Our principal banking operations in Europe are HSBC Bank plc in the UK, HSBC France, HSBC Private Bank (Suisse) SA and HSBC Trinkaus & Burkhardt AG. Through these operations we provide a wide range of banking, treasury and financial services to personal, commercial and corporate customers across Europe. |
||||||
|
|
Half-year to |
||||
|
|
30 Jun |
|
30 Jun |
|
31 Dec |
|
|
2015 |
|
2014 |
|
2014 |
|
|
$m |
|
$m |
|
$m |
|
|
|
|
|
|
|
Net interest income |
|
5,115 |
|
5,244 |
|
5,367 |
Net fee income |
|
2,447 |
|
3,188 |
|
2,854 |
Net trading income |
|
1,913 |
|
982 |
|
1,552 |
Other income |
|
1,994 |
|
1,459 |
|
925 |
|
|
|
|
|
|
|
Net operating income15 |
|
11,469 |
|
10,873 |
|
10,698 |
|
|
|
|
|
|
|
LICs |
|
(288) |
|
(266) |
|
(498) |
|
|
|
|
|
|
|
Net operating income |
|
11,181 |
|
10,607 |
|
10,200 |
|
|
|
|
|
|
|
Total operating expenses |
|
(8,978) |
|
(8,352) |
|
(11,865) |
|
|
|
|
|
|
|
Operating profit/(loss) |
|
2,203 |
|
2,255 |
|
(1,665) |
|
|
|
|
|
|
|
Income from associates |
|
2 |
|
3 |
|
3 |
|
|
|
|
|
|
|
Profit/(loss) before tax |
|
2,205 |
|
2,258 |
|
(1,662) |
|
|
|
|
|
|
|
Loans and advances to customers (net) |
|
400,452 |
|
479,670 |
|
409,733 |
Customer accounts |
|
536,251 |
|
614,776 |
|
545,959 |
RoRWA |
|
1.2% |
|
1.2% |
|
(0.9)% |
Cost efficiency ratio |
|
78.3% |
|
76.8% |
|
110.9% |
Period-end staff numbers |
|
69,867 |
|
69,642 |
|
69,363 |
For footnote, see page 56.
Country view of adjusted revenue
|
|
Half-year to |
||||
|
|
30 Jun |
|
30 Jun |
|
31 Dec |
|
|
2015 |
|
2014 |
|
2014 |
|
|
$m |
|
$m |
|
$m |
|
|
|
|
|
|
|
UK |
|
7,707 |
|
7,655 |
|
7,363 |
France |
|
1,619 |
|
1,289 |
|
1,198 |
Germany |
|
417 |
|
405 |
|
384 |
Switzerland |
|
360 |
|
341 |
|
379 |
Other |
|
786 |
|
736 |
|
611 |
|
|
|
|
|
|
|
|
|
10,889 |
|
10,426 |
|
9,935 |
Profit before tax ($m)
|
Revenue ($m)
|
Operating expenses ($m)
|
|
|
For details of significant items, see page 50.