HSBC Investor Day Presentation Deck

Mortgage portfolio Gross UK mortgage balances, £bn Market share¹ 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Mortgages: Continued growth realisation and potential in buy-to-let market Mortgage pricing 1. 2. 94.7 Jan-21 2018 6.7% 2 year SONIA swap 5 year SONIA swap 101.5 2019 7.0% - Apr-21 Jul-21 +25% Oct-21 110.7 2020 7.4% Market share of stock balances. Market source: Bank of England Direct channel market source: Bank of England 118.1 2 year customer rate - 70% LTV 5 year customer rate - 70% LTV 2021 7.5% Sources: Bloomberg; internal data Jan-22 Apr-22 Jul-22 Offered customer mortgage rates are substantially all pre-funded Intro 3. Intermediary market source: UK Finance 4. Buy-to-let market source: UK Finance CMB FY21 portfolio summary Average LTV of total portfolio Average LTV of new originations WPB % of book in Greater London COO Risk Mortgages on Standard Variable Rate Interest-only mortgages (incl. first direct offset mortgages) Finance 51% 67% 26% £2.9bn £18.6bn Buy-to-let (BTL) mortgages Strong mortgage growth, reaching £118.1bn in 2021 with market share gains Direct channel market share of 20%² and intermediary market share of 6.3%, up 2.7ppts vs. FY18³ £3.0bn Proposition development HSBC now has over 800 intermediary partners; and extended its range of BTL mortgages to the intermediary channel in 2021 Digitising to make it easier to remortgage, reducing application time and improving customer experience 2022 proposition enhancements: cashback offering; green / sustainable mortgage proposition; planned expansion of BTL, aiming to grow gross lending share from c.3% to c.5%4 by end 2022 34

View entire presentation