Investor Presentaiton

Appendix Hong Kong and UK WPB customer activity data Mortgage drawdowns** 250 Strategy Results 200 150 100 50 سا 0 0 Mar Jun Sep Dec Mar Jun Sep Dec We continue to support home buyers and have seen a pickup in 4Q20; the UK RFB increased its gross mortgage market share to 10.3% over FY20, up from 8.1% in FY1979 ◆ Credit card spending has recovered partially, however it remains below 2019 levels. Hong Kong down 3% YoY, with the UK down 17% YoY Hong Kong card spend in Jan-21 up by 6% vs. prior year and up 20% vs. Dec-20; a 10 year record driven by successful marketing campaigns delivered on Mobile X ◆ Continued digital adoption with UK digital sales increasing by 5% to 75% since start of social distancing. Hong Kong digital sales mix marginally increased by 1% to 28% Hong Kong* Credit card spend** 150 100 50 UK Credit card spend** 200 150 100 50 60 *Excludes Hang Seng **Rebased to 100 0 Mar I 2019 2020 Start of social distancing Mortgage drawdowns** 250 200 150 100 50 0 Jun Sep Dec Mar Jun Sep Dec 66

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