HSBC 2009 Annual Report Download - page 497

HSBC HOLDINGS PLC
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495
Accounting 365
developments (future) 367
policies (critical) 61
policies (significant) 157, 369
Accounts
approval 471
basis of preparation 66, 365
Acquisitions and disposals 444
Actuarial assumptions 394
American Depositary Shares 474
Annual General Meeting 333, 477
Areas of special interest 214
Asset-backed securities 154, 156
Assets
average balance sheet 46
by customer group 66
by geographical region 86, 417
charged as security 456
held in custody and under administration 148
intangible 438
other 444
trading 422
underlying/reported reconciliation 44
Associates and joint ventures
dilution gains 41, 386
interests in 432
share of profit in 40
Audit committee (Group) 310
Auditors’ remuneration 400
Auditors’ Report 350
Balance sheet
average 46
consolidated 42, 354
data 4, 67, 70, 76, 77, 80, 82, 88, 95, 98, 103,
108, 114, 118, 122, 126, 133, 137, 142,
417
HSBC Holdings 360
insurance manufacturing subsidiaries 270
underlying/reported reconciliation 44
Bank payroll tax 326
Borrowings (short-term) 56
Brand perception 20
Business highlights 68, 71, 74, 78
Business model 156
Business performance review
Europe 89, 93
Hong Kong 99, 101
Latin America 138, 140
Middle East 119, 121
North America 127, 131
Rest of Asia-Pacific 109, 112
Calendar (dividends) 473
Capital
management and allocation 285
return on invested capital 2
structure 289
Capital and performance ratios 3, 4
Cash flow
accounting policy 384
consolidated statement 356
HSBC Holdings 361
notes 461
payable under financial liabilities 249
projected scenario analysis 247
Cautionary statement regarding forward-looking
statements 6
Certificates of deposit and other time deposits
(maturity analysis) 60
Challenges and uncertainties 12
Client assets 78
Collateral and credit enhancements 207
Commercial Banking
business highlights 71
financial performance 70
products and services 145
strategic direction 70
underlying/reported profit 72
Committees (board) 310, 334
Communication with shareholders 332, 478
Concentration of exposure 208
Conduits 182
Constant currency 21
Constant Net Asset Value funds 187
Contents 1, 66, 85, 196, 294, 334, 472
Contingent liabilities and contractual
commitments 463
Contractual obligations 56
Corporate governance
codes 308
report 294
Corporate sustainability 326
committee 313
governance 328
risk 264
Cost efficiency ratio 3, 39
Credit coverage ratios 3
Credit exposure 206
Credit quality 203
classifications 226
Credit risk
challenges and uncertainties 17
management thereof 201
insurance 277
Critical accounting policies 61
Cross-border exposures 206, 213
Customer accounts 87, 98, 107, 117, 125, 136
recommendation 20
underlying/reported reconciliation 45
Customer groups and global businesses 66
Daily distribution of revenues 253
Data security 149
Dealings in HSBC Holdings plc shares 332
Debt securities in issue 209, 446
accounting policy 384
Defined terms inside front cover, 489
Deposits
average balances and average rates 58
time 60
Derivatives 208, 209, 424
accounting policy 376
Dilution gains 41, 386
Directors 294
appointments and re-election 307
biographies 294