2014 2014 5 7 10 www.hsbc.com 2014 5 7 5 10 5 http://www.hsbc.com/1/2/investorrelations Stuart Gulliver Iain Mackay HSBC / +44 (0) 1452 584 928 0800 279 5983 +1 917 503 9902 1866 629 0054 +852 3077 4624 800 933 234 2014 6 6 23525015# +44 (0) 1452 550 000 +44 (0) 8443 386 600 0800 953 1533 +1 631 510 7499 1866 247 4222 +852 5808 5558 800 901 393 Guy Lewis Heidi Ashley +44 (0) 20 7992 1938 +44 (0) 20 7992 2045 Hugh Pye Gareth Hewett +852 2822 4908 +852 2822 4929 1
2014... 3... 12... 5... 13... 6... 14 4... 6... 15.. 6 /... 18... 7... 19 2014 3 31 10... 24.. 11... 29.. 11... 29 2013 / 2014 2013 / 2014 2013 2013 4 4 IAS Solitaire Funding Limited 2013 12 31 2.5 2014 1 1 4 / / 75 6,300 2014 3 31 27,580 2
2014 2014 67.85 2013 84.34 20% 2014 9.68 66.21 2013 75.89 13% 7.41 10.76 3.35 2014 0.27 0.1 0.34 0.1 3.2 11.7% 14.9% 2014 2014 157.09 171.35 8% 10.76 2% 3.5 2014 2014 88.43 90.14 2% 2% 2014 4 2013 12 31 10.8% 10.7% 10.9% 10.8% 2014 3 31 2013 3 31 % 1... 6,785 8,434 (20)... 6,621 7,589 (13)... 5,069 6,211 (18)... 55.7% 50.8% (10)... 2.3% 3.1% (26) 2014 3 31 2013 12 31 2 4... 10.7% 10.8%... 10.8% 10.9% 2.5... 13.6% 2013 12 31 2014 3 31... 1,009,830 992,089 17,741... 1,366,034 1,361,297 4,737 4... 1,257,672 1,214,939 42,733 1 説 聯 7 2 4 閲 6 3
2014 2014 3 31 2013 3 31 1... 15,884 18,416... (798) (1,171)... (8,852) (9,347)... 6,785 8,434... 6,785 8,434... (148) 243... (1,089) Bao Viet Holdings... (104) Household Insurance Group... 99... (18)... 2 73... (67)... 6,621 7,589 1... 15,709 17,135... (796) (1,072)... (8,843) (9,014)... 6,621 7,589 2014 3 31 2013 3 31 1 2... 553 3... (279)... 442... 31 472... (142) 84... (199) HFC Bank UK... (138)... (30)... (141) 935... 83 164... 83 113... 40 75... 119... 100... 123 458 1 2 5.53 3 2013 HSBC Private Bank Holdings (Suisse)SA 4
2014 2011 11.7% 5
2014 2014 1 1 4 4 2014 1 1 2014 3 31 2.5 2013 12 31 4 閲 2013 324 2014 2013 2013 3 31 3 31 12 31 % %... 15,884 18,416 (14) 15,195 5 1... (294) (107)... (148) 243 652... (27) (1,230) (1,120)... 15,709 17,135 (8) 14,620 7 2014 2013 2013 3 31 3 31 12 31 % %... (798) (1,171) 32 (1,140) 30 1... 75 29... 2 24 6... (796) (1,072) 26 (1,105) 28 6
2014 2014 2013 2013 3 31 3 31 12 31 % %... (8,852) (9,347) 5 (10,573) 16 1... 141 44... 9 192 36... (8,843) (9,014) 2 (10,493) 16... 56.3% 52.6% 71.8% 2014 2013 2013 3 31 3 31 12 31 % %... 6,785 8,434 (20) 3,964 71 1... (67) (35)... (148) 243 652... (16) (1,021) (1,081)... 6,621 7,589 (13) 3,500 89 1 論 2014 2013 2014 68 2013 16 20% 2013 11 2014 1 2013 2 2013 10 13% 2014 159 2013 25 14 157 8% 2013 5.53 4.42 2.79 1.99 HFC Bank UK 1.38 2014 3,100 2013 4.72 1.42 2013 8,400 3,000 4 7
2014 3 2013 1 2 4% 1 2 2013 1 2014 89 2013 5% 2 2013 1.19 2013 1 2013 1.64 8,300 3,500 2% 1 2 8 2013 4 3 來 3 2013 4.9 55.7% 3.7 56.3% 255,200 2013 12 31 1,100 18.8% 21.5% 2013 15.7% 2014 5 7 2014 0.1 8
2014 2014 2013 2013 10 1,800 2013 28 71%2014 1 2013 7 2013 31 89% 2014 159 2013 5% 11 7% 2013 2013 3 2 2013 1 2014 17 16 2013 9 3 3 177 22 2014 列 來 4 2014 1 1 3 2014 4 2013 12 31 10.8% 10.7% 10.9% 10.8% 4 45 2014 1 1 4 RWA 1,222 250% 爲 173 171 73 23 内 101 内 48 9
2014 46 60 82 2013 2013 2013 2013 2013 2013 2014331 狀 4 10
2014 2014 3 31 2013 3 31 說 2014 3 31 數 2013 12 31 數 狀 參 2013 IAS 32 IAS 32 2014 年 1 1 2014... 倫 黎... 紐... 錄... 錄 倫 紐 黎...... 2014 年 8 4 2014 年 8 20 2014 年 8 20 2014 年 8 21 2014 年 8 22 2014 年 10 9 狀 參 若 狀 念 例 料 理 類 行 不 / 易 料 金 不 朗 離 狀 不 例 惡 率 利率 流 不 流 不 力 行 金 流 金 不利 度 / 利 金 金狀 不利 理 例 行 金 利率 金 更 金 聯 流 金 行 降 金 例 例 更 例 不利 不 律 不 朗 律行 行金 行 更 烈 識 例 理 理 理 力 律 11
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 8,721 9,006 8,714 8,851 8,968... 4,046 3,993 4,037 4,159 4,245... 2,280 1,045 1,283 2,519 3,843... 203 (275) 466 38 (1,457) /... 305 793 981 (331) 553 /... 508 518 1,447 (293) (904)... 184 136 20 246 1,610... 24 44 171 73 34... 3,136 2,665 3,049 3,054 3,172... 328 1,213 473 (55) 1,001... 19,227 18,620 19,194 18,554 21,969... (3,343) (3,425) (4,116) (2,598) (3,553)... 15,884 15,195 15,078 15,956 18,416... (798) (1,140) (1,593) (1,945) (1,171)... 15,086 14,055 13,485 14,011 17,245... (8,852) (10,573) (9,584) (9,052) (9,347)... 6,234 3,482 3,901 4,959 7,898... 551 482 629 678 536... 6,785 3,964 4,530 5,637 8,434... (1,275) (995) (1,045) (1,401) (1,324)... 5,510 2,969 3,485 4,236 7,110... 5,211 2,720 3,200 3,931 6,353 299 249 285 305 757... 0.27 0.14 0.16 0.20 0.34... 0.27 0.14 0.16 0.20 0.33... 0.10 0.19 0.10 0.10 0.10 % % % % %... 11.7 5.9 7.2 9.1 14.9... 2.3 1.4 1.6 2.1 3.1... 55.7 69.6 63.6 56.7 50.8 12
2014 2014 3 31 2013 12 31 2013 6 30... 165,838 166,599 148,285... 355,193 303,192 432,601... 39,874 38,430 35,318... 270,353 282,265 299,213... 205,332 179,690 88,400... 129,530 120,046 127,810... 1,009,830 992,089 938,294... 418,178 425,925 404,214... 3,936 4,050 20,377... 160,383 159,032 150,804... 2,758,447 2,671,318 2,645,316... 218,379 164,220 66,591... 89,492 86,507 92,709... 1,366,034 1,361,297 1,266,905... 241,455 207,025 342,432... 87,767 89,084 84,254... 260,991 274,284 293,669... 102,395 104,080 109,389... 76,055 74,181 69,771... 2,003 2,804 19,519... 121,428 117,377 117,716... 2,565,999 2,480,859 2,462,955... 183,945 181,871 174,070... 8,503 8,588 8,291... 192,448 190,459 182,361... 2,758,447 2,671,318 2,645,316... 73.9% 72.9% 74.1% 13
2014 4 2.5 2014 3 31 2013 12 31 2013 12 31 2013 6 30 1... 183,945 181,871 181,871 174,070... 3,564 3,644 4,955 4,754... (15,839) (18,313) (7,942) (8,076)... (36,932) (35,969) (29,833) (29,858) /... 134,738 131,233 149,051 140,890... 14,552 14,573 16,110 15,790... (165) (165) (7,006) (6,538)... 149,125 145,641 158,155 150,142... 39,356 35,786 47,812 45,009... (248) (248) (11,958) (11,701)... 188,233 181,179 194,009 183,450... 1,257,672 1,214,939 1,092,653 1,104,764 % % % %... 10.7 10.8... 13.6 12.7... 11.9 12.0 14.5 13.6... 15.0 14.9 17.8 16.6 1 2014 3 31 4 2014 3 31 2013 12 31... 134,738 131,233... 1,273 1,281... 136,011 132,514... 14,387 14,408 :... (1,160) (1,160)... (1,955) (1,955)... (10,727) (10,727) :... (335) (366)... 165 165... 375 365... 39,108 35,538 :... (2,218) (2,218)... (21,513) (21,513) :... (240) (240)... 288 345... (165) (165)... 15,260 11,747 14
2014 4 2014 1 1 4... 132.5 1,214.9... 5.1 1... (1.7) 2 1.1... (0.2) 34.4... 7.6... (0.8) 0.8 2014 3 31 4... 136.0 1,257.7 1 2014 2 2013 4 2.5 2014 3 31 2013 12 31 2013 12 31... 965.9 936.5 864.3... 107.2 95.8 45.8... 66.2 63.4 63.4... 118.4 119.2 119.2 1,257.7 1,214.9 1,092.7 4 2.5 2014 3 31 2013 12 31... 226.6 233.5... 414.6 391.7... 553.5 422.3... 23.2 21.7... 39.8 23.5 1,257.7 1,092.7 4 2.5 2014 3 31 2013 12 31 1... 1,257.7 1,092.7... 401.1 300.1... 475.5 430.7... 64.3 62.5... 243.3 223.8... 94.6 89.5 1 15
2014 2014 3 31... 220.8 208.4 13.1 158.8 11.1 612.2... 10.1 4.1 14.2... 46.2 167.1 39.7 29.4 57.1 339.5 277.1 375.5 56.9 188.2 68.2 965.9 2013 12 31... 157.1 182.9 11.2 161.5 8.5 521.2... 9.8 3.8 13.6... 44.5 165.9 40.0 22.7 56.4 329.5 211.4 348.8 55.0 184.2 64.9 864.3 2014 3 31... 125.4 197.2 257.2 11.6 20.8 612.2... 6.5 6.4 0.1 1.2 14.2... 63.2 178.1 73.9 6.8 17.5 339.5 188.6 381.8 337.5 18.5 39.5 965.9 2013 12 31... 131.0 183.2 192.8 10.4 3.8 521.2... 6.3 5.8 0.1 1.4 13.6... 63.7 169.3 71.6 6.9 18.0 329.5 194.7 358.8 270.2 17.4 23.2 864.3 2.5 2014 1 1... 166.9 182.9 15.0 161.5 8.5 534.8 兑... 2.3 0.6 (0.9) (0.5) 1.5... (0.2) (0.1) (0.3)... 3.1 2.5 (0.2) 0.7 0.9 7.0... (1.5) 2.3 0.5 (1.7) 0.3 (0.1)... 14.9 0.3 (4.9) 10.3... /... 14.9 0.3 (4.9) 10.3... 45.4 19.8 1.9 4.1 2.0 73.2... (2.2) (5.5) (2.4) (10.1)... 2.2 6.7 0.2 0.7 0.1 9.9 4... 37.0 5.7 0.4 4.9 0.2 48.2... 8.4 12.9 1.3 0.9 1.7 25.2... 64.0 25.5 2.2 (2.7) 2.6 91.6 4 2014 3 31... 230.9 208.4 17.2 158.8 11.1 626.4 16
2014 2.5 2013 1 1... 150.7 162.3 12.6 187.1 11.2 523.9 兑... (6.5) (0.4) (0.3) (0.6) 0.1 (7.7)... (1.4) (1.4)... 3.9 4.7 0.9 (4.4) (0.3) 4.8... (0.4) 0.7 1.9 (2.8) 0.1 (0.5)... (0.2) (0.2)... /... (0.2) (0.2)... 4.7 6.4 11.0 22.1... 2.3 0.8 3.1... 2.4 6.4 10.2 19.0... 0.3 11.4 2.5 3.0 (0.1) 17.1 2.5 2013 3 31... 151.0 173.7 15.1 190.1 11.1 541.0 2.5 2014 1 1.. 58.4 72.6 131.0 189.5 198.5 10.6 5.2 534.8 兑.. (0.1) (0.1) 0.4 1.2 1.5.. (0.3) (0.3).. 1.1 (1.3) (0.2) 4.3 3.1 (0.2) 7.0.. (1.1) (2.0) (3.1) 2.1 0.7 (0.1) 0.3 (0.1).. 0.3 (4.9) (4.6) 9.2 5.4 0.3 10.3... /.. 0.3 (4.9) (4.6) 9.2 5.4 0.3 10.3.... 2.4 2.4 (1.8) 55.0 1.1 16.5 73.2...... (2.6) (2.6) (5.6) (1.9) (10.1) 2.7 6.5 0.5 0.2 9.9 4. (0.7) 48.6 0.2 0.1 48.2. 5.0 5.0 1.8 1.8 0.4 16.2 25.2.. 2.6 (8.2) (5.6) 14.2 65.1 1.1 16.8 91.6 4 2014 3 31.. 61.0 64.4 125.4 203.7 263.6 11.7 22.0 626.4 2014 2013 1 1.. 42.2 45.7. 3.4 (0.4). (0.4) (0.5). 2.2. 7.5 (0.4). (0.6) (0.4). 8.1 4. 40.9. 53.6 (1.3) 3 31 95.8 44.4 2014 2013 1 1.. 52.2 44.5. (0.5) (6.3).. 0.5 2.3. 0.5. 2.3. (4.0) 3 31 52.2 40.5 17
2014 2013 www.hsbc.com 2014 3 2013 12 31 31... 2,758 2,671 IFRSs... 75 93... (498) (482)... (270) (282)... (228) (200)... 387 386... 229 239... 158 147... 400 388... (30) (28)... 3,092 3,028 4... 136 133... 4.4% 4.4% 4 3... 151 149 3... 4.9% 4.9% / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 1,712 1,797 1,585 1,700 1,567... 2,420 2,426 1,882 1,946 2,187... 2,871 1,866 1,852 2,135 3,588... 201 101 (16) 233 (125)... (419) (2,226) (773) (377) 1,217 6,785 3,964 4,530 5,637 8,434... 1,760 (898) (45) 973 1,795... 3,764 2,991 3,600 3,748 5,514... 502 406 379 385 524... 449 179 376 526 140... 310 1,286 220 5 461 6,785 3,964 4,530 5,637 8,434 18
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 6,244 6,810 6,641 6,576 6,713... (604) (686) (773) (878) (890)... 5,640 6,124 5,868 5,698 5,823... (4,016) (4,421) (4,376) (4,112) (4,339)... 1,624 1,703 1,492 1,586 1,484... 88 94 93 114 83... 1,712 1,797 1,585 1,700 1,567 1,762 1,865 1,483 1,614 1,887 1... (50) (68) 102 86 (320) 1 2013 3 31 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 1,712 1,797 1,585 1,700 1,567... 2 11 49 (8)... (5) (313) (4) (14) 88... 1,707 1,486 1,592 1,735 1,647 % % % % %... 64.3 64.9 65.9 62.5 64.6... 3.0 3.0 2.6 2.7 2.4 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 1,762 1,865 1,483 1,614 1,887... 2 11 49 (8)... (5) (313) (4) (14) (32)... 1,757 1,554 1,490 1,649 1,847 19
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 4,010 4,517 3,985 3,930 3,933... (197) (543) (681) (802) (358)... 3,813 3,974 3,304 3,128 3,575... (1,739) (1,878) (1,834) (1,611) (1,726)... 2,074 2,096 1,470 1,517 1,849... 346 330 412 429 338... 2,420 2,426 1,882 1,946 2,187 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 2,420 2,426 1,882 1,946 2,187... (5) 25 (13)... (7) (486) (11) (21) (21)... 2,413 1,935 1,871 1,950 2,153 % % % % %... 43.4 41.6 46.0 41.0 43.9... 2.4 2.4 1.9 2.1 2.3 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 1... 686 713 757 746 713... 1,494 1,541 1,554 1,520 1,488 1... 1,322 1,363 1,345 1,304 1,275... 508 900 329 360 457 2... 4,010 4,517 3,985 3,930 3,933. 1 2 20
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 5,160 4,294 4,220 4,846 5,816 /... (3) 85 (118) (219) 45... 5,157 4,379 4,102 4,627 5,861... (2,397) (2,585) (2,368) (2,619) (2,388)... 2,760 1,794 1,734 2,008 3,473... 111 72 118 127 115... 2,871 1,866 1,852 2,135 3,588 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 2,871 1,866 1,852 2,135 3,588... (32) (25) (40) (26)... (5) (324) (69) 10 (19)... 2,866 1,510 1,758 2,105 3,543 % % % % %... 46.5 60.2 56.1 54.0 41.1... 2.4 1.8 1.7 2.0 3.6 1,2 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 2,225 1,290 1,575 1,839 2,231... 347 154 154 183 305... 631 40 507 377 729... 803 693 660 962 871... 444 403 254 317 326... 997 977 975 988 1,054... 444 472 436 439 423... 413 407 408 442 405... 187 181 189 191 180... 750 719 711 704 976... 94 165 142 172 33... 31 (195) (151) (21) 472... 19 278 (65) 92 42 3. 5,160 4,294 4,220 4,846 5,816 1,992 1,312 1,432 1,765 2,525 1,883 1,640 1,640 1,765 1,943 253 202 216 197 212 678 541 606 746 774 399 654 369 390 402. (45) (55) (43) (17) (40) 3.. 5,160 4,294 4,220 4,846 5,816 1 2013 8 12 2 3 21
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31... 633 630 658 707 444 /... 5 4 (21) (7) (7)... 638 634 637 700 437... (441) (537) (657) (469) (566) /... 197 97 (20) 231 (129)... 4 4 4 2 4 /... 201 101 (16) 233 (125) / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 /... 201 101 (16) 233 (125)... 1 2 4 1... (1) /... 201 101 (14) 237 (124) % % % % %... 69.7 85.2 99.8 66.3 127.5... 3.6 1.8 (0.3) 4.3 (2.3) 1 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 195 197 205 203 214 109 108 106 104 106... 65 65 65 64 67.... 12 12 14 15 16 381 382 390 386 403 1 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 382 390 386 403 398 (2) (11) (5) (9) (1) 3 5 7 (7) 7 (2) (2) 2 (1) (1) 381 382 390 386 403 1 22
2014 1 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 1,217 492 1,009 1,329 2,821... 148 (652) (575) 224 (243) /.. 1 (39) 39 1,218 492 1,009 1,290 2,860 (1,639) (2,700) (1,784) (1,673) (1,639) /... (421) (2,208) (775) (383) 1,221 /... 2 (18) 2 6 (4) /... (419) (2,226) (773) (377) 1,217 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 /... (419) (2,226) (773) (377) 1,217 (1) (3) (22) (21) (148) 652 575 (224) 243 1 43 14 (1,069) /... (566) (1,532) (187) (623) 370 1 23
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 5,852 4,628 4,865 5,506 5,968 (116) (166) (518) (656) (190) 5,736 4,462 4,347 4,850 5,778 (3,978) (5,361) (4,390) (3,878) (3,984) /.. 1,758 (899) (43) 972 1,794 /.. 2 1 (2) 1 1 /.. 1,760 (898) (45) 973 1,795 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 /.. 1,760 (898) (45) 973 1,795 19 38 97 101 (149) 537 482 (157) 154 (40) 20 2 /.. 1,611 (342) 435 933 2,052 % % % % % 68.0 115.8 90.2 70.4 66.8. 2.0 (1.2) (0.1) 1.3 2.4 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 /... 1,358 (1,266) 206 560 1,660 17 39 92 96 (152) 545 464 (147) 148 (40) 20 2 /.. 1,206 (704) 669 525 1,906 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 515 442 355 556 400 746 640 362 541 545 824 37 196 232 1,336 98 55 (106) 128 (242) (423) (2,072) (852) (484) (244) /.. 1,760 (898) (45) 973 1,795 24
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 5,873 5,416 5,725 5,705 7,586 (104) (157) (143) (118) (80) 5,769 5,259 5,582 5,587 7,506 (2,428) (2,617) (2,507) (2,401) (2,411) 3,341 2,642 3,075 3,186 5,095 423 349 525 562 419 3,764 2,991 3,600 3,748 5,514 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 3,764 2,991 3,600 3,748 5,514 (11) (5) (49) (68) 2 (3) 2 35 4 4 (1,129) 3,764 3,015 3,601 3,700 4,319 % % % % % 41.3 48.3 43.8 42.1 31.8. 3.4 2.8 3.4 3.7 5.5 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 2,107 1,812 2,072 2,047 2,158 (1) (3) 2 1 2,107 1,811 2,069 2,049 2,159 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 1,156 1,042 1,079 1,059 1,239 1,154 979 1,169 1,196 1,114 1,295 1,000 1,069 1,230 1,376 70 33 74 85 92 89 (63) 209 178 1,693 3,764 2,991 3,600 3,748 5,514 25
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 652 607 643 621 632 /.. 22 48 (53) (15) 62 674 655 590 606 694 (295) (365) (308) (335) (281) 379 290 282 271 413 123 116 97 114 111 502 406 379 385 524 列 利 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 列 利 502 406 379 385 524 (1) 1 (4) 5 1 2 (2) 3 利 507 406 381 384 523 % % % % % 45.2 60.1 47.9 53.9 44.5. 3.2 2.5 2.3 2.4 3.3 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 82 19 59 90 90 181 164 130 159 192 244 239 219 155 256 4 5 4 2 5 (9) (21) (33) (21) (19) 502 406 379 385 524 26
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 2,061 1,979 2,192 2,336 2,296 (173) (238) (263) (249) (447) 1,888 1,741 1,929 2,087 1,849 (1,442) (1,578) (1,562) (1,562) (1,714) 446 163 367 525 135 3 16 9 1 5 449 179 376 526 140 列 利 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 列 利 449 179 376 526 140 (12) (14) (13) (24) (4) 114 89 (62) 84 (17) 120 利 445 281 434 451 320 % % % % % 70.0 79.7 71.3 66.9 74.7. 0.8 0.3 0.6 0.9 0.2 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 (14) (95) 58 110 (280) 36 (27) (44) 24 40 1. (50) (68) 102 86 (320) 233 244 225 131 186 262 85 150 313 381 28 11 14 16 16 (60) (66) (71) (44) (163).... 449 179 376 526 140 1 2013 3 31 27
2014 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 2,130 3,314 2,296 2,453 2,505 (427) (627) (616) (907) (516) 1,703 2,687 1,680 1,546 1,989 (1,393) (1,401) (1,460) (1,541) (1,528) 310 1,286 220 5 461 310 1,286 220 5 461 列 利 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 列 利 310 1,286 220 5 461 (30) (34) (20) (72) (16) (1,116) (17) (49) (14) 利 /... 294 140 169 (64) 375 % % % % % 65.4 42.3 63.6 62.8 61.0. 1.4 5.4 0.9 1.9 / 2014 3 31 2013 12 31 2013 9 30 2013 6 30 2013 3 31 (27) 389 34 (115) 118 106 399 (4) (81) 150 246 505 218 205 239.... 1 (3) (2) 2 4 (16) (4) (26) (6) (50) 310 1,286 220 5 461 28
% 2014 3 31... 192,554 126,018 6,475 69,746 15,007 409,800 40.0... 141,385 93,175 2,521 58,554 4,244 299,879 29.3... 51,169 32,843 3,954 11,192 10,763 109,921 10.7... 245,330 211,809 19,296 52,107 31,285 559,827 54.7... 60,191 32,728 2,506 12,547 13,012 120,984 11.8... 76,770 79,031 9,255 12,430 8,306 185,792 18.1... 30,420 34,830 559 6,157 2,503 74,469 7.3... 8,458 28,625 1,391 8,370 327 47,171 4.6... 2,591 1,065 1,449 569 1,018 6,692 0.7... 66,900 35,530 4,136 12,034 6,119 124,719 12.2... 29,862 10,032 2,580 7,854 1,540 51,868 5.1... 27,620 9,643 2,579 7,854 1,359 49,055 4.8... 2,242 389 1 181 2,813 0.3... 2,472 139 2,611 0.2 1... 470,218 347,859 28,351 129,846 47,832 1,024,106 100.0 2013 12 31... 192,107 124,529 6,484 72,690 14,918 410,728 40.8... 140,474 92,047 2,451 60,955 3,948 299,875 29.8... 51,633 32,482 4,033 11,735 10,970 110,853 11.0... 239,116 203,394 19,760 50,306 30,188 542,764 53.8... 55,920 30,758 3,180 11,778 12,214 113,850 11.3... 77,113 79,368 8,629 11,676 8,295 185,081 18.4... 31,326 34,560 639 5,900 2,421 74,846 7.4... 7,308 27,147 1,333 8,716 328 44,832 4.4... 3,340 1,021 1,443 498 974 7,276 0.7... 64,109 30,540 4,536 11,738 5,956 116,879 11.6... 27,872 10,188 2,532 9,056 1,376 51,024 5.1... 26,315 9,858 2,532 9,056 1,277 49,038 4.9... 1,557 330 99 1,986 0.2... 2,578 138 2,716 0.3 1... 461,673 338,111 28,776 132,190 46,482 1,007,232 100.0 2013 6 30... 173,270 120,822 6,377 78,959 15,081 394,509 41.4... 127,434 90,080 2,296 66,277 3,561 289,648 30.4... 45,836 30,742 4,081 12,682 11,520 104,861 11.0... 211,128 198,075 21,416 48,327 30,451 509,397 53.4... 46,202 30,244 3,409 9,609 12,128 101,592 10.6... 66,317 77,798 9,458 13,082 7,771 174,426 18.3... 30,764 33,416 898 6,064 2,328 73,470 7.7... 7,403 23,715 1,526 7,725 285 40,654 4.3... 1,834 3,220 1,664 348 1,431 8,497 0.9... 58,608 29,682 4,461 11,499 6,508 110,758 11.6... 26,896 8,931 1,822 7,470 1,364 46,483 4.8... 25,362 8,171 1,821 7,470 1,273 44,097 4.6... 1,534 760 1 91 2,386 0.2... 3,319 147 3,466 0.4 1... 414,613 327,828 29,615 134,903 46,896 953,855 100.0 1 2014 3 31 1,013.96 2013 12 31 882.15 2013 6 30 310.88 2014 3 31 1,002.21 2013 12 31 871.57 2013 6 30 306.8 29
HSBC HOLDINGS PLC DATA PACK 1Q 2014 The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significant accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC.
HSBC HSBC Holdings plc Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Net interest income/(expense) 8,721 9,005 8,714 8,851 8,968 Net fee income/(expense) 4,046 3,993 4,037 4,157 4,245 Net trading income/(expense) 2,280 1,045 1,283 2,521 3,843 Other income/(expense) 837 1,152 1,044 427 1,360 Net operating income/(expense) before loan impairment charges and other credit risk provisions 15,884 15,195 15,078 15,956 18,416 Loan impairment (charges)/recoveries and other credit risk provisions (798) (1,140) (1,593) (1,945) (1,171) Net operating income/(expenses) 15,086 14,055 13,485 14,011 17,245 Total operating expenses (8,852) (10,573) (9,584) (9,052) (9,347) Operating profit/(loss) 6,234 3,482 3,901 4,959 7,898 Share of profit/(loss) in associates and joint ventures 551 482 629 678 536 Profit/(loss) before tax 6,785 3,964 4,530 5,637 8,434 Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax 6,785 3,964 4,530 5,637 8,434 Currency translation adjustment (35) (15) 16 (67) Own credit spread (148) 652 575 (224) 243 Gain/(loss) on disposal or dilution (18) (1,084) (70) (36) (1,112) Trading contributions of disposals and dilutions 2 3 11 91 Underlying profit/(loss) before tax 6,621 3,500 5,020 5,404 7,589 Significant items Revenue Nonqualifying hedges (142) 50 168 209 84 Loss on sale of HFC Bank UK secured loan portfolio (8) (138) Loss on termination of cash flow hedges in CML (199) Gain/(loss) on sale of several tranches of real estate secured accounts (30) (125) 3 (1) Loss on writeoff of goodwill relating to Monaco business (279) DVA adjustments 30 (195) (151) (21) 472 FX gains relating to the sterling debt issued by HSBC Holdings to HSBC Bank plc 442 Net gain recognised on completion of the Ping An sale 553 (142) (278) 20 187 935 Operating expenses UK customer redress charges (83) (395) (428) (248) (164) Restructuring and related costs (40) (87) (158) (163) (75) UK accounting gain on changes in illhealth benefits 430 US customer remediation provision relating to CRS (100) Litigation provision in GB&M Europe (Thema / Madoff) (298) Provision for regulatory investigations in GPB (35) (198) (119) UK bank levy (907) (9) Balance sheet data (123) (1,424) (784) (288) (458) At 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Loans and advances to customers (net) 1,009,830 992,089 977,047 938,294 926,225 Customer accounts 1,366,034 1,361,297 1,317,707 1,266,905 1,272,526 US$bn US$bn US$bn US$bn US$bn Riskweighted assets 1,257.7 1,092.7 1,098.9 1,104.8 1,097.8 The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significant accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value. RWAs at 31 March 2014 are calculated and presented on a CRD IV basis. Prior periods are on a Basel 2.5 basis.
HSBC Banking and Wealth Management Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Net interest income/(expense) 4,352 4,518 4,511 4,561 4,748 Net fee income/(expense) 1,629 1,715 1,721 1,812 1,773 Net trading income/(expense) 24 228 184 267 8 Other income/(expense) 239 349 225 (64) 184 Net operating income/(expense) before loan impairment charges and other credit risk provisions 6,244 6,810 6,641 6,576 6,713 Loan impairment (charges)/recoveries and other credit risk provisions (604) (686) (773) (878) (890) Net operating income/(expenses) 5,640 6,124 5,868 5,698 5,823 Total operating expenses (4,016) (4,421) (4,376) (4,112) (4,339) Operating profit/(loss) 1,624 1,703 1,492 1,586 1,484 Share of profit/(loss) in associates and joint ventures 88 94 93 114 83 Profit/(loss) before tax 1,712 1,797 1,585 1,700 1,567 Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax 1,712 1,797 1,585 1,700 1,567 Currency translation adjustment 2 11 49 (8) Gain/(loss) on disposal or dilution (7) (320) (6) (22) (5) Trading contributions of disposals and dilutions 2 7 2 8 93 Underlying profit/(loss) before tax 1,707 1,486 1,592 1,735 1,647 Significant items Revenue Nonqualifying hedges (80) 44 2 155 61 Loss on sale of HFC Bank UK secured loan portfolio (8) (138) Loss on termination of cash flow hedges in CML (199) Gain/(loss) on sale of several tranches of real estate secured accounts (30) (125) 3 (1) (110) (89) 5 154 (276) Operating expenses UK customer redress charges (83) (247) (294) (248) (164) Restructuring and related costs (8) (8) (74) (70) (15) UK accounting gain on changes in illhealth benefits 189 US customer remediation provision relating to CRS (100) Balance sheet data (91) (255) (368) (129) (279) At 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Loans and advances to customers (net) 373,099 375,086 368,967 358,464 362,741 Customer accounts 583,756 579,994 569,286 547,140 556,411 US$bn US$bn US$bn US$bn US$bn Riskweighted assets 227 234 240 243 264 The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significant accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value. RWAs at 31 March 2014 are calculated and presented on a CRD IV basis. Prior periods are on a Basel 2.5 basis.
HSBC Commercial Banking Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Net interest income/(expense) 2,551 2,604 2,547 2,535 2,515 Net fee income/(expense) 1,201 1,185 1,196 1,191 1,145 Net trading income/(expense) 180 146 156 174 171 Other income/(expense) 78 582 86 30 102 Net operating income/(expense) before loan impairment charges and other credit risk provisions 4,010 4,517 3,985 3,930 3,933 Loan impairment (charges)/recoveries and other credit risk provisions (197) (543) (681) (802) (358) Net operating income/(expenses) 3,813 3,974 3,304 3,128 3,575 Total operating expenses (1,739) (1,878) (1,834) (1,611) (1,726) Operating profit/(loss) 2,074 2,096 1,470 1,517 1,849 Share of profit/(loss) in associates and joint ventures 346 330 412 429 338 Profit/(loss) before tax 2,420 2,426 1,882 1,946 2,187 Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax 2,420 2,426 1,882 1,946 2,187 Currency translation adjustment (5) 25 (13) Gain/(loss) on disposal or dilution (7) (481) 10 (5) (1) Trading contributions of disposals and dilutions (5) (21) (16) (20) Underlying profit/(loss) before tax 2,413 1,935 1,871 1,950 2,153 Significant items Revenue Operating expenses UK customer redress charges (80) (68) Restructuring and related costs (1) 19 (28) (21) (1) UK accounting gain on changes in illhealth benefit 160 (1) (61) (96) 139 (1) Management view of revenue Trade and Receivables Finance 1 686 713 757 746 713 Credit and lending 1,494 1,541 1,554 1,520 1,488 Payments and Cash Management 1, current accounts and savings deposits 1,322 1,363 1,345 1,304 1,275 Other 508 900 329 360 457 Net operating income 2 4,010 4,517 3,985 3,930 3,933 1 ' Trade and Receivables Finance' and 'Payments and Cash Management' include revenue attributable to foreign exchange products. 2 Net operating income before loan impairment charges and other credit risk provisions, also referred to as revenue. Balance sheet data At 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Loans and advances to customers (net) 301,936 297,852 295,645 286,539 279,391 Customer accounts 353,101 354,298 337,852 327,612 324,085 US$bn US$bn US$bn US$bn US$bn Riskweighted assets 415 392 395 386 374 The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significant accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread o own longterm debt issues by the Group and designated at fair value. RWAs at 31 March 2014 are calculated and presented on a CRD IV basis. Prior periods are on a Basel 2.5 basis.
HSBC Banking and Markets Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Net interest income/(expense) 1,769 1,842 1,590 1,662 1,672 Net fee income/(expense) 937 835 828 847 971 Net trading income/(expense) 2,006 547 627 1,931 3,676 Other income/(expense) 448 1,070 1,175 406 (503) Net operating income/(expense) before loan impairment charges and other credit risk provisions 5,160 4,294 4,220 4,846 5,816 Loan impairment (charges)/recoveries and other credit risk provisions (3) 85 (118) (219) 45 Net operating income/(expenses) 5,157 4,379 4,102 4,627 5,861 Total operating expenses (2,397) (2,585) (2,368) (2,619) (2,388) Operating profit/(loss) 2,760 1,794 1,734 2,008 3,473 Share of profit/(loss) in associates and joint ventures 111 72 118 127 115 Profit/(loss) before tax 2,871 1,866 1,852 2,135 3,588 Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax 2,871 1,866 1,852 2,135 3,588 Currency translation adjustment (32) (25) (40) (26) Gain/(loss) on disposal or dilution (5) (324) (81) (5) (17) Trading contributions of disposals and dilutions 12 15 (2) Underlying profit/(loss) before tax 2,866 1,510 1,758 2,105 3,543 Significant items Revenue DVA adjustments 30 (195) (151) (21) 472 Nonqualifying hedges (2) 2 (16) (2) 30 (197) (149) (37) 470 Operating expenses Restructuring and related costs (4) (5) (8) UK accounting gain on changes in illhealth benefits 81 Litigation provision in GB&M Europe (Thema/Madoff) (298) UK customer redress charges (68) (66) (4) (68) (71) (217) (8)
HSBC Banking and Markets Management view of total operating income 1 Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Markets 2,225 1,290 1,575 1,839 2,231 Credit 347 154 154 183 305 Rates 631 40 507 377 729 Foreign Exchange 803 693 660 962 871 Equities 444 403 254 317 326 Capital Financing 997 977 975 988 1,054 Payments and Cash Management 444 472 436 439 423 Securities Services 413 407 408 442 405 Trade and Receivables Finance 187 181 189 191 180 Balance Sheet Management 750 719 711 704 976 Principal Investments 94 165 142 172 33 Debit valuation adjustment 31 (195) (151) (21) 472 Other 19 278 (65) 92 42 Total operating income 2 5,160 4,294 4,220 4,846 5,816 1 The management view of income reflects the new management structure of GB&M which has been in place since 12 August 2013. Comparatives have been restated for this change. 2 Net operating income before loan impairment charges and other credit risk provisions, also referred to as 'revenue'. Balance sheet data Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Loans and advances to customers (net) 286,649 272,474 266,250 251,769 241,302 Customer accounts 330,473 328,800 307,785 298,500 295,088 US$bn US$bn US$bn US$bn US$bn Riskweighted assets 553 422 417 429 412 The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significant accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value. RWAs at 31 March 2014 are calculated and presented on a CRD IV basis. Prior periods are on a Basel 2.5 basis.
HSBC Private Banking Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Net interest income/(expense) 265 292 278 292 284 Net fee income/(expense) 275 267 281 301 301 Net trading income/(expense) 81 75 89 104 127 Other income/(expense) 12 (4) 10 10 (268) Net operating income/(expense) before loan impairment charges and other credit risk provisions 633 630 658 707 444 Loan impairment (charges)/recoveries and other credit risk provisions 5 4 (21) (7) (7) Net operating income/(expenses) 638 634 637 700 437 Total operating expenses (441) (537) (657) (469) (566) Operating profit/(loss) 197 97 (20) 231 (129) Share of profit/(loss) in associates and joint ventures 4 4 4 2 4 Profit/(loss) before tax 201 101 (16) 233 (125) Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax 201 101 (16) 233 (125) Currency translation adjustment 1 2 4 1 Gain/(loss) on disposal or dilution (1) Trading contributions of disposals and dilutions Underlying profit/(loss) before tax 201 101 (14) 237 (124) Significant items Revenue Nonqualifying hedges 3 (1) (3) 2 Loss on writeoff of goodwill relating to Monaco business (279) 3 (1) (3) (277) Operating expenses Restructuring and related costs (67) (5) (1) Provision for regulatory investigations in GPB (35) (198) (119) (102) (198) (5) (120) Balance sheet data At 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Loans and advances to customers (net) 45,629 44,224 43,723 39,161 40,142 Customer accounts 96,760 96,770 101,018 92,298 95,306 US$bn US$bn US$bn US$bn US$bn Riskweighted assets 23 22 22 22 22 The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significant accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value. RWAs at 31 March 2014 are calculated and presented on a CRD IV basis. Prior periods are on a Basel 2.5 basis.
HSBC Other Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Net interest income/(expense) (183) (200) (159) (185) (190) Net fee income/(expense) 4 (9) 11 6 55 Net trading income/(expense) (44) (1) 176 88 (200) Other income/(expense) 1,440 702 981 1,420 3,156 Net operating income/(expense) before loan impairment charges and other credit risk provisions 1,217 492 1,009 1,329 2,821 Loan impairment (charges)/recoveries and other credit risk provisions 1 (39) 39 Net operating income/(expenses) 1,218 492 1,009 1,290 2,860 Total operating expenses (1,639) (2,700) (1,784) (1,673) (1,639) Operating profit/(loss) (421) (2,208) (775) (383) 1,221 Share of profit/(loss) in associates and joint ventures 2 (18) 2 6 (4) Profit/(loss) before tax (419) (2,226) (773) (377) 1,217 Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax (419) (2,226) (773) (377) 1,217 Currency translation adjustment (1) (3) (22) (21) Own credit spread (148) 652 575 (224) 243 Gain/(loss) on disposal or dilution 42 7 (4) (1,089) Trading contributions of disposals and dilutions 1 1 7 4 20 Underlying profit before tax (566) (1,532) (187) (623) 370 Significant items Revenue Nonqualifying hedges (62) 5 165 73 23 FX gains relating to the sterling ( ) debt issued by HSBC Holdings to HSBC Bank plc 442 Net gain recognised on completion of the Ping An sale 553 (62) 5 165 73 1,018 Operating expenses Restructuring and related costs (27) (31) (51) (67) (50) UK bank levy (907) (9) (27) (938) (51) (76) (50) Balance sheet data Quarter ended 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2014 2013 2013 2013 2013 US$m US$m US$m US$m US$m Loans and advances to customers (net) 2,517 2,453 2,462 2,361 2,649 Customer accounts 1,944 1,435 1,766 1,355 1,636 US$bn US$bn US$bn US$bn US$bn Riskweighted assets 40 23 25 25 26 The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significant accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value. RWAs at 31 March 2014 are calculated and presented on a CRD IV basis. Prior periods are on a Basel 2.5 basis.
Europe Quarter ended 31 Mar 2014 Banking Banking Interand Net interest income/(expense) 1,444 893 473 170 (189) (43) 2,748 Net fee income/(expense) 610 472 291 170 4 1,547 Net trading income/(expense) (69) 10 951 36 (54) 43 917 Other income/(expense) (12) 6 277 5 362 2 640 Net operating income/(expense) before loan impairment charges and other credit risk provisions 1,973 1,381 1,992 381 123 2 5,852 Loan impairment (charges)/recoveries and other credit risk provisions (45) (69) (3) 1 (116) Net operating income/(expense) 1,928 1,312 1,989 381 124 2 5,736 Total operating expenses (1,412) (567) (1,166) (283) (548) (2) (3,978) Operating profit/(loss) 516 745 823 98 (424) 1,758 Share of profit/(loss) in associates and joint ventures (1) 1 1 1 2 Profit/(loss) before tax 515 746 824 98 (423) 1,760 Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax 515 746 824 98 (423) 1,760 Currency translation adjustmen Own credit spread (149) (149) Gain/(loss) on disposal or dilution Trading contributions of disposals and dilution Underlying profit/(loss) before tax 515 746 824 98 (572) 1,611 Significant items Revenue DVA adjustments 22 22 FX gains relating to the sterling ( ) debt issued by HSBC Holdings to HSBC Bank plc Nonqualifying hedges 5 (68) (63) Loss on sale of HFC Bank UK secured loan portfolio Loss on writeoff of goodwill relating to Monaco busines 27 (68) (41) Operating expenses UK customer redress charges (83) (83) Restructuring and related costs (3) (4) (15) (22) Provision for regulatory investigations in GPB UK accounting gain on changes in illhealth benefits UK bank levy Litigation provision in GB&M Europe (Thema/Madoff) Reconciliation of reported and underlying UK profit/(loss) before tax (86) (4) (15) (105) Reported profit/(loss) before tax 536 640 508 62 (388) 1,358 Currency translation adjustment Own credit spread (152) (152) Gain/(loss) on disposal or dilution Trading contributions of disposals and dilutions Underlying profit/(loss) before tax 536 640 508 62 (540) 1,206 Balance sheet data At 31 Mar 2014 Banking Banking Interand Loans and advances to customers (net) 177,218 104,745 154,093 28,175 902 465,133 Customer accounts 210,163 135,102 195,117 49,737 1,285 591,404 Note: Riskweighted asset data by geographical region is provided in a separate tab at the end of this document. The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significan accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value.
Europe Net interest income/(expense) Net fee income/(expense) Net trading income/(expense) Other income/(expense) Net operating income/(expense) before loan impairment charges and other credit risk provisions Loan impairment (charges)/recoveries and other credit risk provisions Net operating income/(expense) Total operating expenses Operating profit/(loss) Share of profit/(loss) in associates and joint ventures Profit/(loss) before tax Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax Currency translation adjustmen Own credit spread Gain/(loss) on disposal or dilution Trading contributions of disposals and dilution Underlying profit/(loss) before tax Significant items Revenue DVA adjustments FX gains relating to the sterling ( ) debt issued by HSBC Holdings to HSBC Bank plc Nonqualifying hedges Loss on sale of HFC Bank UK secured loan portfolio Loss on writeoff of goodwill relating to Monaco busines Quarter ended 31 Dec 2013 Banking Banking Interand 1,454 889 575 190 (204) (44) 2,860 639 489 250 166 1 (1) 1,544 41 5 (116) 41 (7) 45 9 (32) 51 604 (13) (386) (9) 215 2,102 1,434 1,313 384 (596) (9) 4,628 (67) (146) 42 5 (166) 2,035 1,288 1,355 389 (596) (9) 4,462 (1,597) (647) (1,318) (333) (1,475) 9 (5,361) 438 641 37 56 (2,071) (899) 4 (1) (1) (1) 1 442 640 37 55 (2,072) (898) 442 640 37 55 (2,072) (898) 11 10 (3) 2 (1) 19 537 537 453 650 34 57 (1,536) (342) (137) (137) (2) 6 3 1 8 (8) (8) (10) (131) 3 1 (137) Operating expenses UK customer redress charges Restructuring and related costs Provision for regulatory investigations in GPB UK accounting gain on changes in illhealth benefits UK bank levy Litigation provision in GB&M Europe (Thema/Madoff) Reconciliation of reported and underlying UK profit/(loss) before tax Reported profit/(loss) before tax Currency translation adjustment Own credit spread Gain/(loss) on disposal or dilution Trading contributions of disposals and dilutions Underlying profit/(loss) before tax (247) (80) (68) (395) 10 21 3 (67) (8) (41) (907) (907) (237) (59) (65) (67) (915) (1,343) 369 526 (193) 73 (2,041) (1,266) 9 13 (3) (1) (1) 17 545 545 378 539 (196) 72 (1,497) (704) Balance sheet data Loans and advances to customers (net) Customer accounts At31 Dec 2013 Banking Banking Interand 177,357 105,498 145,135 27,289 830 456,109 205,287 134,120 191,715 49,790 1,021 581,933 Note: Riskweighted asset data by geographical region is provided in a separate tab at the end of this document. The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significan accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value.
Europe Net interest income/(expense) Net fee income/(expense) Net trading income/(expense) Other income/(expense) Net operating income/(expense) before loan impairment charges and other credit risk provisions Loan impairment (charges)/recoveries and other credit risk provisions Net operating income/(expense) Total operating expenses Operating profit/(loss) Share of profit/(loss) in associates and joint ventures Profit/(loss) before tax Reconciliation of reported and underlying profit before tax Reported profit/(loss) before tax Currency translation adjustmen Own credit spread Gain/(loss) on disposal or dilution Trading contributions of disposals and dilution Underlying profit/(loss) before tax Significant items Revenue DVA adjustments FX gains relating to the sterling ( ) debt issued by HSBC Holdings to HSBC Bank plc Nonqualifying hedges Loss on sale of HFC Bank UK secured loan portfolio Loss on writeoff of goodwill relating to Monaco busines Quarter ended 30 Sep 2013 Banking Banking Interand 1,394 825 404 174 (179) (19) 2,599 659 456 219 178 2 1 1,515 66 (3) (245) 43 184 15 60 (65) 9 1,054 (317) 10 691 2,054 1,287 1,432 395 (310) 7 4,865 (93) (291) (118) (16) (518) 1,961 996 1,314 379 (310) 7 4,347 (1,606) (634) (1,115) (486) (542) (7) (4,390) 355 362 199 (107) (852) (43) (3) 1 (2) 355 362 196 (106) (852) (45) 355 362 196 (106) (852) (45) 27 18 (4) 2 (5) 38 482 482 (62) (62) 22 22 382 380 152 (104) (375) 435 (105) (105) 11 1 179 191 (94) 1 179 86 Operating expenses UK customer redress charges Restructuring and related costs Provision for regulatory investigations in GPB UK accounting gain on changes in illhealth benefits UK bank levy Litigation provision in GB&M Europe (Thema/Madoff) Reconciliation of reported and underlying UK profit/(loss) before tax Reported profit/(loss) before tax Currency translation adjustment Own credit spread Gain/(loss) on disposal or dilution Trading contributions of disposals and dilutions Underlying profit/(loss) before tax (294) (68) (66) (428) (15) (27) (8) (1) (22) (73) (198) (198) (309) (95) (74) (199) (22) (699) 298 264 393 46 (795) 206 20 18 (2) 2 1 39 464 464 (49) (49) 9 9 318 282 351 48 (330) 669 Balance sheet data Loans and advances to customers (net) Customer accounts At 30 Sep 2013 Banking Banking Interand 167,760 102,126 141,759 27,938 798 440,381 199,733 127,946 171,656 54,182 1,047 554,564 Note: Riskweighted asset data by geographical region is provided in a separate tab at the end of this document. The financial information on which this supplement is based is unaudited and has been prepared in accordance with HSBC's significan accounting policies as described in the Annual Report and Accounts 2013, with the exception of the adoption of amendments to the offsetting requirements of IAS 32 Financial Instruments: Presentation. The amendments have been applied retrospectively and have not had a material effect on HSBC's financial information. The financial information does not constitute interim financial statements prepared in accordance with IAS 34 Interim Financial Reporting, is not complete and should be read in conjunction with the Annual Report and Accounts 2013, the Interim Management Statement 1Q 2014 and other reports and financial information published by HSBC. All information is on a reported basis unless otherwise stated. Underlying basis eliminates effects of foreign currency translation differences, acquisitions, disposals and changes in ownership levels of subsidiaries, associates, joint ventures and businesses, and changes in fair value due to movements in credit spread on own longterm debt issues by the Group and designated at fair value.