HSBC 2015 Annual Report Download - page 496

Shareholder information (continued)
Index
HSBC HOLDINGS PLC
494
methodologies 202
reported/adjusted reconciliation 49
Income statement (consolidated) 50, 337
Information on HSBC (availability thereof) 473
Insurance
accounting policy 359, 360
asset and liability matching 181
balance sheet of manufacturing subsidiaries 181
bancassurance model 180
claims incurred (net) and movements in liabilities to policyholders 57,
360
in 2015 181
net earned premium income 56, 359
products 219
PVIF business 411
reinsurers’ share of liabilities 187
risk 107, 180, 188, 219, 223
sensitivities to non-economic assumptions 188
Intangible assets 410
accounting policy 410
movements 413
Interest income/expense (net) 51
accounting policy 358
average balance sheet 51
sensitivities 12, 216
Interest rate derivatives 422
Interim results 472
Internal control 275
effectiveness 277
Internet crime 43
IFRSs and Hong Kong Financial Reporting Standards comparison 347
Investor relations 473
J
Jaws 27
Joint ventures 405
K
Key management personnel 455
Key performance indicators 19
L
Latin America
adjusted performance 3
adjusted/reported reconciliation 77
balance sheet data 94, 376
collateral 139
country/business highlights 33
customer accounts 63
financial overview 33
goodwill 407
impaired loans 128
lending 123, 124, 127, 137, 139, 147, 391
loan impairment charges/allowances 33, 132, 134
mortgage loans 147
operating expenses 92
personal lending 143
principal operations 92
profit 33, 76
profit/(loss) by country 93
renegotiated loans 130
reverse repos 143
risk-weighted assets 3
staff numbers 60, 92
total assets 76
wholesale lending 136
Lease commitments 442
accounting policy 442
Legal
litigation and conduct 332
proceedings and regulatory matters 445
risk 218
Lending – combined view 62
Leverage ratio 239, 246
Liabilities
average balance sheet 51
by geographical region 376
deferred tax 371
financial accounting/regulatory reconciliations 236
five years 61
maturity analysis 426
movement in 2015 62
offsetting 434
subordinated 423
total 61, 339
trading 417
under insurance contracts 419
Libor, Euribor and other rates investigations 451
LICs 22, 25, 49, 57
by geographical regions 33, 77
by global business 28, 29, 30
reported/adjusted reconciliation 49, 66, 77
Liquidity and funding 154, 204
assets 157, 206
behaviouralisation 207
contingent liquidity risk 159
description 105
funds transfer pricing 207
in 2015 155
insurance 187, 222
management of risk 156, 204
net contractual cash flows 158
policies and procedures 204
regulation 155
sources of funding 159, 204
Loans and advances
accounting policy 354
by country 151
by geographical region 123, 124
by industry over five years 148
collateral 138, 147, 202
commercial real estate 137
concentration of exposure 123
credit quality of 125
impairment 121
in held for sale 122
past due but not impaired 127
renegotiated 129
to banks 354, 391
to customers 26, 121, 354, 391
write-off 201
Loan Management Unit 202
M
Madoff 446
Market risk 166, 210
balance sheet linkages 170
description 105
governance 211
in 2015 167
insurance 184
measures 212
risk-weighting assets 232
sensitivity analysis 172, 173
capital and reserves 173
net interest income 172
Material risk takers 321
Maturity analysis of assets and liabilities 426
Maximum exposure to credit risk 122
Metals and mining 117
Middle East and North Africa
adjusted performance 3
adjusted/reported reconciliation 77
balance sheet data 87, 376
collateral 139
country/business highlights 33
customer accounts 63
financial overview 33
goodwill 407
impaired loans 128
lending 123, 124, 127, 137, 139, 147, 391
loan impairment charges/allowances 132, 134
mortgage loans 147
operating expenses 86
personal lending 143
principal operations 86
profit 33, 76, 86
profit/(loss) by country 86
renegotiated loans 130
reverse repos 143