Peter Wong, Chief Executive Officer, HSBC Asia-Pacific 2010 Credit .
Peter Wong, Chief Executive Officer, HSBC Asia-Pacific2010 Credit Suisse Investor ConferenceLeading, investing and growing in Asiawww.hsbc.com
Forward-looking statementsThis presentation and subsequent discussion may contain certain forward-lookingstatements with respect to the financial condition, results of operations and business of theGroup. These forward-looking statements represent the Group’s expectations or beliefsconcerning future events and involve known and unknown risks and uncertainty that couldcause actual results, performance or events to differ materially from those expressed orimplied in such statements. Additional detailed information concerning important factorsthat could cause actual results to differ materially is available in our Annual Report. Pastperformance cannot be relied on as a guide to future performance.2
AgendaHSBC Group overview and performanceAsia overview and performanceOpportunityStrategyKey marketsHong KongMainland ChinaIndiaOutlook4101420232732373
HSBC Group overview and performance
Leading emerging markets international bankLinking developing and developed marketsGlobal footprint28,000 offices in 88 countries andterritoriesListings in London, Hong Kong,New York, Paris and Bermuda220,000 shareholders in 121countries and territoriesAround 100 million customersAsia, Middle East and Latin AmericaAround 300,000 employeesNorth America and EuropePersonal Financial Services,Total assetsTotalProfit beforeTier 1 capitalTotal capitalrevenues1tax (PBT)ratioratio2009US 2.36trnUS 66.2bnUS 7.1bn10.8%13.7%2008US 2.53trnUS 81.7bnUS 9.3bn8.3%11.4%Commercial Banking, GlobalBanking and Markets, and PrivateBankingNote:(1) Net operating income before loan impairment charges(2) As at 31 Dec 20095
Financial results 2009Delivering results through the cycle20082009Underlying profit beforetax, excluding goodwillimpairment, strongly up1US 8.5bnUS 13.3bn, 56%Reported profit before taxUS 9.3bnUS 7.1bn, -24%Generated capital in eachquarter: Tier 1 ratio (%)28.3%10.8%US 7.7bnUS 5.9bnDividends3Notes:(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(3) Declared in respect of 2008 and 20096
Capital strengthEnhanced through capital generation and rights issueMovement in Tier 1 capital, US bnRightsissue118.3Profit2Tier 1 ratio (%)Dividend FX andnet of scrip weighted assets, US bn9.47.01,1481,13331-Dec-08 31-Dec-08 31-Mar-09 30-Jun-09 30-Sep-09 31-Dec-09Pro forma³ Pro forma³31-Dec-0831-Dec-09Notes:(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(3) Pro forma to include rights issueCore Tier 1Non-core Tier 17
Funding and liquidityPrudent position maintained with advances-to-deposits ratio at 77.3 per centUS bn, 31 December 20081Custom er loansand advances423Custom eraccounts464% Better/(worse)US bn, 31 December 200921941 990307250345121 1,180Custom er loansand advancesCustom eraccounts39949920025726740285-9%896108 1,159-2%Personal Financial ServicesCom m ercial BankingPersonal Financial ServicesCom m ercial BankingGlobal Banking and MarketsPrivate Banking and otherGlobal Banking and MarketsPrivate Banking and otherAdvances-todeposits ratio83.9%77.3%Note:(1) Underlying basis8
Geographical contributionEmerging markets leading performance, 2009North America1 (US bn)Europe1 (US bn) PBT: (4.1) PBT: 6.6 Loans and advances tocustomers: 206.9 Loans and advances tocustomers: 439.5 Customeraccounts: 149.2 Customeraccounts: 495.0Latin America1 (US bn)Middle East1 (US bn)Asia1 (US bn) PBT: 1.1 PBT: 0.5 PBT: 9.2 Loans and advancesto customers: 47.6 Loans and advancesto customers: 22.8 Loans and advancesto customers: 179.4 Customeraccounts: 72.9 Customeraccounts: 32.5 Customeraccounts: 409.4Note:(1) Underlying basis9
Asia overview and performance
PresenceLargest foreign bank1 in mainland China, Hong Kong, India, Indonesia and MalaysiaFootprint in AsiaHistory in Asia spans 145 yearsJapan, 1866South Korea, 1897Presence in 22 countries andterritories2Mainland China, 1865Access to over half of the world’sTaiwan, 1884population with combined GDPMacau, 1972Bangladesh, 1996of US 25.3 trillion, more than theHong Kong, 1865Philippines, 1875India, 1867Thailand, 1870combined GDP of the US, UK,Germany and France3Vietnam, 1870Sri Lanka, 1892Brunei, 1947Malaysia, 1884Nigeria, 2009Maldives, 2002Nearly 1,000 branches andMauritius, 1894offices in the regionSingapore, 1877Indonesia, 1884Australia, 1964South Africa, 1995Over 3.9 million internet bankingcustomers in Asia, nearly halflocated in Hong Kong4Notes:(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 BankNew Zealand, 1987Scope of HSBC Asia-Pacific business11
PerformanceAsia-Pacific driving Group profits with PBT of US 9.2 billion in 2009Regional mix, 2009Profit/(loss) before tax, US mInsurance PBT, US bnAsia contributed close to half of Group Insurance profit1.5UnderlyingReportedUS m% shareUS m% shareHong Kong5,029715,03038Rest of Asia-Pacific4,200594,1573145564553Latin 9)(4,050)(30)7,07910013,286100Middle EastNorth AmericaTotalAsia-Pacific business mix, 2009PBT, US bn, (% of total)Personal Financial Services (3,191, 35%)Com m ercial Banking (2,020, 22%)Global Banking and Markets (3,826, 41%)Private Banking (287, 3%)1.00.50.0AsiaEuropeLatin Am erica2008¹North Am erica2009Strong funding position in Asia-PacificA fifth of Group’s customer loans and advances2008220092% changeCustomer loans andadvances186.1179.4-4Customer accounts380.3409.4 848.9%43.8%Advances-to-deposits ratioOther (-95, -1%)Notes:(1) 2008 adjusted for constant currency(2) Underlying basis12
InvestmentsA decade of expansion in AsiaSouth KoreaMainland China50% less one share in Hana Life19.01% in Bank of CommunicationsJapan16.78% in Ping An InsuranceTaiwanIntegrated assets and operations of TheSouth Korea12.78% in Industrial Bank via Hang SengChinese BankBankMainland China20% in Yantai City Commercial Bank viaHang Seng Bank100% in Chailease Credit ServicesPhilippinesTaiwanBangladesh8% in Bank of ShanghaiMacau24.9% in Beijing HSBC Insurance BrokersIndia49% in HSBC Jintrust Fund ManagementNigeria100% in Keppel Insurance100% in Asia Fund ServicesVietnamSri Lanka93.86% in HSBC InvestDirectSingaporePhilippinesThailand50% in HSBC Life Insurance Company Ltd.India100% in PCI Savings BankHong KongMalaysiaAustraliaBrunei100% in Westpac sub-custody businessMaldives(IL&FS Investsmart)26% in Canara HSBC Oriental Bank ofCommerce Life Insurance CompanyVietnamSingaporeIndonesiaMauritiusSouth Africa19.91% in Techcombank18% in Bao VietAustraliaLimitedIndonesiaNew Zealand98.96% in Bank EkonomiScope of HSBC Asia-Pacific businessMalaysia49% in HSBC Amanah Takaful MalaysiaFirst foreign bank to locally incorporateIslamic bankPurchased ABN AMRO’s retail mortgageportfolio in 2002Outlets1Staff1Profit before 5,307114,755220,711621,3823,3839,229Notes:(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 East13
Opportunity
World economic trends shaping the futureAsia at the centre of global economic powerAsia to contribute largestshare of global GDP,surpassing EU and USAby 2015World GDP forecast, based on PPP, % of total1100%75%50%25%0%19801985Asia ex JapanAsian consumers tobecome biggestincremental spenders,overtaking US andEuropean customers by20131990US1995EU20002005Middle East20102015Latin Am erica2020OthersIncremental spending, US d China2014fAsia ex JapanShare of China's exports (%)2Mainland China exportgrowth driven by intraregional activity242220181614200020012002ASEAN (RHS)Notes:(1) International Monetary Fund(2) HSBC Global Research2003200420052006North America (LHS)200720081098762009EU (LHS)15
Domestic and regional forces shaping AsiaAsian consumer demand to support future growthIndustrial output, 2000-20091Industrial output in Asiaalready passed itsprevious peak while USAand G3 still lagging18017016015014013012011010090Jan-00 Jan-01 Jan-02 Jan-03 Jan-04EM Asia1151101051009590Jan-05 Jan-06 Jan-07 Jan-08 Jan-09G3USAAsia recovery1Asia has entered into avirtuous self-sustaininggrowth cycleHelping lift personalincomes and profitsStronger domesticdemandBoostsimports/exportsNote:(1) HSBC Global Research16
Emerging financial markets have significant room to growScope for growth: emerging markets versus mature markets1Financial depth: value of bank deposits, bonds and equities as a % of GDP, 2008%1,000Hong Kong900800700600Japan500400United KingdomMalaysia300United StatesSingaporeMainland ChinaSouth co20,00030,00040,00050,00060,000GDP per capita at purchasing power parity2Emerging marketsNote:(1) Source: McKinsey Global Institute Global Financial Assets database, HSBC Global Research, CEIC, IMF(2) Log scaleMature markets17
Mass affluent potential biggest in mainland China and India2,000Value of liquid assets (US m)ChinaSouth KoreaTaiw anAustralia Hong KongIndiaThailandNew 89Number of mass affluent individuals CAGR 2006-2010 (%)Source: Datamonitor; size of bubbles indicate number of mass affluent individuals18
Asia debt and capital markets growth surgingAsia dominating global IPO marketshare; holds close to a quarter of globalM&AsAsia’s share of debt and equity issuancemore than tripled in the last decadeDebt issuance 1999 versus 2009Asia IPO volume by number of deals (% of orthAm erica53%AsiaPacificex Japan6%NorthAm erica36%WesternEurope32%AsiaPacificex Japan20%Equity issuance 1999 versus 20091999Others13%WesternEurope33%NorthAm erica45%AsiaPacificex 009Asia's IPO volum e (% of global)Asia M&A volume by number of deals (% of global)2009Others14%%80706050403020100%24NorthAm erica34%AsiaPacificex 's M&A volum e (% of global)Source: Bloomberg, HSBC Global Research19
Strategy
Asia is the futureGroup strategy in action in AsiaMaintain leadership in Hong KongCement emerging marketsleadershipPower up in rest of Asia-PacificGrow organic businessBuild on internationalconnectivityOptimise strategic partnerships21
Balancing contributionDiversified income split between Hong Kong and rest of AsiaAsia-PacificProfit/(loss) before tax1, US m (% of total)HSBC GroupProfit/(loss) before tax1, US m (% of ong KongRest of Asia-PacificNote:(1) 2008 and 2009 PBT on an underlying basis, ex goodwill impairments2009Hong KongRest of Asia-PacificMiddle EastLatin Am ericaEuropeNorth Am erica22
Hong Kong
PerformancePBT of US 5.03 billion in 2009HighlightsBusiness mixProfit/(loss) before tax, underlying, US mMarket leader in mortgages1 and deposits2Largest credit card issuer – 5.3 million cards in circulation, 47 percent market share by card balances35,476Over 200 manned outlets in the territoryLeadingbancassurer4237with 25.9 per cent market share in individual1,441life new business and 32.5 per cent share in Mandatory ProvidentFund (MPF) assets5,0301971,5071,321Largest SME bank – over 340,000 SME customers956Best bank in trade, payments and cash management, foreignexchange and bonds53,4452,728Loans and advances to customers31 December 2009, US bn, (% of total)(358)(968)Personal Financial Services (44, 45%)20082009Com m ercial Banking (28, 28%)Global Banking and Markets (22, 22%)Private Banking (3, 3%)Personal Financial ServicesGlobal Banking and MarketsOtherCom m ercial BankingPrivate BankingOther (2, 2%)US 99.4bnNotes:(1) No 1 in new mortgage business with 30.3 per cent combined market share based on count in 2009 (17.8 per cent HBAP and 12.5 per cent HASE, mReferral, December 2009)(2) No 1 with 33.7 per cent combined market share in customer deposits (24.3 per cent HBAP and 9.4 per cent HASE, Hong Kong Monetary Authority (HKMA), H1 2009)(3) No 1 combined market share (29 per cent HBAP and 18.1 per cent HASE) (HKMA and other bank reports, H1 2009)(4) No 1 combined market share (17.4 per cent HSBC and 8 per cent HASE) for Individual Life New Business [regular premiums] (Office of the Commissioner of Insurance, 2009). No. 1 combined market share (24.8 percent HSBC and 7.6 per cent HASE) in MPF assets (Gadbury Group Limited, December 2009)(5) FinanceAsia Country Awards 200924
CompetitionMarket leaderMarket share in deposits1Market share in card dard CharteredBank of ChinaBank of East AsiaHang Seng BankHSBCBank of ChinaHang Seng BankBank of East AsiaMarket share in mortgages3Market share in life insurance440%50%30.3%25.9%40%30%20%Standard ndard Chartered17.4%12.4%10.9%10%8.5%8.4%0%2009Bank of ChinaBank of East Asia2009Hang Seng BankNote:(1) Hong Kong Monetary Authority (HKMA); banks’ annual/interim reports (H1 2009)(2) HKMA and other banks’ reports (H1 2009)(3) mReferral; based on new business count (2009)(4) New regular and single premium, Office of the Commissioner of Insurance (Q3 2009)HSBCPrudential (UK)AIAHang Seng InsuranceAXA25
StrategyTransforming the businessMaintain leadership in deposits, insurance, wealth management, MPF, mortgages and cardsOver 380,000 Premier customersDominate SME/MME segment – SME loan fund of HK 20 billion benefiting some 8,600Retain market sharecustomers at end of December 2009Build on leadership in foreign exchange, treasury and capital marketsIncrease cross-sales within and across customer groupsCapture potential of Hong Kong and Shanghai as international financial centresDrive Greater ChinaintegrationBuild on Hong Kong’s access to opportunities in the Pearl River DeltaTap cross-straits opportunities for Premier, cross-border trade and Global Banking andMarketsBuild RMB businessCapture dominant share of RMB trade, settlement and bond issuance businessesBe first-to-market RMB products and services as regulators allow26
Mainland China
PerformancePBT of US 111 million in 2009Business mix, 2009Profit/(loss) before tax, US mHighlights, 2009Established in 1865, locally incorporated in April 200720082009% change(109)(184)(69)6458(9)353194(45)Private Banking(5)(7)40Other1650213Total319111(65)Personal Financial ServicesCommercial BankingGlobal Banking and MarketsLargest foreign bank network – 99 HSBC-branded outlets inJanuary 2010Investments in mainland China total US 5 billionMarket value of strategic investments up to US 25.4 billion in2009Bank of Communications, 19.01 per centPing An Insurance, 16.78 per centIndustrial Bank, 12.78 per cent via Hang Seng BankPBT breakdown, US 0500319181111020072008TotalAssociates2009Other mainland China28
PresenceLargest foreign bankBusiness highlights, 2009Grow organically and optimise strategic partnershipsFast-growing presence:99 HSBC Bank China outlets in 23 cities at January 2010HeilongjiangBohai Rim12 rural bank outlets (January 2010)JilinShenyang38 Hang Seng outlets in 11 cities (December 2009)LiaoningBeijingXinjiangFocusing on four economic growth nghaiHubei Wuhan AnhuiChengdu ZhengzhouShaanxiTibetseven ASEAN countriesShanxiXi’anFirst foreign bank to issue RMB bonds in Hong Kongin RMB and first to launch RMB trade settlement inTianjinHebeiTargeting A-share listingFirst foreign bank to settle cross-border tradeDalianInner nnanFirst foreign bank in rural bankingGuangxiFoshanGuangdongYangtzeRiver DeltaDongguanHong Kong/MacauShenzhenLaunched 50:50 jointly-owned insurance entity withHainanNational TrustPearl River DeltaTop foreign bank in 10 categories, as chosenby peers1Branches 22Sub-branches 77Economic growth zones*Note: The figure for Guangzhou includes the sub-branch in Foshan.Notes:(1) PricewaterhouseCoopers Survey of Foreign Banks in China 200929
CompetitionLargest and most geographically widespread of all foreign banks in mainland ChinaLocally incorporated foreign banks by branch network19973775254373730262122HSBC19Bank of East Asia15StandardCharteredBranches14159711958Hang SengCitibankABNDBSSub-branchesNotes:(1) Official bank websites and press reports (as at end December 2009; excluding representative offices, administrative offices, etc)30
StrategyTransforming the businessExpand branch network as fast as regulations will allowIncrease insurance and investment product range focusing on mass affluent and midmarket segmentsFast-track organic growthTap internationally-focused outbound state-owned enterprises (SOEs) and privately-ownedenterprises (POEs)Expand base of local Chinese and multinational companiesBuild RMB product range or individuals and businessesBuild on planned credit card joint venture with BoCom – over 12 million cardsOptimise synergies withstrategic partnersBuild Greater Chinaplatform and globalconnectionsExtend insurance capabilities through BoCom and National Trust partnershipsExplore potential securities joint ventureCapture dominant share of cross-border trade, including RMB-denominated tradeBecome banker of choice for non-resident Chinese in Greater China and globallyBuild on global footprint and expertise to support large domestic companies expandingoverseas31
India
PerformancePBT of US 374 million in 2009Business mix, 2009Profit before tax, US mHighlightsNo. 1 distributor of equity mutual funds120082009% change(155)(219)(41)Commercial Banking118(41)(135)Global Banking and Markets578393(32)Two new non-resident Indian centres in Canada and Australia21(50)Over 9,700 new Business Direct accounts in 2009Other12324095Total666374(44)Personal Financial ServicesPrivate BankingMass affluent leadership – 16 per cent penetration into Premiermarket2Three new branches in January 2010Joint lead manager and bookrunner for State Bank of India’s fiveyear US 750 million bond issueProfit before tax (PBT) US m80060066652937440020002007Notes:(1) Based on non-corporate segment, Computer Age Management Services Report November 2009(2) Based on number of mass affluent households, Indian Readership Survey 20092008200933
PresenceExpanded footprint via acquisitionsHighlightsSecond largest foreign bank network – 174 outlets in 63 cities as at January2010AmritsarJalandharLudhiana50 HSBC branchesChandigarhKarnalGhaziabadNoidaBareillyNew DelhiFaridabadJaipur AgraLucknow77 HSBC InvestDirect outletsGurgaon10 Global Resourcing Centres5 Global Technology CentresJodhpur32 offices through HSBC's 26% stake in life insurance JV1KotaHSBC Asset Management: 100%-owned; one outletAnandVadodaraSuratRajkotCanara HSBC Oriental Bank of Commerce Life Insurance: 26%-owned; hopalVapiNashikHSBC InvestDirect: 93.86%-owned ; 77 outletsGuwahatiPatnaAhmedabadMajor stake rabadBelgaumoutletsOver two million bank customersHSBC Asset Management manages over one million portfolios and assets ofover US 5 billionOver 130,000 customers in 52 cities through HSBC InvestDirect’s 77 outletsand 147 franchisee outletsAccess to 48 million customers through 4,100 branches through ttayamTrichyMaduraiTrivandrum1insurance JVOver 35,000 staff2 – largest in AsiaNotes:(1) Canara HSBC Oriental Bank of Commerce Life Insurance Company(2) 18,000 work in HSBC’s 10 Global Resourcing Centres34
CompetitionForeign banks, big opportunity but slow progressMarket share in advances80%73%Market share in 6%5%74%15%6%6%5%0%0%2007Public sector20072008Old private sectorNew private sectorForeign banksAsset quality – net non-performing assetsPublic sector2008Old private sectorNew private sectorForeign banksCapital adequacy levels15%1.5%14.1% 12.4%12.1% 12%12.5%12%12%0.3%11%10%0.0%2007Public sectorOld private sector20072008New private sectorForeign banksPublic sectorOld private sector2008New private sectorForeign banksSource: Reserve Bank of India35
StrategyTransforming the businessExtend distribution of wealth management products through over 200 HSBC InvestDirectoutletsIntegrate HSBCInvestDirect to growwealth managementIntegrate HSBC InvestDirect retail broking services with bank’s wealth management platformto target mid-market and mass affluent segmentsGrow share of non-resident Indian businessExpand retail product range through Canara HSBC Oriental Bank of Commerce LifeBuild insurance businessacross customer groupsInsurance CompanyCross-sell insurance to CMB customers and financial institutionsDevelop proposition for high net-worth CMB customersIncrease cross-sales and liabilities-led acquisition in PFS and CMBAchieve balancedcustomer groupcontributionFocus on internationally-oriented SMEs/MMEs and large corporates to build asset bookExpand CMB product range in insurance and investmentsIncrease wallet share among multinationals via global transaction banking, working capitalfinance and securities services36
Outlook
Emerging markets leading global recovery and growthKey role in world economic agendaReal GDPNo double dipping in AsiaReal GDP%Yr12840-4200520062007Forecast2008Asia ex Japan200920102011Asia ex Japan and ChinaAsiaInflation targets (%)Rising inflation pressurebut targets mostlyachievable121086420-2AUNZCHHKINIDJPKRMACPI 2010FMainland China supportsrecovery with stimulusfocused on consumption,healthcare and educationJan-01 Jan-02Jan-03SGSLTATHVNTargetWorld trade forecast, US trillion151050-5-10-15Jan-00PHJan-04Asia exports to China (LHS)Lunar NewYearJan-05 Jan-06Jan-07840-4-8Jan-08 Jan-09china real retail sales m -o-m % (RHS)Source: HSBC Global Research38
OutlookPositioning the business for the futureTwo-speed recoveryEmerging markets growing faster than developed marketsPersonal FinancialServicesIncreasingly focused onwealthCommercial BankingDeveloping internationalcapabilities andconnectivityMacro global trendsRemain unchangedGlobal Bankingand MarketsStrengthening its positionas an emerging marketsled and financingfocused businessPrivate BankingIncreasing theconnectivity of theGroup’s globalbusinessesTaking opportunities in Greater China and ASEANHSBC’s financial structure and business model position us strongly and competitively to meet the challenges of thefuture.39
Domestic and regional forces shaping Asia Asian consumer demand to support future growth Note: (1) HSBC Global Research Industrial output, 2000-20091 Asia recovery1 90 100 110 120 130 140 150 160 170 180 Jan-00 Jan-01 Jan-02 Jan-03 Jan-04 Jan-05 Jan-06 Jan-07 Jan-08 Jan-09 90 95 100 105 110 115 EM Asia G3 USA Helping lift personal incomes and .
Classmates will apply the Wong theory to planning the first two days of school. Objectives . Harry K. Wong Rosemary T. Wong Kristin Tritch Whitley Starnes Rachel Brown EDUC 351 . . Wong, Harry K., and Rosemary T. Wong. The First Days of School: How to Be an Effective Teacher. Mountainview, CA: Harry K. Wong Publications, 1998.
How to Survive Your First Days of School Based on the Philosophy of Harry K. Wong & Rosemary T. Wong . Harry k wong publications/ going beyond folders. Retrieved from www.EffectiveTeaching.com Wong, H. K. (2009). The first days of school. (2 ed.). Mountain View: Harry K. Wong Publications. Wong, H. K. (Producer) (n.d.). Using the first days of
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