Company: HBCYF
Filing Date: 2025-10-28
Form Type: 6-K
Source: 0001654954-25-012267
Chunk: 0

Company: HSBC HOLDINGS PLC
Filing Date: 2025-10-28
Form: 6-K
Chunk 0
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#### FORM 6-K

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### Report of Foreign Private Issuer

#### Pursuant to Rule 13a - 16 or 15d - 16 of

#### the Securities Exchange Act of 1934
<div align='center'>For the month of October</div>

#### HSBC Holdings plc
<div align='center'>42nd Floor, 8 Canada Square, London E14 5HQ, England

(Indicate by check mark whether the registrant files or will file annual reports undercover of Form 20-F or Form 40-F).

Form 20-F X Form 40-F</div>

HSBC Holdings plc Earnings Release 3Q25

28 October 2025

Georges Elhedery, Group CEO, said:

"We are becoming a simple, more agile, focused bank, built on our core strengths. The intent with which we are executing our strategy is reflected in our performance this quarter, despite taking legal provisions related to historical matters. The positive progress we are making gives us confidence in our ability to upgrade our targets and we now expect 2025 RoTE excluding notable items to be mid-teens, or better. We remain fully focused on helping our customers navigate new economic realities, putting their changing needs at the heart of everything we do."

Financial performance in 3Q25

- Reported profit before tax of $7.3bn was $1.2bn lower compared with 3Q24 . The reduction reflected an increase in operating expenses, mainly from notable items in 3Q25, including legal provisions of $1.4bn. This was partly offset by revenue growth, which included an increase in banking net interest income ('banking NII') and a strong performance in Wealth, while fee and other income fell in Global Foreign Exchange and in Debt and Equity Markets. Profit after tax of $5.5bn was $1.2bn lower than in 3Q24.

- Constant currency profit before tax excluding notable items was $9.1bn, an increase of $0.3bn or 3% compared with 3Q24, as revenue growth, driven by continued strong performance in Wealth, was partly offset by a rise in operating expenses due to planned investment and inflationary impacts.

- Annualised return on average tangible equity ('RoTE') in 3Q25 was 12.3%, compared with 15.5% in 3Q