HSBC Results Presentation Deck

Loan and fee growth Customer lending by global business, $bn 462 +$27bn 4Q20 489 4Q21 WPB +$11bn I ↓ 338 349 4Q20 4Q21 CMB34 Includes the impact of $30bn of gross RWA saves 221 $(14)bn 4Q20 ↓ 207 4Q21 GBM WPB and CMB combined lending up $38bn (5%) YoY, offset by planned GBM reductions Strong lending growth in WPB, up $27bn (6%), mainly from mortgages (up $23bn) CMB up $11bn (3%) largely in Asia across trade and term lending GBM down $14bn (6%), mainly in Europe in part due to the impact of strategic actions to focus our business on international clients 2,949 Net fee income by global business, $m 827 810 1,322 (10) 4Q20 WPB 5% Strategy CMB 3,101 823 928 1,356 (6) 4Q21 4021 results GBM Appendix Group net fee income up 5% YOY, mainly in CMB WPB fees up 3% vs. 4020 primarily in Personal Banking CMB fee income increased 15% vs. 4020, across all products, particularly GLCM GBM fees stable vs. 4020 as higher fees in Banking were offset by lower fees in MSS. FY21 GBM fees up 9% vs. FY20 Corporate Centre 11

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