Annual Reviews & Report


Our strategy, announced in November 2015, will address our performance issues and reposition our business on a strengthened platform. We have made substantial strides in securing the Group’s foundations, we continue to take action to get leaner and more focused, and we are creating capacity to invest. In this environment, these are the essential priorities that will ensure we stay fit and able to take advantage of attractive opportunities as they become available, and when other banks may be less able to react.

Who we are

We are a leading international banking group, with around 84,000 employees and a 150-year history in some of the world’s most dynamic markets. We bank the people and companies driving investment, trade and the creation of wealth across Asia, Africa and the Middle East. Our heritage and values are expressed in our brand promise, Here for good.

Our business activity is founded on a robust Risk Management Framework

We manage our risks to build a sustainable franchise, in the interests of all our stakeholders. We only take risk within our risk tolerances and risk appetite, and where consistent with our approved strategy.


We manage our risk profile so as to maintain a low probability of an unexpected loss event that would materially undermine the confidence of our investors
We seek to anticipate material future risks, learn lessons from events that have produced adverse outcomes and ensure awareness of known risks

We execute our business to the highest standards of conduct

We uphold the Group’s brand promise, Here for good, and our Code of Conduct, through the way we conduct our business
Good conduct is the creation of an appropriate business strategy aligned to our stated risk tolerances and the execution of business in accordance with both
We are guided by both the letter and the spirit of laws and regulations
Our success in living up to the highest standards of conduct is measured by our ability to achieve fair outcomes for clients, investors, our reputation and the markets in which we operate