Company: HBCYF
Filing Date: 2025-10-28
Form Type: 6-K
Source: 0001089113-25-000056
Chunk: 24

Company: HSBC HOLDINGS PLC
Filing Date: 2025-10-28
Form: 6-K
Chunk 24
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       1,442 |           — |           — |
| –  other                                                                              |           — |           — |          20 |
| Combined customer deposits                                                            |   1,755,809 |   1,737,692 |   1,660,354 |
| Currency translation                                                                  |             |      -6,800 |      64,721 |
| Combined customer deposits at constant currency                                       |   1,755,809 |   1,730,892 |   1,725,075 |

Balance sheet commentary Balance sheet – 30 September 2025 compared with 30 June 2025 At 30 September 2025, our total assets of $3.2tn were $19.9bn higher on a reported basis and included adverse effects of foreign currency translation differences of $12.1bn . On a constant currency basis, total assets were $31.9bn higher, as an increase in trading assets and financial investments was partly offset by a decrease in derivative assets. Loans and advances to customers as a percentage of customer accounts were 56.6% , compared with 57.1% at 30 June 2025.

| HSBC Holdings plc Earnings Release 3Q25 on Form 6-K |
| 16                                                  |

Loans and advances to customers of $983bn were $1.2bn higher on a reported basis. This included an adverse effect of foreign currency translation differences of $4.5bn . Excluding foreign currency translation differences, customer lending balances increased by $5.6bn . The following movements are on a constant currency basis. In our UK business, customer lending rose by $5.4bn , primarily driven by growth in commercial customer lending and continued growth in mortgage balances. In IWPB, customer lending increased by $3.2bn , reflecting growth in Private Bank lending in Hong Kong and Singapore, and mortgage balances in Singapore and Australia. In our Hong Kong business, customer lending decreased by $2.6bn . This was driven by lower term and other lending balances, reflecting muted commercial banking customer demand, which was partly offset by growth in overdrafts and credit card balances. In CIB, customer lending was broadly stable, as lower term and other lending in our entities in Hong Kong and the US was partly offset by growth in overdraft balances in our main entity in the UK. Customer accounts of $1,737bn increased by $18.6bn on a reported basis. This included adverse effects