HSBC The Right Bank - HSBCnet | · PDF fileThe Right Bank *Source: HSBC ... The organizational...
Transcript of HSBC The Right Bank - HSBCnet | · PDF fileThe Right Bank *Source: HSBC ... The organizational...
*Source: HSBC Holdings plc Annual Report as of 12/31/14
Key FactsCustomers:51 million
Served by:266,000 employees
Global Reach:73 countries and territories
Across five geographical regions:Europe AsiaMiddle East and North AfricaNorth AmericaLatin America
Offices: Over 6,100
Global Headquarters:London
Market Capitalization US$182 billion
Listed on stock exchanges in:LondonHong KongNew YorkParisBermuda
Share Holders:216,000 in 127 countries and territories
HSBC is one of the world’s largest banking and financial services organizations. With more than 6,100 offices in both established and emerging markets, we aim to be where the growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realize their ambitions.
We serve around 51 million customers through our four Global Businesses: Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking. Our network covers 73 countries and territories in Europe, Asia, Middle East, North Africa, North America and Latin America.
Listed on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by about 216,000 shareholders in 127 countries and territories.
¥$£
Our Four Global Businesses
Global Coverage in Five Regions
Retail Banking and Wealth Management
US$5,651m
Commercial Banking
US$8,441m
Global Bankingand Markets
US$5,889m
Global Private Banking
US$626m
Profit before tax by business on a reported basis
Profit before tax by geographical region on a reported basis
Middle East andNorth AfricaUS$1,826m
Latin AmericaUS$216m
North AmericaUS$1,417m
EuropeUS$596m
AsiaUS$14,625m
Group profit before tax
US$18,680m
Results At A Glance*
About HSBC
**Bloomberg, as of 12/31/14
A Stable Deposit BaseHSBC Bank USA, N.A. relies primarily on deposits
Liability Sources of Funding*
0% 5% 10% 15% 20% 25%
HSBC
Bank of America
Barclays
BNP Paribas
Citigroup
Credit Suisse
Deutsche Bank
JPMorgan Chase
Morgan Stanley
UBS
Total Capital Ratio*
0% 5% 10% 15% 20%
HSBC
Bank of America
Barclays
BNP Paribas
Citigroup
Credit Suisse
Deutsche Bank
JPMorgan Chase
Morgan Stanley
UBS
Tier 1 Capital Ratio*
Market Capitalization in US$ billions*
0
50
100
150
200
250
HSBC Bank ofAmerica
Barclays BNPParibas
Citigroup CreditSuisse
DeutscheBank
JPMorganChase
MorganStanley
UBS
HSBC in the United States: Our Advantage
Total Deposits
Long-term Debt
Short-term Borrowings
5%5%
90%
Since 1865, HSBC has had a presence in the United States starting with our predecessor bank, Marine Midland, which was founded in Buffalo, New York to finance the shipping trade along the Great Lakes. Since then, our commitment to traditional banking principles has served us well. We have created a business that is diversified by customer group and by geography – avoiding excessive reliance on one region or one economic sector, while remaining where the growth is. We have put strong retail deposits at the heart of our strategy, avoiding reliance on the wholesale markets where massive changes in sentiment can take place very quickly.
Credit MattersHSBC credit rating remains consistently high across all major rating agencies
A credit rating reflects the creditworthiness of the respective entity and is not indicative of the market risk associated with any investment nor is it a recommendation to buy, sell or hold any investment, and it may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating should be evaluated independently of any other rating.
*HSBC.com as of 5/19/15
Strong Market Capitalization
S&P* HSBC Bank USA, N.A. HSBC USA Inc
Long Term Local Issuer Credit Rating AA- A
Fitch* HSBC Bank USA, N.A. HSBC USA Inc
Long Term Bank Deposits Rating AA- n/a
Senior Unsecured Debt Rating AA- AA-
Moody’s* HSBC Bank USA, N.A. HSBC USA Inc
Issuer Rating Aa3 n/a
Long Term Bank Deposits Rating Aa2 n/a
Senior Unsecured Debt Rating Aa3 A2 *Source: HSBC USA Inc. Annual Report on Form 10-K as of 12/31/14
HSBC has traveled a long way since its beginning in 1865 – from a small local bank to a leader in global banking and finance with a strong presence in the United States. Today, we believe that being part of a global organization brings strengths that benefit our clients – combining the advantages of worldwide presence and scale with local knowledge and service.
• HSBC North America Holdings is one of the largest bank holding companies in the United States.
• HSBC was ranked as one of the world’s 50 safest banks for 2014 by Global Finance magazine. Banks were selected by Global Finance magazine based on an evaluation of long-term credit ratings and total assets of the 500 largest banks worldwide.*
Who We Serve
• Financial Advisors• High Net Worth Individuals/Family Offices• Bank Broker Dealers• Institutional and Corporate Investors
What We Offer• Global Banking and Markets
– Wealth Management Structured Investments• Equities• Fixed Income • Precious Metals
• Commercial Banking • Retail Banking & Wealth Management• Global Private Banking
HSBC: Who We Are
* Ratings current as of August 14, 2014 ranked by Global Finance magazine. https://www.rabobank.com/en/images/Safest_banks_2014_sept2014.pdf
The organizational chart above is not a full representation of the ownership structure of HSBC Holdings plc. and is intended only to depict key North American subsidiaries of HSBC Holdings plc.
HSBC Bank USA, N.A.
Fast Facts
Customers: 2.4 million
Total Assets US $178.6 billion*
Bank Branches: 240 throughout the United States
Principal Office: New York City
HSBC in the United States
* Source: HSBC USA Inc. Annual Report on Form 10-K as of 12/31/14
HSBC Holdings plc
HSBC North America Holdings Inc
HSBC Finance Corporation HSBC USA Inc
HSBC Bank USA, N.A.
HSBC Markets (USA) Inc
HSBC Securities (USA) Inc
As shown below in the organization chart highlighting key North American subsidiariesof HSBC Holdings plc HSBC USA Inc. and HSBC Bank USA, N.A. are both wholly ownedsubsidiaries of HSBC Holdings plc.
HSBC USA Inc. is a U.S. bank holding company whose principal subsidiary is HSBC BankUSA N.A. HSBC Bank USA, N.A. is a federally chartered bank that is a member bank ofthe Federal Deposit Insurance Corporation (FDIC) and is regulated by the Office of theComptroller of the Currency (OCC).
The following entities are active issuers of debt in the U.S. markets:
• HSBC USA Inc. – in the form of SEC registered notes
• HSBC Bank USA, N.A. – in the form of FDIC insured Certificates of Deposit
Prior to investing in any debt obligation issued by HSBC USA Inc. or HSBC Bank USA,N.A., you should carefully review the related disclosure document to understand therisks related to the debt obligation and the specific issuer. This brochure discusses anumber of different HSBC entities and you should fully inform yourself about the specificHSBC issuer prior to making any investment in its debt obligations. HSBC Holdings plc,HSBC North America Holdings Inc. and other affiliated entities are not liable for any of theobligations of HSBC USA Inc. or HSBC Bank USA, N.A.
This brochure is intended to provide a general overview of HSBC and does not provide the terms of any specific issuance of structured investments. Prior to any decision to invest in a specific structured investment, investors should carefully review the disclosure documents for such issuance which contains a detailed explanation of the terms of the issuance as well as the risks, tax treatment and other relevant information.
HSBC Bank USA N.A. and HSBC USA Inc, are members of the HSBC Group. Any member of the HSBC Group may from time to time underwrite, make a market or otherwise buy and sell, as principal, structured investments, or together with their directors, officers and employers may have either long or short positions in the structured investments, or stocks, commodities or currencies to which the structured investments are linked, or may perform or seek to perform investment banking services for those linked assets mentioned herein.
HSBC operates in various jurisdictions through its affiliates, including, but not limited to, HSBC Securities (USA) Inc., member of NYSE, FINRA and SIPC.
© 2015 HSBC USA Inc. All rights reserved. 150522_5434