Company: HBCYF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0001089113-25-000052
Chunk: 71

Company: HSBC HOLDINGS PLC
Filing Date: 2025-07-30
Form: 6-K
Chunk 71
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574 |                      216 |                                      204 |                                     193 |                                       217 |                                532 |
| Stage 2                                                      |                        2,285 |                      385 |                                      381 |                                     363 |                                       391 |                                473 |                        2,005 |                      360 |                                      355 |                                     343 |                                       363 |                                483 |
| Stage 3                                                      |                          563 |                      293 |                                      293 |                                     293 |                                       293 |                                301 |                          583 |                      279 |                                      279 |                                     279 |                                       279 |                                290 |

1 Allowance for ECL sensitivities exclude portfolios utilising less complex modelling approaches.

| HSBC Holdings plc Interim Report 2025 on Form 6-K |
| 55                                                |

| Overview |     | Interim management report |     | Interim condensed consolidatedfinancial statements |     | Additional information |
|          |     | Risk                      |     |                                                    |     |                        |

The ECL impact of the scenarios and management judgemental

adjustments are highly sensitive to movements in economic

forecasts. Based upon the sensitivity tables presented above, if the

Group ECL balance (excluding wholesale stage 3, which is assessed

individually) was estimated solely on the basis of the Central scenario,

Upside scenario, Downside 1 scenario or the Downside 2 scenario at

30 June 2025, it would increase/(decrease) as presented in the below

table.

|                                 | Retail1 | Wholesale1 |
| Total Group ECL at 30 Jun2025   |     $bn |        $bn |
| Reported ECL                    |     2.6 |        2.4 |
| Scenarios                       |         |            |
| 100%consensus Central scenario  |    -0.1 |       -0.1 |
| 100%consensus Upside scenario   |    -0.2 |       -0.5 |
| 100%consensus Downside scenario |     0.0 |        0.8 |
| 100%Downside 2 scenario         |     1.0 |        2.9 |

| Total Group ECL at 31 Dec2024   |      |      |
| Reported ECL                    |  2.4 |  2.2 |
| Scenarios                       |      |      |
| 100