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5 HSBC 拷貝
5 HSBC 拷貝
Source: Bloomberg
FY 2016 FY 2017 FY 2018 FY 2019 Current FY 2020 Est FY 2021 Est
12/31/2016 12/31/2017 12/31/2018 12/31/2019 10/11/2020 12/31/2020 12/31/2021
115.85 21.61 13.09 26.17 18.70 10.22
11.12 129.82 19.41 12.76
114.69 146.33 22.88 26.04
9.08 21.32 13.13 11.32
Source: Bloomberg
FY 2016 FY 2017 FY 2018 FY 2019 Last 12M FY 2020 Est FY 2021 Est
12/31/2016 12/31/2017 12/31/2018 12/31/2019 06/30/2020 12/31/2020 12/31/2021
394,780.67 424,601.64 448,340.97 466,300.62 390,600.06 388,082.73 383,998.85
100.00 100.00 100.00 100.00 100.00 100.00 100.00
232,158.17 220,393.55 239,547.82 238,674.09 231,739.51
47.13 42.02 40.05 36.37 71.10
329,972.30 320,288.36 389,402.36 428,543.08
83.58 75.43 86.85 91.90
329,234.87 319,462.33 388,814.54 428,543.08
66.99 61.07 65.10 65.31
737.43 826.03 587.82 0.00
0.19 0.19 0.13 0.00
97,814.13 99,894.81 149,854.54 189,868.99
19.86 19.05 25.05 28.94
162,622.50 204,208.08 208,793.15 227,626.54 158,974.77
41.19 48.09 46.57 48.82 40.70
63,426.65 97,931.04 69,433.13 117,104.03 52,302.42
16.07 23.06 15.49 25.11 13.39
52,675.72 88,969.42 67,724.53 114,479.26
13.34 20.95 15.11 24.55
10,750.94 8,961.62 1,708.59 2,624.77
2.72 2.11 0.38 0.56
0.00 0.00 0.00 0.00 -11,721.75
0.00 0.00 0.00 0.00 -3.00
121,629.21 123,537.90 125,746.14 120,966.75 92,170.45
30.81 29.10 28.05 25.94 23.60
-22,433.37 -17,260.86 13,613.88 -10,444.24 14,606.97
-5.68 -4.07 3.04 -2.24 3.74
26,392.20 13,785.31 13,849.01 21,593.65 66,050.94
6.69 3.25 3.09 4.63 16.91
368,388.47 410,816.33 434,491.96 444,706.97 324,869.32
93.31 96.75 96.91 95.37 83.17
331,454.92 295,546.49 298,478.59 358,575.26 299,060.97
67.29 56.35 49.90 54.65 54.80
22,448.89 23,705.44 26,835.88 26,764.84
5.69 5.58 5.99 5.74
309,006.03 271,841.05 271,642.71 331,810.42 299,060.97
78.27 64.02 60.59 71.16 76.56
36,933.55 115,269.83 136,013.38 86,131.71 25,488.15 83,506.25 104,594.97
7.50 21.98 22.74 13.13 5.69 21.52 27.24
-18,272.71 -18,507.70 -19,876.10 -18,443.92 -15,496.27
-4.63 -4.36 -4.43 -3.96 -3.97
-18,272.71 -18,507.70 -19,876.10 -18,443.92 -15,496.27
-4.63 -4.36 -4.43 -3.96 -3.97
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
55,206.26 133,777.53 155,889.48 104,575.64 40,983.70 72,877.99 110,437.93
13.98 31.51 34.77 22.43 10.49 18.78 28.76
28,457.00 41,207.87 38,129.83 36,347.22 26,205.25
5.78 7.86 6.37 5.54 4.87
28,480.28 33,228.13 32,878.65 29,522.81
7.21 7.83 7.33 6.33
-23.29 7,979.74 5,251.18 6,824.41
-0.01 1.88 1.17 1.46
26,749.27 92,569.66 117,759.65 68,228.41 14,778.45 24,750.11 51,762.73
6.78 21.80 26.27 14.63 6.36 6.38 13.48
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
26,749.27 92,569.66 117,759.65 68,228.41 14,673.51
6.78 21.80 26.27 14.63 3.76
7,506.25 8,423.92 10,173.18 10,381.56 8,496.05
1.52 1.61 1.70 1.58 2.33
19,243.02 84,145.73 107,586.47 57,846.85 6,282.40 24,750.11 51,762.73
4.87 19.82 24.00 12.41 1.61 6.38 13.48
698.62 701.34 705.38 705.16 701.51
8,461.03 7,987.53 8,064.87 10,373.73 9,953.63
10,083.37 75,456.86 98,816.22 46,767.96 -4,372.74 24,750.11 51,762.73
Source: Bloomberg
FY 2016 FY 2017 FY 2018 FY 2019 Last 12M FY 2020 Est FY 2021 Est
12/31/2016 12/31/2017 12/31/2018 12/31/2019 06/30/2020 12/31/2020 12/31/2021
394,780.67 424,601.64 448,340.97 466,300.62 390,600.06 388,082.73 383,998.85
58.81 51.91 53.43 51.18 59.33
83.58 75.43 86.85 91.90
83.40 75.24 86.72 91.90
0.19 0.19 0.13 0.00
24.78 23.53 33.42 40.72
41.19 48.09 46.57 48.82 40.70
16.07 23.06 15.49 25.11 13.39
13.34 20.95 15.11 24.55
2.72 2.11 0.38 0.56
0.00 0.00 0.00 0.00 -3.00
30.81 29.10 28.05 25.94 23.60
-5.68 -4.07 3.04 -2.24 3.74
6.69 3.25 3.09 4.63 16.91
93.31 96.75 96.91 95.37 83.17
83.96 69.61 66.57 76.90 76.56
5.69 5.58 5.99 5.74
78.27 64.02 60.59 71.16 76.56
9.36 27.15 30.34 18.47 6.53 21.52 27.24
-4.63 -4.36 -4.43 -3.96 -3.97
-4.63 -4.36 -4.43 -3.96 -3.97
0.00 0.00 0.00 0.00 0.00
13.98 31.51 34.77 22.43 10.49 18.78 28.76
7.21 9.71 8.50 7.79 6.71
7.21 7.83 7.33 6.33
-0.01 1.88 1.17 1.46
6.78 21.80 26.27 14.63 3.78 6.38 13.48
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
6.78 21.80 26.27 14.63 3.76
1.90 1.98 2.27 2.23 2.18
4.87 19.82 24.00 12.41 1.61 6.38 13.48
0.18 0.17 0.16 0.15 0.18
2.14 1.88 1.80 2.22 2.55
2.55 17.77 22.04 10.03 -1.12 6.38 13.48
17.89 7.60 2.48 13.04 19.30
0.00 0.00 0.00 0.00 0.00
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
125,495.25 — 295,402.81 — — — —
— — — — — — —
— — — — — — —
7,055.96 11,816.94 13,640.18 12,584.58 15,483.98 20,512.53 26,288.55
22,726.39 — — — — — —
— 833,016.98 623,108.04 689,771.44 1,015,614.62 1,299,236.66 1,093,167.48
807,015.50 743,963.44 689,363.64 511,098.32 504,252.72 668,415.61 814,399.81
19,236,084.51 18,874,240.98 17,144,290.71 16,999,712.39 18,155,003.97 18,514,341.78 19,648,132.37
431,585.64 628,674.13 220,251.71 564,552.34 624,141.89 1,044,271.41 1,226,481.74
1,605,230.45 1,477,676.23 1,097,522.66 1,191,704.64 1,440,283.44 661,280.48 647,827.76
2,126,743.28 2,641,513.36 2,178,328.36 2,169,688.54 1,693,870.70 1,612,140.89 1,865,490.03
224,674.11 206,749.99 175,942.77 162,707.84 154,886.66 175,731.07 191,614.32
575,184.64 572,710.81 542,026.49 583,659.31 669,256.30 683,986.03 758,971.86
40,451.57 38,753.99 43,028.56 37,009.36 31,335.14 22,870.02 26,467.70
1,001,884.01 600,353.46 421,380.69 464,761.01 546,251.64 441,195.66 459,734.16
53,578.76 46,445.86 43,695.06 46,345.06 53,514.26 44,181.44 37,520.58
21,741.66 — 285,513.68 21,633.38 — — —
4,706.56 9,405.48 6,068.33 5,575.05 7,249.81 5,623.52 16,746.78
690,739.52 590,482.75 514,668.64 673,286.64 737,707.68 1,163,120.86 1,281,058.57
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
20,712,865.51 20,424,850.39 18,675,074.97 18,415,403.95 19,700,831.58 20,035,738.79 21,148,861.96
Source: Bloomberg
FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 Last 12M
12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 06/30/2020
— — — — — 15,150.04 82,417.86
— — — 13,529.88 -615.62 0.00 -7,278.85
— — — 4,145.13 3,896.36 3,526.91 3,745.20
— — 83,456.87 38,850.86 11,541.01 57,755.13 -17,997.32
-7,461.86 -5,280.96 -5,147.73 -5,635.51 -5,338.01 -2,602.08 -4,176.13
— — — 349,634.49 -941,804.10 -304,254.88 -610,600.43
— — — 137,208.37 968,112.31 -26,898.58 958,668.77
348,869.13 -165,733.61 -8,698.43 535,288.05 -81,652.06 254,838.94 233,040.62
— — — 34,115.79 -84,948.38 163,452.75 -148,162.53
— — — 31,748.26 20,284.44 17,869.68 23,599.45
-11,309.14 -14,951.08 -15,001.30 -9,431.33 -8,977.21 -987.54 -3,126.22
34,741.86 190,540.92 141,934.83 119,261.67 -165,899.10 -29,328.23 -29,319.10
— — — — — — 57,580.46
5,383.09 5,870.31 6,814.55 5,348.30 5,766.61 7,132.20 4,959.64
— — 510,338.96 — — — —
— — -827,684.39 — — — —
175,027.95 144,857.94 146,268.54 55,206.26 133,777.53 155,889.48 104,575.64
— — — -93,358.51 -85,423.74 -111,074.19 -214,557.52
— — — 19,266.30 7,145.92 15,236.26 18,984.55
-18,034.12 -19,634.92 -19,815.68 -18,272.71 -18,507.70 -19,876.10 -18,443.92
— — — 15,571.40 14,510.03 15,150.04 24,837.40
— — — -178,799.36 -10,668.23 147,393.54 150,967.51
Margins
Operating Margin OPER_MARGIN 22.94 24.29 23.72
Growth (YoY) OPER_MARGIN 202.77 5.86 -2.32
Incremental Operating Margin INCREMENTAL_ 537.19 45.31 -33.19
Growth (YoY) INCREMENTAL_ — -91.56 —
Pretax Margin PRETAX_MARGI 26.44 28.55 28.66
Growth (YoY) PRETAX_MARGI 161.12 7.98 0.39
Income before XO Margin INC_BEF_XO_I 19.71 23.42 21.28
Growth (YoY) INC_BEF_XO_I 105.85 18.84 -9.13
Net Income Margin PROF_MARGIN 18.27 21.92 19.47
Growth (YoY) PROF_MARGIN 119.01 19.97 -11.20
Net Income to Common Margin NET_INCOME_T 17.70 21.18 18.67
Growth (YoY) NET_INCOME_T 122.39 19.63 -11.82
Additional
Effective Tax Rate EFF_TAX_RATE 25.46 17.96 25.74
Growth (YoY) EFF_TAX_RATE 368.05 -29.45 43.32
Dvd Payout Ratio DVD_PAYOUT_R 49.65 45.14 61.40
Growth (YoY) DVD_PAYOUT_R -53.17 -9.09 36.02
Sustainable Growth Rate SUSTAIN_GROW 4.65 5.81 3.11
Growth (YoY) SUSTAIN_GROW — 24.92 -46.47
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
5 Year Growth
Revenue GEO_GROW_NE 0.33 -2.21 -7.96
Growth (YoY) GEO_GROW_NE -92.46 — -260.25
Operating Income GEO_GROW_OP -4.06 -2.61 -5.52
Growth (YoY) GEO_GROW_OP 81.78 35.65 -111.57
Net Income to Common NET_INCOME_ -3.28 0.66 -6.71
Growth (YoY) NET_INCOME_ 78.83 — —
EPS Diluted 5Y_GEO_GROWT -9.35 -5.56 -12.23
Growth (YoY) 5Y_GEO_GROWT 52.57 40.56 -119.93
EPS Diluted before XO 5Y_GEO_GROWT -9.35 -5.56 -12.23
Growth (YoY) 5Y_GEO_GROWT 52.52 40.56 -119.93
EPS Diluted before Abnormal GEO_GROW_DIL -10.02 -6.39 -8.64
Growth (YoY) GEO_GROW_DIL -6.59 36.25 -35.32
Dividend per Share GEO_GROW_DV -10.76 -9.15 -9.91
Growth (YoY) GEO_GROW_DV -17.77 15.02 -8.33
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
— — — — — 50,622.93 -69,458.53
— — — — — 12,869.31 -42,074.71
-3,499,801.69 -2,560,384.30 684,186.58 — — — —
0.00 — 23.26 — — — —
0.00 — 0.70 — — — —
21,059.32 — — — — — —
HSBC Holdings PLC (5 HK) - Benchmark
In Millions of HKD except Per Share CY 2010 CY 2011 CY 2012
12 Months Ending 12/31/2010 12/30/2011 12/31/2012
Return on Common Equity RETURN_COM_ — — 8.06
FTSE All-Share Banks Index RETURN_COM_ 7.57 6.61 3.86
Return on Capital RETURN_ON_C — — 2.12
FTSE All-Share Banks Index RETURN_ON_CA 1.35 1.36 0.96
Operating Margin OPER_MARGIN — — 23.72
FTSE All-Share Banks Index OPER_MARGIN 16.76 20.72 14.69
Price/EPS PE_RATIO — — 14.20
FTSE All-Share Banks Index PE_RATIO 16.67 10.79 34.37
Price/Book PX_TO_BOOK_R — — 1.11
FTSE All-Share Banks Index PX_TO_BOOK_R 1.06 0.71 0.96
Price/Net Tangible Assets per Share PX_TO_TANG_B — — 1.34
FTSE All-Share Banks Index PX_TO_TANG_B 1.30 0.85 1.14
Price/Sales PX_TO_SALES_ — — 2.09
FTSE All-Share Banks Index PX_TO_SALES_ 1.99 1.53 2.11
Source: Bloomberg
CY 2013 CY 2014 CY 2015 CY 2016 CY 2017 CY 2018 CY 2019
12/31/2013 12/31/2014 12/31/2015 12/30/2016 12/29/2017 12/31/2018 12/31/2019
8.75 7.27 6.84 0.71 5.64 7.60 3.65
4.41 4.90 2.61 0.90 3.56 5.76 4.52
2.54 2.17 2.35 0.60 1.92 2.36 1.44
1.11 1.36 0.86 0.53 1.22 1.79 1.44
29.68 24.91 25.84 9.36 27.15 30.34 18.47
19.88 17.51 11.05 11.52 18.93 26.60 20.71
13.06 13.74 12.15 115.85 21.61 13.09 26.17
22.65 19.28 32.05 168.73 21.71 14.06 18.67
1.14 1.02 0.83 0.92 1.23 1.01 0.98
1.09 0.90 0.82 0.84 0.96 0.81 0.86
1.36 1.20 0.95 1.05 1.43 1.18 1.12
1.28 1.04 0.94 0.95 1.10 0.94 0.99
2.43 2.22 1.97 2.52 3.08 2.15 1.89
2.48 2.25 2.25 2.65 2.90 2.28 2.32
HSBC Holdings PLC (5 HK) - Contractual Obligations
In Millions of HKD except Per Share FY 2010 FY 2011 FY 2012
12 Months Ending 12/31/2010 12/31/2011 12/31/2012
Debt Schedule
Net Debt NET_DEBT 2,474,463.11 1,712,814.90 2,011,753.85
Lines of Credit
Commercial Paper
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
457.47 — — — — — —
1,023.50 — — — — — —
1,434.45 — — — — — —
2,915.43 — — 0.00 0.00 0.00 0.00
961.47 — — — — — —
— — — 0.00 0.00 0.00 0.00
— — — 0.00 0.00 0.00 0.00
1,953.96 519.51 286.75 0.00 0.00 0.00 0.00
7,528.94 — — — — — —
19,485.30 — — — — — —
15,600.65 — — — — — —
— — — — — — —
— — — — — — —
42,614.88 41,653.95 41,331.28 30,185.93 30,858.59 26,903.61 0.00
HSBC Holdings PLC (5 HK) - CAPEX & Depreciation
In Millions of HKD except Per Share FY 2010 FY 2011 FY 2012
12 Months Ending 12/31/2010 12/31/2011 12/31/2012
Depreciation Expenses IS_DEPR_EXP 13,308.01 12,221.37 11,511.44
Depr Exp / Net Sales DEPR_EXP_TO_ 1.88 1.59 1.63
Capital Expenditures CF_CAP_EXPEN -19,678.45 -11,715.39 -10,223.77
CAPEX/Sales CAP_EXPEND_T 2.79 1.52 1.45
CAPEX/Total Assets CAP_EXPEND_T 0.11 0.06 0.05
Total Capital Expenditures - 1 Yr Growth TOT_CAP_EXP 26.65 -40.58 -12.43
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
10,580.02 10,717.01 9,838.06 6,031.39 5,423.73 8,770.25 23,599.45
1.63 1.70 1.63 1.22 1.03 1.47 3.60
-15,140.91 -11,453.70 -10,481.53 -8,934.53 -9,094.10 -9,373.75 -10,522.60
2.33 1.82 1.74 1.81 1.73 1.57 1.60
0.07 0.06 0.05 0.05 0.05 0.05 0.05
48.10 -24.33 -8.46 -14.87 1.39 2.49 12.29
HSBC Holdings PLC (5 HK) - Overview
In Millions of HKD except Per Share FY 2013 FY 2014 FY 2015
12 Months Ending 12/31/2013 12/31/2014 12/31/2015
Accounting Standard ACCOUNTING_S IAS/IFRS IAS/IFRS IAS/IFRS
Number of Employees NUM_OF_EMPL 268,795.00 257,600.00 264,000.00
Balance Sheet
Assets
Total Assets ARD_TOT_ASSE19,079,806.66 19,848,159.86 20,869,592.78
Liabilities
Total Liabilities ARD_TOT_LIABIL17,875,683.35 18,558,181.97 19,450,178.22
Stockholder Equity
Total Shareholders Equity ARD_TOTAL_SH 1,147,786.06 1,289,977.89 1,419,414.57
Total Liabilities and Shareholders EquitARD_TOT_LIAB 19,079,806.66 19,848,159.86 20,869,592.78
Cash Flows
Cash From Operating Activities
Total Cash Flows From Operations ARD_TOT_CASH 433,050.21 620,892.13 -71,023.40
Cash From Investing Activities
Total Cash Flows From Investing ARD_TOT_CASH -271,699.35 -77,305.98 43,850.51
Cash from Financing Activities
Total Cash Flows From Financing ARD_TOT_CASH 10,891.90 -78,512.55 -63,855.90
Net Change In Cash ARD_NET_CHAN 181,091.47 399,903.35 -78,664.08
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
-587,389.12 303,898.60 -767,608.65 203,175.44 638,241.47 -608,084.18 -187,797.61
-123,161.36 -80,989.49 -84,941.10 -191,924.53 -19,741.68 183,328.31 166,501.94
1,107,227.13 -1,024,832.96 -473,190.11 -133,367.08 719,325.33 -14,246.77 595,655.70
-612,302.08 449,167.92 -395,913.86 -31,248.22 -305,187.50 755,031.91 666,662.05
-221,370.99 -362,091.62 -1,720,700.45 -152,984.45 1,027,254.95 313,092.20 1,235,437.22
134.54 125.60 98.90 56.91 89.58 109.96 101.01
Environmental
Environmental Disclosure Score ENVIRON_DISC 40.18 39.29 43.75
Total CO2 Emissions TOTAL_CO2_EM 875.00 833.00 825.00
CO2 Intensity per Energy CO2_INTENSITY 0.49 0.49 0.52
Total GHG Emissions TOTAL_GHG_EM — — —
Social
Social Disclosure Score SOCIAL_DISCL 45.00 45.00 45.00
Number of Employees NUMBER_EMPL 295,061.00 288,316.00 270,000.00
Employee Turnover Pct EMPLOYEE_TUR 18.60 19.70 23.40
Pct Women in Workforce PCT_WOMEN_E 60.00 61.00 53.00
% Women in Mgt PCT_WOMEN_M 32.00 33.00 22.00
Governance
Governance Disclosure Score GOVNCE_DISCL 58.93 64.29 64.29
Size of the Board BOARD_SIZE 18.00 17.00 16.00
Indep Directors INDEPENDENT_ 12.00 14.00 13.00
% Indep Directors PCT_INDEPEND 66.67 82.35 81.25
Board Duration (Years) BOARD_DURATI — 1.00 1.00
# Board Meetings BOARD_MEETIN 9.00 7.00 8.00
Board Mtg Attendance BOARD_MEETIN 91.80 89.25 96.35
Political Donations POLITICAL_DON — — —
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
51.32 47.37 40.35 43.86 53.51 53.95 53.95
— — — — — — 1.00
0.00 — — — — — 0.00
— — — — 2.00 1.00 1.00
1,061.88 884.04 1,670.69 1,063.45 1,064.48 808.05 789.78
Disclosure
Percent of Disclosure PERCENT_OF_D 94.00 95.00 92.00
GRI Criteria Compliance GRI_COMPLIAN Yes Yes Yes
Global Reporting Initiatives Checked GRI_CHECKED No No No
Verification Type VERIFICATION_ Yes Yes Yes
Emissions
GHG Scope 1 GHG_SCOPE_1 — — —
GHG Scope 2 GHG_SCOPE_2 — — —
GHG Scope 2 Market-Based SCOPE_2_MKT_ — — —
Total GHG Emissions TOTAL_GHG_EM — — —
Total Market Based GHG Emissions TOT_MKT_BASE — — —
GHG Scope 3 GHG_SCOPE_3 142.00 158.00 138.00
Travel Emissions TRAVEL_EMISS 142.00 158.00 138.00
Energy
Total Energy Consumption ENERGY_CONS 1,789.00 1,690.00 1,588.00
Electricity Used ELECTRICITY_U 1,520.00 1,476.00 1,408.00
Water
Total Water Use TOTAL_WATER_ 4,770.00 4,773.00 3,977.00
Total Water Withdrawal TOTAL_WATER_ 4,770.00 4,773.00 3,977.00
Waste Management
Total Waste TOTAL_WASTE 66.00 61.00 53.00
Waste Recycled WASTE_RECYC 41.00 39.00 34.00
Waste Sent to Landfills WASTE_SENT_T — — 19.00
Material
Paper Consumption PAPER_CONSUM — — 40.00
Environmental Fines
Investments/Costs
Environmental Accounting Cost ENVIRONMENTA 334.06 210.18 —
Certified Sites
Number of Sites NUMBER_OF_SI — — —
Operational Policy
Renewable Electricity Target Policy RENEWABLE_EL n/a n/a n/a
Energy Efficiency Policy ENERGY_EFFIC Yes Yes Yes
Emissions Reduction Initiatives EMISSION_RED Yes Yes Yes
Environmental Supply Chain ManagementENVIRON_SUPP Yes Yes Yes
Environmental Quality Management PolicENVIRON_QUAL No No No
Green Building Policy GREEN_BUILDI No No Yes
Sustainable Packaging SUSTAIN_PACK No No No
Waste Reduction Policy WASTE_REDUCT Yes Yes Yes
Water Policy WATER_POLICY No No No
Biodiversity Policy BIODIVERSITY_ No No No
Climate Change Policy CLIMATE_CHG_ Yes Yes Yes
New Products - Climate Change CLIMATE_CHG_ Yes No No
Climate Change Opportunities Discussed CLIMATE_CHG_ No No No
Risks of Climate Change Discussed CLIMATE_RISKS No Yes Yes
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
43.75 41.07 31.25 33.93 48.21 46.43 46.43
— — — — — — —
— — — — 3,900.00 — —
Employees
Number of Employees NUMBER_EMPL 295,061.00 288,316.00 270,000.00
Number of Part-Time Employees NUMBER_OF_PA 25,174.00 24,734.00 22,680.00
Number of Temporary Employees NUMBER_OF_T 3,070.00 2,384.00 1,890.00
Employee Turnover Pct EMPLOYEE_TUR 18.60 19.70 23.40
Employee Diversity
Pct Women in Workforce PCT_WOMEN_E 60.00 61.00 53.00
Pct Women in Middle and or Other ManagPCT_WOMEN_IN — — —
% Women in Mgt PCT_WOMEN_M 32.00 33.00 22.00
Employee Training
Total Hours Spent by Firm - Employee TraTOT_HRS_SPEN — — —
Safety
Total Recordable Incident Rate - Employe TOTAL_RECORD — — 0.38
Supply Chain
Social Supply Chain Management SOCIAL_SUPPL No Yes Yes
Sustain Sup Guidelines Encomp ESG AreaSUS_SUP_GDL_ No Yes Yes
Policy
Anti-Bribery Ethics Policy ANTI-BRIBERY_ Yes Yes Yes
Business Ethics Policy ETHICS_POLICY No No No
Employee CSR Training EMPLOYEE_CSR Yes Yes Yes
Employee Protection / Whistle Blower PoliEMP_PROT_WHI No No No
Equal Opportunity Policy EQUAL_OPPORT Yes Yes Yes
Fair Remuneration Policy FAIR_REMUNER No No No
Health and Safety Policy HEALTH_SAFET Yes Yes Yes
Human Rights Policy HUMAN_RIGHTS No No No
Training Policy TRAINING_POLI Yes Yes Yes
Policy Against Child Labor POLICY_AGAINS n/a n/a No
Consumer Data Protection Policy CONSUMER_DAT n/a n/a n/a
Evaluates Advertising & Mktg for Gender BEVALUATE_AD_ n/a n/a n/a
Supplier Diversity Program HAS_SUPPLIER n/a n/a n/a
Products for Women's Health & Well-beingOFFERS_PROD n/a n/a n/a
Recruiting Women After Career Break RCRTNG_WMN_ n/a n/a n/a
Tracks Gender % of Clients TRACKS_GENDE n/a n/a n/a
Customer Satisfaction by Gender CUST_SATISFA n/a n/a n/a
Tracks Retention of Female Clients TRACKS_RETEN n/a n/a n/a
Resources for Female Clients ALLOCATED_RE n/a n/a n/a
Products for Women Owned Businesses OFFERS_FINL_ n/a n/a n/a
Tracks Repayment Rates by Gender TRACKS_REPAY n/a n/a n/a
External Financial Education Prgms for SPONSORS_FI n/a n/a n/a
External Health Education Prgms for WomSPONSORS_HE n/a n/a n/a
External STEM Education Programs for SPNSR_STEM_ n/a n/a n/a
Donates to Gender Equality OrganizationsDONATES_TO_G n/a n/a n/a
UN Women's Empowerment Principals SigUN_WOMN_EMP n/a n/a n/a
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
50.00 45.00 46.67 46.67 51.67 51.67 51.67
0.36 — — — — — —
— — — — — 91.78 —
— — — — — 57.67 —
— — — — — 40.00 —
— — — — — 75.00 —
— — — — — 52.17 —
— — — — — 60.00 —
— — — — — 72.73 —
— 23.00 — — — — —
— — — — — 49.00 —
— — — — — 51.81 —
— — — — — 50.07 —
— — — — — 51.13 —
— — — — — 86.49 —
— — — — — 85.97 —
n/a Yes n/a n/a Yes Yes n/a
— — — — — 46.94 —
— — — — 23.80 23.00 —
n/a Yes n/a n/a n/a No n/a
n/a n/a n/a n/a n/a Yes n/a
Board Structure
Size of the Board BOARD_SIZE 18.00 17.00 16.00
Unitary or Two Tier Board System UNITARY_OR_T — 1.00 1.00
# Employee Representatives on Board NUM_EMP_REPR — 0.00 0.00
Classified Board System CLASSIFIED_B n/a No No
Board Independence
# Non Exec Dir on Board NUM_OF_NONEX — 14.00 13.00
% Non Exec Dir on Board PCT_OF_NON_E — 82.35 81.25
# Independent Directors INDEPENDENT_ 12.00 14.00 13.00
% Independent Directors PCT_INDEPEND 66.67 82.35 81.25
CEO Duality CEO_DUALITY No No No
Independent Chairperson INDEPENDENT_ No No No
Independent Lead Director INDEPENDENT_ n/a Yes Yes
Presiding Director PRESIDING_DI n/a No No
Former CEO or its Equivalent on Board FORMER_CEO_O n/a Yes No
Board Meetings
# Board Meetings BOARD_MEETIN 9.00 7.00 8.00
Board Meeting Attendance % BOARD_MEETIN 91.80 89.25 96.35
Independent Directors Board Meeting Att IND_DIRECTOR 88.79 88.59 96.05
# Dir Attending Less than 75% of Mtgs NUM_DIR_ATTE — 0.00 0.00
Audit Committee
Size of Audit Committee SIZE_OF_AUDIT — 4.00 4.00
# Independent Dir on Audit Cmte NUM_IND_DIR_ — 4.00 4.00
% Independent Dir on Audit Cmte PCT_IND_DIRE — 100.00 100.00
Independent Audit Committee Chairperso IND_AUDIT_CO n/a Yes Yes
# Non Exec Dir on Audit Cmte NUM_OF_NON_E — 4.00 4.00
Audit Committee Meetings AUDIT_COMMIT 6.00 7.00 5.00
Audit Committee Meeting Attendance Per AUDIT_COMMIT — 82.14 100.00
Compensation Committee
Size of Compensation Committee SIZE_OF_COMP — 4.00 3.00
# Independent Dir on Comp Cmte NUM_IND_DIR_ — 4.00 3.00
% Independent Dir on Comp Cmte PCT_IND_DIRE — 100.00 100.00
Independent Compensation Committee ChIND_COMP_CMT n/a Yes Yes
# Non Exec Dir on Comp Cmte NUM_OF_N_EXE — 4.00 3.00
# Comp Committee Meetings NUM_COMPENS — 9.00 8.00
Compensation Committee Meeting Attend COMPENSATION — 94.44 95.83
Outside Compensation Advisors Appointe OUTSIDE_COMP n/a No No
Executive Compensation Consultant SrvcsEXEC_COM_CON — — —
Executive Comp Advisory Fees Pd to ComEXEC_COMP_AD — — —
Nomination Committee
Size of Nomination Committee SIZE_OF_NOMI — 5.00 4.00
# Independent Dir on Nom Cmte NUM_IND_DIR_ — 5.00 4.00
Pct of Ind Directors on Nomination CommiPCT_OF_IND_D — 100.00 100.00
Independent Nomination Committee ChairIND_NOMINATI n/a Yes Yes
# Non Exec Dir on Nom Cmte NUM_OF_NON_E — 5.00 4.00
# Nom Cmte Meetings NUM_OF_NOMIN — 4.00 4.00
Nomination Committee Meeting AttendancNOMINATION_C — 95.00 93.75
Shareholder Rights
Director Compensation
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
67.86 62.50 51.79 60.71 66.07 71.43 71.43
No No No No No No No
No No No No No No No
No No No Yes Yes Yes Yes
No No No No No No No
Yes Yes Yes Yes Yes Yes Yes
No No No No No No No
— — — — — — 0.00
No No No No No No No
CEO
CEO Duality CEO_DUALITY No No No
Total Compensation Paid TOT_COMP_AW_ 58.11 82.43 92.62
Total Salaries and Bonuses Paid TOT_SAL_&_BN 47.89 72.53 39.35
Total Salaries Paid TOT_SALARIES_ 13.98 15.61 15.37
Total Bonuses Paid TOT_BONUSES_ 33.91 56.92 23.98
All Other Compensation Paid ALL_OTHER_CO 10.22 9.90 53.28
Stock Awards Granted TOT_STK_AWD_ — — 36.89
Pension & Nonqual Defined Pension T_PEN_&_NQ_D — — 7.68
Total Other Compensation Paid TOT_OTHER_CO — — 8.69
# of CEO and Equiv Changes in FY NUM_CEO_&_EQ 1.00 1.00 0.00
Date of Last CEO and Equiv Change COMP_LKD_LAS 12/31/2010 01/01/2011 01/01/2011
# CEO and Equiv Included in Comp NUM_CEOS_&_E 1.00 1.00 1.00
CEO Tenure at Fiscal Year End CEO_TENURE_A 4.67 1.00 2.00
Other C-Suite
Total Comp Paid to CFO and Equiv TOT_COMP_AW_ 38.86 23.38 47.79
Board Compensation
Total Compensation Paid TOTAL_BOD_C 26.38 39.79 45.03
Fees Paid in Cash TOTAL_BOD_FE 26.38 39.79 42.84
Stock Awards Granted TOTAL_BOD_ST — — —
# of Board Changes in Fiscal Year NUMBER_OF_BO 1.00 1.00 6.00
Date of Last Board Change DATE_OF_LAST 12/01/2010 03/01/2011 12/31/2012
# Directors Included in Comp NUM_DIR_INC_ 12.00 13.00 17.00
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
No No No No No No No
97.50 97.33 86.97 59.71 61.12 72.92 49.01
37.42 54.17 47.76 48.87 50.99 66.72 44.91
15.17 37.69 34.95 13.15 29.63 30.33 29.34
22.25 16.48 12.81 35.72 21.36 36.38 15.57
60.08 43.17 39.21 10.84 10.13 6.21 4.10
44.51 26.98 23.33 0.00 — 0.00 0.00
7.59 7.98 7.41 3.95 3.77 3.76 1.84
7.99 8.20 8.47 6.61 6.37 2.45 2.26
0.00 0.00 0.00 0.00 0.00 1.00 2.00
01/01/2011 01/01/2011 07/01/2012 07/01/2012 01/01/2011 02/21/2018 08/08/2019
1.00 1.00 1.00 1.00 1.00 2.00 2.00
3.00 4.00 5.00 6.00 7.00 0.92 0.42
Carbon Dioxide
CO2 Intensity per Sales CO2_INTENSIT 1.24 1.08 1.17
CO2 Intensity per Energy CO2_INTENSITY 0.49 0.49 0.52
CO2 Intensity per Employee CO2_INTENSIT 2.97 2.89 3.06
CO2 Intensity per Assets CO2_INTENSIT 0.05 0.04 0.04
Travel Emissions per Sales TRAVEL_EMISS 0.20 0.21 0.20
Travel Emissions per Employee TRAVEL_CO2_P 0.48 0.55 0.51
Energy
Energy Intensity per Sales ENERGY_INTEN 2.53 2.19 2.25
Energy Intensity per Employee ENERGY_INTEN 6.06 5.86 5.88
Energy Intensity per Assets ENERGY_INTEN 0.09 0.09 0.08
Water
Water Intensity per Sales WATER_INTENS 6.75 6.20 5.63
Water Intensity per Energy WATER_INTENS 2,666.29 2,824.26 2,504.41
Water Intensity per Employee WATER_INTENS 16.17 16.55 14.73
Water Intensity per Assets WATER_INTENS 0.25 0.24 0.19
Waste
Waste Generated per Assets WASTE_GENERA 0.00 0.00 0.00
Waste Generated per Sales WASTE_GENERA 0.09 0.08 0.08
Other Environmental
Paper Consumption per Sales PAPER_CONSUM — — 0.06
Paper Consumption per Employee PAPER_CONSUM — — 0.15
Social
SRI Assets % Total AUM SRI_ASSETS_% — — —
Community Spend % PTP COMMUNITY_SP 0.57 0.44 0.58
Community Spend%Equity COMMUNITY_SP 0.07 0.06 0.07
Political Donations % PTP POL_DONATION — — —
Actual Net Income per Employee ACTUAL_NET_I 346,470.92 453,506.06 382,875.69
Actual Cash Flow per Employee CASH_FLOW_PE 1,785,908.96 2,068,195.00 -410,962.89
Actual Personnel Expenses per EmployeePERSONNEL_EX 522,273.51 571,465.70 559,314.60
Governance
Percentage of Non-Executive Directors onPCT_OF_NON_E — 82.35 81.25
Pct Independent Directors PCT_INDEPEND 66.67 82.35 81.25
% Women on Board PCT_WOMEN_O 16.67 23.53 25.00
Percentage of Female Executives PERCENTAGE_O — 10.00 6.67
Board of Directors Age Range BOARD_OF_DIR — 20.00 21.00
Board Average Age BOARD_AVERA 58.87 60.00 56.50
Board Meeting Attendance Pct BOARD_MEETIN 91.80 89.25 96.35
Independent Directors Board Meeting Att IND_DIRECTOR 88.79 88.59 96.05
Pct of Independent Directors on Audit Co PCT_IND_DIRE — 100.00 100.00
Audit Committee Meeting Attendance Per AUDIT_COMMIT — 82.14 100.00
Pct of Ind Directors on Compensation ComPCT_IND_DIRE — 100.00 100.00
Compensation Committee Meeting Attend COMPENSATION — 94.44 95.83
Pct of Ind Directors on Nomination CommiPCT_OF_IND_D — 100.00 100.00
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
Reporting Period
Start Date of CDP Reporting Year CDP_REPORTIN 01/01/2009 01/01/2010 01/01/2011
End Date of CDP Reporting Year CDP_REPORTIN 12/31/2009 12/31/2010 12/31/2011
CDP Survey Year CDP_SURVEY_Y 2,010 2,011 2,012
CDP Reported Fiscal Year CDP_REPORTED 2,009 2,010 2,011
GHG Emissions
Co Uses GHG/other Methodology CDP_CO_USES 1.00 — —
Scope 1 Activity Emissions Globally CDP_SCOPE_1_ 0.09 0.08 0.07
Location-based Scope 2 CDP_LOCATION — — —
Market-based Scope 2 CDP_MKT_BASE — — —
Scope 2 Emissions CDP_SCOPE_2_ 0.74 0.75 0.73
Rev Emission Intensity CDP_REVENUE_ — — —
Co Selected Emission Intensity CDP_COMP_SEL — — —
Scope 3 Purch Goods/Srvcs CDP_SCOPE_3_ — — —
Scope 3 Investments CDP_SCOPE_3_ — — —
Emissions from Travel CDP_EMISSION — 0.09 0.10
CDP Level of Uncertainty Scope 1 Emissi CDP_LEVEL_OF — 10.00 10.00
CDP Level of Uncertainty Scope 2 Emissi CDP_LEVEL_OF — 5.00 5.00
CDP Percentage Data Verified Scope 1 CDP_PCT_DATA 100.00 100.00 100.00
CDP Percentage Data Verified Scope 2 CDP_PCT_DATA 100.00 100.00 100.00
CDP Percentage Data Verified Scope 3 CDP_PCT_DATA 100.00 100.00 100.00
Energy Use
Total Fuel Consumption CDP_TOTAL_FU — — —
Low Carbon Energy CDP_LOW_CAR — — —
Total Electricity Consumption CDP_TOT_ELEC — — —
Total Purchased Elec Consumption CDP_TOT_PURC — 1.52 1.48
Total Electricity Production CDP_TOTAL_EL — — —
Total Renewable Elec Prod CDP_TOT_RENE — — —
Total Prod & Cons Renew Elec CDP_TOT_PROD — — —
Emissions Bio Seques Carbon CDP_EMISSION 0.03 0.00 0.04
Trading
Other Compliance Programs CDP_OTHER_CO n/a n/a n/a
Origination Project Carbon Offsets CDP_ORIGINAT n/a No No
Trading Allowances EU ETS CDP_TRADING_ n/a n/a n/a
— — — — — 1.00 1.00
0.06 0.06 0.04 0.04 0.04 0.03 0.03
— — — 0.55 0.56 0.53 0.49
— — — 0.58 0.44 0.40 0.36
0.69 0.63 0.54 — — — —
— — — 8.37 7.99 0.00 0.00
— — — 2.50 2.20 1.98 1.82
— — — 1.19 1.54 1.00 985.44
— — — 31.66 31.66 51.85 27.73
0.09 0.10 0.09 0.08 0.06 0.08 0.09
10.00 10.00 10.00 — 10.00 — —
10.00 10.00 10.00 10.00 10.00 — —
100.00 100.00 100.00 100.00 100.00 100.00 100.00
100.00 100.00 100.00 100.00 100.00 100.00 100.00
90.00 — 100.00 100.00 100.00 — —
— — — — — — —
5.75 5.81 6.87 6.54 5.79 5.51 5.30
12.51 12.41 14.86 17.97 16.59 16.12 16.95
Net Income
Consensus Estimate BEST_NET_INC 127,106.27 133,063.16 140,247.58
Comparable Actual IS_COMP_NET_ 108,807.91 134,220.41 127,720.03
Net Income Surprise % -14.40 0.87 -8.93
GAAP Actual EARN_FOR_CO 104,363.13 121,243.60 101,702.99
Adjusted Actual EARN_FOR_CO 127,613.68 132,554.68 119,874.01
Source: Bloomberg
FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Est FY 2021 Est
12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021
Source: Bloomberg
FY 2016 FY 2017 FY 2018 FY 2019 Last 12M FY 2020 Est FY 2021 Est
12/31/2016 12/31/2017 12/31/2018 12/31/2019 06/30/2020 12/31/2020 12/31/2021
405,174.53 422,536.57 448,082.33 459,045.28 390,600.06 388,082.73 383,998.85
100.00 100.00 100.00 100.00 100.00 100.00 100.00
232,158.17 220,393.55 239,547.82 238,674.09 231,739.51
47.13 42.02 40.05 36.37 71.10
329,972.30 320,288.36 389,402.36 428,543.08
81.44 75.80 86.90 93.36
329,234.87 319,462.33 388,814.54 428,543.08
66.99 61.07 65.12 66.04
737.43 826.03 587.82 0.00
0.18 0.20 0.13 0.00
97,814.13 99,894.81 149,854.54 189,868.99
19.86 19.05 25.05 28.94
173,016.36 202,143.02 208,534.51 220,371.20 158,974.77
42.70 47.84 46.54 48.01 40.70
77,135.07 100,837.73 69,433.13 117,104.03 52,302.42
19.04 23.86 15.50 25.51 13.39
66,384.13 91,876.10 67,724.53 114,479.26
16.38 21.74 15.11 24.94
10,750.94 8,961.62 1,708.59 2,624.77
2.65 2.12 0.38 0.57
0.00 0.00 0.00 0.00 -11,721.75
0.00 0.00 0.00 0.00 -3.00
121,629.21 123,537.90 125,746.14 120,966.75 92,170.45
30.02 29.24 28.06 26.35 23.60
-25,747.92 -22,232.61 13,355.24 -17,699.59 14,606.97
-6.35 -5.26 2.98 -3.86 3.74
26,392.20 13,785.31 13,849.01 21,593.65 66,050.94
6.51 3.26 3.09 4.70 16.91
378,782.34 408,751.26 434,233.32 437,451.63 324,869.32
93.49 96.74 96.91 95.30 83.17
259,854.45 265,926.38 284,512.02 289,735.71 219,681.36
52.75 50.70 47.58 44.65 39.90
22,448.89 23,705.44 26,835.88 26,764.84
5.54 5.61 5.99 5.83
237,405.56 242,220.95 257,676.14 262,970.86 219,681.36
58.59 57.33 57.51 57.29 56.24
118,927.89 142,824.87 149,721.30 147,715.93 104,867.76 83,506.25 104,594.97
24.14 27.23 25.04 22.76 20.60 21.52 27.24
-18,272.71 -18,507.70 -19,876.10 -18,443.92 -15,496.27
-4.51 -4.38 -4.44 -4.02 -3.97
-18,272.71 -18,507.70 -19,876.10 -18,443.92 -15,496.27
-4.51 -4.38 -4.44 -4.02 -3.97
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
137,200.60 161,332.57 169,597.41 166,159.85 120,363.31 72,877.99 110,437.93
33.86 38.18 37.85 36.20 30.81 18.78 28.76
81,994.34 27,555.04 13,707.93 61,584.21 79,379.61
20.24 6.52 3.06 13.42 20.32
13,708.42 2,906.68 — —
3.38 0.69 — —
— — -258.64 -7,255.34
— — -0.06 -1.58
25,150.21 — — 57,580.46
6.21 — — 12.54
— — — —
— — — —
10,339.53 -3,989.87 1,293.20 -6,017.39 -6,318.75
2.55 -0.94 0.29 -1.31 -1.62
12,295.66 2,283.27 7,539.75 9,558.87 1,008.77
3.03 0.54 1.68 2.08 0.26
24,203.20 23,393.73 — 7,717.61 9,055.79
5.97 5.54 — 1.68 2.32
-3,702.67 2,961.23 5,133.62 — 6,209.65
-0.91 0.70 1.15 — 1.59
55,206.26 133,777.53 155,889.48 104,575.64 40,983.70 72,877.99 110,437.93
13.63 31.66 34.79 22.78 10.49 18.78 28.76
28,457.00 41,207.87 38,129.83 36,347.22 26,205.25
5.78 7.86 6.37 5.54 4.87
28,480.28 33,228.13 32,878.65 29,522.81
7.03 7.86 7.34 6.43
-23.29 7,979.74 5,251.18 6,824.41
-0.01 1.89 1.17 1.49
26,749.27 92,569.66 117,759.65 68,228.41 14,778.45 24,750.11 51,762.73
6.78 21.80 26.27 14.63 6.36 6.38 13.48
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
26,749.27 92,569.66 117,759.65 68,228.41 14,673.51
6.60 21.91 26.28 14.86 3.76
7,506.25 8,423.92 10,173.18 10,381.56 8,496.05
1.52 1.61 1.70 1.58 2.33
19,243.02 84,145.73 107,586.47 57,846.85 6,282.40 24,750.11 51,762.73
4.75 19.91 24.01 12.60 1.61 6.38 13.48
698.62 701.34 705.38 705.16 701.51
8,461.03 7,987.53 8,064.87 10,373.73 9,953.63
10,083.37 75,456.86 98,816.22 46,767.96 -4,372.74 24,750.11 51,762.73
Source: Bloomberg
FY 2016 FY 2017 FY 2018 FY 2019 Last 12M FY 2020 Est FY 2021 Est
12/31/2016 12/31/2017 12/31/2018 12/31/2019 06/30/2020 12/31/2020 12/31/2021
405,174.53 422,536.57 448,082.33 459,045.28 390,600.06 388,082.73 383,998.85
57.30 52.16 53.46 51.99 59.33
81.44 75.80 86.90 93.36
81.26 75.61 86.77 93.36
0.18 0.20 0.13 0.00
24.14 23.64 33.44 41.36
42.70 47.84 46.54 48.01 40.70
19.04 23.86 15.50 25.51 13.39
16.38 21.74 15.11 24.94
2.65 2.12 0.38 0.57
0.00 0.00 0.00 0.00 -3.00
30.02 29.24 28.06 26.35 23.60
-6.35 -5.26 2.98 -3.86 3.74
6.51 3.26 3.09 4.70 16.91
93.49 96.74 96.91 95.30 83.17
64.13 62.94 63.50 63.12 56.24
5.54 5.61 5.99 5.83
58.59 57.33 57.51 57.29 56.24
29.35 33.80 33.41 32.18 26.85 21.52 27.24
-4.51 -4.38 -4.44 -4.02 -3.97
-4.51 -4.38 -4.44 -4.02 -3.97
0.00 0.00 0.00 0.00 0.00
33.86 38.18 37.85 36.20 30.81 18.78 28.76
20.24 6.52 3.06 13.42 20.32
3.38 0.69 — —
— — -0.06 -1.58
6.21 — — 12.54
— — — —
2.55 -0.94 0.29 -1.31 -1.62
3.03 0.54 1.68 2.08 0.26
5.97 5.54 — 1.68 2.32
-0.91 0.70 1.15 — 1.59
13.63 31.66 34.79 22.78 10.49 18.78 28.76
7.02 9.75 8.51 7.92 6.71
7.03 7.86 7.34 6.43
-0.01 1.89 1.17 1.49
6.60 21.91 26.28 14.86 3.78 6.38 13.48
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
6.60 21.91 26.28 14.86 3.76
1.85 1.99 2.27 2.26 2.18
4.75 19.91 24.01 12.60 1.61 6.38 13.48
0.17 0.17 0.16 0.15 0.18
2.09 1.89 1.80 2.26 2.55
2.49 17.86 22.05 10.19 -1.12 6.38 13.48
EBIT Reconciliation
EBIT IS_OPER_INC 128,341.10 144,850.44 132,583.22
EBIT, ex COVID-19 Impact OPER_INCME_E 128,341.10 144,850.44 132,583.22
1. Interest income
a. Int and fee inc on loans:
(1) In domestic offices FDIC_DOM_INT 32,747.28 13,770.44 14,008.30
(2) In foreign offices FDIC_FOREIGN_ 204.32 238.90 282.81
b. Int inc lease financing FDIC_LEASE_IN 31.28 4.40 1.26
c. Interest income from dep inst FDIC_BALANCE_ 566.71 526.34 446.92
d. Int and div inc on securities: FDIC_SECURITY 9,066.49 9,709.91 8,348.31
e. Int inc from trading assets FDIC_TRADE_AC 1,118.46 1,527.53 848.57
f. Int inc fed funds and rev repo FDIC_FED_FUND 296.68 443.29 296.16
g. Other interest income FDIC_OTHER_IN 387.17 354.37 353.12
h. Total interest income FDIC_TOTAL_IN 44,418.40 26,575.17 24,585.45
2. Interest expense
a. Interest on deposits:
(1) In domestic offices FDIC_INT_EXPN 4,190.96 1,738.60 2,295.33
(2) In foreign offices FDIC_INT_EXP_ 317.77 211.63 161.84
b. Int exp fed funds and rev repo FDIC_INTERES 289.53 162.86 48.52
c. Int exp on trading liabilities FDIC_INTER_E 707.46 724.23 845.48
d. Int exp sub notes/debentures FDIC_INTERES 2,481.08 2,763.70 2,744.98
e. Total interest expense FDIC_TOTAL_I 7,986.79 5,601.03 6,096.15
3. Net interest income FDIC_NET_INTE 36,431.60 20,974.14 18,489.29
4. Provision for loan losses FDIC_PROVISI 8,592.94 2,013.03 2,262.37
5. Noninterest income:
a. Income fiduciary activities FDIC_FIDUCIAR 604.49 601.51 535.91
b. Service charges dep accts FDIC_SRV_CHG 1,505.58 1,354.08 1,330.15
c. Trading revenue FDIC_TRADE_A 5,383.85 3,132.37 3,523.97
d.(1)(2)(3) Invt banking FDIC_INV_BK_ 368.61 437.98 522.14
(4) Underwriting inc insurance FDIC_INSURAN 72.57 52.96 25.48
(5) Income other insurance FDIC_OTHER_I 65.71 47.10 12.05
e. Venture capital revenue FDIC_VC_REVE 0.00 0.00 0.00
f. Net servicing fees FDIC_NET_SERV 252.39 -689.25 333.30
g. Net securitization income FDIC_NET_SECU 0.00 0.00 0.00
h. Not applicable
i. Net gain (loss) loan sales FDIC_LOAN_SAL 3,659.90 -691.27 -353.55
j. Net gain (loss) sale OREO FDIC_OREO_SAL -145.22 3.18 -30.11
k. Net gain (loss) other assets FDIC_OTHER_AS 7.88 421.39 111.28
l. Other noninterest income FDIC_OTHER_N 16,629.25 10,708.45 20,060.74
m. Total noninterest income FDIC_NON_INT_ 28,405.02 15,378.48 26,071.37
6. Realized gains (losses) FDIC_SECURITI -48.00 1,093.77 964.48
7. Noninterest expense:
a. Salaries and employee benefits FDIC_SALARIES 8,771.05 8,791.39 7,473.93
b. Expenses of fixed assets FDIC_PREMISE 1,826.94 1,913.12 1,574.45
c. (1) Goodwill impairment FDIC_GOODWIL 0.00 0.00 0.00
(2) Amort/impairment other intang FDIC_AMORTIZA 1,048.43 61.70 88.62
d. Other noninterest expense FDIC_OTHER_N 25,171.88 18,418.21 27,122.87
e. Total noninterest expense FDIC_TOTAL_N 36,818.30 29,184.42 36,259.87
8. Income (loss) before tax and XO FDIC_PRETAX_N 19,425.38 5,155.17 6,038.42
9. Applicable income taxes FDIC_INCOME_ 6,391.33 2,170.72 7,258.85
10. Income (loss) before XO FDIC_INCOME_ 12,986.05 4,078.21 -255.94
11. Extraordinary items and other FDIC_NET_XO_ 48.73 6,908.02 1,867.85
14. Net income (loss) FDIC_NET_INC 13,033.02 10,982.74 1,608.02
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
— — — — — — —
13. Deposits:
a. In domestic offices FDIC_DEPOSIT 745,301.25 848,470.44 837,343.85
(1) Noninterest-bearing FDIC_NON_INT 179,377.04 258,690.17 289,511.66
(2) Interest-bearing FDIC_INTEREST 565,924.21 589,780.27 547,832.19
b. In foreign offices FDIC_DEPOSITS 254,361.29 308,991.26 153,741.98
14. Federal funds purch and repos: FDIC_FED_FUN 57,479.85 58,300.93 52,864.24
15. Trading liabilities FDIC_TRADING_L 79,942.63 97,670.75 128,857.62
16. Other borrowed money FDIC_OTHER_B 58,583.71 56,347.60 38,648.36
17. Not applicable
18. Not applicable
19. Subordinated notes and debenturesFDIC_SUBORDI 47,630.62 47,420.32 50,292.54
20. Other liabilities FDIC_ALL_OTHE 32,555.60 46,015.62 41,159.55
21. Total liabilities FDIC_TOTAL_LIA 1,275,854.95 1,463,216.92 1,302,908.14
22. Not applicable
23. Perpetual preferred stock FDIC_PERPETU 0.00 0.00 0.00
24. Common stock (par value) FDIC_COMMON 32.65 32.64 32.57
25. Surplus FDIC_SURPLUS 132,190.86 133,767.74 133,487.51
26. Retained earnings FDIC_UNDIVIDE 15,596.43 29,238.54 22,915.87
27. Not available
28. Total equity capital FDIC_TOTAL_CA 147,819.94 163,038.91 156,435.95
29. Total liabilities and equity capital FDIC_TOTAL_LI 1,423,677.76 1,626,258.85 1,459,346.91
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
— — — — — — —
Regulatory Ratios
Tier 1 Common Equity Ratio BS_TIER1_COM_ — — —
Core Tier 1 Capital Ratio BS_CORE_TIER1 10.50 10.10 12.30
Tier 1 Capital Ratio BS_TIER1_CAP_ 12.10 11.50 13.40
Total Risk-Based Capital Ratio BS_TOT_CAP_T 15.20 14.10 16.10
Liquidity Coverage Ratio BS_LIQUIDITY_ — — —
Net Stable Funding Ratio ARDR_NET_STA — — —
Regulatory Capital
Tier 1 Common Equity BS_TIER1_COM — — —
Core Tier 1 Capital BS_CORE_TIER1 902,546.44 951,377.43 1,075,739.66
Additional Tier 1 Capital BS_ADDITIONAL — — —
Tier 1 Capital BS_TIER1_CAPI 1,035,173.73 1,084,139.69 1,170,757.94
Tier 2 Capital BS_TIER_2_CAP 409,727.61 — 230,651.28
Total Capital Funds BS_TOT_CAP_F 1,302,371.50 1,322,916.04 1,401,409.23
Risk-Weighted Assets BS_RISK_WEIG 8,574,276.73 9,393,811.43 8,711,569.80
Capital
Tangible Common Equity TANGIBLE_COM 915,208.34 1,007,258.12 1,126,895.60
Tangible Common Equity Ratio TCE_RATIO 4.86 5.13 5.46
Tangible Common Equity to Risk-Weighte TCE_TO_RWA 10.67 10.72 12.94
Total Loans to Total Deposits TOT_LOAN_TO_ 79.70 76.40 75.65
Loans to Deposit Ratio Percentage As Re LOANS_TO_DEP 78.10 75.00 73.40
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
Total Investments
Total Investments ASSET_ALLOCA 8,970,432.18
Income Statement
Net Interest Income FDIC_NET_INTE 36,431.60 20,974.14 18,489.29
Provision for Loan Loss FDIC_PROVISI 8,592.94 2,013.03 2,262.37
Pre-Tax Net Operating Income FDIC_PRETAX_N 19,425.38 5,155.17 6,038.42
Net Income FDIC_NET_INC 13,033.02 10,982.74 1,608.02
Financial Ratios
Tier 1 Risk-Based Capital Ratio FDIC_TR1_RISK — 18,544.72 —
Tier 1 Common Equity Ratio FED_TIER_1_C 13.27 14.51 16.52
Total Risk-Based Capital Ratio FDIC_TOTAL_RI — 18,544.72 —
Tier 1 Capital FDIC_TIER_1_C 125,476.39 134,481.64 130,431.80
Income Statement
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
— — — — — — —
13.41 — — — — — —
— — — — — — —
122,539.37 133,895.31 171,763.51 170,776.93 170,623.98 172,397.27 160,440.02
HSBC Holdings PLC (5 HK) - FDIC
In Millions of HKD except Per Share FY 2010 FY 2011 FY 2012
12 Months Ending 12/31/2010 12/31/2011 12/31/2012
Balance Sheet
Total Securities FDIC_TOTAL_SE 385,489.51 428,062.22 532,614.31
Net Loans and Leases FDIC_NET_LOA 562,563.60 595,633.10 464,139.63
Goodwill and Other Intangibles FDIC_GOODWIL 23,547.39 21,451.39 15,222.61
Total Assets FDIC_TOTAL_A 1,423,677.76 1,626,258.85 1,459,346.91
Total Deposits FDIC_TOTAL_DE 999,662.54 1,157,461.70 991,085.83
Subordinated Debt FDIC_SUBORDI 47,630.62 47,420.32 50,292.54
Total Liabilities FDIC_TOTAL_LIA 1,275,854.95 1,463,216.92 1,302,908.14
Undivided Profits FDIC_UNDIVIDE 15,596.43 29,238.54 22,915.87
Total Capital FDIC_TOTAL_CA 147,819.94 163,038.91 156,435.95
Income Statement
Net Interest Income FDIC_NET_INTE 36,431.60 20,974.14 18,489.29
Provision for Loan Loss FDIC_PROVISI 8,592.94 2,013.03 2,262.37
Pre-Tax Net Operating Income FDIC_PRETAX_N 19,425.38 5,155.17 6,038.42
Net Income FDIC_NET_INC 13,033.02 10,982.74 1,608.02
Cash Dividends Total FDIC_CASH_DIV 38.84 3,347.25 8,532.78
Net Operating Income FDIC_NET_OPE 13,018.20 3,367.26 -1,219.59
Financial Ratios
Tier 1 Risk-Based Capital Ratio FDIC_TR1_RISK — 18,544.72 —
Total Risk-Based Capital Ratio FDIC_TOTAL_RI — 18,544.72 —
Return On Asset FDIC_ROA — 0.07 —
Return On Equity FDIC_ROE — 1.02 —
Yield on Earning Assets FDIC_YIELD_EA — 0.35 —
Efficiency Ratio FDIC_EFFICIEN — 76.67 —
Texas Ratio FDIC_TEXAS_RA 16.05 17.86 13.12
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
12.82 11.17 10.92 13.65 8.94 6.08 6.41
HSBC Holdings PLC (5 HK) - Banking
In Millions of HKD except Per Share FY 2010 FY 2011 FY 2012
12 Months Ending 12/31/2010 12/31/2011 12/31/2012
Profitability
Return on Assets RETURN_ON_AS 0.55 0.67 0.53
Annualized Return on Assets ANN_RETURN_O 0.53 0.61 0.52
Return on Common Equity RETURN_COM_ 9.24 10.59 8.06
Annualized Return on Common Equity ANN_RETURN_ 9.24 10.59 8.06
Net Interest Margin T12_NET_INT_M 2.00 2.07 1.72
Annualized Net Interest Margin ANN_NET_INT_ 2.69 2.52 2.33
Efficiency Ratio EFF_RATIO 55.22 57.48 62.82
Effective Tax Rate EFF_TAX_RATE 25.46 17.96 25.74
Other Capital
Core Tier 1 Capital Ratio BS_CORE_TIER1 10.50 10.10 12.30
Common Equity/Total Assets COM_EQY_TO_T 6.02 6.21 6.51
Assets/Equity ASSET_TO_EQY 15.85 15.39 14.70
Average Equity/Average Assets AVG_COM_EQY_ 5.73 6.12 6.36
Book Value per Share BOOK_VAL_PER 64.90 68.99 73.52
Price/Book Value per Share PX_TO_BOOK_R 1.22 0.86 1.11
Tangible Book Value per Share TANG_BOOK_VA 51.75 56.37 60.99
Price/Tangible Book Value per Share PX_TO_TANG_B 1.54 1.05 1.33
Tangible Common Equity TANGIBLE_COM 915,208.34 1,007,258.12 1,126,895.60
Tangible Common Equity Ratio TCE_RATIO 4.86 5.13 5.46
Tang Com Equity/Risk-Wtd Assets TCE_TO_RWA 10.67 10.72 12.94
Tier 1 Common Equity BS_TIER1_COM — — —
Core Tier 1 Capital BS_CORE_TIER1 902,546.44 951,377.43 1,075,739.66
Tier 1 Capital BS_TIER1_CAPI 1,035,173.73 1,084,139.69 1,170,757.94
Total Risk Based Capital BS_TOT_CAP_F 1,302,371.50 1,322,916.04 1,401,409.23
Risk-Weighted Assets BS_RISK_WEIG 8,574,276.73 9,393,811.43 8,711,569.80
Credit Quality
T12M Net Chg Offs/Avg Tot Loans T12M_NET_CHR — 1.14 0.88
Annualized Net Chg-Offs/Avg Tot Loans ANN_NET_CHRG 2.13 1.17 0.93
Prov Loan Losses/Total Loans PROV_FOR_LOA 1.64 1.28 0.89
Provision for Loan Losses IS_PROV_FOR_ 109,066.63 94,400.33 64,468.71
Actual Loan Losses (Net) IS_ACT_LOAN_ 142,014.24 86,047.76 67,222.45
Trailing 12M Actual Loan Losses (Net) TRAIL_12M_AC 142,014.24 86,047.76 67,222.45
Actual Loan Losses/Provisions ACT_LOAN_LOS 130.21 91.15 104.27
Loan Loss Coverage LOAN_LOSS_CO 1.81 3.08 3.34
Reserve for Loan Losses BS_RSRV_LOAN 156,101.14 136,000.93 124,882.50
Res for Loan Losses/Tot Loans RSRV_FOR_LOA 2.05 1.83 1.59
Loan Loss Res/Non-Perf Assets LOAN_LOSS_RE 42.85 42.11 41.66
Non-Performing Loans BS_NON_PERF 364,318.91 322,966.29 299,735.05
Non-Performing Assets BS_NON_PERFO 364,318.91 322,966.29 299,735.05
Non-Perf Assets/Total Assets NON_PERF_ASS 1.91 1.63 1.44
Non-Perf Assets/Total Loans NON_PERFORM_ 4.79 4.34 3.81
Non-Perf Loans/Total Loans NPLS_TO_TOTA 4.79 4.34 3.81
Liquidity
Total Loans/Total Deposits TOT_LOAN_TO_ 79.70 76.40 75.65
Total Loans/Total Assets TOT_LOAN_TO_ 39.86 37.48 37.65
Deposits/Assets DEPOSITS_TO_ 50.02 49.07 49.77
Deposits/Funding DEPOSITS_TO_ 67.54 69.91 70.49
Total Assets BS_TOT_ASSET 19,079,806.66 19,848,159.86 20,869,592.78
Total Loans BS_TOT_LOAN 7,605,288.39 7,439,936.80 7,857,358.61
Customer Deposits BS_CUSTOMER_ 9,542,860.88 9,738,733.91 10,386,314.51
Earning Assets EARN_ASSET 15,767,863.22 14,921,191.92 19,172,773.51
Growth Analysis
Loan Growth GROWTH_IN_TO — -2.10 5.82
Deposit Growth GROWTH_IN_TO 5.93 2.13 6.87
Earning Assets Growth EARN_ASSET_ 5.59 -5.29 28.75
Assets Growth ASSET_GROWT 3.82 4.11 5.36
Net Worth Growth NET_WORTH_G 15.10 7.49 10.41
Net Interest Income Growth NET_INT_INC_ -3.19 3.18 -7.15
Net Inc Growth NET_INC_GROW 125.56 27.65 -16.49
Dividend Payout Ratio DVD_PAYOUT_R 49.65 45.14 61.40
Net Revenue Growth NET_REV_GRO 2.99 6.40 -5.96
Value at Risk
Average VAR - Interest Rate Risk IS_AVG_VAR_IN 400.87 — 331.23
Average VAR - Equity Risk IS_AVG_VAR_EQ 71.47 — 72.14
Average VAR - Currency Risk IS_AVG_VAR_C 211.31 — 182.29
Average VAR - Other Risks IS_AVG_VAR_O 481.67 — 207.89
VAR Diversification Benefit IS_DIVERSIFICA — — -217.97
Total Average Value-At-Risk IS_TOTAL_VALU 880.99 — 575.57
VAR Confidence Level IS_VAR_CONFI 99.00 — 99.00
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
— — — — — — —
6.81 6.79 7.82 7.38 6.66 6.41 6.01
14.03 13.17 12.20 13.01 12.74 13.17 14.09
6.66 6.80 7.28 7.60 7.01 6.53 6.20
74.89 72.19 74.20 68.45 65.64 64.07 62.54
1.14 1.02 0.83 0.92 1.23 1.01 0.98
62.57 61.06 64.51 60.12 56.48 54.54 54.80
1.34 1.21 0.96 1.04 1.42 1.19 1.11
1,178,213.17 1,173,459.72 1,269,892.64 1,194,410.76 1,129,244.53 1,092,819.03 1,113,240.25
5.75 5.81 6.87 6.54 5.79 5.51 5.30
12.51 12.41 14.86 17.97 16.59 16.12 16.95
1,017,554.44 1,032,819.48 1,014,201.34 903,732.55 985,474.77 947,868.51 965,595.97
— — — — — — —
1,129,271.19 1,184,322.93 1,188,113.58 1,070,208.79 1,179,297.93 1,152,445.57 1,155,597.92
1,404,825.73 1,478,901.35 1,471,224.73 1,336,446.70 1,424,830.71 1,356,834.66 1,340,910.78
9,420,091.62 9,458,207.22 8,548,360.30 6,646,643.08 6,806,856.99 6,777,202.66 6,569,411.28
0.51 0.52 0.35 0.31 0.27 0.19 0.24
0.60 0.58 0.37 0.33 0.28 0.19 0.24
0.65 0.41 0.41 0.39 0.20 0.18 0.27
45,368.42 29,863.38 28,847.47 26,392.20 13,785.31 13,849.01 21,593.65
41,567.68 42,061.53 26,250.35 21,959.86 19,707.78 14,860.05 19,109.91
41,567.68 42,061.53 26,250.35 21,959.86 19,707.78 14,860.05 19,109.91
91.62 140.85 91.00 83.21 142.96 107.30 88.50
5.30 4.15 6.67 3.72 7.49 11.42 6.60
117,415.79 95,659.86 74,052.21 60,868.12 58,467.25 67,552.73 68,015.29
1.38 1.25 1.02 0.90 0.77 0.87 0.84
41.57 42.13 40.22 43.07 48.38 64.75 63.77
282,455.43 227,057.45 184,126.88 141,338.09 120,856.28 104,332.74 106,649.73
282,455.43 227,057.45 184,126.88 141,338.09 120,856.28 104,332.74 106,649.73
1.36 1.11 0.99 0.77 0.61 0.52 0.50
3.33 2.97 2.54 2.10 1.59 1.35 1.31
3.33 2.97 2.54 2.10 1.59 1.35 1.31
Loans
Total Loans BS_AVERAGE_T 6,672,941.03 7,341,673.78 7,244,425.19
Assets
Other Interest Earnings Assets AVG_OTHER_IN 1,825,239.99 2,278,029.21 2,349,166.02
Total Assets BS_AVERAGE_T19,423,449.92 21,489,584.17 20,981,329.76
Earning Assets BS_AVERAGE_E11,443,846.80 12,602,535.62 12,595,739.56
Average Liabilities
Deposits
Non-Interest Bearing Deposits BS_AVERAGE_N 1,108,238.05 1,261,055.08 1,372,568.13
Total Deposits BS_AVERAGE_T 7,482,198.33 8,219,594.71 8,160,240.53
Liabilities
Amounts Due to Banks BS_AVG_AMTS_ 866,224.15 824,028.49 719,306.77
Securities Sold under Repo & Federal Fu BS_AVG_FED_F — — —
Trading Liabilities AVERAGE_TRADI 2,142,674.85 2,766,115.61 2,473,586.18
Long Term Debt BS_AVERAGE_L 1,476,039.17 1,409,498.10 1,250,592.21
Interest Bearing Liabilities BS_AVERAGE_I 10,410,810.59 ### 10,860,979.63
Other Interest Bearing Liabilties AVERAGE_OTHE 8,934,771.42 ### 9,610,387.42
Stockholder Equity
Other Liabilities & Stockholders Equity AVG_OTH_LIAB 5,757,690.91 6,349,217.90 6,281,118.43
Total Liabilities & Stockholders Equity AVG_TOT_LIAB 19,413,533.45 ### 20,997,933.45
Assets
Other Interest Earnings Assets INTEREST_INC_ 1,779.06 12,968.66 17,639.49
Earning Assets IS_INT_INCOM 453,272.48 490,450.45 439,839.33
Liabilities
Amounts Due to Banks IS_INT_EXPN_ 8,825.39 12,384.84 8,998.16
Interest Expense-Average Fed Funds and IS_INT_EXP_A — — —
Trading Liabilities INT_EXPN_AVG_ 29,366.18 35,527.59 37,001.05
Long Term Debt IS_INT_EXP_A 38,308.11 40,945.47 36,884.70
Other Interest Bearing Liabilties INT_EXP_AVG_O 15,996.02 15,848.86 17,352.48
Interest Bearing Liabilities IS_INT_EXP_AV 146,861.99 173,924.84 147,616.35
Other Liabilities & Stockholders Equity INT_EX_AV_OT_ — — 26,722.98
Total Liabilities & Stockholders Equity INT_EX_AV_T_L 176,228.18 209,452.43 174,339.33
Average Yields
Investments
Cash and Due From Banks AVG_CASH_&_D 1.92 2.24 1.56
Fed Funds Sold & Resale Agreements BS_AVG_FED_F — — —
Investment Securities BS_AVG_INVEST 2.47 2.66 2.34
Loans
Total Loans BS_AVERAGE_T 5.15 4.79 4.39
Assets
Other Interest Earning Assets AVG_OTHER_IN -11.94 5.28 8.39
Earning Assets BS_AVERAGE_E 3.96 3.88 3.49
Average Rates
Deposits
Interest Earning Deposits BS_AVG_INT_B 1.12 1.27 1.03
Liabilities
Amounts Due to Banks BS_AVG_AMTS_ 1.02 1.50 1.25
Fed Funds and Repo's BS_AVG_FED_F — — —
Trading Liabilities AVERAGE_TRADI 1.37 1.28 1.08
Long Term Debt BS_AVERAGE_L 2.60 2.90 2.95
Other Interest Earning Liabilties AVG_OTHER_IN 2.73 2.32 2.37
Interest Bearing Liabilities BS_AVG_INT_BE 1.41 1.56 1.36
Other Liabilities & Stockholders Equity AVG_OT_LIAB_ — — —
Total Liabilities & Stockholders Equity AV_TOT_LIAB_ 0.91 0.97 0.83
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
Actuarial Assumptions
Pension
Expected Rate Of Return On Plan AssetsIS_EXPECTED_ — — —
Discount Rate used on Plan Liabilities IS_DISC_RATE_ — — —
Other Postretirement Benefits
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17,483.40 — — — — — —
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-10,300.78 -12,035.31 -12,551.48 -12,947.70 -14,486.66 -13,182.81 -13,382.42
100.38 106.57 108.08 106.67 117.90 116.99 117.21
19.58 23.08 24.64 24.67 19.33 22.14 25.45
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17.18 16.21 18.50 16.60 18.70 20.99 20.86
0.54 0.61 0.49 0.44 0.32 0.32 0.36
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314,974.86 347,560.81 321,040.14 328,742.10 369,248.36 335,210.33 370,508.88
1. Selected components:
a. Total IRAs and Keogh Plan FDIC_IRA_&_K 7,067.36 6,154.54 3,449.83
b. Total brokered deposits FDIC_BROKERE 59,521.10 77,840.33 69,034.89
c. Fully insured brokered deposits FDIC_FULLY_I 59,427.14 77,822.89 69,034.89
2. Components of nontrans accts:
a. Savings deposits:
(1) MMDAs FDIC_MMDA 134,065.97 149,078.21 112,048.20
(2) Other savings deposits FDIC_OTHER_S 393,724.11 428,000.31 352,655.34
b. Time deposits < $100K FDIC_TIME_DEP 84,418.36 94,071.80 76,221.54
c. Time deposits > $100K FDIC_JUMBO_D 38,199.85 39,662.37 59,329.85
3. Maturity time deposits < $100K:
a. Three months or less FDIC_TIME_DPS 9,692.46 5,958.68 2,660.64
b. Over 3 through 12 months FDIC_TIME_DPS 16,410.12 11,843.76 7,554.07
c. Over 1 through 3 years FDIC_TIME_DPS 10,040.93 8,937.10 12,251.92
d. Over three years FDIC_TIME_DPS 48,274.85 67,332.26 53,754.92
4. Maturity time deposits > $100K:
a. Three months or less FDIC_TIME_DEP 20,627.26 23,057.92 42,696.18
b. Over 3 through 12 months FDIC_TIME_DEP 13,686.82 8,795.58 6,678.43
c. Over 1 through 3 years FDIC_TIME_DEP 2,164.44 6,287.44 8,997.74
d. Over three years FDIC_TIME_DEP 1,721.32 1,521.43 957.50
1. Unused commitments
b. Credit card lines FDIC_UNUSED_ 803,370.80 866,474.55 41,421.14
c. Commitments to fund coml RE:
(1) Secured by real estate FDIC_UNUSED_ 2,762.02 4,722.89 5,264.87
(2) Not secured by real estate FDIC_UNUSED_ 2,306.61 3,867.44 3,241.63
d. Securities underwriting FDIC_UNUSED_ 0.00 0.00 0.00
e. Other unused commitments FDIC_UNUSED_ 357,464.00 443,004.32 452,259.28
2. Finl standby letters of credit FDIC_FINANCIA 36,427.15 39,244.09 45,313.13
a. Amount conveyed FDIC_FINANCI 3,287.72 2,704.73 2,262.92
3. Perf standby letters of credit FDIC_PERFORM 23,275.74 24,682.85 23,770.97
a. Amount conveyed FDIC_PERFORM 775.44 699.91 1,462.39
4. Commercial letters of credit FDIC_COMMERC 7,565.92 10,316.10 7,615.45
5. Not applicable
6. Securities lent FDIC_SECURITI 0.00 0.00 0.00
7. Credit derivatives:
Sold Protection FDIC_NOTIONA 2,765,670.68 2,620,922.44 1,901,041.29
Purchased Protection FDIC_NOTIONAL 2,676,106.24 2,483,548.11 1,863,336.40
8. Spot foreign exchange contracts FDIC_SPOT_FX 439,109.35 466,984.38 436,573.99
12. Gross (e.g., notional) amounts:
a. Futures and forwards
Interest Rate Contracts FDIC_IR_FUTU 2,773,812.45 2,487,331.73 2,433,278.37
Commodities and Equity FDIC_OTHER_F 279,324.73 361,782.59 317,730.15
c. Written options
Interest Rate Contracts FDIC_IR_OPTIO 488,545.85 542,831.32 335,310.99
Foreign Exchange Contracts FDIC_FX_OPTIO 171,008.58 308,041.36 425,453.01
Commodities and Equity FDIC_OTHER_O 70,328.37 62,600.82 135,272.06
d. Purchased options
Interest Rate Contracts FDIC_IR_OPTI 497,041.30 522,533.63 342,351.53
Foreign Exchange Contracts FDIC_FX_OPTI 173,874.54 314,423.89 429,996.59
Commodities and Equity FDIC_OTHER_O 127,386.89 132,720.78 138,033.11
e. Swaps
Interest Rate Contracts FDIC_NOTIONA 13,781,137.25 18,057,956.19 22,027,085.08
Foreign Exchange Contracts FDIC_NOTIONA 1,388,949.08 1,529,727.89 1,669,080.22
Commodities and Equity FDIC_NOTIONA 1,920.17 27,997.75 54,384.55
13. Total gross notional amount
Interest Rate Contracts FDIC_INTERES 17,540,536.84 21,610,652.88 25,138,025.96
Commodities and Equity FDIC_OTHER_DE 478,960.16 585,101.94 645,419.88
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
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Asset Quality
Nonperf Assets to Total Assets FDIC_NPA_TO_ 1.59 1.62 1.31
Nonperf Loans % Loans FDIC_NONPERF 3.72 4.27 3.96
Loan Loss Allowance to Loans FDIC_LOSS_AL 2.91 0.96 1.07
LLA to Nonperforming Assets FDIC_LOSS_AL 74.45 21.94 26.14
LLA to Nonperforming Loans FDIC_LOAN_LO 78.23 22.45 27.00
LLA to Net Charge-Offs FDIC_LOSS_AL 78.39 35.27 166.76
Loan Loss Provision to Avg Loans FDIC_T12_PRO 1.43 0.34 0.42
LLP to Net Charge-Offs FDIC_T12_LLP 39.98 12.27 75.18
LLP to Net Interest Income FDIC_PROV_LN_ 23.59 9.60 12.24
Net Charge-Offs to Average Loans FDIC_NET_CHG 3.58 2.77 0.56
Nonperf Assets to Loans & OREO FDIC_NPA_TO_ 3.90 4.37 4.08
NPA & Loans 90+ PD to Assets FDIC_NPA_LNS 2.01 1.81 1.36
NPA & 90+ PD to Equity & LLA FDIC_NPA_LNS_ 17.33 17.41 12.27
NPA & 90+ PD to Tang Eqy & LLA FDIC_NPA_LNS_ 20.23 19.95 13.54
NPA & 90+ PD to TCE & LLA FDIC_NPA_LNS_ 20.23 19.95 13.54
LLA to NPA & Loans 90+ PD FDIC_LLA_TO_N 59.06 19.64 25.32
Nonaccrual Loans to Total Assets FDIC_NON_ACC 1.17 0.87 0.77
Nonaccrual Loans to Total Loans FDIC_NON_ACC 2.87 2.36 2.39
Nonacc & 90+ PD & OREO to Assets FDIC_NON_ACC 1.66 1.10 0.85
Cash to Assets FDIC_CASH_TO 5.29 12.99 8.23
Securities to Assets FDIC_SECURITI 27.08 26.32 36.50
Capital Adequacy
Texas Ratio FDIC_TEXAS_RA 16.05 17.86 13.12
Equity Capital to Assets FDIC_EQUITY_ 10.38 10.03 10.72
Common Equity to Assets FDIC_COMMON_ 10.38 10.03 10.72
Tang Equity to Tang Assets FDIC_TANG_EQ 8.88 8.82 9.78
TCE to Tangible Assets FDIC_TANG_CO 8.88 8.82 9.78
Core Capital to Tangible Assets FDIC_CORE_CA 8.96 8.38 9.03
Tier 1 & 2 Capital to RWA FDIC_TIER_1&2 19.19 19.87 22.39
Chg in Ret Earnings to Equity FDIC_RET_EAR 10.22 9.24 -3.85
Book Value FDIC_BOOK_VA 147,819.94 163,038.91 156,435.95
Tangible Book Value FDIC_TANGIBL 124,272.55 141,587.53 141,213.34
FDIC Tier 1 Risk-Based Capital Ratio FDIC_TR1_RISK — 18,544.72 —
FDIC Total Risk-Based Capital Ratio FDIC_TOTAL_RI — 18,544.72 —
Loan Composition
Residential Loans % Loans FDIC_RESID_L 26.60 25.63 31.98
Real Estate Loans % Loans FDIC_RE_LOAN 35.97 34.83 44.21
Construction Loans % Loans FDIC_CONST_D 2.57 1.45 1.24
CRE Loans % Loans FDIC_COML_RE 6.75 7.71 10.98
Multifamily Loans % Loans FDIC_MULTIFA 1.69 1.40 1.89
1-4 Family Res Loans % Loans FDIC_1-4_FAM 24.91 24.23 30.09
1-4 Family 1st Lien % Loans FDIC_1-4_FAM_ 19.77 19.80 26.24
1-4 Family Junior Lien % Loans FDIC_1-4_FAM_ 0.60 0.45 0.31
Home Equity Loans % Loans FDIC_HOME_EQ 4.54 3.98 3.53
Farmland Loans % Loans FDIC_FARMLAN 0.00 0.00 0.00
Agriculture Loans % Loans FDIC_AGR_LOA 0.13 0.24 0.35
C&I Loans % Loans FDIC_C&I_LOA 18.95 21.69 37.19
Consumer Loans % Loans FDIC_CONSUME 33.93 29.58 2.43
Credit Card Loans % Loans FDIC_CREDIT_ 32.34 28.29 1.34
Related Plans % Loans FDIC_RELATED 0.37 0.32 0.26
Loans to Foreign Govts % Loans FDIC_LOANS_F 0.19 0.46 0.10
Municipal Loans % Loans FDIC_MUNICIP 0.04 0.02 0.00
Lease Financing Loans % Loans FDIC_LEASE_F 0.08 0.03 0.00
Deposit Composition
Retail Deposits % Deposits FDIC_RETAIL_D 70.73 63.59 71.79
Checking Accounts % Deposits FDIC_CHKG_AC 9.49 11.89 23.92
MMDAs & Savings Accts % Deposits FDIC_MMDA_&_ 52.80 49.86 46.89
CDs % Deposits FDIC_CD_%_TO 8.44 8.13 7.69
Jumbo CDs % Deposits FDIC_JUMBO_C 3.82 3.43 5.99
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
Net Charge-Offs
1. Real estate loans FDIC_NET_CHG 3,481.92 1,666.90 1,478.01
a. Construction & land dvlp loans FDIC_NET_CHG 560.79 14.75 -37.02
b. Secured by farmland FDIC_NET_CHG 0.00 0.00 0.00
c. Secd by 1-4 family properties: FDIC_NET_CHGO 2,225.52 1,337.17 1,352.87
(1) Home equity loans FDIC_NET_CHA 727.99 424.15 487.45
(2) Closed-end loans, 1-4 family FED_NCO_1-4_ 1,497.53 913.02 865.42
(a) Secured by first liens FDIC_NET_CHGO 1,290.18 789.60 747.75
(b) Secured by junior liens FDIC_NET_CHGO 207.35 123.42 117.67
d. Multifamily residential loans FDIC_NET_CHGO 451.77 102.54 10.35
e. Secd by nonfarm nonres ppty: FDIC_NCO_NON 243.84 212.43 151.81
f. In foreign offices FDIC_NET_CHG 0.00 0.00 0.00
2. Depository instit&acceptances FED_NCO_LOAN 0.00 0.00 912.01
a. To US banks&depository instits FDIC_NET_CHG 0.00 0.00 456.00
b. To foreign banks FDIC_NET_CHG 0.00 0.00 456.00
3. Loans to farmers/agriculture FED_NCO_LOAN -1.66 -0.23 0.22
4. Commercial & industrial loans FED_NET_CHAR 951.47 398.72 407.72
a. Domiciled in US FDIC_NET_CHG 954.80 408.81 407.72
b. Domiciled outside the US FDIC_NET_CHG -3.33 -10.09 0.00
5. Loans to consumers
a. Credit cards FDIC_NET_CHG 16,198.78 14,117.48 392.47
6. Loans to foreign governments FDIC_NET_CHG 0.00 0.00 0.00
7. All other loans FDIC_NET_CHG -3.04 -16.99 131.70
9. Total Loans and Leases
ASSETS
1. Securities FDIC_QTRLY_AV 0.00 0.00 0.00
2. Federal funds sold FDIC_QTRLY_A 0.00 0.00 0.00
3. a. Total domestic loans&leases FDIC_QTRLY_A 0.00 0.00 0.00
(1)Secd by 1-4 family FDIC_QTRLY_A 0.00 0.00 0.00
(2) All other secd by real estate FDIC_QTRLY_A 0.00 0.00 0.00
(5) Consumer loans
b. Total foreign loans & leases FDIC_QTRLY_A 0.00 0.00 0.00
4. a. Trading assets FDIC_QTRLY_A 0.00 0.00 0.00
b. Other earning assets FDIC_QTRLY_A 0.00 0.00 0.00
5. Total consolidated assets FDIC_QTRLY_A 0.00 0.00 0.00
LIABILITIES
6. Int-bearing deposits (domestic) FDIC_QTRLY_A 0.00 0.00 0.00
7. Int-bearing deposits (foreign) FDIC_QTRLY_A 0.00 0.00 0.00
10. Not applicable
EQUITY CAPITAL
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
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Overdue
1. Loans secd by real estate: FED_OVERDUE_ 16,768.80 14,165.42 13,209.33
b. Secured by farmland FED_OVERDUE_ 0.00 0.00 0.00
c. Secd by 1-4 family properties: FED_OVERDUE_ 14,865.76 13,118.11 12,174.36
(1) Home equity loans FED_OVERDUE_ 1,203.02 988.12 724.41
(2) Closed-end loans, 1-4 family FED_OVERDUE_ 13,662.74 12,129.99 11,449.96
(a) Secured by first liens FED_OVERDUE_1 13,465.80 11,996.82 11,340.46
(b) Secured by junior liens FED_OVERDUE_1 196.94 133.17 109.50
d. Multifamily residential loans FED_OVERDUE_ 1,903.04 1,047.31 1,034.97
f. Loans in foreign offices FED_OVERDUE_ 0.00 0.00 0.00
2. Depository instit&acceptances FED_OVERDUE_ 964.99 964.22 678.81
a. To US banks&depository instits FED_OVERDUE_ 482.50 482.11 339.40
b. To foreign banks FED_OVERDUE_ 482.50 482.11 339.40
3. Loans to farmers/agriculture FED_OVERDUE_ 2.25 1.32 0.73
4. Commercial & industrial loans FED_OVERDUE_ 2,366.51 1,757.49 1,058.93
5. Loans to consumers:
a. Credit cards FED_OVERDUE_ 7,989.01 5,642.41 229.15
b. Other revolv & consumer loans
6. Loans to foreign governments FED_OVERDUE_ 0.00 0.00 0.00
7. All other loans FED_OVERDUE_ 350.95 631.15 110.38
9. Debt secs&other assets(ex OREO)
10. TOTAL Loans & Leases FED_OVERDUE_ 34,147.32 27,200.47 18,390.23
Overdue as % of Loans
1. Loans secd by real estate: FED_OVERDUE 10.88 9.19 8.80
b. Secured by farmland FED_OVERDUE_ 0.00 — —
c. Secd by 1-4 family properties: FED_OVERDUE_ 10.30 9.00 8.62
(1) Home equity loans FED_OVERDUE_ 4.57 4.12 4.37
(2) Closed-end loans, 1-4 family FED_OVR_%_1_ 11.58 9.96 9.19
(a) Secured by first liens FED_OVERDUE_ 11.75 10.08 9.21
(b) Secured by junior liens FED_OVERDUE_ 5.67 4.89 7.48
d. Multifamily residential loans FED_OVERDUE_ 19.43 12.48 11.66
f. Loans in foreign offices FED_OVERDUE_ 0.00 0.00 0.00
2. Depository instit&acceptances FED_OVERDUE_ 5.60 3.27 2.15
b. To foreign banks FED_OVERDUE_ 2.80 1.63 1.07
3. Loans to farmers/agriculture FED_OVERDUE 0.29 0.09 0.04
5. Loans to consumers:
a. Credit cards FED_OVERDUE_ 4.26 3.32 3.65
b. Other revolv & consumer loans
6. Loans to foreign governments FED_OVERDUE_ 0.00 0.00 0.00
9. Debt secs&other assets(ex OREO)
Source: Bloomberg
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019
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