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2020 Annual Report and Accounts

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2020 Annual Report and Accounts Opening up a world of opportunity Our ambition is to be the preferred international banking partner for our customers. We aim to deliver long-term value for our stakeholders through… …our international …our access to high ….and our balance sheet network… growth markets… strength. HSBC is one of the world’s largest Our network provides exceptional We continue to maintain a strong banking and financial services access to high-growth developing capital, funding and liquidity position organizations, and the leading markets in Asia, the Middle East and with a diversified business model. international bank in Canada. Latin America. Contents Page Overview Highlights 1 HSBC at a glance 2 Message from the President and Chief Executive Officer 4 How we do business 6 Management’s discussion and analysis 13 Total assets Consolidated financial statements Statement of management’s responsibilities for financial $117.3bn information 66 Independent auditor’s report 67 (2019: $106.6bn) Consolidated financial statements 69 Notes on the consolidated financial statements 75 1 Common equity tier 1 ratio Additional information HSBC Group international network 110 13.7% Executive committee 111 Board of Directors 111 (2019: 11.3%) Shareholder information 112 1. Refer to the ‘Use of non-IFRS financial measures’ section of the Management’s Discussion and Analysis (‘MD&A’) for a discussion of non-IFRS financial measures. HSBC Bank Canada Annual Report and Accounts 2020 Overview Highlights Financial performance in 2020 was heavily impacted by the COVID-19 pandemic and market factors. Nevertheless, performance remained resilient with our universal banking model and capital strength delivering long-term value to our customers and our shareholder. Total operating income and assets by global business at 31 December 2020 Total operating income by global business Total assets by global business n Commercial Banking $949m n Commercial Banking $41.2bn n Global Banking and Markets $322m n Global Banking and Markets $29.1bn n Wealth and Personal Banking $777m n Wealth and Personal Banking $46.7bn n Corporate Centre $(24)m n Corporate Centre $0.3bn Financial performance for the year ended 31 December 2020 Total operating income Profit before income tax expense Profit attributable to the common shareholder $2,024m $ 7.4% $404m $ 50% $260m $ 53% (2019: $2,185m) (2019: $816m) (2019: $555m) At 31 December 2020 Total assets Common equity tier 1 ratio1 Return on average common equity1 $117.3bn # 10% 13.7% # 240 bps 4.7% $ 660 bps (At 31 Dec 2019: $106.6bn) (At 31 Dec 2019: 11.3%) (At 31 Dec 2019: 11.3%) 1. Refer to the ‘Use of non-IFRS financial measures’ section of the Management’s Discussion and Analysis (‘MD&A’) for a discussion of non-IFRS financial measures. HSBC Bank Canada Annual Report and Accounts 2020 1 Overview HSBC at a glance HSBC is one of the largest banking and financial services organizations in the world, with operations in 64 countries and territories. About HSBC HSBC in Canada HSBC Holdings plc, the parent company of With more than 135 branches and total banking solutions for internationally minded HSBC Bank Canada, is headquartered in assets of $117bn, HSBC is Canada’s leading individuals and businesses. We aim to be London. With total assets of US$2,984bn at international bank. No international bank the leader in managing financial crime risk. 31 December 2020, the HSBC Group has our Canadian presence and no We have set plans to prioritize sustainable services customers worldwide from offices domestic bank has our international reach. financing and investment that supports the in 64 countries and territories in its No one is better placed to serve Canadian global transition to a net zero carbon geographical regions: Europe, Asia, North companies that are doing business here at economy. America, Latin American, and Middle East home and internationally, or individuals Canada is an important contributor to the and North Africa. with a global outlook. We have unique HSBC Group strategy and a key player in expertise in trade and receivables finance, the Group's work to support customers and renminbi, emerging markets funds and drive growth, leveraging our footprint sustainable finance; and offer a unique take across all key trade corridors. on infrastructure financing; and offer unique Our values Our values help define who we are as an organization, and are key to our long-term success. We value difference We succeed together We take responsibility We get it done Seeking out different Collaborating across boundaries Holding ourselves accountable Moving at pace and making perspectives and taking the long view things happen For more details on our strategy, see page 14. Awards Selected awards and recognitions Below are some examples of the awards received in the year. More details can be found on page 15. Canada’s #1 Trade Finance Bank and Best RMB Bank in Canada for the 3rd Best Credit Card for Paying Down Your Best Bank for Service Quality year in a row Balance Euromoney (2019 - 2020) The Asset Triple A Treasury, Trade, Supply Chain and Rates.ca (2020) Risk Management Awards (2018-2020) Sector Distinction, Employment Equity Best 50 Corporate Citizens in Canada Best Domestic Cash Manager and Best Awards for Service in Canada Government of Canada (2016 - 2019) Corporate Knights (2012 - 2020) Euromoney (2020) 2 HSBC Bank Canada Annual Report and Accounts 2020 Our global businesses1,2 Our operating model consists of three global businesses and a Corporate Centre, supported by a number of corporate functions and our Digital Business Services teams, formerly known as HSBC Operations Services and Technology. On pages 24 to 27 we provide an overview of our performance in 2020 for each of these global businesses, as well as our Corporate Centre. Commercial Banking (‘CMB’) Global Banking and Markets (‘GBM’) Wealth and Personal Banking (‘WPB’)2 We support business customers with We provide financial services and products We offer a full range of competitive banking banking products and services to help them to corporates, governments and institutions. products and services for all Canadians to operate and grow. Our customers range Our comprehensive range of products and help them manage their finances, buy their from small enterprises, through to large solutions can be combined and customized homes, and save and invest for the future. companies that operate globally. to meet our customers’ specific objectives - Our business also has an international from primary equity and debt capital to flavour with a large suite of global global trade and receivables finance. investment products and other specialized services available. Year ended 31 December 2020 Total operating income $949m $ 7.2% $322m $ 11% $777m $ 3.2% (2019: $1,023m) (2019: $361m) (2019: $803m) Profit before income tax expense $297m $ 48% $135m $ 29% $70m $ 25% (2019: $567m) (2019: $190m) (2019: $93m) At 31 December 2020 Customer assets3 $28.3bn $ 6.3% $5.1bn $ 9.7% $31.6bn # 7.1% (At 31 Dec 2019: $30.2bn) (At 31 Dec 2019: $5.7bn) (At 31 Dec 2019: $29.5bn) 1. We manage and report our operations around three global businesses and the results presented are for these businesses. The consolidated HSBC Bank Canada results presented on the previous page also include the Corporate Centre (see page 27 of the MD&A for more information). The equivalent results for the Corporate Centre were: Total operating loss of $24m (2019 total operating loss of $2m), profit/(loss) before income tax expense was a loss of $98m (2019 was a loss of $34m) and customer assets nil (2019: nil). 2. Effective from the second quarter of 2020, we made two changes to reportable segments. Firstly, the reallocation of Balance Sheet Management from Corporate Centre to the global businesses to better align the income and expenses to the businesses generating or utilizing these activities and as a result Corporate Centre is no longer considered an operating segment. All comparatives have been restated. Secondly, to simplify our matrix organizational structure, HSBC Holdings Group (‘HSBC Group’) merged Retail Banking and Wealth Management and Global Private Banking to form Wealth and Personal Banking. Therefore, going forward, our global business Retail Banking and Wealth Management (‘RBWM’) has been renamed to Wealth and Personal Banking (‘WPB’). HSBC Bank Canada did not have a separate business line for Global Private Banking and there have been no changes in assets or liabilities nor any changes in the income or expenses that were previously attributable to the RBWM business line as a result of the change in structure. Effective 31 December 2020, we also renamed our Balance Sheet Management function as Markets Treasury to reflect the activities it undertakes more accurately. For further details, see note 9 of the consolidated financial statements for the year ended 31 December 2020. 3. Customer assets includes loans and advances to customers and customers’ liability under acceptances. HSBC Bank Canada Annual Report and Accounts 2020 3 Overview Message from the President and Chief Executive Officer resulted in profit before tax of $404m, for a decline of 50% from 2019. This is despite strong cost discipline, an improved economic outlook in the second half which led to lower expected credit losses, and steady increases in non-interest income. Performance in the fourth quarter improved, with profit before tax increasing in two of our three global businesses compared to the third quarter. I became CEO in September and this year has deepened
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