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Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
8th grade Avg
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New words:
ABB, abreast, aforementioned, air, ALCM, alert, Algeria, alliance, ambition, Anderson, andinter, andOman, Anonim, antitrust, apex, apologised, apposite, argument, ascertain, Asiamoney, attrition, Austria, Autumn, balkanising, Bancolombia, Barrick, BB, Beattie, behave, benign, bewildering, biennially, bigger, blacklisted, Bliley, BoE, boom, Box, Bread, breakup, Bridgewater, briskly, BSM, buoyancy, busiest, businessincluded, Bvalco, byTrade, Cambridge, campaign, captial, causal, causation, Cautionary, CB, CBS, CCB, CCP, CCR, CET, CETI, CG, Charoen, Chatham, checklist, cheque, circle, clarification, clean, climbing, CMG, codified, collector, Comey, compromised, concomitant, concomitantly, configured, contractor, controversy, CRDIV, CRE, CRS, crunch, Dashboard, decay, defeated, defence, degraded, delayering, deliberated, denote, departure, depicted, depleted, Deringer, destined, destruction, developmentand, devised, diagram, diagrammatic, Diethelm, digit, digital, dimension, dioxide, disallowed, disassociate, dismantling, disparity, disproportionate, dissolved, divestiture, DKSH, Dorner, Dough, DPA, drag, dragged, drug, EC, ECM, edged, EDTF, EEA, Egyptian, EIOPA, embarrassing, embassy, emitted, Encouragingly, entrepreneur, entrust, Erkki, Ernst, ESMA, Estonia, evade, evasion, EVE, excise, expended, expenseincreased, expulsion, fairvalue, faltered, farm, Fassbind, FATCA, FCO, feasibility, fence, FHFA, fight, fighting, FIM, FinCEN, Finland, Fishwick, flooding, flout, footing, forTaiwan, Forty, fourteen, freely, freight, froze, frozen, frustrate, FSVC, FTE, fuelling, fungible, Gallen, game, gating, GBP, GENPRU, GLB, GLBA, god, greatly, guarantor, hampering, Hartnett, Havalimanlari, headway, Heathrow, Helsinki, Herdman, Hertog, Hizmetleri, HTS, Hungary, hydrological, idiosyncratic, illicit, immaterial, inAsiamoney, incomplete, Indian, ineligible, inside, inspirational, intergroup, invalid, invaluable, investmentsincluded, IPC, IRM, Israel, Italian, Jim, Kaur, Keller, keynote, KIs, Lambda, LCR, leaver, Lecture, Lecturer, LFRF, LIC, Liikanen, Lockheed, Losada, loyal, Magistrate, mainlandChina, Manifestation, maritime, Martin, Mayor, median, mediation, Mellat, Melli, Memorial, Midwest, MiFID, military, misrepresentation, misuse, MOC, monetised, Morocco, motion, multicurrency, MWM, NA, Nagel, Narayana, negate, Newcastle, noncompliance, Northern, notch, NSFR, nuclear, numerator, Oanda, OIB, Olympic, Omani, opt, ORIC, ORMF, ORX, ourpillar, outage, outright, outsourced, outsourcing, overweight, Pakistan, paralyse, parliamentary, passion, payWave, PEF, perfect, periphery, perplexing, petrochemical, Pokphand, portfolioscomprise, Portuguese, premise, proliferation, prosecutor, protectionism, provisionsincreased, Pulse, PVA, QPM, quasi, questionnaire, randomly, realigned, reap, reassessment, redefined, redesigned, redirected, regaining, rejected, Renato, repatriate, reportedprofit, reportWomen, repository, revisiting, rigorously, rigour, ring, risky, RMB, RMC, Robert, Robey, ROE, RRD, Saderat, saledeclined, Salzburg, sanitation, scene, Schrank, scientific, SCR, screen, screened, seamlessly, seminar, Sendirian, session, severalEuromoney, sheer, shock, shortage, side, signalled, Sirketi, slight, slotting, Slovakia, Slovenia, slump, sooner, Sourcebook, Southeast, sovereignty, Spanish, speech, SpringCastle, Springleaf, St, staffed, staffing, standarised, Steering, stimuli, stratification, stratified, strive, subsection, Sultanate, Sumitomo, Summit, surpassing, SWIFT, swing, Symposium, tail, takeover, Tapestry, task, tasked, Tejarat, tempted, tenant, tenAsiamoney, tepid, theAileen, theAsia, theAsiamoney, theAsset, theAustralian, TheCityUK, theFinanceAsia, theOliver, thePillar, throughput, timescale, TMP, tone, tonne, trafficking, transnational, transposition, Trilateral, Troy, tuition, Tunisia, turnaround, unaffiliated, uncharted, uncollateralised, uncomfortable, undated, undergone, unethical, unfinalised, unilaterally, unnecessarily, unreservedly, unutilised, upside, utmost, VAT, vein, vendor, venturesincreased, vi, vigilance, VRM, wait, warehousing, WaterAid, welfare, wholehearted, wholeheartedly, Winterthur, withinInternal, wonGlobal, workshop, XI, Yatirim, Yer, young, Zarate, Zrt, Zurich
Removed:
accountancy, aggressive, AGM, ago, Alcan, Alexander, assignment, asymmetrical, attachment, attracting, automatic, begin, block, boosted, branded, buoyant, Caribbean, cascaded, catastrophe, caution, CDPC, charitable, charity, Cheng, Chuen, cohort, collapse, columnist, commuted, contractsgrew, contributor, converge, corrected, covenant, customised, DBS, deepen, Delhi, Democracy, derivation, differential, disappointing, diversifying, divestment, donate, Dr, dramatic, drop, Electra, eleven, EnCana, encapsulated, engineering, entail, EP, EPS, equityincreased, ESG, exclusion, expensesrose, extinguishment, fastest, FFMC, finalise, flatter, float, flu, footprint, forfeited, Fraser, Geoghegan, Gerrard, Green, Guild, Hoi, ill, incomedeclined, incomefell, informally, injected, innet, intensified, investmentsrose, IX, Keith, Lafarge, lt, Manning, Michael, mid, migrated, mixed, MPF, municipal, NASDAQ, nearest, neutrality, optimal, organic, outperformed, overvalued, overwhelmingly, pandemic, penetration, permission, peso, philanthropy, phone, premia, projecting, ran, rational, rebounded, reclassifying, relocated, relocation, repeated, risen, rounded, select, Smithsonian, smoothly, stabilising, step, Stephen, store, straight, successive, sundry, superior, syndication, tackling, Television, Thurston, Tropical, unaudited, unexercised, unforeseen, utility, Vincent, widespread, Yantai
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Exhibit 15.5
Wing Lui | T +852 2827 8833 | |||
Senior Consultant | D +852 2820 8281 | |||
F +852 2827 8899 | ||||
36th Floor, Sun Hung Kai Centre | wing.lui@towerswatson.com | |||
30 Harbour Road | towerswatson.com | |||
Wanchai | ||||
Hong Kong | ||||
12 March 2013
The Board of Directors
HSBC Holdings plc
Dear Sirs,
I, Wing Lui, consent to be named as valuation actuary of the HSBC Group Hong Kong Local Staff Retirement Benefit Scheme in the Annual Report on Form 20-F for the year ended December 31, 2012 of HSBC Holdings plc and to the incorporation by reference of references to us in the registration statements (nos. 333-10474, 333-92024, 333-102027, 333-103887, 333-104203, 333-109288, 333-113427, 333-127327, 333-126531, 333-135007, 333-143639, 333-145859, 333-155338, 333-158054, 333-158065, 333-162565, 333-170525, 333-176732, 333-180288 and 333-183806).
Yours faithfully,
|
Wing Lui,F.S.A. |
Senior Consultant |
Towers Watson Hong Kong Limited