Financial Ratios HSBC Holdings plc

Equities

HSBA

GB0005405286

Banks

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08:15am	HSBC Buys Back Shares in UK, Hong Kong	MT
06:16am	HSBC to cut best lending rate in Hong Kong by 25 bps to 5.625%	RE

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Published financial data: HSBC HOLDINGS PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	54.7B	41.76B	36.19B	55.06B	101B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	54.7B	41.76B	36.19B	55.06B	101B
Interest On Deposits	24.23B	14.18B	9.7B	22.45B	65.07B
Interest Expense, Total	24.23B	14.18B	9.7B	22.45B	65.07B
Net Interest Income	30.46B	27.58B	26.49B	32.61B	35.8B
Income From Trading Activities	10.23B	9.58B	7.74B	10.47B	16.66B
Gain (Loss) on Sale of Assets	-	-	-	-	150M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.16B	653M	569M	-3M	-3B
Total Other Non Interest Income	14.24B	12.62B	14.75B	11.03B	10.19B
Non Interest Income, Total	25.64B	22.85B	23.06B	21.5B	24B
Revenues Before Provison For Loan Losses	56.1B	50.43B	49.55B	54.1B	59.8B
Provision For Loan Losses	2.76B	8.82B	-928M	3.59B	3.45B
Total Revenues	53.34B	41.61B	50.48B	50.51B	56.35B
Salaries And Other Employee Benefits	17.45B	17.61B	18.24B	17.94B	17.7B
Amort. of Goodwill & Intang. Assets	1.07B	1.47B	1.44B	1.72B	2.11B
Occupancy Expense	2.1B	2.68B	2.26B	2.16B	1.64B
Selling General & Admin Expenses, Total	14.38B	11.58B	12.1B	11.52B	10.9B
(Income) Loss on Equity Invest.	-2.35B	-1.6B	-3.05B	-2.72B	-2.81B
Non Interest Expense, Total	32.65B	31.74B	30.99B	30.61B	29.55B
EBT, Excl. Unusual Items	20.7B	9.87B	19.49B	19.9B	26.8B
Restructuring Charges	-	-	-	-2.38B	-
Impairment of Goodwill	-7.35B	-41M	-587M	-	285M
Asset Writedown	-	-1.05B	-	4M	-
Other Unusual Items	-	-	-	-	3.26B
EBT, Incl. Unusual Items	13.35B	8.78B	18.91B	17.53B	30.35B
Income Tax Expense	4.64B	2.68B	4.21B	858M	5.79B
Earnings From Continuing Operations	8.71B	6.1B	14.69B	16.67B	24.56B
Net Income to Company	8.71B	6.1B	14.69B	16.67B	24.56B
Minority Interest	-1.32B	-870M	-776M	-635M	-1.03B
Net Income - (IS)	7.38B	5.23B	13.92B	16.04B	23.53B
Preferred Dividend and Other Adjustments	1.41B	1.33B	1.31B	1.21B	1.1B
Net Income to Common Incl Extra Items	5.97B	3.9B	12.61B	14.82B	22.43B
Net Income to Common Excl. Extra Items	5.97B	3.9B	12.61B	14.82B	22.43B
Per Share Items
Net EPS - Basic	0.3	0.19	0.62	0.75	1.15
Basic EPS - Continuing Operations	0.3	0.19	0.62	0.75	1.15
Basic Weighted Average Shares Outstanding	20.16B	20.17B	20.2B	19.85B	19.48B
Net EPS - Diluted	0.3	0.19	0.62	0.74	1.14
Diluted EPS - Continuing Operations	0.3	0.19	0.62	0.74	1.14
Diluted Weighted Average Shares Outstanding	20.23B	20.24B	20.3B	19.99B	19.6B
Normalized Basic EPS	0.58	0.26	0.56	0.59	0.81
Normalized Diluted EPS	0.57	0.26	0.56	0.59	0.8
Dividend Per Share	0.3	0.15	0.25	0.32	0.61
Payout Ratio	121.85	25.45	41.6	40.81	49.26
American Depositary Receipts Ratio (ADR)	1.25	1.25	1.25	1.25	1.25
Supplemental Items
Effective Tax Rate - (Ratio)	34.76	30.51	22.28	4.9	19.08
Current Domestic Taxes	-	-	-	-	-
Current Foreign Taxes	-	-	-	-	-
Total Current Taxes	3.77B	2.7B	3.25B	2.99B	5.72B
Total Deferred Taxes	871M	-22M	963M	-2.13B	71M
Normalized Net Income	11.61B	5.3B	11.41B	11.8B	15.73B
Non-Cash Pension Expense	176M	146M	243M	42M	-151M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	551M	462M	506M	424M	522M
Total Stock-Based Compensation	551M	462M	506M	424M	522M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	165B	318B	429B	347B	307B
Investment Securities, Total	800B	845B	821B	810B	886B
Trading Asset Securities, Total	484B	529B	435B	489B	508B
Total investments	1,283B	1,374B	1,256B	1,300B	1,394B
Gross Loans	1,079B	1,084B	1,086B	971B	988B
Allowance For Loan Losses	-8.75B	-14.53B	-11.43B	-11.52B	-11.09B
Other Adjustments to Gross Loans	-1.34B	-1.24B	-1.52B	-1.58B	-1.87B
Net Loans	1,069B	1,068B	1,073B	957B	975B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	14.7B	14.41B	13.24B	12.58B	12.93B
Goodwill	5.59B	5.88B	5.03B	4.16B	4.32B
Other Intangibles, Total	14.57B	14.56B	15.59B	17.16B	8.16B
Other Receivables	755M	954M	970M	1.23B	1.54B
Restricted Cash	84.88B	101B	75.8B	123B	119B
Other Current Assets, Total	38.75B	45.88B	44.64B	162B	175B
Deferred Tax Assets Long-Term (Collected)	4.63B	4.48B	4.62B	7.5B	7.75B
Other Long-Term Assets, Total	34.08B	36.58B	39.93B	35.23B	34.86B
Total Assets	2,715B	2,984B	2,958B	2,967B	3,039B
Liabilities
Accrued Expenses, Total	11.81B	10.41B	10.47B	12.35B	16.81B
Interest Bearing Deposits	1,516B	1,744B	1,828B	1,656B	1,706B
Total Deposits	1,516B	1,744B	1,828B	1,656B	1,706B
Short-Term Borrowings	239B	303B	191B	286B	235B
Current Portion of Long-Term Debt	227B	190B	179B	177B	242B
Long-Term Debt	183B	171B	170B	154B	164B
Long-Term Leases	4.6B	4.61B	3.59B	2.77B	2.81B
Current Income Taxes Payable	2.15B	690M	698M	1.14B	2.78B
Other Current Liabilities - (Bank / Utility Template)	183B	185B	191B	309B	288B
Pension & Other Post Retirement Benefits	1.77B	2.02B	1.61B	1.1B	1.16B
Deferred Tax Liability Non-Current	3.38B	4.31B	4.67B	2.42B	1.24B
Other Non Current Liabilities	150B	164B	171B	169B	187B
Total Liabilities	2,522B	2,779B	2,751B	2,771B	2,846B
Common Stock, Total	10.32B	10.35B	10.32B	10.15B	9.63B
Additional Paid In Capital	13.96B	14.28B	14.6B	14.66B	14.74B
Retained Earnings	137B	141B	144B	152B	152B
Comprehensive Income and Other	23B	31.25B	28.87B	10.6B	8.81B
Total Common Equity	184B	196B	198B	187B	185B
Minority Interest	8.71B	8.55B	8.53B	8.54B	7.28B
Total Equity	193B	205B	207B	196B	193B
Total Liabilities And Equity	2,715B	2,984B	2,958B	2,967B	3,039B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	20.21B	20.18B	20.07B	19.74B	19.01B
ECS Total Common Shares Outstanding	20.21B	20.18B	20.07B	19.74B	19.01B
Book Value / Share	8.07	8.62	8.76	8.5	8.82
Tangible Book Value	164B	176B	178B	166B	173B
Tangible Book Value Per Share	7.07	7.61	7.73	7.42	8.16
Tangible Book Value Per Share (As Reported)	7.13	7.75	7.88	7.57	8.19
Average Assets	-	2,937B	3,012B	3,031B	3,060B
Average Loans	1,022B	1,047B	1,061B	1,024B	958B
Total Debt	655B	669B	543B	619B	644B
Deposits at Interest - Cash	127B	147B	161B	168B	174B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-6.98B	-9B	-9.15B	-6.48B	-6.89B
Net Debt	-249B	-423B	-578B	-486B	-440B
Equity Method Investments, Total	24.47B	26.68B	29.61B	29.25B	27.34B
Full Time Employees	235K	226K	220K	219K	221K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	7.38B	5.23B	13.92B	16.04B	23.53B
Depreciation, Depletion & Amortization	2.1B	2.68B	2.26B	2.16B	1.64B
Amortization of Goodwill and Intangible Assets - (CF)	123M	1.43B	255M	269M	-50M
Total Depreciation, Depletion & Amortization	2.22B	4.12B	2.52B	2.43B	1.59B
Amortization of Deferred Charges, Total	947M	1.08B	1.18B	1.45B	1.88B
(Gain) Loss On Sale of Asset - (CF)	-1.33B	-541M	-647M	2.65B	1.21B
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	3B
Total Asset Writedown	7.35B	41M	587M	-	-
Provision for Credit Losses	3.01B	9.1B	-519M	3.91B	3.72B
(Income) Loss On Equity Investments - (CF)	-1.72B	-836M	-2.24B	-1.78B	-1.74B
Stock-Based Compensation (CF)	478M	433M	467M	400M	482M
Change in Trading Asset Securities	-21.22B	11.19B	-13.48B	28.52B	-73.24B
Change in Other Net Operating Assets (Collected)	-46.09B	-47.62B	-15.09B	16.82B	47.66B
Other Operating Activities	-452M	-26.7B	21.91B	47.2B	-14B
Cash from Operations	-49.42B	-44.5B	8.61B	118B	-5.91B
Capital Expenditure	-1.34B	-1.45B	-1.09B	-1.28B	-1.14B
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-603M	-106M	-989M	-453M
Divestitures	-83M	-	-	-	-
Purchase / Sale of Intangible Assets	-2.29B	-2.06B	-2.48B	-3.12B	-2.55B
Investment in Marketable and Equity Securities, Total	-32.72B	-19.68B	28.15B	-25.55B	-59.39B
Net (Increase) Decrease in Loans Originated / Sold - Investing	1.12B	1.36B	3.06B	-3.53B	623M
Cash from Investing	-35.32B	-22.43B	27.54B	-34.48B	-62.91B
Long-Term Debt Issued, Total	-	-	-	7.3B	5.24B
Total Debt Issued	-	-	-	7.3B	5.24B
Long-Term Debt Repaid, Total	-4.21B	-3.54B	-864M	-1.78B	-2.15B
Total Debt Repaid	-4.21B	-3.54B	-864M	-1.78B	-2.15B
Issuance of Common Stock	141M	-	-	-	-
Repurchase of Common Stock	-1B	-181M	-2.09B	-2.38B	-6.43B
Issuance of Preferred Stock	-	1.5B	2B	-	2B
Repurchase of Preferred Stock	-	-398M	-3.45B	-2.27B	-4B
Common Dividends Paid	-7.58B	-	-4.48B	-5.33B	-10.49B
Preferred Dividends Paid	-1.41B	-1.33B	-1.31B	-1.21B	-1.1B
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-9B	-1.33B	-5.79B	-6.54B	-11.59B
Net Increase (Decrease) in Deposit Accounts - (CF)	79.16B	227B	95.7B	-91.19B	45.02B
Other Financing Activities, Total	-777M	-692M	-593M	-623M	-626M
Cash from Financing	64.32B	222B	84.91B	-97.48B	27.46B
Foreign Exchange Rate Adjustments	1.25B	19.43B	-15.34B	-38.03B	10.62B
Net Change in Cash	-19.17B	175B	106B	-52.36B	-30.74B
Supplemental Items
Cash Interest Paid	27.38B	17.74B	12.7B	22.86B	65.98B
Cash Income Tax Paid (Refund)	2.27B	4.26B	3.08B	2.78B	4.12B
Net Debt Issued / Repaid	-4.21B	-3.54B	-864M	5.52B	3.09B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	0.33	0.21	0.49	0.56	0.82
Return On Equity %	4.5	3.07	7.14	8.28	13
Return on Common Equity	3.22	2.05	6.39	7.68	12.35
Shareholders Value Added	-14.71B	-16.16B	-9.51B	-5.35B	1.69B
Margin Analysis
SG&A Margin	63.61	76.59	64.57	62.59	53.67
Net Interest Income / Total Revenues %	57.11	66.27	52.47	64.56	63.52
EBT Excl. Non-Recurring Items Margin %	38.8	23.71	38.62	39.4	47.57
Income From Continuing Operations Margin %	16.32	14.66	29.11	33	43.58
Net Income Margin %	13.84	12.57	27.57	31.74	41.76
Net Avail. For Common Margin %	11.19	9.37	24.97	29.34	39.81
Normalized Net Income Margin	21.77	12.73	22.6	23.37	27.91
Asset quality
Nonperforming Loans / Total Loans %	1.27	1.79	1.76	2.02	1.96
Nonperforming Loans / Total Assets %	0.5	0.65	0.64	0.66	0.64
Nonperforming Assets / Total Assets %	0.5	0.65	0.64	0.66	0.64
NPAs / Loans and OREO	1.27	1.79	1.76	2.02	1.96
NPAs / Equity	7.12	9.45	9.22	10.02	10.05
Allowance for Credit Losses / Net Charge-offs %	359.11	548.79	519.02	463.1	303.48
Allowance for Credit Losses / Nonperforming Loans %	63.81	75.02	59.95	58.68	57.3
Allowance for Credit Losses / Total Loans %	0.81	1.34	1.05	1.19	1.12
Net Charge-offs / Total Average Loans %	0.24	0.25	0.21	0.24	0.38
Provision for Loan Losses / Net Charge-offs %	113.14	332.97	-42.12	144.37	94.33
Earning Assets / IBL	117.67	120.2	121.63	122.16	115.42
Interest Income / Average Assets	-	1.42	1.2	1.82	3.3
Interest Expense / Average Assets	-	0.48	0.32	0.74	2.13
Net Interest Income / Average Assets	-	0.94	0.88	1.08	1.17
Non Interest Income / Average Assets	-	0.78	0.77	0.71	0.78
Non Interest Expense / Average Asset	-	1.08	1.03	1.01	0.97
Capital And Funding
Total Average Common Equity / Total Average Assets %