HSBC 2012 Annual Report Download - page 5

3
Overview Operating & Financial Review Corporate Governance Financial Statements Shareholder Information
Performance ratios
Credit coverage ratios
Loan impairment charges to
total operating income
9.9%
2011: 13.8%
2010: 16.9%
Loan impairment charges to
average gross customer advances
0.9%
2011: 1.2%
2010: 1.5%
Total impairment allowances to
impaired loans at year-end
41.7%
2011: 42.3%
2010: 43.0%
Return ratios
Return on average ordinary
shareholders’ equity2
8.4%
2011: 10.9%
2010: 9.5%
Return on average
invested capital3
8.0%
2011: 10.2%
2010: 8.7%
Post-tax return on
average total assets
0.6%
2011: 0.6%
2010: 0.6%
Pre-tax return on average
risk-weighted assets
1.8%
2011: 1.9%
2010: 1.7%
Efficiency and revenue mix ratios
Cost efficiency ratio4
62.8%
2011: 57.5%
2010: 55.2%
Net interest income to
total operating income
45.6%
2011: 48.7%
2010: 49.3%
Net fee income to
total operating income
19.9%
2011: 20.6%
2010: 21.7%
Net trading income to
total operating income
8.6%
2011: 7.8%
2010: 9.0%
Share information at the year-end
Closing market price
US$0.50 ordinary
shares in issue
18,476m
2011: 17,868m
2010: 17,686m
Market
capitalisation
US$194bn
2011: US$136bn
2010: US$180bn
London
£6.47
2011: £4.91
2010: £6.51
Hong Kong
HK$81.3
2011: HK$59.00
2010: HK$79.70
American
Depositary Share5
US$53.07
2011: US$38.10
2010: US$51.04
Total shareholder return6
Over 1 year Over 3 years Over 5 years
To 31 December 2012 .............................................. 139 104 113
Benchmarks:
– FTSE 1007 ............................................................... 110 121 111
– MSCI World8 .......................................................... 117 124 97
– MSCI Banks9 .......................................................... 128 106 68
For footnotes, see page 120.