| Ten-Year Summary |
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| Group |
2009 |
2008 |
2007 |
2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
2000 |
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Selected Income Statement
Items ($ millions)
|
| Total income |
6,603 |
6,031 |
6,163 |
5,344 |
4,338 |
4,479 |
4,265 |
4,143 |
3,387 |
2,931 |
| Profit before allowances |
3,999 |
3,421 |
3,545 |
2,975 |
2,312 |
2,523 |
2,473 |
2,333 |
1,670 |
1,686 |
| Allowances |
1,529 |
784 |
431 |
135 |
203 |
63 |
541 |
544 |
379 |
54 |
| Profit before tax |
2,536 |
2,712 |
3,224 |
2,910 |
2,163 |
2,509 |
1,992 |
1,797 |
1,469 |
1,675 |
Net profit excluding one-time
items and goodwill charges |
2,064 |
2,056 |
2,487 |
2,175 |
1,649 |
1,938 |
1,491 |
1,285 |
907 |
1,389 |
| One-time items(1) |
(23) |
(127) |
(209) |
94 |
303 |
497 |
– |
96 |
212 |
– |
| Goodwill charges |
– |
– |
– |
– |
1,128 |
440 |
430 |
278 |
133 |
– |
| Net profit |
2,041 |
1,929 |
2,278 |
2,269 |
824 |
1,995 |
1,061 |
1,103 |
986 |
1,389 |
Selected Balance Sheet
Items ($ millions)
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| Total assets |
258,644 |
256,718 |
233,591 |
233,591 |
197,372 |
180,204 |
175,671 |
159,479 |
149,425 |
151,429 |
| Customer loans(1) |
130,583 |
126,481 |
108,433 |
108,433 |
86,630 |
79,462 |
69,659 |
64,330 |
60,704 |
68,202 |
| Total liabilities |
229,145 |
232,715 |
210,433 |
210,433 |
176,326 |
161,014 |
156,796 |
143,574 |
133,935 |
135,802 |
| Customer deposits(2) |
183,432 |
169,858 |
153,572 |
153,572 |
131,373 |
116,884 |
113,206 |
108,041 |
101,315 |
106,771 |
| Ordinary shareholders’ funds |
24,759 |
19,386 |
20,048 |
20,048 |
18,242 |
16,291 |
16,011 |
14,259 |
13,681 |
13,007 |
| Preference shares |
614 |
433 |
433 |
433 |
433 |
433 |
433 |
559 |
560 |
595 |
| Total shareholders’ funds |
25,373 |
19,819 |
20,481 |
20,481 |
18,675 |
16,724 |
16,444 |
14,818 |
14,241 |
13,602 |
Per Ordinary Share (3)
|
Earnings excluding one-time
items and goodwill charges |
0.91 |
1.14 |
1.39 |
1.22 |
0.94 |
1.10 |
0.85 |
0.74 |
0.60 |
0.96 |
| Earnings |
0.90 |
1.07 |
1.27 |
1.28 |
0.46 |
1.13 |
0.60 |
0.64 |
0.65 |
0.96 |
| Net tangible assets |
8.29 |
7.69 |
7.98 |
7.22 |
6.41 |
5.80 |
4.87 |
4.48 |
5.34 |
7.03 |
| Net asset value |
10.85 |
10.25 |
10.55 |
9.79 |
8.98 |
8.88 |
8.18 |
7.92 |
7.70 |
7.03 |
| Dividends(4) |
0.56 |
0.65 |
0.68 |
0.65 |
0.49 |
0.34 |
0.26 |
0.26 |
0.26 |
0.38 |
Selected Financial Ratios (%)
|
| Dividend cover for ordinary
shares (number of times) |
1.57 |
1.55 |
2.15 |
2.46 |
1.17 |
4.14 |
3.03 |
3.15 |
3.18 |
3.32 |
| Cost-to-income |
39.4 |
43.3 |
42.5 |
44.3 |
46.7 |
43.7 |
42.0 |
43.7 |
50.7 |
42.5 |
| Return on assets excluding
one-time items and
goodwill charges |
0.80 |
0.84 |
1.15 |
1.15 |
0.93 |
1.16 |
0.97 |
0.85 |
0.69 |
1.28 |
| Return on assets |
0.79 |
0.79 |
1.15 |
1.20 |
0.46 |
1.19 |
0.69 |
0.73 |
0.75 |
1.28 |
| Return on shareholders’ funds
excluding one-time items
and goodwill charges |
8.4 |
10.1 |
12.7 |
12.3 |
9.8 |
12.5 |
10.1 |
9.1 |
8.1 |
12.9 |
| Return on shareholders’ funds |
8.4 |
9.5 |
11.7 |
12.8 |
5.0 |
12.8 |
7.3 |
7.9 |
8.8 |
12.9 |
| Non-performing loans rate |
2.9 |
1.5 |
1.1 |
1.7 |
2.1 |
2.5 |
5.2 |
6.1 |
5.7 |
7.6 |
| Loss allowance coverage |
83 |
114 |
135 |
115 |
97 |
89 |
63 |
59 |
60 |
52 |
Capital adequacy
Tier I |
13.1 |
10.1 |
8.9 |
10.2 |
10.6 |
11.3 |
10.5 |
10.3 |
12.2 |
14.4 |
| Total |
16.7 |
14.0 |
13.4 |
14.5 |
14.8 |
15.8 |
15.1 |
15.5 |
17.4 |
18.9 |
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Prior years’ figures have been restated to make them consistent with current period’s presentation
(1) One-time items arise from gains on sale of properties and/or investments, impairment charges for investments and restructuring costs
(2) Includes financial assets/liabilities at fair value through profit or loss
(3) Per ordinary share figures have been adjusted for rights issue in 2008 (exercised in January 2009)
(4) Dividend amounts are on gross basis prior to Fourth Quarter 2007 and on one-tier tax-exempt basis thereafter. 2000 and 2006 include
special dividends of 13 cents and 4 cents respectively
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