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Investor Presentaiton

HSBC Group Capital Structure and Debt Issuance Total capital and estimated MREL requirements8 Regulatory capital and MREL-eligible HoldCo Senior versus regulatory requirements as a % of RWAs 6.1% 3.2% 23.2% 6.5% AT1 and Senior MREL increased in 1H18 due to planned issuance Tier 2 increased due to the change in regulatory capital recognition of selected capital securities HSBC group MREL requirement for 2022 is the greater of: 18% of RWAS 2.4% 2.9% 18% of RWAs 2.2% - 14.2% Capital structure as at 30 June 18; on an end- point basis MREL-eligible HoldCo Senior Combined buffer of 5.2% 1 6.75% of leverage exposures 11.7% Known end-point requirements 2022 The sum of requirements relating to each of its resolution groups We are currently evaluating HKMA proposals, and await final rules Based on current assumptions, HSBC Senior MREL issuance requirement 10 is estimated to fall in the range $60-80bn HSBC manages its capital and debt securities to meet end-point regulatory requirements, as well as funding and other business needs HSBC has a Multiple Point of Entry resolution strategy Tier 2 AT1 CET1 10
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