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Group overview 2008 highlights

Our Group performance

Financial highlights

Operating income

$13,968m

+26% / 2007: $11,067m
/ 2006: $8,620m

Operating profit

$4,568m

+13% / 2007: $4,035m
/ 2006: $3,178m

Total assets*

$435bn

+32% / 2007: $330bn
/ 2006: $266bn

Normalised earnings per share**

174.9cents

+1% / 2007: 173.0 cents
/ 2006: 149.4 cents

Normalised return on equity

15.2%

2007: 15.6% /
2006: 16.9%

Dividend per share ***

61.62cents

+3.3% / 2007: 59.65 cents
/ 2006: 53.40 cents

Non-financial highlights

Employees

73,800

2007: 70,000 /
2006: 59,000

Countries and territories

75

2007: 57 /
2006: 56

Nationalities

125

2007: 115 /
2006: 105

Operational highlights

Strong income growth

Group operating income rose 26 per cent to $13.97 billion

Strong profit growth

Group operating profit rose 13 per cent to $4.57 billion

Broad-based income

Seven of our nine geographical segments each delivered over $1 billion of operating income

Robust balance sheet

The Group maintained a liquid, well-capitalised and diversified balance sheet through the financial turmoil

Successful rights issue

A successful rights issue further strengthened the Tier 1 capital ratio to 10.1 per cent at the end of 2008

Solid deposit growth

Deposits grew 30 per cent to $274.6 billion in 2008; the advances to deposits ratio improved to 74.8 per cent

Benefit from acquisitions

Successfully integrated American Express Bank and other acquisitions, extending reach and capabilities

Sustainable business

$385 million of credit now available to microfinance institutions in 15 countries