Hongkong and Shanghai Bank Corporation Limited

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

• Higher interest rates

Open a SmartMoney Account with a minimum fixed deposit of Rs. 25,000
and get high returns. We have special rates for special tenors.
• Free savings account
Get a free+ savings account, without having to maintain any Average
Quarterly Balance (AQB).
• Upto 90% overdraft facility
You can withdraw up to 90% through an overdraft facility. You can pay
interest only on the amount overdrawn, while you earn interest on
100% of your fixed deposit
• Anytime access
Access your Smart Money Account 24 hours a day through our
ATMs, Phone Banking, Internet Banking. You also get your own
personalised chequebook.
• Free HSBC credit card
Make the most of your hard-earned money with money saving
features and value added benefits. The HSBC International debit
card# allows you to withdraw up to Rs. 25,000 per day, with higher
withdrawal limits for PowerVantage and HSBC Premier customers.
• Free online bill payment services
Make all your bill payments online and avoid the hassles of physical
payments. It's convenient and quick.
 No Frills Savings Account
Zero minimum balance requirement

• You can access your account through any VISA ATM in

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

• You can purchase, hold and sell shares in electronic form

• Get your Holding statement every 3 months, showing current portfolio
of shares
• Avail of an Overdraft up to Rs.20 lakhs available against Demat shares
through Asset Link#
• As an NRI, you can easily dematerialise your portfolio of shares in India
with us*
• If you already hold an HSBC Current/Savings account, there be no
account opening charges and no minimum balance requirements for
your Demat Account
• You can save on transaction costs with quick transfers
• Say goodbye to risk of loss, theft or mutilation of shares
• Now, stop worrying about bad deliveries, forgeries and duplicate share
certificates
 HSBC Corporate Employee Programme
• Greater Choice
The Corporate Employee Programme offers a range of products and
services which include a choice of salary accounts, Wealth Management
Services, a Reimbursement account, special offers on HSBC credit cards
and preferential pricing across Home Loans.
• Greater Financial Expertise
A dedicated Corporate Employee Programme Relationship Manager will
assist you in your banking and financial planning needs.
• Greater Security
On HSBC's Internet Banking your financial information is protected by a
sophisticated combination of a unique Username and Password, and a
one-time Security Code generated by your Online Security Device.
• Greater Convenience
Get unlimited access to HSBC , Transfer funds with accounts maintained
with HSBC India, Pay Bills and do a lot more through the 24x7 Internet
Banking and Automated Phone Banking Services.
 HSBC Smart Home Loan
We understand buying a loan is a long term commitment

• Save up to 50% on interest payments: With every Smart

Home, you get a current account. All that is needed to be
done is put the usual savings, from other accounts, into
the Smart Home Account. Depending on the savings that
is put into the Smart Home Account, you can reduce the
quantum of interest paid by up to 50%.

• Here's how Smart Home works to save money: The home

loan interest is calculated, on the principal outstanding
minus the savings deposited in your Smart Home Account
every month, over and above the EMI.
 HSBC Education Loans
We recognize that education is the greatest asset that anyone can have
• Loans upto 1 crore against Residential Property
• Tenure of upto 15 years
• Attractive interest rates
• The tuition fees component can go up to 100% of the total loan
amount
• The lodging & boarding component is a maximum of 40% of the
total loan amount
• The cost of books & equipment component is a maximum of 10%
of the total loan amount
• The loan is disbursed in Indian rupees (INR) from where the funds
are forwarded to the concerned school in U.S. dollars
• The applicant / co-applicant must repay the loan in Indian Rupees
(INR)
 Risk Management
• Risk is inherent part of Bank’s business. Effective Risk
Management is critical to any Bank for achieving financial
soundness. In view of this, aligning Risk Management to
Bank’s organizational structure and business strategy has
become integral in banking business. Over a period of
year, Hongkong and Shanghai Bank Corporation (HSBC)
has taken various initiatives for strengthening risk
management practices. Bank has an integrated approach
for management of risk and in tune with this, formulated
policy documents taking into account the business
requirements / best international practices or as per the
guidelines of the national supervisor
 Operational Risk Management
• Operational Risk, which is intrinsic to the bank in all its material
products, activities, processes and systems, is emerging as an
important component of the enterprise-wide risk management
system. The Bank has adopted a Comprehensive Operational Risk
Management Policy. This would entail the bank to move towards
enhanced level of sophistication in the years ahead and to capture
qualitative and quantitative measures of Operational Risk
indicators in management of operational risk.

• Bank has comprehensive system of internal controls, systems and

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

• 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