Professional Documents
Culture Documents
Sem 3 - HSBC Bank
Sem 3 - HSBC Bank
Sem 3 - HSBC Bank
滙豐控股有限公司
(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 approached.
• 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 co-branded 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
• The Internal audit function of the Bank and the Risk Based Internal
Audit, compliments the banks ability to control and mitigate risk.
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 world’s
leading brands in corporate
sustainability.
• Education
HSBC partners with non–governmental 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 5–year, 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 not–for–profit organisations
working directly with
underprivileged children and SOS
Children’s Villages – the world’s
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