Investor Presentaiton

HSBC France HSBC France - A key priority market for the Group France France is the 5th largest global economy based on GDP14 and a key member of the eurozone. It also is the 5th largest trade nation 15 and it has a wealthy population, ranking 3rd in wealth per adult among large countries 16. HSBC in France Our Global Businesses ■ HSBC France is one of HSBC Group's scale markets with the 4th largest balance sheet by assets RBWM Retail Banking and Wealth Management: Personal Financial Services, Asset Management and Insurance activities " Gross customer loans of €45bn ($54bn) as at 30 June 2018, representing 6% of the Group Commercial Banking: ☐ Benefits from an international network CMB Banking products and services for businesses " Positioned as the largest foreign bank in the French market, by assets Acting as the HSBC Group's Global Markets centre of excellence in euro rate products Global Banking and Markets: GB&M Banking and market support for large corporates, institutional investors and governments Well-positioned in the context of Brexit. HSBC France acquired operations and subsidiaries in Greece, Poland and Ireland and will acquire operations in seven other EEA countries from HSBC Bank plc early 2019. Global Private Banking: GPB Services to High Net Worth customers Strategy ■ HSBC seeks to partner with French corporates in respect of their international development and retail clients for their wealth management needs HSBC France positions itself for future growth through a number of strategic investments: - Grow Global Markets revenues by intensifying client coverage in Europe, extending the scope of traded rates products, and leveraging technology and e-platforms to enhance sales Grow its share of wallet on Corporates by leveraging specialised product teams and increase international business by focusing on key corridors (US, UK, China, Germany) - Implement an omni-channel model and improve customer experience in retail banking 15

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