Investor Presentaiton

Balance sheet analysis Group customer accounts by type, $bn* Average balances Strategy 4022 results Appendix Group loans, deposits and RWAs by currency* 1,056 1,024 898 823 840 795 $1,570bn $925bn $840bn 15% 16% 25% -4% -5%] 7% 6% [6%] 20% 7% 24% 18% 27% 29% 17% 279 272 290 323 315 202 204 213 229 230 255 263 68 70 75 66 51 55 2017 2018 2019 2020 2021 2022 27% 27% 20% Customer Loans and RWAs+ accounts advances to customers USD GBP HKD EUR CNY Others Demand & other - non-interest bearing Savings Demand interest bearing Time and other Hong Kong system deposits by currency at 31 December 2022: 48% HKD; 38% USD; 13% Non-US foreign currencies. Source: HKMA * As reported in our SEC specific disclosures. Does not include held-for-sale balances Loans and advances and customer accounts do not include held-for-sale balances. RWAs represent the functional currency of the entity. #RWAS of $840bn includes credit risk, market risk and operational risk RWAs 50 60

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