HSBC 2010 Annual Report Download - page 5

3
Overview Operating & Financial Review Governance Financial Statements Shareholder Information
Performance ratios
Credit coverage ratios
Loan impairment charges to
total operating income
16.9%
2009: 31.7%
2008: 27.2%
Loan impairment charges to
average gross customer advances
1.5%
2009: 2.8%
2008: 2.5%
Total impairment allowances to
impaired loans at year-end
71.6%
2009: 83.2%
2008: 94.3%
Return ratios
Return on average
invested capital2
8.7%
2009: 4.1%
2008: 4.0%
Return on average total
shareholders’ equity3
9.5%
2009: 5.1%
2008: 4.7%
Post-tax return on
average total assets
0.6%
2009: 0.3%
2008: 0.3%
Post-tax return on average
risk-weighted assets
1.3%
2009: 0.6%
2008: 0.6%
Efficiency and revenue mix ratios
Cost efficiency ratio4
55.2%
2009: 52.0%
2008: 60.1%
Net interest income to
total operating income
49.3%
2009: 51.8%
2008: 48.1%
Net fee income to
total operating income
21.7%
2009: 22.5%
2008: 22.6%
Net trading income to
total operating income
9.0%
2009: 12.5%
2008: 7.4%
Share information at the year-end
Closing market price
US$0.50 ordinary
shares in issue
17,686m
2009: 17,408m
2008: 12,105m
Market
capitalisation
US$180bn
2009: US$199bn
2008: US$114bn
London
£6.51
2009: £7.09
2008: £5.77
Hong Kong
HK$79.70
2009: HK$89.40
2008: HK$67.81
American
Depositary Share5
US$51.04
2009: US$57.09
2008: US$44.15
Total shareholder return6
Over 1 year Over 3 years Over 5 years
To 31 December 2010 .............................................. 95.3 103.4 103.4
Benchmarks:
– FTSE 1007 ............................................................... 112.6 102.8 126.3
– MSCI World7 .......................................................... 115.9 111.0 127.0
– MSCI Banks7 .......................................................... 103.7 81.9 79.0
For footnotes, see page 83.