HSBC 2008 Annual Report Download - page 468

HSBC HOLDINGS PLC
lndex (continued)
466
Information on HSBC (availability thereof) 454
Insurance
accounting policy 358
claims incurred (net) and movements in
liabilities to policyholders 33, 362
liabilities under contracts issued 421
net earned premiums 31, 361
PVIF business 272
risk management 255
Interest income (net) 26
accounting policy 344
analysis of changes in 50
average balance sheet 42
forgone on impaired loans 233
sensitivity 58, 246
Interim management statements 452
Internal control 299
IFRS and Hong Kong Financial Reporting
Standards comparison 340
Investment contracts
accounting policy 358
Investor relations 454
IT performance 20
Key performance indicators
financial 17
non-financial 19
Latin America
balance sheet data 130, 135
business performance 131, 133
challenges and uncertainties 15
customer accounts by country 129
economic briefing 130, 132
lending 205, 207
loan impairment charges 223, 226, 229, 232
loans and advances to customers 129, 206
profit/(loss) 129, 130
underlying/reported profit 131/133
Lease commitments 442
accounting policy 355
Legal
proceedings/risk 16, 142, 252
litigation 443
Leveraged finance transactions 160
Liabilities
by geographical region 389
movement in 47
other 421
subordinated 424
trading 419
Life insurance business 255
Liquidity and funding
challenges and uncertainties 15
management thereof 235
impact of market turmoil 239
insurance 271
Loans and advances
accounting policy 346
collateral 200
concentration of exposure 200
credit quality of 195
delinquency in the US 215
impairment 220
maturity and interest sensitivity 58
past due 219
renegotiated 216
to banks by geographical region 210
to customers by industry sector and
geographical region 204, 205, 206
Market risk
impact of market turmoil 242
insurance 263
management thereof 241
Market turmoil 144, 239, 242
Maturity analysis of assets and liabilities 428
Maximum exposure to credit risk 197
Memorandum and Articles of Association 451
Minority interests 431
Money market funds 179
Monoline insurers 158
Mortgage lending 210, 211, 213
Nomination committee 298
Non-interest income
accounting policy 344
Non-life insurance business 256
Non-trading portfolios 245
North America
balance sheet data 120, 126
business performance 121, 123
challenges and uncertainties 14
customer accounts by country 119
economic briefing 119, 123
lending 205, 207
loan delinquency in the US 215
loan impairment charges 223, 226, 229, 232
mortgage lending 210
profit/(loss) 119, 120, 126
regulation and supervision (US) 190
underlying/reported profit 121, 124
Off-balance sheet arrangements 187
Operating expenses 36
Operating income 32, 363
Operational risk 252
challenges and uncertainties 16
Organisational structure chart 459
Other (notes) 82
Pensions
accounting policy 356
for directors 324
risk 246, 253
Personal Financial Services
business highlights 69
financial performance 69
products and services 138
strategic direction 68
subsequent developments 70
underlying/reported profit 71
Personal lending 208
Principal activities 12
Private Banking
business highlights 80
financial performance 79
products and services 140
strategic direction 79
underlying/reported profit 81