Investor Presentaiton
Balance sheet
2Q23 funding mix
$1.6tn
Deposits (1023: $1.6tn)
60%
Loan to deposit ratio
(1Q23: 60%)
FY22 deposit mix, $bn
1,339
Strong liquidity base
132%
Group liquidity coverage ratio (1Q23: 132%)
Other
6%
Cash
$0.8tn
41%
HQLA*
in entities
Central and 53%
local
government
bonds
263
55
Demand
Savings
Time
Strategy
2023 results
Appendix
Debt instruments measured at amortised cost, $bn
255.7
+8%
276.7
Cumulative financial assets at
FVOCI reserve of $(6.5)bn vs.
$(7.0)bn at FY22
Group HQLA equivalent to 50% of
customer deposits
Cash and cash equivalents make up over
40% of our HQLA*
4022
2Q23
Financial investments measured at amortised cost
As part of our interest rate hedging strategy, we hold a portfolio of
debt instruments measured at amortised cost classified as hold-to-
collect. These exclude insurance assets
At 30 June 2023, there was a cumulative unrealised loss of $2.8bn
related to this portfolio, excluding insurance assets. During 1H23
there was a $0.9bn deterioration in the unrealised loss balance
FY22 average
*HQLA is the period end value before the application of the Group adjustment for restrictions on the transfer of entity liquidity around the Group
1H23 HQLA shown on this slide differs from the HSBC Holdings plc Interim Report 2023 of $631bn, which is a 12 month average after the impact of the above restrictions
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