HSBC 2015 Annual Report Download - page 497

HSBC HOLDINGS PLC
495
Strategic Report Financial Review Corporate Governance Financial Statements Shareholder Information
risk-weighted assets 3
staff numbers 60, 86
total assets 76
wholesale lending 136
Model risk 115
Monitor 116
Mortgages
lending 144
mortgage-backed securities 203
US mortgage-related investigations 448
N
Network
delivery 14
value 16
Nomination Committee 270
Non-controlling interests 436
Non-GAAP measures 48
Non-interest income 358
Non-trading portfolios 169, 214
North America
adjusted performance 3
adjusted/reported reconciliation 77
balance sheet data 90, 376
collateral 139
country/business highlights 33
customer accounts 63
financial overview 33
goodwill 407
impaired loans 128
lending 123, 124, 127, 137, 139, 147, 391
loan impairment charges/allowances 33, 132, 134
mortgage loans 147
operating expenses 89
personal lending 143
principal operations 89
profit 33, 76, 89, 90
profit/(loss) by country 89
renegotiated loans 130
reverse repos 143
risk-weighted assets 3
staff numbers 60, 89
total assets 76
wholesale lending 136
O
Offsetting 434
accounting policy 434
Oil and gas prices 117
Operating expenses 58
by geographical region 77, 82, 86, 89, 92
by global business 28, 29, 30, 31
reported/adjusted 22, 25
reconciliation 49, 66, 77
Operating income 56, 358, 376
Operating profit 361
Operational risk 176, 217
description 106
in 2015 177
losses/incidents 177
management framework 176
Ordinary shares 281
Organisational structure chart 474
Other 73
Outlook 9, 11
P
Payment protection insurance 421
Pension plans
accounting policy 364
defined benefit plans 174, 216, 366
for directors 312
risk 107, 189, 225
People
empowering 38
risk 43, 114
Performance 285
adjusted 23, 48
reported 22
Perpetual subordinated capital securities 372
Personal lending 143
Philanthropic & Community Investment Oversight Committee 274
Pillar I, II and III 240, 246
Post-employment benefit plans 364, 456
accounting policy 364
Precious metals fix-related litigation and investigations 453
Preference shares 437
Preferred securities 61
Prepayments, accrued income and other assets 416
Products and services 28, 29. 30, 31, 373
Profit before tax
adjusted 3, 23, 285
by country 79, 83, 86, 89, 93
by geographical region 3, 76, 82, 86, 89, 92
by global business 2, 28, 29, 30, 31, 65, 74, 80, 84, 87, 90, 94
consolidated 50, 337
five years 50
reported 3, 22
reported/adjusted reconciliation 49, 66, 77
Profit for the year 50
Property 98
Provisions 421
accounting policy 421
critical accounting estimates and judgements 421
PVIF 57, 411
R
Ratios
advances to core funding 156, 205
capital 26, 228
capital strength 26
common equity tier 1 26, 42, 228
core tier 1 (CET 1) 26
cost efficiency 60, 79, 82, 86, 89, 92
dividend payout 50
dividends per share 50, 371
earnings per share 50, 372
leverage 239, 246
liquidity coverage 155
net asset value per ordinary share 61
return on average ordinary shareholders’ equity 27, 50, 285
return on average total assets 50
return on risk-weighted assets 64, 79, 82, 86, 89, 92
stressed coverage 157, 205
Reconciliation of reported and adjusted items 49, 66, 77
Reconciliation of RoRWA 64
Recovery and resolution 242
Registered office 497
Registrars 497
Regulatory
balance sheet 236
capital 233, 234, 244
capital buffers 239
developments 239
landscape 7
reconciliation to financial accounting 236
review of consumer enhancement services products 454
source and application 233
stress tests 116, 241
Related party transactions 455
Remuneration
adjustment, malus and clawback 301
benefits 305
bonus scorecards 315
business context 286
committee 270
committee members 270
Directors 44, 289, 299, 317
fixed pay 44, 289, 295, 305, 310
GPSP 310
in 2015 286
in 2016/17 287, 295
incentive scorecards 316, 317
letter 285
Pillar 3 remuneration 319
policy 45, 288, 315
principles 44
recruitment 296
release profile 294
report 302