2011年報及賬目

緊密聯繫客戶 助握無限商機 滙豐控股有限公司 2011年報及賬目 滙豐控股有限公司 8 Canada Square London E14 5HQ United Kingdom 電話 44 020 7991 8888 www.hsbc.com 滙豐控股有限公司 2011年報及賬目

2011 2006 2011 2 255 256 274 20102009 20-F www.hsbc.com www.sec.gov IASB IFRS IFRS IFRS IASB IFRS 2011 12 31 2011 12 31 IFRS IFRSIASB IFRS IASB IFRS 2011 12 31 IFRS 16 17........................... 2....................... 4............ 7........................... 10..................... 10........................... 11................................ 12......................... 13.................. 13 1........................... 16 1........................... 43......................... 44 1............................... 59........................... 94 1............................... 98................................ 211 1....................... 218.............. 218............................. 225.................. 230........................... 240....................... 243................................ 243 1....................... 256..................... 275..................... 276 1............................ 278....................... 291 1....................... 414.......... 422................................ 423................................ 432 1

15% 219 6% 177 12% 7931% 9 2011 730.412010 14% 201010.5%10.1% 2.5 1

0.92 26% 20100.73 20090.34 1 0.39 20100.34 20090.34 8.48 7% 20107.94 20097.17 218.72 15% 2010190.37 200970.79 176.96 6% 2010189.25 834.61 4% 2010800.14 2009786.31 722.80 6% 2010682.47 2009661.81 162.24 27% 2010127.46 200955.65 9,400 2% 20109,580 20098,960 12,540 2% 201012,280 200911,590 75.0% 201078.1% 200977.3% 1,660 7% 20101,550 20091,360 5.6% 20105.5% 20094.7% 12,100 10% 201011,030 200911,330 10.1% 201010.5% 20099.4% 11.5% 201012.1% 200910.8% 14.1% 201015.2% 200913.7% 2

13.8% 201016.9% 200931.7% 2 10.2% 20108.7% 20094.1% 4 57.5% 201055.2% 200952.0% 0.50 178.68 2010176.86 2009174.08 1.2% 20101.5% 20092.8% 3 10.9% 20109.5% 20095.1% 48.7% 201049.3% 200951.8% 1,360 20101,800 20091,990 4.91 0.6% 20106.51 20097.09 20100.6% 20090.3% 20.6% 201021.7% 200922.5% 42.3% 201043.0% 105 59.00 201079.70 200989.40 6 1.9% 20101.7% 20090.6% 7.8% 20109.0% 200912.5% 5 2011 12 31... 79.1 96.8 78.2 100 7... 97.8 140.3 107.9 7... 95.7 129.4 114.9 7... 82.7 107.5 60.5 95 38.10 201051.04 200957.09 3

4 2011 2011 2011 2011 26% 0.92 0.14 20110.41 0.05 14% 2012 0.092011 201173 272 2011 10 30% 2000 4% 18% 1997 2011 12 19% 6%9% 2011

5 100(FTSE100) 2011 10 47 30052% 20111,590 20071,280 24% 9% 2011 10.1% 25 5.7 3.4 0.03 2011 9 12 3 4 22 2002 92006

(Joachim Faber) (John Lipsky) 3 1 2011 2011 11 5 Brand Finance 2012500 2011 NHFA 2012 2012 2 27 6

2011 16 2012 9 40 2011 2012 219 2010 2839 2010 6,300 177 2010 12 12% 6% 13% 2010 50 5 40 3 7

10% 11 8.98 5.7 5.87 9 55.2% 57.5% 55.6% 61% 2011201024 22 2010 9.5% 10.9% 2011 1.9% 1.5% 2011 2.2%2010 2.3% 2011 73 0.4114% 20110.14 2011 12 31 10.1% 2010 12 31 10.5% 2.5 27% 162 73 2011 34 5 2013 12% 15% 48% 52% 2011 16 2012 500 12,000 2012 9 8

9 2013 (25 35 2012 8,900 85 7,200 NHFA Limited 2012 2011 40 10 2011 10.9%20109.5% 2012 2013 12% 15% 1 2012 2 27

2011 12 31 1,360 85 7,200 1% 201116 20123 195 379 10

10 35 2050 30 19 12% 15% 2013 2535 (i)(ii) (iii) (iv) 11

12% 15%9.5% 10.5% 48% 52% 12

2011 99 2011 98 210 234 2012 ( ) 12% 15% 2012 13

15.9 3 8 9 10.9 9.5 4.7 5.1 '07 '08 '09 '10 '11 12% 15% 20101.4 10.5 10.1 9.4 8.1 7.0 '07 '08 '09 '10 '11 10.1% 2.5 105.0 103.0 99.8 2009 2010 2011 55.5 70.3 75.0 101.0 98.3 85.7 85.9 89.1 86.4 HBEU HBAP HBUS Other entities HBAP 2011 61% 60.1 57.5 55.2 52.0 49.4 '07 '08 '09 '10 '11 48% 52% 75 67 63 63 60 77 71 64 74 68 65 72 72 69 67 '07 '08 '09 '10 '11 201172% 2011 14

/ 2011 2% 13 (8) (30) 37 11 '07 '08 '09 '10 '11 2011 75% 75% 35% 1.4 0.4 0.3 0.7 0.9 '07 '08 '09 '10 '11 2011 2011 79% CRI 75% 35% 44% 2 46 77% 254 11 (29) 6 (47) '07 '08 '09 '10 '11 14 14% 285 274 276 2009 2010 2011 2012 2011 Brand Finance Brand Finance 2008 9 2009 95 15

.................... 16.......................... 18........ 20........................ 20...................... 22...................... 23.................. 24............ 25.................... 26...................... 26.................. 27........................ 27.......................... 29............ 31.......................... 31...................... 32 2011...................... 33.................... 37.................... 37........................ 38 IFRS IFRS 2010 2010 2011 2010 12 31 2011 12 31 2011 2010 20 F www.hsbc.com 2011 2010 1Bao Viet Holdings BaoViet 6,200 2010 3 6,600 2010 4 1.07 2010 52011 6 1.88 1.81 2010 10 British Arab Commercial Bank plc 4,200 2010 11 7,400 16 2010 12Eversholt Rail Group 2.55

2011 8HSBC Afore S.A. de C.V. HSBC Afore 8,300 2011 7 2011 2010 2010 2010 2010 2011 2011 2011 2011 10 11 12 10 13 13 % %................. 39,441 48 781 40,270 40,662 40,662 3 1............... 17,355 (55) 349 17,649 17,160 17,160 (1) (3) 14................ (63) 63 3,933 (3,933) 15.................. 11,514 (847) 284 10,951 10,525 (291) 10,234 (9) (7) 16.............. 68,247 (791) 1,414 68,870 72,280 (4,224) 68,056 6 (1)................. (14,039) (206) (14,245) (12,127) (12,127) 14 15............... 54,208 (791) 1,208 54,625 60,153 (4,224) 55,929 11 2................... (37,688) 220 (842) (38,310) (41,545) (41,545) (10) (8)................... 16,520 (571) 366 16,315 18,608 (4,224) 14,384 13 (12)........... 2,517 93 2,610 3,264 48 3,312 30 27................. 19,037 (571) 459 18,925 21,872 (4,176) 17,696 15 (6)....................... 4,302 (88) 167 4,381 4,671 (2,947) 1,724 9 (61)....................... 5,692 (130) (10) 5,552 5,823 5,823 2 5............... 5,902 (187) 227 5,942 7,471 (135) 7,336 27 23................. 892 42 (10) 924 1,492 (41) 1,451 67 57..................... 454 (208) 39 285 100 (970) (870) (78)................... 1,795 46 1,841 2,315 (83) 2,232 29 21................. 19,037 (571) 459 18,925 21,872 (4,176) 17,696 15 (6) 17........ 3,839 (3) 126 3,962 4,270 (83) 4,187 11 6................... 6,090 (119) 126 6,097 7,947 7,947 30 30 17........ 9,215 (262) 198 9,151 7,049 7,049 (24) (23)............... 1,054 6 1,060 944 944 (10) (11)....................... (1,161) (187) 3 (1,345) 1,662 (4,093) (2,431) (81)................. 19,037 (571) 459 18,925 21,872 (4,176) 17,696 15 (6) 95 www.hsbc.com 4,800 2011 12HSBC Saudi Arabia Limited SABB Securities Limited 2,700 17

2011 2010 2009 2008 2007............................... 40,662 39,441 40,730 42,563 37,795............................. 17,160 17,355 17,664 20,024 22,002............................. 6,506 7,210 9,863 6,560 9,834......................... 3,439 1,220 (3,531) 3,852 4,083................... 907 968 520 197 1,956................................. 149 112 126 272 324........................... 12,872 11,146 10,471 10,850 9,076..................... 2,445............................. 1,766 2,562 2,788 1,808 2,531......... 208 188 1,092................................... 1,558 2,374 2,788 1,808 1,439............................. 83,461 80,014 78,631 88,571 87,601..... (11,181) (11,767) (12,450) (6,889) (8,608)........................... 72,280 68,247 66,181 81,682 78,993............... (12,127) (14,039) (26,488) (24,937) (17,242)............................. 60,153 54,208 39,693 56,745 61,751 19............................ (41,545) (37,688) (34,395) (49,099) (39,042)................................. 18,608 16,520 5,298 7,646 22,709................... 3,264 2,517 1,781 1,661 1,503............................... 21,872 19,037 7,079 9,307 24,212................................. (3,928) (4,846) (385) (2,809) (3,757)............................... 17,944 14,191 6,694 6,498 20,455....................... 16,797 13,159 5,834 5,728 19,133....................... 1,147 1,032 860 770 1,322 20............................ 0.92 0.73 0.34 0.41 1.44 20.......................... 0.91 0.72 0.34 0.41 1.42 19, 20.......... 0.92 0.73 0.34 1.19 1.44 1.......................... 0.39 0.34 0.34 0.93 0.87 % % % % % 21............................... 42.4 46.6 100.0 226.8 60.4 19........................ 42.4 46.6 100.0 78.2 60.4................... 0.65 0.57 0.27 0.26 0.97................... 10.9 9.5 5.1 4.7 15.9 1.............................. 0.624 0.648 0.641 0.545 0.500 1.............................. 0.719 0.755 0.719 0.684 0.731 95 2011 219 2010 28 39 2010 6,300 2010 6% 18

19 2011201024 22 16 2010 2011 23 20112010 2010 2011 2010 11 5.7 8.98 2.57 2011 7,6009 5.87 38 26% 2011 2010 12 201118%2010 25.5%

2011 2010 2009.............................................................. 63,005 58,345 62,096.............................................................. (22,343) (18,904) (21,366) 22........................................................... 40,662 39,441 40,730........................................................ 1,622,658 1,472,294 1,384,705 23............................................................. 3.88% 3.96% 4.48%.......................................................... (1.56%) (1.41%) (1.58%) 24............................................................... 2.32% 2.55% 2.90% 25........................................................ 2.51% 2.68% 2.94% 2011 2010 2009 % % %.......................... 261,749 5,860 2.24 236,742 4,555 1.92 192,578 4,199 2.18.................................... 945,288 45,250 4.79 858,499 44,186 5.15 870,057 48,301 5.55.................................... 384,059 10,229 2.66 378,971 9,375 2.47 322,880 9,425 2.92 26............................... 31,562 1,666 5.28 (1,918) 229 (11.94) (810) 171 (21.11)................................ 1,622,658 63,005 3.88 1,472,294 58,345 3.96 1,384,705 62,096 4.48 27, 28..................... 410,038 8,671 2.11 385,203 7,060 1.83 419,647 8,646 2.06.................................... (18,738) (22,905) (26,308).................................. 752,965 664,308 667,942...................... 2,766,923 71,676 2.59 2,498,900 65,405 2.62 2,445,986 70,742 2.89 2011 2010 2009 % % % 29................................... 106,099 1,591 1.50 111,443 1,136 1.02 117,847 1,659 1.41.................. 30....................... 73,635 1,313 1.78 66,706 1,271 1.91 60,221 1,558 2.59 31................................... 1,058,326 13,456 1.27 962,613 10,778 1.12 940,918 11,346 1.21.............................. 181,482 5,260 2.90 189,898 4,931 2.60 225,657 5,901 2.62................................ 14,024 723 5.16 8,730 788 9.03 8,640 902 10.44................................ 1,433,566 22,343 1.56 1,339,390 18,904 1.41 1,353,283 21,366 1.58.................. 355,345 4,564 1.28 275,804 3,780 1.37 221,358 4,280 1.93.............................. 162,369 142,579 123,271............ 815,643 741,127 748,074...................... 2,766,923 26,907 0.97 2,498,900 22,684 0.91 2,445,986 25,646 1.05 95 407 2010 3% 2011 20102011 20

21 195 2010

2011 2010 2009........................................................ 3,955 3,801 4,625.................................................. 3,670 3,632 3,592.................................................. 2,753 2,511 2,172...................................................... 1,749 1,635 1,479.............................................. 1,711 1,789 1,617.................................................... 1,103 991 897...................................................... 1,052 1,147 1,421...................................................... 770 680 613.................................................. 751 700 988.............................................. 657 560 363...................................................... 578 623 746.................................................. 441 440 396.................................................. 294 291 278.................................................. 136 109 97.............................................. 109 118 124............................................ 2 73 87............................................ 99 111...................................................... 1,766 1,918 1,797.................................................. 21,497 21,117 21,403.............................................. (4,337) (3,762) (3,739).............................................. 17,160 17,355 17,664 2010 2010 Eversholt Rail Group 3% 2010 2011 22

2011 2010 2009.................................................. 4,873 5,708 5,312...................................... 3,223 2,530 3,627............................................ 26 (9) 90............................................ (224) 38 (45).............................................. (1,392) (1,057) 951 Bernard L Madoff Investment Securities LLC....... (72) 32, 33........................................... 6,506 7,210 9,863 95 2010 10% 65 15% 2011 Solitaire Funding Limited 2010 8,900 20104.58 20102,300 2010 3.419,200 2011 2010 23

2010 23% 2011 2010 2009...................................... (933) 2,349 3,793.............................. 231 (946) (1,329)...................... 4,161 (258) (6,247).......................... 3,933 (63) (6,533) 34................................... 228 (195) 286.............. (20) 75 252.................. 3,439 1,220 (3,531) 2011 2010 2009 12 31..................... 30,856 37,011 37,181 12 31..................... 85,724 88,133 80,092 DPF 35............................ 7,221 7,167 6,097...................... 20,033 19,725 16,982............................ 73,808 69,906 62,641 95 2i 2b 2011 34 2010 12 2011 39 20106,300 24

2011 2010 20114.94 201013 2011 2011 2010 2010 2011 2010 2009.............................................. 712 564 463.............................................. 360 516 407.......................................... 12 (7) 8 1,084 1,073 878...................................... (177) (105) (358).................................... 907 968 520 6,1009.07 2010Bao Viet 6,200 4% 2010 2011 2011 25

2011 2010 2009.............................................. 13,338 11,609 10,991................................................ (466) (463) (520)............................................ 12,872 11,146 10,471 15% 13% 2011 2011 2010 2009.................................................. 217 535 547........................ 55 (263) (115)................................ 118 93 (24)........ 57 701 1,033............................ 208 188.................................. 726 705 605...................................................... 385 603 742.............................................. 1,766 2,562 2,788 2011 187.962011 1.81 HSBC Afore8,300 HSBC Saudi Arabia Limited SABB Securities Limited 2,7002010 1.88 1.07 6,600 Eversholt Rail Group 2.55 7,400 British Arab Commercial Bank plc. 4,200 2010 7,100 2010 2.07 2010 2.502011 6,100 2010 PVIF PVIF 26

2.43 2011 2010 2009.................................................. 11,631 11,969 12,560........................................ (450) (202) (110) 36................................................. 11,181 11,767 12,450 95 5% 7% 2011 2011 2010 2009.............................. 12,931 14,568 25,832.......................................... (1,426) (1,020) (890) 11,505 13,548 24,942.............................................. 1,915 2,625 4,458.............................................. 9,590 10,923 20,484...................................... 631 472 1,474.................................. (9) 19 72................................ 12,127 14,039 26,488 % % %................................................ 17.7 20.6 36.4.............. 1.2 1.5 2.8 121 2010 14% 15% 2011 12 31 175 1.9% 2010 12 31 2.2% 27

2011 66% 2011 6.31 2010 4.72 2011 2.12 50 2010 14% 2011 2011 2011 26% 16 2011 20102011 20% 25 53% 5.96 7% 8% 1.45 112 53% 2.93 2010 45% 28

42% 2.67 58% 17% 19 43% 14 2011 28% 36% 1.56 2011 2010 2009............................................ 21,166 19,836 18,468.............................. 4,503 4,348 4,099............................................ 12,956 10,808 9,293.................................................. 38,625 34,992 31,860................................ 1,570 1,713 1,725........................................ 1,350 983 810.................................................. 41,545 37,688 34,395................................ 1,122 154 301.......................................... 898 78.............................................. 570.................................................... (13) 324................................ 257............................................ (587) (499)................................ (148)................................ 163 12 31 2011 2010 2009...................................................... 74,892 75,698 76,703...................................................... 28,984 29,171 27,614.............................................. 91,051 91,607 87,141................................................ 8,373 8,676 8,281.................................................... 30,981 33,865 35,458.................................................. 54,035 56,044 54,288.................................................. 288,316 295,061 289,485 10% 415 2010 8% 2011 29

2010 2011 1.63 95 2010 11 5.42 3.25 2011 2011 9 2535 2011 7,600 4 2011 2010 2009 % % %...................................................... 57.5 55.2 52.0...................................................... 70.4 67.9 59.4...................................................... 44.5 43.4 41.7.............................................. 54.2 55.7 55.6................................................ 44.5 44.7 38.6.................................................... 55.7 48.8 51.5.................................................. 63.3 65.7 59.6 17....................................... 63.2 58.1 52.3.................................................. 46.3 49.4 46.4 17....................................... 57.0 48.8 37.5.............................................. 68.8 65.8 60.5 95 30

2011 2010 2009.................................... 1,370 987 754.............................. 946 848 551.................................... 471 327 216............................................ 308 161 172.................................................... 126 156 42.......................................... 3,221 2,479 1,735.......................................... 43 38 46.................................... 3,264 2,517 1,781 33 2010 30% 27% 2011 7 2011 2010 2009................................................ 21,872 19,037 7,079.................................................. (3,928) (4,846) (385)................................................ 17,944 14,191 6,694.................................................. 18.0% 25.5% 5.4% 2010 9 9 2010 12 2011 18%2010 25.5% 31

12 31 2011 2010 2009 2008 2007............. 129,902 57,383 60,655 52,396 21,765....................... 330,451 385,052 421,381 427,329 445,968......... 30,856 37,011 37,181 28,533 41,564........................... 346,379 260,757 250,886 494,876 187,854........................... 180,987 208,271 179,781 153,766 237,366 37.......................... 940,429 958,366 896,231 932,868 981,548........................... 400,044 400,755 369,158 300,235 283,000................... 39,558 1,991 3,118 2,075 2,804........................... 156,973 145,103 146,061 135,387 152,397........................... 2,555,579 2,454,689 2,364,452 2,527,465 2,354,266........................... 112,822 110,584 124,872 130,084 132,181........................... 1,253,925 1,227,725 1,159,034 1,115,327 1,096,140....................... 265,192 300,703 268,130 247,652 314,580......... 85,724 88,133 80,092 74,587 89,939........................... 345,380 258,665 247,646 487,060 183,393..................... 131,013 145,401 146,896 179,693 246,579....................... 61,259 58,609 53,707 43,683 42,606......... 22,200 86 3........................... 111,971 109,868 148,411 149,150 113,432........................... 2,389,486 2,299,774 2,228,791 2,427,236 2,218,850....................... 158,725 147,667 128,299 93,591 128,160..................... 7,368 7,248 7,362 6,638 7,256................... 166,093 154,915 135,661 100,229 135,416............. 2,555,579 2,454,689 2,364,452 2,527,465 2,354,266......................... 8,934 8,843 8,705 6,053 5,915 38, 39, 40...................... 170,334 167,555 155,729 131,460 152,640................. 2,779 2,781 2,785 2,843 2,922 41........ 49,438 54,421 52,126 50,307 49,472 38, 39....................... 1,209,514 1,103,113 1,133,168 1,147,974 1,123,782 % % % % %..................... 10.1 10.5 9.4 7.0 8.1......................... 14.1 15.2 13.7 11.4 13.6........... 75.0 78.1 77.3 83.6 89.5..... 5.64 5.53 4.72 4.87 5.69 42... 8.48 7.94 7.17 7.44 10.72 0.50..................... 17,868 17,686 17,408 12,105 11,829 1........................ 0.646 0.644 0.616 0.686 0.498 1........................ 0.773 0.748 0.694 0.717 0.679 95 281 32

33 2011 2.6 2010 12 31 4% 6% 352010 12 31 129% 13% 14% 35% 11% 2010 195 86 2011 2010 300 2010

34% 4% 4% 11% 2010 9% 7% 2011 24% 9% 2010 12 3141 2011 12 3134 34

2011 12 312010 12 31 2010 12 31 2010 2011 2011 12 31 12 31 12 31 43 % %......... 57,383 (590) 56,793 73,109 129,902 126 129................... 385,052 (3,834) 381,218 (50,767) 330,451 (14) (13)..... 37,011 (937) 36,074 (5,218) 30,856 (17) (14)................... 260,757 (3,765) 256,992 89,387 346,379 33 35....................... 208,271 (5,661) 202,610 (21,623) 180,987 (13) (11)....................... 958,366 (12,556) 945,810 (5,381) 940,429 (2) (1)....................... 400,755 (5,219) 395,536 4,508 400,044 1....................... 147,094 (439) 146,655 49,876 196,531 34 34....................... 2,454,689 (33,001) 2,421,688 133,891 2,555,579 4 6....................... 110,584 (1,837) 108,747 4,075 112,822 2 4....................... 1,227,725 (17,065) 1,210,660 43,265 1,253,925 2 4................... 300,703 (2,785) 297,918 (32,726) 265,192 (12) (11)..... 88,133 (449) 87,684 (1,960) 85,724 (3) (2)................... 258,665 (3,710) 254,955 90,425 345,380 34 35................. 145,401 (1,456) 143,945 (12,932) 131,013 (10) (9)................... 58,609 (1,501) 57,108 4,151 61,259 5 7....................... 109,954 (1,906) 108,048 26,123 134,171 22 24....................... 2,299,774 (30,709) 2,269,065 120,421 2,389,486 4 5................... 147,667 (2,263) 145,404 13,321 158,725 7 9................. 7,248 (29) 7,219 149 7,368 2 2............... 154,915 (2,292) 152,623 13,470 166,093 7 9......... 2,454,689 (33,001) 2,421,688 133,891 2,555,579 4 6 95 2011 35

12 31 2011 2010............................................................... 493,404 491,563............................................................... 361,181 351,522 44.............................................................. 55,278 65,407............................................................... 8,738 7,063............................................................. 5,695 5,968............................................................... 45,283 43,098............................................................. 6,809 6,602............................................................... 10,420 11,903............................................................... 315,345 297,484....................................................... 174,012 158,155............................................................... 18,802 16,640............................................................... 10,227 12,143............................................................... 6,490 5,572........................................................... 31,570 27,007........................................................... 16,970 15,257............................................................. 44,447 38,951............................................................... 11,659 12,131............................................................... 1,834 1,256............................................................... 32,013 29,198....................................... 36,422 33,511............................................................... 7,047 6,881............................................................. 2,796 3,069............................................................. 18,172 16,332............................................................... 8,407 7,229............................................................. 155,982 158,486............................................................... 97,542 103,007............................................................. 45,510 45,772............................................................. 12,930 9,707........................................................... 78,760 88,526............................................................. 4,878 3,983............................................................... 42,410 49,253............................................................. 21,772 21,295............................................................. 5,463 7,429............................................................... 4,237 6,566............................................................... 1,253,925 1,227,725 95 36

2011 11% 2010 2011 2010 % 45 % 45.................................. 156,129 138,224.......................... 8,123 8,123.................................... (914) (813).................. 287 100.................... 3,379 6,129............................ (7,256) (5,473) 46.................................... 159,748 146,290 47.................................... 16,224 10.2 12,746 8.7...................................... (17,572) (11.0) (16,092) (11.0)............................ (1,348) (0.8) (3,346) (2.3) 95 16 2011 1.5 10.2% 0.8 13 2010 12 31 20 23 88 2010 % %...................... 21,872 1,154 1.9 19,037 1,098 1.7...................... 17,696 1,154 1.5 18,925 1,108 1.7...................... (2,847) 222 (1.3) (1,871) 215 (0.9).................. (436) 33 (1.3) 226 23 1.0............ (2,411) 189 (1.3) (2,097) 192 (1.1)...... 20,543 932 2.2 20,796 893 2.3 37

38 2 2g 9,58020109,780 1702% 2010160 2%9,410 98% 20109,62098% 70 62% 20109064% 2g 2011

39 IFRS 129 10%2011 12 317 20109 2p24 CGU 2011 12 31 210 2010220 2011 2010 2011 7 1 2011 12 31 2011 24

2d 16 6,6502010 5,990 5,690 2010 4,990 61% 2010 56%82% 201077% 16 2j 2011 12 31 3,79020103,810 3,72098% 20103,730 98% 492010 62 40

41 ABS 149 2s 52 68% 20104058%

42 195 2w 33 332010 21 15201010 11 20104 44 2011

............................ 43...................... 44.............. 46........................ 48.............. 51.................... 54............................ 55.................. 57 59 2011 3 1 2011 2010 2009 % % % 17.................. 4,270 19.6 3,839 20.2 (1,846) (26.1)............................. 7,947 36.3 6,090 32.0 4,275 60.4 17.................. 7,049 32.2 9,215 48.4 10,262 145......................... 944 4.3 1,054 5.5 1,108 15.6 48................................ 1,662 7.6 (1,161) (6.1) (6,720) (94.9) 49 21,872 100.0 19,037 100.0 7,079 100.0 12 31 2011 2010 % % 17....................................... 540,548 21.2 530,970 21.6.................................................. 334,966 13.1 296,797 12.1 17....................................... 1,877,627 73.5 1,755,043 71.5.............................................. 119,839 4.7 116,846 4.8...................................................... 180,126 7.0 161,458 6.6.............................................. (497,527) (19.5) (406,425) (16.6) 50 2,555,579 100.0 2,454,689 100.0 12 31 2011 2010 % %...................................................... 1,209.5 1,103.1 17....................................... 351.2 29.0 357.0 32.4.................................................. 382.9 31.7 334.4 30.3 17, 51..................................... 423.0 35.0 353.2 32.0.............................................. 22.5 1.9 24.9 2.3...................................................... 29.9 2.4 33.6 3.0 95 20102009 3.212.19 2010 2009 3328 16 43

SME / 44

60 45

2011 2010 2009... 24,101 24,166 25,099... 8,226 8,397 9,138... 1,206 1,048 2,060 52... 33,533 33,611 36,297 53... (9,319) (11,259) (19,902)... 24,214 22,352 16,395... (21,202) (19,539) (18,976)... 3,012 2,813 (2,581) 54... 1,258 1,026 735... 4,270 3,839 (1,846) 55... 1.2% 1.1% (0.5%) 89 2011 AAA 95 43 2010 11% 6% / 2011 2010 2009... 2,061 1,979 498... (4,472) (4,076) (5,065)... 6,681 5,936 2,721 4,270 3,839 (1,846) 2010 9% 8%3% 3,600 / 46

18% 93 6.50 6% 212 8.75 2.64 2011 2.57 17% 2011 7 402011 3 PVIF 2011 201047% 62% 2011 12 2010 12 3172 2011 12 3186 2011 2011 Get Rate 2011 11 2012 47

2011 2011 16 75% 35% 77% 2011 HSBC Afore 65360 2011 2010 2009... 9,931 8,487 7,883... 4,291 3,964 3,702... 1,389 1,383 1,268 52... 15,611 13,834 12,853 53... (1,738) (1,805) (3,282)... 13,873 12,029 9,571... (7,221) (6,831) (5,963)... 6,652 5,198 3,608 54... 1,295 892 667... 7,947 6,090 4,275 55... 2.2% 2.0% 1.4% 79 12% 4% (Oliver Wyman Global Transaction Banking Survey 2011) 95 48

2011 79 2010 31% 30% 90% 20 12% 2010 2011 12% 2,620 2011 9% 3,060 6% 4% 2.12 41% 20% 85 54% 50% 22% 2675% 2011 15% ClientSphere 49

2011 2010 12% 200 50 2010 5 2011 43% 27% 2011 340 54% 2012 2011 20112012 40200 2011 60 HSBCnet Mobile 20 iapp 50

2011 2010 2009................ 7,263 7,343 8,618.............. 3,227 3,664 3,463 56............. 5,204 5,830 6,867.................. 1,363 2,075 1,990 52............. 17,057 18,912 20,938 53................. (984) (990) (3,168).............. 16,073 17,922 17,770.............. (9,722) (9,228) (7,853).................. 6,351 8,694 9,917 54......... 698 521 345................ 7,049 9,215 10,262 55... 1.8% 2.5% 2.6% 2011 95 70 2010 24% 23% 10% 2011 23 2011 9.84 2010 6,200 2010 2010 1.45 20104.44 4.09 4% 2010 51

2011 2010 2009 57............. 8,098 9,173 10,364.................... 335 1,649 2,330.................... 1,341 2,052 2,648.................... 3,272 2,752 2,979.................... 961 755 641................ 1,673 1,511 1,420.......... 516 454 346.................. 5,401 4,621 4,630...... 3,233 2,852 3,070 58............... 1,534 1,133 1,053 59........... 634 636 507 60............. 3,488 4,102 5,390.................. 209 319 42 61..................... (139) 697 512.............. 17,057 18,912 20,938 95 2011 1.11 2010 81 20108.48 20111.65 2010 2010 4.58 2010 2,300 2011 2010 2010 32% 52

2010 Eversholt Rail Group 2011 6 Corporate Treasury Solutions Group 2010 2011 Get Rate 11 2011 43% 16% 2011 5 2011 Wealth Solutions Group Protected World Selection 53

2011 2010 2009................ 1,439 1,345 1,474.............. 1,382 1,299 1,236.................. 471 449 402 52............. 3,292 3,093 3,112 53.... (86) 12 (128).............. 3,206 3,105 2,984.............. (2,266) (2,035) (1,884).................. 940 1,070 1,100 54......... 4 (16) 8................ 944 1,054 1,108 55... 3.9% 4.1% 4.0% 130 20101302009 70 2011 9.44 2010 10% 11% 5% 130 62) 2011 2010 1 1............. 390 367.......... 13 13.............. (20) 13............ (6) (3) 12 31........... 377 390 63 2011 12 314,960 95 54

2011 63 49% 2011 4% 2011 2010 2009................ (911) (998) (1,035)...... (355) (311) 279.... 4,161 (258) (6,247).......... 78 42 (196)...... 4,239 (216) (6,443).................. 6,172 6,185 5,176 52.... 9,145 4,660 (2,023) 53.... 3 (8)...... 9,145 4,663 (2,031).............. (7,492) (5,918) (4,715).......... 1,653 (1,255) (6,746) 54......... 9 94 26........ 1,662 (1,161) (6,720) 95 55

17 201012 39 2010 6,300 2010 Bao Viet 6,200 20102011 1.88 1.81 4,800 HSBC Saudi Arabia Limited 2011 SABB Securities Limited HSBC Saudi Arabia Limited 2,700 1124 2010 61 2011 2010 3.04 2.76 2010 2011 3.04 2010 2010 2.5 26% 752011 5.7 2.17 56

2011 48 64............... 24,101 9,931 7,263 1,439 (911) (1,161) 40,662..................... 8,226 4,291 3,227 1,382 34 17,160............... (562) 565 3,306 415 (441) 3,283............. 43 19 1,898 16 86 1,161 3,223 56........... (519) 584 5,204 431 (355) 1,161 6,506........... 4,161 4,161......... (761) 33 (72) 78 (722)......... (761) 33 (72) 4,239 3,439........... 124 20 761 3 (1) 907......................... 27 15 75 7 25 149................... 10,882 1,956 47 (13) 12,872..................... 907 483 577 30 6,127 (6,358) 1,766..................... 42,987 17,313 17,082 3,292 9,145 (6,358) 83,461 65.................... (9,454) (1,702) (25) (11,181) 52.................... 33,533 15,611 17,057 3,292 9,145 (6,358) 72,280............... (9,319) (1,738) (984) (86) (12,127)..................... 24,214 13,873 16,073 3,206 9,145 (6,358) 60,153 66........................ (6,538) (2,184) (4,196) (1,351) (6,897) (21,166)..................... (14,664) (5,037) (5,526) (915) (595) 6,358 (20,379)..................... (21,202) (7,221) (9,722) (2,266) (7,492) 6,358 (41,545)......................... 3,012 6,652 6,351 940 1,653 18,608........... 1,258 1,295 698 4 9 3,264....................... 4,270 7,947 7,049 944 1,662 21,872 % % % % % %............... 19.6 36.3 32.2 4.3 7.6 100.0..................... 63.2 46.3 57.0 68.8 81.9 57.5 49................... 357,907 262,039 276,463 41,856 2,164 940,429......................... 540,548 334,966 1,877,627 119,839 180,126 (497,527) 2,555,579......................... 529,017 306,174 306,454 111,814 466 1,253,925 57

2010 17 17 48 64............... 24,166 8,487 7,343 1,345 (998) (902) 39,441..................... 8,397 3,964 3,664 1,299 31 17,355............... (106) 427 4,326 391 (358) 4,680............. 28 28 1,504 21 47 902 2,530 56........... (78) 455 5,830 412 (311) 902 7,210........... (258) (258)................. 1,210 190 36 42 1,478......... 1,210 190 36 (216) 1,220........... (24) (1) 863 (6) 136 968......................... 27 12 48 5 20 112................... 9,737 1,379 41 (11) 11,146..................... 684 585 1,113 38 6,005 (5,863) 2,562..................... 44,119 15,071 18,938 3,093 4,656 (5,863) 80,014 65.................... (10,508) (1,237) (26) 4 (11,767) 52.................... 33,611 13,834 18,912 3,093 4,660 (5,863) 68,247............... (11,259) (1,805) (990) 12 3 (14,039)..................... 22,352 12,029 17,922 3,105 4,663 (5,863) 54,208 66........................ (5,770) (2,153) (4,353) (1,237) (6,323) (19,836)..................... (13,769) (4,678) (4,875) (798) 405 5,863 (17,852)..................... (19,539) (6,831) (9,228) (2,035) (5,918) 5,863 (37,688)................. 2,813 5,198 8,694 1,070 (1,255) 16,520... 1,026 892 521 (16) 94 2,517............... 3,839 6,090 9,215 1,054 (1,161) 19,037 % % % % % %............... 20.2 32.0 48.4 5.5 (6.1) 100.0..................... 58.1 49.4 48.8 65.8 127.0 55.2 49................... 390,963 239,286 284,497 40,665 2,955 958,366......................... 530,970 296,797 1,755,043 116,846 161,458 (406,425) 2,454,689......................... 525,221 286,007 308,416 107,130 951 1,227,725 95 58

............................. 59............................. 60............................. 66.................... 71...................... 77........................... 82........................ 89 2011 16 42 34.21201031.25 200927.56 2011 2010 2009 % % %.......................... 4,671 21.3 4,302 22.6 4,009 56.7.......................... 5,823 26.6 5,692 29.9 5,029 71.0.................. 7,471 34.2 5,902 31.0 4,200 59.3.................... 1,492 6.8 892 4.7 455 6.4........................ 100 0.5 454 2.4 (7,738) (109.3)...................... 2,315 10.6 1,795 9.4 1,124 15.9 49 21,872 100.0 19,037 100.0 7,079 100.0 12 31 2011 2010 % %............................................ 1,281,945 50.3 1,249,527 50.9............................................ 473,024 18.5 429,565 17.5.................................... 317,816 12.4 278,062 11.3...................................... 57,464 2.2 52,757 2.1.......................................... 504,302 19.7 492,487 20.1........................................ 144,889 5.7 139,938 5.7.................................... (223,861) (8.8) (187,647) (7.6) 67 2,555,579 100.0 2,454,689 100.0 12 31 2011 2010 % %............................................ 1,209.5 1,103.1............................................ 340.2 27.8 301.6 27.2............................................ 105.7 8.6 106.9 9.7.................................... 279.3 22.8 217.5 19.6...................................... 58.9 4.8 54.1 4.9.......................................... 337.3 27.6 330.7 29.9........................................ 102.3 8.4 95.9 8.7 95 59

2011 2010 2009......... 11,001 11,250 12,268....... 6,236 6,371 6,267....... 2,161 2,863 5,459... 4,848 2,266 (450) 52..... 24,246 22,750 23,544 53......... (2,512) (3,020) (5,568)....... 21,734 19,730 17,976....... (17,069) (15,445) (13,988)........... 4,665 4,285 3,988 54.. 6 17 21......... 4,671 4,302 4,009....... 70.4% 67.9% 59.4% 55...... 1.5% 1.3% 1.2%....... 74,892 75,698 76,703 2011 53% 2010 2.1%2011 0.9% 12 8.4% 9 5.2%12 3.6% 0.5 2011 10 7501,200 2,7504,400 2011 2011 1.5% 3% 2011 12 5.5% 10.4% 2011 1 47 2010 9% 2011 29 2010 1.98 2010 Eversholt Rail Group 1.072.55 61% 95 60

17 17 2011............................... 1,330 1,227 (265) 192 1,037 3,521 44............................. 69 192 (194) 16 18 101............................... 36 69 203 28 16 352............................. 31 72 21 124............................... (8) 225 217............................. 7 62 87 2 158............................... (151) 73 225 94 (43) 198 1,322 1,687 77 557 1,028 4,671 2010............................... 1,181 827 1,772 223 (1,605) 2,398 44............................. 138 135 376 18 26 693............................... 36 32 231 30 4 333............................. 37 56 17 110............................... (5) 265 260............................. 64 80 105 1 250............................... (144) 80 202 103 17 258 1,312 1,205 2,703 640 (1,558) 4,302 2009............................... 331 1,026 3,078 252 (2,561) 2,126 44............................. 67 102 881 3 (429) 624............................... 34 21 221 32 (18) 290............................. 33 58 9 100............................... 5 448 (3) 450............................. 43 97 119 2 261............................... (183) (12) 219 117 17 158 95 2011 4.04 2011HSBC World Selection 21% 2538 2011 10 2011 2011 10% 53% 325 1,292 4,532 854 (2,994) 4,009 3.55.42 15% 5%4% 2011 61

2011 18 2011 101 6% 2010 2011 4% 33 2011 2010 3.91 2010 2,900 4.79 2011 2011 2010 62

63 2010 3% 15%2010 PVIF 2010 2011PVIF PVIF 28% 2011 2010 20% 25 1.45 4,600 9% 8.98 5.7 4.04 5.87 2010 3.543.24 2010 2011 3

2011 64................. 5,653 3,107 2,102 936 (574) (223) 11,001....................... 2,633 1,640 989 942 32 6,236................. 40 5 602 191 (201) 637............... 11 16 1,205 16 53 223 1,524 56............. 51 21 1,807 207 (148) 223 2,161............. 3,180 3,180........... (672) (21) (65) 46 (712)........... (672) (21) (65) 3,226 2,468............. 51 (1) 453 1 11 515........................... 1 1 42 4 1 49..................... 3,768 381 (13) 4,136....................... 95 58 187 5 760 74 1,179....................... 11,580 5,186 5,515 2,095 3,295 74 27,745 65..................... (3,212) (287) (3,499) 52..................... 8,368 4,899 5,515 2,095 3,295 74 24,246................. (596) (960) (876) (82) 2 (2,512)....................... 7,772 3,939 4,639 2,013 3,297 74 21,734....................... (6,450) (2,252) (4,569) (1,456) (2,268) (74) (17,069)........................... 1,322 1,687 70 557 1,029 4,665..... 7 (1) 6......................... 1,322 1,687 77 557 1,028 4,671 % % % % % %................. 6.0 7.7 0.4 2.5 4.7 21.3....................... 77.1 46.0 82.8 69.5 68.8 70.4 49.................... 150,205 98,154 156,903 28,378 696 434,336........................... 210,140 124,049 1,021,486 77,410 63,141 (214,281) 1,281,945........................... 176,134 104,530 154,208 58,265 267 493,404 64

2010 17 17 64................. 5,537 2,774 2,935 871 (654) (213) 11,250....................... 2,559 1,570 1,320 883 39 6,371................. (6) 3 1,541 185 (262) 1,461....... (1) 19 1,127 21 23 213 1,402 56............. (7) 22 2,668 206 (239) 213 2,863............. (365) (365)........... 496 113 (23) 61 647........... 496 113 (23) (304) 282............. (36) 525 (7) 4 486........................... 1 16 2 1 20..................... 3,800 278 (11) 4,067....................... 187 163 817 7 754 189 2,117.............. 12,536 4,921 8,258 1,962 (410) 189 27,456 65..................... (4,364) (342) (4,706) 52............. 8,172 4,579 8,258 1,962 (410) 189 22,750................. (1,217) (997) (783) (26) 3 (3,020).............. 6,955 3,582 7,475 1,936 (407) 189 19,730....................... (5,647) (2,378) (4,784) (1,296) (1,151) (189) (15,445)................... 1,308 1,204 2,691 640 (1,558) 4,285............. 4 1 12 17................. 1,312 1,205 2,703 640 (1,558) 4,302 % % % % % %................. 6.9 6.3 14.2 3.4 (8.2) 22.6....................... 69.1 51.9 57.9 66.1 (280.7) 67.9 49.................... 145,069 91,744 170,369 27,629 988 435,799........................... 205,032 111,356 962,861 76,631 65,824 (172,177) 1,249,527........................... 169,016 96,597 169,836 56,114 491,563 95 65

> 2011 2010 2009......... 4,691 4,246 4,195....... 3,097 2,962 2,669....... 1,189 1,312 1,225........... 1,705 1,682 1,378 52...... 10,682 10,202 9,467 53.......... (156) (114) (500)....... 10,526 10,088 8,967....... (4,758) (4,431) (3,946)........... 5,768 5,657 5,021 54............ 55 35 8......... 5,823 5,692 5,029....... 44.5% 43.4% 41.7% 55...... 5.3% 5.0% 4.2%....... 28,984 29,171 27,614 25% 2011 2011 20115% 2011 2011 2010 3.9% 3.2% 12 310.325 58 201057 2% 2010Bao Viet 5% 2011 20102011 2011 2011 95 66

2011 2010 2009................................. 3,022 3,001 2,789........................................... 1,608 1,352 956................................. 1,316 1,347 1,446....................................... 188 227 197............................................... (311) (235) (359) 9% 2011 2010 11% 20102011 2011 5,823 5,692 5,029 2011 49% 37% 5% 2011 9% 67

> 2011 5.37 2010 18% 10% PVIF PVIF 2011 1.35 4,200 2010 7% 2011 6,800 68

2011 64............. 2,571 1,317 1,051 173 (464) 43 4,691................... 1,741 706 475 160 15 3,097............. 120 169 652 135 (116) 960........... 9 1 246 16 (43) 229 56......... 129 170 898 135 (100) (43) 1,189................ (475) (72) (5) 15 (537)....... (475) (72) (5) 15 (537)......... 3 10 21 (10) 24....................... 1 14 24 39................. 4,317 758 13 5,088................... 505 175 79 8 1,185 (268) 1,684................... 8,791 3,065 2,546 476 665 (268) 15,275 65................. (3,887) (697) (9) (4,593) 52................. 4,904 2,368 2,537 476 665 (268) 10,682............. (77) (66) 23 (36) (156)................... 4,827 2,302 2,560 440 665 (268) 10,526................... (1,811) (703) (1,248) (252) (1,012) 268 (4,758)............... 3,016 1,599 1,312 188 (347) 5,768......... 6 9 4 36 55............. 3,022 1,608 1,316 188 (311) 5,823 % % % % % %............. 13.8 7.3 6.0 0.9 (1.4) 26.6................... 36.9 29.7 49.2 52.9 152.2 44.5 49................. 56,296 54,986 39,667 5,447 1,269 157,665....................... 85,866 63,516 238,892 20,680 84,782 (20,712) 473,024....................... 181,316 79,225 35,283 19,622 (101) 315,345 69

2010 17 17 64............. 2,604 1,106 915 173 (463) (89) 4,246................... 1,656 634 495 163 14 2,962............. 198 121 680 120 (12) 1,107........... 4 100 12 89 205 56................. 202 121 780 120 89 1,312......... (2) (2)....... 328 (10) 61 1 380....... 328 (10) 61 (1) 378......... 56 1 41 98....................... 1 12 17 30................. 3,655 665 12 4,332................... 513 68 156 12 1,140 (283) 1,606................... 8,958 2,585 2,487 469 748 (283) 14,964 65................. (4,193) (559) (10) (4,762) 52................. 4,765 2,026 2,477 469 748 (283) 10,202................. (76) (28) (10) (114)................... 4,689 1,998 2,467 469 748 (283) 10,088................... (1,693) (653) (1,124) (242) (1,002) 283 (4,431)............... 2,996 1,345 1,343 227 (254) 5,657......... 5 7 4 19 35............. 3,001 1,352 1,347 227 (235) 5,692 % % % % % %............. 15.7 7.1 7.1 1.2 (1.2) 29.9................... 35.5 32.2 45.4 51.6 134.0 43.4 49................. 50,983 48,670 34,491 4,760 1,787 140,691 68...................... 76,871 55,030 223,286 20,598 62,486 (8,706) 429,565....................... 176,960 71,209 29,388 19,241 686 297,484 95 70

22 2011 2010 2009......... 5,102 3,828 3,539....... 2,111 1,932 1,557....... 1,658 1,618 1,606........... 1,842 1,854 1,301 52...... 10,713 9,232 8,003 53.......... (267) (439) (896)....... 10,446 8,793 7,107....... (5,806) (5,143) (4,450)........... 4,640 3,650 2,657 54.. 2,831 2,252 1,543......... 7,471 5,902 4,200....... 54.2% 55.7% 55.6% 55...... 3.1% 3.1% 2.4%....... 91,051 91,607 87,141 24% 2011 2011 2011 21.5% 7 6.5% 4% 9.7% 8.9% 201010.4% 20119.2% 2011 2011 3 2011 3 20112010 2011 5.2% 95 71

17 17 2011......................... 88 106 108 5 307......................... (14) 122 539 5 161 813......................... 6 89 157 7 259..................... 1,112 1,340 1,116 (4) 117 3,681................... 1,179 1,150 529 117 2,975........... (67) 190 587 (4) 706..................... 173 118 228 1 9 529....................... 183 133 189 97 (7) 595......................... 45 23 130 12 210......................... 51 79 24 154......................... 48 264 543 (8) 76 923 1,641 2,246 3,089 91 404 7,471 2010......................... 59 96 95 8 258......................... (83) 71 508 4 179 679......................... 12 94 116 (3) 219..................... 839 833 683 (7) 217 2,565................... 973 746 443 188 2,350........... (134) 87 240 (7) 29 215..................... 120 88 194 (1) 401....................... 169 87 100 84 84 524......................... 31 36 87 (7) 147......................... (7) 50 61 7 111......................... 22 201 644 131 998 1,162 1,556 2,488 81 615 5,902 2009......................... 30 32 140 (4) 198......................... (220) (41) 394 1 240 374......................... (24) 60 129 (11) 154..................... 494 616 479 (7) 50 1,632................... 678 558 285 1,521........... (184) 58 194 (7) 50 111..................... 88 53 140 5 286....................... 154 77 222 98 (9) 542......................... 6 65 87 2 160......................... (8) 40 63 6 101......................... (9) 162 617 (2) (15) 753 511 1,064 2,271 90 264 4,200 95 2011 9 2.5% 5.2% 11124.75 4.25 75 201059 27% 20102011 1.881.81 23% 72

73 20102011 24 50 2010 9% Amanah 2011 2011 12 2012 1 2012 28% 2010 4% 17 2010 1,80020102,900

2011 2,300 2010 1.512011 2010 58% 7.59 9,200 PVIF 42 2.67 8% 22% 2011 7 74

2011 64...................... 1,838 1,254 1,964 116 123 (193) 5,102............ 904 513 621 82 (9) 2,111.............. 94 156 1,153 66 (90) 1,379.... (2) 1 76 11 193 279 56.......... 92 157 1,229 66 (79) 193 1,658.......... 4 4........ (38) 2 1 15 (20)........ (38) 2 1 19 (16).......... 2 (25) 1 (1) (23)........................ 2 2.................. 493 266 759.................... 145 72 75 5 1,592 (178) 1,711.................... 3,434 2,266 3,867 270 1,645 (178) 11,304 65................... (351) (240) (591) 52................... 3,083 2,026 3,867 270 1,645 (178) 10,713.............. (222) 10 (57) 2 (267).................... 2,861 2,036 3,810 272 1,645 (178) 10,446.................... (2,409) (945) (1,268) (181) (1,181) 178 (5,806)........................ 452 1,091 2,542 91 464 4,640.. 1,189 1,155 547 (60) 2,831...................... 1,641 2,246 3,089 91 404 7,471 % % % % % %.............. 7.5 10.3 14.1 0.4 1.9 34.2.................... 78.1 46.6 32.8 67.0 71.8 54.2 49.................. 40,970 38,404 41,114 3,190 190 123,868........................ 54,484 50,688 195,549 12,879 16,616 (12,400) 317,816........................ 60,831 40,423 60,855 11,872 31 174,012 75

2010 17 17 64.................... 1,581 938 1,435 91 55 (272) 3,828.......... 834 442 611 55 (10) 1,932............ 80 129 967 69 (38) 1,207.......... 138 1 272 411 56........ 80 129 1,105 69 (37) 272 1,618........ (2) (2)...... 41 2 (1) (16) 26...... 41 2 (1) (18) 24........ 3 51 92 146...................... 1 1................ 386 62 448.................. 109 86 55 1 1,499 (152) 1,598.................. 3,031 1,662 3,257 216 1,581 (152) 9,595 65................. (324) (39) (363) 52................. 2,707 1,623 3,257 216 1,581 (152) 9,232................ (298) (19) (122) (439).................. 2,409 1,604 3,135 216 1,581 (152) 8,793.................. (2,233) (799) (1,094) (135) (1,034) 152 (5,143)...................... 176 805 2,041 81 547 3,650........ 986 751 447 68 2,252.................... 1,162 1,556 2,488 81 615 5,902 % % % % % %............ 6.1 8.2 13.1 0.4 3.2 31.0.................. 82.5 49.2 33.6 62.5 65.4 55.7 49................ 37,831 31,423 35,810 3,489 178 108,731...................... 49,758 41,588 166,710 12,126 19,450 (11,570) 278,062...................... 54,741 36,943 53,752 12,620 99 158,155 95 76

40% 2011 2010 2009..................... 1,432 1,367 1,485................... 627 677 625................... 482 370 394....................... 66 (4) 90 52.................. 2,607 2,410 2,594 53...................... (293) (627) (1,334)................... 2,314 1,783 1,260................... (1,159) (1,078) (1,001)....................... 1,155 705 259 54.............. 337 187 196..................... 1,492 892 455................... 44.5% 44.7% 38.6% 55........ 2.6% 1.6% 0.8%................... 8,373 8,676 8,281 2010 2008 2011 95 2011 5% 15% 25% 2010 6 15 6 67% 2010 British Arab Commercial Bank 4,2002011 2,700 HSBC Saudi Arabia Limited SABB Securities Limited HSBC Saudi Arabia Limited 57% 2010 77

17 17 2011....................................... 43 55 129 (2) 225..................................... (4) 35 81 112..................................... 134 240 200 (6) 7 575....................................... 17 109 93 219............... 190 439 503 (6) 5 1,131................................. 57 98 140 4 62 361 247 537 643 (2) 67 1,492 2010....................................... 38 82 77 (2) 195..................................... 19 52 67 138..................................... 17 186 121 1 (1) 324....................................... 19 57 (19) 57............... 93 377 246 1 (3) 714................................. 25 107 53 (16) 9 178 118 484 299 (15) 6 892 2009....................................... 18 51 97 58 224..................................... 10 60 66 136..................................... (177) (136) 307 (2) 5 (3)....................................... 3 (15) (80) (3) (95)............... (146) (40) 390 (2) 60 262................................. 42 61 55 8 27 193 95 (104) 21 445 6 87 455 10% 2011 ClientSphere 78