Hongkong and Shanghai Bank

Corporation Limited


(HSBC Bank)

HSBC Bank is owned by the HSBC Holdings PLC

which is a global financial services corporation
headquartered in London, United Kingdom.
As of 2010, it is both the world's largest banking
and financial services group and the world's 8th
largest company according to a composite
measure by Forbes magazine.
HSBC was founded as The Hongkong and
Shanghai Banking Corporation and Hong Kong
served as the bank's headquarters until 1992
when it moved to London as a condition of
completing the acquisition of Midland Bank and
as the handover of Hong Kong's sovereignty

 The HSBC bank has an

enormous operational
base area in Asia and
significant lending and
investment activities
around the world.
Through 91 offices
worldwide, HSBC offers
banking, investments
and trust and fiduciary
services.
HSBC is listed on the
London, Paris, Hongkong,
New York and Bermuda
Stock Exchanges

Technology at HSBC

The HSBC Group develops and

applies advanced technology
to the efficient and convenient
delivery of banking and
related financial services. In
India, the Group provides:
Self-Service Banking with over
150 in-branch and off-branch
ATMs and 24-hour Phone
Banking.
Trade and Corporate Banking
services with real-time access
to a centralised information
database
Instantaneous inter-city
transactions through online
connections between all
branches

 A state-of-the-art treasury dealing system

A sophisticated card system supporting
debit and credit cards, domestic and
international VISA, MasterCard, and cobranded cards
A dedicated acquiring system for both
MasterCard and Visa transactions
Online@hsbc, HSBC's internet banking
service, provides customers with an
integrated and secure platform to access
their accounts.
Internet Payment Gateway handles credit
card transactions on the internet

Smart Money Account

The intelligent way to grow your money

Higher interest rates

Open a SmartMoney Account with a minimum fixed deposit
of Rs. 25,000 and get high returns. We have special rates for
special tenors.

Free savings account

Get a free+ savings account, without having to maintain
any Average Quarterly Balance (AQB).

Upto 90% overdraft facility

You can withdraw up to 90% through an overdraft facility.
You can pay interest only on the amount overdrawn, while
you earn interest on 100% of your fixed deposit

 Anytime access
Access your Smart Money Account 24 hours a day
through our ATMs, Phone Banking, Internet Banking.
You also get your own personalised chequebook.

Free HSBC credit card

Make the most of your hard-earned money with money
saving features and value added benefits. The HSBC
International debit card# allows you to withdraw up to
Rs. 25,000 per day, with higher withdrawal limits for
PowerVantage and HSBC Premier customers.

Free online bill payment services

Make all your bill payments online and avoid the
hassles of physical payments. It's convenient and
quick.

No Frills Savings Account

Zero minimum balance requirement

You can access your account through any VISA

ATM in India with your HSBC debit card. One
FREE debit card will be available per account
Internet Banking and Phone Banking facility each
available at a nominal annual fee of Rs. 99 only
1 FREE branch transaction per month. This
transaction should be of the nature of cash
deposit only. Additional transactions (over and
above the 1 FREE transaction), will be charged a
fee of Rs. 50 per transaction
Keep track of your account with Free quarterly
statements. You also have an option to receive
E-Statements

HSBC Demat Account

Especially designed to give you the edge in the stock market

You can purchase, hold and sell shares in electronic form

Get your Holding statement every 3 months, showing
current portfolio of shares
Avail of an Overdraft up to Rs.20 lakhs available against
Demat shares through Asset Link#
As an NRI, you can easily dematerialise your portfolio of
shares in India with us*
If you already hold an HSBC Current/Savings account,
there be no account opening charges and no minimum
balance requirements for your Demat Account
You can save on transaction costs with quick transfers
Say goodbye to risk of loss, theft or mutilation of shares
Now, stop worrying about bad deliveries, forgeries and
duplicate share certificates

HSBC Corporate Employee Programme

Greater Choice
The Corporate Employee Programme offers a range of products and
services which include a choice of salary accounts, Wealth
Management Services, a Reimbursement account, special offers on
HSBC credit cards and preferential pricing across Home Loans.
Greater Financial Expertise
A dedicated Corporate Employee Programme Relationship Manager
will assist you in your banking and financial planning needs.
Greater Security
On HSBC's Internet Banking your financial information is protected
by a sophisticated combination of a unique Username and Password,
and a one-time Security Code generated by your Online Security
Device.
Greater Convenience
Get unlimited access to HSBC , Transfer funds with accounts
maintained with HSBC India, Pay Bills and do a lot more through the
24x7 Internet Banking and Automated Phone Banking Services.

HSBC Smart Home Loan

We understand buying a loan is a long term commitment

Save up to 50% on interest payments: With

every Smart Home, you get a current account. All
that is needed to be done is put the usual
savings, from other accounts, into the Smart
Home Account. Depending on the savings that is
put into the Smart Home Account, you can reduce
the quantum of interest paid by up to 50%.
Here's how Smart Home works to save
money: The home loan interest is calculated, on
the principal outstanding minus the savings
deposited in your Smart Home Account every
month, over and above the EMI.

HSBC Education Loans

We recognize that education is the greatest asset that anyone can
have

Loans upto 1 crore against Residential Property

Tenure of upto 15 years
Attractive interest rates
The tuition fees component can go up to 100% of the
total loan amount
The lodging & boarding component is a maximum of
40% of the total loan amount
The cost of books & equipment component is a
maximum of 10% of the total loan amount
The loan is disbursed in Indian rupees (INR) from where
the funds are forwarded to the concerned school in
U.S. dollars
The applicant / co-applicant must repay the loan in
Indian Rupees (INR)

Risk Management
Risk is inherent part of Banks business. Effective
Risk Management is critical to any Bank for
achieving financial soundness. In view of this,
aligning Risk Management to Banks organizational
structure and business strategy has become
integral in banking business. Over a period of year,
Hongkong and Shanghai Bank Corporation (HSBC)
has taken various initiatives for strengthening risk
management practices. Bank has an integrated
approach for management of risk and in tune with
this, formulated policy documents taking into
account the business requirements / best
international practices or as per the guidelines of
the national supervisor

Operational Risk Management

Operational Risk, which is intrinsic to the bank in all

its material products, activities, processes and
systems, is emerging as an important component of
the enterprise-wide risk management system. The
Bank has adopted a Comprehensive Operational Risk
Management Policy. This would entail the bank to
move towards enhanced level of sophistication in the
years ahead and to capture qualitative and
quantitative measures of Operational Risk indicators
in management of operational risk.

Bank has comprehensive system of internal controls,

systems and procedures to monitor and mitigate risk.
Bank has also institutionalized new product approval
process to identify the risk inherent in the new
product and activities.

Credit Risk Management

Credit risk is an investor's risk of loss arising from a
borrower who does not make payments as promised. Such
an event is called a default. Another term for credit risk is
default risk.
Investor losses include lost principal and interest,
decreased cash flow, and increased collection costs, which
arise in a number of circumstances:
a. A consumer does not make a payment due on a mortgage loan,
credit card, line of credit, or other loan
b. A business does not make a payment due on a mortgage, credit
card, line of credit, or other loan
c. A business or consumer does not pay a trade invoice when due
Proactive credit risk management practices in the form of
studies of rating wise distribution, rating migration, probability
of defaults of borrowers, Portfolio Analysis of retail lending
assets, periodic industry review, Review of Country, Currency
re only some of the prudent measures, the bank is engaged in
mitigating risk exposures

Corporate Sustainability
At HSBC India, sustainability
means managing our
business responsibly and
sensitively, and ensuring we
include social, economic and
environmental factors in the
decisions we make to ensure
long-term business success.
We believe it is our duty to
our customers, investors
and employees to foster an
ethical, responsible and
sustainable corporate
philosophy. Our goal is to be
one of the worlds leading
brands in corporate
sustainability.

 Education
HSBC partners with nongovernmental organisations
across the country, which works with children from
underprivileged communities. Our project support
helps children go to school, learn in a joyful
environment and learn to live a healthy life. We also
work with young adults to provide vocational
training and life skills so that they are able to help
themselves lead a productive life.

 Future First - Investing in our

Children
Launched in November 2006,
Future First is a 5year, US$ 10
million initiative of the HSBC
Global Education Trust to provide
education and life skills training
to street children, orphans and
children in care in countries
where HSBC has a presence. The
programme aims to deliver a
lasting impact in the lives of
these children by offering
support to local notforprofit
organisations working directly
with underprivileged children
and SOS Childrens Villages the
worlds largest charity for
orphans

HSBC Ecosystem Conservation

HSBC India Bird Races: A dawn to dusk event
where employees, customers and bird enthusiasts
assess bird biodiversity and report findings. Now in
10 cities where bank has a presence
Conservation of Olive Ridley Turtles in the coastal
areas of Orissa
Conservation of the endangered Dugong (Sea
cow) in the Andaman and Nicobar Islands in
partnership with Reef Watch
Kids for Rhino programme launched in Kaziranga
National Park
Founding partner for Mangrove Wetland Centre,
Mumbai in partnership with the Conservation Action
Trust

HSBC Climate Change

Weather is changing everywhere and repercussions
are visible globally. From around the world, there is an
increasing report of drought, rising sea levels, eroding
coastlines, melting glaciers, dry rivers and complete
breakdown of the ecosystem and human sustenance.
HSBC's recent initiatives to address climate change
issues include:
Launch of Earth Sciences Forum the first ever Public
Private Partnership between HSBC and the Ministry of
Science and Technology and Ministry of Earth Sciences,
Government of India to find solutions to climate change.
Launch of the HSBC Climate Partnership in collaboration
with WWF, The Climate Group, Earth watch Institute and
Smithsonian Tropical Research Institute.

Sponsorships by HSBC
Having sponsored the Jaguar Racing Formula One
team since the days of Stewart Grand Prix, HSBC
ended its relationship with the sport when Red
Bull purchased Jaguar Racing from Ford. HSBC
has now switched its focus to golf, taking title
sponsorship of events such as the HSBC World
Match Play Championship