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The ‘Valuation for solvency purposes’ and ‘Capital management’ sections of the Solvency and Financial Condition Report of the Company as at 31 December 2021, (‘the Narrative Disclosures subject to audit’); and. Company templates S.02.01.02, S.12.01.02, S.23.01.01, S.25.01.21 and S.28.01.01 (‘the Templates subject to audit’).

Bermuda hsbc. Recycled cards - a more sustainable way to pay. We're the first bank in Bermuda to issue cards made from recycled plastic. This is part of our global strategy to reduce our carbon emissions and achieve the goal of being net zero by 2050. Our cards will be made from 85% recycled PVC plastic. We're already issuing recycled cards for our ...

For a copy of the prospectus, key investor information document, supplementary information document, annual and semi-annual reports, information on portfolio holdings or other matters, please contact your local HSBC Group office, contact our team of liquidity specialists in your region:

Our MySavings Youth Account is Bermuda's only savings account for customers aged 7 to 17 years old. Introducing... payment alerts Close. ... Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.A BMD denominated card that earns you 1.5 reward points for every $1 you spend. Earn 1.35 reward points for every $1 you spend with our HSBC Advance exclusive card. Earn 1.2 reward points for every $1 you spend with this worldwide friendly card. Exclusively for use in Bermuda, this everyday card comes with a range of dining and shopping benefits.Set-up online banking. Customise your internet banking experience that keeps up with the mobility of your business. Help you navigate the business landscape in Bermuda.Bermuda is a territory of 138 islands in the North Atlantic Ocean. This cluster of islands is located off the East Coast of the United States. Bermuda also lies 650 miles east of W...If you are able to access the HSBC Bermuda Mobile Banking app from an alternative portable device, go to the option 'Manage Devices' which is available under the 'Profile' section in the app menu. You then need to select 'remove device' underneath the device which has been lost or stolen from you.Sustainable wealth and investments. We're constantly evolving our products and services to make banking more sustainable and energy efficient. We're the first bank in Bermuda to issue new bank cards made from 85% recycled plastic.Get started on your mortgage journey by making an appointment with one of our mortgage specialists to request a pre-approval. We'll let you know exactly what you need to do. How to apply. We offer competitive mortgage rates whether you're a first-time buyer or seeking a home loan to expand your portfolio. Apply now to insure your biggest asset.From the Bermuda Triangle to the disappearance of Amelia Earhart, there are many conundrums that boggle our minds and leave us scratching our heads, scavenging the internet for rab...

Branch Services. Immediate cash deposit ATM. 24 hour ATM. Online banking and Wi-Fi. Teller service (9:00 - 16:00) Advance Order PickUp. Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Bermuda Overseas Branch Register (opens in new window) United States ADR Depositary (opens in new window) To register, you will need your Shareholder Reference Number, which can be found on your share certificates, dividend tax vouchers, and other shareholder communications. ... HSBC has appointed Georgeson – a business specialising in ...Careers. HSBC is one of the world’s leading international banks. Whether you are looking for a first job or taking the next step in your career, we offer many ways for you to realize your ambitions. Come and work with us and you’ll have opportunities to make connections all over the world and help build the bank for the future.HSBC Bank Bermuda Limited Consolidated Financial Statements 2020. This pdf document provides the audited financial results of HSBC's subsidiary in Bermuda, including the balance sheet, income statement, statement of changes in equity, and notes to the accounts. It also contains the independent auditor's report and the directors' report. … Contact details. What is your reason for getting in touch? Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee ... HSBC Personal Internet Banking Terms and Conditions. 1 All HSBC Personal Internet Banking clients with an HSBC personal checking, savings, Certificate of Deposit (CD) or credit card account are automatically covered. HSBC's $0 Liability, Online Guarantee is applicable to client transactions covered by Federal Regulation E.For example, HSBC Bermuda is the beneficiary bank and not the beneficiary. Bank-to-bank information fields should not be used to identify the various parties in a payment. These instructions are standard international payment instructions that should be easily understood by the remitting bank. Failure of a bank to format the payment correctly ...

ATM banking. HSBC ATMs can be found in many convenient locations across the island with several accessible 24 hours a day, 7 days a week. Our ATMs offer you the following services: Deposit of cash or HSBC cheques, via envelope, for same day credit 1. 1 Same day credit if deposited before 2pm on business days. HSBC Bank Bermuda Limited (formerly Bank of Bermuda Limited) is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. The Bank provides a wide range of financial products and services including savings accounts, foreign transfers, personal loans, education loans, … 31 Dec 2020 HSBC Bermuda’s hours of operation during the week of January 4th, 2021 English PDF 208.42 KB. 16 Dec 2020 Changes to HSBC Bermuda’s hours of operation over the holiday period English PDF 279.05 KB. 8 Dec 2020 HSBC’s Church Street branch to close on Monday English PDF 200.52 KB Bermuda is a territory of 138 islands in the North Atlantic Ocean. This cluster of islands is located off the East Coast of the United States. Bermuda also lies 650 miles east of W...Advantages of having a pre-approved mortgage. we aim to confirm your pre-approval on the same day you apply. you'll know the price range of homes you can afford. pre-approved financing makes your offer more attractive to sellers. pre-approval is valid for up to 90 days. it's free to apply and there's no obligation to accept any mortgage offer.Everyday Savings Account. Keep your money easily accessible for deposits, transfers and withdrawals. Access your accounts 24 hours per day with secure online and mobile banking. Set up automatic transfer of a regular fixed sum into your savings account. Start a positive savings habit with our easy access account. Find out more.

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If you are able to access the HSBC Bermuda Mobile Banking app from an alternative portable device, go to the option 'Manage Devices' which is available under the 'Profile' section in the app menu. You then need to select 'remove device' underneath the device which has been lost or stolen from you. We would like to show you a description here but the site won’t allow us. When it comes to summer fashion, one item that should not be overlooked is the Bermuda shorts. These stylish and versatile bottoms have become a staple in many wardrobes, and for g...HSBC Bank Bermuda Limited (formerly Bank of Bermuda Limited) is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. The Bank provides a wide range of financial products and services including savings accounts, foreign transfers, personal loans, education loans, credit and debit …If you're an HSBC Advance or HSBC Premier customer we'll give you the option to speak to one of our customer service representatives, regardless of what time you call. For a complete list of HSBC Bermuda telephone numbers, visit Contact Us. Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed ...

HSBC has been supporting sovereign wealth managers, asset managers, pension funds and insurance companies for more than 100 years with its demonstrated global custody services. This includes performance analytics, asset services and more. With our on-the-ground presence in key markets around the world and our robust custodian network that ...The HSBC Bermuda app has been specially built for our customers*, with reliability at the heart of its design. Enjoy security and convenience with these great features: • View your account balances. • Make Transfers between your accounts. • Make Transfers to local third-party accounts you have set-up. • Pay Bills.11:00 am. Bank Stationery. 12:00 pm. Value Effected (if within cut off time) 24 hours of value date. Foreign currency-denominated transactions will be affected by fluctuations in currency rates where there is a need to convert from between your currency and the foreign currency. HSBC Bermuda is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. Head office HSBC Bank Bermuda Limited, 37 Front Street, Hamilton HM 11, Bermuda. HSBC Bank Bermuda Limited (formerly Bank of Bermuda Limited) is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. The Bank provides a wide range of financial products and services including savings accounts, foreign transfers, personal loans, education loans, … Everyday Savings Account. Keep your money easily accessible for deposits, transfers and withdrawals. Access your accounts 24 hours per day with secure online and mobile banking. Set up automatic transfer of a regular fixed sum into your savings account. Start a positive savings habit with our easy access account. Find out more. HSBC Bermuda is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. Head office. HSBC Bank Bermuda Limited, …The HSBC Bermuda app has been specially built for our customers*, with reliability at the heart of its design. Enjoy security and convenience with these great features: • View your account balances. • Make Transfers between your accounts. • Make Transfers to local third-party accounts you have set-up. • Pay Bills.Retail Banking and Wealth Management – Bermuda. To help fight against tax evasion and protect the integrity of tax systems, governments around the world are introducing a new information-gathering and reporting requirement for financial institutions. This is known as the Common Reporting Standard (“the CRS”) and we’d like to help you ...Apply online. 1 Daily ATM withdrawal limit is $2,000 for standard bank accounts, $2,500 for Advance customers and $3,000 for Premier customers. If you need to withdraw more than your daily maximum, you can do so by visiting your local branch. Withdrawal limits and charges may vary when withdrawing money at ATMs outside Bermuda.HSBC Bermuda is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. Head office HSBC Bank Bermuda Limited, 37 Front Street, Hamilton HM 11, Bermuda.HSBC Bermuda is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. Head office HSBC Bank Bermuda Limited, 37 Front Street, Hamilton HM 11, Bermuda.

A BMD denominated card that earns you 1.5 reward points for every $1 you spend. Earn 1.35 reward points for every $1 you spend with our HSBC Advance exclusive card. Earn 1.2 reward points for every $1 you spend with this worldwide friendly card. Exclusively for use in Bermuda, this everyday card comes with a range of dining and shopping benefits.

Financial crime risk policies. Financial crime risk policies. HSBC is committed to high ethical standards. Our policies on anti-money laundering, sanctions, and anti-bribery and corruption aim to ensure that risks identified by the bank are appropriately mitigated. Anti-Money Laundering Policy Statement.Scheduled to begin in just five weeks, the voyages were a big part of Royal Caribbean's comeback plan for summer cruising. Royal Caribbean is giving up on the idea of making Bermud...HSBC has decided to maintain its Hold rating of Baozun (NASDAQ:BZUN) and lower its price target from $8.00 to $5.00. Shares of Baozun are trading ... HSBC has decided to maintain i...When it comes to summer fashion, one item that should not be overlooked is the Bermuda shorts. These stylish and versatile bottoms have become a staple in many wardrobes, and for g...Apply online. 1 Daily ATM withdrawal limit is $2,000 for standard bank accounts, $2,500 for Advance customers and $3,000 for Premier customers. If you need to withdraw more than your daily maximum, you can do so by visiting your local branch. Withdrawal limits and charges may vary when withdrawing money at ATMs outside Bermuda.HSBC will automatically convert inbound foreign currency payments. If you receive money from abroad on a regular basis, a Foreign Currency Account can be a great solution as it is easier than setting up and managing an account in a foreign country. Global Wallet is a similar solution but allows you to easily open wallets in multiple currencies.HSBC Holdings plc (Chinese: 滙豐), acronym from its founding member The Hongkong and Shanghai Banking Corporation, is a British universal bank and financial services group headquartered in London, England, with historical and business links to East Asia and a multinational footprint. It is the largest Europe-based bank by total assets, ahead of BNP … The HSBC Bermuda app has been specially built for our customers*, with reliability at the heart of its design. Enjoy security and convenience with these great features: • View your account balances. • Make Transfers between your accounts. • Make Transfers to local third-party accounts you have set-up. • Pay Bills. You don't need to visit one of our branches to manage your money with an HSBC bank account. Our online and mobile banking services allow you to access your accounts 24 hours a day, 7 days a week, ... To open a bank account in Bermuda, you’ll need to provide: A valid form of identification. This could be your Passport, a Bermuda Driver's ...

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You can borrow up to. BMD 0.00. the maximum amount you can borrow may be lower depending on the amount of deposit you have available, your Loan To Value (LTV), or following our detailed assessment of your personal circumstances. figures given by this calculator or the provision of a Pre-Approval Letter do not constitute an offer to lend to you.Apply online. 1 Daily ATM withdrawal limit is $2,000 for standard bank accounts, $2,500 for Advance customers and $3,000 for Premier customers. If you need to withdraw more than your daily maximum, you can do so by visiting your local branch. Withdrawal limits and charges may vary when withdrawing money at ATMs outside Bermuda.For example, HSBC Bermuda is the beneficiary bank and not the beneficiary. Bank-to-bank information fields should not be used to identify the various parties in a payment. These instructions are standard international payment instructions that should be easily understood by the remitting bank. Failure of a bank to format the payment correctly ...Bank owned Asset Manager means HSBC Asset Management has already solved challenges for the benefit of our individuals end clients across the globe and market segments (mass-affluent, HNW, IFAs); Truly global distribution framework including scalable cross-border funds, locally domestic funds or highly regulated markets and customised …Bermuda is finally dropping quarantine for arrivals, and airlines are adding flights. Visiting the pink sands of Bermuda just got a little easier. Starting this week, the island na...To send international wire payments you need to know the following information about the person or company receiving the money: 1. The beneficiary’s name, address and country. 2. The beneficiary’s IBAN or account number. If you are sending money to the USA you will need to know the beneficiary’s account number.Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee that the Site or the information thereon complies with law or ...HSBC will automatically convert inbound foreign currency payments. If you receive money from abroad on a regular basis, a Foreign Currency Account can be a great solution as it is easier than setting up and managing an account in a foreign country. Global Wallet is a similar solution but allows you to easily open wallets in multiple currencies.Learn about HSBC Bank's credit cards, HSBC Rewards, and how to earn and redeem your points for maximum value, including first class flights! We may be compensated when you click on...Contact Stavros directly. Join to view full profile. View Stavros Katsaitis FIA, FHAS, FASHK’s profile on LinkedIn, the world’s largest professional community. Stavros has 5 jobs listed on their profile. See the complete profile on LinkedIn and discover Stavros’ connections and jobs at similar companies. ….

Funds. Fund factsheets, performance data, prices and other information about HSBC funds. Access to HSBC Asset Management Bermuda fund factsheets, fund prices and other …Global View. Global View and Global Transfer makes it easy to manage overseas HSBC accounts. You can view, manage and transfer funds between all your HSBC accounts worldwide in one convenient place online. Available for Advance and Premier customers, the service gives you a simple view of all of your linked HSBC accounts on your online …HSBC offers loans at competitive interest rates, allowing you to save money and enjoy affordable EMIs. Find out more details about our loan interest rates here. ... HSBC Bermuda's current BMD base rate for personal banking customers is 4%; All rates are subject to change without notice;Try our mortgage calculators. Our mortgage calculators are easy to use and don’t require you to enter any personal information. They are for informational purposes only. For a more detailed summary of what you could borrow based on your personal circumstances, such as your credit history or the condition of your desired property, we recommend ...Fee waived as long as you maintain $1Million, or foreign currency equivalent, in deposits or investments with HSBC Bermuda or if you spend $100K annually. Seniors 4: $350 per annum . Fee waived as long as you maintain $1Million, or foreign currency equivalent, in deposits or investments with HSBC Bermuda or if you spend $100K annually. Account type HSBC Bermuda is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. Head office HSBC Bank Bermuda Limited, 37 Front Street, Hamilton HM 11, Bermuda. In order to confirm your status under the CRS, you may be asked to complete the appropriate self-certification form and send it to CMB Client Service Unit, HSBC Bank Bermuda Limited, 4th Floor, Harbourview Center, 37 Front Street, Hamilton HM11 or to your branch or relationship manager. There are three types of self-certification form for the ...If you're an HSBC Advance or HSBC Premier customer we'll give you the option to speak to one of our customer service representatives, regardless of what time you call. For a complete list of HSBC Bermuda telephone numbers, visit Contact Us. Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed ...Help and Support. Contact Us. General enquiries. Telephone: +1 441 295 4000. E-mail: [email protected]. Mailing address: HSBC Bank Bermuda Limited. 37 Front Street, …HSBC Bank Bermuda (HBBM) has strong regulatory capital ratios and a high S&P Global Ratings risk-adjusted capital (RAC) ratio. The bank's regulatory Common Equity Tier 1 (CET1) ratio and RAC ratio were 24.8% (24.7% in 2020) and 21.0% (20.9% in 2020), respectively, well above the ratio of most banks we rate globally. Bermuda hsbc, Our MySavings Youth Account is Bermuda's only savings account for customers aged 7 to 17 years old. Introducing... payment alerts Close. ... Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority., Retail Banking and Wealth Management – Bermuda. To help fight against tax evasion and protect the integrity of tax systems, governments around the world are introducing a new information-gathering and reporting requirement for financial institutions. This is known as the Common Reporting Standard (“the CRS”) and we’d like to help you ..., The HSBC Bermuda app has been specially built for our customers*, with reliability at the heart of its design. Enjoy security and convenience with these great features: • View your account balances. • Make Transfers between your accounts. • Make Transfers to local third-party accounts you have set-up. • Pay Bills., Apply online. 1 Daily ATM withdrawal limit is $2,000 for standard bank accounts, $2,500 for Advance customers and $3,000 for Premier customers. If you need to withdraw more than your daily maximum, you can do so by visiting your local branch. Withdrawal limits and charges may vary when withdrawing money at ATMs outside Bermuda., The six-digit sort code number and an identifier for both the bank and the branch where the bank account is held. In some cases, the first digit of the sort code identifies the bank itself and in other cases the first 2 digits identify the bank. …, 4 days ago · Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary ... , We would like to show you a description here but the site won’t allow us., To Spring, With Love: Spring Members Exhibition at the BSOA. Created: Mar 08, 2024. This is a social-media hub curated for engagement by Bermuda Royal Gazette staff., There’s virtually never a bad time to visit paradise. Bermuda, a jewel in the Atlantic Ocean, can be enjoyed any time of the year. Bermuda is often lumped into other islands in the..., At HSBC, we’re constantly innovating. Our award-winning digital banking solutions for businesses make it simpler, better and faster for you to bank with us, while keeping your accounts safe …, News Release. 23rd January, 2023. HSBC offers new ways to access online banking with enhanced fraud protection. HSBC Bermuda today announced the introduction of Digital …, Enter the serial number on the back of your security device. Follow the onscreen instructions to create a PIN and generate your first security code. You have 60 days to activate your Secure Key. Please contact us on +44 1534 616 171 if you're having problems., The base rate for Bermuda dollar residential mortgages and consumer loans will increase by 0.50% to 4.00%. The Bank’s Commercial Bermuda dollar base rate will increase by 0.50% to 4.75%, representing the first commercial rate increase since 2011 and it comes two years after a 0.50% reduction in 2020. The Bank will be sending letters of ..., What to do if you detect an unfamiliar transaction. If you receive an alert and notice an unfamiliar transaction, contact our 24/7 contact centre immediately on 299-5518. If you are an HSBC Premier customer you should contact us on 299-5252 …, St. George’s. St. George's Branch. 4 King's Square, St. George’s, GE05, Bermuda. Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Listening to what you have to say about our services matters to us., HSBC Global Money Account is a prepaid, multi-currency account available on our the HSBC Mobile Banking App for customers who maintain an HSBC consumer deposit account. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges. Camera-in device required to be able to utilize HSBC Mobile ... , Make your plans a reality. Borrow between £1,000 and £25,000 with fixed monthly payments of up to 60 months for loans up to £15,000, or up to 96 months for loans over £15,000. Quick credit decision and instant access to funds (after signed loan agreement is received) for HSBC current account customers. Make overpayments free of charge., ATM banking. HSBC ATMs can be found in many convenient locations across the island with several accessible 24 hours a day, 7 days a week. Our ATMs offer you the following services: Deposit of cash or HSBC cheques, via envelope, for same day credit 1. 1 Same day credit if deposited before 2pm on business days. , Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Whether you want a bank loan to buy an EV, improve your home or consolidate your existing debts, compare our loans to find the one that’s perfect for your plans. , Bermuda Overseas Branch Register (opens in new window) United States ADR Depositary (opens in new window) To register, you will need your Shareholder Reference Number, which can be found on your share certificates, dividend tax vouchers, and other shareholder communications. ... HSBC has appointed Georgeson – a business specialising in ..., Request an HSBC Visa Platinum Debit Card by phone. To apply for a Visa Debit Card, please contact the call centre at: +1 441 299 5518 and select option 0. Representatives are available Monday-Friday from 8.00am to 5.00pm AST. , Discover all the important information about our HSBC Bank Account, including how to open an account, associated fees, minimum deposit amounts and more. Introducing... payment alerts ... Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the …, Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee that the Site or the information thereon complies with law or ..., Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee that the Site or the information thereon complies with law or ..., We would like to show you a description here but the site won’t allow us., Contact details. What is your reason for getting in touch? Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee ... , Contact details. Contact phone number. Email address. What is your reason for getting in touch? Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. , Banking with HSBC Bermuda allows you to make payments and transfers in 22 currencies in over 150 countries and regions around the world. Simply log into online banking and follow the instructions to …, Brown patch is a common fungus disease on lawns and can spread quickly after they initially appear. Bermuda grass can turn brown when night temperatures exceed 68 degrees Fahrenhei..., From the Bermuda Triangle to the disappearance of Amelia Earhart, there are many conundrums that boggle our minds and leave us scratching our heads, scavenging the internet for rab..., HSBC Insurance is the brand name for insurance products offered by HSBC Group members. Terms and conditions apply. This information is intended to be a summary of the policy cover. For further details, please contact your Relationship Manager or call +1 441 296 7233. 3.5% Financial Services Tax will be applied to gross premiums on all policies ..., HSBC Specialist Funds Short Duration Fixed Income Supplement. (Supplement 320.99KB) 31 July 2023. HSBC Managed Portfolios Prospectus - 4 October 2022. (Prospectus 9.98MB) 27 July 2023. HSBC Corporate Money Funds Bye-Laws., HSBC Bank Bermuda Limited Consolidated Financial Statements 2020. This pdf document provides the audited financial results of HSBC's subsidiary in Bermuda, including the balance sheet, income statement, statement of changes in equity, and notes to the accounts. It also contains the independent auditor's report and the directors' report. …