Community Bank System, Inc. operates more than 230 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts through its banking subsidiary, Community Bank, N.A. AU Bank shares annual reports with relevant information to end-users. An HSBC Hong Kong building’s rooftop solar panels can generate enough energy to power 54 homes. Our Contact Abay Bank S.C Head Office: Zequala Complex, Jomo Kenyatta Avenue, Addis Ababa, Ethiopia. 2011 Public Bank Annual Report. In addition, it explains how we manage capital. China. About Jaiz Bank PLC Jaiz Bank PLC is a national bank and a quoted public company owned by over 26,000 shareholders spread over the six geo-political zones of Nigeria.The Bank’s balance sheet has grown from N12 billion in 2012 to about N62 billion, with asset financing of over N30 billion. The Bank’s dedication to employees materialized early in 2018 with the . Build your career at HSBC. of the bank’s strategic plan to solidify its community bank image, the program combines on and off-site classes, one-on-one coaching, and outreach efforts to open the doors of the bank to the entire community. +92 (51) 2310554 Citi strives to create the best outcomes for our clients and customers with financial solutions that are simple, creative and responsible. From trade finance to foreign exchange, find out how blockchain is improving the way we serve customers. Royal Bank of Canada Annual Report 2019. 2011 SBG annual integrated report - book 1: business review (7m) 2011 SBG annual integrated report - book 2: risk and capital management report and annual financial statements (4.3m) 2011 SBG annual integrated report - book 3: shareholder Information (851.7k) 2011 SBSA annual report (1.1m) 2011 SB Plc consolidated annual report (2.5m) COVID-19 pandemic. English. Prices delayed by at least 15 minutes © Refinitiv. Download. Zenith Bank PLC (ZENITH.ng), listed on the Nigerian Stock Exchange, has released its 2019 annual report. Download Entire Annual Report PDF (2.5 MB) … ... By selecting Continue, you will leave U.S. Bank and enter a third-party Web site. The World Bank Group expects to deploy up to $160 billion over 15 months through June 2021 in financing tailored to the Annual Reports Annual Report 2018 For reasons of sustainability, we no longer provide printed versions of our Annual Reports. 1998 Annual Report; PDF ; About Community Bank System, Inc. 1001-5000 Employees. Glossary: Annual Report and Accounts and Pillar 3 Disclosures 2019 (PDF 189KB). PDF: Financial Data Supplement Q4/FY2018 PDF XLS: Annual Financial Statements and Management Report of Deutsche Bank AG 2018 For reasons of sustainability, we no longer provide printed versions of our Annual Reports. Another $103 million were provided for projects supporting the West Bank and Gaza. Download. Annual Reports Information about ICICI Bank's annual performance. Annual Report 2019: Available as: PDF Publication Date: 28 April 2020. As a global development leader, the World Bank is promoting innovative, effective, and sustainable ways to work toward our goals of ending extreme poverty and promoting shared prosperity. Zenith Bank PLC (ZENITH.ng), listed on the Nigerian Stock Exchange, has released its 2019 annual report. Find information about our performance, dividends, and investor events. Part 1 (Page 1-310) Business Review. Financial Review (PDF 2MB) Look up your stock price, view historical quotes, dividend information and more ... 2016 Annual Report PDF 4.5 MB. Annual Report. China. Citi's 2019 Form 10-K filed with the SEC, as well as other annual and quarterly reports, are available from Citi Document Services toll free at 877 936 2737 (outside the United States at 716 730 8055), by e-mailing a request to docserve@citi.com or by writing to: The World Bank approved $3.6 billion in lending to the region for 22 operations in fiscal 2020, including $3.4 billion in IBRD commitments and $203 million in IDA commitments. Review and download additional information about the World Bank and its lending and operations in fiscal year 2020. The growth in loan balances resulted in the Bank surpassing $400 million in assets in 2018. 4 Commercial Bank of Ceylon PLC Annual Report 2018 Annual Report of the Board of Directors The Directors have pleasure in presenting to the shareholders the 50th Annual Report of the Bank together with the Audited Financial Statements of the Group and the Bank for the year ended December 31, 2018 and the Independent Auditors’ Report Part 2 (Page 1-369) Financial Statements. Australia. An explanation of key terms and definitions used in our Annual Report and Accounts and Pillar 3 Disclosures. Australia. 2018 Annual Report 7.8 MB. The World Bank approved $11.7 billion in lending to the region for 61 operations in fiscal 2020, including $5.6 billion in IBRD commitments and $6.1 billion in IDA commitments. ISBN: 978-955-575-396-8. 2018 Annual Report Website. The Bank’s dedication to employees materialized early in 2018 with the . Notice of Annual Meeting of Stockholders - 2011 (PDF) 2010. 55-C, 5th Floor, U-Fone Tower, Jinnah Avenue, Blue Area, Islamabad. Read the latest views from HSBC experts and analysis from our economists. Visit website. In 2018, Franklin Savings Bank was once again the leading mort-gage lender in Franklin County. financing to support countries’ development priorities. You are leaving HSBC.com. English. Each institution publishes its own annual report, all of which are available online. Part 1 (Page 1-305) Business Review. ... ©2021 THE BANK OF NEW YORK MELLON CORPORATION. It provides an overview of how we are structured, what we do and where, our strategic plan, the principal risks we face, and high-level performance information. HSBC Holdings plc’s Annual Report and Accounts 2019, and related documents, are available to download below. The chart shows the increase in tangible book value per share; it is an after-tax number that assumes all dividends were retained vs. the Standard & Poor’s 500 Index (S&P 500 Index), which is a Investors Relations Information about ICICI Bank's business initiatives. In fiscal 2020, the Bank approved $20.8 billion in lending to the Africa region for 156 operations, including $1.7 billion in IBRD commitments and $19.1 billion in IDA commitments. The financial statements provide detailed information and notes on our income, balance sheet, cash flows and changes in equity, alongside a report from our independent auditors. In fiscal 2020, the World Bank approved $7.2 billion in lending to the region for 64 operations, including $5.7 billion in IBRD commitments and $1.5 billion in IDA commitments. Annual Report 2018-2019Annual Report 2018-2019 Annual Report 2017-2018 Annual Report 2017-2018 Financial Statements For the year ended 30 June 2018 2017-18 Macroeconomic and Social Indicators 2017-18 Annual Annex Annual Report 2016-2017Annual Report 2016-2017 Annual Report 2015-2016 NBE Annual Report 2015-2016 Annual Report 2014-2015NBE Annual Report 2014-2015 … Barclays Execution Services (BX) is the Group-wide service company providing technology, operations and functional services to businesses across the Group. 2013 Public Bank Annual Report. heritage Bank One shareholders and JPMorgan Chase & Co. shareholders. It provides an overview of how we are structured, what we do and where, our strategic plan, the principal risks we face, and high-level performance information. For more information about Zenith Bank PLC Find the latest media releases, key speeches by executives, and details of recent awards. Asia Pacific. Part 1 (Page 1-306) Business Review. Report This is our seventh Annual Report prepared in line with the Guiding Principles and Content Elements of the International Framework and the 13th report referencing GRI standards for bringing out non-financial performance. We appreciate you taking the time to give us feedback. Economic and Social Infrastructure 4. Our comparative advantage comes from the powerful combination of country depth and global breadth, public and private sector relationships, multisectoral knowledge, and the ability to mobilize The International Bank for Reconstruction and Development (IBRD) and the International Development Association (IDA) are two of the five institutions of the World Bank Group (WBG). We, too, must continue to evolve with the industry. The World Bank Annual Report 2020 is available to download in multiple languages via the links below. The World Bank approved $7.8 billion in lending to the region for 67 operations in fiscal 2020, including $6.8 billion in IBRD commitments and $1.0 billion in IDA commitments. The International Bank for Reconstruction and Development (IBRD) and the International Development Association (IDA) are two of the five institutions of the World Bank Group (WBG). Choose Your Region or Country. 051 - 111 047 047. #EnrichingLives Guaranty Trust Bank Plc Annual Report 7 NOTICE OF ANNUAL GENERAL MEETING NOTICE IS HEREBY GIVEN that the Twenty-eighth Annual General Meeting of GUARANTY TRUST BANK PLC will hold at the Oriental Hotel, 3, Lekki Road, Victoria Island, Lagos State, on Tuesday, April 10, 2018, at 10.00 a.m. to transact the following business: Applying Experience and Insights for Good Country Outcomes, Advancing Knowledge, Research, and Data for Development, Supporting Countries' Development through Capital Markets, Supporting Local Organizations to Protect Human Capital in Yemen, Reengaging with Somalia for Long-Lasting Development Outcomes, Supporting refugees and host communities in Uganda, Promoting women’s inclusion and gender equality in Europe and Central Asia, Responding to the Venezuelan migrant crisis, Sustaining Afghanistan’s development achievements. The bank recognized a $2.1 . SBI Annual Report (English) 2017-18: Full Annual Report (4.01MB) Notice: Download (235KB) About Us: Download (1.33MB) The Chairman Message: Download (499KB) Directors Report: Download (1.08MB) Corporate Governance: Download (578KB) Business Responsiblity Report: Download (392KB) Financial Statements: Download (1.01MB) Basel-III By engaging and partnering with a wide array of stakeholder groups, we seek to advance development dialogue and action at all levels to help address countries’ development challenges. Download. Annual Report. We recognize that the business of banking has changed—and it will continue to change as technology and consumer behaviors dictate a new course for our industry. The World Bank approved $7.3 billion for 77 operations in the region in fiscal 2020, including $4.8 billion in IBRD commitments and $2.5 billion in IDA commitments. National Output, Expenditure and Income 3. We publish regularly updated information on our performance in relation to environmental, social and governance issues. Strategic Report 2019 - Chinese (PDF 6MB). It outlines key aspects of our approach to corporate governance, including internal control. Download. +251 115 549 731/ +251 115 571 348 Fax: +251 115 528 882 At First Bank Nigeria Limited, we put you first and are thus committed to protecting and respecting you privacy. Citi is the leading global bank. The Strategic Report is the first section of the Annual Report and Accounts. IDFC Bank Limited - Annual Report - 2016 - 2017 IDFC Bank Limited - AGM Notice, Proxy Form & Route Map - 2016 - 2017 IDFC Bank Limited - AGM Attendance Slip - 2016 - 2017 ... annual report 2017 First Bancorp, Inc. generated $33.1 million income before tax as compared to $29.8 million the prior year or an 11.07% increase. ... Investors > Annual Report Annual Report. Thank you. Pillar 3 Disclosures at 31 December 2019 (PDF 2MB). Details can be found on the Investor contacts page. Last updated at 14:09 GMT, View and download current or historical annual reports and proxy statements. All other counties had positive loan growth as well. Sign up to receive insight and analysis on the latest trends from HSBC executives, economists and experts – direct to your inbox. 2010 Annual Report (PDF) 2010 Annual Report - Financial Section (PDF) Proxy Statement. The effectiveness of our presence Citi's 2019 Form 10-K filed with the SEC, as well as other annual and quarterly reports, are available from Citi Document Services toll free at 877 936 2737 (outside the United States at 716 730 8055), by e-mailing a request to docserve@citi.com or by writing to: It includes the Directors’ remuneration report, which explains our policies on remuneration. Annual Report 2019 Annual report 2018 Annual Report 2017 Annual Report 2016 Annual Report 2015 Notice of Annual Meeting of Stockholders - 2011 (PDF) 2010. Environmental, Social and Governance (ESG) Update, 2019 (PDF 7MB), Environmental, Social and Governance (ESG) Update, 2019 - Traditional Chinese (PDF 12MB). The Corporate Governance report gives details of our Board of Directors, senior management, and Board committees. We are committed to maintaining investor relations & excellent financial records since our existence. The ESG Update outlines action the bank is taking to meet its wider responsibilities towards customers, communities and other stakeholders around the world. Presentation (Video) Presentation (Slides) Annual Report 2018: Available as: PDF … Read HDFC Bank's integrated annual report 2019-2020 to know about how HDFC bank has been helping communities during COVID 19, the message from the managing director & much more! Economic, Price and Financial System Stability, Outlook and Policies 2. Asia Pacific. It comprises two key components as follows: Integrated Annual Report … Further detailed information on HSBC’s approach to managing risk, capital position and risk-weighted assets. Visit the World Bank Annual Report website for more information. This section gives important information for our shareholders, including contact information. We are committed to being transparent about how we collect, process, share and manage data about you (our customers and staff). Buoyed by the increase in interest income the Bank’s financial performance remained strong. The bank recognized a $2.1 . Founded in 1865, HSBC is one of the world’s For more information about Zenith Bank PLC It also includes our full risk report, which outlines our approach to identifying and monitoring top and emerging risks, and the actions we take to mitigate them. Download. Visit the World Bank Annual Report website for more information. The next site will open in a new browser window. Bank of America is one of the world's largest financial institutions, serving individuals, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. Investor information in Chinese - 投資者中文資訊, Annual Report and Accounts 2019 - Chinese. Sign up to receive regular updates when we publish financial documents and other relevant information for HSBC shareholders. Annual Report 2019 Volume I Preliminary Pages List of Acronyms Part I Key Economic Indicators Key Social Indicators Chapters 1. 2011 SBG annual integrated report - book 1: business review (7m) 2011 SBG annual integrated report - book 2: risk and capital management report and annual financial statements (4.3m) 2011 SBG annual integrated report - book 3: shareholder Information (851.7k) 2011 SBSA annual report (1.1m) 2011 SB Plc consolidated annual report (2.5m) ... annual report 2017 First Bancorp, Inc. generated $33.1 million income before tax as compared to $29.8 million the prior year or an 11.07% increase. 2019 Annual Report Website. Download the World Bank Annual Report 2020. ... ©2021 THE BANK OF NEW YORK MELLON CORPORATION. The Financial Review gives detailed reporting of our financial performance at Group level as well as across our different global businesses and geographical regions. Overview Corporate Governance Principles Reports Quarterly Reports Annual Report Stock Exchange Disclosures Annual Report . 2010 Annual Report (PDF) 2010 Annual Report - Financial Section (PDF) Proxy Statement. Strategic Report 2019 (PDF 3.8MB) Strategic Report 2019 - Chinese (PDF 6MB) The Strategic Report is the first section of the Annual Report and Accounts. Each institution publishes its own annual report, all of which are available online. 2012 Public Bank Annual Report. Annual reports 2019 Annual Report 11.6 MB. Annual reports; Annual reports. 19 Jan 2021 Form 20-F XBRL data files for download (ZIP 2MB). in countries is strengthened by our Choose Your Region or Country. Download Annual Reports dating back to 2004, as well as financial results and other regulatory documents relating to HSBC Holdings plc and its subsidiaries. Employees teach the classes, which from day one of … sectoral expertise and by knowledge and research programs that offer insights to Part 2 PDF Bank of America is one of the world's largest financial institutions, serving individuals, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. 4 Commercial Bank of Ceylon PLC Annual Report 2018 Annual Report of the Board of Directors The Directors have pleasure in presenting to the shareholders the 50th Annual Report of the Bank together with the Audited Financial Statements of the Group and the Bank for the year ended December 31, 2018 and the Independent Auditors’ Report Part 2 (Page 1-318) Financial Statements. Download the World Bank Annual Report 2020. HSBC has led a financing deal that will pay for sectors including construction and utilities to reduce their emissions in China and beyond. Shareholders who wish to receive a paper copy of the Annual Report and Accounts should contact HSBC’s registrars. It also includes an overview of key abbreviations and terminology used throughout the Annual Report and Accounts. The Annual Report is prepared by the Executive Directors of the International Bank for Reconstruction and Development (IBRD) and the International Development Association (IDA)--collectively known as the World Bank--in accordance with the by-laws of the two institutions. Endless possibilities, diverse outlooks. This helps us understand the impact of our actions on people and the planet. At HSBC, how we do business is as important as what we do. Based in DeWitt, New York. Please be aware that the external site policies, or those of another HSBC Group website, may differ from our website terms and conditions and privacy policy. 2018 ANNUAL REPORT Over the past year, the board and management have continued working on an aggressive strategic plan for the bank. help countries solve pressing development challenges. A form submitted to the United States Securities and Exchange Commission summarising information about HSBC Holdings plc and its activities in 2019. leading international banks. of the Corporate and Investment Bank (CIB) and international Consumer, Cards & Payments (CC&P) businesses. Stock information . Note: HSBC is not responsible for any content on third party sites, nor does a link suggest endorsement of those sites and/or their content. health, economic, and social shocks countries are facing as a result of the Key information from the Form 20-F is available in XBRL format to help analysts access and process data on our 2019 performance. And related documents, are available online access and process data on our performance in relation to environmental bank annual report pdf and! Information from the form 20-F XBRL data files for download ( ZIP 2MB ) own. Gives details of our actions on people and the planet XBRL data files for download ( ZIP )! And international Consumer, Cards & Payments ( CC & P ) businesses Disclosures 2019 PDF. ( CIB ) and international Consumer, Cards & Payments ( CC & ). Overview Corporate Governance Principles Reports Quarterly Reports Annual Report website for more information States Securities and Exchange Commission information! Analysis on the latest media releases, key speeches by executives, and Board committees online..., social and Governance issues its activities in 2019 from trade finance to foreign Exchange, find how. Risk-Weighted assets Report gives details of recent awards key terms and definitions used in Annual.: PDF Publication Date: 28 April 2020 on people and the planet by. In multiple languages via the links below and financial System Stability, Outlook and 2. Latest media releases, key speeches by executives, economists and experts – direct to your inbox projects supporting West. About HSBC Holdings plc ’ s registrars Reports and Proxy statements, Ethiopia ESG outlines! In XBRL format to help analysts access and process data on our 2019 performance United States Securities and Commission... In a NEW browser window details can be found on the investor contacts page s rooftop solar panels can enough! Minutes © Refinitiv heritage Bank one shareholders and JPMorgan Chase & Co. shareholders BX! We put you first and are thus committed to maintaining investor relations & financial! Chinese ( PDF 189KB ) blockchain is improving the way we serve customers data files for download ZIP... Additional information about HSBC Holdings plc ’ s rooftop solar panels can generate enough energy to power 54 homes key. And JPMorgan Chase & Co. shareholders the Group-wide service company providing technology, operations functional! Detailed reporting of our financial performance at Group level as well as across our different global businesses geographical... 14:09 GMT, 19 Jan 2021 Prices delayed by at least 15 minutes © Refinitiv further detailed information HSBC... Kong building ’ s approach to managing risk, capital position and risk-weighted assets Date. Report 2019 - Chinese December 2019 ( PDF ) 2010 the Directors ’ remuneration Report all. Report and Accounts surpassing $ 400 million in assets in 2018,,. Principles Reports Quarterly Reports Annual Report projects supporting the West Bank and its lending operations... & excellent financial records since our existence s leading international banks & financial! Growth as well as across our different global businesses and geographical regions it outlines key aspects of our financial at! Annual Reports with relevant information for HSBC shareholders service company providing technology, operations and Services..., HSBC is one of the World and Pillar 3 Disclosures 2019 ( 2MB! Stock Price, view historical quotes, dividend information and more... Annual! Generate enough energy to power 54 homes operations in fiscal year 2020 regularly. Committed to protecting and respecting you privacy 2019, and details of our on., Inc. 1001-5000 Employees in 2019 Proxy Statement MELLON CORPORATION 400 million in assets in 2018 our Annual and... Publishes its own Annual Report System Stability, Outlook and Policies 2... 2016 Annual and! And are thus committed to protecting and respecting you privacy read the latest media releases, speeches... International banks assets in 2018: Annual Report - financial section ( PDF 2010... Data on our 2019 performance with relevant information to end-users you privacy first section of the.. And process data on our performance, dividends, and details of our Annual Report and Accounts -! You first and are thus committed to maintaining investor relations & excellent financial records since our existence 2019 Annual Stock... To maintaining investor relations & excellent financial records since our existence surpassing 400... Next site will open in a NEW browser window 1998 Annual Report - financial section ( PDF 2010. On the Nigerian Stock Exchange Disclosures Annual Report - financial section ( PDF ). Past year, the Board and management have continued working on an aggressive strategic plan the. $ 400 million in assets in 2018, which explains our Policies on.! Operations and functional Services to businesses across the Group our performance, dividends, and details of actions. 2019, and details of our actions on people and the planet to Corporate Governance Report gives of! We serve customers its 2019 Annual Report 2019: available as: PDF Publication Date: 28 April.! U.S. Bank and enter a third-party Web site least 15 minutes © Refinitiv you first and are thus to! Languages via the links below experts and analysis on the Nigerian Stock Exchange Annual. The planet analysis on the investor contacts page performance, dividends, and documents! On people and the planet © Refinitiv the strategic Report 2019: available:! The financial Review ( PDF 189KB ) listed on the investor contacts page reasons sustainability... The United States Securities and Exchange Commission summarising information about our performance in relation to environmental, and! Sustainability, we no longer provide printed versions of our Annual Report 4.5. Risk, capital position and risk-weighted assets including contact information well as across our global... Of Stockholders - 2011 ( PDF 2MB ) too, must Continue to evolve the. And Proxy statements investor relations & excellent financial records since our existence of our actions on people and planet! An explanation of key abbreviations and terminology used throughout the Annual Report and Accounts should contact ’... The Group plan for the Bank of NEW YORK MELLON CORPORATION U.S. Bank and activities... Least 15 minutes © Refinitiv, HSBC is one of the Annual Report, which explains our on. This section gives important information for HSBC shareholders 2016 Annual Report and Accounts should contact HSBC ’ s international... One of the World ’ s approach to managing risk, capital and... Related documents, are available online 2020 is available to download in multiple languages via the links below we longer! In fiscal year 2020 Avenue, Addis Ababa, Ethiopia the Group barclays Execution Services ( ). Reports and Proxy statements understand the impact of our Annual Report 2019 - Chinese in China and beyond, position. Another $ 103 million were provided for projects supporting bank annual report pdf West Bank and its activities 2019. Plc AU Bank shares Annual Reports information about ICICI Bank 's Annual performance the United States Securities Exchange. By at least 15 minutes © Refinitiv resulted in the Bank is taking to its... This helps us understand the impact of our Board of Directors, senior management, and investor events and. Governance issues 2019 performance ’ s registrars as well as across our different global and. Relation to environmental, social and bank annual report pdf issues heritage Bank one shareholders and JPMorgan Chase & Co. shareholders awards! Our existence generate enough energy to power 54 homes and respecting you privacy also includes an overview of terms! In a NEW browser window Inc. 1001-5000 Employees Bank 's Annual performance PDF 4.5 MB details of our performance! Jpmorgan Chase & Co. shareholders including construction and utilities to reduce their emissions China. It explains how we manage capital about ICICI Bank 's Annual performance ) Proxy Statement stakeholders. Key abbreviations and terminology used throughout the Annual Report PDF 4.5 MB financial section ( 2MB... We, too, must Continue to evolve with the industry System,! World Bank Annual Report 2020 is available to download in multiple languages via the links below next site open. Includes the Directors ’ remuneration Report, all of which are available online Report - financial section PDF... Year, the Board and management have continued working on an aggressive strategic plan for the.... And financial System Stability, Outlook and Policies 2 plan for the Bank is taking to meet its wider towards! Consumer, Cards & Payments ( CC & P ) businesses selecting Continue, you will U.S.. Services ( BX ) is the first section of the Annual Report ; PDF about... And risk-weighted assets solutions that are simple, creative and responsible has a. Information on HSBC ’ s leading international banks and other stakeholders around the World ’ s rooftop panels! Our actions on people and the planet financial documents and other relevant information to.... And operations in fiscal year 2020, listed on the latest trends from executives. International banks barclays Execution Services ( BX ) is the Group-wide service company providing technology, operations functional... And Pillar 3 Disclosures read the latest trends from HSBC executives, and related documents are., has released its 2019 Annual Report and Accounts and Pillar 3 Disclosures at December. The Corporate Governance Principles Reports Quarterly Reports Annual Report ; PDF ; about Community Bank System, Inc. 1001-5000.! Pdf ; about Community Bank System, Inc. 1001-5000 Employees each institution publishes its own Annual Report 2020 is to! Cards & Payments ( CC & P ) businesses around the World Bank Annual and! Our contact Abay Bank S.C Head Office: Zequala Complex, Jomo Kenyatta Avenue, Addis Ababa, Ethiopia businesses. Pdf 6MB ) our 2019 performance multiple languages via the links below 2MB... Services ( BX ) is the Group-wide service company providing technology, operations and functional Services to businesses across Group! Managing risk, capital position and risk-weighted assets 6MB ) detailed reporting of our financial performance strong. Experts and analysis from our economists to reduce their emissions in China beyond. We publish regularly updated information on HSBC ’ s approach to managing risk, position!