HSBC 2002 Annual Report Download - page 327

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HSBC HOLDINGS PLC
Index
325
Page
1 Financial Highlights
3 Five-Year Comparison
4 Amounts in accordance with US GAAP
5 Cautionary Statement Regarding Forward-
Looking Statements
6 Certain Defined Terms
6 Information about the Enforceability of
Judgements made in the United States
7 Exchange Controls and Other Limitations
Affecting Equity Security Holders
8 Description of Business
8 Introduction
8 Management and resources
9 Strategy
10 History and development
12 Line of Business
14 Geographical regions
25 Competitive environment
28 Employees
28 Regulation and supervision
34 Description of Property
35 Legal Proceedings
36 Financial Review
36 Introduction
37 Summary
54 Analysis by geographical segment
81 Analysis by line of business
96 Critical Accounting Policies
98 UK GAAP compared with US GAAP
98 Future accounting developments
101 Average balance sheet and net interest
income
110 Analysis of changes in net interest income
114 Risk management
114 Credit risk management
133 Liquidity management
135 Market risk management
Page
139 Operational risk management
140 Capital management and allocation
143 Other information
143 Loan maturity and interest sensitivity
analysis
145 Deposits
147 Certificates of deposit and other time
deposits
148 Short-term borrowings
148 Disclosure Controls
149 Board of Directors and Senior Management
153 Report of the Directors
170 Directors’ Remuneration Report
187 Statements of Directors’ Responsibilities in
Relation to Financial Statements
188 Independent auditors’ report to the members of
HSBC Holdings plc
190 Financial Statements
195 Notes on the Financial Statements
314 Taxation of Shares and Dividends
314 Taxation
315 Taxation – US Residents
317 Shareholder Information
317 Financial Calendar 2003
317 Annual General Meeting
317 Second Interim Dividend for 2002
317 Postal Share-Dealing Service
317 Shareholder Enquiries
317 Investor Relations
317 Annual Report and Accounts 2002
318 Where more information about HSBC is
available
318 Nature of trading market
320 Dividends on the ordinary shares of HSBC
Holdings
320 Memorandum and Articles of Association
321 Organisational structure
322 SEC 20-F Cross-Reference Sheet and Glossary