Personal Financial Services

HSBC is committed to meeting customer demands locally, backed up by international experience and expertise. Our integrated approach to wealth management means we take the time to fully understand the individual needs of our customers. When combined with the extensive resources of the HSBC Group, this enables us to offer our customers financial solutions that match their personal lifestyles and aspirations.

Personal Financial Services includes day-to-day money management (deposit products), online security, lending products, wealth protection (insurance) products and consumer finance.

Commercial Banking and Corporate Institutional Banking

In Australia, HSBC commercial customers range from small to medium size enterprises to middle market and large corporates. The HSBC national customer relationship teams create tailored solutions for our commercial customers, integrating the full range of domestic and international banking services.

HSBC corporate and institutional clients are major organisations with complex international financial needs. Our global relationship management teams have an in-depth understanding of the sectors in which our clients operate. We specialise in working with other financial institutions as well as industrials, energy and utilities, transport and logistics, metals and mining, real estate and multinationals.

Our banking services include electronic banking, transactional banking, liquidity and cash management, trade services, global markets, project finance, export finance and custody and clearing.

Operations and Information Technology

The strategic aim of Banking Operations within HSBC is to achieve continued productivity improvement, manage costs and meet our customers' expectations. As a result of HSBC's continued vision of growth and excellence, the Operations model to service our customer is more complex and diversified than ever before. The focus of this model is on performance and meeting our customers' needs. Operations is committed to managing change, reducing risk and ensuring consistency across hugely diverse businesses, products and customers.

IT within HSBC is managed within a shared services model. The IT area operates in a commercial context where it is treated as a vendor of choice. This ensures that IT is focused on quality customer service and performance. In addition, IT provides consultancy advice to their business partners in order to participate in HSBC's growth initiatives. IT aims to have a service culture that adopts a commercial focus and sells service to the business they support.