Hsbc Holdings Plc · LSE:HSBA
Hsbc — HSBC Finance — Q3 2012 Earnings Presentation
7 slides from Hsbc's earnings presentation, Nov 5, 2012
Slide 1: HSBC Finance Corporation IFRS Management Basis
HSBC Finance Corporation IFRS Management Basis 5 November 2012 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: 3Q 2012 Financial Results
HSBC Finance Corporation 3Q 2012 Financial Results 3Q 2011 2Q 2012 3Q 2012 US$m Card and Consumer Card and Consumer Card and Consumer Total Total Total Retail Svcs and Other(1)(2) Retail Svcs(3) and Other(1)(2) Retail Svcs(3) and Other(1)(2) Net operating income before loan impairment charges exclud
Slide 4: 3Q 2012 YTD Financial Results
HSBC Finance Corporation 3Q 2012 YTD Financial Results 3Q 2011 YTD 3Q 2012 YTD US$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 4,104 1,353 5,457 4,796 1,619 6,415 in
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$bn 61.3 58.4 55.7 53.5 51.5 49.5 47.5 8.1 7.5 45.7 6.0 6.8 6.3 5.8 44.2 5.6 5.3 5.0 5.4 5.0 4.8 4.5 4.6 4.3 4.2 4.0 3.8 47.2 45.3 43.6 42.2 40.9 39.6 38.3 37.1 36.1
Slide 6: Consumer and Mortgage Lending run-off portfolio
HSBC Finance Corporation (1) Consumer and Mortgage Lending run-off portfolio (2)(3) Amount Written-Off, US$bn Impairment Allowance, US$bn 2 30% 8 20% 1.6 6.2 1.5 5.8 5.9 5.8 5.6 5.6 5.4 5.6 15% 1.2 20% 4.6 1.0 1.0 1.0 1.0 1 4 11.9 % 12 .0 % 12 .1% 12 .3 % 10% 11.6 % 0.7 9 .5 % 9 .6 % 10 .1% 10 .1% 0
Slide 7: Impairment allowance
HSBC Finance Corporation (1) Impairment allowance Consumer & Mortgage Lending Run-off Portfolio (2)(3) US$m 1,829 6,115 951 5,847 113 855 1,285 100 724 1,230 880 91 113 498 16 98 109 128 1,019 974 717 646 4,649 993 706 1,459 1,152 1,016 3Q LIC 4Q LIC 4Q LIC 1Q LIC 1Q LIC 2Q LIC 2Q LIC C 12 4Q 11 4Q