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Glossary Strategy 2023 results Appendix AIEA AM ANP Banking NII BoCom Bps CET1 Corporate Centre Average interest earning assets Asset management Annualised new business premiums Banking net interest income is defined as Group net interest income after deducting: (1) the internal cost to fund trading and fair value net assets for which associated revenue is reported in 'Net income from financial instruments held for trading or managed on a fair value basis', also referred to as 'trading and fair value income'. These funding costs reflect proxy overnight or term interest rates as applied by internal funds transfer pricing; (2) the funding cost of foreign exchange swaps in Markets Treasury, where an offsetting income or loss is recorded in trading and fair value income. These instruments are used to manage foreign currency deployment and funding in our entities; (3) third-party net interest income in our insurance business Bank of Communications Co. Limited, an associate of HSBC Basis points. One basis point is equal to one-hundredth of a percentage point Common Equity Tier 1 HFS HKSAR HOLA IFRS IFRS 4 Held-for-sale Hong Kong Special Administrative Region High-quality liquid assets International Financial Reporting Standard IFRS 4 'Insurance Contracts' IFRS 17 LTV IFRS 17 'Insurance Contracts' Loan to value MSS NAV Markets and Securities Services Net asset value NBFI NBP Non-bank financial institution New business premium NCI Non-controlling interests (CC) Corporate Centre comprises Central Treasury, our legacy businesses, interests in our associates and joint ventures and central stewardship costs NII Net interest income CMB Commercial Banking, a global business NIM Net interest margin CSM CRE Contractual Service Margin, a component of the carrying amount of a group of insurance contract assets or liabilities which represents the unearned profit which the Group will recognise as it provides insurance contract services under the insurance contracts in the Group Commercial Real Estate NNIA Net new invested assets PAOS PBT Profit attributable to ordinary shareholders Profit before tax DPS ECL EPS FVOCI GBM GPS Group GSSS GTRF Dividend per share Expected credit losses. In the income statement, ECL is recorded as a change in expected credit losses and other credit impairment charges. In the balance sheet, ECL is recorded as an allowance for financial instruments to which only the impairment requirements in IFRS 9 are applied Earnings per share Fair value through other comprehensive income Global Banking and Markets, a global business Global Payments Solutions (formerly GLCM: Global Liquidity and Cash Management) HSBC Holdings plc and its subsidiary undertakings Green, social, sustainability and sustainability-linked Global Trade and Receivables Finance POCI Ppt PRP SAB SVB UK ROTE RWA TNAV UK RFB / RFB WPB XVAS Purchased originated credit impaired Percentage points Performance related pay Saudi Awwal Bank, an associate of HSBC Silicon Valley Bank UK Return on average tangible equity Risk-weighted asset Tangible net asset value HSBC UK, the UK ring-fenced bank, established July 2018 as part of ring fenced bank legislation Wealth and Personal Banking, a global business Credit and Funding Valuation Adjustments 445

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