HSBC Investor Day Presentation Deck

FY21 financial performance £m Net interest income Non interest income Revenue ECL Costs Adjusted PBT Significant items Reported PBT £bn Customer loans Customer deposits RWAS FY21 2,774 595 3,369 439 (2,219) 1,589 (97) 1,492 FY21 131.7 178.7 24.7 FY20 2,703 573 3,276 (843) (2,328) 105 (30) 75 FY20 124.0 160.2 25.1 A 3% 4% 3% >100% 5% >100% ▲ >(100)% >100% ΔΙ 6% 12% 1% Intro CMB WPB COO Risk Finance WPB UK is 54% of HSBC UK's revenue and 67% of customer loans FY21 adjusted PBT of £1.6bn supported by a £0.4bn ECL release from the improving economic outlook; good revenue growth of 3% and costs down 5% from active cost management FY21 customer lending up 6% (£7.7bn) vs. FY20, primarily due to strong mortgage performance; deposits up 12% (£18.5bn) vs. FY20 as customers spent less and saved more due to government restrictions 79% of revenue from the HSBC retail franchise, 11% from first direct, 5% from M&S Bank, and 4% from the Private Bank Balance sheet is strong going into 2022 and facing into the challenges from inflation and the macro environment 33

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