<strong>HENK POTTS </strong>BARCLAYS WEALTH<br />&ldquo;Messy numbers, with various accounting changes, but definitely ahead of expectations and sentiment towards the sector continues to improve. Household, the US business which is largely in run-off mode, was the largest source of upside surprise with lower provisions and lower realised losses.&rdquo;<br /><br /><strong>DAVID BUIK </strong>BGC PARTNERS<br />&ldquo;HSBC&rsquo;s tier one capital stands at a healthy 10.1 per cent and, though the chairman Stephen Green believes that market conditions remain uncertain, there seems little doubt that the worst is over.&nbsp; Its carbuncle remains Household in the US, however there is strong input from Asia, Europe and the US.&rdquo;<br /><br /><strong>DAVID EVANS </strong> BETONMARKETS.COM<br />&ldquo;The market is giving the message that these are a strong set of results. The US banks led the charge when they reported and now people are realising that banks are actually still profitable. The shares are up five per cent. While not a &lsquo;wow&rsquo; reaction, what we are seeing is the response to a reassuring message.&rdquo;