HSBC Holdings plc(HSBC)Earnings, Financials & Key Ratios
HSBC•NYSE•Banking & Credit
15.7× P/E·Price updated Jun 19, 2026
AboutHSBC Holdings plc provides banking and financial services worldwide. The company operates through Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets segments. The Wealth and Personal Banking segment offers retail banking and wealth products, including current and savings accounts, mortgages and personal loans, credit and debit cards, and local and international payment services; and wealth management services comprising insurance and investment products, global asset management services, investment management, and private wealth solutions. This segment serves personal banking and high net worth individuals. The Commercial Banking segment provides credit and lending, treasury management, payment, cash management, commercial insurance, and investment services; commercial cards; international trade and receivables finance services; foreign exchange products; capital raising services on debt and equity markets; and advisory services. It serves small and medium sized enterprises, mid-market enterprises, and corporates. The Global Banking and Markets segment offers financing, advisory, and transaction services; and credit, rates, foreign exchange, equities, money markets, and securities services; and engages in principal investment activities. It serves government, corporate and institutional clients, and private investors. HSBC Holdings plc was founded in 1865 and is headquartered in London, the United Kingdom.Show more
- Net Interest Income$34.88B+6.5%
- Total Revenue$147.86B+3.2%
- Net Income$22.34B-6.8%
- Return on Equity11.84%-5.0%
- Net Interest Margin1.08%-0.6%
- Efficiency Ratio34.36%+40.3%
- ROA0.71%-9.7%
- Equity / Assets5.72%-10.2%
- Book Value per Share52.70+1.3%
HSBC Key Insights
HSBC Holdings plc (HSBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 33.7%
- ✓Efficient operations: 34.4% efficiency ratio
- ✓Healthy dividend yield of 3.5%
- ✓Share count reduced 5.1% through buybacks
- ✓Diversified revenue: 33.7% from non-interest income
- ✓Trading near 52-week high
✗Weaknesses
- ✗High debt to equity ratio of 2.7x
- ✗Weak NIM of 1.1%
- ✗Thin capital base
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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HSBC Price & Volume
HSBC Holdings plc (HSBC) stock price & volume — 10-year historical chart
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HSBC Growth Metrics
HSBC Holdings plc (HSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.43%
5 Years13.8%
3 Years24.75%
TTM-
Profit CAGR
10 Years5.15%
5 Years33.7%
3 Years12.81%
TTM-7.06%
EPS CAGR
10 Years6.58%
5 Years44.81%
3 Years18.89%
TTM-2.52%
Return on Capital
10 Years0.94%
5 Years1.34%
3 Years1.83%
Last Year1.43%
HSBC Recent Earnings
HSBC Holdings plc (HSBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$2.20+0.9%
$2.18
Rev
$19.1B+2.8%
$18.6B
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$1.85+2.8%
$1.80
Rev
$17.7B+4.0%
$17.0B
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$1.80+9.1%
$1.65
Rev
$33.5B+108.8%
$16.0B
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$1.95+20.4%
$1.62
Rev
$14.4B-12.4%
$16.4B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $2.20vs $2.18+0.9% | $19.1Bvs $18.6B+2.8% |
| Q1 2026 | Feb 25, 2026 | $1.85vs $1.80+2.8% | $17.7Bvs $17.0B+4.0% |
| Q4 2025 | Oct 28, 2025 | $1.80vs $1.65+9.1% | $33.5Bvs $16.0B+108.8% |
| Q3 2025 | Jul 30, 2025 | $1.95vs $1.62+20.4% | $14.4Bvs $16.4B-12.4% |
Based on last 12 quarters of dataView full earnings history →
HSBC Peer Comparison
HSBC Holdings plc (HSBC) competitors in European universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 C | 266.52B | 143.09 | 20.47 | -1.41% | 8.48% | 6.67% | 3.35 | |
 JPM | 908.57B | 325.22 | 16.22 | 3.31% | 20.35% | 15.95% | 2.60 | |
 BAC | 424.14B | 56.20 | 14.71 | -0.45% | 15.93% | 10.15% | 1.21 | |
 BCS | 90.29B | 26.31 | 12.07 | -52.96% | 25.26% | 9.19% | 2.81 | |
 DB | 67.48B | 35.27 | 9.92 | -8.25% | 12.79% | 8.7% | 3.18 | |
 UBS | 157.65B | 50.80 | 27.17 | -20.43% | 10.48% | 7% | 3.94 | |
 GS | 348.27B | 1096.56 | 21.37 | -1.38% | 13.73% | 13.58% | 4.88 | |
 MS | 355.51B | 223.17 | 21.88 | 11.48% | 14.66% | 15.3% | 4.22 |
Compare HSBC vs Peers
HSBC Holdings plc (HSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HSBC Income Statement
HSBC Holdings plc (HSBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 28.18B | 30.49B | 30.46B | 27.58B | 26.49B | 30.38B | 35.8B | 32.73B | 34.88B |
NII Growth % | -5.49% | 8.21% | -0.09% | -9.47% | -3.95% | 14.68% | 17.84% | -8.56% | 6.54% |
Net Interest Margin % | 1.12% | 1.19% | 1.12% | 0.92% | 0.9% | 1.02% | 1.18% | 1.08% | 1.08% |
Interest Income | 40.99B | 49.61B | 54.7B | 41.76B | 36.19B | 52.83B | 100.87B | 108.63B | 98.1B |
Interest Expense | 12.82B | 19.12B | 24.23B | 14.18B | 9.7B | 22.45B | 65.07B | 75.9B | 63.23B |
Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.86B |
Non-Interest Income | 35.5B | 33.14B | 39.94B | 35.7B | 37.76B | 23.34B | 28.64B | 34.66B | 49.76B |
Non-Interest Income % | 46.41% | 40.05% | 42.2% | 46.09% | 51.06% | 30.65% | 22.12% | 24.19% | 33.65% |
Total Revenue | 76.49B▲ 0% | 82.75B▲ 8.2% | 94.64B▲ 14.4% | 77.46B▼ 18.2% | 73.95B▼ 4.5% | 76.17B▲ 3.0% | 129.51B▲ 70.0% | 143.29B▲ 10.6% | 147.86B▲ 3.2% |
Revenue Growth % | 2.57% | 8.18% | 14.37% | -18.15% | -4.53% | 3% | 70.03% | 10.64% | 3.19% |
Non-Interest Expense | 46.51B | 43.74B | 57.06B | 54.5B | 45.34B | 36.66B | 34.09B | 35.09B | 50.8B |
Efficiency Ratio | 60.8% | 52.86% | 60.29% | 70.36% | 61.32% | 48.13% | 26.32% | 24.49% | 34.36% |
Operating Income | 17.17B▲ 0% | 19.89B▲ 15.9% | 13.35B▼ 32.9% | 8.78B▼ 34.2% | 18.91B▲ 115.4% | 17.06B▼ 9.8% | 30.35B▲ 77.9% | 32.31B▲ 6.5% | 29.98B▼ 7.2% |
Operating Margin % | 22.44% | 24.04% | 14.1% | 11.33% | 25.57% | 22.4% | 23.43% | 22.55% | 20.27% |
Operating Income Growth % | 141.38% | 15.86% | -32.9% | -34.24% | 115.4% | -9.77% | 77.91% | 6.46% | -7.22% |
Pretax Income | 17.17B▲ 0% | 19.89B▲ 15.9% | 13.35B▼ 32.9% | 8.78B▼ 34.2% | 18.91B▲ 115.4% | 17.06B▼ 9.8% | 30.35B▲ 77.9% | 32.31B▲ 6.5% | 27.06B▼ 16.2% |
Pretax Margin % | 22.44% | 24.04% | 14.1% | 11.33% | 25.57% | 22.4% | 23.43% | 22.55% | 18.3% |
Income Tax | 5.29B | 4.87B | 4.64B | 2.68B | 4.21B | 809M | 5.79B | 7.31B | 6.79B |
Effective Tax Rate % | 30.8% | 24.46% | 34.76% | 30.51% | 22.28% | 4.74% | 19.08% | 22.63% | 25.1% |
Net Income | 10.8B▲ 0% | 13.73B▲ 27.1% | 7.38B▼ 46.2% | 5.23B▼ 29.2% | 13.92B▲ 166.2% | 15.56B▲ 11.8% | 23.53B▲ 51.3% | 23.98B▲ 1.9% | 22.34B▼ 6.8% |
Net Margin % | 14.12% | 16.59% | 7.8% | 6.75% | 18.82% | 20.43% | 18.17% | 16.73% | 15.11% |
Net Income Growth % | 335.58% | 27.13% | -46.22% | -29.18% | 166.15% | 11.8% | 51.25% | 1.9% | -6.85% |
Net Income (Continuing) | 11.88B | 15.03B | 8.71B | 6.1B | 14.69B | 16.25B | 24.56B | 25B | 20.27B |
EPS (Diluted) | 2.40▲ 0% | 3.15▲ 31.3% | 1.50▼ 52.4% | 0.95▼ 36.7% | 3.10▲ 226.3% | 3.60▲ 16.1% | 5.70▲ 58.3% | 6.20▲ 8.8% | 6.05▼ 2.4% |
EPS Growth % | 585.71% | 31.25% | -52.38% | -36.67% | 226.32% | 16.13% | 58.33% | 8.77% | -2.42% |
EPS (Basic) | 2.40 | 3.15 | 1.50 | 0.95 | 3.10 | 3.60 | 5.75 | 6.25 | 6.05 |
Diluted Shares Outstanding | 4.01B | 4B | 4.05B | 4.05B | 4.06B | 4B | 3.92B | 3.7B | 3.51B |
HSBC Balance Sheet
HSBC Holdings plc (HSBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 200.38B | 182.38B | 173.88B | 328.73B | 422.44B | 350.05B | 299.57B | 284.51B | 653.08B |
Cash & Due from Banks | 187.25B | 168.63B | 173.88B | 328.73B | 422.44B | 350.05B | 299.57B | 284.51B | 286.92B |
Short Term Investments | 13.13B | -31.74B | 0 | 0 | 0 | 0 | 0 | 0 | 366.15B |
Total Investments | 983.28B | 921.03B | 1.01T | 1.11T | 983.51B | 1.02T | 1.1T | 1.23T | 2.43T |
Investments Growth % | -5.34% | -6.33% | 10.19% | 9.63% | -11.6% | 3.2% | 8.45% | 11.39% | 98.22% |
Long-Term Investments | 983.28B | 952.76B | 1.01T | 1.11T | 983.51B | 1.02T | 1.1T | 1.23T | 2.06T |
Accounts Receivables | 9.75B | 9.62B | 10.2B | 10.28B | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 23.45B | 24.36B | 20.16B | 20.44B | 20.62B | 11.42B | 12.49B | 12.38B | 13.11B |
Goodwill | 13.59B | 12.99B | 5.59B | 5.88B | 5.03B | 4.16B | 4.32B | 4.12B | 4.42B |
Intangible Assets | 9.87B | 11.37B | 14.57B | 14.56B | 15.59B | 7.26B | 8.16B | 8.27B | 8.69B |
PP&E (Net) | 10.03B | 10.06B | 14.7B | 14.41B | 10.26B | 12.58B | 12.93B | 11.61B | 0 |
Other Assets | -1.02T | -955.44B | 0 | -4.48B | -1.64B | 1.54B | 2.7T | 1.46T | 495.17B |
Total Current Assets | 267.57B | 200.72B | 193.14B | 339B | 422.44B | 350.05B | 319.76B | 298.3B | 653.08B |
Total Non-Current Assets | 1.02T | 955.44B | 1.05T | 1.15T | 1.02T | 1.05T | 3.83T | 2.72T | 2.58T |
Total Assets | 2.52T▲ 0% | 2.56T▲ 1.4% | 2.72T▲ 6.1% | 2.98T▲ 9.9% | 2.96T▼ 0.9% | 2.97T▲ 0.3% | 3.04T▲ 2.4% | 3.02T▼ 0.7% | 3.23T▲ 7.2% |
Asset Growth % | 6.18% | 1.44% | 6.14% | 9.91% | -0.88% | 0.29% | 2.43% | -0.71% | 7.16% |
Return on Assets (ROA) | 0.44% | 0.54% | 0.28% | 0.18% | 0.47% | 0.53% | 0.78% | 0.79% | 0.71% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 84.37B | 107.78B | 129.16B | 378.87B | 395.44B | 204.24B | 426.69B | 242.35B | 495.79B |
Net Debt | -102.88B | -60.85B | -29.9B | 50.15B | -198.79B | -145.81B | -64.41B | -42.17B | 208.86B |
Long-Term Debt | 84.37B | 107.78B | 129.16B | 171.14B | 225.71B | 204.24B | 235.16B | 242.35B | 246.75B |
Short-Term Debt | 0 | 0 | 0 | 264.65B | 267.47B | 0 | 310.13B | 0 | 249.04B |
Other Liabilities | -84.37B | -107.78B | 0 | 2.61T | 2.53T | 2.61T | 0 | 763.72B | 2.55T |
Total Current Liabilities | 99.93B | 11.3B | 11.81B | 10.41B | 10.47B | 12.35B | 1.78T | 1.82T | 249.04B |
Total Non-Current Liabilities | 2.32T | 2.36T | 2.52T | 2.78T | 2.76T | 2.77T | 235.16B | 1.01T | 2.8T |
Total Liabilities | 2.32T | 2.36T | 2.52T | 2.78T | 2.75T | 2.77T | 2.85T | 2.82T | 3.05T |
Total Equity | 197.87B▲ 0% | 194.25B▼ 1.8% | 192.67B▼ 0.8% | 205B▲ 6.4% | 206.78B▲ 0.9% | 185.2B▼ 10.4% | 192.61B▲ 4.0% | 192.27B▼ 0.2% | 184.95B▼ 3.8% |
Equity Growth % | 8.38% | -1.83% | -0.81% | 6.4% | 0.87% | -10.44% | 4% | -0.18% | -3.81% |
Equity / Assets (Capital Ratio) | 7.85% | 7.59% | 7.1% | 6.87% | 6.99% | 6.24% | 6.34% | 6.37% | 5.72% |
Return on Equity (ROE) | 5.68% | 7% | 3.82% | 2.63% | 6.76% | 7.94% | 12.46% | 12.46% | 11.84% |
Book Value per Share | 49.29 | 48.60 | 47.61 | 50.64 | 50.93 | 46.33 | 49.14 | 52.01 | 52.70 |
Tangible BV per Share | 43.45 | 42.51 | 42.63 | 45.59 | 45.85 | 43.47 | 45.95 | 48.66 | 48.97 |
Common Stock | 10.16B | 10.18B | 10.32B | 10.35B | 10.32B | 10.15B | 9.63B | 8.97B | 8.59B |
Additional Paid-in Capital | 10.18B | 13.61B | 13.96B | 14.28B | 14.6B | 14.66B | 14.74B | 14.81B | 111M |
Retained Earnings | 140B | 138.19B | 136.68B | 140.57B | 144.46B | 142.41B | 152.15B | 152.4B | 169.6B |
Accumulated OCI | 28.89B | 24.27B | 23B | 31.25B | 28.86B | 10.61B | 8.81B | 8.79B | -795M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
HSBC Cash Flow Statement
HSBC Holdings plc (HSBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -10.48B | 6.47B | 29.74B | 182.22B | 104.31B | 26.43B | 39.11B | 65.31B | 29.77B |
Operating CF Growth % | -115.19% | 161.74% | 359.78% | 512.65% | -42.75% | -74.66% | 47.96% | 66.97% | -54.42% |
Net Income | 17.17B | 19.89B | 13.35B | 8.78B | 18.91B | 17.53B | 23.53B | 32.31B | 29.91B |
Depreciation & Amortization | 1.86B | 1.93B | 10.52B | 5.24B | 4.29B | 3.87B | 3.47B | 4.08B | 4.92B |
Deferred Taxes | -24.5B | 6.02B | -4.16B | -21.62B | 13.01B | 0 | 0 | 0 | 0 |
Other Non-Cash Items | -381M | -1.3B | -2.3B | -906M | 510M | 50.49B | -7.81B | 18.67B | -36.47B |
Working Capital Changes | -5.13B | -20.52B | 11.85B | 190.29B | 67.13B | -45.85B | 19.44B | 9.71B | 30.79B |
Cash from Investing | 65.56B | -16.34B | -35.32B | -22.43B | 27.54B | -34.48B | -62.91B | -76.56B | -37.07B |
Purchase of Investments | -357.26B | -383.45B | -445.91B | -496.67B | -493.04B | -520.6B | -563.56B | -523.45B | -502.39B |
Sale/Maturity of Investments | 418.35B | 370.36B | 413.19B | 476.99B | 521.19B | 495.05B | 504.17B | 453.5B | 470.31B |
Net Investment Activity | 61.09B | -13.1B | -32.72B | -19.68B | 28.15B | -25.55B | -59.39B | -69.95B | -32.08B |
Acquisitions | 165M | 4M | -83M | -603M | -106M | -989M | -453M | -2.73B | -325M |
Other Investing | 6.76B | -204M | 1.12B | 1.36B | 3.06B | -3.53B | 623M | 0 | 0 |
Cash from Financing | -10.45B | -16.78B | -14.84B | -4.64B | -10.79B | -6.29B | -17.56B | -26.46B | -21.96B |
Dividends Paid | -9.01B | -10.76B | -9.77B | -2.02B | -6.38B | -6.97B | -12.2B | -17.1B | -11.58B |
Share Repurchases | -3.07B | -2B | -1B | -181M | -2.09B | -2.38B | -6.43B | -11.89B | -12.66B |
Stock Issued | 5.2B | 6.13B | 141M | 1.5B | 2B | 0 | 2B | 3.6B | 4.1B |
Net Stock Activity | 2.13B | 4.14B | -859M | 1.32B | -97M | -2.38B | -4.43B | -8.29B | -8.57B |
Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K |
Other Financing | 102.46B | -6.46B | 0 | 0 | 0 | -197M | -19M | 0 | 395M |
Net Change in Cash | 62.86B▲ 0% | -36.33B▼ 157.8% | -19.17B▲ 47.2% | 174.58B▲ 1010.7% | 105.71B▼ 39.4% | -52.36B▼ 149.5% | -30.74B▲ 41.3% | -55.99B▼ 82.2% | -2.05B▲ 96.3% |
Exchange Rate Effect | 18.23B | -9.68B | 1.25B | 19.43B | -15.35B | -38.03B | 10.62B | -18.27B | 27.21B |
Cash at Beginning | 274.55B | 337.41B | 312.91B | 293.74B | 468.32B | 574.03B | 521.67B | 490.93B | 434.94B |
Cash at End | 337.41B | 301.08B | 293.74B | 468.32B | 574.03B | 521.67B | 490.93B | 434.94B | 432.89B |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Free Cash Flow | -12.93B▲ 0% | 3.42B▲ 126.5% | 26.11B▲ 662.4% | 178.71B▲ 584.4% | 100.75B▼ 43.6% | 22.02B▼ 78.1% | 35.42B▲ 60.8% | 61.42B▲ 73.4% | 25.11B▼ 59.1% |
FCF Growth % | -119.33% | 126.49% | 662.37% | 584.42% | -43.63% | -78.14% | 60.81% | 73.42% | -59.13% |
HSBC Banking Ratios
HSBC Holdings plc (HSBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 1.3% | 5.68% | 7% | 3.82% | 2.63% | 6.76% | 7.94% | 12.46% | 12.46% | 11.84% |
Return on Assets (ROA) | 0.1% | 0.44% | 0.54% | 0.28% | 0.18% | 0.47% | 0.53% | 0.78% | 0.79% | 0.71% |
Net Interest Margin | 1.26% | 1.12% | 1.19% | 1.12% | 0.92% | 0.9% | 1.02% | 1.18% | 1.08% | 1.08% |
Efficiency Ratio | 73.57% | 60.8% | 52.86% | 60.29% | 70.36% | 61.32% | 48.13% | 26.32% | 24.49% | 34.36% |
Equity / Assets | 7.69% | 7.85% | 7.59% | 7.1% | 6.87% | 6.99% | 6.24% | 6.34% | 6.37% | 5.72% |
Book Value / Share | 46 | 49.29 | 48.6 | 47.61 | 50.64 | 50.93 | 46.33 | 49.14 | 52.01 | 52.7 |
NII Growth | -13.1% | -5.49% | 8.21% | -0.09% | -9.47% | -3.95% | 14.68% | 17.84% | -8.56% | 6.54% |
Dividend Payout | 369.38% | 83.4% | 78.4% | 132.37% | 38.69% | 45.86% | 44.8% | 51.83% | 71.31% | 51.85% |
Related:HSBC Dividend History·HSBC Revenue History·HSBC Price History·HSBC P/E History·HSBC Financial Ratios·HSBC Institutional Holders
HSBC Frequently Asked Questions
HSBC Holdings plc (HSBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
HSBC Holdings plc (HSBC) grew revenue by 3.2% over the past year. Growth has been modest.
Yes, HSBC Holdings plc (HSBC) is profitable, generating $22.29B in net income for fiscal year 2025 (15.1% net margin).
Dividend & Returns
Yes, HSBC Holdings plc (HSBC) pays a dividend with a yield of 3.47%. This makes it attractive for income-focused investors.
HSBC Holdings plc (HSBC) has a return on equity (ROE) of 11.8%. This is reasonable for most industries.
Industry Metrics
HSBC Holdings plc (HSBC) has a net interest margin (NIM) of 1.1%. NIM has been under pressure due to interest rate environment.
HSBC Holdings plc (HSBC) has an efficiency ratio of 34.4%. This is excellent, indicating strong cost control.