HSBC 2004 Annual Report Download - page 372

HSBC HOLDINGS PLC
lndex
370
Acceptances (UK/US GAAP differences) 330
Accounting
developments (future) 121
policies (principal) 243
requirements in UK and Hong Kong 321
Accounts (approval) 356
Administrative expenses 250
Annual General Meeting 215, 360
Assets
analysis 298
by customer group 12
by geographical region 15, 58, (total and net)
314
deployment 41
other 280
Associates 273
Assurance fund (UK/US GAAP differences) 322
Audit committee (Group) 205
Auditor 215
report 235
Available for sale securities 347
Bad and doubtful debts 35
credit risk management 135
net charge to profit and loss account 154
provisions 118, 137, 138, 142, 152
suspended and non-accrual interest 139
Balance sheet
average 123 – 130
consolidated 238 – 239
HSBC Holdings 240
Basis of preparation of accounts 243
Business highlights 47
Calendar (financial) 360
Capital
commitments 314
events 191
future developments 174
management and allocation 174
structure 177
Cash flow
analysis of cash 313
consolidated statement 242, 352
reconciliation to operating profit 312
Cautionary statement regarding forward-looking
statements 5
Certificates of deposit and other time deposits
(maturity analysis) 182
Commercial banking
business highlights 51
performance in Europe 64, 68
performance in Hong Kong 75, 78
performance in Rest of Asia Pacific 86
performance in North America 98,102
performance in South America 111,113
product offering 13
Committees (board) 205
Communication with shareholders 212
Competitive environment 16
global factors 16
regional factors 17
Constant currency 2
Consumer finance
business highlights 49
performance in Europe 63, 67
performance in North America 96, 102
product offering 12
Contents frontispiece
Contingent liabilities and commitments 306
Contractual obligations 185
Corporate governance 202
HSBC Holdings/New York Stock Exchange
corporate governance differences 208
Corporate, Investment Banking & Markets
business highlights 53
performance in Europe 64, 68
performance in Hong Kong 76, 79
performance in Rest of Asia Pacific 86, 88
performance in North America 98, 103
performance in South America 110, 113
product offering 14
Corporate social responsibility (CSR) committee
207
Credit risk management 135 – 137, 263
Critical accounting policies 118 – 121
Customer groups 12, 62 – 117
Customer accounts 281
Dealings in HSBC Holdings plc shares 215
Debt securities 268
held in accrual books 42
in issue 282
Deferred taxation
UK/US GAAP differences 327, 348
Defined terms frontispiece
Deposits
average balances and average rates 180
by banks 281
Derivatives (accruals accounted)
UK/US GAAP differences 325, 344
Directors
Biographies 186
board of directors 202, 217
Emoluments 226
Interests 212
Remuneration 216
responsibilities (statement of) 234
service contracts and terms of appointment 223
Dividend income 250
Dividends 261, 360, 363
UK/US GAAP differences 327
Donations 215
Earnings per ordinary share 261, 351
Economic background
Europe 62, 66
Hong Kong 74, 77
Rest of Asia Pacific 84, 87
North America 94, 100
South America 109, 112
Economic profit 42
Employees 11
remuneration policy 216
disabled 214
involvement 214
Enforceability of judgements made in the US 7