Investor Presentaiton

Group guidance summary Revised guidance NII ROTE Other Group guidance CET1 Lending Costs ECL Asia as a % of Group TE24 Dividends Strategy 2023 results Appendix Previous guidance FY23 NII ≥$34bn. NII guidance assumes the interest expense for centrally allocated funding costs associated with funding GBM's trading activities will be around the annualised 4Q22/1Q23 run-rate Targeting 12%+ from FY23 Revised guidance FY23 NII>$35bn and the revenue offset into non-NII from the central costs of funding GBM trading activities to be at least $7bn Targeting a RoOTE in the mid-teens for 2023 and 20245 Manage in 14-14.5% target range in the medium term; aim to manage range down further longer term Cautious outlook on loan growth in the short term; expect mid-single digit percentage annual loan growth in the medium to long term Targeting c.3% cost growth vs. FY23 on a target basis, full reconciliation on slide 261. The target does not include the acquisition of SVB UK and related international investments which are expected to add c.1% to Group operating expenses FY23 ECL charge of around 40bps 22; through-the-cycle planning range of 30-40bps c.50% medium to long term25 Dividend payout ratio of 50% for 2023 and 202426 21

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