Company: HBCYF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0001654954-25-008629
Chunk: 9

Company: HSBC HOLDINGS PLC
Filing Date: 2025-07-30
Form: 6-K
Chunk 9
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 we will enhance our SME coverage and proposition.

In CIB, we will further enhance our transaction banking capabilities, including in global payments, trade solutions and foreign exchange where we have leading global propositions. We will also invest in security services, where we have a leading position in Asia and the Middle East.

In IWPB, we continue to hire new relationship managers across our priority growth markets, launch new wealth products and invest in technology and training to improve customer experience.

We will also modernise the bank by capturing the opportunity of AI and generative AI, and improve customer service through both our mobile apps and contact centres. We will increase productivity with tools such as coding assistants, and improve process efficiency in areas such as onboarding, KYC, credit applications and many others.

#### High performance culture
At the same time, we are instilling a culture of excellence, leadership and accountability throughout the bank. This culture prioritises customer centricity and high performance. As part of this, we have launched a bank-wide leadership programme designed to make culture an enabler of our ambition and strategy.

#### Thank you
Finally, I want to thank my valued colleagues around the world, whose talent and drive enable us to make a difference daily for our customers.

I also want to thank our customers for their partnership and trust.

Looking ahead, with firm foundations in place, clarity in our strategy, discipline in our execution and dynamism in our culture, momentum continues to build.

We are confident in our ability to deliver against our targets, including a mid-teens RoTE, excluding notable items, for 2025, 2026 and 2027.

We are working towards achieving our ambition of becoming the most trusted bank globally, putting customers at the heart of everything we do.

By doing this, we remain focused on generating strategic growth and delivering attractive returns for you, our shareholders.

#### Georges Elhedery

#### Group CEO
30 July 2025

Financial summary

|                                                   | Half-year to |             |
|                                                   |  30 Jun 2025 | 30 Jun 2024 |
|                                                   |           $m |          $m |
| For the period                                    |              |             |
| Profit before tax                                 |       15,810 |      21,556 |
| Profit attributable to:                           |              |             |
| -  ordinary shareholders of the parent company    |       11,510 |      16,586 |
| Dividends on ordinary shares1                     |        8,147 |