香港交易及結算所有限公司及香港聯合交易所有限公司對本文件的內容概不負責，對其準確性或完 整性亦不發表任何聲明，並明確表示，概不對因本文件全部或任何部份內容而産生或因倚賴該等內 容而引致的任何損失承擔任何責任。 2025 年 3 月 21 日 （香港股份代號 : 5） HSBC HOLDINGS PLC 滙豐控股有限公司 發行永久後償或有可轉換證券 隨附之公告現正於若干 HSBC Holdings plc 滙豐控股有限公司上市之證券交易所發布。 代表 滙豐控股有限公司 公司秘書長 戴愛蘭 於本公告發表之日，滙豐控股有限公司董事會成員包括：杜嘉祺爵士*、艾橋智、鮑哲鈺†、段小纓†、范貝 恩女爵士†、傅偉思†、高安賢†、古肇華†、郭珮瑛、麥浩智博士†、莫佩娜†、梅愛苓†、利伯特†及張瑞蓮†。 *集團非執行主席 †獨立非執行董事 HSBC Holdings plc 滙豐控股有限公司 注册辦事處及集團總管理處： 8 Canada Square, London E14 5HQ, United Kingdom 網站：www.hsbc.com 在英格蘭及威爾斯註冊成立之有限公司。註冊編號 617987 非於美國發布或分發 2 ...

Hong Kong Stock Code: 5 21 March 2025 Dear non-registered Shareholder1 HSBC Holdings plc (the "Company") Notice of publication of Corporate Communications2 The following documents are now available in English and Chinese on our website www.hsbc.com: • Notice of 2025 Annual General Meeting (www.hsbc.com/agm); and • Annual Report and Accounts 2024 (www.hsbc.com/financialresults). The documents are also available on the website of the HKEXnews at www.hkexnews.hk3 . This letter is not a summary of the documents ...

THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION. If you are in any doubt about this document or as to the action you should take, you should consult a stockbroker, solicitor, accountant or other appropriate independent professional adviser. If you have sold or transferred all of your shares, you should, without delay, consult the stockbroker or other agent through whom the sale or transfer was effected for advice on the action you should take. Hong Kong Stock Code: 5 21 March 2025 Dear Shar ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本文件的內容概不負責，對其準確性或完整性 亦不發表任何聲明，並明確表示，概不對因本文件全部或任何部份內容而產生或因倚賴該等內容而引致 的任何損失承擔任何責任。 (香港股份代號：5) HSBC Holdings plc 滙豐控股有限公司 2025年股東周年大會通告 於本公告發表之日，滙豐控股有限公司董事會成員包括：杜嘉祺爵士*、艾橋智、鮑哲鈺†、段小纓†、范貝恩女爵士†、傅偉思†、高安賢†、 古肇華†、郭珮瑛、麥浩智博士†、莫佩娜†、梅愛苓†、利伯特†及張瑞蓮†。 † 獨立非執行董事 滙豐控股有限公司 2025年股東周年大會通告及說明 謹此通告滙豐控股有限公司2025年股東周年大會（「股東周年大會」） 將就以下目的按照第17至21頁及第35頁附錄七載列的資料於2025年5 月2日（星期五）倫敦時間上午10時正（香港時間下午5時正）於Lumi 網上 平台及直播會場InterContinental London O2, 1 Waterview Drive, London SE10 0TW, United Kingdom舉行。就本文件所載理由而言，我們鼓勵 股東透過登 ...

HSBC Holdings plc 滙豐控股有限公司 股東周年大會通告 2025年5月2日（星期五）倫敦時間上午10時正（香港時間下午5時正） 我們將舉行數碼化股東周年大會，並進行現場直播。股東將可以電子方式出席股東周年大 會，並於會上投票，亦可在有需要時即時提問。有關如何以電子方式參與會議的進一步詳 情載列於第20至21頁。 此乃要件 請即處理 閣下如對本文件所述建議之任何方面或應採取之行動有任何疑問，應諮詢股票經紀、律師、會計師或其他適當之獨立專業顧問。 閣下如已出售或轉讓名下所有滙豐控股有限公司（「本公司」或「滙豐」，連同其附屬業務統稱為「集團」）股份，應立即將本文件及隨附之所有 文件送交經手買賣或轉讓之股票經紀、銀行或其他代理商，以便轉交買主或受讓人。 香港交易及結算所有限公司及香港聯合交易所有限公司對本文件的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示， 概不會對因本文件全部或任何部分內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。本公司普通股在香港聯合交易所有限公 司以「5」號股份代號買賣。 關鍵日期 2025年3月21日 發布股東周年大會通告，股東可透過 www.hsbc ...

Financial Performance - HSBC reported a pre-tax profit of $32.3 billion for 2024, up from $30.3 billion in 2023, representing a growth of approximately 6.6%[14]. - Pre-tax profit increased by $2 billion to $32.3 billion, including a net favorable impact of $1 billion from notable items[25]. - The group achieved a pre-tax profit of $32.3 billion in 2024, up from $30.3 billion in 2023[70]. - The average tangible equity return was 14.6%, while the adjusted return was 16%[57]. - The total shareholder return exceeded 30% for the year, driven by a stock price increase of over 20%[57]. - The average tangible equity return for 2024 was 14.6%, aligning with the target of around 15%[89]. - The adjusted pre-tax profit, excluding notable items, was $34.1 billion, compared to $32.7 billion in 2023, reflecting a growth of approximately 4.3%[89]. - The cost-to-income ratio for 2024 was 50.2%, compared to 48.5% in 2023[195]. Revenue and Income - Revenue remained stable at $65.9 billion, with a fixed exchange rate basis showing an increase of $2.9 billion to $67.4 billion[25]. - The net interest income for HSBC was $32.7 billion, a decrease from $35.8 billion in 2023, reflecting a decline of about 8.7%[15]. - Total revenue for the group was $65.9 billion, remaining stable compared to 2023, with a 5% increase when excluding notable items and at constant exchange rates[89]. - Wealth management business revenue increased by 18% in 2024, with fees and other income growing by 21%[58]. - The wealth management and personal banking segment added 799,000 new banking customers, a 66% increase compared to 2023[97]. Operating Expenses - The bank's operating expenses increased to $33 billion, compared to $32.1 billion in 2023, marking a rise of approximately 2.8%[16]. - Operating expenses increased by $1 billion to $33 billion, a rise of 3%, primarily due to increased technology spending and inflation[25]. - The group’s operating expenses for 2024 were $32.6 billion, a 3% increase from 2023, with a target increase of about 3% for 2025[192]. Capital and Dividends - The common equity tier 1 capital ratio improved to 14.9%, up from 14.8% in 2023, indicating a stronger capital position[17]. - HSBC declared a total dividend of $0.87 per share for 2024, which includes a special dividend of $0.21 per share, compared to $0.61 per share in 2023, reflecting a significant increase of approximately 42.6%[18]. - The board approved a fourth interim dividend of $0.36 per share, totaling $0.87 per share for 2024, including a special dividend of $0.21[25]. - The group aims to maintain a common equity tier 1 capital ratio of 14% to 14.5% and a dividend payout ratio target of 50% for 2025[30]. Strategic Initiatives - The bank plans to reduce its cost base by $1.5 billion and expects credit loss provisions to remain between 30 to 40 basis points of average loans in the medium term[24]. - HSBC aims to reallocate approximately $1.5 billion from non-strategic business activities to areas with significant competitive advantages and value-added returns in the medium term[24]. - The company plans to implement a new organizational structure starting January 1, 2025, to enhance growth potential[44]. - The group is actively reviewing its operations in various regions, including plans to exit certain markets and streamline its organizational structure[30]. Sustainable Financing and ESG - HSBC has provided and facilitated sustainable financing and investment totaling $393.6 billion since January 1, 2020, an increase from $294.4 billion in 2023[20]. - The company aims to achieve net-zero emissions by the end of 2050, with significant progress in reducing operational emissions expected by 2030, targeting a reduction of over 90% compared to 2019 levels[123]. - The company has invested billions of dollars in clean energy initiatives, supporting the transition to net-zero emissions and enhancing long-term financial returns for shareholders[120]. - The company anticipates a 40% reduction in operational, travel, and supply chain emissions by the end of 2030, while acknowledging that progress in supply chain emissions reduction has been slower than expected[123]. - The company is focusing on collaborating with clients to develop transition plans that align with its strategic business and market considerations[124]. Market Expansion and Customer Engagement - The group expanded its customer base by approximately 800,000 new clients in Hong Kong[58]. - The company is investing in technology, including artificial intelligence and data analytics, to improve customer experience and operational excellence[85]. - The group received multiple additional licenses to expand its business in mainland China and opened branches in 20 new cities in India[60]. - The company is committed to providing accessible banking services and resources to help customers manage their finances effectively[128]. Governance and Leadership - The board has established a governance framework to ensure informed decision-making and effective communication with stakeholders[164]. - The board will oversee the implementation of a new organizational structure by 2025 to enhance communication and employee experience[170]. - The new Group CEO, appointed in July 2024, aims to drive growth and simplify operations while maintaining prudent risk management[165]. - The board has initiated the recruitment process for a new Chief Financial Officer following the appointment of the new Group CEO, with interim leadership in place[166].

FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： HSBC Holdings plc 滙豐控股有限公司 呈交日期： 2025年3月20日 如上市發行人的已發行股份或庫存股份出現變動而須根據《香港聯合交易所有限公司（「香港聯交所」）證券上市規則》(「《主板上市規則》」)第13.25A條 / 《香港聯合交易所有限公司GEM證券 上市規則》(「《GEM上市規則》」)第17.27A條作出披露，必須填妥第一章節 。 | 第一章節 | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 | | 是 | | | | 證券代號 (如上市) | 00005 | 說明 | | 普通股(每股0.50美元) | | | | | | | A. 已發行股份或庫存股份變動 | | | | | | | | | | | | | | 已發行股份（不包括庫 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本文件的內容概不負責，對其準確性或完整性 亦不發表任何聲明，並明確表示，概不對因本文件全部或任何部份內容而產生或因倚賴該等內容而引致 的任何損失承擔任何責任。 2025年3月19日 (香港股份代號 : 5) HSBC Holdings plc 滙豐控股有限公司 根據香港上市規則第13.36(1)條就或有可轉換證券獲授予的豁免 滙豐控股有限公司（「本公司」）已申請並獲香港聯合交易所有限公司授出豁免，毋須嚴格遵守香港聯 合交易所有限公司證券上市規則（「香港上市規則」）第13.36(1)條的規定，據此，本公司獲准尋求 （及行使（如獲批准））一項授權（「該授權」），以發行或有可轉換證券（「或有可轉換證券」） （及配發就或有可轉換證券所轉換或交換的普通股），數目可超過一般授權規定佔本公司已發行股本 20%的上限（「該豁免」）。 或有可轉換證券是一種債務證券，在若干指定情況下可轉換為普通股，而且在歐盟及英國法例下受惠於 特定的監管規定資本處理方法。 本公司通常於每屆股東周年大會（「股東周年大會」）上尋求一般授權，以便按優先及非優先配股基準 配發股份（「一般配發授權」）。一 ...

翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： HSBC Holdings plc 滙豐控股有限公司 呈交日期： 2025年3月19日 如上市發行人的已發行股份或庫存股份出現變動而須根據《香港聯合交易所有限公司（「香港聯交所」）證券上市規則》(「《主板上市規則》」)第13.25A條 / 《香港聯合交易所有限公司GEM證券 上市規則》(「《GEM上市規則》」)第17.27A條作出披露，必須填妥第一章節 。 | 第一章節 | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 | 是 | | | | 證券代號 (如上市) | 00005 | 說明 | 普通股(每股0.50美元) | | | | | | | A. 已發行股份或庫存股份變動 | | | | | | | | | | | | 已發行股份（不包括庫存股份）變動 | | | 庫存股份變動 | ...

Core Industry Insights - The Zacks Foreign Banks Industry is undergoing restructuring to focus on core operations, which is expected to elevate expenses initially but drive long-term growth [1][5] - The industry is facing uneven economic recovery globally, impacting revenue growth, but lower interest rates are anticipated to provide support [1][6] Key Themes Influencing the Industry - **Lower Interest Rates**: Central banks are lowering interest rates, which is expected to support net interest income (NII) and margins for foreign banks, leading to improved loan demand and revenue growth [4] - **Restructuring Efforts**: Many foreign banks are divesting non-core operations to enhance focus on profitable markets, changing their revenue mix [5] - **Global Economic Recovery**: The post-COVID-19 economic recovery has been uneven, which may affect profitability for foreign banks in the near term [6] Industry Performance and Outlook - The Zacks Foreign Banks Industry ranks 47, placing it in the top 19% of over 250 Zacks industries, indicating positive near-term prospects [7][8] - Aggregate earnings estimates for the industry have been revised upward by 4.2% since November 2024, reflecting growing analyst confidence [9] Stock Performance - The Zacks Foreign Banks Industry has outperformed the S&P 500 and the broader finance sector, with a collective stock rise of 22.9% over the past year [11] Valuation Metrics - The industry has a trailing 12-month price-to-tangible book ratio (P/TBV) of 2.38X, significantly lower than the S&P 500's 12.97X, indicating a discount compared to the broader market [14][16] Company Highlights - **HSBC**: With $3.02 trillion in assets, HSBC is focusing on Asia and has initiated restructuring to achieve $1.5 billion in annualized savings by 2026, while winding down non-core investment banking activities [18][20][21] - **Barclays**: Holding £1,518.2 billion ($1,897.8 billion) in assets, Barclays has seen a decrease in operating expenses and aims for gross efficiency savings of £2 billion by 2026 [24][25][26][27] - **NatWest**: NatWest is launching a Fintech Growth Programme and expects to achieve a return on tangible equity of 15-16% by the end of 2025, with shares rising 29.2% in the past six months [29][30][31]