HSBC FY/Q4 Earnings - Q4 Adj. Pretax $2.20 Bln (est $1.80 Bln) - FY Adj Pretax Down 45% To $12.15 Bln (est $11.74 Bln) - FY CET1 Ratio 15.9% (est 15.1%) - Proposes Dividend Of $0.15/Share