2003 Annual Report and Accounts
Table of Contents
Front Cover
Table of Contents & Certain Defined Terms
Financial Highlights
Capital and performance ratios
Five-year comparison
Amounts in accordance with US GAAP
Cautionary Statement Regarding Forward-Looking Statements
Description of Business
Introduction
History and development
Outlook
Strategy
Employees and management
Customer groups
Geographical Regions
Competitive environment
Regulation and Supervision
United Kingdom regulation and supervision
Hong Kong regulation and supervision
US regulation and supervision
Description of Property
Legal Proceedings
Financial Review
Summary
Net interest income
Other operating income
Operating expenses
Bad and doubtful debts
Gains on disposal of investments
Taxation
Asset deployment
Debt securities and equity shares
Economic profit
Analysis by customer group
Personal Financial Services
Commercial Banking and Corporate, Investment Banking and Markets
Private Banking and Other
Analysis by geographical region
Europe
Hong Kong
Rest of Asia-Pacific (including the Middle East)
North America
South America
Critical Accounting Policies
Average balance sheet and net interest income
Analysis of changes in net interest income
Risk Management
Credit risk management
Liquidity and funding management
Market risk management
Operational risk management
Fair value and price verification control
Capital management and allocation
Other Information
Board of Directors and Senior Management
Report of the Directors
Results for 2003
Principal activities and business review
Capital and reserves
Employee share option plans
Board committees
Corporate governance
Internal control
Reputational, strategic and operational risk
Health and safety
Directors' interests
Employee involvement
Employment of disabled persons
Supplier payment policy
Notifiable interests in share capital
Connected transactions
Donations
Annual General Meeting
Auditor
Directors' Remuneration Report
Remuneration Committee
General Policy on Employees
Directors and Senior Management
Directors' fees
Executive Directors
Salary
Annual Cash Bonus
Long term incentive plan
Pension
Service contracts and terms of appointment
Directors' emoluments
Pensions
Share options
Restricted Share Plan
Independent Auditors' Report
Financial Statements
Consolidated profit & loss account
Consolidated balance sheet
Cash flow statement
Notes on the Financial Statements
Taxation of Shares and Dividends
Shareholder Information
Organisational Structure
Glossary
Index
Back Cover
Search
|
Email
|
Print
|
PDF
|
Front Cover
[
D
]
