Investor Presentaiton

Opening up a world of opportunity Our Strategy Asia Wealth Digital Business Services Financials Greater China, Southeast Asia, and India will be key drivers of our future growth Hong Kong Defend and grow from our #1 position $16.4bn adjusted revenue Mainland China $3.1bn $1.8bn adjusted associate Develop mainland China into a revenue42 income more meaningful market ◆ Solidify #1 in Wealth position Grow from our current #2 Insurance position (current share of c.19%) ◆ Further develop our retail digital banking, starting from a strong position with 1 out of 2 Hong Kong adults already digital banking customers41 ♦ Enhance Digital Banking for SMEs and expand customer base in Greater Bay Area ◆ Grow Global Transaction Banking wallet share ◆ Grow Capital Markets and Investment Banking Drive SME and retail customer acquisition by serving cross-border needs across Greater Bay Area (population: 72.7m, GDP $1.7tn43) ◆ Scale digital hybrid mobile wealth planning for affluent customers by hiring 3K wealth managers ◆ Deepen CMB and GBM coverage in key sectors with focus on key China trade corridors ◆ Leadership in Capital Financing and Securities Investment services India $3.0bn Singapore adjusted revenue42 $1.3bn adjusted revenue Grow Wealth and International Wholesale Grow market share in Transaction Banking including trade and FX, driven by Digital (e.g. UTB, Omni-collect) and new supply chain solutions ♦ In Wealth, expand Insurance and Asset Management and build position as #1 foreign bank for Non-Resident Indian ("NRI") and top 10 Insurance player; digitise the client journey including cross-border ◆ For Overseas Indian customers, grow NRI hubs, enabled by digital and remittance proposition, addressing significant NRI footprint across HSBC Build out as a global Wealth hub and Wholesale gateway to ASEAN Further develop as international wealth hub for HSBC to address growing offshore asset pool (estimated $1.48tn by 202344) ◆ Scale client coverage teams in key growth sectors for the >4,200 multinational regional headquarters 45 Enhance regional product and coverage expertise to ASEAN markets and South Asia Note: numbers as at FY20 29

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