HSBC Holdings plc 滙豐控股有限公司 2021年報及賬目 HSBC Holdings plc 滙豐控股有限公司 2021年報及賬目 HSBC Holdings plc 滙豐控股有限公司 8 Canada Square London E14 5HQ United Kingdom 電話：+44 (0)20 7991 8888 www.hsbc.com 英格蘭註冊有限公司 註冊編號 617987 目錄 21123636-HSBC-AR(c).indb 2 1/3/2022 19:04:54 | --- | --- | |-------|------------------------------| | | | | | 策略報告 | | 2 | 摘要 | | | 4 集團簡介 | | 6 | 集團主席報告 | | | 8 集團行政總裁之回顧 | | 12 | 集團策略 | | 15 | 我們的業務經營方式 | | 21 | 董事會決策及與相關群體的互動 | | 25 | 薪酬 | | 26 | 財務概覽 | | 30 | 環球業務 | | 37 | 風險概覽 | | | 41 長期可行性及持續經營聲明 ...

Financial Performance - Adjusted profit before tax for 2020 was $6.1 billion, down from $8.7 billion in 2019, with basic earnings per share at $0.19 compared to $0.30 in 2019[11]. - Reported revenue for 2020 was $50.429 billion, a decrease of 10% compared to $56.098 billion in 2019[18]. - Reported profit before tax was $8.777 billion, down 34% from $13.347 billion in 2019[18]. - Reported profit after tax was $6.099 billion, a decline of 30% from $8.708 billion in 2019[18]. - Adjusted pre-tax profit was $12.1 billion, down 45% from the previous year[17]. - Adjusted revenue for the year was $50,366 million, a decrease from $54,944 million in the previous year[19]. - Adjusted pre-tax profit was $12,149 million, down from $22,149 million year-over-year[19]. - The average tangible equity return was 3.1%, down from 8.4% in the previous year[19]. - The group's reported pre-tax profit decreased by 34% to $8 billion, while adjusted pre-tax profit fell by 45% to $12.1 billion due to increased expected credit losses and reduced income[122]. - The average tangible equity return for 2020 was 3.1%, down 530 basis points from 2019, primarily due to expected credit losses and reduced income[123]. Capital and Liquidity - The common equity tier 1 capital ratio stood at 15.9%[11]. - The common equity tier 1 ratio increased to 15.9%, up 1.2 percentage points from 14.7% at the end of 2019[17]. - The total capital ratio increased to 21.5%, up from 20.4% last year[19]. - Total assets reached $2,984,164 million, up from $2,715,152 million in the previous year[19]. - The group held $678 billion in high-quality liquid assets as of December 31, 2020, demonstrating strong liquidity management[140]. - The common equity tier 1 ratio was 15.9% as of December 31, 2020, up from 14.7% at the end of 2019, reflecting the cancellation of the fourth dividend in 2019 and changes in software asset capital treatment[139]. Credit Losses and Provisions - Expected credit losses increased to $8.8 billion, reflecting a rise of $6.1 billion due to the impact of the COVID-19 pandemic[17]. - Customer loans' expected credit loss provisions rose from $8.7 billion at the end of 2019 to $14.5 billion by the end of 2020[17]. - The expected credit loss as a percentage of total customer loans rose to 0.81%, significantly higher than 0.25% last year[19]. - The expected credit losses for 2020 amounted to $8.8 billion, an increase of $6.1 billion compared to 2019, reflecting the impact of the COVID-19 pandemic on the global economic outlook[124]. Sustainable Financing and Investment - The total sustainable financing and investment provided since 2017 reached $93 billion, up from $52.4 billion in 2019[11]. - The company plans to provide $750 billion to $1 trillion in sustainable financing and investment over the next decade to support sustainable development[41]. - HSBC aims to achieve net-zero emissions in its financing portfolio by 2050, reflecting its commitment to sustainable value creation[33]. - The company aims to achieve net-zero carbon emissions in its operations and supply chain by 2030, aligning with the Paris Agreement goals[81]. - The group aims to provide and facilitate $100 billion in sustainable financing and investment by the end of 2025, with cumulative progress since 2017 reaching $93 billion[87]. Customer Support and Satisfaction - The company continues to support customers through relief measures during the pandemic, indicating a commitment to client support[8]. - Customer satisfaction improved, with 30.3% of senior leadership positions held by women, up from 29.4% in 2019[11]. - HSBC provided loan support to over 237,000 wholesale customers globally, amounting to $35.3 billion, through government programs and its own measures by the end of 2020[84]. - HSBC maintained operations in most branches while ensuring the health and safety of customers and employees during the pandemic[84]. Strategic Initiatives and Reforms - The company has made good progress on its reform plans and is preparing for the next phase of its strategic initiatives[9]. - The board confirmed the appointment of the new CEO, who will focus on implementing priority strategies in 2021[31]. - The company is focused on building a strong corporate culture and simplifying work processes to drive growth and innovation[41]. - The company is committed to capturing opportunities in cross-border trade services and aims to be a leading provider of international banking services for medium-sized enterprises[41]. Technology and Digital Transformation - The company has shifted its focus to technology investments, emphasizing the acceleration of digitalization to enhance service efficiency[41]. - Digital banking usage increased by approximately 30% compared to pre-pandemic levels, with a significant rise in mobile and online banking customers[48]. - The company plans to invest in technology even if it requires cutting other expenditures, ensuring continued investment throughout the investment period[41]. - The company is enhancing technology investments across customer platforms to improve cost efficiency and increase fee income from wealth management and wholesale banking products[52]. Diversity and Inclusion - The company has set a target to increase the percentage of women in senior leadership roles from over 30% to at least 35% by 2025[43]. - Approximately 71% of employees consider the company an ideal workplace, an increase from 66% in 2019[43]. - The company has implemented a global racial inclusion plan to promote career development and advancement opportunities for minority employees[43]. - The company achieved a 30.3% representation of women in senior leadership roles by the end of 2020, surpassing its 30% target set for that year, and aims for 35% by 2025[98]. Risk Management and Geopolitical Concerns - Geopolitical risks, including tensions between the US and China, are being closely monitored as they affect business and investment sentiment[13]. - The company is actively monitoring emerging geopolitical, economic, and environmental risks affecting capital adequacy and liquidity[179]. - The company is facing potential impacts from extreme weather events on its assets and operations, which could affect clients' ability to repay loans[91]. - The company is enhancing its cybersecurity measures to protect against advanced network threats, focusing on data-driven strategies for threat detection and recovery[188]. Community Engagement and Corporate Responsibility - In 2020, the company donated $112.7 million to various charitable programs and employees contributed 82,000 hours to community volunteer activities[99]. - The group established a COVID-19 relief fund of $25 million to support recovery efforts globally, including immediate medical aid and food provision for vulnerable communities[86]. - The company emphasized its commitment to supporting customers and communities during the pandemic, particularly in Hong Kong and the UK[112].

HSBC Holdings plc 滙豐控股有限公司 HSBC Holdings plc 滙豐控股有限公司 2020年中期業績報告 2020年中期業績報告 HSBC Holdings plc 滙豐控股有限公司 8 Canada Square London E14 5HQ United Kingdom 電話：+44 (0)20 7991 8888 www.hsbc.com 英格蘭註冊有限公司 註冊編號 617987 可以用品 目錄 概覽 1 便覽 2 摘要 4 集團行政總裁之回顧 8 我們的業務經營方式 10 財務概覽 14 環球業務 21 風險概覽 中期管理報告 25 財務概要 32 環球業務 40 地區 50 風險 50 2020 年上半年的主要發展 50 特別提述部分 54 信貸風險 77 資本及流動資金風險 84 市場風險 87 制訂保險產品業務風險 簡明中期財務報表 90 董事之責任聲明 91 獨立核數師報告 92 簡明中期財務報表 98 簡明中期財務報表附註 補充資料 121 股東參考資料 126 前瞻性陳述 127 若干界定用語 128 簡稱 提示 我們以美元為列賬貨幣。 經調整衡量指標 我們以管 ...

HSBC Holdings plc 滙豐控股有限公司 2019年中期業績報告 HSBC Holdings plc 滙豐控股有限公司 2019年中期業績報 告 HSBC Holdings plc 滙豐控股有限公司 8 Canada Square London E14 5HQ United Kingdom 電話：44 020 7991 8888 www.hsbc.com Forest Stewardship Council® (FSCTM) 是一 家全球性非牟利機構，致力推廣負責任的 森林管理。FSCTM 標記表明產品負責任地 使用全球森林資源。 承印：宏亞印務有限公司，香港。本刊物以 植物油墨印製，採用 Print Speed 紙張。此種 紙張在奧地利及葡萄牙製造。紙漿不含氯。 緊密聯繫客戶 助握無限商機 忌鞮致力䪾䳣䋑㜥㟞Ꟁ機麂，推⹛⟱噠薱㡭䧭Ꟁㄤ 竤憘籗囙涮㾝，䍲⸔㹐䨩麨䧭㣆䟝，㻜植䫵負。 封面圖片 我們的環球市場推廣計劃探索滙豐助 人成功之道，將集團的六角形標誌作 為觀察世界的鏡頭，展示我們如何協 助個人、企業和社區茁壯成長、繁榮 興盛。這包括我們致力推動可再生能 源發展，支持全球過渡至低碳型經濟。 我們 ...

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