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Edge31 Oct 2025
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HSBC Holdings (HSBA) investor relations material
HSBC Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Achieved annualized RoTE of 17.6% year to date (excluding notable items), with upgraded 2025 targets and strong momentum in Wealth and deposit growth.
Total revenues grew by $500 million year-over-year to $17.9 billion, with robust performance in Wealth and deposit inflows.
Announced intention to privatize Hang Seng Bank, aiming for operational efficiencies and growth in Hong Kong.
Progressed with 11 announced exits from nonstrategic activities in 2023, including Malta and Sri Lanka retail banking, redeploying resources to growth areas.
Reported profit before tax for 3Q25 was $7.3bn, down year-over-year due to $1.4bn in legal provisions and higher operating expenses, partially offset by revenue growth.
Financial highlights
Revenue up 3% year-over-year to $17.9 billion in Q3, driven by banking NII and strong fee/other income; reported revenue $17.8bn (+4% YoY).
Profit before tax reached $9.1 billion excluding notable items; reported PBT $7.3bn, down 15% YoY due to legal provisions.
Banking NII returned to growth at $11 billion for the quarter; net interest income for 3Q25 was $8.8bn, up 15% YoY.
Wealth fee and other income grew 29% to $2.7 billion; net new invested assets $29 billion, over half from Asia.
ECL charge was $1 billion, flat year-over-year, with notable charges in Hong Kong CRE, Middle East, UK, and Mexico.
Outlook and guidance
Upgraded 2025 banking NII guidance to $43 billion or better; targeting mid-teens or better RoTE for 2025.
CET1 capital ratio target range maintained at 14%-14.5%, with temporary dip expected post-Hang Seng Bank privatisation.
ECL charges as a percentage of average gross loans expected to remain around 40bps in 2025.
Targeting around 3% cost growth in 2025 compared to 2024.
Dividend payout ratio for 2025 targeted at 50% of earnings per ordinary share, excluding material notable items.
Restore CET1 post Hang Seng deal & buy-back halt?
Hong Kong CRE outlook & mitigation actions?
ROTE target: drivers despite Q4 headwinds?
Madoff litigation: other cases' capital risk?
HK nonresident customers: Wealth product conversion?
Exits' reinvestment: RoTE impact beyond mid-teens?
Hang Seng privatization: long-term value drivers?
NII: drivers for exceeding 2025 guidance?
NBFIs: second/third order risk monitoring?
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Next HSBC Holdings earnings date
Q4 202525 Feb, 2026
Next HSBC Holdings earnings date
Q4 202525 Feb, 2026
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Frequently asked questions
A British Bank With Expertise in Asia
Founded in 1865, HSBC, originally known as The Hongkong and Shanghai Banking Corporation, is an important player in the global banking and financial services industry. Based in London, HSBC has grown to establish a strong foothold across different continents, providing a wide variety of services like retail banking, corporate banking, investment banking, and wealth management.
HSBC’s Inception and Growth
The journey of HSBC traces back to the mid-19th century when Thomas Sutherland founded the bank in the former British territories of Hong Kong and Shanghai. The vision was to facilitate the growing trade between Europe, India, and China. Over the decades, HSBC has expanded its footprint across the globe through organic growth and strategic acquisitions. Today it operates in over 64 countries and territories all over the world, serving more than 40 million customers. This global reach is not something unique in the modern banking world, and competitors like Barclays and Citi also have a massive international presence.
A Modern Financial Powerhouse
HSBC provides an array of comprehensive financial services to a wide customer base that ranges from individual consumers to multinational corporations. Its four major business components include retail banking and wealth management, commercial banking, global banking and markets, and global private and investment banking. The bank's products and services encompass current and savings accounts, mortgages, insurance, credit/debit cards, and loans, as well as foreign exchange, treasury services, and investment management. It has positioned itself as a bridge between the East and the West, emphasizing its role as a global trade facilitator, and the bank continues to have a strategic focus on Asia.
Looking Ahead
In the wake of digital transformation, HSBC has also been proactive in adapting to technological advancements. The bank has shown a willingness to embrace technology to enhance customer experience, optimize operational efficiency, and mitigate risks. With the rise of FinTech competitors, the bank has invested heavily in digital banking platforms, data analytics, AI, cybersecurity, and blockchain technologies. HSBC's adoption of mobile banking has also been significant, reflecting its aim to serve the digital-savvy customer base effectively.
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