By Helgi Library - November 24, 2019
HSBC's non-performing loans reached 1.27% of total loans at the end of 2019-09-30, down from 1.40% compared to the previous year....
By Helgi Library - November 24, 2019
HSBC's capital adequacy ratio reached 20.2% at the end of third quarter of 2019, up from 20.1% when compared to the previous quar...
By Helgi Library - November 24, 2019
HSBC made a net profit of USD 3,477 mil under revenues of USD 13,355 mil in the third quarter of 2019, down 16.9% and 3.21% ...
Profit Statement | 2016 | 2017 | 2018 | |
Net Interest Income | USD mil | 29,908 | 28,282 | 30,564 |
Net Fee Income | USD mil | 15,669 | 15,853 | 16,044 |
Other Income | USD mil | 6,620 | 10,087 | 10,563 |
Total Revenues | USD mil | 52,197 | 54,222 | 57,171 |
Operating Profit | USD mil | 21,613 | 23,139 | 24,294 |
Provisions | USD mil | 3,400 | 1,769 | 1,767 |
Net Profit | USD mil | 2,479 | 10,798 | 13,727 |
Balance Sheet | 2016 | 2017 | 2018 | |
Interbank Loans | USD mil | 249,100 | 291,946 | 314,971 |
Customer Loans | USD mil | 861,504 | 962,964 | 981,696 |
Total Assets | USD mil | 2,375,000 | 2,521,800 | 2,558,100 |
Shareholders' Equity | USD mil | 182,578 | 197,871 | 194,249 |
Interbank Borrowing | USD mil | 302,588 | 384,285 | 306,646 |
Customer Deposits | USD mil | 1,272,400 | 1,364,500 | 1,362,600 |
Issued Debt Securities | USD mil | 86,899 | 84,372 | 107,779 |
Ratios | 2016 | 2017 | 2018 | |
ROE | % | 1.30 | 5.68 | 7.00 |
ROA | % | 0.104 | 0.441 | 0.540 |
Costs (As % Of Assets) | % | 1.28 | 1.27 | 1.29 |
Costs (As % Of Income) | % | 58.6 | 57.3 | 57.5 |
Capital Adequacy Ratio | % | 20.1 | 20.9 | 20.0 |
Net Interest Margin | % | 1.25 | 1.16 | 1.20 |
Loans (As % Of Deposits) | % | 67.7 | 70.6 | 72.0 |
NPLs (As % Of Loans) | % | 2.10 | 1.59 | 1.35 |
Provisions (As % Of NPLs) | % | 43.1 | 48.4 | 64.7 |
Valuation | 2016 | 2017 | 2018 | |
Price/Earnings (P/E) | 65.0 | 19.2 | 12.0 | |
Price/Book Value (P/BV) | 0.882 | 1.05 | 0.850 | |
Dividend Yield | % | 6.29 | 4.92 | 6.17 |
Earnings Per Share (EPS) | 0.125 | 0.538 | 0.687 | |
Book Value Per Share | 9.20 | 9.86 | 9.72 | |
Dividend Per Share | 0.511 | 0.508 | 0.510 |
Get all company financials in excel:
summary | Unit | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
income statement | |||||||||||||||||||||||||||||
Net Interest Income | USD mil | 37,893 | 35,861 | 35,016 | 32,654 | 29,908 | |||||||||||||||||||||||
Total Revenues | USD mil | 70,240 | 68,323 | 64,401 | 61,897 | 52,197 | |||||||||||||||||||||||
Operating Profit | USD mil | 33,092 | 31,528 | 26,572 | 25,715 | 21,613 | |||||||||||||||||||||||
Net Profit | USD mil | 14,027 | 16,204 | 13,688 | 13,522 | 2,479 | |||||||||||||||||||||||
balance sheet | |||||||||||||||||||||||||||||
Interbank Loans | USD mil | 152,546 | 211,521 | 273,862 | 236,656 | 249,100 | |||||||||||||||||||||||
Customer Loans | USD mil | 997,623 | 1,080,300 | 974,660 | 924,454 | 861,504 | |||||||||||||||||||||||
Debt Securities | USD mil | 886,237 | 792,767 | 776,371 | 706,054 | 718,533 | |||||||||||||||||||||||
Total Assets | USD mil | 2,692,500 | 2,671,300 | 2,634,100 | 2,409,700 | 2,375,000 | |||||||||||||||||||||||
Shareholders' Equity | USD mil | 183,129 | 190,459 | 199,978 | 197,518 | 182,578 | |||||||||||||||||||||||
Interbank Borrowing | USD mil | 411,992 | 336,237 | 375,430 | 276,385 | 302,588 | |||||||||||||||||||||||
Customer Deposits | USD mil | 1,340,000 | 1,482,800 | 1,350,600 | 1,289,600 | 1,272,400 | |||||||||||||||||||||||
Issued Debt Securities | USD mil | 148,940 | 133,056 | 122,611 | 111,651 | 86,899 | |||||||||||||||||||||||
ratios | |||||||||||||||||||||||||||||
ROE | % | 8.03 | 8.67 | 7.01 | 6.80 | 1.30 | |||||||||||||||||||||||
ROA | % | 0.535 | 0.604 | 0.516 | 0.536 | 0.104 | |||||||||||||||||||||||
Costs (As % Of Assets) | % | 1.42 | 1.37 | 1.43 | 1.43 | 1.28 | |||||||||||||||||||||||
Costs (As % Of Income) | % | 52.9 | 53.9 | 58.7 | 58.5 | 58.6 | |||||||||||||||||||||||
Capital Adequacy Ratio | % | 16.1 | 14.9 | 15.6 | 17.2 | 20.1 | |||||||||||||||||||||||
Net Interest Margin | % | 1.44 | 1.34 | 1.32 | 1.29 | 1.25 | |||||||||||||||||||||||
Interest Income (As % Of Revenues) | % | 53.9 | 52.5 | 54.4 | 52.8 | 57.3 | |||||||||||||||||||||||
Fee Income (As % Of Revenues) | % | 28.7 | 29.2 | 30.3 | 29.1 | 30.0 | |||||||||||||||||||||||
Equity (As % Of Assets) | % | 6.80 | 7.13 | 7.59 | 8.20 | 7.69 | |||||||||||||||||||||||
Loans (As % Of Deposits) | % | 74.4 | 72.9 | 72.2 | 71.7 | 67.7 | |||||||||||||||||||||||
Loans (As % Assets) | % | 37.1 | 40.4 | 37.0 | 38.4 | 36.3 | |||||||||||||||||||||||
NPLs (As % Of Loans) | % | ... | 3.81 | 3.33 | 2.97 | 2.54 | 2.10 | ||||||||||||||||||||||
Provisions (As % Of NPLs) | % | ... | 41.7 | 41.6 | 42.1 | 40.2 | 43.1 | ||||||||||||||||||||||
valuation | |||||||||||||||||||||||||||||
Market Capitalisation (End Of Period) | USD mil | ... | 194,126 | 206,628 | 182,235 | 155,520 | 161,104 | ||||||||||||||||||||||
Number Of Shares (Average) | mil | 18,271 | 18,654 | 19,056 | 19,517 | 19,845 | |||||||||||||||||||||||
Share Price (End Of Period) | ... | 10.6 | 11.1 | 9.56 | 7.97 | 8.12 | |||||||||||||||||||||||
Earnings Per Share (EPS) | 0.768 | 0.869 | 0.718 | 0.693 | 0.125 | ||||||||||||||||||||||||
Book Value Per Share | 10.0 | 10.2 | 10.5 | 10.1 | 9.20 | ||||||||||||||||||||||||
Dividend Per Share | 0.452 | 0.492 | 0.489 | 0.498 | 0.511 | ||||||||||||||||||||||||
Price/Earnings (P/E) | ... | 13.8 | 12.8 | 13.3 | 11.5 | 65.0 | |||||||||||||||||||||||
Price/Book Value (P/BV) | ... | 1.06 | 1.08 | 0.911 | 0.787 | 0.882 | |||||||||||||||||||||||
Dividend Yield | % | ... | 4.26 | 4.44 | 5.11 | 6.24 | 6.29 | ||||||||||||||||||||||
Earnings Per Share Growth | % | ... | -18.1 | 13.1 | -17.3 | -3.55 | -82.0 | ||||||||||||||||||||||
Book Value Per Share Growth | % | ... | 8.15 | 1.87 | 2.78 | -3.56 | -9.09 |
income statement | Unit | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
income statement | |||||||||||||||||||||||||||||
Interest Income | USD mil | 56,923 | 51,514 | 51,266 | 47,312 | 42,509 | |||||||||||||||||||||||
Interest Cost | USD mil | 19,030 | 15,653 | 16,250 | 14,658 | 12,601 | |||||||||||||||||||||||
Net Interest Income | USD mil | 37,893 | 35,861 | 35,016 | 32,654 | 29,908 | |||||||||||||||||||||||
Net Fee Income | USD mil | 20,149 | 19,973 | 19,545 | 18,016 | 15,669 | |||||||||||||||||||||||
Other Income | USD mil | 12,198 | 12,489 | 9,840 | 11,227 | 6,620 | |||||||||||||||||||||||
Total Revenues | USD mil | 70,240 | 68,323 | 64,401 | 61,897 | 52,197 | |||||||||||||||||||||||
Operating Cost | USD mil | 37,148 | 36,795 | 37,829 | 36,182 | 30,584 | |||||||||||||||||||||||
Operating Profit | USD mil | 33,092 | 31,528 | 26,572 | 25,715 | 21,613 | |||||||||||||||||||||||
Provisions | USD mil | 8,311 | 5,849 | 3,851 | 3,721 | 3,400 | |||||||||||||||||||||||
Extra and Other Cost | USD mil | 4,132 | 3,114 | 4,041 | 3,127 | 11,101 | |||||||||||||||||||||||
Pre-Tax Profit | USD mil | 20,649 | 22,565 | 18,680 | 18,867 | 7,112 | |||||||||||||||||||||||
Tax | USD mil | 5,315 | 4,765 | 3,975 | 3,771 | 3,666 | |||||||||||||||||||||||
Minorities | USD mil | 1,307 | 1,596 | 1,017 | 1,574 | 967 | |||||||||||||||||||||||
Net Profit | USD mil | 14,027 | 16,204 | 13,688 | 13,522 | 2,479 | |||||||||||||||||||||||
Dividends | USD mil | 8,261 | 9,176 | 9,320 | 9,710 | 10,134 | |||||||||||||||||||||||
growth rates | |||||||||||||||||||||||||||||
Net Interest Income Growth | % | ... | -7.15 | -5.36 | -2.36 | -6.75 | -8.41 | ||||||||||||||||||||||
Net Fee Income Growth | % | ... | -6.27 | -0.873 | -2.14 | -7.82 | -13.0 | ||||||||||||||||||||||
Total Revenue Growth | % | ... | -3.36 | -2.73 | -5.74 | -3.89 | -15.7 | ||||||||||||||||||||||
Operating Cost Growth | % | ... | -3.67 | -0.950 | 2.81 | -4.35 | -15.5 | ||||||||||||||||||||||
Operating Profit Growth | % | ... | -3.01 | -4.73 | -15.7 | -3.23 | -16.0 | ||||||||||||||||||||||
Pre-Tax Profit Growth | % | ... | -5.59 | 9.28 | -17.2 | 1.00 | -62.3 | ||||||||||||||||||||||
Net Profit Growth | % | ... | -16.5 | 15.5 | -15.5 | -1.21 | -81.7 |
balance sheet | Unit | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
balance sheet | |||||||||||||||||||||||||||||
Cash | USD mil | 148,835 | 172,620 | 134,884 | 104,702 | 133,012 | |||||||||||||||||||||||
Interbank Loans | USD mil | 152,546 | 211,521 | 273,862 | 236,656 | 249,100 | |||||||||||||||||||||||
Customer Loans | USD mil | 997,623 | 1,080,300 | 974,660 | 924,454 | 861,504 | |||||||||||||||||||||||
Mortgage Loans | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 301,862 | 299,875 | 286,524 | 274,511 | 249,778 | |||||
Consumer Loans | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 113,231 | 110,853 | 107,030 | 99,571 | 90,020 | |||||
Corporate Loans | USD mil | 594,751 | 682,003 | 591,374 | 559,927 | 529,556 | |||||||||||||||||||||||
Debt Securities | USD mil | 886,237 | 792,767 | 776,371 | 706,054 | 718,533 | |||||||||||||||||||||||
Fixed Assets | USD mil | 10,588 | 10,847 | 10,532 | 9,923 | 9,373 | |||||||||||||||||||||||
Total Assets | USD mil | 2,692,500 | 2,671,300 | 2,634,100 | 2,409,700 | 2,375,000 | |||||||||||||||||||||||
Shareholders' Equity | USD mil | 183,129 | 190,459 | 199,978 | 197,518 | 182,578 | |||||||||||||||||||||||
Of Which Minority Interest | USD mil | 5,159 | 5,900 | 7,104 | 6,981 | 6,932 | |||||||||||||||||||||||
Liabilities | USD mil | 2,509,370 | 2,480,840 | 2,434,120 | 2,212,180 | 2,192,420 | |||||||||||||||||||||||
Interbank Borrowing | USD mil | 411,992 | 336,237 | 375,430 | 276,385 | 302,588 | |||||||||||||||||||||||
Customer Deposits | USD mil | 1,340,000 | 1,482,800 | 1,350,600 | 1,289,600 | 1,272,400 | |||||||||||||||||||||||
Issued Debt Securities | USD mil | 148,940 | 133,056 | 122,611 | 111,651 | 86,899 | |||||||||||||||||||||||
Other Liabilities | USD mil | 608,439 | 528,748 | 585,481 | 534,546 | 530,535 | |||||||||||||||||||||||
asset quality | |||||||||||||||||||||||||||||
Non-Performing Loans | USD mil | ... | 38,671 | 36,428 | 29,283 | 23,758 | 18,228 | ||||||||||||||||||||||
Gross Loans | USD mil | 1,013,700 | 1,095,400 | 986,997 | 934,009 | 869,354 | |||||||||||||||||||||||
Provisions | USD mil | 8,311 | 5,849 | 3,851 | 3,721 | 3,400 | |||||||||||||||||||||||
growth rates | |||||||||||||||||||||||||||||
Customer Loan Growth | % | ... | 6.08 | 8.29 | -9.78 | -5.15 | -6.81 | ||||||||||||||||||||||
Retail Loan Growth | % | ... | 5.45 | -1.05 | -4.18 | -4.95 | -9.16 | ||||||||||||||||||||||
Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.21 | -0.658 | -4.45 | -4.19 | -9.01 | ||||
Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -1.25 | -2.10 | -3.45 | -6.97 | -9.59 | ||||
Corporate Loan Growth | % | ... | 6.39 | 14.7 | -13.3 | -5.32 | -5.42 | ||||||||||||||||||||||
Total Asset Growth | % | ... | 5.36 | -0.787 | -1.39 | -8.52 | -1.44 | ||||||||||||||||||||||
Shareholders' Equity Growth | % | ... | 10.3 | 4.00 | 5.00 | -1.23 | -7.56 | ||||||||||||||||||||||
Customer Deposit Growth | % | ... | 6.87 | 10.7 | -8.92 | -4.52 | -1.33 |
ratios | Unit | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
ratios | |||||||||||||||||||||||||||||
ROE | % | 8.03 | 8.67 | 7.01 | 6.80 | 1.30 | |||||||||||||||||||||||
ROA | % | 0.535 | 0.604 | 0.516 | 0.536 | 0.104 | |||||||||||||||||||||||
Costs (As % Of Assets) | % | 1.42 | 1.37 | 1.43 | 1.43 | 1.28 | |||||||||||||||||||||||
Costs (As % Of Income) | % | 52.9 | 53.9 | 58.7 | 58.5 | 58.6 | |||||||||||||||||||||||
Capital Adequacy Ratio | % | 16.1 | 14.9 | 15.6 | 17.2 | 20.1 | |||||||||||||||||||||||
Tier 1 Ratio | % | 13.4 | 12.0 | 12.5 | 13.9 | 16.1 | |||||||||||||||||||||||
Net Interest Margin | % | 1.44 | 1.34 | 1.32 | 1.29 | 1.25 | |||||||||||||||||||||||
Interest Spread | % | ... | 1.39 | 1.29 | 1.27 | 1.25 | 1.20 | ||||||||||||||||||||||
Asset Yield | % | 2.17 | 1.92 | 1.93 | 1.88 | 1.78 | |||||||||||||||||||||||
Cost Of Liabilities | % | ... | 0.777 | 0.627 | 0.661 | 0.631 | 0.572 | ||||||||||||||||||||||
Payout Ratio | % | 76.3 | 86.6 | 76.6 | 75.7 | 75.4 | |||||||||||||||||||||||
Interest Income (As % Of Revenues) | % | 53.9 | 52.5 | 54.4 | 52.8 | 57.3 | |||||||||||||||||||||||
Fee Income (As % Of Revenues) | % | 28.7 | 29.2 | 30.3 | 29.1 | 30.0 | |||||||||||||||||||||||
Other Income (As % Of Revenues) | % | 17.4 | 18.3 | 15.3 | 18.1 | 12.7 | |||||||||||||||||||||||
Equity (As % Of Assets) | % | 6.80 | 7.13 | 7.59 | 8.20 | 7.69 | |||||||||||||||||||||||
Loans (As % Of Deposits) | % | 74.4 | 72.9 | 72.2 | 71.7 | 67.7 | |||||||||||||||||||||||
Loans (As % Assets) | % | 37.1 | 40.4 | 37.0 | 38.4 | 36.3 | |||||||||||||||||||||||
NPLs (As % Of Loans) | % | ... | 3.81 | 3.33 | 2.97 | 2.54 | 2.10 | ||||||||||||||||||||||
Provisions (As % Of NPLs) | % | ... | 41.7 | 41.6 | 42.1 | 40.2 | 43.1 | ||||||||||||||||||||||
Provisions (As % Of Loans) | % | 1.62 | 1.40 | 1.27 | 1.03 | 0.911 | |||||||||||||||||||||||
Cost of Provisions (As % Of Loans) | % | 0.858 | 0.563 | 0.375 | 0.392 | 0.381 |
Get all company financials in excel:
By Helgi Library - December 22, 2019
HSBC stock traded at 7.85 per share at the end third quarter of 2019 implying a market capitalization of USD 155,542 mil. Since the end of 3Q2014, the stock has depreciated by -22.8 % implying an annual average growth of -5.05 %. In absolute terms, the value of the co...
By Helgi Library - December 22, 2019
HSBC stock traded at 7.85 per share at the end of third quarter of 2019 implying a market capitalization of USD 155,542 mil. Over the last five years, the stock has depreciated by 22.8 implying an annual average growth of -5.05% In absolute terms, the valu...
By Helgi Library - December 22, 2019
HSBC stock traded at 7.85 per share at the end of third quarter of 2019 implying a market capitalization of USD 155,542 mil. Over the last five years, the stock has depreciated by -22.8 % implying an annual average growth of -5.05 %. In absolute terms, the value of th...
By Helgi Library - November 24, 2019
HSBC generated total banking revenues of USD 13,355 mil in the third quarter of 2019, down 3.21% when compared to the same period of last year and 10.6% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee a...
By Helgi Library - November 24, 2019
HSBC's Equity reached 7.25% of total assets in the 3Q2019, down from 7.42% for the previous year. As a share of net customer loans, the ratio amounted to 19.4% at the end of the third quarter of 2019. ...
By Helgi Library - November 24, 2019
HSBC's customer loan growth reached 3.70% in 2019-09-30, down from 3.84% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 12.0% in 2018-03-31 and an all time low of -9.86% in 2015-09-30. In the last decade, ...
By Helgi Library - November 24, 2019
HSBC's non-performing loans reached 1.35% of total loans at the end of 2018, down from 1.59% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.54% in 1992 and an all time low of 1.35% in 2018. Provision coverage amounted t...
By Helgi Library - November 24, 2019
HSBC's capital adequacy ratio reached 20.0% at the end of 2018, down from 20.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 20.9% in 2017 and an all time low of 11.4% in 2008. The Tier 1 ratio amounted to ...
By Helgi Library - November 24, 2019
HSBC's net interest margin amounted to 1.20% in 2018, up from 1.16% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.88% in 2003 and an all time low of 1.16% in 2017. The average margin in the las...
By Helgi Library - November 24, 2019
HSBC's loans reached USD 990,321 mil in the 2018, up from USD 970,448 mil compared to the previous year. Historically, the bank’s loans reached an all time high of USD 1,095,400 mil in 2013 and an all time low of USD 869,354 mil in 2016. In the last dec...
HSBC has been growing its revenues and asset by -4.05% and 0.120% a year on average in the last 10 years. Its loans and deposits have grown by 0.511% and 1.91% a year during that time and loans to deposits ratio reached 72.0% at the end of 2018. The company achieved an average return on equity of 6.90% in the last decade with net profit growing 9.13% a year on average. In terms of operating efficiency, its cost to income ratio reached 57.5% in 2018, compared to 54.8% average in the last decade.
Equity represented 7.59% of total assets or 19.8% of loans at the end of 2018. HSBC's non-performing loans were 1.35% of total loans while provisions covered some 64.7% of NPLs at the end of 2018.
HSBC stock traded at 8.27 per share at the end of 2018 resulting in a market capitalization of USD 165,201 mil. Over the previous five years, stock price fell by 25.4% or 5.68% a year on average. That’s compared to an average ROE of 5.56% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 12.0x and price to book value (PBV) of 0.850x in 2018.