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HSBC (HSBA) investor relations material
HSBC Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Strategic progress and business focus
Refocused on four key businesses: Hong Kong, UK, Wealth, and CIB, each delivering above mid-teens return on tangible equity and revenue growth.
Simplified organization by reducing duplicate costs and exiting non-strategic, low-return businesses.
Investments in priority areas are positioned to drive meaningful growth, supported by a culture shift.
Financial targets and cost initiatives
Achieving $1.5 billion in cost savings from simplification by end of next year, ahead of target, with $400 million expected by year-end under Project Cedar.
Additional $1.5 billion in benefits from announced deals, with quick wins in some business exits and longer-term gains from country deals, accelerating through 2026-2027.
Operating environment and growth outlook
Managing to a mid-teens ROTE, with 18% achieved at half year; all four businesses growing at or above target.
Trade fees up 4% year-on-year, but payments and FX are the main revenue drivers in wholesale transaction banking.
Hong Kong shows strong deposit growth (9%) and 35% ROTE despite muted asset growth and low HIBOR.
Wealth business maintains double-digit growth, with fees up over 20% and global insurance balances rising.
HK CRE: Further material provisions expected?
Loan growth: When will mid-single-digit target be met?
Wealth Mgmt: How sustainable is double-digit growth?
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Q3 202528 Oct, 2025
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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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