Financial Health Guide

1. Available Net Financial Assets

Total amount of your financial assets (A)

Cash and Securities (excluding any direct investments in real estate, any social insurance claims and any pension plan benefits)

Total amount of open loans (B)

E.g. lombard lending, consumer loans (excluding mortgages)

Capital reserve (C)

E.g. capital for unforeseen needs or expenditures

Available Net Financial Assets (D)

(A) - (B) - (C)

2. Net Cash Flow

(for the next 5 years)

Estimate of total recurring revenues for the next 5 years (E)

E.g. salary/remuneration, real estate income, investment related revenues- coupons, dividends, etc.

Estimate of total recurring expenses for the next 5 years (F)

E.g. living expenses, taxes, interest/debt servicing (including mortgage servicing), etc.

Estimate of total of non-recurring expenses for the next 5 years (G)

E.g. refurbishment, loan reimbursement, etc.

Net Cash Flow (H)

(E) - (F) - (G)

3. Result

Excess Financial Assets (I)

(D) + (H)

Total amount of assets held with HSBC Private Bank (Suisse) SA (J)

Result

(I) ÷ (J)
Comparison of Excess Financial Assets versus Total amount of assets held with HSBC Private Bank (Suisse) SA