|
79.7 |
|
61.0 |
|
46.3 |
|
98.0 |
|
135.2 |
|
|
|
71.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance sheet data30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$m |
|
$m |
|
$m |
|
$m |
|
$m |
|
|
|
$m |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and advances to customers (net) |
|
13,266 |
|
19,118 |
|
10,642 |
|
96 |
|
- |
|
|
|
43,122 |
Total assets |
|
30,855 |
|
28,070 |
|
55,827 |
|
298 |
|
1,155 |
|
(851) |
|
115,354 |
Customer accounts |
|
25,392 |
|
12,789 |
|
8,219 |
|
2,188 |
|
− |
|
|
|
48,588 |
