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Leading, Investing and Growing in Asia

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Leading, Investing and Growing in Asia Peter Wong, Chief Executive Officer, HSBC Asia-Pacific 2010 Credit Suisse Investor Conference Leading, investing and growing in Asia www.hsbc.com Forward-looking statements This presentation and subsequent discussion may contain certain forward-looking statements with respect to the financial condition, results of operations and business of the Group. These forward-looking statements represent the Group’s expectations or beliefs concerning future events and involve known and unknown risks and uncertainty that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Additional detailed information concerning important factors that could cause actual results to differ materially is available in our Annual Report. Past performance cannot be relied on as a guide to future performance. 2 Agenda HSBC Group overview and performance 4 Asia overview and performance 10 Opportunity 14 Strategy 20 Key markets Hong Kong 23 Mainland China 27 India 32 Outlook 37 3 HSBC Group overview and performance Leading emerging markets international bank Linking developing and developed markets Global footprint2 8,000 offices in 88 countries and territories Listings in London, Hong Kong, New York, Paris and Bermuda 220,000 shareholders in 121 countries and territories Around 100 million customers Asia, Middle East and Latin America North America and Europe Around 300,000 employees Personal Financial Services, Commercial Banking, Global Total Profit before Tier 1 capital Total capital Total assets revenues1 tax (PBT) ratio ratio Banking and Markets, and Private 2009 US$2.36trn US$66.2bn US$7.1bn 10.8% 13.7% Banking 2008 US$2.53trn US$81.7bn US$9.3bn 8.3% 11.4% Note: (1) Net operating income before loan impairment charges (2) As at 31 Dec 2009 5 Financial results 2009 Delivering results through the cycle 2008 2009 Underlying profit before tax, excluding goodwill US$8.5bn US$13.3bn, +56% impairment, strongly up1 Reported profit before tax US$9.3bn US$7.1bn, -24% Generated capital in each 8.3% 10.8% quarter: Tier 1 ratio (%)2 Dividends3 US$7.7bn US$5.9bn Notes: (1) Underlying results eliminate the effects of foreign currency translation differences, acquisitions and disposals of businesses and changes in fair value (FV) of own debt due to credit spread. (2) As at 31 December 2009 6 (3) Declared in respect of 2008 and 2009 Capital strength Enhanced through capital generation and rights issue Movement in Tier 1 capital, US$bn Tier 1 ratio (%) Rights Profit2 Dividend FX and issue1 net of scrip other 10.2 2.4 122.2 18.3 10.8 10.3 95.3 9.9 10.1 (4.0) 9.8 1.4 1.3 1.3 1.3 1.3 8.3 1.3 31-Dec-08 31-Dec-09 9.4 Risk-weighted assets, US$bn 8.5 8.6 8.8 9.0 7.0 1,148 1,133 31-Dec-08 31-Dec-08 31-Mar-09 30-Jun-09 30-Sep-09 31-Dec-09 Pro forma³ Pro forma³ 31-Dec-08 31-Dec-09 Core Tier 1 Non-core Tier 1 Notes: (1) Rights issue excludes US$493m of losses arising on derivative contracts and certain fees, which are recognised in the income statement (2) Attributable profit adjusted for changes in FV of own debt due to credit spread, net of deferred tax 7 (3) Pro forma to include rights issue Funding and liquidity Prudent position maintained with advances-to-deposits ratio at 77.3 per cent US$bn, 31 December 20081 US$bn, 31 December 2009 % Better/(worse) Customer loans Customer loans 423 219 307 41 990 399 200 257 40 896 -9% and advances and advances Customer Customer 464 250 345 121 1,180 499 267 285 108 1,159 -2% accounts accounts Personal Financial Services Commercial Banking Personal Financial Services Commercial Banking Global Banking and Markets Private Banking and other Global Banking and Markets Private Banking and other Advances-to- 83.9% 77.3% deposits ratio Note: (1) Underlying basis 8 Geographical contribution Emerging markets leading performance, 2009 North America1 (US$bn) Europe1 (US$bn) • PBT: (4.1) • PBT: 6.6 • Loans and advances to • Loans and advances to customers: 206.9 customers: 439.5 • Customer • Customer accounts: 149.2 accounts: 495.0 Latin America1 (US$bn) Middle East1 (US$bn) Asia1 (US$bn) • PBT: 1.1 • PBT: 0.5 • PBT: 9.2 • Loans and advances • Loans and advances • Loans and advances to customers: 47.6 to customers: 22.8 to customers: 179.4 • Customer • Customer • Customer accounts: 72.9 accounts: 32.5 accounts: 409.4 Note: (1) Underlying basis 9 Asia overview and performance Presence Largest foreign bank1 in mainland China, Hong Kong, India, Indonesia and Malaysia Footprint in Asia History in Asia spans 145 years Japan, 1866 Presence in 22 countries and South Korea, 1897 2 territories Mainland China, 1865 Access to over half of the world’s Taiwan, 1884 Macau, 1972 population with combined GDP Bangladesh, 1996 Hong Kong, 1865 of US$25.3 trillion, more than the Philippines, 1875 India, 1867 Thailand, 1870 combined GDP of the US, UK, Vietnam, 1870 Sri Lanka, 1892 Germany and France3 Nigeria, 2009 Malaysia, 1884 Brunei, 1947 Maldives, 2002 Nearly 1,000 branches and Singapore, 1877 Mauritius, 1894 offices in the region Indonesia, 1884 Australia, 1964 South Africa, 1995 Over 3.9 million internet banking customers in Asia, nearly half New Zealand, 1987 located in Hong Kong4 Scope of HSBC Asia-Pacific business Notes: (1) In respect of branch network of all HSBC Group entities (2) Includes a representative office in Nigeria (3) IMF World Economic Outlook Database: Population and GDP (purchasing power parity) (4) As at 31 December 2009, excluding Hang Seng Bank 11 Performance Asia-Pacific driving Group profits with PBT of US$9.2 billion in 2009 Regional mix, 2009 Insurance PBT, US$bn Profit/(loss) before tax, US$m Asia contributed close to half of Group Insurance profit 1.5 Reported Underlying US$m % share US$m % share Hong Kong 5,029 71 5,030 38 1.0 Rest of Asia-Pacific 4,200 59 4,157 31 Middle East 455 6 455 3 0.5 Latin America 1,124 16 1,124 8 Europe 4,009 57 6,570 50 0.0 North America (7,738) (109) (4,050) (30) Asia Europe Latin America North America Total 7,079 100 13,286 100 2008¹ 2009 Asia-Pacific business mix, 2009 Strong funding position in Asia-Pacific PBT, US$bn, (% of total) A fifth of Group’s customer loans and advances 20082 20092 % change Personal Financial Services (3,191, 35%) Customer loans and advances 186.1 179.4 -4 Commercial Banking (2,020, 22%) Customer accounts 380.3 409.4 +8 Global Banking and Markets (3,826, 41%) Private Banking (287, 3%) Advances-to-deposits ratio 48.9% 43.8% Other (-95, -1%) Notes: (1) 2008 adjusted for constant currency (2) Underlying basis 12 Investments A decade of expansion in Asia Mainland China South Korea 19.01% in Bank of Communications 50% less one share in Hana Life Japan 16.78% in Ping An Insurance Taiwan 12.78% in Industrial Bank via Hang Seng South Korea Integrated assets and operations of The Bank Chinese Bank Mainland China 20% in Yantai City Commercial Bank via 100% in Chailease Credit Services Hang Seng Bank Taiwan Philippines 8% in Bank of Shanghai Bangladesh Macau 100% in PCI Savings Bank Hong Kong 24.9% in Beijing HSBC Insurance Brokers Singapore Philippines 49% in HSBC Jintrust Fund Management India Thailand 100% in Keppel Insurance 100% in Asia Fund Services 50% in HSBC Life Insurance Company Ltd. Vietnam India Sri Lanka Australia Nigeria Brunei 93.86% in HSBC InvestDirect Malaysia 100% in Westpac sub-custody business Maldives (IL&FS Investsmart) Singapore Vietnam Mauritius 26% in Canara HSBC Oriental Bank of Indonesia 19.91% in Techcombank South Africa Commerce Life Insurance Company 18% in Bao Viet Australia Limited Indonesia 98.96% in Bank Ekonomi New Zealand Scope of HSBC Asia-Pacific business Malaysia 49% in HSBC Amanah Takaful Malaysia First foreign bank to locally incorporate Islamic bank Purchased ABN AMRO’s retail mortgage portfolio in 2002 Outlets1 Staff1 Assets2 Profit before tax2 1999 2009 1999 2009 1999 2009 1999 2009 592 910 45,307 114,755 220,711 621,382 3,383 9,229 Notes: (1) Outlets and staff in 1999 include Middle East; outlets in 2009 belong to The Hongkong and Shanghai Banking Corporation Limited and exclude the Middle East; staff in 2009 excludes Middle East (2) In US$m; 1999 assets and PBT include Middle East and are reported in accordance with UK GAAP while 2009 assets and PBT exclude Middle East 13 Opportunity World economic trends shaping the future Asia at the centre of global economic power 1 Asia to contribute largest World GDP forecast, based on PPP, % of total 100% share of global GDP, 75% surpassing EU and USA 50% 25% by 2015 0% 1980 1985 1990 1995 2000 2005 2010 2015 2020 Asia ex Japan US EU Middle East Latin America Othe rs Asian consumers to become biggest Incremental spending, US$bn2 incremental spenders, 400 200 overtaking US and 0 European customers by -200 2013 2009f 2010f 2011f 2012f 2013f 2014f US EU Mainland China Asia ex Japan Share of China's exports (%)2 Mainland China export 24 10 22 9 20 growth driven by intra- 8 18 regional activity 16 7 14 6 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 ASEAN (RHS) North America (LHS) EU (LHS) Notes: (1) International Monetary Fund (2) HSBC Global Research 15 Domestic and regional forces shaping Asia Asian consumer demand to support future growth Industrial output, 2000-20091 180 115 170 160 110 Industrial output in Asia 150 105 already passed its 140 130 100 previous peak while USA 120 110 95 and G3 still lagging 100 90 90 Jan-00 Jan-01 Jan-02 Jan-03 Jan-04 Jan-05 Jan-06 Jan-07 Jan-08 Jan-09 EM As ia G3 USA Asia recovery1 Asia has entered into a Helping lift personal Stronger domestic virtuous self-sustaining incomes and profits demand
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