Company: HBCYF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0001089113-25-000052
Chunk: 27

Company: HSBC HOLDINGS PLC
Filing Date: 2025-07-30
Form: 6-K
Chunk 27
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 due to lower fees on foreign exchange transactions in Wealth. ECL of $0.3bn in 1H25 increased by $0.3bn compared with 1H24 on a constant currency basis. The increase mainly reflected a more normalised level of ECL in 1H25 and the non- recurrence of releases against retail exposures in 1H24. Operating expenses of $2.6bn increased by $0.2bn or 9% on a constant currency basis. The increase primarily reflected higher investment spend in technology, including on operational resilience, partly mitigated by continued cost discipline.

| HSBC Holdings plc Interim Report 2025 on Form 6-K |
| 13                                                |

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

Corporate and Institutional Banking Our CIB business is a market leader in cross-border transaction banking and capital markets. It integrates our Commercial Banking business (outside of the UK and Hong Kong) with our Global Banking and Markets business.

Contribution to Group profit before tax ø $ 6.4 bn Calculation is based on profit before tax of our business segments excluding Corporate Centre. Divisional highlights

| 18%                                                                              | 16.9%                                             |
| Growth in fees and other income comparedwith 1H24, on a constant currency basis. | RoTE up 1.3 percentage points comparedwith 1H24.ø |

| Management view of revenue – on a constant currency basis |              |             |               |    |                                 |
|                                                           | Half-year to |             | 1H25 vs. 1H24 |    |                                 |
|                                                           |  30 Jun 2025 | 30 Jun 2024 |               |    | of which strategictransactions5 |
|                                                           |           $m |          $m |            $m |  % |                              $m |
| Banking NII1                                              |        7,014 |       7,314 |          -300 | -4 |                            -602 |
| Fee and other income2                                     |        7,103 |       6,033 |         1,070 | 18 |                             106 |
| –  Wholesale Transaction Banking                          |        4,831 |       4,390 |           441 | 10 |                            -112 |
| –  Investment Banking                                     |          542 |         472 |            70 | 15 |