HSBC Amanah SDG Bond Framework

Overview of HSBC Amanah Key Credit Highlights Financial Highlights 2% CAGR Income (MYR'mil)1 469 487 514 479 472 247 264 HSBC Group Sustainability HSBC SDG Bond Framework Profit Before Tax (MYR'mil) 188 182 153 102 106 97 62 52 T 2013 2014 2015 2016 20171H17 1H18 2013 2014 2015 2016 20171H17 1H18 ■Total Income ■Profit Before Tax Disciplined Cost Management (MYRʼmil/Ratio %) Returns and Shareholders' Funds (MYR'mil/Ratio %) 12% 11% 8% 9% 51% 49% 49% 49% 45% 46% 47% 5% 5% 1.08% 0.92% 0.68% 0.46% 0.51% 5% 3% CAGR 8% CAGR 1,452 1,521 1,616 0.50% 0.84% 1,616 1,726 237 243 1,319 233 239 213 1,177 121 124 T 2013 2014 2015 T T 2017 1H17 1H18 CIR 2 2016 Expenses 1. Total income is the sum of 'Income derived from investment of depositors' funds and others', 'Income derived from investment of shareholder's funds' and 'Income attributable to depositors'. 2. CIR Cost income ratio 3. ROTE - Return on tangible equity calculated as profit after tax divided by average tangible equity. Tangible equity is equal to total equity attributable to the owner of the Bank. T 2013 2014 2015 2016 2017 1H17 1H18 Shareholders' Funds ROTE 3 ROA 4 4. ROA Return on assets calculated as profit after tax divided by average total assets (two point average) Source: HSBC Amanah financial statements Note: 1H18 financial figures are yet to be audited 10

View entire presentation