Company: HBCYF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0001089113-25-000052
Chunk: 70

Company: HSBC HOLDINGS PLC
Filing Date: 2025-07-30
Form: 6-K
Chunk 70
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 455,823 |   234 |   216 |   176 |   304 |   774 |
| Total                      | 1,958,010 | 2,205 | 2,031 | 1,612 | 2,877 | 6,555 |
| of which:                  |           |       |       |       |       |       |
| Stage 1                    | 1,830,264 |   689 |   632 |   494 |   797 |   803 |
| Stage 2                    |   127,746 | 1,516 | 1,399 | 1,118 | 2,080 | 5,751 |

1 Allowance for ECL sensitivity includes off-balance sheet financial instruments. These are subject to significant measurement uncertainty.

2 Includes low credit-risk financial instruments such as debt instruments at FVOCI, which have high carrying amounts but low ECL under all the above scenarios.

3 Excludes defaulted obligors. For a detailed breakdown of performing and non-performing wholesale portfolio exposures, see page 60 .

4 Staging refers only to probability-weighted/reported gross carrying amount. Stage allocation of gross exposures varies by scenario, with higher allocation to

stage 2 under the Downside 2 scenario.

5 Geographies include all legal entities which share a common set of macroeconomic scenarios for the majority of exposures.

6 Includes small portfolios that use less complex modelling approaches and are not sensitive to macroeconomic changes.

Retail analysis At 30 June 2025, the most significant level of allowance for ECL sensitivity was observed in the UK, Mexico and Hong Kong. Mortgages reflected the lowest level of allowance for ECL sensitivity across most markets given the significant levels of collateral relative to the exposure values. Credit cards and other unsecured lending across stages 1 and 2 are more sensitive to economic forecasts and therefore reflected the highest level of allowance for ECL sensitivity during the first half of 2025. Compared with 31 December 2024, the Downside 2 ECL decreased by $ 0.4b n, primarily in Hong Kong credit cards and other unsecured lending due to the reducing severity of house price forecasts.

| HSBC Holdings plc Interim Report 2025 on Form 6-K |
| 54                                                |

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