Investor Presentaiton

Strategy 2Q23 results Appendix We are making good progress in delivering our strategy, supported by a strong balance sheet and capital generation International connectivity Grow and protect our leading position in international connectivity, leveraging our deep liquidity pools in the UK and HK Capital deployment Reposition our portfolio by exiting unprofitable, sub-scale or less internationally connected portfolios and investing in growth areas Diversification of revenue Diversify revenue streams with a focus on growing Wealth, fee income streams and collaborating across our businesses Cost discipline Retain strong cost discipline in a high inflationary environment, creating capacity for growth Investment in digitisation Continue to invest in digitisation to improve customer journeys, automate processes and deliver innovation Transition to net zero Build on our position as an enabler of the net zero transition by supporting our customers' transition St 4

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