HSBC 2003 Annual Report Download - page 379

HSBC HOLDINGS PLC
Index
377
Acceptances (UK/US GAAP differences) 334
Accounting
developments (future) 121
policies (principal) 241
requirements in UK and Hong Kong 324
Accounts (approval) 366
Administrative expenses 248
Annual General Meeting 212, 370
Annual Report and Accounts 2003 233
Assets
analysis 300
by customer group 11
by geographical region 15, 64, (total and net)
317
deployment 55
other 283
Associates 271
Assurance fund (UK/US GAAP differences) 326,
340
Auditor 212
report 231
Available for sale securities 355
Bad and doubtful debts 49
credit risk management 136
net charge to profit and loss account 155
provisions 118, 138, 140, 150, 264
suspended and non-accrual interest 140
Balance sheet
average 123 – 130
consolidated 234 – 235
HSBC Holdings 236
Basis of preparation of accounts 239
Business highlights 15
Calendar (financial) 370
Capital
commitments 316
events 190
management and allocation 173
structure 176
Cash flow
analysis of cash 316
consolidated statement 238, 362
reconciliation to operating profit 314
Cautionary statement regarding forward-looking
statements 5
Certificates of deposit and other time deposits
(maturity analysis) 181
Commercial banking
business highlights 16, 19, 22, 25, 26
performance in Europe 69, 73
performance in Hong Kong 80, 83
performance in Rest of Asia Pacific 90, 92
performance in North America 101, 104
performance in South America 112, 113
product offering 12
Committees (board) 202
Communication with shareholders 208
Competitive environment 26
global factors 27
regional factors 27
Connected transactions 211
Constant currency 2
Consumer finance
performance in Europe 69
performance in North America 101
product offering 12, 24
Contents frontispiece
Contingent liabilities and commitments 308
Contractual obligations 183
Corporate governance 204
UK/New York Stock Exchange corporate
governance differences 205
Corporate, Investment Banking & Markets
business highlights 17, 20, 23, 25, 26
performance in Europe 70, 74
performance in Hong Kong 81, 83
performance in Rest of Asia Pacific 91, 92
performance in North America 102, 104
performance in South America 112, 114
product offering 13
Credit risk management 136 – 141, 261
Critical accounting policies 118 – 121
Customer groups 11, 68 – 75, 80 – 84, 90 – 93, 99
– 105, 111 – 114
Customer accounts 284
Dealings in HSBC Holdings plc shares 211
Debt securities 266
held in accrual books 56
in issue 284
Debt swaps
UK/US GAAP differences 326
Deferred taxation
UK/US GAAP differences 331, 356
Defined terms frontispiece
Deposits
average balances and average rates 179
by banks 283
Derivates (accruals accounted)
UK/US GAAP differences 329, 352
Directors
biographies 184
board of directors 200, 214
emoluments 223
interests 208
remuneration 214
responsibilities (statement of) 230
service contracts and terms of appointment 220
Disclosure controls 183
Dividend income 247
Dividends 258, 370 374
UK/US GAAP differences 331
Donations 212
Earnings per ordinary share 258, 359
Economic background