Hsbc Holdings Plc · LSE:HSBA
Hsbc — HSBC Finance — FY2012 Earnings Presentation
7 slides from Hsbc's earnings presentation, Mar 4, 2013
Slide 1: HSBC Finance Corporation IFRS Management Basis
HSBC Finance Corporation IFRS Management Basis 4 March 2013 1
Slide 2: Disclosure Statement
Disclosure Statement This presentation, including the accompanying slides and subsequent discussion, may contain certain forward-looking information with respect to the financial condition, results of operations and business of HSBC Finance Corporation. Any forward-looking information represents exp
Slide 3: HSBC Finance Corporation 2012 Financial Results (half-year)
HSBC Finance Corporation 2012 Financial Results 2H 2011 1H 2012 2H 2012 US$m Card and Consumer Card and Consumer Card and Consumer Total Total Total Retail Svcs and Other(1)(2) Retail Svcs(3) and Other(1)(2) Retail Svcs(3) and Other(1)(2) Net operating income before loan impairment charges excluding
Slide 4: HSBC Finance Corporation 2012 Financial Results (full year)
HSBC Finance Corporation 2012 Financial Results 2011 YTD 2012 YTD US$m Card and Consumer Card and Consumer Total Total Retail Svcs and Other(1)(2) Retail Svcs(3) and Other(1)(2) Net operating income before loan impairment charges excluding changes 5,462 1,749 7,211 4,796 2,383 7,179 in Fair Value of
Slide 5: Consumer and Mortgage Lending run-off portfolio continues to decline
HSBC Finance Corporation (1) Consumer and Mortgage Lending run-off portfolio continues to decline Customer loans Run-off portfolio, US$bn 58.4 55.7 53.5 51.5 49.5 47.5 45.7 7.5 6.8 44.2 5.6 6.3 5.8 5.4 42.7 5.3 5.0 4.8 5.0 4.6 4.5 4.2 4.3 4.0 4.0 3.8 3.7 45.3 43.6 42.2 40.9 39.6 38.3 37.1 36.1 35.0
Slide 6: Consumer and Mortgage Lending run-off portfolio
HSBC Finance Corporation (1) Consumer and Mortgage Lending run-off portfolio (2)(3) Amount Written-Off, US$bn Impairment Allowance, US$bn 2 30% 8 25% 1.5 6.2 5.9 20% 5.6 5.6 5.8 5.6 5.4 1.2 20% 4.6 4.5 1.0 1.0 1.0 1.0 15% 1 4 0.7 12 .3 % 10% 0.6 0.6 11.9 % 12 .0 % 12 .1% 11.6 % 11.6 % 10% 10 .1% 10
Slide 7: Impairment allowance: Consumer & Mortgage Lending Run-off Portfolio
HSBC Finance Corporation (1) Impairment allowance Consumer & Mortgage Lending Run-off Portfolio (2)(3) US$m 1,829 951 5,947 113 855 5,602 1,285 724 100 880 498 91 98 113 109 128 1,019 974 717 646 495 39 4,481 993 706 1,152 140 1,016 562 Fo LI C 1Q LIC 2Q LIC 3Q LIC 4Q LIC 2Q LIC 1Q LIC He Q IC 12 1Q