Investor Presentaiton

Results Non-NII Group, $m Net fees (1)% 2,989 3,017 (2)% 2,966 4019 3Q20 4Q20 WPB, $m Net fees (3)% — (6)% · 1,372 1,406 4019 WM 3Q20 RB CMB, $m Net fees FY20 highlights GBM, $m Net fees FY20 & 4Q20 results 1% 1% 1,327 0% T 1% 828 828 840 804 797 808 4Q20 Other 4019 GLCM 3Q20 GTRF 4Q20 C&L Other 4019 GB HSS 3Q20 GLCM 4Q20 GTRF Other 2,638 T (20)% ◆ Net fees: broadly stable vs. 4019 Other income ୮ 3,042 (26)% T (15)% 7 Net fees: seasonality and lower market activity and unsecured lending vs. 3Q20 Other income -(30)% ◆ Net fees: higher corporate card spend and payment volumes vs. 3020 Other income ◆ Net fees resilient despite fee compression and seasonality vs. 3Q20 Other income (5)% T (12)% 1,647 1,788 1,565 2,238 634 553 (26)% 444 (18)% T 7 174 157 129 4019 3Q20 4Q20 4019 3Q20 4Q20 4019 3Q20 4Q20 4019 3020 4Q20 Other income: down $0.8bn (26%) vs. 4019, mainly lower interest earned on securities in the trading book, and from lower XVAs ◆ Other income: lower insurance from reduced client activity vs. 4Q19 ◆ Other income: lower fair value gain ◆ Other income (incl. trading on shares income): down vs. 3020 due to lower client activity and seasonality 11

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