Investor Presentaiton

Results 4020 results summary FY20 highlights FY20 & 4Q20 results (50)% 90% >100% > 100% >100% $0.30 Adjusted revenue down $2.0bn (14%) vs. 4019, primarily due to lower global interest rates, partly offset by higher revenue in Global Markets ECL up by $0.5bn (69%) vs. 4019, from higher stage 3 charges in CMB, and continued economic uncertainty in the UK Costs down $0.1bn (1%) vs. 4019, cost programme saves were offset by increased performance-related pay and increased technology spending Significant items of $0.8bn decreased by $7.5bn vs. 4019, due to the non-recurrence of a $7.3bn impairment of goodwill 4020 TNAV per share of $7.75 up $0.20 vs. 3Q20, due primarily to retained profits and FX movements $m NII Non interest income 4Q20 4019 Δ 6,620 7,751 (15)% 5,204 6,031 (14)% Revenue 11,824 13,782 (14)% ECL Costs (1,174) (696) (69)% (9,106) (9,176) Associates 666 546 1% 22% Adjusted PBT 2,210 4,456 Significant items and FX translation (825) (8,353) Reported PBT 1,385 (3,897) Reported profit after tax 935 (5,024) Profit attributable to ordinary shareholders 562 (5,509) Reported EPS, $ 0.03 (0.27) DPS, $ 0.15 n.m. $bn 4Q20 3Q20 A Customer loans 1,038 1,074 (3)% Customer deposits 1,643 1,615 2% Reported RWAS 858 857 0% CET1 ratio, % 15.9 15.6 0.3ppt TNAV per share, $ 7.75 7.55 $0.20 8

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