HSBC Holdings Regulatory News (HSBA)

2015

Retail

Banking

and Wealth

Management28

$m

Commercial

Banking28

$m

GlobalBanking andMarkets$m

Global

PrivateBanking$m

Other

$m

Inter-

segment

elimination44

$m

Total$m

Profit/(loss) before tax

Net interest income

2,891

997

461

18

15

(64)

4,318

Net fee income/(expense) 

724

253

133

23

(2)

−

1,131

Trading income/(expense) excluding net interest income

149

89

239

3

(7)

−

473

Net interest income on trading activities

−

−

124

−

3

64

191

Net trading income/(expense)40

149

89

363

3

(4)

64

664

Changes in fair value of long-term debt issued and related derivatives

−

−

−

−

−

−

−

Net income from other financial instruments designated at fair value

439

134

2

−

−

−

575

Net income from financial instruments designated at fair value

439

134

2

−

−

−

575

Gains less losses from financial investments

14

1

56

−

−

−

71

Dividend income

4

2

1

−

−

−

7

Net insurance premium income

903

191

5

−

−

−

1,099

Other operating income

83

32

12

−

236

(224)

139

Total operating income

5,207

1,699

1,033

44

245

(224)

8,004

Net insurance claims45

(1,129)

(279)

(4)

−

−

−

(1,412)

Net operating income1

4,078

1,420

1,029

44

245

(224)

6,592

Loan impairment charges and other credit risk provisions

(1,092)

(364)

(39)

−

−

−

(1,495)

Net operating income

2,986

1,056

990

44

245

(224)

5,097

Total operating expenses

(3,226)

(890)

(528)

(41)

(325)

224

(4,786)

Operating profit/(loss)

(240)

166

462

3

(80)

−

311

Share of loss in associates and joint ventures

−

(1)

−

−

−

−

(1)

Profit/(loss) before tax

(240)

165

462

3

(80)

−

310

%

%

%

%

%

%

Share of HSBC's profit before tax

(1.3)

0.9

2.4

−

(0.3)

1.7

Cost efficiency ratio

79.1

62.7

51.3

93.2

132.7

72.6

Balance sheet data22,30

$m

$m

$m

$m

$m

$m

Loans and advances to customers (net)

5,935

6,719

4,592

47

−

17,293

Total assets

25,378

20,792

36,953

1,769

2,838

(1,468)

86,262

Customer accounts

12,042

5,904

3,422

102

-

21,470

2014

Retail

Banking

and Wealth

Management28

$m

Commercial

Banking28

$m

GlobalBanking andMarkets$m

Global

PrivateBanking$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