HSBC Results Presentation Deck

Net interest income and margin Reported NIM progression, bps Discrete quarterly reported NIM Reported NII, $m Reported NIM trend of which: significant items 119 Average interest earning assets, $bn 3Q21 122bps 6,619 - 1| 4020 2,159 2 Asset yields 121bps 6,514 18 1Q21 2,179 (2) Asset mix 120bps 6,584 2Q21 2,199 119 4021 119bps 6,610 3Q21 2,208 Obp 119bps 6,781 -7 4Q21 2,251 Strategy 4021 results Appendix 4021 reported NII of $6.8bn, up $0.2bn (3%) vs. 3021; mainly driven by higher yields on customer loans as well as growth in AIEAS ◆ 4021 NIM of 1.19% was unchanged from 3Q21 as the impact from higher asset yields was offset by adverse changes in asset mix ◆ Significantly improved interest rate outlook 13

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