HSBC 2012 Annual Report Download - page 542

HSBC HOLDINGS PLC
Shareholder Information (continued)
Index
540
renegotiated 158
to banks by geographical region 167, 182
to customers by industry sector and geographical
region 153, 158, 179, 181
write-off 259
M
Madoff 507
Market Capitalisation 3
Market risk 125, 217, 265
in 2012 218
insurance 239, 275
sensitivity analysis 266
Maturity analysis of assets and liabilities 485
Maximum exposure to credit risk 139, 144, 184
Middle East and North Africa
balance sheet data 102, 431
collateral 164-167
constant currency/reported reconciliation 178
customer accounts 50
economic background 99
lending 140-142, 147, 149, 153, 157, 158, 163-167, 172,
181
loan impairment charges/allowances 169, 170
principal operations 99
profit/(loss) 99, 102, 428
profit/(loss) by country 100
review of performance 99
risk-weighted assets 79
Model risk 136
Money market funds 505
Monoline insurers 189
Mortgages
lending 148, 150
mortgage-backed securities 184, 259
US mortgage-related investigations 508
N
Nomination Committee 329
Non-controlling interests 494
Non-GAAP measures 25
Non-interest income
accounting policy 387
Non-life insurance business 234, 273, 476
Non-money market investment funds 505
Non-trading portfolios 221, 268
North America
balance sheet data 108, 431
collateral 164-167
constant currency/reported reconciliation 178
customer accounts 50
economic background 104
lending 140-142, 147, 149, 153, 158, 163-167, 172, 181
loan impairment charges/allowances 169, 170
mortgage lending 150
pension plans 249, 280
personal lending 151
principal operations 104
profit/(loss) 104, 108, 428
profit/(loss) by country 105
review of performance 105
risk-weighted assets 79
Notable items 31, 32
O
Operating expenses 28, 42, 85
Operating income 2, 39
Operating profit 408
Operating model 15
Operational risk 125, 227, 270
in 2012 228
losses/incidents 229, 230
Ordinary shares 45
Organisational structure chart 521
Other 74, 432
Outlook 7, 11
P
Payment protection insurance 479
Pension plans
accounting policy 400
defined benefit plans 246, 269, 365, 413, 415
for directors 365
risk 126, 224, 246, 279
Performance 9, 81, 88, 94, 99, 105, 111, 348
Personal lending 130, 140, 147, 164
Pillar I, II and III 295
Ping An 472
Preference shares 340
Preferred securities 480
Principal activities 13
Products and services 60, 427
Profit before tax
by country 82, 88, 94, 100, 105, 112
by geographical region 79, 81, 88, 97, 99, 104, 111, 428
by global business 58, 76, 86, 91, 97, 102, 108, 115
consolidated 29, 372
constant currency/reported reconciliation 26
data 2
underlying 2
Property plant and equipment 118, 467
accounting policy 399
Provisions 478
accounting policy 57, 402
PVIF 243
R
Ratios
advances to core funding 23, 205
capital 2, 287
core tier 1 (CET1) 2, 23, 289, 290
cost efficiency 3, 23, 43, 81, 88, 93, 99, 104, 111
credit coverage 3
customer accounts 2
dividend payout 29
dividends per share 2, 24
earnings per share 2, 23, 29, 426
key performance indicators 22
net assets per share 2, 45
performance 3
risk adjusted revenue growth 24
return on average ordinary shareholders’ equity 3, 23, 29
return on average total assets 3, 29
stressed coverage ratios 205, 262
total equity 2
Reconciliation of reported and underlying items 28
Redenomination risk 201
Regulatory reform 5
Related party transactions 512
Remuneration
clawback 353
committee 329
in 2012 354
key metrics 348
letter 347
members 349
policy 336, 351
report 347
reward strategy 335, 347
structure 347
variable pay pool 348, 352
Renegotiated loans 158, 254
Representations and warranties 191
Repricing gap 226
Reputational risk 126, 246, 278
Rest of Asia-Pacific
balance sheet data 97, 431
collateral 164-167