Company: HBCYF
Filing Date: 2025-02-20
Form Type: 20-F
Source: 0001089113-25-000040
Chunk: 306

Company: HSBC HOLDINGS PLC
Filing Date: 2025-02-20
Form: 20-F
Chunk 306
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 7,115 | 332,393 | -4,251 | 328,142 |
| HSBC Bank Middle East Limited                                         |  13,660 |   3,082 |   6,270 |    513 |    897 |  24,422 |   -601 |  23,821 |
| HSBC North America Holdings Inc.                                      |   6,244 |  13,668 |  13,094 |  3,503 |    583 |  37,092 |   -296 |  36,796 |
| Grupo Financiero HSBC, S.A. de C.V.                                   |   1,853 |   6,543 |   5,882 |    622 |    382 |  15,282 |   -326 |  14,956 |
| Other trading entities                                                |   3,189 |   1,277 |   7,449 |    988 |    392 |  13,295 |   -219 |  13,076 |
| Holding companies, shared service centres andintra-Group eliminations |      33 |       — |       — |      — |      — |      33 |      — |      33 |
| At 31 Dec2023                                                         | 252,160 | 148,460 | 171,631 | 26,902 | 15,851 | 615,004 | -8,222 | 606,782 |
| Percentage of total credit quality (%)                                |    41.0 |    24.1 |    27.9 |    4.4 |    2.6 |   100.0 |        |         |

| HSBC Holdings plcAnnual Report on Form 20-F | 205 |

Our risk rating system facilitates the internal ratings-based approach under the Basel framework adopted by the Group to support calculation of our minimum credit regulatory capital requirement. The credit quality classifications can be found on page 169 .

| Wholesale lending – credit risk profile by obligor grade for loans and advances at amortised cost |                        |                       |         |         |      |         |                   |         |         |      |        |             |                       |
|                                                                                                   |                        | Gross carrying amount |         |         |      |         | Allowance for ECL |         |         |      |        |             |                       |
|