∆ ÊŸfiπ}Ê∑fiπ} •…}ø} ◊π}∑fiœ} Ãfiπ}∑flπ} Á∑fiÃÁ–◊…} ‹flŒflø}Êøø}

tiuaWf;fg;gl;l nghWg;GfSld; n`hq;nfhq;fpy; gjpTnra;ag;gl;lJ.

HSBC N`hy;bq;]; plc

Vida thbf;ifahsh;fSf;fhd fld;fs; kw;Wk; ngwj;jf;fitfs;

CÊ∫Œ}Ãfi} 31¶Œ} ∆fl∑∆fllø…} PC’Ëø»}∆ ’Rø∆{ƒfl—{∑fi…M 2015 2014 US$m US$m

nkhj;jf; fld;fSk; ngwj;jf;fitfSk; 934,009 986,997(fopf;Ff): jdpj;jdp rPhpog;G (5,402) (6,195)xl;Lnkhj;j rPhpog;G (4,153) (6,142),yhgk; my;yJ el;lk; %yk; epahag; ngWkjpapy; eph;zapf;fg;gl;lit

cl;gl epfu fld;fSk; ngwj;jf;fitfSk; 924,454 974,660(fopf;Ff): ,yhgk; my;yJ el;lk; %yk; epahag; ngWkjpapy;

eph;zapf;fg;gl;l epfu fld;fSk; ngwj;jf;fitfSk; – –

epfu fld;fSk; ngwj;jf;fitfSk; 924,454 974,660

Vida thbf;ifahsh;fSf;fhd fld;fs; kw;Wk; ngwj;jf;fitfs; - Jiwrhh; tpguk;

CÊ∫Œ}Ãfi} 31¶Œ} ∆fl∑∆fllø…} PC’Ëø»}∆ ’Rø∆{ƒfl—{∑fi…M 2015 2014 US$m US$m

jdpg;gl;lit 374,082 393,554KjyhtJ ghj;jpa trpg;gpl milkhdq;fs; 274,511 286,524Vida jdpg;gl;lit 99,571 107,030

epWtdq;fSk; tzpfKk; rhh;e;jit 499,513 542,625cw;gj;jpj; Jiw 95,858 106,986rh;tNjr th;j;jfk; kw;Wk; Nritfs; 159,019 180,791tzpf fhzp Mjdk; 67,926 73,293Vida nrhj;J njhlh;Gilait 53,464 52,387murhq;fk; 7,455 6,143Vida tzpfj; Jiw 115,791 123,025

epjp rhh;e;jit 60,414 50,818tq;fpay;yhj epjp epWtdq;fs; 60,414 50,818

cg nkhj;jk; 934,009 986,997

2015 [dthp 01 ,y; cs;sthW 9,609 11,918 11,532 137,144 2,143 58 (9,265) 27,308 190,447 9,531 199,978Mz;Lf;fhd ,yhgk; – – – 13,522 – – – – 13,522 1,574 15,096NtW gue;j tUkhdk; (tup fopj;J NjwpaJ) – – – 73 (2,332) (24) (10,779) – (13,062) (887) (13,949)

- tpw;gidf;F fpilf;fg; ngWk;; KjyPLfs; – – – – (2,332) – – – (2,332) (740) (3,072)- el;lj;jpw;nfjpuhd fhRg; gha;r;ry; – – – – – (24) – – (24) – (24)- eph;zapf;fg;gl;l nrhj;J / nghWg;G mD$yq;fspd; kPs; kjpg;gPL – – – 82 – – – – 82 19 101- gq;fhsh; epWtdq;fs; kw;Wk; $l;L epWtdq;fspd;

NtWgue;j tUkhdj;jpd;; gq;F – – – (9) – – – – (9) – (9)- khw;wPLfspd; NtWghL – – – – – – (10,779) – (10,779) (166) (10,945)Mz;Lf;fhd nkhj;j gue;j tUkhdk; – – – 13,595 (2,332) (24) (10,779) – 460 687 1,147Copah; gq;F toq;fy; jpl;lj;jpd; fPo; toq;fg;gl;l gq;Ffs; 45 691 – (589) – – – – 147 – 147gq;F ,yhgj;jpdJk;> mjpypUe;J Njhd;Wk; njhiff;Fk; gjpyhf

toq;fg;gl;l gq;Ffs; 188 (188) – 3,162 – – – – 3,162 – 3,162toq;fg;gl;l %yjd gpizaq;fs; – – 3,580 – – – – – 3,580 – 3,580gq;FjhuHfSf;fhd gq;F ,yhgk; – – – (10,660) – – – – (10,660) (697) (11,357)gq;F mbg;gilapyhd nfhLg;gdT Vw;ghLfSf;Fhpa kjpg;gPL – – – 757 – – – – 757 – 757NtW mirTfs; – – – 567 – – – – 567 (463) 104

2015 bnrk;gh; 31 ,y; cs;sthW 9,842 12,421 15,112 143,976 (189) 34 (20,044) 27,308 188,460 9,058 197,518

31.12.2015 ,y; Kbtile;j tUlj;jpw;fhd jpuz;l chpikahz;ik khw;Wf;$w;W

miof;fg;gl;l

gq;F

%yjdk;

US$m

gq;F

tl;lk;

US$m

NtW

chpikahz;ik

rhjdq;fs;

US$m

vQ;rpa

cioj;j

,yhgk;

US$m

tpw;gidf;F

fpilf;fg; ngWk;

rPh; ngWkjp xJf;fk;

US$m

fhRg;gha;r;ry;

el;lq;fspw;nfjpuhd

xJf;fk;

US$m

me;epa

nryhzp

xJf;fk;

US$m

nkhj;jg;

gq;Ffspd;

chpikahz;ik

US$m

fl;Lg;ghl;bw;F

Gwk;ghd

mf;fiw

US$m

nkhj;j

chpikahz;ik

US$m

,izg;G

xJf;fk;

US$m

NtW xJf;fq;fs;

NkYs;s epjpj; jfty;fspd; RUf;fk; 2015 bnrk;gh; 31,y; Kbtile;j tUlj;jpw;fhd HSBC N`hypbq;]; gpvy;rpapd; Mz;lwpf;ifapypUe;J gphpj;njLf;fg;gl;ljhFk;.

±…}—flË√∑}∑Ã}Ãø}ø ’RŒfi…∑} F—}T

CÊ∫Œ}Ãfi} 31¶Œ} ∆fl∑∆fllø…} PC’Ëø»}∆ ’Rø∆{ƒfl—{∑fi…M 2015 2014 US$m US$m

’ø}C ’RŒfi…Œ} 47,189 50,955’ø}C∫} Ê∫‹m (14,658) (16,250)

Á∆—flœ ’ø}C ’RŒfi…Œ} 32,531 34,705

∑ø}ø√ ’RŒfi…Œ} 18,016 19,545∑ø}ø√∫} Ê∫‹m (3,311) (3,588)

Á∆—flœ ∑ø}ø√ ’RŒfi…Œ} 14,705 15,957

’flœfiÃfi– ’RŒfi…Œ} ∆’flfi}»}∆ Á∆—flœ ’ø}C ’RŒfi…Œ} 6,948 4,853’flœfiÃfi– »ø’C∑}Ë∑ Œ‡∆fi… Á∆—flœ ’ø}C ’RŒfi…Œ} 1,775 1,907

Á∆—flœ ’flœfiÃfi– ’RŒfi…Œ} 8,723 6,760

toq;fg;gl;l ePz;lfhy fld; kw;Wk; rk;ge;jg;gl;l %y tsq;fspd; re;ijg; ngWkjp khw;wq;fs; 863 508re;ijg; ngWkjpf;F xJf;fg;gl;l Vida epjp gj;jpuq;fspypUe;jhd epfu tUkhdk;/(nryTfs;) 669 1,965

®JÃJ∆}∆Ã}Ãø}ø »fl∆fl ©Ã∑–√π}∑›fl…}

∫»}Ë∆Ã} ÊÃTŒ∆flœfl‹flR»}∆fi… Á∆—flœ ’RŒfi…Œ} (nryTfs;) 1,532 2,473»fl∆fl P∆‹‡J∑›fl‹} ßR»}∆fi… »ø}øŒ} 2,068 1,335Ãπ}E ß‹fià ’RŒfi…Œ} 123 311epfu fhg;GWjp fl;Lg;gd tUkhdk; 10,355 11,921ÆË…œ Ê∆fi‘fl—}Ãfiø}J ’RŒfi…Œ} 1,055 1,131ÊŒfi∆}∆ Ê∆fi‘fl—}Ãfiø}J ’RŒfi…Œ} 71,092 74,593

nrYj;jg;gl;l epfu fhg;GWjpf; Nfhhpf;iffs; kw;Wk; mD$yq;fSk; fhg;GWjpg; gj;jpu

chpikahsh;fSf;fhd nghWg;Gf;fspd; khw;wKk; (11,292) (13,345)

∑ø…} Ã∆fl’‘flÃ}kŒ} Øœ∑}∑ø…} Æ—}ÃfiJ∑V∑}EŒ} P»}∆flœ Á∆—flœ Ê∆fi‘fl—}Ãfiø}J ’RŒfi…Œ} 59,800 61,248∑ø…} Ã∆fl’‘flÃ}kŒ} Øœ∑}∑ø…} Æ—}ÃfiJ∑VŒ} (3,721) (3,851)

Á∆—flœ Ê∆fi‘fl—}Ãfiø}J ’RŒfi…Œ} 56,079 57,397

™‘flœfi} »ø}ø®J∑VŒ} »…}ËŒ∑VŒ} (19,900) (20,366)ÊÃfiM »flfi}’fi∑∫} Ê∫‹m∑›} (17,662) (18,565)©øËŒ∑›}, »flË‹œfi… Ê∫fi∆}M∑}∑›fl…} ÊÃTŒfi…∆} Á∆œ}m (1,269) (1,382)∑ø}k‹…fi∑fi∫} Ê∫fi∆}M∑} EË—Ã}k (937) (936)

ÊŒfi∆}∆ Ê∆fi‘fl—}Ãfiø}J∫} Ê∫‹m (39,768) (41,249)

Ê∆fi‘fl—}Ãfiø}J ß‹fiÃŒ} 16,311 16,148Fø}J ßË√Ã}k Fø}J Pœ—}∫p∑V∑}∑fi… ß‹fiÃÃ}Ãπ}E 2,556 2,532

’fifl∑}E P»}∆flœ ß‹fiÃŒ} 18,867 18,680

’fifl∫} Ê∫‹m∑›} (3,771) (3,975)

∑fi‹Ã}ÃE∆fl∑}∑fi… ß‹fiÃŒ} 15,096 14,705

∆fiœ}∑}∑Œ}Ã…fl Ãπ}E∆fi–fi}∑V∑}E GŒ∆}∆Ã}Ãø}ø ß‹fiÃŒ} 13,522 13,688∫flTÃfi…}ËŒ •∑}∑Ë—œfi›fi}∑V∑}E GŒ∆}∆Ã}Ãø}ø ß‹fiÃŒ} 1,574 1,017

US $ US $rhjhuz gq;nfhd;wpd; mbg;gilr; rk;ghj;jpak; 0.65 0.69rhjhuz gq;nfhd;wpd; Ijhf;fpa rk;ghj;jpak; 0.64 0.69

n`hq;nfhq; md;l; \q;fha; ghq;fpq; Nfhh;g;gNu\d; ypkpl;nll;- = yq;fh ntspaPL.

n`hq;nfhq; md;l; \q;fha; ghq;fpq; Nfhh;g;gNu\d; ypkpl;nll; MdJ ,yq;if kj;jpa tq;fpapdhy; Nkw;ghh;it nra;ag;gLk; chpkk; mspf;fg;gl;l th;j;jf tq;fpahFk;.

ÃC 1 Q‹∆…Œ} 13.9 12.5

ÊŒfi∆}∆ Q‹∆…Œ} 17.2 15.6

ruhrhp epiwNaw;wpa nrhj;Jf;fspypUe;J thpf;F Ke;jpa tUkhdk; 1.6 1.5

ruhrhp rhjhuz gq;Fjhuh; gq;FhpikapypUe;J tUkhdk; 7.2 7.3

*2015 [dthp 01 njhlf;fk; CRD IV eilKiwf;F te;jjhy;> 2015 bnrk;gh; 31,y; ,Ue;jthwhd %yjd tsq;fs; kw;Wk; ,lh; epiwNaw;wpa

nrhj;Jf;fs; mjd; mbg;gilapy; fzpf;fg;gl;L toq;fg;gl;ld.

2015 bnrk;gh;31 ,y; cs;;sthW

2014 bnrk;gh; 31 ,y; cs;;sthW

tphpthd tUkhdj;jpd; xUq;fpizf;fg;gl;l mwpf;if

bnrk;gh; 31,y; Kbtile;j 2015 2014 US$m US$m

Mz;bw;fhd ,yhgk; 15,096 14,705Vida tphpthd tUkhdk;/(nryT) Fwpj;Jiuf;fg;gl;l epge;jidfs; mDrhpf;fg;gl;lJk;> ,yhgkhf my;yJ

el;lkhf gpd;dh; kPs tifg;gLj;jg;gLk; tplaq;fs;> (3,072) 2,972– tUkhd mwpf;iff;F kPs; tifg;gLj;jg;gl;l epahag; ngWkjp mjhaq;fs; (1,231) 4,794– rPhpog;Gf;fs; njhlh;gpy; tUkhd mwpf;iff;F kPs; tifg;gLj;jg;gl;l

njhiffs; (2,437) (1,672)– Nrj ,og;Gfs; njhlh;gpy; tUkhd mwpf;iff;F khw;wg;gl;l njhiffs; 127 374– tUkhd thpfs; 469 (524)

fhRg; gha;r;ry; ,lh; fhg;Gf;fs; (24) 188– epahag; ngWkjp mjpfhpg;Gf;fs;/(,og;Gfs;) 704 1,512– tUkhd mwpf;iff;F kPs; tifg;gLj;jg;gl;l epahag; ngWkjp Mjhaq;fs; (705) (1,244)– tUkhd thpfs; (23) (80)

,yhgkhf my;yJ el;lkhf gpd;dh; kPs tifg;gLj;jg;glhj tplaq;fs;:

eph;zapf;fg;gl;l nrhj;J / nghWg;G mD$yq;fspd; kPs; kjpg;gPL (9) 80– tUkhd thpfSf;F Kd; (9) 78– tUkhd thpfs; – 2

Jiz epWtdq;fs; kw;Wk; $l;L Kaw;rpfspd;; tphpthd

tUkhdj;jpd;/(nrytpd;) gq;F (10,945) (8,903)– Mz;bw;fhd gq;F – (21)– tpw;gid %yk; tUkhd mwpf;iff;F kPs;tifg;gLj;jpaJ (11,112) (8,917)

ghpth;;j;jid tpj;jpahrq;fs; 167 35– ntspehl;Lr; nraw;ghLfspd; tpw;gid %yk;; tUkhd mwpf;iff;F

kPs;tifg;gLj;jpa ntspehl;L ehza khw;W Mjhak; 101 1,985– Vida ghpth;j;jid tpj;jpahrq;fs; 130 2,419

ghpth;j;jid tpj;jpahrq;fSf;Fr; rhl;lj;jf;f tUkhd thp (29) (434)thp ePq;fyhf> tUlj;jpd; Vida tphpthd tUkhdk; (13,949) (3,678)

tUlj;jpd; nkhj;j tphpthd tUkhdk; 1,147 11,027tUlj;jpd; nkhj;j tphpthd tUkhdj;jpy;

– jha; epWtdj;jpd; gq;Fjhuh;fSf;Fr; rhl;lj;jf;fJ 460 9,245– fl;Lg;ghl;L chpikaw;w jug;gpdUf;Fr; rhl;lj;jf;fJ 687 1,782

Mz;bw;fhd nkhj;j midj;Js;slq;fpa tUkhdk; 1,147 11,027

Vida thbf;ifahsh;fSf;Fhpait - Jiwrhh; tpguk;

bnrk;gh;; 31,y; KbTw;w fhyg;gFjpf;fhdJ 2015 2014

US$m US$m

Efh;T tq;fpr; Nrit kw;Wk; nry;t Kfhik 584,872 583,757

tzpf tq;fpr; Nrit 361,701 361,318

cyfshtpa tq;fpr; Nrit kw;Wk; re;ijfs; 261,728 319,121

cyfshtpa jdpahh; tq;fpr; Nrit 80,404 85,465

Vidait 881 981

nkhj;jk; 1,289,586 1,350,642

epjpr; nrhj;Jf;fs;

kj;jpa tq;fpapYs;s fhR kw;Wk; kPjpfs; – – – – 98,934 – 98,934Vida tq;fpfspypUe;J Nrfhpf;fg;gLk; cUg;gbfs; – – – – 5,768 – 5,768n`hq;nfhq; murpd; fld;gLifr; rhd;wpjo;fs; – – – – 28,410 – 28,410th;j;jfr; nrhj;Jf;fs; 224,837 – – – – – 224,837epahag; ngWkjpapy; epakpf;fg;gl;l epjpr; nrhj;Jf;fs; – 23,852 – – – – 23,852ngWjpfs; 285,678 – – – – 2,798 288,476tq;fpfSf;fhd fld;fs; kw;Wk; Kw;gzk; – – – – 90,401 – 90,401thbf;ifahsh;fSf;fhd fld;fs; kw;Wk; Kw;gzk; – – – – 924,454 – 924,454Neh;khw;w kPs;nfhs;tdT xg;ge;jq;fs; - th;j;jfkw;wit – – – – 146,255 – 146,255epjp KjyPLfs; – – 44,102 384,853 – – 428,955jpuz;l tUkhdk; kw;Wk; Vida epjpr; nrhj;Jf;fs; – – – – 149,314 – 149,314

510,515 23,852 44,102 384,853 1,443,536 2,798 2,409,656epjpg; nghWg;Gf;fs;

Gof;fj;jpYs;s n`hq;nfhq; ehzaj; jhs;fs; – – – – 28,410 – 28,410tq;fpfspd; itg;Gf;fs; – – – – 54,371 – 54,371thbf;ifahsh; fzf;Ffs; – – – – 1,289,586 – 1,289,586kPs;nfhs;tdT xg;ge;jq;fs; - th;j;jfkw;wit – – – – 80,400 – 80,400Vida tq;fpfSf;F mDg;gPL nra;ag;gLk; cUg;gbfs; – – – – 5,638 – 5,638th;j;jfg; nghWg;Gf;fs; 141,614 – – – – – 141,614epahag; ngWkjpapy; epakpf;fg;gl;l epjpg; nghWg;Gf;fs; – 66,408 – – – – 66,408ngWjpfs; 276,558 – – – – 4,513 281,071toq;fypYs;s fld; gpizaq;fs; – – – – 88,949 – 88,949jpuz;l kw;Wk; Vida epjpg; nghSg;Gf;fs; – – – – 152,989 – 152,989fPo;epiyg;gLj;jpa nghWg;Gf;fs; – – – – 22,702 – 22,702

418,172 66,408 – – 1,723,045 4,513 2,212,138

th;j;jfj;jpw;F

itj;jpUf;Fk;

gpizaq;fs;

kpy;. m.nlh.

epahag; ngWkjpapy;

epakpf;fg;gl;l

kpy;. m.nlh.

Kjph;r;rp tiu

itj;jpUf;Fk;

gpizaq;fs;

kpy;. m.nlh.

tpw;gidf;Fs;s

gpizaq;fs;

kpy;. m.nlh.

Nja;khdg; ngWkjpapy;

epjpr; nrhj;Jf;fs; kw;Wk;

nghWg;Gf;fs;

kpy;. m.nlh.

n`[pq;

rhjdq;fshf

epakpf;fg;gl;l

ngWjpfs;;;

kpy;. m.nlh.

nkhj;jk;

kpy;. m.nlh.

epjpr; nrhj;Jf;fs; kw;Wk; nghWg;Gf;fspd; mstPl;L Kiwapyhd gFg;gha;T

2015 bnrk;gh; 31,y; ,Ue;jthW

±…}—flË√∑}∑Ã}Ãø}ø Ø»}Ê∆fiË∑

CÊ∫Œ}Ãfi} 31ß‹} ©›}›’fi—fi…J 2015 2014

US.$m US$m

Ê∫fi∆}M∑}∑›}

Ë∑œflU›}› ∑fiGŒ} Œ∆}∆flœ ’π}∑flœfl…} »flUË’∑VŒ} 98,934 129,957

ÆË…œ ’π}∑fl∑›fløŒflR»}∆fi… ’RŒ∆fl∑›} 5,768 4,927

ÊŸfiπ}Ê∑fiπ} •–∫ÃflË√Ã} Ã∆}∆fl–π}∑›fl…} ∑ø…}P—fl 28,410 27,674

’flœfiÃfi–∫} Ê∫fi∆}M∑}∑›} 224,837 304,193

®JÃJ∆}∆Ã}Ãø}ø »fl∆fl∫} Ê∫fi∆}M∑}∑›fl… ∫»}Ë∆Ã} ÊÃTŒ∆fl 23,852 29,037

%yj;jpypUe;J ngw;wit 288,476 345,008

’π}∑fl∑V∑}∑fi… ∑øOŒ} P—}Ã√π}∑VŒ} 90,401 112,149

’fiC∑}Ë∑œfi›fi}∑V∑}∑fi… ∑ø…}∑VŒ} P—}Ã√π}∑VŒ} 924,454 974,660

Neh;khw;w kPs;nfhs;tdT xg;ge;jq;fs; - th;j;jfk; rhuhjit 146,255 161,713

»fl∆fl P∆‹‡J∑›} 428,955 415,467

tpw;gidf;fhd nrhj;Jf;fs; 43,900 7,647

Kd;nfhLg;gdTfs;> jpuz;l tUkhdk; kw;Wk; Vida nrhj;Jf;fs; 54,398 67,529

jw;Nghija thptpjpg;Gr; nrhj;Jf;fs; 1,221 1,309

Fø}J ßË√Ã}k Fø}J Pœ—}∫flœfl‹} ßR»}∆fi… ’ø}C 19,139 18,181

»…}Œ∆flÃ}kŒ} ∑ø}k‹…fi∑∫} Ê∫fi∆}M∑}∑VŒ} 24,605 27,577

gpw;Nghlg;gl;;l thptpjpg;Gr; nrhj;Jf;fs; 6,051 7,111

ÊŒfi∆}∆∫} Ê∫fi∆}M∑}∑›} CÊ∫ŒÉ fiÉ 31 ß“É ©”É”’fi—fi…M 2,409,656 2,634,139

ÊÃfiTÃ}k∑}∑VŒ} ©fiflËŒœfi…}ËŒlŒ} ÊÃfiTÃ}k∑}∑›}

nghWg;Gf;fs;

G—}Á—fiø}ø∆}∆flU›}› ÊŸfiπ}Ê∑fiπ} ∆fi›} »fi√œπ}∑›} 28,410 27,674

’π}∑fl Ë’Ã}k∑}∑›} 54,371 77,426

’fiC∑}Ë∑œfi›fi} ∑√∑}E∑›} 1,289,586 1,350,642

kPs;nfhs;tdT xg;ge;jq;fs; - th;j;jfk; rhuhjit 80,400 107,432

ÆË…œ ’π}∑fl∑V∑}∑flËøœfl‹fi… Ê∑fiJ∑}∑‹} ’fiπ}∑‹}∑›} 5,638 5,990

’flœfiÃfi–Ã} ÊÃfiTÃ}k∑}∑›} 141,614 190,572

∫»}Ë∆Ã} ÊÃTŒ∆flœfl‹fi… »fl∆flÃ} ÊÃfiTÃ}k∑}∑›} 66,408 76,153

%yj;jpypUe;J ngw;wit 281,071 340,669

’‘π}∑Ã}Ãø}ø ÃfiM∑fiÃ}k∑} ∑ø…}∑›} 88,949 95,947

ifjPh;G;Gf; FOf;fspd; tpw;gidf;fhd nghWg;Gf;fs; 36,840 6.934

jpus;Tfs;> xj;jpitf;fg;gl;l tUkhdk; kw;Wk; Vida nghWg;Gf;fs; 38,116 46,462

jw;Nghija thptpjpg;Gg; nghWg;Gf;fs; 783 1,213

∑fiÃ}kT∆fl ±Ã}û}∆ •CÃ}ÃËøœfl‹} ’‘π}∑Ã}Ãø}ø ÊÃfiTÃ}k∑}∑›} 69,938 73,861

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