Company: HBCYF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0001089113-25-000052
Chunk: 77

Company: HSBC HOLDINGS PLC
Filing Date: 2025-07-30
Form: 6-K
Chunk 77
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 lines prescribed in the Pillar 3 ‘Own funds disclosure’ template. At 30 June 2025, our common equity tier 1 (‘CET1’) capital ratio decreased to 14.6 % from 14.9 % at 31 December 2024, driven by an increase in RWAs of $ 48.6 bn, partly offset by an increase in CET1 capital of $ 4.9 bn. The overall decrease in our CET1 ratio during the period was primarily contributed by: – a 0.4 percentage point decrease driven by higher RWAs mainly from asset size movements; – a 0.2 percentage point net decrease from strategic transactions; – a 0.1 percentage point decrease from regulatory deductions, partly offset by the FVOCI reserve and other movements; – a 0.2 percentage point increase from capital generation, mainly through regulatory profits less dividends, adjusted for the share buy-backs announced along with our 4Q24 and 1Q25 results; and – a 0.1 percentage point increase from the favourable impact of foreign exchange fluctuations. At 30 June 2025, our Pillar 2A requirement, set by the PRA’s Individual Capital Requirement based on a point-in-time assessment, was equivalent to 2.6% of RWAs, of which 1.5% was met by CET1 capital. Throughout the first half of 2025, we complied with the PRA’s regulatory capital adequacy requirements. Risk-weighted assets

| RWAs by business segment |          |       |       |      |                 |           |
|                          | HongKong |    UK |   CIB | IWPB | CorporateCentre | TotalRWAs |
|                          |      $bn |   $bn |   $bn |  $bn |             $bn |       $bn |
| Credit risk              |    118.6 | 132.0 | 291.7 | 74.1 |            87.2 |     703.6 |
| Counterparty credit risk |      0.1 |   0.1 |  39.3 |  0.7 |             1.2 |      41.4 |
| Market risk              |      0.1 |     — |  25.1 |  0.5 |             6.8 |      32.5 |
| Operational risk         |     21.8 |