緊密聯繫客戶助握無限商機 滙豐控股有限公司 2014 年中期業績報告
2014 206 268 IASB IAS34 2013 12 31 IASB IFRS IFRS IFRS IASB IFRS 2013 12 31 2013 12 31 IFRS IFRSIASB IFRS IASB IFRS2013 12 31 2014 6 30 2014 6 30 IFRS IFRS IASB IFRS IFRS....................... 1....................... 1............................. 2..................... 4........... 6......... 8...................... 9.................. 11......................... 14............................. 16 1........................ 19 1........................ 45 1............................ 61........................ 95 1............................ 99 1............................ 175 199......................... 206 1................... 214.................. 269 KPMG Audit Plc....... 270 1................... 271....... 280............................. 281............................. 284............................. 293 1 19 22 RoRWA 43 21 50
1 5,200 256,000 74 6,200 1,930 216,000129 2014 2016 2014 2016
2 12% 123 4% 126 4 11.3%2013 0.4% 2014 6 30 8.5 14.1 12.3 8.6 13.0 12.6 5.6 10.0 9.5 0.30 0.54 0.50 0.29 0.20 0.20 51.9 66.7 58.0 53.5 66.6 58.6 7.9 7.6 5.3 2014 6 30 182 190 199 2,671 2,645 2,754 992 938 1,047 1,267 1,361 1,416 96
6.5 12.0 10.7 13.6 12.7 1.5 2.1 11.3 2.6 0.5 0.8 0.8 4.1 16.6 74.0 72.9 74.1 17.8 1,093 4.3 4.4 10.9 10.8 14.9 2014 6 30 0.50 190.71 2013 6 30186.27 2013 12 31188.30 1,930 2013 6 301,960 2013 12 312,070 11.2 5.93 2013 6 306.82 2013 12 316.62 15.4 1,105 78.60 2013 6 3081.25 2013 12 3184.15 9 2014 6 30... 92 112 149 10... 110 126 164 1,215 8 1,249 50.80 2013 6 3051.90 2013 12 3155.13 96 3
2014 6 30 11.3%10.9% 10.1% 2014 2014 123 20131712% 4% 0.5 20130.54 20140.2 2% 20 4
5 8 1 Heidi Miller 9 1 30 2010 2012 2009 2014 8 4
6 2014 123 2013 17 126 5 4 10.7% 4 11.3% 10.9% 2011 2011 2013 74 15 2014
7 150 2014 2011 2013 8% 10.9% 2014 2013 19% 7.1% 2014 2014 2014 7.5% 2014 2015 2014 8 4
2013 79 8
10 35 30 2050 2050 30 18 9
1.4 74% 10
19 21 2014 90% 85% 90% PRA FCA 11
GMB 11 96 12
13 14 96 21 2013 79 15 17 16 18 14 19 1. 2. 3. 4. 5. 6. 15 13
2014 1 2013 24 14
2012 Michael Cherkasky2013 7 2014 2 15
16 2013 39 96 2013 135
2014 2014 2014 105 100 2013134 297 17
RAS 2014 21 2014 6 30 5...... >10% 11.3%......... 2016 12% 15% 10.7% 5.... 2.2% 2.6% 2.1%........... 55% 58.6% 3.... 90% 74.0%.... 96 15% 5.3% 2014 9.5-10.5% >10% 2.1-2.7%2.2-2.6% 4 4185 48-52% 55% 2014 18
... 19............................. 19.................. 22........................... 25....... 28.......................... 28........................ 29........................ 30........... 31............. 32...................... 32........................ 33.................... 34.......................... 34............................ 35............. 36............................ 37....................... 38 2013 12 312014 6 30.. 39..................... 43 IFRS 206 2014 6 30 2014 6 30 2013 6 302013 12 31 2013 6 302013 12 31 2013 6 302013 12 31 2014 6 30 2013 6 30 2013 12 31 2014 6 30 19
2014 6 30 2014 2013 6 30 2013 2013 2013 22 2014 2014 23 23 % %............................ 17,819 (235) 17,584 17,405 (2) (1).......................... 8,404 (44) 8,360 8,177 (3) (2).......................... 6,362 142 6,504 3,275 (49) (50) 24......................... (19) 4 (15) (215).................... (1,178) (78) (1,256) 1,875...................... (1,197) (74) (1,271) 1,660................ 1,856 16 1,872 946 (49) (49)........................ 6,226 (17) 6,209 6,137 (1) (1)............ 1,053 (30) 1,023 626 (41) (39).......................... 40,523 (242) 40,281 38,226 (6) (5).. (6,151) (19) (6,170) (7,059) (15) (14) 13......................... 34,372 (261) 34,111 31,167 (9) (9)............ (3,116) 106 (3,010) (1,841) 41 39.......................... 31,256 (155) 31,101 29,326 (6) (6).............................. (18,399) 125 (18,274) (18,266) 1.............................. 12,857 (30) 12,827 11,060 (14) (14)................ 1,214 22 1,236 1,280 5 4............................ 14,071 (8) 14,063 12,340 (12) (12).................... 3,267 43 3,310 3,045 (7) (8).............................. 4,133 16 4,149 4,771 15 15.................... 5,723 (46) 5,677 5,033 (12) (11).......................... 108 11 119 364 237 206.................................. 840 (32) 808 (873)............................ 14,071 (8) 14,063 12,340 (12) (12).................................. 2,768 227 2,995 2,258 (18) (25) 11................................. 9,262 (98) 9,164 7,894 (15) (14)............................ 909 (3) 906 989 9 9................................ 666 (33) 633 825 24 30.............................. 466 (101) 365 374 (20) 2............................ 14,071 (8) 14,063 12,340 (12) (12) 20
2014 6 30 2014 2013 12 31 2013 2013 2013 22 2014 2014 23 23 % %............................ 17,720 66 17,786 17,405 (2) (2).......................... 8,030 39 8,069 8,177 2 1.......................... 2,328 (87) 2,241 3,275 41 46 24......................... (1,227) (13) (1,240) (215) 82 83............................ 3,192 109 3,301 1,875 (41) (43).............................. 1,965 96 2,061 1,660 (16) (19)................ 156 156 946........................ 5,714 12 5,726 6,137 7 7............ 1,901 6 1,907 626 (67) (67).......................... 37,814 132 37,946 38,226 1 1.. (7,541) (23) (7,564) (7,059) 6 7 13......................... 30,273 109 30,382 31,167 3 3............ (2,733) (3) (2,736) (1,841) 33 33.......................... 27,540 106 27,646 29,326 6 6.............................. (20,157) (146) (20,303) (18,266) 9 10.............................. 7,383 (40) 7,343 11,060 50 51................ 1,111 1,111 1,280 15 15............................ 8,494 (40) 8,454 12,340 45 46.................... 3,382 20 3,402 3,045 (10) (10).............................. 4,308 2 4,310 4,771 11 11.................... 3,718 (45) 3,673 5,033 35 37.......................... 85 85 364.................................. (2,999) (17) (3,016) (873) 71 71............................ 8,494 (40) 8,454 12,340 45 46.................................. (943) 61 (882) 2,258 11................................. 6,591 (10) 6,581 7,894 20 20............................ 785 (3) 782 989 26 26................................ 555 (24) 531 825 49 55.............................. 1,506 (64) 1,442 374 (75) (74)............................ 8,494 (40) 8,454 12,340 45 46 96 www.hsbc.com 6-K www.sec.gov 21
96 24 25................................................. 2013 1 1,089 Bao Viet Holdings 25................... 2013 3 104 Household Insurance Group Holding Company 25.... 2013 3 (99) HSBC Seguros, S.A. de C.V., Grupo Financiero HSBC 25............................................................... 2013 4 20 HSBC (Hellas) Mutual Funds Management SA 26.. 2013 4 (7) Hana HSBC Life Insurance Company Limited 25.......................................................... 2013 5 28 HSBC Assurances IARD 26............................ 2013 5 (4) 26.... 2013 6 (36) HSBC Markets (USA) Inc. Rutland Plastic Technologies 26............... 2013 8 17 HSBC Insurance (Singapore) Pte Ltd 26............ 2013 8 (8) FIP Colorado 26................. 2013 8 (5) Viking Sea Tech 25.......... 2013 8 54 HSBC Latin America Holdings UK Limited 26................... 2013 10 1,107 HSBC Latin America Holdings UK LimitedHSBC Bank (Peru) S.A. 26............. 2013 11 (18) HSBC Latin America Holdings UK LimitedHSBC Bank (Paraguay) S.A. 26......... 2013 11 (21) 25.................................................... 2013 12 (38) HSBC Latin America Holdings UK LimitedHSBC Bank (Colombia) S.A. 25......... 2014 2 18 Vietnam Technological & Commercial Joint Stock Bank 25................................ 2014 6 (32) 25.............................. 2014 6 96 22
2014 2013 6-Kwww.hsbc.com 2014 6 30 2013 6 30 23 2014 6 30 2013 12 31 23 % %................................ 17,405 17,819 (2) 17,405 17,720 (2) 22........................... (235) 66.................... (27) (223) (27) (150)................................ 17,378 17,361 17,378 17,636 (1)................................ 538 946 (43) 538 1,686 (68) 22........................... (28) 6.................... 14 (1,107) 14 (1,132)................................ 552 (189) 552 560 (1) 13................................ 31,167 34,372 (9) 31,167 30,273 3 22........................... (265) 122 23........................... 215 19 215 1,227.................... (23) (1,406) (23) (1,332)................................ 31,359 32,720 (4) 31,359 30,290 4................................ (1,841) (3,116) 41 (1,841) (2,733) 33 22........................... 106 (3).................... 2 44 2 17................................ (1,839) (2,966) 38 (1,839) (2,719) 32................................ (18,266) (18,399) 1 (18,266) (20,157) 9 22........................... 125 (146).................... 26 315 26 146................................ (18,240) (17,959) (2) (18,240) (20,157) 10.................. 58.2% 54.9% 58.2% 66.5%................................ 1,280 1,214 5 1,280 1,111 15 22........................... 22.................... (14) 102................................ 1,280 1,222 5 1,280 1,213 6................................ 12,340 14,071 (12) 12,340 8,494 45 22........................... (12) (27) 3........................... 215 19 215 1,227.................... 5 (1,061) 5 (1,067)................................ 12,560 13,017 (4) 12,560 8,627 46 96 23
2014 2013 2014 2013 6 30 6 30 23 6 30 12 31 23 % %................... 3,039 3,382 (10) 3,039 3,104 (2)............................. 4,758 4,098 16 4,758 3,831 24................... 5,024 5,662 (11) 5,024 3,307 52......................... 364 119 206 364 84................................. (625) (244) (156) (625) (1,699) 63................. 12,560 13,017 (4) 12,560 8,627 46................................. 2,417 3,011 (20) 2,417 109 11................................ 7,931 8,035 (1) 7,931 6,727 18........................... 984 891 10 984 768 28............................... 870 775 12 870 717 21............................. 358 305 17 358 306 17................. 12,560 13,017 (4) 12,560 8,627 46 96 24
2014 6 30 2013 6 30 2013 12 31................................................... 17,405 17,819 17,720................................................. 8,177 8,404 8,030................................................. 3,275 6,362 2,328..................... 1,660 (1,197) 1,965....................................... 946 1,856 156..................................................... 88 107 215............................................... 6,137 6,226 5,714................................................. 538 946 1,686................................................. 38,226 40,523 37,814......................... (7,059) (6,151) (7,541)............................................... 31,167 34,372 30,273................................... (1,841) (3,116) (2,733)................................................. 29,326 31,256 27,540................................................. (18,266) (18,399) (20,157)..................................................... 11,060 12,857 7,383....................................... 1,280 1,214 1,111................................................... 12,340 14,071 8,494..................................................... (2,022) (2,725) (2,040)..................................................... 10,318 11,346 6,454........................................... 9,746 10,284 5,920........................................... 572 1,062 534 1.................................................. 0.599 0.648 0.632 1.................................................. 0.730 0.761 0.745 2014 123 201317 12% 2013 11 2014 2 2013 4% 126 2013 23 144% 314 2014 2014 4.28 DVA1.552013 4.51 3.22 28 2013 25
2.93 (Consumer Credit Act)3.67 2013 5.53 4.42 2.79 2.71 1.99 HFC Bank UK1.38 1 4 97 55 33% 37% 2 4 18 201311 6 3 2014 3 2013 2014 2% 182 2014 2.34 20134.12 26
8,200 2013 2.38 2013 2.98 1.19 1 4.3 7.56 4% 5% 201416.4% 2013 19.4% 2013 2014 2013 2013 6 30 6 30 12 31................................... (155) 451 (346) 28.................................... (322) 293 218....................... 442................................... 428..................... (199) HFC Bank UK......................... (138) (8)....................... (15) (1) (122)................................. (271)................................. 553......................... (367)................. (279) (431) 851 (258) 2014 2013 2013 6 30 6 30 12 31................. (430)..................................... 298................... 119 233....................................... 82 238 245................................................. (45) 9 907........................................... 234 412 823......... 100 271 746 2,208 27
2014 6 30 2013 6 30 2013 12 31..................................................... 25,435 25,740 25,452..................................................... (8,030) (7,921) (7,732) 29.................................................. 17,405 17,819 17,720............................................... 1,801,862 1,657,555 1,680,988 30.................................................... 2.85% 3.13% 3.00%..................................................... (1.03%) (1.15%) (1.05%) 31...................................................... 1.82% 1.99% 1.95% 31................................................ 1.95% 2.17% 2.09% 96 2013 174 20134.14 1.79 20132014 2014 2,7002013 2.23 2.35 2014 2013 2014 28
2014 2013 2014 6 30 2013 6 30 2013 12 31..................................................... 1,734 1,701 1,880..................................................... 1,283 1,347 1,326........................................................... 1,210 1,304 1,151......................................................... 963 930 977................................................. 664 734 654....................................................... 558 580 577......................................................... 536 518 348................................................. 518 481 410......................................................... 411 415 434..................................................... 359 364 334......................................................... 302 280 271......................................................... 1,493 1,494 1,463..................................................... 10,031 10,148 9,825................................................. (1,854) (1,744) (1,795)................................................. 8,177 8,404 8,030 2.27 1.83 29
2014 2014 6 30 2013 6 30 2013 12 31..................................................... 2,666 5,766 1,155 32.................................... (682)......................................... 913 1,132 915................................... (4) (200) 6............................................... 15 7 15............................................... 22 46 19................................................. (337) 293 218 33, 34.............................................. 3,275 6,362 2,328 2014 2013 2013 6 30 6 30 12 31............................................. (155) 451 (346)......................... 442 32............................... (682)..................... (199) 28............................................ (322) 293 218 (477) 305 (128) 96 33 31 3250% 2013 2013 2013 30
2014 6 30 2013 6 30 2013 12 31......... 1,396 717 2,453................................. (231) (506) (731)......................... 438 (1,419) 191 35............................ (215) (19) (1,227) 36...................................... 653 (1,400) 1,418................. 57 11 52..................... 1,660 (1,197) 1,965 2014 6 30 2013 6 30 2013 12 31............................. 31,823 35,318 38,430............................. 82,968 84,254 89,084 37........................ 11,906 10,017 10,717......................... 16,927 23,365 25,423............................. 75,740 71,456 75,278 96 2013 57 2014 172013 1213 2.15 2013 14 6.43 2013 57 2014 2013 31
2014 2013 2013 6 30 6 30 12 31.................................................. 185 416 75 32........................ 1,235.............................................. 782 253 209.............................................. 2 (2) 1 969 1,902 285.......................................... (23) (46) (129)........................................ 946 1,856 156 96 2014 9.1 9.26 2013 12 2014 4.28 2013 2014 6 30 2013 6 30 2013 12 31.................................................. 6,358 6,451 5,947.................................................... (221) (225) (233)................................................ 6,137 6,226 5,714 2013 DPF 32
2014 2013 2013 6 30 6 30 12 31...................................................... 82 77 78............................ 10 (481) (248)................................................ 71 110 3............ 3 14 164.......... (32) 1,089 (38).................................... 1,107...................................... 200 100 425.......................................................... 204 37 195.................................................. 538 946 1,686 2014 2013 2013 6 30 6 30 12 31................................................ 479 517 407...................................................... (286) (249) (256)............................................ (3) (127) 215...................................................... 10 (41) 59...................................... 200 100 425 5.38 4.08 3.8 221,400 11 22 2013 2013 4 2.71 2.79 HFC Bank UK1.38 PVIF 2013 2013 33
2014 2013 2013 6 30 6 30 12 31...................................................... 7,212 6,239 7,709............................................ (153) (88) (168) 38..................................................... 7,059 6,151 7,541 96 9.088.89 2014 6 30 2013 6 30 2013 12 31.................................. 2,581 3,828 3,516.............................................. (556) (639) (657) 2,025 3,189 2,859.................................................. 558 1,121 1,199.................................................. 1,467 2,068 1,660...................................... (214) (82) (129).............................................. 30 9 3.................................... 1,841 3,116 2,733 % % %............ 0.4 0.7 0.6 1813 11 2013 6 300.7% 2014 6 30 0.4% 1239 5.9 2013 4.73 34
2014 2013 2014 6 30 2013 6 30 2013 12 31................................................ 9,978 9,496 9,700.................................. 2,092 2,008 2,175................................................ 5,035 5,719 7,163...................................................... 17,105 17,223 19,038.................................... 712 699 665............................................ 449 477 454...................................................... 18,266 18,399 20,157 2014 6 30 2013 6 30 2013 12 31.......................................................... 69,642 69,599 68,334 11......................................................... 115,111 113,631 113,701.................................................... 8,530 8,667 8,618........................................................ 20,649 21,454 20,871...................................................... 42,157 46,046 42,542...................................................... 256,089 259,397 254,066 96 183 1.331% 2% 2014 20132013 2.98 1.19 2014 1.27 1 4.3 2014 1.78 2013 4.12 2014 2.34 1.94 35
1.56 2013 2.38 2014 8,200 7.56 3.26 20145 2% 2 2014 6 30 2013 6 30 2013 12 31 % % %.......................................................... 58.6 53.5 66.6.......................................................... 76.8 68.5 102.7 11......................................................... 41.4 36.2 46.0.................................................... 47.4 49.2 53.8........................................................ 69.8 70.7 75.3...................................................... 67.8 61.9 51.0............................................ 67.1 63.6 65.4...................................................... 44.2 42.4 43.7............................................ 50.6 47.0 58.2.................................................. 70.6 89.9 92.7 96 2014 6 30 2013 6 30 2013 12 31........................................ 978 941 937................................................ 239 208 195........................................................ 37 43 (38).............................................. 1,254 1,192 1,094.............................................. 26 22 17........................................ 1,280 1,214 1,111 13 5% 4% 2014 6 30 21 36
2014 2014 6 30 2013 6 30 2013 12 31.................................................... 12,340 14,071 8,494...................................................... (2,022) (2,725) (2,040).................................................... 10,318 11,346 6,454...................................................... 16.4% 19.4% 24.0% 201416.4% 21.5% 2014 2013 37
U N 2014 2013 2013 6 30 6 30 12 31........................................ 132,137 148,285 166,599.................................................. 347,106 432,601 303,192.................................... 31,823 35,318 38,430.................................................. 269,839 299,213 282,265 3..................................................... 127,387 127,810 120,046 3, 39................................................... 1,047,241 938,294 992,089 3..................................... 198,301 88,400 179,690...................................................... 423,710 404,214 425,925.............................................. 10,248 20,377 4,050...................................................... 165,801 150,804 159,032...................................................... 2,753,593 2,645,316 2,671,318 3..................................................... 92,764 92,709 86,507 3..................................................... 1,415,705 1,266,905 1,361,297 3......................................... 165,506 66,591 164,220.................................................. 228,135 342,432 207,025.................................... 82,968 84,254 89,084.................................................. 263,494 293,669 274,284................................................ 96,397 109,389 104,080.................................................. 75,223 69,771 74,181.................................... 12,361 19,519 2,804...................................................... 122,318 117,716 117,377...................................................... 2,554,871 2,462,955 2,480,859.................................................. 190,281 174,070 181,871................................................ 8,441 8,291 8,588.............................................. 198,722 182,361 190,459........................................ 2,753,593 2,645,316 2,671,318.................................................... 9,535 9,313 9,415 40, 41................................................... 192,834 183,450 194,009............................................ 2,777 2,777 2,777 42................................... 49,644 44,539 48,114 4................................... 1,248,572 1,214,939 2.5............................... 1,104,764 1,092,653 % % % 3..................................... 74.0 74.1 72.9................................ 6.9 6.4 6.6 43.............................. 9.64 8.96 9.27 0.5........................... 19,071 18,627 18,830 1................................................... 0.586 0.657 0.605 1................................................... 0.732 0.767 0.726 96 208 38
2.8 2013 12 31 3% 5002% 74% 410 380 370 13% 73 HSBC Life (UK) Limited 6% 68 4104% 62 HSBC Life (UK) Limited 3803% 9% 8% HSBC Life (UK) Limited 9% 95 HSBC Life (UK) Limited 39
U L U L U L U L y N y N y N y N 4% 9.17 2014 6 30 2013 12 31 2013 12 31 2013 2014 2014 12 31 6 30 6 30 44 % %........ 166,599 2,988 169,587 132,137 (21) (22).................. 303,192 4,496 307,688 347,106 14 13.... 38,430 670 39,100 31,823 (17) (19).................. 282,265 4,623 286,888 269,839 (4) (6) 3..................... 120,046 524 120,570 127,387 6 6 3..................... 992,089 13,803 1,005,892 1,047,241 6 4 3..... 179,690 2,317 182,007 198,301 10 9...................... 425,925 2,955 428,880 423,710 (1) (1).............. 4,050 23 4,073 10,248 153 152...................... 159,032 (297) 158,735 165,801 4 4...................... 2,671,318 32,102 2,703,420 2,753,593 3 2 3..................... 86,507 1,130 87,637 92,764 7 6 3..................... 1,361,297 16,739 1,378,036 1,415,705 4 3 3......... 164,220 2,090 166,310 165,506 1 -.................. 207,025 2,353 209,378 228,135 10 9.... 89,084 1,123 90,207 82,968 (7) (8).................. 274,284 4,693 278,977 263,494 (4) (6)................ 104,080 1,968 106,048 96,397 (7) (9).................. 74,181 218 74,399 75,223 1 1.... 2,804 15 2,819 12,361...................... 117,377 1,032 118,409 122,318 4 3...................... 2,480,859 31,361 2,512,220 2,554,871 3 2.................. 181,871 722 182,593 190,281 5 4................ 8,588 19 8,607 8,441 (2) (2).............. 190,459 741 191,200 198,722 4 4........ 2,671,318 32,102 2,703,420 2,753,593 3 2 96 40
2013 2013 2013 12 31 2014 1 1 3 2014 2013 2014 2013 6 30 6 30 6 30 12 31 % %...................... 1,047,241 938,294 12 1,047,241 992,089 6 45................. 1,658 13,808 (88) 1,658 1,703 (3)....... 80,710 31,088 160 80,710 88,215 (9)............ 1,129,609 983,190 15 1,129,609 1,082,007 4...................... 1,415,705 1,266,905 12 1,415,705 1,361,297 4....... 4,880 17,280 (72) 4,880 2,187 123.......... 104,902 49,277 113 104,902 121,515 (14)............ 1,525,487 1,333,462 14 1,525,487 1,484,999 3...................... 127,387 127,810 127,387 120,046 6...... 117,591 57,312 105 117,591 91,475 29............ 244,978 185,122 32 244,978 211,521 16...................... 92,764 92,709 92,764 86,507 7.......... 60,604 17,314 250 60,604 42,705 42............ 153,368 110,023 39 153,368 129,212 19........ 4,485 104,273 (96) 4,485 10,120 (56).................. 3,945 53,044 (93) 3,945 7,180 (45).................. 540 51,229 (99) 540 2,940 (82)............ 5,189 134,506 (96) 5,189 17,421 (70).................. 1,365 100,100 (99) 1,365 9,611 (86).................. 3,824 34,406 (89) 3,824 7,810 (51) 96 41
3 2014 2013 2013 6 30 6 30 12 31............................................... 614,776 520,984 581,933............................................... 499,295 410,971 462,796 46.............................................. 47,347 43,246 45,149............................................... 15,912 17,251 16,615............................................. 6,216 5,797 6,222............................................... 11,073 18,779 16,796............................................. 8,492 7,537 7,795............................................... 26,441 17,403 26,560 11.............................................. 570,221 516,616 548,483............................................... 381,058 342,632 365,905............................................... 20,803 18,240 19,812............................................... 12,155 9,852 11,549............................................... 5,979 6,559 5,865........................................... 41,198 37,843 40,579........................................... 17,570 16,899 17,093............................................. 45,885 44,145 43,988............................................... 14,609 12,053 12,758............................................... 30,964 28,393 30,934................................. 40,082 41,142 38,683............................................... 6,945 7,158 7,401............................................. 3,236 4,065 2,861............................................. 19,840 18,822 18,433............................................... 10,061 11,097 9,988............................................. 136,774 136,693 140,809............................................... 79,536 80,340 80,037............................................. 46,197 45,455 47,872............................................. 11,041 10,898 12,900........................................... 53,852 51,470 51,389............................................. 4,168 4,940 4,468............................................... 27,068 25,515 23,999............................................. 20,112 19,327 21,529............................................... 2,504 1,688 1,393 1,415,705 1,266,905 1,361,297 96 42
2014 6 30 2013 6 30 2013 12 31................................. 311.3 311.3 279.1 279.1 314.4 314.4...................................... 48.4 48.4 44.0 44.0 46.4 46.4...................................... 0.1 18.5 18.6 0.1 23.5 23.6 0.1 22.6 22.7...................................... 2.4 2.4 2.9 2.9 2.7 2.7.......................................... 6.2 36.8 43.0 6.4 48.2 54.6 6.3 33.4 39.7 161 169 2013 550 161 8.7 415.0 423.7 9.4 394.8 404.2 9.1 416.8 425.9 12% 15% 22 2013 12 31 2.52014 3 31 2014 6 30 4 4 1,250% 2012 5 43
2014 6 30 47 47, 48 %............................................................... 12,340 1,200 2.1 48.............................................................. 12,560 1,197 2.1............................................................... 343 122 0.6................................. 307 48 1.3 49............................................ 36 74 0.1....................................................... 1............................. 12,217 1,074 2.3 2013 6 30 2013 12 31 47 47, 48 47 47, 48 % %.......................... 14,071 1,109 2.6 8,494 1,099 1.5 48......................... 13,017 1,084 2.4 8,627 1,093 1.6.......................... 7 135 67 113 0.1.................. 157 36 0.9 33 30 0.2 49....... (150) 99 (0.3) 34 83 0.1.................. 5 2............. 13,010 944 2.8 8,560 978 1.7 96 2014 2013 2014 2013 6 30 6 30 6 30 12 31 % % 47. 1,200 1,109 8 1,200 1,099 9 44................. 2 4.......... (3) (27) (3) (10).. 1,197 1,084 10 1,197 1,093 10 96 44
....................................... 45......................... 46................................... 46............................... 46............................... 46....................... 46......................... 47............................... 47..................................... 48............................... 48................................... 50............................... 50......................... 50............................... 51......................... 52............................... 53......................... 53............................... 54............................... 55............................... 55................................... 55............................... 56....................................... 57....................................... 57............................. 58..... 58 61 19 45
51 2014 6 30 2013 6 30 2013 12 31 2,645,316 2014 6 30 2013 6 30 2013 12 31 % % %................... 3,045 24.7 3,267 23.2 3,382 39.8............................. 4,771 38.7 4,133 29.4 4,308 50.7................... 5,033 40.8 5,723 40.7 3,718 43.8......................... 364 2.9 108 0.8 85 1.0 50................................ (873) (7.1) 840 5.9 (2,999) (35.3) 12,340 100.0 14,071 100.0 8,494 100.0 % % %................... 523,729 19.0 504,205 19.1 517,085 19.4............................. 377,374 13.7 350,503 13.2 360,623 13.5................... 2,043,767 74.2 1,992,770 75.3 1,975,509 74.0......................... 99,379 3.6 114,883 4.3 97,655 3.7................................. 170,802 6.2 176,122 6.7 171,812 6.4......................... (461,458) (16.7) (493,167) (18.6) (451,366) (17.0) 2,753,593 100.0 2,645,316 100.0 2,671,318 100.0 2014 6 30 2013 6 30 2013 12 31 % % %................... 223.0 17.9 243.4 22.0 233.5 21.4............................. 424.9 34.0 385.9 34.9 391.7 35.8................... 537.3 43.0 429.2 38.9 422.3 38.6......................... 22.1 1.8 21.8 2.0 21.7 2.0................................. 41.3 3.3 24.5 2.2 23.5 2.2 1,248.6 100.0 1,104.8 100.0 1,092.7 100.0 52 2014 2013 2013 6 30 6 30 12 31........................................... 6 (72) 298..................................................... 13 51 479........................................... 9 15 366................................................. 1......................................................... (33) 1,067 (77) 96 (5) 1,061 1,067 46
2014 6 30................ 8,427 750 7,677...... 3,291 (1) 3,292.......... 605 (149) 754 13............. 12,323 600 11,723 53............... (1,225) (180) (1,045).............. 11,098 420 10,678.............. (8,269) (361) (7,908).................. 2,829 59 2,770 54......... 216 216................ 3,045 59 2,986 47... 2.7% 0.2% 3.9% 2013 6 30................ 9,310 1,151 8,159...... 3,586 (3) 3,589.......... 393 (355) 748 13............. 13,289 793 12,496 53............... (1,768) (396) (1,372).............. 11,521 397 11,124.............. (8,451) (631) (7,820).......... 3,070 (234) 3,304 54......... 197 197........ 3,267 (234) 3,501 47... 2.5% (0.5%) 4.5% 2013 12 31................ 9,029 910 8,119.............. 3,435 14 3,421.......... 987 (45) 1,032 13............. 13,451 879 12,572 53............... (1,459) (309) (1,150).............. 11,992 570 11,422.............. (8,797) (535) (8,262).................. 3,195 35 3,160 54......... 187 (1) 188................ 3,382 34 3,348 47... 2.8% 0.1% 4.3% 96 2013 47 3.9% 400 2014 30 2 3 2013 55 5.5830 3.86 3.532014 2013 4,700 2013HFC UK Bank 1.38 1.94 2013 4.12 1,8007,400 2013 1.89 5%
55 13 2014 2013 2013 6 30 6 30 12 31..... 2,914 2,785 2,928............. 3,196 3,187 3,145 56.......... 1,721 1,852 1,733........... 908 760 888............... 567 575 524................. 5,712 6,034 5,803................... 1,604 1,610 1,584................. 2,168 2,244 2,206 57.......... 1,940 2,180 2,013 58.................... (99) 490 696 13............ 11,723 12,496 12,572 96 1% 3% 18% 2013 2014 3% 1.11 5% 10 2013 6% 48
2% 2014 2013 2014 1 2013 50,000 2014 2013 10% 2014 6 430 200 Paym Mobile Check Deposit 2013 122014 5 12% 49
60 300 2014 2013 2013 6 30 6 30 12 31... 5,184 5,050 5,150... 2,413 2,337 2,380... 519 476 972 13... 8,116 7,863 8,502 53... (562) (1,160) (1,224)... 7,554 6,703 7,278... (3,588) (3,337) (3,712)... 3,966 3,366 3,566 54... 805 767 742... 4,771 4,133 4,308 47... 2.3% 2.2% 2.2% 2013 6 7% 2013 6 8% 2014 48 15 16% 5% 6% 2013 2013 2014 13 2014 2013 2013 6 30 6 30 12 31....... 1,429 1,459 1,470............... 3,108 3,008 3,095............. 2,738 2,579 2,708..................... 841 817 1,229 13............ 8,116 7,863 8,502 2% 2014 96 2013 50
5.8 2013 10% 2013 1.6 4% 14 2014 20% 2014 140 20 2014 70% 51
32 19 70 2014 90% 2013 19% 80,000 2014 2013 2013 6 30 6 30 12 31............... 3,602 3,334 3,432............. 1,939 1,818 1,664 59............ 2,790 5,606 1,174......... 1,460 (96) 2,244 13............ 9,791 10,662 8,514 53.......... (49) (174) (33)............. 9,742 10,488 8,481............. (4,958) (5,007) (4,953)................. 4,784 5,481 3,528 54........ 249 242 190............... 5,033 5,723 3,718 47.. 2.0% 2.8% 1.7% 2014 2014 96 2013 52
13, 60, 61 50 201312% 11% 9%2014 1.55 4.51 3% 1.5315 38 7% 2013 11% 2014 2013 2013 6 30 6 30 12 31 62................ 3,845 4,070 2,865................... 593 488 308................... 1,127 1,106 547................... 1,434 1,833 1,353................... 691 643 657................. 2,075 2,042 1,952................. 904 862 908................. 846 847 815....... 389 371 370............. 1,502 1,680 1,430................. 342 205 307............. (155) 451 (346) 63.................... 43 134 213 13............ 9,791 10,662 8,514 96 1.53 1.41 1.232% 2013 2.98 8,100 53
2014 50 2014 4 2014 3 54
2014 2013 2013 6 30 6 30 12 31............... 536 575 571............. 533 602 548......... 161 (26) 169 13............ 1,230 1,151 1,288 53.................. (6) (14) (17)............. 1,224 1,137 1,271............. (868) (1,035) (1,194)................. 356 102 77 54........ 8 6 8............... 364 108 85 47.. 3.3% 1.0% 0.8% 2013 96 2013 3.64 2.56 2.45 2013 2.79 1.19 5% 17% Rubik 64 2014 2013 2013 6 30 6 30 12 31..................... 382 398 386............. (3) (10) (16)............... 5 (3) (3)................. 6 12............... (1) (2)..................... 384 386 382 2013 12 31 HSBC Trinkaus & Burkhardt AG 55
30 50 2014 65 59 2014 8 20134 60 2013 2014 60 2014 LGT Bank (Switzerland) Ltd 2013 12 31 125 15%2014 6 30 2014 2015 56
50 2014 2013 2013 6 30 6 30 12 31................ (221) (376) (361).............. 1 61 3 59.... (120) (169) 175........ 438 (1,419) 191.............. (719) 957 (1,533).............. (281) (462) (1,342).................. 3,279 5,096 3,026.............. 2,658 4,150 1,501.............. (3,533) (3,312) (4,484).......... (875) 838 (2,983) 54......... 2 2 (16)........ (873) 840 (2,999) 96 2013 8.73 8.48.08 2013 11 6.25 2.442013 5.53 4.42 2014 4.28 5,600 6.82 2013 2014 2013 1.86 2013 7.72 2013 12 2014 4.28 10 2013 11 2.48 2012 2014 2014 4,500 900 57
2014 6 30 50 65............... 8,427 5,184 3,602 536 (221) (123) 17,405..................... 3,291 2,413 1,939 533 1 8,177............... (14) 340 2,001 161 (126) 2,362..... 1 (4) 789 (2) 6 123 913 59........... (13) 336 2,790 159 (120) 123 3,275......... 1,073 124 743 1 (281) 1,660........... 8 24 462 12 440 946......................... 15 14 32 3 24 88................... 5,480 636 2 19 6,137............. 378 81 222 (7) 2,814 (2,950) 538..................... 18,659 8,812 9,792 1,256 2,657 (2,950) 38,226 66.................... (6,336) (696) (1) (26) (7,059) 13.................... 12,323 8,116 9,791 1,230 2,657 (2,950) 31,167....................... (1,225) (562) (49) (6) 1 (1,841)..................... 11,098 7,554 9,742 1,224 2,658 (2,950) 29,326 67........................ (2,500) (1,191) (1,806) (363) (4,118) (9,978)............. (5,769) (2,397) (3,152) (505) 585 2,950 (8,288)..................... (8,269) (3,588) (4,958) (868) (3,533) 2,950 (18,266)................. 2,829 3,966 4,784 356 (875) 11,060........... 216 805 249 8 2 1,280............... 3,045 4,771 5,033 364 (873) 12,340 % % % % % %............... 24.7 38.7 40.8 2.9 (7.1) 100.0..................... 67.1 44.2 50.6 70.6 133.0 58.6 51 3.................. 380,108 316,246 303,133 45,131 2,623 1,047,241......................... 523,729 377,374 2,043,767 99,379 170,802 (461,458) 2,753,593 3........................ 597,714 366,171 360,732 89,641 1,447 1,415,705 58
2013 6 30 50 65............... 9,310 5,050 3,334 575 (376) (74) 17,819..................... 3,586 2,337 1,818 602 61 8,404............... 275 343 4,577 226 (191) 5,230............. 3 1,029 4 22 74 1,132 59........... 275 346 5,606 230 (169) 74 6,362......... 122 104 (961) (462) (1,197)........... 48 (6) 597 4 1,213 1,856......................... 11 8 65 6 17 107................... 5,469 748 3 6 6,226............. (92) (19) 201 (267) 3,866 (2,743) 946..................... 18,729 8,568 10,663 1,156 4,150 (2,743) 40,523 66.................... (5,440) (705) (1) (5) (6,151) 13.................... 13,289 7,863 10,662 1,151 4,150 (2,743) 34,372....................... (1,768) (1,160) (174) (14) (3,116)..................... 11,521 6,703 10,488 1,137 4,150 (2,743) 31,256 67........................ (2,651) (1,163) (1,882) (381) (3,419) (9,496)............. (5,800) (2,174) (3,125) (654) 107 2,743 (8,903)..................... (8,451) (3,337) (5,007) (1,035) (3,312) 2,743 (18,399)......................... 3,070 3,366 5,481 102 838 12,857........... 197 767 242 6 2 1,214....................... 3,267 4,133 5,723 108 840 14,071 % % % % % %............... 23.2 29.4 40.7 0.8 5.9 100.0..................... 63.6 42.4 47.0 89.9 79.8 53.5 51 3.................. 358,464 286,539 251,768 39,161 2,362 938,294......................... 504,205 350,503 1,992,770 114,883 176,122 (493,167) 2,645,316 3........................ 547,140 327,612 298,501 92,298 1,354 1,266,905 59
2013 12 31 50 65............... 9,029 5,150 3,432 571 (361) (101) 17,720..................... 3,435 2,380 1,664 548 3 8,030....................... 414 306 376 164 153 1,413..... (3) (3) 798 22 101 915 59.................... 411 303 1,174 164 175 101 2,328......... 1,516 228 1,560 4 (1,342) (1) 1,965........... 7 7 150 (7) (1) 156......................... 10 7 64 2 132 215................... 5,074 627 3 10 5,714..................... 636 640 469 28 2,895 (2,982) 1,686..................... 20,118 9,342 8,516 1,320 1,501 (2,983) 37,814 66.................... (6,667) (840) (2) (32) (7,541) 13.................... 13,451 8,502 8,514 1,288 1,501 (2,983) 30,273....................... (1,459) (1,224) (33) (17) (2,733)..................... 11,992 7,278 8,481 1,271 1,501 (2,983) 27,540 67........................ (2,568) (1,164) (1,667) (395) (3,906) (9,700)..................... (6,229) (2,548) (3,286) (799) (578) 2,983 (10,457)..................... (8,797) (3,712) (4,953) (1,194) (4,484) 2,983 (20,157)................. 3,195 3,566 3,528 77 (2,983) 7,383... 187 742 190 8 (16) 1,111............... 3,382 4,308 3,718 85 (2,999) 8,494 % % % % % %............... 39.8 50.7 43.8 1.0 (35.3) 100.0..................... 65.4 43.7 58.2 92.7 298.7 66.6 51 3.................. 375,086 297,852 272,473 44,224 2,454 992,089......................... 517,085 360,623 1,975,509 97,655 171,812 (451,366) 2,671,318 3........................ 579,994 354,298 328,800 96,770 1,435 1,361,297 96 60
....................................... 61......................... 61................................... 62............................... 62....... 62........... 62....................... 62....................................... 63................................... 63............................................................ 63 64............................... 64............................... 65......... 67....................................... 70................................... 70............................................................ 70 71............................... 71............................... 72............................... 72................. 74................................. 77................................... 77............................................................ 77 77............................... 78............................... 79......... 80..................................... 83................................... 83............................................................ 83 84............................... 84............................... 85......... 86................................... 89................................... 89............................................................ 89 90............................... 90............................... 91......... 92 14.392013 12.36 2013 13.92 2014 6 30 2013 6 30 2013 12 31 % % %.......................................... 2,258 18.3 2,768 19.7 (943) (11.1) 11......................................... 7,894 64.0 9,262 65.8 6,591 77.6.................................... 989 8.0 909 6.5 785 9.2........................................ 825 6.7 666 4.7 555 6.5...................................... 374 3.0 466 3.3 1,506 17.8 96 2014 1 1 12,340 100.0 14,071 100.0 8,494 100.0 61
0 51 2014 6 30 2013 6 30 2013 12 31 % % %.......................................... 1,430,863 52.0 1,365,534 51.6 1,392,959 52.1 11......................................... 874,334 31.8 799,842 30.2 831,791 31.1.................................... 61,289 2.2 63,292 2.4 60,810 2.3........................................ 437,706 15.9 473,218 17.9 432,035 16.2...................................... 125,630 4.6 123,032 4.7 113,999 4.3.................................. (176,229) (6.5) (179,602) (6.8) (160,276) (6.0) 2,753,593 100.0 2,645,316 100.0 2,671,318 100.0 68 2014 6 30 2013 6 30 2013 12 31 % % %.......................................... 1,248.6 1,104.8 1,092.7.......................................... 393.6 31.0 305.4 27.4 300.1 27.1 11......................................... 481.1 37.9 413.1 37.0 430.7 38.9.................................... 62.7 4.9 64.2 5.8 62.5 5.7........................................ 236.9 18.6 236.4 21.1 223.8 20.2...................................... 96.8 7.6 96.7 8.7 89.5 8.1 24 2014 2013 2013 6 30 6 30 12 31.................................................... (159) 3 (1,018) 11................................................... (5) 1 (3).............................................. (6) (1) (3).................................................. (45) (22) (203) (215) (19) (1,227) 52 2014 2013 2013 6 30 6 30 12 31.................................................... (23) 40 11................................................... (32) 1,128 (143).............................................. 11 16 17.................................................. (120) 17................................................ 16 60 1,136 96 (5) 1,061 1,067 62
< 2014 6 30 2013 6 30 2013 12 31........ 5,244 5,250 5,443...... 3,188 2,969 3,063...... 982 4,339 84.. 1,459 (1,084) 903 13.... 10,873 11,474 9,493 53.. (266) (846) (684)...... 10,607 10,628 8,809...... (8,352) (7,862) (9,751).. 2,255 2,766 (942) 54......... 3 2 (1) 2,258 2,768 (943)...... 76.8% 68.5% 102.7% 47..... 1.2% 1.8% (0.6%)...... 69,642 69,599 68,334 Dealogic 2014 2014 Moneyfacts 70% 96 2014 0.8% 5 6.5% 6 512 10.5% 6 2014 2%0.5 3,750 2013 0.2% 6 0.5% 60.1 2014 23 28 30 6 3.67 7,700 2013 3.06 2013 4.42 2.79 2013 63
2014 6 30................................. 565 1,324 887 112 (1,192) 1,696 46............................... (39) 123 237 (2) (115) 204................................. 14 38 86 17 (7) 148............................... 17 22 15 54................................. 2 1 14 (2) 15............................... (83) 22 35 (2) (28)................................. 6 20 164 35 (56) 169 480 1,551 1,425 176 (1,374) 2,258 2013 6 30................................. 804 894 1,047 132 (657) 2,220 46............................... 130 135 302 (78) 489................................. 15 31 45 21 (6) 106............................... 22 29 19 70................................. 1 1 (42) (40)............................... (18) 31 72 (1) 84................................. 3 (35) 82 (225) 14 (161) 956 1,086 1,568 (114) (728) 2,768 2013 12 31................................. 667 790 199 120 (2,836) (1,060) 46............................... 155 120 49 21 (84) 261................................. 15 39 138 23 (19) 196............................... 12 22 16 50................................. 1 1 (249) (247)............................... (56) 5 36 (1) 2 (14)................................. 4 25 (206) 35 13 (129) 96 797 1,002 233 (51) (2,924) (943) 2013 23% 80% 5899 Fast Lane to Growth 2014 5.6 65111 1.3 1830 59.7% 46.3% Cash ISA Paym 100 1 Bpifrance UBIFRANCE 1520 64
2014912 33 Big Step 2014 5.9 Trade Radar 2013 3 3610 1.44 2013 9,800 7,700 3.06 2013 4.42 2013 2013 65
10 2013 102014 2013 2014 2013 5.84 2013 HFC Bank 70% 3 2013 (2.98 1.19 4.3 2014 1.78243 5,000 20144,5002013 900 2.6 66
. 2014 6 30 65................ 2,567 1,806 1,020 334 (352) (131) 5,244...................... 1,225 978 653 326 6 3,188................ (134) 20 683 72 (123) 518...... 7 1 328 (2) 130 464 59............ (127) 21 1,011 70 (123) 130 982.................... 545 545...... 403 47 740 1 (720) 471.................. 403 47 740 1 (175) 1,016............ 8 5 304 11 8 336.......................... 4 7 15 1 1 28.................... 1,429 125 19 1 1,574.............. (51) (7) 165 (15) 500 (70) 522............. 5,458 2,982 3,908 747 (134) (71) 12,890 66.................... (1,840) (151) (26) (2,017) 13............ 3,618 2,831 3,908 721 (134) (71) 10,873........................ (131) (128) (4) (4) 1 (266)............. 3,487 2,703 3,904 717 (133) (71) 10,607.......................... (3,010) (1,153) (2,479) (541) (1,240) 71 (8,352).................. 477 1,550 1,425 176 (1,373) 2,255.... 3 1 (1) 3................ 480 1,551 1,425 176 (1,374) 2,258 % % % % % %................ 3.9 12.6 11.5 1.4 (11.1) 18.3...................... 83.2 40.7 63.4 75.0 (925.4) 76.8 51 3................... 180,967 108,218 162,661 26,768 1,056 479,670.......................... 241,878 123,632 1,080,070 76,006 75,403 (166,126) 1,430,863 3......................... 217,080 140,043 212,557 44,176 920 614,776 67
2013 6 30 65................ 2,751 1,638 799 357 (310) 15 5,250............. 1,246 844 489 397 (7) 2,969........................ 102 26 2,958 108 538 3,732.............. 3 7 594 4 14 (15) 607 59.................... 105 33 3,552 112 552 (15) 4,339...................... (1,347) (1,347)...... 296 103 (965) 964 398.................. 296 103 (965) (383) (949)............ 43 (7) 332 3 2 373.......................... 2 1 32 4 1 40.................... 1,519 222 6 (1) 1,746.............. (149) (21) (11) (274) 343 62 (50)...................... 5,813 2,813 4,228 605 197 62 13,718 66.................... (1,958) (281) (5) (2,244) 13.................... 3,855 2,532 4,228 600 197 62 11,474................ (169) (498) (166) (13) (846)...................... 3,686 2,034 4,062 587 197 62 10,628.......................... (2,731) (950) (2,493) (700) (926) (62) (7,862).................. 955 1,084 1,569 (113) (729) 2,766.... 1 2 (1) (1) 1 2................ 956 1,086 1,568 (114) (728) 2,768 % % % % % %................ 6.8 7.7 11.1 (0.8) (5.2) 19.7...................... 70.8 37.5 59.0 116.7 470.1 68.5 51 3................... 157,613 97,814 129,954 23,095 795 409,271.......................... 220,259 115,819 1,091,624 74,917 70,010 (207,095) 1,365,534 3......................... 187,725 121,334 165,147 45,888 890 520,984 68
2013 12 31 65................ 2,849 1,715 975 365 (384) (77) 5,443...................... 1,299 945 468 347 4 3,063................ 104 4 (777) 84 160 (425)...... (1) (2) 419 16 77 509 59............ 103 2 (358) 84 176 77 84...................... 411 411...... 763 168 1,556 4 (1,534) (1) 956.................. 763 168 1,556 4 (1,123) (1) 1,367............ 9 7 12 (20) (2) 6.......................... 2 1 33 (1) 35.................... 1,263 139 (1) 10 1 1,412...................... 46 30 121 21 423 (62) 579............. 6,334 3,007 2,806 811 (906) (63) 11,989 66.................... (2,178) (286) (32) (2,496) 13............ 4,156 2,721 2,806 779 (906) (63) 9,493................ (160) (437) (76) (11) (684)............. 3,996 2,284 2,730 768 (906) (63) 8,809.......................... (3,203) (1,281) (2,494) (819) (2,017) 63 (9,751).................. 793 1,003 236 (51) (2,923) (942).... 4 (1) (3) (1) (1)................ 797 1,002 233 (51) (2,924) (943) % % % % % %................ 9.4 11.8 2.7 (0.6) (34.4) (11.1)...................... 77.1 47.1 88.9 105.1 (222.6) 102.7 51 3................... 177,357 105,498 145,136 27,289 830 456,110.......................... 238,499 124,242 1,054,506 75,718 72,174 (172,180) 1,392,959 3......................... 205,288 134,120 191,715 49,789 1,021 581,933 96 69