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Investor Presentaiton

Hong Kong strategic priorities Capturing the connectivity Leading RMB international bank Developing opportunities arising from increased China wealth • Tapping into mainland Chinese enterprises "going out" Capturing business arising from HK and international companies "going into China" • Leveraging HK's strategic position as the leading offshore RMB centre • Capturing market share from increasing RMB trade settlement and capital flows • Capitalising on rising cross-border business opportunities Maintaining market leadership PBT, 1H12 (USDm, reported) • Consolidating market leadership in total deposits, Mandatory Provident Fund, Mortgages, Credit cards, HKD and offshore RMB bonds and FX Maintaining scale in other strategic businesses Notes: 1 Before loan impairment charges and other credit risk provisions 2 Profit before tax basis Reported 2011 1H 11 1H 12 Net operating income¹ (USDbn) 10.7 5.4 6.1 RBWM (1,753) ■CMB (1,001) Profit before tax (USDbn) 5.8 3.1 3.8 GBM (786) GPB (122) Other (99) Cost efficiency ratio (%) 44.5 43.2 39.1 Total: 3,761 Return on risk-weighted assets² (%) 5.3 5.6 7.1 11
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