HSBC 2009 Annual Report Download - page 499

497
HSBC Holdings plc
balance sheet 360
cash flow 361
credit risk 241
deferred tax 410
dividends 473
employee emoluments 399
financial assets and liabilities 177, 421
liquidity and funding management 249
market risk 258
maturity analysis of assets and liabilities 455
net income from financial instruments 385
related party transactions 471
share plans 405, 347
statement of changes in equity 362
structural foreign exchange exposures 258
subordinated liabilities 453
Impairment
accounting policy 371
allowances and charges 35, 230
assessment 203
available-for-sale assets 178
critical accounting policy 61
impaired loans and advances 230
losses as percentage of loans and advances 232
movement by industry and geographical
region 232, 233, 234
Income statement (consolidated) 23, 353
Information on HSBC (availability thereof) 480
Insurance
accounting policy 382
claims incurred (net) and movements in
liabilities to policyholders 34, 387
liabilities under contracts issued 447
net earned premiums 32, 386
PVIF business 283
risk management 265
Interest income/expense (net) 26
accounting policy 369
analysis of changes in 53
average balance sheet 46
sensitivity 57, 256
Interim management statements 478
Internal control 313
IFRSs and Hong Kong Financial Reporting
Standards comparison 366
Investor relations 479
IT performance 20
Key performance indicators
financial 18
non-financial 20
Latin America
balance sheet data 137, 142
business performance 138, 140
challenges and uncertainties 15
customer accounts by country 136
economic briefing 137, 140
lending 211
loan impairment charges/allowances 231, 234,
237, 238
loans and advances to customers 136, 212
principal operations 85
profit/(loss) 137, 142, 413
underlying/reported profit 138, 140
Lease commitments 465
accounting policy 380
Legal
challenges and uncertainties 17
proceedings 148
litigation 467
Leveraged finance transactions 165, 194
Liabilities
average balance sheet 49
other 447
subordinated 450
trading 445
underlying/reported reconciliation 44
Life insurance business 265
Liquidity and funding 244
challenges and uncertainties 15
management of risk 245
impact of market turmoil 248
insurance 281
policies and procedures 244
primary sources of funding 244
Loans and advances
accounting policy 371
collateral 207
concentration of exposure 209
credit quality of 203
delinquency in the US 224
impairment 230, 238, 241
maturity and interest sensitivity 57
modifications and re-aging 224
past due 229
renegotiated 224
to banks by geographical region 213
to customers by industry sector and
geographical region 45, 181, 211
underlying/reported reconciliation 45
Market risk 250
impact of market turmoil 252
insurance 274
sensitivity analysis 251
Market turmoil 151, 248, 252
Maturity analysis of assets and liabilities 454
Maximum exposure to credit risk 206
Memorandum and Articles of Association 476
Middle East
balance sheet data 118, 122, 417
business performance 119, 121
challenges and uncertainties 14
customer accounts by country 117
economic briefing 118, 121
lending 211
loan impairment charges/allowances 231, 234,
237, 238
loans and advances to customers 117, 212
principal operations 85
profit/(loss) 117, 122, 413
underlying/reported profit 119, 120
wholesale lending 214
Minority interests 457
Money market funds 187