HSBC 2010 Annual Report Download - page 392

HSBC HOLDINGS PLC
Shareholder Information (continued)
Index
390
economic background 76
lending 100, 101
loan impairment charges/allowances 122
loans and advances to customers 101
principal operations 76
profit/(loss) 76, 79, 298
profit/(loss) by country 77
review of performance 76
underlying/reported profit 15
Lease commitments 359
accounting policy 265
Legal
challenges and uncertainties 88
proceedings, investigations and regulatory 82, 365
risk 154
Leveraged finance transactions 138, 364
Liabilities
average balance sheet 18
by geographical region 302
deferred tax 292
maturity analysis 350
other 342
retirement benefit 274
subordinated 346
trading 340
underlying/reported reconciliation 31
Life insurance business 156
Liquidity and funding 140
challenges and uncertainties 88
management of risk 142
insurance 168
policies and procedures 140
primary sources of funding 141
Loans and advances
accounting policy 255
collateral 96
concentration of exposure 98
credit quality of 93
delinquency in the US 112
impairment 118 – 127
modifications and re-ageing 114
past due 117
renegotiated 113
to banks by geographical region 101
to customers by industry sector and geographical
region 99, 100
by country 101
write-off 94
M
Madoff 82, 365
Market capitalisation 3
Market risk 145
insurance 162
sensitivity analysis 149
Maturity analysis of assets and liabilities 350
Maximum exposure to credit risk 95
Middle East
balance sheet data 69, 302
economic background 66
lending 100, 101
loan impairment charges/allowances 119, 122, 125, 126
loans and advances to customers 101, 105
principal operations 66
profit/(loss) 66, 69, 298
review of performance 66
underlying/reported profit 15
wholesale lending 105
Money market funds 363
Monoline insurers 137
Mortgages
lending 107, 111
mortgage-backed securities 131, 136
representations and warranties 139
N
Nomination committee 201
Non-controlling interests 352
Non-interest income
accounting policy 254
Non-life insurance business 156
Non-money market investment funds 364
Non-trading portfolios 148
North America
balance sheet data 74, 302
economic background 71
lending 100, 101
loan delinquency in the US 112
loan impairment charges/allowances 119, 122, 125, 126,
127
loans and advances to customers 101
mortgage lending 108
personal lending 110
principal operations 71
profit/(loss) 71, 74, 298
review of performance 71
underlying/reported profit 15
O
Operating expenses 26
Operating income 23, 273, 303
Operational risk 154
challenges and uncertainties 88
Organisational structure chart 375
Other 47, 303
P
Payment protection insurance 366
Pensions 274
accounting policy 266
defined benefit plans 151, 274
for directors 231
risk 172
Performance and context 220
Personal Financial Services 40
underlying/reported profit 15
Personal lending 106
Pillar 1, 2 and 3 178
Principal activities 10
Products and services 38, 156, 297
Profit before tax
by country 52, 61, 67, 72
by customer group 37, 48, 54, 58, 64, 69, 74, 79
by geographical region 50, 51, 54, 56, 58, 60, 64, 66, 69,
71, 74, 76, 79
consolidated 16
data 16
underlying/reported reconciliations 14
Project Merlin 211
Property, plant and equipment 81, 336
accounting policy 265
Provisions 346
accounting policy 267
PVIF 170
R
Ratios
advances to core funding 142
capital 2, 181
credit coverage 3
cost efficiency 3, 27
dividends per share 2
earnings per share 2
financial 2
key performance indicators 12
performance 3, 302
Regulation and supervision
challenges and uncertainties 90