Investor Presentaiton

Strong Track Record of Delivering Shareholder Value Growth Earnings Cumulative VONB $31.4b since IPO EV Equity ($b) Cumulative OPAT $53.1b since IPO Shareholders' Allocated Equity ($b) 24.9 2.9x 71.2 2010 2022 17.6 2.5x 44.8 Capital & Dividends Cumulative Free Surplus Generation $60.8b since IPO AIP Share Buy-Back $3.6b in FY22 Total DPS (HK cents) 33.00 4.7x 153.68 2010 2022 2011 2022 Note: Cumulative free surplus generation includes $7.8b from HKRBC early adoption and release of additional resilience margins $10.0b Share Buy-Back Over 3 years 44

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