HSBC Holdings PLC · LSE:HSBA
HSBC — HSBC Finance — H1 2012 Earnings Presentation
6 slides from HSBC's earnings presentation, Jul 30, 2012
Slide 1: HSBC Finance Corporation – Presentation (HKEX announcement)
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Slide 2: HSBC Finance Corporation IFRS Management Basis
HSBC Finance Corporation IFRS Management Basis 30 July 2012 1
Slide 3: HSBC Finance Corporation 1H 2012 Financial Results
HSBC Finance Corporation 1H 2012 Financial Results 1H 2011 2H 2011 1H 2012 US$m Card and Consumer Card and Consumer Card and Consumer Total Total Total Retail Svcs and Other(2)(3) Retail Svcs and Other(2)(3) Retail Svcs(1) and Other(2)(3) Net operating income before loan impairment charges excluding
Slide 4: Consumer and Mortgage Lending run-off portfolio continues to decline
HSBC Finance Corporation (1) Consumer and Mortgage Lending run-off portfolio continues to decline Customer loans Run-off portfolio, US$bn 64.5 61.3 58.4 55.7 53.5 51.5 8.8 49.5 47.5 45.7 8.1 7.5 6.5 6.8 6.3 6.0 5.6 5.3 5.8 5.4 5.0 4.8 5.0 4.6 4.5 4.2 4.0 49.2 47.2 45.3 43.6 42.2 40.9 39.6 38.3 37.1
Slide 5: 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 3 30% 8 20% 6.1 6.2 5.9 5.8 5.6 5.6 5.8 5.6 5.4 15% 2.0 2 20% 1.6 1.5 12 .1% 12 .3 % 4 11.9 % 12 .0 % 10% 1.2 10 .1% 10 .1% 1.0 1.0 1.0 1.0 9 .5 % 9 .5 % 9 .6 % 1
Slide 6: Impairment allowance
HSBC Finance Corporation (1) Impairment allowance Consumer & Mortgage Lending Run-off Portfolio (2) US$m 1,829 6,106 951 1,402 113 855 1,285 100 724 13 1,230 5,631 880 91 98 5,415 16 113 109 1,019 974 717 993 1,648 1,152 1,016 1,459 12 3Q 1 3Q 0 1Q IC 2Q IC 4Q IC 4Q IC 1Q IC 2Q IC 3Q IC 3Q IC 2Q r J