Net interest income	6 Months Ended
Jun. 30, 2025
Disclosure Net Interest Income [Line Items]
Net interest income	Note 3 Net interest income Net interest income For the quarter ended Year-to-date USD m 30.6.25 31.3.25 30.6.24 30.6.25 30.6.24 Interest income from loans and deposits 1 6,240 6,105 8,403 12,345 17,492 Interest income from securities financing transactions measured at amortized cost 2 915 839 1,136 1,754 2,354 Interest income from other financial instruments measured at amortized cost 406 360 328 766 675 Interest income from debt instruments measured at fair value through other comprehensive income 44 27 26 71 54 Interest income from derivative instruments designated as cash flow hedges (322) (351) (574) (672) (1,175) Total interest income from financial instruments measured at amortized cost and fair value through other comprehensive income 7,283 6,981 9,320 14,264 19,399 Interest expense on loans and deposits 3 3,582 3,698 5,074 7,280 10,513 Interest expense on securities financing transactions measured at amortized cost 4 552 415 541 967 1,035 Interest expense on debt issued 2,639 2,794 3,655 5,433 7,395 Interest expense on lease liabilities 43 41 49 85 99 Total interest expense from financial instruments measured at amortized cost 6,817 6,948 9,319 13,765 19,042 Total net interest income from financial instruments measured at amortized cost and fair value through other comprehensive income 466 33 2 498 357 Net interest income from financial instruments measured at fair value through profit or loss and other 1,500 1,597 1,533 3,096 3,118 Total net interest income 1,965 1,629 1,535 3,595 3,475 1 Consists of interest income from cash and balances at central banks, amounts due from banks, and cash collateral receivables on derivative instruments, as well as negative interest on amounts due to banks, customer deposits, and cash collateral payables on derivative instruments. 2 Includes interest income on receivables from securities financing transactions and negative interest, including fees, on payables from securities financing transactions. 3 Consists of interest expense on amounts due to banks, cash collateral payables on derivative instruments, and customer deposits, as well as negative interest on cash and balances at central banks, amounts due from banks, and cash collateral receivables on derivative instruments. 4 Includes interest expense on payables from securities financing transactions and negative interest, including fees, on receivables from securities financing transactions.

Net interest income

For the quarter ended

Year-to-date

USD m

30.6.25

31.3.25

30.6.24

30.6.25

30.6.24

Interest income from loans and deposits

6,240

6,105

8,403

12,345

17,492

Interest income from securities financing transactions measured

at amortized cost

915

839

1,136

1,754

2,354

Interest income from other financial instruments measured

at amortized cost

406

360

328

766

675

Interest income from debt instruments measured at fair

value through other comprehensive income

Interest income from derivative instruments designated as cash

flow hedges

(322)

(351)

(574)

(672)

(1,175)

Total interest income from financial instruments measured at amortized cost and fair

value through other comprehensive income

7,283

6,981

9,320

14,264

19,399

Interest expense on loans and deposits

3,582

3,698

5,074

7,280

10,513

Interest expense on securities financing transactions measured

at amortized cost

552

415

541

967

1,035

Interest expense on debt issued

2,639

2,794

3,655

5,433

7,395

Interest expense on lease liabilities

Total interest expense from financial instruments measured at amortized cost

6,817

6,948

9,319

13,765

19,042

Total net interest income from financial instruments measured at amortized cost and fair

value through other comprehensive

income

466

498

357

Net interest income from financial instruments measured at fair value through profit

or loss and other

1,500

1,597

1,533

3,096

3,118

Total net interest income

1,965

1,629

1,535

3,595

3,475

1 Consists of interest income from

cash and balances at central banks, amounts due

from banks, and cash collateral receivables

on derivative instruments, as well as negative interest on

amounts due to banks, customer

deposits, and cash

collateral payables

on derivative

instruments.

2 Includes interest

income on receivables

from securities financing

transactions and

negative interest, including

fees, on

payables from

securities

financing transactions.

3 Consists of interest expense on amounts due to banks, cash collateral payables on derivative instruments, and customer deposits, as well as negative interest on cash and balances at central

banks, amounts due

from banks,

and cash collateral

receivables on derivative

instruments.

4 Includes interest

expense on payables

from securities financing

transactions and negative

interest, including fees,

receivables from securities financing transactions.