Interim Report - 12 of 24

Total

Latin

America

Brazil

Other

Latin

America

$m

$m

$m

Half year to 30 June 2015

Net interest income

2,249

1,214

1,035

Net fee income

605

307

298

Net trading income

402

242

160

Other income

302

279

23

Net operating income15

3,558

2,042

1,516

LICs

(721)

(498)

(223)

Net operating income

2,837

1,544

1,293

Total operating expenses

(2,405)

(1,353)

(1,052)

Operating profit

432

191

241

Income from associates

−

−

−

Profit before tax

432

191

241

Loans and advances to customers (net)

18,347

−

18,347

- reported in held for sale

20,827

20,827

−

Customer accounts

24,127

−

24,127

- reported in held for sale

19,432

19,432

−

RoRWA

1.0%

0.8%

1.3%

Cost efficiency ratio

67.6%

66.3%

69.4%

Period-end staff numbers

40,787

19,641

21,146

Half-year to 30 June 2014

Net interest income

2,700

1,572

1,128

Net fee income

697

365

332

Net trading income

543

246

297

Other income

325

290

35

Net operating income15

4,265

2,473

1,792

LICs

(998)

(684)

(314)

Net operating income

3,267

1,789

1,478

Total operating expenses

(2,893)

(1,734)

(1,159)

Operating profit

374

55

319

Income from associates

-

-

-

Profit before tax

374

55

319

Loans and advances to customers (net)

46,654

27,515

19,139

Customer accounts

53,852

27,068

26,784

Cost efficiency ratio

67.8%

70.1%

64.7%

RoRWA

0.8%

0.2%

1.6%

Period-end staff numbers

42,157

19,881

22,276

Half-year to 31 December 2014

Net interest income

2,610

1,468

1,142

Net fee income

718

376

342

Net trading income

313

206

107

Other income

366

296

70

Net operating income15

4,007

2,346

1,661

LICs

(1,126)

(815)

(311)

Net operating income

2,881

1,531

1,350

Total operating expenses

(3,039)

(1,833)

(1,206)

Operating profit/(loss)

(158)

(302)

144

Income from associates

-

-

-

Profit/(loss) before tax

(158)

(302)

144

Loans and advances to customers (net)

43,122

23,749

19,373

Customer accounts

48,588

23,204

25,384

RoRWA

(0.3)%

(1.1)%

0.7%

Cost efficiency ratio

75.8%

78.1%

72.6%

Period-end staff numbers

41,201

19,564

21,637

Half-year to

30 Jun

30 Jun

31 Dec

2015

2014

2014

$m

$m

$m

Mexico

1,018

1,027

979

Other

2,528

2,436

2,353

- included in Other: Brazil

2,031

1,916

1,832

3,546

3,463

3,332

Retail Banking

and Wealth

Management

$m

Commercial

Banking

$m

Global Banking and Markets

$m

Global Private Banking $m

Other $m

Total $m

Europe

863

1,287

905

(23)

(827)

2,205

- UK

633

1,115

398

100

(821)

1,425

- France

284

83

241

10

5

623

- Germany

12

30

74

12

(14)

114

- Switzerland

-

3

1

(162)

-

(158)

- other

(66)

56

191

17

3

201

Asia

2,531

2,404

2,683

156

1,626

9,400

- Hong Kong

2,172

1,239

1,238

120

1,464

6,233

- Australia

24

61

128

-

(7)

206

- India

(3)

46

195

7

90

335

- Indonesia

-

(29)

38

-

17

26

- Mainland China

184

817

544

(1)

38

1,582

- Malaysia

67

60

105

-

8

240

- Singapore

45

63

139

31

(17)

261

- Taiwan

11

12

66

-

(5)

84

- other

31

135

230

(1)

38

433

Middle East and North Africa

172

273

470

8

(22)

901

- Egypt

26

50

128

-

(1)

203

- Saudi Arabia

54

82

118

10

-

264

- UAE

83

76

157

(1)

(21)

294

- other

9

65

67

(1)

-

140

North America

(172)

423

356

37

46

690

- Canada

33

206

142

-

(17)

364

- USA

(219)

204

190

37

70

282

- other

14

13

24

-

(7)

44

Latin America

(32)

136

340

2

(14)

432

- Mexico

33

28

56

-

1

118

- other

(65)

108

284

2

(15)

314

included in other: Brazil10

(74)

32

208

2

23

191

Half-year to 30 June 2015

3,362

4,523

4,754

180

809

13,628

Europe

480

1,551

1,425

176

(1,374)

2,258

- UK

565

1,324

887

112

(1,192)

1,696

- France

(39)

123

237

(2)

(115)

204

- Germany

14

38

86

17

(7)

148

- Switzerland

-

2

1

14

(2)

15

- other

(60)

64

214

35

(58)

195

Asia

2,339

2,372

2,415

133

635

7,894

- Hong Kong

1,928

1,125

977

99

419

4,548

- Australia

49

62

92

-

(5)

198

- India

6

59

243

5

67

380

- Indonesia

2

43

62

-

6

113

- Mainland China

140

797

515

(2)

94

1,544

- Malaysia

90

54

90

-

12

246

- Singapore

71

75

127

30

(7)

296

- Taiwan

18

19

101

-

2

140

- other

35

138

208

1

47

429

Retail Banking

and Wealth

Management9

$m

Commercial

Banking9

$m

Global Banking and Markets

$m

Global Private Banking $m

Other $m

Total $m

Middle East and North Africa

182

356

477

9

(35)

989

- Egypt

33

46

71

-

(1)

149

- Saudi Arabia

55

94

99

9

1

258

- UAE

82

133

203

-

(35)

383

- other

12

83

104

-

-

199

North America

130

386

314

51

(56)

825

- Canada

35

280

130

-

(6)

439

- USA

80

110

162

50

(50)

352

- other

15

(4)

22

1

-

34

Latin America

(129)

149

402

(5)

(43)

374

- Mexico

(18)

12

73

(1)

(7)

59

- other

(111)

137

329

(4)

(36)

315

included in other: Brazil10

(161)

54

175

(6)

(7)

55

Half-year to 30 June 2014

3,002

4,814

5,033

364

(873)

12,340

Europe

(166)

997

(1,376)

139

(1,256)

(1,662)

- UK

24

869

(1,688)

79

(1,036)

(1,752)

- France

(142)

117

117

2

(84)

10

- Germany

14

33

76

10

(3)

130

- Switzerland

-

3

1

24

(1)

27

- other

(62)

(25)

118

24

(132)

(77)

Asia

2,133

2,370

2,161

78

(11)

6,731

- Hong Kong

1,799

1,139

830

47

(221)

3,594

- Australia

29

64

140

-

1

234

- India

(2)

62

199

6

55

320

- Indonesia

8

10

48

-

19

85

- Mainland China

152

736

439

(1)

81

1,407

- Malaysia

66

68

100

-

16

250

- Singapore

58

93

116

27

(1)

293

- Taiwan

1

16

65

-

(1)

81

- other

22

182

224

(1)

40

467

Middle East and North Africa

141

248

449

10

(11)

837

- Egypt

31

48

106

-

1

186

- Saudi Arabia

36

74

104

10

4

228

- UAE

72

57

161

-

(11)

279

- other

2

69

78

-

(5)

144

North America

502

527

(426)

34

(45)

592

- Canada

61

234

112

-

(17)

390

- USA

433

290

(565)

32

(10)

180

- other

8

3

27

2

(18)

22

Latin America

(31)

(142)

48

1

(34)

(158)

- Mexico

25

(35)

16

(1)

(13)

(8)

- other

(56)

(107)

32

2

(21)

(150)

included in other: Brazil10

(69)

(151)

(60)

4

(26)

(302)

Half-year to 31 December 2014

2,579

4,000

856

262

(1,357)

6,340