Hsbc Holdings Plc · LSE:HSBA
Hsbc — Q3 2004 Earnings Presentation
9 slides from Hsbc's earnings presentation, Nov 15, 2004
Slide 1: HSBC Holdings plc Form 6-K
SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K Report of Foreign Private Issuer Pursuant to Rule 13a - 16 or 15d - 16 of the Securities Exchange Act of 1934 For the month of November, 2004 HSBC Holdings plc 42nd Floor, 8 Canada Square, London E14 5HQ, England (Indicate by check m
Slide 2: Household International, Inc. and HSBC USA, Inc. Supplement to the Forms 10Q
Household International, Inc. and HSBC USA, Inc. Supplement to the Forms 10Q for the quarterly period ended September 30, 2004 November 2004
Slide 3: Forward Looking Statements
Forward Looking Statements This of subject results theHSBC year presentation, to toended differ Holdings unknown December materially including plc, risksHousehold and 31, is the available uncertainties. 2003. accompanying International, Please in thefurther This HSBC slides information Inc. beHoldin
Slide 4: Household: UK GAAP Quarterly results
Household: UK GAAP Quarterly results (1) (USD millions) Q203 Q303 Q403 Q104 Q204 Q304 Net Interest Income 2,790 2,843 2,672 2,746 2,862 2,816 Other operating income 612 581 685 842 705 709 Operating income 3,402 3,424 3,357 3,588 3,567 3,525 Operating expenses 1,213 1,128 1,063 1,174 1,229 1,251 Ope
Slide 5: Household profitability trends, UK GAAP
Household profitability trends, UK GAAP(1) As a % of Average Receivables 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Q2 03 Q3 03 Q4 03 Q1 04 Q2 04 Q3 04 (2) Revenue Costs Bad debt provisions Pretax Profit(2) (1) Includes mortgages transferred to HSBC Bank USA, N.A., and adjustment for intercompany ga
Slide 6: Household credit quality trends
Household credit quality trends*(1) 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 00 00 00 00 01 01 01 01 02 02 02 02 03 03 03 03 (1) 04(1) 04(1) 04 (1) Charge-off Rate Risk-Adjusted Revenue** Delinquency Rate * On US GAAP, managed basis *
Slide 7: Household: Receivables UK GAAP
Household: Receivables UK GAAP* 28 Mar 30 Jun 31 Dec 30 Jun 30 Sep 2003 2003 2003 2004 2004 Gross loans and advances to customers Residential mortgages 39,293 41,635 46,057 52,600 55,257 Motor vehicle finance 7,500 7,945 8,868 9,375 9,903 Mastercard/Visa credit labels 18,827 19,222 21,207 20,171 20,
Slide 8: 2004 Quarterly Reported Net Income - UK GAAP Reconciliation
Household International & HSBC USA 2004 Quarterly Reported Net Income - UK GAAP Reconciliation Q104 Q204 Q304 Household HSBC Total Household HSBC Total Household HSBC Total USA USA USA Net income - US GAAP 481 319 799 395 331 726 322 339 661 GAAP Adjustments 333 31 366 308 -27 281 299 -15 284 Attrib
Slide 9: Signature
SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. HSBC Holdings plc By: /s/ P A Stafford Name: P A Stafford Title: Assistant Group Secretary Date: Novembe