Company: HBCYF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0001089113-25-000052
Chunk: 67

Company: HSBC HOLDINGS PLC
Filing Date: 2025-07-30
Form: 6-K
Chunk 67
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            |       |                |            |       |
|                                                                    | At 30 Jun 2025 |            |       | At 31 Dec 2024 |            |       |
|                                                                    |         Retail | Wholesale2 | Total |         Retail | Wholesale2 | Total |
|                                                                    |            $bn |        $bn |   $bn |            $bn |        $bn |   $bn |
| Modelled ECL (A)3                                                  |            2.7 |        1.9 |   4.6 |            2.6 |        2.0 |   4.6 |
| Banks, sovereigns, government entities and low-risk counterparties |                |        0.0 |   0.0 |                |        0.0 |   0.0 |
| Corporate lending adjustments                                      |                |        0.2 |   0.2 |                |        0.1 |   0.1 |
| Other credit judgements                                            |            0.1 |          — |   0.1 |            0.0 |            |   0.0 |
| Total management judgemental adjustments (B)4                      |            0.1 |        0.2 |   0.3 |            0.0 |        0.1 |   0.1 |
| Other adjustments (C)5                                             |            0.1 |        0.3 |   0.4 |           -0.0 |        0.1 |   0.1 |
| Final ECL (A + B + C)6                                             |            2.8 |        2.4 |   5.2 |            2.6 |        2.2 |   4.8 |

1 Management judgemental adjustments presented in the table reflect increases or (decreases) in allowance for ECL, respectively.

2 The wholesale portfolio corresponds to adjustments to the performing portfolio (stage 1 and stage 2).

3 (A) refers to probability-weighted allowance for ECL before any adjustments are applied.

4 (B) refers to adjustments that are applied where management believes allowance for ECL does not sufficiently reflect the credit risk/expected credit losses of

any given portfolio at the reporting date. These can relate to risks or uncertainties that are not reflected in the model, and/or to any late-breaking events.

5 (