HSBC Results Presentation Deck

Commercial Banking 4021 financial highlights Revenue ECL Costs PBT 3,144 363 422 ROTE4⁹ Revenue performance, $m 1,461 898 4Q20 3,269 534 448 1,440 $3.4bn $(0.2)bn $(1.8)bn $1.4bn 847 1Q21 10.8% 8% 3,239 451 469 1,460 859 2021 Markets products, Insurance and Investments and Other GTRF 8% 4020: $3.1bn 75% 4020: $(0.9) bn (1)% 4020: $(1.8)bn GLCM >100% 4020: $0.5bn 9.5ppt (FY20: 1.3%) 3,331 450 495 1,501 2% 3,389 372 512 1,567 885 3Q21 Credit and Lending 938 4Q21 Balance sheet, $bn Customer lending - 3% 338 4Q20 464 345 Customer accounts 4020 3Q21 9% 488 3Q21 1% 4% 349 4Q21 507 4Q21 Strategy 4021 results Appendix 4Q21 vs. 4Q20 Revenue up $245m (8%), driven by higher fees across all products, growth in trade and deposit balances notably in Asia partially offset by the impact of lower rates ◆ Costs up $13m (1%), including a $47m impact of UK bank levy allocations beginning in 4021 ◆ Customer lending up $11bn (3%) largely in Asia across trade and term lending Customer accounts up $42bn (9%) as customers raised and retained liquidity, notably in Asia, the UK and the US 4021 vs. 3Q21 Revenue up $58m (2%), growth in interest income across all products, higher fees in GLCM partly offset by lower markets product revenue and seasonality in insurance revenue ◆ Customer lending up $4bn (1%) with continued growth in trade across all regions ($3bn) and growth in term lending notably in Asia Customer accounts up $19bn (4%) reflecting continued liquidity in the market, notably in Asia 38

View entire presentation