Company: HBCYF
Filing Date: 2025-10-28
Form Type: 6-K
Source: 0001654954-25-012267
Chunk: 42

Company: HSBC HOLDINGS PLC
Filing Date: 2025-10-28
Form: 6-K
Chunk 42
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228 |   9,159 |  20,111 |  10,578 |     3,153 |    54,229 |
| ECL                                                   |                          -721 |    -238 |    -337 |    -665 |       -27 |    -1,988 |
| Operating expenses                                    |                        -3,539 |  -3,665 | -10,621 |  -6,490 |       -88 |   -24,403 |
| Share of profit in associates and joint ventures      |                             - |       - |       1 |      41 |     2,184 |     2,226 |
| Profit before tax                                     |                         6,968 |   5,256 |   9,154 |   3,464 |     5,222 |    30,064 |
| Loans and advances to customers (net)4                |                       235,237 | 285,076 | 299,819 | 142,321 |     8,209 |   970,662 |
| Customer accounts                                     |                       494,787 | 348,752 | 555,230 | 264,829 |       378 | 1,663,976 |

1 In the current period, constant currency results are equal to reported, as there is no currency translation.

2 Net operating income before change in expected credit losses and other credit impairment charges, also referred to as revenue.

3 Amounts in 'Revenue' include a loss of $1.1bn inclusive of reserves recycling as a result of the dilution of our shareholding in BoCom. We have also recognised a

$1.0bn impairment loss following an impairment test on the carrying value of the Group's investment in BoCom in 'Share of profit in associates and joint

ventures less impairment'.

4 The reduction in loans and advances to customers in Corporate Centre as at 30 September 2025 includes a $6.0bn reclassification to 'financial investments measured at fair value through other comprehensive income' of a portfolio of home and other loans retained following the disposal of our retail banking operations in France. With effect from 1 January 2025 we reclassified this portfolio to a hold-to-collect-and-sell business model, measuring it at FVOCI.

| Notable items - business segments                     |                               |     |      |      |                  |        |
|                                                       | Nine months ended 30 Sep 2025