Investor Presentaiton

Balance sheet - customer lending Balances by global business, $bn Balances by entity Total 1,038 1,026 1,020 Asia (HBAP) $465bn Growth since 1Q23 $(0)bn (0)% HFS 57 60 o/w: Hong Kong $289bn $(3)bn (1)% 1,038 969 960 UK RFB (HBUK) $267bn $1bn 0% GBM 200 184 176 HSBC Bank plc $112bn (HBEU) $(7)bn (6)% CMB 354 324 319 USA (HNAH) $53bn $(1)bn (2)% Mexico (HBMX) $25bn Strategy 2023 results Appendix $1bn 3% $0bn (0)% Customer lending of $960bn, down $9bn (1%) vs. 1023, including the impact of $4bn loans moved to held-for-sale (HFS) in Oman and the US WPB up $4bn (1%) due primarily to growth in Hong Kong and the UK CMB down $5bn (2%), primarily due to softer loan demand in Hong Kong and the UK as a result of rising interest rates, and the transfer of $2bn loans to HFS GBM down $8bn (4%), primarily due to softer loan demand in Europe as a result of higher interest rates Cautious outlook on loan growth in the short term; expect mid-single digit percentage annual loan growth in the medium to long term WPB 483 460 464 HSBC Middle $19bn East (HBME) CC- 1 0 0 $(2)bn Other21 $19bn $(3)bn 2022 1023 2023 (10)% $(9)bn o/w: Total $960bn $(3)bn (1)% Oman HFS 36

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