HSBC Investor Day Presentation Deck

Intro 2 3 CMB Well-diversified, high quality loan portfolio 1 ◆ Low risk retail secured portfolio, with delinquencies below peers and pre-pandemic levels ◆ Wholesale portfolio performing well WPB HSBC UK's ambitions of safe and sustainable growth are supported by its robust risk management framework and prudent approach to lending Well prepared for potential economic downturns Deep risk team expertise developed in previous financial crises Stable portfolio currently showing no signs of stress Proactive horizon scanning and risk management approach Significant headroom in our risk appetite to support our growth ambitions Spare capacity across our credit risk appetite metrics ◆ Utilisation remains below our Board approved limits ◆ Robust and effective governance in place COO Risk Finance 53

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