HSBC 2009 Annual Report Download - page 500

HSBC HOLDINGS PLC
lndex (continued)
498
Monoline insurers 163
Mortgage lending 218, 222
Nomination committee 312
Non-interest income
accounting policy 369
Non-life insurance business 266
Non-money market investment funds 188
Non-trading portfolios 255
North America
balance sheet data 126, 133
business performance 127, 131
challenges and uncertainties 15
customer accounts by country 125
economic briefing 125, 130
lending 211
loan delinquency in the US 223
loan impairment charges/allowances 231, 234,
237, 238
loans and advances to customers 125
mortgage lending 218
principal operations 85
profit/(loss) 126, 133, 413
regulation and supervision (US) 198
underlying/reported profit 127, 130
Off-balance sheet arrangements 194
Operating expenses 38
Operating income 33, 388
Operational risk
challenges and uncertainties 18
Organisational structure chart 484
Other (notes) 80
Pensions
accounting policy 380
defined benefit plans 258, 395, 398
for directors 346
risk 263
Performance and context 335
Personal Financial Services
business highlights 68
financial performance 67
products and services 145
strategic direction 67
underlying/reported profit 69
Personal lending 215
Pillar 2 and 3 288
Principal activities 12
Private Banking
business highlights 78
financial performance 78
products and services 147
strategic direction 77
underlying/reported profit 79
Products and services 145
Profit before tax
by country 87, 106, 117, 125
by customer group 66, 67, 70 73, 77 80, 82
by geographical region 86, 88, 95, 98, 103,
108, 114, 118, 122, 126, 133, 137, 142,
413
consolidated 353
data 4
underlying/reported reconciliations 22, 69, 72,
75, 79, 81, 89, 92, 99, 102, 109, 112, 127,
130
Property, plant and equipment 148, 439
accounting policy 379
Provisions 450
accounting policy 382
PVIF 283
Ratios
advances to deposits 246
capital and performance 3
credit coverage 3
cost efficiency 3, 39
earnings to combined fixed charges 56
financial 4
key performance indicators 19
net liquid assets to customer liabilities 246
Regulation and supervision 196
challenges and uncertainties 16
Related party transactions 468
Remuneration committee 312, 334
Renegotiated loans 224
Repricing gap 254
Reputational risk 263
Residual value risk management 261
Rest of Asia-Pacific
balance sheet data 108, 114
business performance 109, 112
challenges and uncertainties 14
customer accounts by country 107
economic briefing 107, 111
lending 211
loan impairment charges/allowances 231, 234,
237, 238
loans and advances to customers 107, 212
principal operations 85
profit/(loss) 106, 114, 413
underlying/reported profit 109, 112
Rights issue 2, 466
accounting policy 385
Risk elements in loan portfolio 241
Risk management 157, 199, 336
appetite 200
capital management and allocation 285
contingent liquidity 247
control culture 201
credit 201
credit spread 255
gap risk 254, 260
governance and ownership 199
insurance operations 265
legal 262
liquidity and funding management 245
market 250
operational 262
pension 263
rating scales 226
reputational 263
residual value 261
scenario stress testing 200
security and fraud 263
sustainability 264
Risk-weighted assets 290